Podcasts about Philippines

Hour 3 for 6/17/26 Drew and herbalist Judson Carroll discuss the benefits of herbal remedies (2:07). Calls: herbal remedies in the Philippines (9:48), taking herbs since COVID (14:02), oil of oregano (28:54), Mullein flowers (31:30), Maria Treben (35:04), St. Hildegard of Bingen (38:49), liver toxicity (44:30), and hernia issues (48:39). Links: https://southernappalachianherbs.blogspot.com/ https://sophiainstitute.com/product/herbs-that-heal/

Richard Speck killed eight student nurses in a Chicago townhouse on July 13, 1966. He strangled five and stabbed three over the course of five hours. He used nautical knots from his time on Great Lakes cargo boats to bind them with bedsheets. And he lost count. Nine women were in that house. He killed eight. The ninth — Corazon Amurao, a twenty-three-year-old exchange nurse from the Philippines — rolled under a bunk bed and did not move for six hours.What made it possible wasn't luck. It was discipline. The ability to override every survival instinct screaming at you to run and instead become invisible. Corazon controlled her breathing, her heartbeat, her presence in a room full of death. And when it was over, she climbed onto a window ledge and screamed until someone heard her.Surviving Serial Killers tells the story of the woman under the bed — what she heard, what she saw when she came out, what she said in court, and the six decades of silence that followed.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RichardSpeck #CorazonAmurao #SurvivingSerialKillers #HistorysHiddenKillers #TrueCrime #TrueCrimePodcast #Chicago #NurseMurders #1966 #JusticeServed

In this episode of Core Anesthesia, Tanner and Cole sit down with CRNA Anthony to talk about his recent anesthesia mission trip to the Philippines. Anthony shares how he got involved, what it took to plan and organize the trip, and the challenges of providing anesthesia in a resource-limited setting. The conversation explores the importance of partnering with local communities, adapting to different clinical environments, and making a lasting impact beyond the operating room. Anthony also reflects on the personal and professional growth that came from the experience and offers encouragement for anyone considering medical mission work.Support the showTo access all of our content, download the CORE Anesthesia App available here on the App Store and here on Google Play. Want to connect? Check out our instagram or email us at info@coreanesthesia.com 

She testified in one of the most significant criminal trials in American history. She pointed at Richard Speck and said "This is the man." Then Corazon Amurao went home to the Philippines, married, had children, and turned down every interview, every book deal, and every media request for the rest of her life.On the night of July 13, 1966, Speck entered a Chicago townhouse and killed eight student nurses over five hours. Corazon survived by rolling under a bed and staying motionless until morning. She is reportedly alive, in her eighties, still private.This episode of Surviving Serial Killers starts with the women — their names, their plans, the weddings they were scheduling and the careers they were starting — before it tells you what happened to them. Because the world remembers Richard Speck. Corazon made sure the world would never forget her silence.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#CorazonAmurao #RichardSpeck #SurvivingSerialKillers #HistorysHiddenKillers #TrueCrime #Chicago #NurseMurders #TrueCrimePodcast #CrimeOfTheCentury #JusticeServed

Today on Beyond the Torch, Todd & Leslie are joined by guest co-host, Scott Ransome, a UK-based Survivor superfan who won a charity eBay bid to co-host and interview a guest and he picked today's guest, Abi-Maria Gomez, the iconic Brazilian-American villain from Survivor: Philippines and Survivor: Cambodia — Second Chances! The conversation covers Abi's unexpected journey to being cast on Survivor (including nearly appearing on Tocantins but being rejected for "not looking Brazilian enough"), her experience playing with a torn ACL throughout Philippines, reflections on being edited as a villain, her views on race and immigrant identity, her complicated relationship with former alliance partner RC, her admiration for Denise Stapley, and candid discussions about Survivor 50 casting disappointments, reality TV opportunities like The Traitors, and fond memories of Survivor legends like Courtney Yates, Amanda Kimmel, and James Clement.Our new Website is live! Check it out at: www.realityaftershow.comJoin our Patreon at RealityPatron.comIf you would like a cameo from Jonny Fairplay order one now! cameo.com/jonnyfairplayCheck us out on Tiktok @fairplaytokBecome a supporter of this podcast: https://www.spreaker.com/podcast/reality-after-show--5448874/support.

