Podcasts about npl

In this episode of the NPFL Tori Podcast, the team discuss all the talking points from the just concluded season. There is argument on who Player of the Season is, if the season was a success and why are the NPL haunt ambushing brands interested in the NPFL.Listen to top analysis from great followers of the league with burning passion.Subscribe NOW:▶️ https://youtube.com/@npfltoripodcast?si=rt6PCdGdcW90bm74Follow us: X (Twitter) - https://x.com/npfltori?s=21

Welcome to The Late Late Show with Nick, Josh & Ivka!The trio hop on the mic after Victory's dramatic comeback and even more dramatic collapse against Avondale in stoppage time. Were the young Vucks hard done by against the league leaders?Hume City have sacked another head coach with a winning record, but still got the job done against Dandenong City with 10 men. We ponder why Ric Marchioli was shown the door, and what the future might hold at Broadmeadows.South Melbourne and Preston both drop precious points - which side is in better shape heading into The Big Show #2 at Lakeside?There's a look ahead to tonight's Dockerty Cup Round 7 triple-header. Who's going to the national stages?Plus, Josh & Ivka trade barbs over Heidelberg's "clock management", there's water polo at Somers St, and one member of the pod might end up immortalised in a mural at Mahoney's Reserve.The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

It was a busy week of football here in Queensland as the weather cleared up and the games rolled on. On the show this week we recap all the weekend NPL and FQPL action, plus the midweek catch-up games and Pro-Series Quarter Finals.

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   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  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  19:45   this is the real wealth network's Kathy Fettke, and you are listening to the always valuable get rich education with Keith Weinhold.    Keith Weinhold  20:00   You welcome back to get rich education. We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   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. 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  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

In this episode of The Healthy Pickleballer, I sit down with Scott Fliegelman — senior pro pickleball player, expert coach, and co-founder of Boulder Pickleball — to explore his journey in the sport and the intentional ways he prepares his body and mind to compete at the highest level.We talk about his background, his upcoming tournament schedule including the US Open and NPL, and his thoughtful approach to physical prep and recovery. Scott shares some of his favorite warm-up drills for players and explains what he emphasizes on court to keep his students safe and performing well.We also dive into what longevity really looks like — not just in terms of athletic performance, but in finding the right balance between competition, passion, and family. Follow Scott on Instagram:https://www.instagram.com/scottfliegelmanpickleball/Follow Boulder Pickleball on Instagram:https://www.instagram.com/boulderpickleball/Link to Med Ball Warm Up Drill:https://www.instagram.com/reel/DIADvZaKKfJ/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==Link to Footwork for Overhead:https://www.instagram.com/reel/DHq_Wa4tQny/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==

The rain arrived yet again to disrupt the weekends NPL and FQPL fixtures with only a handful of games taking place. We recap those, plus look ahead to the midweek Quarter Finals in the Pro Series.

John Assaraf is a world renowned mindset and small business growth expert who has built 5 multimillion dollar companies, written 14 books including 2 New York Times best sellers and appeared in 14 movies including the blockbuster hit “The Secret '' and "Quest For Success'' with Richard Branson and the Dalai Lama.Where to find John:FREE EBOOK: https://links.myneurogym.com/actionacademyIG: https://www.instagram.com/johnassaraf/Innercise: https://innercise.com/Website: www.johnassaraf.comWant To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses?

