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This week, Kristen chats with Bill, Creative & Executive Director of ArtPhilly, who is currently helping mastermind a city-wide arts festival for America's 250th birthday. He's smart, creative, high-capacity… and, like many ADHDers, he hit the limit of what his frontal lobe could juggle.And then? He hired help — aka he hired himself a frontal lobe.And everything changed.This interview is full of laughs, honesty, and so many “OMG SAME” moments.In this episode, Bill talks about:His ADHD story and how long he tried to push through on grit aloneThe stuckness and overwhelm that finally made him say, “Okay… I need an extra brain”What the hiring process was actually like — awkward, liberating, and so worth itWhy paying for help isn't indulgent — it's ADHD brain maintenanceHow getting support expanded his peace, confidence, and capacityThe big idea:If you've ever told yourself, “I should be able to do this myself,” Bill's story gives you the permission slip you've been waiting for. If you have money to spend, hiring help isn't a luxury — it's a way of outsourcing executive function so you can actually live the life you're trying to build.Watch this episode on YouTubeWant help with your ADHD? Join FOCUSED!Have questions for Kristen? Call 1.833.281.2343Hang out with Kristen on Instagram and TikTokGo to drinkag1.com/ihaveadhd, to unlock 7 gifts worth $126 during DecemberSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Most rookies buy rental properties for monthly cash flow or long-term appreciation, but for today's guest, the enormous tax benefits were the biggest driver. Whether you're looking to achieve true financial freedom, leave your W-2 job, or keep more of your hard-earned money from the tax man, this episode is for you! Welcome back to the Real Estate Rookie podcast! Ross Alcorn was very good at his medical sales job, but he was slowly burning out. His breaking point? Paying over $175,000 in taxes (in one year!) and still getting hit with a surprise $33,000 tax bill. He knew there had to be a better way to not only make a living but also build long-term wealth, and after a few conversations, he plunged headfirst into real estate investing—taking down five deals in just six years! In this episode, you'll learn how real estate tax benefits often outweigh cash flow, appreciation, and loan paydown in many cases—especially if you're a high-income earner or full-time investor. But that's not all. Stick around, and Ross will also share the real estate side hustle he uses to furnish and renovate his rentals and travel for free! How Ross went from job burnout to building a five-property portfolio How to potentially save thousands on taxes with rental properties The real estate side hustle that could help pay for your next vacation The biggest keys to a successful real estate investing partnership How to drastically reduce your living expenses with the house hacking strategy And So Much More! In This Episode We Cover Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

On the debate over what items can be taken down from the altar, and which must remain here - and then, against the backdrop of the several tannaitic views, the decision was made. With libations in a different category from the offerings themselves, apparently. Also, a new mishnah! Paying new attention to that which became invalidated before bringing them into the courtyard, let alone on the altar... With a specific list, including idolatry, bestiality, and more. Also, the Gemara on this mishnah that addresses 3 exclusions from the altar - as brought in a beraita -- exclusions for which the blood indeed would be brought down. Specifically, assessing Rabbi Yehudah's view.

He Quit Everything to Trade for a Living In episode 537 of the Desire To Trade Podcast, you will be listening to an interview with author and pro trader Kevin Hunt, as he opens up about the journey that took him from losing everything in the UK to building a simple, freedom-focused trading lifestyle in Thailand. He shares how mindset, patience, and steady progress—not overnight wins—helped him turn trading into a sustainable way of living. His story shows what's possible when you keep things simple, stay consistent, and let trading support the life you actually want. The video is also available for you to watch on YouTube. >> Watch the video recording! Topics Covered In This Episode 00:00 Introduction 00:55 Kevin Hunt's background 03:30 Discovering Forex trading 04:39 Finding mentors & early struggles 05:33 Mindset breakthrough & teaching his partner 08:04 Achieving lifestyle freedom in Thailand 10:24 Two important things to learn as a trader 13:28 Kevin's trading style 14:44 Red-news trading explained 17:25 Combining investing, ETFs, and trading income 19:57 Paying himself a salary from trading 21:49 Joining Desire To TRADE & teaching again 23:45 Final message to traders What did you like best in this podcast episode? Let's talk in the comments below, or join me in the Facebook group! Desire To Trade's Top Resources DesireToTRADE Forex Trader Community (free group!) Complete Price Action Strategy Checklist One-Page Trading Plan (free template) Recommended brokers: EightCap (preferred Crypto and FX Broker) AxiTrader (use our link to get a special bonus) Desire To TRADE Academy Get a copy of Prop Trading Secrets (Author: Kathy Lien & Etienne Crete) About The Desire To Trade Podcast Subscribe via iTunes (take 2 seconds and leave the podcast a review!) Subscribe via Stitcher Subscribe via TuneIn Subscribe via Google Play See all podcast episodes What one thing will you implement after listening to this podcast episode? Leave a comment below, or join me in the Facebook group!

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GovClose Certification Overview: https://www.govclose.comThere is a highly effective, results-driven certification that most people have never heard of — yet it consistently helps professionals break into six-figure federal sales careers, build multiple-six-figure consulting practices, and win meaningful government contracts for their businesses.In this video, former Department of Defense (now DOE) procurement officer Lt. Col. (Ret.) Richard C. Howard walks through the complete FY26 GovClose Certification Program syllabus, based entirely on how federal agencies actually buy. You'll see how GovClose students:- Earn top-tier roles as public sector account executives- Build consulting practices supporting government contractors- Win contracts for their own companies through data-driven strategy- Learn a repeatable process grounded in federal spending analytics- Apply what they learn through the GovClose War Room implementation systemThis is a full breakdown of the core curriculum, the methodology behind it, the real examples of what this certification prepares you to do in the federal marketplace.CHAPTERS00:00 314 Professionals Trained and the Outcomes They're Seeing00:15 Three Types of Results: AE Careers, Consulting Wins, Federal Contract Success00:30 Rick Howard's Background Managing $82B in DoD Contracts01:00 What You Will Learn in This Full Syllabus Walkthrough01:15 Why GovClose Is Not a Proposal-First Program01:30 The Three Paths to Applying GovCon Expertise02:00 Path 1: Contractor Path for Existing Business Owners02:45 Case Study: David Ortiz and Federal Logistics Contracts03:00 Path 2: Consultant Path for Those Without a Business03:15 Ivan's Path: Consulting Clients and Transition Into a Top Role03:45 Path 3: Professional Path and High-Level AE Careers04:15 What These AE Roles Look Like in Practice04:30 Jacob's Result: Standing Out Against Experienced Applicants05:00 Phase 1: Government Contracting Fundamentals06:00 Understanding Whether the Government Buys What You Sell06:15 Phase 2: Niche Development Through Federal Spending Data07:00 Identifying Low-Competition, High-Demand Niches07:30 Student Feedback: Eliminating Blind Spots Through Strategy07:45 Phase 3: Building the Federal Sales Roadmap08:15 How Agencies Buy: Vehicles, Set-Asides, Patterns08:45 Matching Your Company Profile to the Right Vehicles09:00 Estimating Realistic Potential Using Competitor Behavior10:00 How the Roadmap Helped Jacob Win His Interview11:00 Phase 4: Pipeline Building with Early-Stage Opportunities12:00 Why Waiting for Posted Solicitations Doesn't Work12:15 Phase 5: The Art of Winning Through Meetings and Influence12:45 Rick's Account Executive Example: Why Meetings Drive Success13:15 Understanding the Market Research Phase14:00 Case Study: Why Sam's Bids Were Late in the Process14:30 Phase 6: Mastering Proposals and Compliance Requirements15:00 Avoiding Disqualification Through Proper Compliance16:00 What Happens After 12 Weeks: The War Room17:00 Implementation Support: Pricing, Clients, Post-Award Guidance18:00 Access to Experts Across the GovCon Ecosystem18:30 Choosing Your Specialization After Certification19:00 Advanced Topics: Vehicles, SBIR, OTA, and Acquisition Strategy20:00 Deliverables You Leave With (Roadmap, Pipeline, Strategy, Niche)20:45 Certification Benefits: Badge, Recommendation, CRM, Community21:00 Who This Program Is Not Designed For21:45 Who This Program Is Designed For22:30 The Work Required and What True Expertise Looks Like23:00 How to Learn More or Join GovClose Recommended Videos to Watch NextThe 15 Rules of SAM.govhttps://youtu.be/gdh8dNBT46M27 Steps to Write Winning Proposals for Government Contractshttps://youtu.be/4Db9iCNlhw8The High-Paying Job Military Veterans Have Never Heard Ofhttps://youtu.be/cXGnPUaimAUConnect with Rick on LinkedIn: https://www.linkedin.com/in/govclose/Hire a GovClose Trained Consultant: https://match.govclose.com

L. Todd Wood, founder of CDM.press, author, and Vindicta Publishing contributor, joins The Steve Gruber Show to discuss the precarious situation facing Lebanon's Christian communities. Drawing from his latest work and extensive reporting, Wood examines how Lebanon's Christians are under pressure from political instability, regional conflicts, and social unrest, and what a fragile peace means for their future. Wood also shares insights from his book “Paying the Price: The Untold Story of the Iranian Resistance”, connecting global power struggles to the local challenges in Lebanon. The conversation highlights the intersection of faith, geopolitics, and survival, and why international attention to these fading communities is more important than ever

Chris Morgan, VP of Data Science at Lincoln Financial Group, joins me to unpack what a real data culture looks like inside a complex, highly regulated business that has policies on the books for decades. We talk about how to turn Gen AI buzz into real value, why governance and quality suddenly matter to everyone, and how to tackle data technical debt without stalling delivery.Chris shares concrete ways he finds champions in the business, balances centralized and federated models, and keeps stakeholders excited about the future while he quietly fixes the messy data foundation underneath it all.Key takeawaysData culture is less about dashboards and more about curiosity, repeatable processes, and raising the analytical watermark across the company, not just in the data team.The teams that will win with Gen AI are the ones that can safely connect proprietary data to these models, which demands strong governance, clear definitions, and shared standards.A blended model works best for scaling data work, where a central function sets guardrails and standards while domain teams stay close to the business and own local decisions.Paying down technical debt works when it is framed in business terms, tied to revenue and risk, and treated as a regular slice of capacity instead of a one time side project.Education is now part of the job for data leaders, from internal road shows on Gen AI to simple stories that explain why foundational data work matters before you can ship shiny tools.Timestamped highlights00:04 Setting the stage Chris explains his role at Lincoln Financial and how data science supports life and annuity products that can live for decades.03:33 The Cobb salad story A simple grocery store analogy that makes data standards and shared definitions instantly clear to non technical stakeholders.06:06 Finding the right champions Why Chris prefers curious partners who will invest time with the data team over senior leaders who just want results without changing behavior.08:33 Governance as Gen AI fuel How regulatory pressure and the need to trust what goes into models are pushing data governance and quality into the spotlight.11:11 A practical way to attack data technical debt How Chris decides what to fix first, and why he tries to reserve a steady slice of team time for cleanup so progress is visible and sustainable.17:44 Managing Gen AI expectations From road shows to constant communication, Chris shares how he keeps enthusiasm high while also being honest about the timeline and effort.One line that sums it up“These generative models are going to become a commodity and what will separate companies is who can take the most advantage of their proprietary data.”Practical playbookStart small with data culture by picking one engaged business partner, one problem, and one outcome you can measure clearly.Reserve a consistent portion of team capacity for technical debt, even if it is only a small percentage at first, and make the tradeoffs visible.Use stories, analogies, and simple rules of the road so stakeholders can understand how data systems work without becoming experts in the tech.Call to actionIf this conversation helped you think differently about data culture and Gen AI inside your company, follow the show and leave a rating so more engineering and data leaders can find it. To keep the discussion going, connect with me on LinkedIn and share how your team is tackling data culture and technical debt right now.

The Break Room (THURSDAY 12/4/25) 7am Hour 1) There doesn't seem to be much rhyme or reason for the way these numbers line up 2) The last time on a football field 3) Sit him out, or let him play?

Hiring contractors is hard enough… hiring them out of state can feel terrifying.In this value-packed episode of Cashflow Positive, Kenny sits down with Jen Josey, real estate investor, coach, mastermind leader, and construction expert, to break down exactly how to find, vet, manage, and protect yourself when working with contractors in markets where you don't live.Jen shares the six critical documents every investor should use, the insider process for finding investor-friendly contractors (hint: it's not Google), how to structure payment schedules that protect your budget, and the legal tools that saved her from a lawsuit.If you plan to renovate a property outside your local market, this conversation may literally save you thousands.Timestamped Highlights[00:00] Meet guest Jen Josey and her path from teacher → corporate → real estate[00:01:20] How Jen replaced her corporate income in 8 months[00:01:55] What Jen is working on today: coaching, STRs, investing, and running multiple companies[00:03:00] Current STR portfolio: beach condo, Boone cabin, and plans for a micro-resort[00:05:00] What Jen looks for: smaller STRs, pet-friendly, waterfront, couples-focused[00:06:25] How she evaluates markets in NC, VA, and SC[00:08:10] Kenny's lead-in to contractor horror stories and out-of-state projects[00:09:00] Jen's #1 starting point: investor Facebook groups (and how to post correctly)[00:09:45] Step 2: local REIAs (why they matter and what quality they attract)[00:10:40] Window replacement sticker shock: a real example ($7K for three windows)[00:12:00] Never pay large deposits upfront—and what to do instead[00:12:45] The exact six critical documents every investor should use[00:13:35] The “lien waiver” that saved Jen from being sued[00:14:10] The contract: deadlines, penalties, warranties, and holding contractors accountable[00:15:40] Insurance + indemnification: adding yourself to a contractor's policy[00:16:20] Building your scope of work from the inspection report[00:16:55] Paying your inspector to verify contractor work[00:17:40] The proper way to structure a payment schedule (why the final payment is the largest)[00:18:55] W-9 requirements for anyone paid over $600[00:19:20] Contractors who refuse to sign contracts—why you should walk away[00:20:05] Kenny's theater room story and how a missing change order cost him[00:21:55] How to prevent “death by $500 change orders”[00:23:15] How hard money lenders help enforce accountability[00:24:00] What makes someone an investor-friendly contractor[00:27:00] Jen's secret weapon: “pimping out” contractors to keep prices low[00:29:00] Code of Conduct on job sites (English + Spanish)[00:33:00] The two most important people on your STR team: cleaners + handyman[00:34:25] Paying your handyman well to secure long-term loyalty[00:35:00] Jen's final tip for cash flowing positive: deliver unforgettable guest experiences[00:37:00] Why theme ≠ experience (Kenny's Taylor Swift pillow story)[00:39:20] Where to follow Jen and how to get her contractor documentsAbout the GuestJen Josey is a real estate investor, coach, podcaster, and founder of the Real Estate Investor Growth Network (REIGN). After leaving her corporate job, Jen built a diverse portfolio across long-term rentals, short-term rentals, flips, and new construction. She runs multiple companies under the Joli brand, including construction, brokerage, and investment arms, and coaches investors nationwide on buying and renovating out of state.She is also the host of the Real Estate Investor Growth Network Podcast and leads a mastermind for active investors.