Join host Kate Boyle on the Mind Movement Health Podcast as she welcomes a special guest, Ben Rashleigh, a seasoned Pilates and movement practitioner. Tune in to discover Ben's transformational journey from a bustling career as a chef to embracing the world of Pilates. Learn about the profound impact Pilates can have on functional mobility, joint health, and pain-free movement. Delve into vibrant discussions on the evolution of Pilates, movement techniques, client support, and finding the right instructor. Gain valuable insights from Ben, who now thrives at Align for Life Pilates in Melbourne and contributes to elite training teams, sharing his experiences and wisdom. This episode promises to motivate anyone keen on enhancing their Pilates practice or exploring mindful movement. Whether you're a long-time Pilates enthusiast or a curious newcomer, there's something insightful for every listener.   Connect with Ben Rashleigh : Ben is a Pilates and movement practitioner with a deep passion for functional mobility, joint health, and helping people move pain-free. With a background in fine dining—having worked as a chef across Australia and Europe—Ben's personal journey through chronic back pain led him to discover the transformative power of the Pilates Method. Since 2012, he's helped everyday people and elite athletes alike reclaim their strength, mobility, and confidence. Ben currently teaches at Aligned for Life Pilates in Melbourne, contributes to the health and conditioning team at Melbourne City FC, is a Faculty educator for National Pilates Training and develops and presents continuing education workshops nation-wide to the ever-growing Pilates and movement industry. He has also had the privilege of supporting athletes and performers from the Australian Ballet School, Jason Coleman's Ministry of Dance, NPL, VWFL, the Western Crusaders American Football Club, and the Australian Outback Women's Gridiron team, among others. And considers it an honour to be part of their movement journeys. Ben brings a unique blend of lived experience, technical expertise, and practical insights, making movement feel accessible for everybody   Website: https://benjaminrashleigh.com/ https://www.alignedforlife.com.au/melbourne-cbd-pilates-studio/ Facebook: https://www.facebook.com/alignedforlifepilates Instagram: https://www.instagram.com/bjrashleigh_pilates_movement/ https://www.instagram.com/alignedforlifepilates Email: ben@alignedforlife.com.au   Want to strengthen your feet, improve your balance and minimise injuries of the foot, knee and hip? Then come join me for our online foot strength and mobility workshop, The Foot Fix. In this 90 minute online workshop, we'll explore the biomechanics of the foot and apply this to exercises you can do to build strong, mobile feet whilst improving your posture and minimising injuries. Can't make it live? That's ok. All registered attendees will receive a replay within 24hrs of the workshop. Check it out and sign-up for the workshop here: https://mindmovementhealth.thrivecart.com/the-foot-fix-workshop/   Ready to escape to Serenity? Then come join our 2025 Pilates Retreat in Thailand! This retreat promises a full week of relaxation, exploration, and rejuvenation tailored for everyone. Get ready for daily Pilates, nourishing food, enriching activities, and meaningful connections with the beautiful backdrop of Thailand. Spaces are limited to only 16 participants so get in now and grab your spot on the link below: https://www.mindmovementhealth.com.au/thailand-retreat/   Connect with Kate: Website: MindMovementHealth.com.au Facebook: facebook.com/MindMovementHealth Instagram: instagram.com/MindMovementHealth Haven't subscribed to the podcast yet? Be sure to subscribe and leave us a review at: Apple Podcasts

37 minutes was all it took for Jack Pope to write his name in South Melbourne folklore, with two ripper goals and a red card for shirt-fronting a Knights opponent, helping lift Hellas out of the relegation zone.Josh, Lachie and Ivka sift through the derby debris and ponder where to now for the Knights, as news breaks live during recording of the resignation of Club President Simon Pincic and the rest of the incumbent board.Elsewhere, Preston nab a point late against Dandy City, Altona's win has the air raid sirens sounding at Churchill Reserve, and we wonder whether Joe Guest has already inscribed his name on the Gold Medal. Plus, a there's a nine-goal thriller and a four-way title race in VPL2 - do we have a new pretender to the Chaos League throne?The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

Tommy and Kelechi are the only ones at training but we have a doozy of a session prepared! We talk the incredible scenes at Forrestfield for the Scarlett Oliver memorial match and talk about the great support the Kids with Cancer Support group are doing. We talk about huge games at the top (Perth Glory v Olympic Kingsway) and bottom (Balcatta Etna v Floreat Athena) of the table. Armadale were in yellow and we ask if the Army are once again on the march? There's a classic at Macedonia Park to talk about and a worldie between Sorrento and Perth Redstar, along with much needed angle chat between Perth and Bayswater. In the Women's NPL, we give kudos to UWA-Nedlands after their 3-2 thriller against Subiaco. Tommy was in Bunbury for the game of the season between the FW Academy and Perth Redstar and we have some familiar faces back for the Azzurri, and familar goal scorers for Balcatta who are keeping pace with the leaders! All that and more! A big thank you to all the listeners for your continued support and also to our major sponsor - The Enhance Health Group – who are your trusted provider of comprehensive vocational rehabilitation services in the South West region of Western Australia. They specialise in exercise physiology, workplace rehabilitation, chronic pain management and functional movement therapy. EHG helps individuals improve their physical health, mental well-being and professional capabilities and is led by Nicky Carter who holds post-graduate degrees in exercise physiology, sports science and teaching. EHG are committed to empowering  individuals and creating tailored solutions for every needs, so for more information reach out to Nick and the team @ www.ehgroup.au – or contact Nick@ehgroup.au via email. Huge thank you to the Enhance Health Group for their support of the Perth Football Podcast and their dedication to grassroots and community sports.