Who do you agree with?

12-4 Adam and Jordana 9a hour

What's awesome?  The trend of lifelong learning. And in this age of emerging AI disruption and uncertainty, it seems to be catching on. Later - Not awesome: Paying expenses for your adult children when it impacts your own financial well-being over time. How prevalent is this practice? Clark shares some surprising statistics.  Life Is For Learning: Segment 1 Ask Clark: Segment 2 Parental Funding: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Where To Take Free Online Courses 12 Best College Scholarships Websites Plus Other Resources NYTimes: Why Are More Retirees Going Back to College? Why I Take Every Single Vacation Day (And You Should Too!) Is LifeLock Worth It?  /  Protect Your Identity Archives Why You Need To Lock Your Phone Number Today SIM Card Swapping: The Dangerous Cell Phone Scam How To Freeze & Unfreeze Your Credit With Experian, Equifax & TransUnion The Real Cost of Funding Adult Children: Postponing Retirement Fidelity Investments Review: Pros & Cons Roth vs. Traditional 401(k): What's the Difference? Is Chase Sapphire Reserve® Worth It? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Trump is step one. Fed up with an impossible task. Just how safe and effective was it? The institutions delegitimized themselves. Paying respect to the fallen. We must remove these communist judges that protect the revolution. Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Travis sits down with his producer Eric for a fun, practical breakdown of whether speaking at events is actually worth it for entrepreneurs and creators. From horror-movie cold opens to hard-nosed math on time, travel, and ROI, this episode digs into when to say yes to a stage, when to walk away, and how to think about “paid to speak” vs “pay to speak” opportunities in a sane, strategic way. On this episode we talk about: Whether speaking at events is a vanity play or a real growth lever for your business How your goals (professional speaker vs business owner vs personal brand builder) change the calculus on saying yes to a stage The tradeoffs between local, niche rooms and big stages with thousands of people Hidden costs of speaking—travel, lost work time, opportunity cost—and how to factor them in When it can actually make sense to pay to be on stage and how to evaluate those offers like ad spend Top 3 Takeaways Speaking is almost always valuable if it aligns with a clear goal—professional speaking, lead gen, or brand building—but not every stage is worth your time. Quality of the room (who's in the audience, who's hosting, who's backstage) beats quantity of people; a small room of serious buyers can outperform a crowd of thousands. Paying to be on stage isn't inherently a scam—it's a marketing decision; you need clear numbers, clear expectations, and a plan to work the room and follow up afterward. Notable Quotes "It depends on your goal—if you want to be a professional speaker, you should be on any stage that'll have you." "Sometimes 22 multi-millionaires in a small room are a better use of time than 2,000 random people in an arena." "Once you're paying to speak, it's not magic anymore—it's just ad spend, and you've got to treat it like a marketing channel." ✖️✖️✖️✖️

This is the 250th episode of the Money Meets Medicine podcast! What better way to celebrate than to talk about Jimmy's financial journey over the last 8 years since finishing training.  In this episode, Jimmy shares some of his family's personal financial milestones and some recent financial wins, including a big tax loss harvesting event. Topics discussed on the show:Paying off student loansJimmy's family's Net WorthHighlighting key financial principles like avoiding the Diderot Effect and leveraging compounding interest. The Big Tax Loss Harvesting event involving Bitcoin.Looking to get started on your own bitcoin journey? Download Jimmy's Beginner's Guide to Bitcoin here: https://moneymeetsmedicine.com/bitcoinNeed disability insurance but not sure who to trust? Go with the only disability company that works exclusively with physicians (and has an unexpected denial rate https://moneymeetsmedicine.com/update Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most LLC owners are paying themselves the wrong way—and it's costing them thousands every year. In this episode, we break down exactly how to pay yourself the right way, avoid IRS trouble, and legally lower your taxes. You'll learn the difference between owner draws, guaranteed payments, and how an S-Corp election can unlock major tax savings. We also share real-life examples of small business owners who saved over $18,000 a year with smart tax strategies. Whether you're a solo entrepreneur or running a team, this episode gives you clear, actionable finance advice to keep more of what you earn. Listen now to make sure you're not one of the 90% doing it wrong.   Next Steps:

At a time when middle-skills jobs can offer salaries over $55,000 annually without requiring a bachelor's degree, the U.S. still isn't producing enough workers to fill these roles. Georgetown University's Center on Education and the Workforce (CEW) Director of Research, Zack Mabel, joins host Jason Altmire to discuss CEW's recent report, Missed Opportunities: Credential Shortages in Programs Aligned with High-Paying Middle-Skills Jobs in 55 US Metro Areas. Together, they explore the structural and cultural forces behind the middle-skills gap and why certain sectors, especially the trades, face staggering shortages. The conversation highlights metro-level variations, the persistent impact of “college-for-all” messaging, and the nuances of credential shortages and surpluses in healthcare fields specifically. The episode offers a fresh perspective on how institutions can expand opportunity without defaulting to the four-year degree.To learn more about Career Education Colleges & Universities, visit our website.