Derby day on the Gold Coast in the NPL Men's & Women's took centre stage this weekend but there was plenty of action across the NPL and FQPL. Plus in midweek there was Queensland Cup action in the Men's Round 6 and Women's Round 5.

แบงก์ชาติเผย NPL ไตรมาสแรกขยับขึ้นเป็น 2.9% หลังหนี้เน่า SME พุ่ง 7.35% จับตาหนี้เสีย ‘ลาม' สินเชื่อบ้านราคาสูงกว่า 5 ล้านบาท รายละเอียดเป็นอย่างไร ธุรกิจ SME ไทยอาการไม่ดี น่าห่วงแค่ไหน พูดคุยกับ แสงชัย ธีรกุลวาณิช ประธานยุทธศาสตร์ สมาพันธ์เอสเอ็มอีไทย

แบงก์ชาติเผย NPL ไตรมาสแรกขยับขึ้นเป็น 2.9% หลังหนี้เน่า SME พุ่ง 7.35% จับตาหนี้เสีย ‘ลาม' สินเชื่อบ้านราคาสูงกว่า 5 ล้านบาท รายละเอียดเป็นอย่างไรธุรกิจ SME ไทยอาการไม่ดี น่าห่วงแค่ไหน พูดคุยกับ แสงชัย ธีรกุลวาณิช ประธานยุทธศาสตร์ สมาพันธ์เอสเอ็มอีไทย

On yet another weather interupted weekend we still have plenty of NPL and FQPL League action to discuss including some midweek catch up games. Plus it was Quarter-Final round in the Women's Pro Series, and the Queensland Cup Regional Round 6 Final in Mackay.

We have officially hit the half-way point of the NPL Victoria season and Nick, Lachie and Ivka are back on deck to dissect a huge round of action!Green Gully shocked the Victorian football world with a 5-2 thumping of Avondale on Friday night, headlined by a hat-trick from reigning Gold Medallist Aamir Abdallah. Are Gully a potential second-half of the season bolter?Meanwhile, Dandenong Thunder scored THREE goals in the opening 15 minutes against Preston Lions to continue their brilliant season to date, while the Sinisa Cohadzic era began at South Melbourne.Elsewhere, Heidelberg won yet again to go top of the league, Hume City continue their winning ways and Melbourne Knights fell to defeat.The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

What a win! The Vuck rolled into Parramatta and took what they wanted against a team that had all the momentum. We revel in a famous win as well as celebrate the Wuck making it to another grand final after finishing off Adelaide. Follow us on Twitter, Instagram & FacebookSupport us on PatreonMON THE VUCK

The Vuck take part in an uninspiring draw to close the season that provides no momentum leading into an elimination final against the Wanderers. In better news the Wuck took their two-legged final by the scruff of the neck. Follow us on Twitter, Instagram & FacebookSupport us on PatreonMON THE VUCK

We celebrate Gabby's career by heading back to a previous podcast where she spoke about how she first got started and thanked Tracey, Karen and NPL coaches at Manchester Thunder Thanks Gabby for all you have done in the league Essential Info The Netball Show is proud to be partnered with Flyhawk.com You can listen without downloading any additional software here You can listen to our latest podcast via Sky HD / Sky Q & Sky Glass where we are part of their Netball menu's.  For over 20 years Sky Sports has been the true home of the Superleague here in the UK and you don't even need a dish these days with the innovative Sky Glass!  Join Sky TV via this link to get upto £100 in shopping vouchers