If you've ever thought about putting your kids to work (on the payroll, that is), here are practical tips and some fun stories that might just inspire you to take the plunge. You could end up saving money and setting up your kids for financial success down the road!Hey there, and welcome back to the "Empowering Entrepreneurs Podcast" with Glenn Harper and Julie Smith! This episode gets into something a lot of business owners have wondered about, but maybe haven't really dug into—can you actually pay your kids for helping out in your business? And what does that mean for your taxes?Glenn breaks down all the nitty-gritty IRS details and shares some smart ways to shift income, save on taxes, and teach your kids about money at the same time. Plus, Julie Smith adds her take on the real-life lessons kids get from rolling up their sleeves in the family business.This episode is brought to you by PureTax, LLC. Tax preparation services without the pressure. When all you need is to get your tax return done, take the stress out of tax season by working with a firm that has simplified the process and the pricing. Find out more about how we started.Key takeaways for business owners:Tax-smart payroll: Paying your kids through your LLC or as a sole proprietor can offer major tax advantages, as you may avoid the extra 15% in employment taxes that corporations require.It's not just about taxes: Beyond dollars and cents, bringing your kids into your business teaches them real-world financial skills, from how payroll works to the power of compounding through Roth IRAs.Documentation and legitimacy matter: The IRS requires any payments to be reasonable for actual work performed—think marketing help, filing, or even social media management. Keep it legitimate!Running a business doesn't have to run your life.Without a business partner who holds you accountable, it's easy to be so busy ‘doing' business that you don't have the right strategy to grow your business.Stop letting your business run you. At Harper & Co CPA Plus, we know that you want to be empowered to build the lifestyle you envision. In order to do that you need a clear path to follow for successOur clients enjoy a proactive partnership with us. Schedule a consultation with us today.Download our free guide - Entrepreneurial Success Formula: How to Avoid Managing Your Business From Your Bank Account.Glenn Harper, CPA, is the Owner and Managing Partner of Harper & Company CPAs Plus, a top 10 Managing Partner in the country (Accounting Today's 2022 MP Elite). His firm won the 2021 Luca Award for Firm of the Year. An entrepreneur and speaker, Glenn transformed his firm into an advisory-focused practice, doubling revenue and profit in two years. He teaches entrepreneurs to build financial and operational excellence, speaks nationwide to CPA firm owners about running their businesses like entrepreneurs, and consults with firms across the country. Glenn enjoys golfing, fishing, hiking, cooking, and spending time with his family.Julie Smith, MBA, is a serial entrepreneur in the public accounting space. She is the Founder of EmpowerCPA™, Founder of PureTax, LLC, COO for Harper & Company CPAs Plus, and Co-host of the Empowering Entrepreneurs podcast. Named...

    Slam The Gavel welcomes new guest, Todd Humes from Pennsylvania. He has been driving tractor trailer for 38 years. He had purchased a bar back in 2019 and getting through the pandemic was challenging. However, his ESTRANGED WIFE was managing the bar when Todd noticed LARGE amounts of money going missing. She put him out on a false PFA and from there he began paying alimony and is trying to get into court to obtain a divorce. To Reach Todd Humes: thumes42@gmail.comSupportshow(https://www.buymeacoffee.com/maryannpetri)Maryann Petri: dismantlingfamilycourtcorruption.comhttps://www.tiktok.com/@maryannpetriFacebook:  https://www.youtube.com/@slamthegavelpodcasthostmar5536Instagram: https://www.instagram.com/guitarpeace/Pinterest: Slam The Gavel Podcast/@guitarpeaceLinkedIn: https://www.linkedin.com/in/maryann-petri-62a46b1ab/  YouTube:  https://www.youtube.com/@slamthegavelpodcasthostmar5536  Twitter https://x.com/PetriMaryannEzlegalsuit.com   https://ko-fi.com/maryannpetrihttps://www.zazzle.com/store/slam_the_gavel/about*DISCLAIMER* The use of this information is at the viewer/user's own risk. For information only and no affiliation with legislation, bills or laws. Not financial, medical nor legal advice as the content on this podcast does not constitute legal, financial, medical or any other professional advice. Viewer/user's should consult with the relevant professionals. Reproduction, distribution, performing, publicly displaying and making a derivative of the work is explicitly prohibited without permission from content creator. Podcast is protected by owner. The content creator maintains the exclusive right and any unauthorized copyright.Support the showSupportshow(https://www.buymeacoffee.com/maryannpetri)http://www.dismantlingfamilycourtcorruption.com/

In this deeply human episode, Dr. Mark Bonta sits down with cardiac surgeon, scientist, and writer Dr. Paul Fedak for an honest look at the hidden cost of excellence in medicine. Dr. Fedak shares the story of the injury that forced him out of the operating room and into a profound reckoning with identity, purpose, and the culture of silence that surrounds clinician suffering.Drawing from years as Professor at the University of Calgary and Director of the Libin Cardiovascular Institute, he unpacks why perfectionism is so common in medical training, how surgeons learn to mask pain behind composure, and why emotional detachment has long been mistaken for professionalism. Together they explore the unseen burden clinicians carry, the pressure to perform without pause, and the moments when the mask finally cracks.Dr. Fedak speaks candidly about ego death, vulnerability, and rebuilding a life after losing the work that once defined him. He describes the colleagues who opened up only after he shared his own story, highlighting how connection and honesty can transform a profession built on quiet endurance.This episode examines the human side of medicine that rarely makes it into textbooks. Identity. Injury. Recovery. Presence. What it means to care for others while trying to stay whole yourself.A moving conversation for anyone in healthcare or anyone who has ever struggled with the weight of impossible expectations.Paul Fedak, MD, PhD's website : paulfedak.comEpisode Takeaways1. Surgeons are trained to push through pain, not acknowledge it.Medical culture rewards resilience and persistence, but that same conditioning prevents clinicians from recognizing and responding to their own injuries.2. Perfectionism is wired into medical training.Traits like list making, obsessive task completion, and performance under observation are common in medicine and often go unexamined despite their psychological cost.3. The mask of competence becomes automatic.Clinicians become so skilled at hiding distress that even close colleagues fail to notice warning signs. This silence leaves suffering invisible.4. Vulnerability creates connection and protects lives.When Dr. Fedak shared his story, dozens of peers came forward with their own hidden experiences. Openness is not weakness. It is safety.5. Ergonomic injuries in surgery are far more common than most people realize.The physical demands of operating are intense, yet surgeons lack the protections that other healthcare workers receive.6. Leadership shows the true burden physicians carry.Once in leadership roles, clinicians see the depth of burnout, fear, and quiet endurance happening behind the scenes.7. Losing the identity of “surgeon” creates an existential crisis.Stepping out of the operating room forced a complete reevaluation of purpose, ego, and self worth.8. Technical excellence is not the full measure of a doctor.Relational skill, empathy, presence, and human connection matter just as much as procedural skill.9. Medicine needs protected space for reflection.Without pause and presence, clinicians lose touch with themselves and the people they care for. Healing requires time, community, and grounding.10. System structures shape clinician wellbeing.The fee for service model rewards quantity over recovery, creating pressures that make self care feel impossible.11. Paying clinicians to care for themselves could change outcomes.If mental health visits, ergonomic care, and recovery time were compensated, more clinicians would seek help early.Episode Timestamps07:10 How one surgeon's work related injury forced a career pivot and a deeper conversation about wellbeing.08:25 The secret stories colleagues shared only after Paul opened up about his own suffering.10:30 Independent contractor status and why doctors lack the ergonomic protections nurses receive.13:00 The unseen emotional toll behind surgical careers and what leadership reveals about clinician suffering.16:00 Training teaches perseverance, but injury demands honesty. The conflict surgeons are never taught to navigate.17:28 Medical trainees and perfectionism. Why obsessive traits are six times more common in medicine.19:10 When the mask becomes permanent. How clinicians hide distress even from each other.20:00 Two tragic losses and the lessons Paul learned about checking in with colleagues.22:00 Vulnerability as leadership. Why sharing your story opens the door for others to heal.28:57 Did speaking out come with professional risks. What changed when Paul stopped protecting his own ego.31:55 Losing the identity of “surgeon.” The ego death that followed leaving the operating room.33:40 Beyond technical mastery. Why excellence must include human connection, empathy, and presence.34:46 How medicine can “create space” for reflection, grounding, and real conversations.37:50 The hidden financial pressures behind surgical work and how billing shapes clinician behavior.DISCLAMER >>>>>>    The Ditch Lab Coat podcast serves solely for general informational purposes and does not serve as a substitute for professional medical services such as medicine or nursing. It does not establish a doctor/patient relationship, and the use of information from the podcast or linked materials is at the user's own risk. The content does not aim to replace professional medical advice, diagnosis, or treatment, and users should promptly seek guidance from healthcare professionals for any medical conditions.   >>>>>> The expressed opinions belong solely to the hosts and guests, and they do not necessarily reflect the views or opinions of the Hospitals, Clinics, Universities, or any other organization associated with the host or guests.    Disclosures: Ditch The Lab Coat podcast is produced by (Podkind.co) and is independent of Dr. Bonta's teaching and research roles at McMaster University, Temerty Faculty of Medicine and Queens University. 