This week, we have another special guest on the line... Dave and Bobby catch up with Peninsula Power's Head of Mens Football, Ben Ryan. Some great insight into his journey from playing back home in England to his unexpected lengthy holiday stay in Australia that has seen him stick around to this day. Ben tells about his transition into coaching and the various clubs he's been involved with in the Brisbane region.#penpower #peninsulapower #NPL #aleague #QLD #brisbane #onionbagpodcast #regionalfootball #FQ #footballpodcast #sunderlandAFC

The coaching merry-go-round has well and truly arrived in NPL Victoria and Lachie, Mark and Nick are here to pick up the pieces!The coaching chaos began at South Melbourne, where former Technical Director Sinisa Cohadzic has been confirmed as the club's senior head coach until the end of the season. A familiar face, but is he the right fit at Hellas?Meanwhile, Melbourne Knights and Port Melbourne BOTH parted ways with their managers in Ivan Franjic and John Markovski. We run the rule over their respective tenures and look ahead to what could lie ahead for Croatia and the Sharks. Elsewhere, Heidelberg's purple patch of form continued as they broke their Oakleigh Cannons curse, while VPL1 one was back to it's chaotic best. The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

It was a massive week on the NPL show as league and cup action returns after the recent postponements.On the show this week we caught up with Lions FC Men's coach Darren Sime, and Gold Coast Knights Women's coach Gary French.

What a way to return from the Dockerty Cup break!Nick, Lachie and Ivka are back to dissect a bonkers weekend of NPL Victoria action, which was headlined by Luka Kolic stealing all the headlines on Monday night with a goal which could see him on the plane to The Best FIFA Football Awards!However, Dandenong Thunder had the last laugh in an incredible come-from-behind victory. Are they firmly contenders for the title?On Friday, Heidelberg roared past top of the table Avondale in a 3-1 victory at home, to set up a blockbuster clash against Oakleigh Cannons this week.Meanwhile, South Melbourne fell to defeat against Green Gully in their first league game in the post Esteban Quintas era, and much more.The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

The Vuck get it done at the cow paddock to secure a finals berth. The Wuck find out their first opponent of the finals and the Young Vucks went down in disappointing fashion but there was a legit contender for the Puskas award. Follow us on Twitter, Instagram & FacebookSupport us on PatreonMON THE VUCK

It was another weather impacted round across the NPL and FQPL but James and Adam are on hand to discuss the league and cup action.

The Vuck were stifled and ultimately fell to Auckland in frustrating fashion. We discuss the importance of the next couple of weeks where they just have to win. Speaking of winning the Wuck just keep doing that. Follow us on Twitter, Instagram & FacebookSupport us on PatreonMON THE VUCK

It's a first ever midweek version of the NPL show this week after even more wet weather enforced postponments, however we still have plenty of NPL, FQPL, Queensland Cup and Pro Series action to talk about on this weeks show.

The Vuck get the points over the ditch in a tight encounter that left us asking ourselves, is Nikos Vergos becoming cocksure? The Wuck keep on wucking, extending their unbeaten run and the Young Vucks showed some grit. Follow us on Twitter, Instagram & FacebookSupport us on PatreonMON THE VUCK

The end of an era.South Melbourne have parted ways with Esteban Quintas after a 3-0 humbling at the hands of an irresistible Heidelberg in the Greek Derby, and Josh, Lachie and Ivka are on board to debate the legacy and achievements of the league's most polarising coach.Melbourne Knights sit in the relegation zone again after a similarly comprehensive defeat to Dandenong Thunder - but why does Ivan Franjic not seem to be under the same sort of pressure?Daniel Graskoski shines as Preston draw a blank in Bundoora, Joe Knowles dominates as Dandy City wilt at Oakleigh, Josh Hope channels his inner Zidane, and Hume City shoot some fish in a barrel. Plus, there's a 6-3 in the Chaos League, an outfielder dons the gloves in VPL2, and six games coming up at once on Anzac Day!The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

We keep on Vucking despite the bye for the Vuck. It's time for another edition of Keep or Sell. We run the magnifying glass over the list and make calls on who stays and who is gone. We also discuss the results of the Wuck and Young Vuck games. Follow us on Twitter, Instagram & FacebookSupport us on PatreonMON THE VUCK

The Nashville Public Library has books, but did you know it also has cake pans, stud finders, and musical instruments? Host Marie Cecile Anderson is celebrating National Library Week by talking to NPL marketing manager Andrea Fanta about all the free stuff your library card can do, from renting an ebike to helping you find a job. Donate to the Nashville Public Library Foundation here. Want some more City Cast Nashville news? Then make sure to sign up for our Hey Nashville newsletter. Follow us @citycastnashville You can also text us or leave a voicemail at: 615-200-6392 Interested in advertising with City Cast? Find more info HERE.

In the latest episode of Morningstar DBRS' “European Securitisation Insights” podcast, Mudasar Chaudhry, who leads our European Structured Finance Research team, was joined by Lorenzo Simonte, Assistant Vice President, European NPL Ratings and Norman Pepe, Partner at iLS London-Milan to discuss a unique development in the Italian securitisation market: a proposal to securitise unpaid tax bills due to the Italian national tax system.The panellists explored how this can be made possible and how current Italian securitisation law makes provisions for such transactions. They also explored the credit rating angle, key considerations, and whether servicers are ready to manage such a unique asset class.Related Content: “Italian Unpaid Fiscal Claims: A Potential New NPL Subcategory”https://dbrs.morningstar.com/research/449419By downloading or listening to this podcast, you are agreeing to the Morningstar DBRS disclaimer and legal terms and conditions found at dbrs.morningstar.com/about/disclaimer and dbrs.morningstar.com/about/termsandconditions, including that the information provided is not investment, financial or other advice. Morningstar DBRS will not be liable for losses arising from your use of the information. Please note that the content of this podcast is intended for European audiences only.

Milestone moments, refereeing controversies, temper tantrums, and "Chaos League heritage" finishes - Round 9 had it all. Josh, Nick, Ivka, and our interstate interloper Lachie are on board to break it down in a bumper episode of the NPL Victoria Podcast!Victory leap into the top six after a thrilling win over St Albans - are the Young Vucks the real deal?Preston grind it out against the Knights and South barely survive a scare against the Magic, while Heidelberg and Dandy Thunder turn on the style. Plus, there's the Catenaccio merchants of VPL2, Charlton Heston makes an appearance at Frank Holohan, and we get our hands on the Zapruder film from Pettys Reserve. The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

After yet another interuption due to wet weather, the NPL and FQPL resumed with a handful of games played over the weekend. We recap those as well as the midweek Australia Cup action on this weeks show.We also briefly disucss the latest Brisbane Roar home defeat at the hands of Macarthur FC in the second half of the show.

Nei 290 miliardi di stock di NPL stimati per fine 2024 in Italia (il dato viene dal Market Watch NPL di Banca IFIS) ce ne sono moltissimi che hanno un sottostante immobiliare. Un asset messo a garanzia di un finanziamento ma che non sempre si riesce a liquidare in tempi brevi. Spesso perché, banalmente, non esistono le condizioni di mercato per farlo. Ed emerge quindi la necessità di una gestione attiva di questi immobili. Ne abbiamo parlato con Juan Pablo Marino, Managing Partner di Mco real estate, società nata nel 2013 e specializzata proprio nella gestione di società con asset immobiliari in dissesto finanziario. 

The Vuck bring the nostalgia with an old school shoot out against Adelaide United with the returning Roos playing staring roles. The Wuck were also triumphant with a late winner ensuring both pissant teams left the DPRV empty handed. Follow us on Twitter, Instagram & FacebookSupport us on PatreonMON THE VUCK

The knives are out for Esteban Quintas again after a home defeat to Dandenong City - but what will it take for South Melbourne to pull the ripcord?Two former Preston players come back to haunt their former club, with Nick Dib submitting a contender for goal of the season. Where did it go wrong for the Lions away at Port Melbourne?Plus, there's penalty controversy at Avenger Park, Dinamo disappointing at Somers Street again, and the pod ponders whether Joe Guest has somehow become underrated. Join Nick D'Urbano, Josh Parish and Mark Ivkovic for another blockbuster edition of the NPL Victoria Podcast!The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