Tires. Drone deliveries. Sign language. A woman traveling with her service dog complained on social media about being accused of her dog using the restroom on the floor. Having to pay $150 for your Thanksgiving plate if you don't attend the event. See omnystudio.com/listener for privacy information.

Tires. Drone deliveries. Sign language. A woman traveling with her service dog complained on social media about being accused of her dog using the restroom on the floor. Having to pay $150 for your Thanksgiving plate if you don't attend the event. 

Kiffin signed a 7-year, $91 million deal with LSU which will average him about $13 million per year with the Tigers---and it was confirmed yesterday that he will also be paid up to $1million by LSU for Ole Miss' potential playoff success this season Also, James Madison's Bob Chesney is headed to UCLA on a 5-year contract…can he be Cignetti 2.0 with the Bruins?  Show Sponsored by SANDHILLS GLOBALOur Sponsors:* Check out Hims: https://hims.com/EARLYBREAK* Check out Infinite Epigenetics: https://infiniteepigenetics.com/EARLYBREAK* Check out Uncommon Goods: https://uncommongoods.com/EARLYBREAK* Check out Washington Red Raspberries: https://redrazz.orgAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

On the Tuesday December 2nd edition of Georgia Today: Fulton County taxpayers could end up paying President Donald Trump's legal fees; Atlanta public school enrollment continues to decline; And a panel of lawmakers pushes for need-based college scholarships, saying current options don't get the job done.

Hey Pickles!Welcome back! Here's what's coming up in today's show!In this week's Y Files, we'll tell why many are upset by what a teacher fed to a pet snake in her classroom.In our Noteworthy segment, the drama surrounding the recent sale of Miyokos Creamery continues. We'll tell you what we know so far.And, in Our Main Topic, many vegans are responding to a Reddit post. The original poster claims that they were paid by the meat industry to troll vegan social media groups.Here's the link to the Natale Fulton video on the subject: https://www.youtube.com/watch?v=VozcTijia4cOur featured vegan spot this week is Pulse Cafe in Hadley Massachusetts!Here's their menu: https://www.pulsecafe.com/menusWe also have a new Listener Shout Out & tell you how you can enter in this years Shout Out Giveaway contest!Thank you so much for listening to the show.Much love, Sam & ChristineSend us a text! We can't respond, but we'd love to hear from you!Support the showJoin Our Patreon https://www.patreon.com/CompassionandcucumbersSign Up For Our Newsletterhttps://www.compassionandcucumbers.comOur YouTube https://www.youtube.com/@compassioncucumbersveganpod/videos72 Reasons To Be Vegan *paid link https://amzn.to/3W8ZwsUVisit Our Website https://www.compassionandcucumbers.comSam's Etsy https://www.etsy.com/shop/CucumberCraftworks

Note: This episode originally ran on October 1, 2024. If you'd like to support WWF for Giving Tuesday, visit wwf.help/tuesday.  Global food production is a key driver behind both climate change and the loss of species and ecosystems. In fact, it's responsible for roughly one-third of global greenhouse gas emissions and over two-thirds of global habitat and biodiversity losses. That's because unsustainable food production too often lead to the destruction of forests, grasslands, and other ecosystems in order to produce more food. So how do we create a more sustainable food system? Joining the show today is Dr. Jason Clay, Executive Director of WWF's Markets Institute. Jason has decades of experience working with companies to find innovative ways to make their supply chains more sustainable, and today he'll be explaining his latest initiative: Codex Planetarius. In short, Codex Planetarius aims to establish global environmental standards to limit the harm caused by the production of globally traded food. The idea draws inspiration from Codex Alimentarius, the international code of health and safety standards for food established in the mid-20th century. It makes sense: If the world can adopt standards to protect human health and safety, why can't we do the same for the health and safety of the planet? In this interview, Jason explains how his career journey evolved from human rights to conservation (with help from the Grateful Dead and Ben & Jerry's along the way), and how Codex Planetarius could establish new global norms for food production that help us feed the world without destroying it.  Links for More Info: Jason Clay bio Codex Planetarius homepage WEB STORY: Codex Planetarius: Increasing Global Food Sustainability and Resilience Chapters: 0:00 Programming note 1:22 Intro 3:10 Jason's background 5:14 Working with the Grateful Dead and Ben & Jerry's to save the rainforest 10:14 How the global food trade works 16:17 Codex Planetarius: global standards for sustainable food production 25:09 Paying for Codex Planetarius 30:57 How to implement the plan 41:52 Outro    

A 70 year old American woman — died alone in a Montana hospital Susie Silvestri put her home up for sale so she could afford to come to a private, unregulated health centre in Moose Jaw. She eventually was forced to flee Canada after falling through gaps in Saskatchewan's health care system. The CBC's investigative reporter Geoff Leo shares Susie's story.

Paying respects to lost family should be a peaceful, reflective, moment. In the case of the Cooler Version it ends up being a trap set for others that they simply happened their way into. They must fight their way through golems left in waiting for centuries and more if they want any answers. And will those answers condemn or condone the ancient mage no one can remember? Music in this episode is: "Suonatore di Liuto" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Elven Ambience" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "The Decsent" by Kevin MacLeod, Licensed under Creative Commons: By Attribution 4.0 License, Incompetech; "Netherlight" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Melancholic Violins" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Twilight" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios; "Saudade" by Tyler and Noah Rich, Licensed under Creative Commons: By Attribution 4.0 License, Monumental Studios;     Sound Effects by Epidemic Sound, Mixkit and Pixabay

Join Jonesy & Amanda for an EXCLUSIVE (unaired) episode!See omnystudio.com/listener for privacy information.

Well-known architect and TV presenter Hugh Wallace has died suddenly at the age of 68. Paying tribute to Hugh was close friend Diarmuid Gavin.