Josh and Ivka are joined by special guest Steve Curtain to discuss Dandenong Thunder's shock win over Avondale, Oakleigh stealing the points late at BT Connor, Hume finally reversing the South Melbourne curse, and Melbourne Knights dropping into the relegation zone with a dismal home defeat to Victory. Plus, there's penalties galore, an unlikely entrant for the most entertaining team in the chaos league, and Ivka's cure for infant insomnia.The NPL Victoria Podcast is brought to you in 2025 by Melville Bodyworks, located at 106 Melville Rd Brunswick West. For all your panel beating and smash repairs, give them a call on 8378-5555, or visit melvillebodyworks.com.au - and let them know we sent you!We're also brought to you by Sacred Herbs who are fuelling us in 2025 with their delicious Yerba Maté and offering a special deal to our listeners.Use codeword “NPL” for a 15% discount on anything at www.sacredherbs111.com/ including some of that sweet, sweet maté

An unforgiveable capitulation from the Vuck and a stark reminder of why this team is so untrustworthy. We unpack the disastrous result from Saturday night. Follow us on Twitter, Instagram & FacebookSupport us on PatreonMON THE VUCK

Our podcast guests are NPL's Ileana Silvestre Patallo and Ruth McLauchlan of the NHS

The Vuck are on the winners list after putting the hapless Mariners to the sword. The Wuck keep on wucking and we discuss the Young Vuck's start to the NPL season. Follow us on Twitter, Instagram & FacebookSupport us on PatreonListen to our interview with John Stensholt regarding Melbourne Victory's finances HEREMON THE VUCK

For information on our live camp in LA: http://402p.com/camp To Support the show: http://402p.com/support For 10% off your CRBN Paddle use "402p" at checkout at crbnpickleball.com. In this milestone 100th episode of the 4.0 to Pro Pickleball Podcast, hosts Michael O'Neal and Mircea Morariu celebrate the growth of the show and delve into various strategies and tips to improve your pickleball game. Broadcasting from rainy Long Beach, California, and sunny Boca Raton, Florida, respectively, the hosts discuss their upcoming NPL combine in Glendale, Arizona, and share insights from recent pickleball experiences, including indoor vs. outdoor play and the importance of court positioning. They also announce their first official pickleball camp in Calabasas, CA, and interact with listener questions on topics like handling hard returns, training to split-step, and tournament mentality. The show emphasizes consistent practice, drilling, and strategic thinking as pathways to elevate your game from 4.0 to pro. 00:00 Introduction and Upcoming NPL Combine 00:39 Exploring Powerplay Pickleball in LA 01:26 The Future of Pickleball: Indoors vs Outdoors 03:31 Episode 100 Milestone and Reflections 06:49 Announcing the First Official Camp 09:14 Listener Voicemails and Questions 22:18 Overcoming Mistakes and Sharing Experiences 23:21 Strategies for Handling Hard Hitters 24:23 Pre-Serve Alignment and Footwork Tips 25:30 Adapting to Opponents' Play Styles 31:12 Tournament Strategies and Mentality 39:29 The Origin Story of the Podcast 42:33 Gratitude and Future Plans Learn more about your ad choices. Visit megaphone.fm/adchoices

NPL's Daniel Sarno and IIT Bombay's Bhaskaran Muralidharan are our guests

Zane went down under to compete in the first-ever PPA Australia Open. While on-site he sat down with PPA Tour CEO Connor Pardoe, and Australian pickleballers Joey Wild, Roos Van Reek, and Brendan Lee. Listen to the leaders of the Australian pickleball movement explain how the game is rapidly growing in the country. Joey Wild explains how the tennis Australian Open has embraced pickleball despite most tennis tournaments resisting the sport. Connor Pardoe details how the United Pickleball Association is approaching international growth and navigating government restrictions in each country. Brendan Lee breaks down the emerging professional leagues and organizations trying to guide the sport in Australia. Get your BioBalls at http://komodopickleball.com/ Let's keep our courts green, one rally at a time. Ditch the slip-n-slide and grab some 4on TotalGrip Spray. Find it on Amazon - https://www.amazon.com/4on-Total-Grip-Spray-Pickleball/dp/B0CDQSZ61M/ref=sr_1_1?crid=2A2GTY0IXP720&dib=eyJ2IjoiMSJ9.lApjO6QjNRWGEN536a4n4xOiruibPTkBAkb75FZX5dHxxFcOWb54K5Dk7rw2PPjjhMdCVWPe5RUlgnYS46GmNYjZ9n-snmPHQG-RqiQOip63yU9bUwqKnDz3o8BvRYsAKnkCUOyfhYVtpKpinHBkRM9I_0sAx-2Q7N2V349YiaDYgZ850wiwx5kIHaZMmP8mWtdWStcYbzr-BaCeSCF3UTcA-q-cf0F2sUB0NICnoYZyTqvSvzuQSR3QK77SUnVf.0Nq2fjcVYIAaS8ov0J7d8LaJjbEe562Do9CaWnluyFU&dib_tag=se&keywords=4on+totalgrip+spray&qid=1737993916&sprefix=4on%2Caps%2C181&sr=8-1 Pickleball's #1 subscription box is here https://www.thedink.shop/ Leave your voicemail for the PicklePod at (512) 200 - 4299 ------------------ Like the ep? Do us a favor: subscribe to our channel and leave a review on Apple or Spotify -Subscribe to our 'all things pickleball' *free e-newsletter* at https://www.thedink.beehiiv.com https://www.instagram.com/thedinkpickleball/ -Follow us on IG -Continue the convo in our private FB Group: https://www.facebook.com/groups/thedi... -For everything else we do, visit https://linktr.ee/dinkfam -Read more about Zane and subscribe to his newsletter at https://zanenavratilpickleball.com/ -Follow Zane on IG @zanenavratilpickleball ------------------ Connor Pardoe - PPA Tour CEO 0:00 Connor has some Australian roots 2:54 First international PPA Tour stop 6:38 How the PPA Tour is approaching Asia 8:25 What are the challenges with international events? 10:58 PPA Tour rolling out the Challenger Series 14:17 Why did Zane choose international partners? Joey Wild - Australian Pro Player 16:38 The Aussie pro pickleball landscape NPL vs PPA 19 :35 The National Pickleball League model 22:05 Playing pickleball at the Australian Open 29:45 Tennis embracing pickleball Roos Van Reek - Australian Pro Player 34:06 Roos is an Honorary Australian 37:43 Gap year turned pickleball pro 41:03 Would you move to the US to train? 44:13 What is pickleball like in China? 46:51 Who are your normal partners? + MLP Australia Brendan Lee - Pickleball Australia Executive Officer 48:20 “We hope they all win” and Aussie rules 52:59 There are very few public-access tennis courts 56:52 Australia wasn't ready for pro pickleball Learn more about your ad choices. Visit megaphone.fm/adchoices

Dennis Heuer, partner at White & Case, joins Debtwire's Johannes Koch to explore the impact of the Secondary Credit Markets Act (Kreditzweitmarktgesetz) on the market for non-performing loans.The act, or NPL-directive for short, was introduced just over a year ago in Germany to help foster a deeper and more liquid secondary market for non-performing loans. Now that the dust has settled on its introduction, Heuer reviews the basic tenants of the law, how it has impacted market participants and ultimately, gives us a view on whether it has delivered, or has yet to deliver, on its promise.Heuer is a partner at White & Case and an expert in structured finance and securitisation within the law firm's EMEA Structured Finance Group. He represents clients, among them banks, insurance companies, debt collectors and multinational corporates on a wide range of cross-border transactional and advisory matters.