In this episode, Jamie Shilanski pulls back the curtain on hiring in financial advisory firms. Diving headfirst into the talent pool, Jamie reveals why cookie-cutter recruiting doesn't cut it anymore. She challenges listeners to flip the script on traditional hiring methods, advocating for out-of-the-box strategies that can unearth hidden gems in unexpected places. But it's not just about getting top talent through the door – it's about keeping them from walking out. Transparency takes center stage as Jamie makes a compelling case for open compensation talks. She argues that laying all the cards on the table isn't just fair play; it's a great plan for building unshakeable trust with your team. Encore Episode: What Are We Paying Employees?   Resources in today's episode:   - Learn More about our Coaching Programs

In today's Five Question Friday (FQF) video, we look at these five topics:1. 10% yield on bonds2. Where to hold bonds3. Co-signing a mortgage4. Paying taxes on a Roth conversion5. Asset allocation of real estate investmentsBonus: Cost of long-term care calculatorResources:https://www.carescout.com/cost-of-careJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

211 | Alleviating Stress & Overfunctioning with Lisa Pinnock {fullvoicemusic.com} ⭐ Find links mentioned in this episode here: https://www.fullvoicemusic.com/podcast/211/ ⭐ On episode 211 of The FULL VOICE Podcast, Nikki welcomes Lisa Pinnock—music educator, choir director, studio owner, and life coach with over 30 years of experience helping people find their voice. Together, Nikki and Lisa discuss the growing issue of teacher burnout, how overfunctioning shows up in our work, and why intentional pauses can be a powerful reset for creativity, balance, and authenticity. A warm, supportive conversation filled with practical insights and gentle reminders that caring for yourself is part of caring for your students.

Today, US consumers give thanks by spending money—cutting savings rates to buy things they don't need. Retailers will discount prices, but those discounts may be tempered as retailers also strive to pass on cost increases, or to increase profit margins under the tariff narrative and pretend it is all about cost increases.

One of the oldest and most recognizable studios in Hollywood, Warner Bros. is considered a juggernaut of the entertainment industry. Since its formation in the early twentieth century, the studio has been a constant presence in cinema history, responsible for the creation of acclaimed films, blockbuster brands, and iconic superstars. In The Warner Brothers (UP of Kentucky, 2023), Chris Yogerst follows the siblings from their family's humble origins in Poland, through their young adulthood in the American Midwest, to the height of fame and fortune in Hollywood. With unwavering resolve, the brothers soldiered on against the backdrop of an America reeling from the aftereffects of domestic and global conflict. The Great Depression would not sink the brothers, who churned out competitive films that engaged audiences and kept their operations afloat―and even expanding. During World War II, they used their platform to push beyond the limits of the Production Code and create important films about real-world issues, openly criticizing radicalism and the evils of the Nazi regime. At every major cultural turning point in their lifetime, the Warners held a front-row seat. These days, the studio is best known as a media conglomerate with a broad range of intellectual property, spanning movies, TV shows, and streaming content. Despite popular interest in the origins of this empire, the core of the Warner Bros. saga cannot be found in its commercial successes. It is the story of four brothers―Harry, Albert, Sam, and Jack―whose vision for Hollywood helped shape the world of entertainment as we know it. Paying close attention to the brothers' identities as cultural and economic outsiders, Yogerst chronicles how the Warners built a global filmmaking powerhouse. Equal parts family history and cinematic journey, The Warner Brothers is an empowering story of the American dream and the legacy four brothers left behind for generations of filmmakers and film lovers to come. Chris Yogerst is the author of Hollywood Hates Hitler! Jew-Baiting, Anti-Nazism, and the Senate Investigation into Warmongering in Motion Pictures and From the Headlines to Hollywood: The Birth and Boom of Warner Bros. He appeared on the New Books Network to discuss the book in 2020. His work has appeared in the Washington Post, Los Angeles Review of Books, Journal of American Culture, Historical Journal of Film, Radio, and Television, and the Hollywood Reporter. He currently serves as an associate professor of communication in the Department of Arts and Humanities at the University of Wisconsin–Milwaukee. Joel Tscherne is an Adjunct History Professor at Southern New Hampshire University and an Associate Faculty member at University of Arizona Global Campus. His Twitter handle is @JoelTscherne. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

“One of their relatives may redeem them: An uncle or a cousin or any blood relative in their clan may redeem them.” — Leviticus 25:48-49 A friend asked, “Why can't God just forgive our sins without the cross?” Why did Jesus have to suffer and give up his life for us? The answer is in today's reading. When a family's crop failed for years in a row, they might have to sell property, or even a family member, to satisfy debts that could pile up (Leviticus 25:23-55). Fortunately God's law allowed other family members to pay off their debts, releasing them from their obligations.These laws show how we can owe a debt that we cannot repay. If someone hurts me, either I will try to make them pay by inflicting harm on them, or else I will pay by absorbing the cost. Likewise, when we violate God's law, we create a debt that someone must pay, and either we or God will have to pay it. Jesus explains this in Mark 10:45 when he says, “The Son of Man did not come to be served, but to serve, and to give his life as a ransom for many.” Jesus not only pays our ransom; he becomes the ransom. His suffering and death are the payment for our debt!This means we are now free! Years ago, a young family was buried under crippling debt—medical bills, unexpected car repairs, a mortgage, and student loans. When a charitable organization paid off their debt, their entire present and future changed! In comparison, Jesus has done so much more—saving all who believe in him to live with him forever! Lord Jesus, we are eternally thankful for all you have done for us. May we live faithfully in the freedom you have won for us. Amen.

One of the oldest and most recognizable studios in Hollywood, Warner Bros. is considered a juggernaut of the entertainment industry. Since its formation in the early twentieth century, the studio has been a constant presence in cinema history, responsible for the creation of acclaimed films, blockbuster brands, and iconic superstars. In The Warner Brothers (UP of Kentucky, 2023), Chris Yogerst follows the siblings from their family's humble origins in Poland, through their young adulthood in the American Midwest, to the height of fame and fortune in Hollywood. With unwavering resolve, the brothers soldiered on against the backdrop of an America reeling from the aftereffects of domestic and global conflict. The Great Depression would not sink the brothers, who churned out competitive films that engaged audiences and kept their operations afloat―and even expanding. During World War II, they used their platform to push beyond the limits of the Production Code and create important films about real-world issues, openly criticizing radicalism and the evils of the Nazi regime. At every major cultural turning point in their lifetime, the Warners held a front-row seat. These days, the studio is best known as a media conglomerate with a broad range of intellectual property, spanning movies, TV shows, and streaming content. Despite popular interest in the origins of this empire, the core of the Warner Bros. saga cannot be found in its commercial successes. It is the story of four brothers―Harry, Albert, Sam, and Jack―whose vision for Hollywood helped shape the world of entertainment as we know it. Paying close attention to the brothers' identities as cultural and economic outsiders, Yogerst chronicles how the Warners built a global filmmaking powerhouse. Equal parts family history and cinematic journey, The Warner Brothers is an empowering story of the American dream and the legacy four brothers left behind for generations of filmmakers and film lovers to come. Chris Yogerst is the author of Hollywood Hates Hitler! Jew-Baiting, Anti-Nazism, and the Senate Investigation into Warmongering in Motion Pictures and From the Headlines to Hollywood: The Birth and Boom of Warner Bros. He appeared on the New Books Network to discuss the book in 2020. His work has appeared in the Washington Post, Los Angeles Review of Books, Journal of American Culture, Historical Journal of Film, Radio, and Television, and the Hollywood Reporter. He currently serves as an associate professor of communication in the Department of Arts and Humanities at the University of Wisconsin–Milwaukee. Joel Tscherne is an Adjunct History Professor at Southern New Hampshire University and an Associate Faculty member at University of Arizona Global Campus. His Twitter handle is @JoelTscherne. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/performing-arts