We are bringing our inspirational and thought provoking series Cafè y Charla to the podcast. On today's episode Erica welcomes Rosita L. Marinez, MS-NPL, ADV-CSW, MSW, SIFI to talk about Stereotypes, intercultural stigma, and assimilation.Guest Bio: Rosita Marinez has over two decades of experience specializing in operations management, fiscal management, project management, program development, and executive leadership. Her focus areas are mental health, substance use disorder, HIV/AIDS, and housing.Rosita is the Senior Vice President of Supported Housing at the Institute for Community Living (ICL). She oversees the nation's most extensive OMH housing portfolio for Supported Housing, consisting of 1,700 supported apartment beds. The housing portfolio includes the Treatment Apartment Program and permanent scattered sites for individuals with severe mental illness.Throughout her career, she has been part of different initiatives in housing, HIV/AIDS, and workforce development, including the New York State AIDS Institute: Positive Housing for ALL, Housing Retention Programs, Robin Hood: AIDS for AIDS International: New York Immigrant Program, and Robin Hood: SEEDCO: Single Stop Initiative- Earn Benefits.Pick up the new Latinx In socialwork Volume 3 Today on AmazonClick here for more Information!Follow LatinX in Social Work on the web:LinkedIn: https://www.linkedin.com/in/erica-priscilla-sandoval-lcsw-483928ba/Instagram: https://www.instagram.com/latinxinsocialwork/Website: https://www.latinxinsocialwork.com/Get the best selling book Latinx in Social Work: Stories that heal, inspire, and connect communities on Amazon today:

Tobias Lindstrom, Head of Science for the Department of Quantum Technologies at the National Physical Laboratory (NPL) in the UK, is interviewed by Yuval Boger. They discuss the critical role of national measurement institutes in the quantum ecosystem. Tobias explains how NPL bridges the gap between academia and industry, delves into the complexities of quantum benchmarking and standardization, and explores advancements in quantum communications, sensing, and computing. They also touch on the evolving quantum supply chain, the role of neutrality in measurement services, and what the future holds for quantum technologies.

แบงก์ชาติเผย สินเชื่อระบบธนาคารพาณิชย์ (รวมเครือ) ไตรมาส 3/67 ติดลบครั้งแรกในรอบ 14 ปี ขณะที่สัดส่วน NPL ต่อสินเชื่อรวมสูงสุดนับจากโควิดและมีแนวโน้มเพิ่มขึ้น รายละเอียดเป็นอย่างไร ล้วงแผน ‘หมอบุญ' ลวงเหยื่อหลอกลงทุน เสียหายหมื่นล้านบาท พูดคุยกับ แทนคุณ จิตต์อิสระ ประธานชมรมสันติประชาธรรม

เครดิตบูโรเผย ภาพรวมหนี้ครัวเรือนไทยประจำไตรมาส 3 ปี 2567 พบหนี้เสีย (NPL) แตะระดับสูงสุดเป็นประวัติการณ์ เพิ่มขึ้น 14.1%YoY รายละเอียดเป็นอย่างไร เจาะมาตรการแก้หนี้ครัวเรือน แก้ปัญหาตรงจุดหรือไม่ พูดคุยกับ สุธัช เรืองสุทธิภาพ ประธานเจ้าหน้าที่บริหาร บริษัท เงินเทอร์โบ จำกัด (มหาชน) และนายกสมาคมการค้าผู้ประกอบธุรกิจสินเชื่อทะเบียนรถ หรือ VTLA

Building on our discussion of Sea Groups Q3 earnings, this week we unpack Sea Group's US$4.6B loan book, which has grown 30% QoQ while keeping non-performing loans low.  Tune in as we break down how Sea Money leverages Shopee's customer data to assess credit risk, fueling growth for both its digital financial arm and Shopee, with BNPL services encouraging users to finance larger ticket items.  On the other hand, Grab's loan book, although smaller—at just 10% of Sea's loan book—has potential. While Grab's user base skews more premium and its ride-hailing model sees fewer transactions than e-commerce, it's steadily growing. With 41.9 million monthly transacting users and expanding services across income segments, Grab is creating new opportunities in digital finance. Chapters: 00:00:37 SEAMoney's US$4.6B loan book  00:04:00 How do tech players support lending?  00:06:20 SEA maintains a low non-performing loans (NPL) 00:12:28 Shopee Paylater boosts ecommerce growth  00:18:15 Does Grab's financial services have potential?