One of the oldest and most recognizable studios in Hollywood, Warner Bros. is considered a juggernaut of the entertainment industry. Since its formation in the early twentieth century, the studio has been a constant presence in cinema history, responsible for the creation of acclaimed films, blockbuster brands, and iconic superstars. In The Warner Brothers (UP of Kentucky, 2023), Chris Yogerst follows the siblings from their family's humble origins in Poland, through their young adulthood in the American Midwest, to the height of fame and fortune in Hollywood. With unwavering resolve, the brothers soldiered on against the backdrop of an America reeling from the aftereffects of domestic and global conflict. The Great Depression would not sink the brothers, who churned out competitive films that engaged audiences and kept their operations afloat―and even expanding. During World War II, they used their platform to push beyond the limits of the Production Code and create important films about real-world issues, openly criticizing radicalism and the evils of the Nazi regime. At every major cultural turning point in their lifetime, the Warners held a front-row seat. These days, the studio is best known as a media conglomerate with a broad range of intellectual property, spanning movies, TV shows, and streaming content. Despite popular interest in the origins of this empire, the core of the Warner Bros. saga cannot be found in its commercial successes. It is the story of four brothers―Harry, Albert, Sam, and Jack―whose vision for Hollywood helped shape the world of entertainment as we know it. Paying close attention to the brothers' identities as cultural and economic outsiders, Yogerst chronicles how the Warners built a global filmmaking powerhouse. Equal parts family history and cinematic journey, The Warner Brothers is an empowering story of the American dream and the legacy four brothers left behind for generations of filmmakers and film lovers to come. Chris Yogerst is the author of Hollywood Hates Hitler! Jew-Baiting, Anti-Nazism, and the Senate Investigation into Warmongering in Motion Pictures and From the Headlines to Hollywood: The Birth and Boom of Warner Bros. He appeared on the New Books Network to discuss the book in 2020. His work has appeared in the Washington Post, Los Angeles Review of Books, Journal of American Culture, Historical Journal of Film, Radio, and Television, and the Hollywood Reporter. He currently serves as an associate professor of communication in the Department of Arts and Humanities at the University of Wisconsin–Milwaukee. Joel Tscherne is an Adjunct History Professor at Southern New Hampshire University and an Associate Faculty member at University of Arizona Global Campus. His Twitter handle is @JoelTscherne. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/biography

In today's episode, Dr. Dahle takes listeners on a journey through the past and future of the White Coat Investor, sharing how it all began and how it has grown into what it is today. He gives an inside look at the brand-new WCI website, which is more beautiful, modern, and easier to navigate than ever. Jim also opens up about new business ventures, personal reflections, lessons learned, and how he'll know when it's time to step back. It's a rare behind-the-curtain conversation that helps you get to know him and the mission of WCI on a deeper level. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #447 03:26 WCI Has a New Website! 05:26 The Past and Future of WCI

You're making sales, but your bank account says otherwise. In this episode, I talk about why revenue feels like a lie when profit is missing, and the strategies you can use this quarter to get money back in your bank. I share a story of one of my students who has a million dollar business that was barely paying her, and the exact steps she took to turn it around. I also break down how to spot money leaks, what belongs in your true cost of goods, and how to separate your value as a CEO from the labor cost that goes into each product. Get ready to clean up your margins, pay yourself, and reinvest with confidence.In This Episode, You'll Learn:00:00 Why seeing sales but not money in the bank is happening to so many makers.04:00 Where most money leaks start in product businesses.08:00 How to price so the product can actually bear its costs.12:30 What to do when your market doesn't match your price.15:00 Why selling in the “easy” places might be sabotaging profit long term.19:00 Math trick to price for wholesale and retail.21:30 How do you increase average order value?23:30 Why a free shipping threshold beats sitewide free shipping for most businesses.25:45 The 10-week plan to lower costs and pay yourself.Resources + LinksBook a FREE STRATEGY SESSION with our team HEREThe wait is over! Enrollment for The Product Boss Sales Accelerator is now open. This is the program where product-based business owners just like you learn how to grow sales, expand into new channels, and build profitable businesses, without piecing it all together alone. Enrollment won't be open for long, so grab your spot before doors close. Sign up here. Get business tips sent right to your inbox - join the newsletter!Watch on YouTubeFollowJacqueline on IG: @theproductbosstheproductboss.com

In this class, I talk about the “rent” we pay in life—not the rent for a house, but the cost of the lifestyle we choose. I break down how this idea hit me after seeing a $340 Whole Foods trip show up on my account while I was also looking at housing prices in South Florida. It made me think about what level you want to live at and what that level actually demands from you. I speak mainly to men and heads of households, but this message applies to everyone. This is about choosing your lifestyle and understanding the real price that comes with it. Show Notes: [02:41]#1 Bigger life, bigger status equals bigger bills.  [08:22]#2 Paying bigger bills requires longer and more important work. [14:57]#3 Establish yourself at a certain level for paying a certain amount of rent.  [19:53] Recap Episodes Mentioned: 2248: How Top Performers Use Pressure 2705: Why You Need Pressure, Anxiety & Stress In Your Life Next Steps: ⚡️ Power Presence Protocol  Command The Room Without Words → http://PowerPresenceProtocol.com 

This episode is sponsored by Troy Roofing Inc. LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ In this Dropping Bombs episode, second-generation roofer and multi-million-dollar owner Troy Musulman reveals how blue-collar grit scales real companies. He exposes industry roll-ups, margins, and consumer traps, explaining how he escaped a wage ceiling and dominated the tear-off roofing niche. Troy also reveals why most "lifetime" warranties are actually just marketing.   Action takeaways: pricing with discipline, strategic material sourcing, documenting installs, and unifying with solid operators to increase EBITDA and exit options. Learn how to evaluate offers, avoid slow-pay partnerships, and the simple phrase that saves thousands. Whether you own a home, run a crew, or just hate getting hustled, this episode shows how to keep more money—and more leverage—on your side.

Have you ever wondered what life would look like if you designed your days around freedom instead of work? What would change if you could travel for months at a time, pick projects you actually enjoy, and still watch your net worth climb into the millions? Today you'll hear how Lauren and Stephen Keys, creators of Trip of a Lifestyle, built a million dollar net worth in their early thirties and used it to create a flexible, travel-filled life. They didn't wait for traditional retirement at 65. They didn't burn out on the way to FIRE. Instead, they created a lifestyle where they work less, live more, and let their money do the heavy lifting. This conversation originally aired last year and quickly became one of our most-watched interviews, so it felt like the perfect Best of MKM feature for this holiday week. Lauren and Stephen share how they avoided lifestyle creep, traveled the world cheaply, took mini retirements, paid off two homes, and built more confidence with each dollar saved. If you're dreaming of more time freedom, this story will show you what's possible. CHAPTERS

Send us a textWhat if you could buy a computer, a machine, or new equipment and deduct the entire cost in the first year instead of waiting 5, 10, or even 30 years? Thanks to major updates in the One Big Beautiful Bill, you can now take a full write-off upfront.We break down how depreciation works, when to expense versus capitalize, and how the updated bonus depreciation and Section 179 rules give owners more control over their tax bill.You'll learn how to time asset purchases, when to avoid front-loading deductions, and why every business needs a written capitalization policy.

Fix Your Fantasy League's Biggest Problems with These Simple Strategies! Conflict Resolution, Collusion Prevention & Protecting League Integrity. Welcome to Episode 3 of the Footballguys Home League Show—your weekly guide to building fun, competitive, and connected fantasy football home leagues. Hosted by Kevin Murray (author of The Commissioner's Playbook) and Joey Wright (Footballguys Community Ambassador), this episode dives into one of the most important—and often overlooked—parts of running a successful league: conflict resolution, transparency, and league integrity. Fantasy football is full of highs, lows, big trades, heated chats, and unavoidable disagreements. Great leagues aren't the ones that avoid conflict—they're the ones that manage conflict well. Today, Kevin and Joey break down how commissioners and league members can protect fairness, reduce drama, avoid collusion, and strengthen trust all season long. League of the Week: The BPFL This week we spotlight the BPFL, commissioned by Billy Michalski. What started as a softball team's offseason hobby has evolved into a creative, high-engagement fantasy empire filled with traditions, identity, and league-wide pride. Highlights from BPFL: • 14-team, two-division format • Empire pot keeping long-term stakes high • Legendary draft days with full production value • Draft-order determination contests • Custom website using League Legacy • An emphasis on culture, transparency, collaboration, and connection The BPFL is a shining example of what great commissioners build: leagues with personality, pride, and long-lasting tradition. Learn more about League Legacy Websites: LeagueLegacyWebsites.com To submit your league for consideration: FBGCommish@Footballguys.com Commish Corner: Engagement in the Season of Apathy Right now is the stretch of the season where excitement peaks for some managers… and fades for others. Kevin and Joey share quick ways to re-ignite your league: • Drop memes, GIFs, and hype videos • Stir up storylines and rivalries • Create a "state of the league" update • Spotlight manager achievements • Spark discussion in the group chat Small touches often make the biggest cultural impact. Home League Huddle (Main Topic): Conflict Resolution & League Integrity Conflict is inevitable in fantasy football—trades, collusion suspicions, tanking concerns, commissioner decisions, and playoff implications all create friction. But great leagues use that friction to build stronger culture. In this episode, Kevin and Joey break down: • Why conflict management matters • How trust affects every league decision • Common sources of conflict • Preventing disputes before they start • Fair and transparent trade-review systems • Collusion-proofing your league • When (and when not) to intervene as commissioner • The "best interest of the league" clause • Healthy communication habits that sustain culture Kevin also shares an unforgettable real-life story—The Great Publix Trade Approval of 2013—and explains how a single misstep led him to create a formal league constitution. This episode shows why conflict doesn't have to break a league. When handled correctly, it builds connection, trust, and long-term stability. Last Place Lounge This week we review and rate four last-place punishments: • Street-corner costume sign • Paying next year's champion's dues • Recording a video apology • Losing a future draft pick Send in your league's punishments for a chance to be featured! Commish Hotline & Mailbag Have a question, conflict, story, dilemma, or hilarious league moment? Email us at FBGCommish@Footballguys.com and your submission may appear in a future episode. The Culture of Fantasy Kevin and Joey close with a reflection on how leagues grow through communication, trust, connection, and shared traditions. Next Week: How to keep your league engaged through the playoffs + creative playoff formats! Commissioner's Call to Action: Catch up on our earlier episodes, share a story with us, and take one action this week to spark engagement in your league. This is The Home League Show—your guide to building better leagues, stronger communities, and the most memorable fantasy football experience possible. Links & Resources: Footballguys Website https://www.footballguys.com The Commissioner's Playbook (by Kevin Murray) https://amzn.to/4nT7AvC The Audible https://www.footballguys.com/podcasts/show/theaudible The FBG Fantasy Football Show https://www.footballguys.com/podcasts/show/fbgffshow The FBG Dynasty Show https://www.footballguys.com/podcasts/show/dynastyshow

What if you could build wealth through real estate… without paying taxes along the way? In this episode, Michael Blank welcomes Louis Rogers, founder of Capital Square and pioneer of the tenants-in-common model still widely referenced today. Lewis breaks down the simplicity of 1031 exchanges, why DSTs have replaced TICs, and how investors can eventually move into a REIT structure to enjoy completely passive investing — while still deferring taxes. If you want to learn how the wealthy use the tax code to accelerate their net worth, this episode is a must-listen.Key Takeaways: 1031 exchanges are simpler than most people think — and typically cost about $1,000 using a qualified intermediary. The old tenants-in-common (TIC) structure is obsolete — DSTs are now the preferred option for 1031 investors. Investors can move from active ownership → DSTs → UPREIT, getting more passive over time. Tax deferral can continue for life — with a step-up in basis eliminating capital gains upon inheritance. The U.S. tax code is uniquely favorable to real estate — wealthy families use it strategically. Paying taxes is a choice: learn the rules and keep more of your money working for you.Connect with MichaelFacebookInstagramYouTubeTikTokResourcesTheFreedomPodcast.com Access the #1 FREE Apartment Investing Course (Apartments 101)Schedule a Free Strategy Session with Michael's Team of AdvisorsExplore Michael's Mentoring ProgramJoin the Nighthawk Equity Investor ClubReview the Podcast on Apple PodcastsSyndicated Deal AnalyzerGet the Book, Financial Freedom with Real Estate Investing by Michael Blank For full episode show notes visit: https://themichaelblank.com/podcasts/session499/

There are many ways you can pay for your flight training, but what is best for you? In today's episode, we will dive into the many methods of funding your flight training with a few hacks you may never have thought of. Pay Cash Family and friends. https://www.nerdwallet.com/taxes/learn/gift-tax-rate Scholarships It is worth the work. If … Continue reading ACP439 Paying For Flight Training → The post ACP439 Paying For Flight Training appeared first on Aviation Careers Podcast.

SCOTUS just delivered a win for marriage equality. After nearly a decade of appeals, lawsuits, and national drama, the Supreme Court has officially declined to hear Kim Davis' case challenging gay marriage… leaving the original ruling in place and the former county clerk on the hook for hundreds of thousands of dollars. What does this mean for gay marriage going forward? We break it all down. This week's episode dives into the biggest religion-and-politics stories making headlines: SCOTUS rejects Kim Davis • Marriage equality remains intact  U.S. Catholic Bishops elect a far-right "culture warrior" to lead the conference Transgender Air Force veterans sue the military after losing retirement benefits HVAC tech sues employer for forcing him to work with women (Billy Graham Rule meltdown) Pastors running as Democrats in 2026 races The UK is building a 168-foot monument to "answered prayers" (and it's… actually cool?) Plus, this year's Holiday Survival Guide for atheists navigating religious family gatherings.