This week Seth Paridon, Jon Parshall and their buddy, John McManus, talk about the initial Japanese landings on Luzon in December 1941. The guys get into the very real panic that was in Manila following the debacle at Clark Field and how the citizenry reacted to the news that the Japanese were indeed going to invade. The landings at Aparri, Legaspi and Vigan are discussed as are the main Japanese landings at Lingayen Gulf and MacArthur's response to those landings and the actions that follow. The early actions of the 26th Cavalry as well as Wainwright and others are discussed as we continue the set-up for the disaster that is soon coming on Bataan. #wwiihistory #ww2 #usnavy #usa #usarmy #medalofhonor #enterprise #aircraft #aircraftcarrier #cv6 #midway #wwii #wwiihistory #ww2 #worldwar2 #usnavy #usnavyseals #usmc #usmarines #saipan #usa #usarmy #aircraft #aircraftcarrier #battleship #battleships #ussenterprise #aircraftcarriers #museum #essex #halsey #taskforce38 #wwii #wwiihistory #ww2 #usnavy #usa #usarmy #medalofhonor #enterprise #aircraft #aircraftcarrier #cv6 #midway #wwii #wwiihistory #ww2 #worldwar2 #usnavy #usnavyseals #usmc #usmarines #saipan #usa #usarmy #aircraft #aircraftcarrier #battleship #battleships #ussenterprise #aircraftcarriers #museum #hollywood #movie #movies #books #mastersoftheair #8thairforce #mightyeighth #100thbombgroup #bloodyhundredth #b17 #boeing #airforce wwii #wwiihistory #ww2 #usnavy #usa #usarmy #medalofhonor #enterprise #aircraft #aircraftcarrier #cv6 #midway #wwii #wwiihistory #ww2 #worldwar2 #usnavy #usnavyseals #usmc #usmarines #saipan #usa #usarmy #aircraft #aircraftcarrier #battleship #battleships #ussenterprise #aircraftcarriers #museum #hollywood #movie #movies #books #oldbreed #1stMarineDivision #thepacific #Peleliu #army #marines #marinecorps #worldwar2 #worldwar #worldwarii #leytegulf #battleofleytegulf #rodserling #twilightzone #liberation #blacksheep #power #prisoner #prisonerofwar #typhoon #hurricane #weather #iwojima#bullhalsey #ace #p47 #p38 #fighter #fighterpilot #b29 #strategicstudying #tokyo #boeing #incendiary #usa #franklin #okinawa #yamato #kamikaze #Q&A #questions #questionsandanswers #history #jaws #atomicbomb #nuclear #nationalarchives #nara #johnford #hollywood #fdr #president #roosevelt #doolittle #doolittleraid #pearlharborattack #salvaged #medalofhonor #tarawa #malayalam #singapore #guadalcanal #china #burma #oil #marinecorps

Today's guest is, quite simply, one of the great travellers of our time. Sir Michael Palin first joined me on The Travel Diaries back in 2020, and that episode went on to become one of our most loved and most listened-to conversations ever. So when the opportunity came up for him to return to the podcast, this time to mark the publication of his new book, In Nigeria, I absolutely leapt at the chance.For anyone listening who might not be fully familiar with Sir Michael Palin's extraordinary career, he first became known as one of the members of Monty Python, before going on to become one of the world's most beloved travel broadcasters and writers. His landmark BBC travel series, from Around the World in 80 Days to Pole to Pole, Full Circle, Himalaya and so many more, completely changed the way travel was brought to our screens.I went to Michael's house in London to film the interview and you'll be able to watch the full conversation on YouTube and Spotify this weekend.On today's episode, we talk about some of the extraordinary journeys he's been on since we last spoke, from Nigeria to Iraq, Venezuela and the Philippines. We talk about the places that surprised him, the countries that defied their reputation, the journeys that have stayed with him, and the places he still dreams of visiting. And, because Michael has already shared his original seven travel chapters with us, this time I asked you to send in some brand new travel chapters for him. So listen out, because one of your questions might just be in there.Holly's stay:Palazzo Fiuggi, Italy Destination Recap:VenezuelaPhilippinesNigeria, NigeriaLagos, NigeriaKano, NigeriaPort Harcourt, NigeriaIraq, IraqBabylon, IraqCuzco, PeruMachu Picchu, PeruIguazu Falls, Argentina/BrazilVictoria Falls, Zambia/ZimbabweRussia, RussiaMürren, SwitzerlandKamchatka, RussiaBhutanNepalThe Dolomites, ItalyArmenia, ArmeniaGeorgia, GeorgiaMount Ararat, Turkey/ArmeniaMichael's new book, In Nigeria, is out now.With thanks to Sani for their support of today's episode. Discover your paradise at Sani. For more information, visit sani-resort.comThank you so much to all of you for listening this season. I really hope you've enjoyed travelling the world with me through all of these conversations. The good news is, it won't be too long before I'm back. We've got another summer season coming your way in mid-August, so there are lots more travel stories to come very soon.You can find me on Instagram and TikTok at @hollyrubenstein, you can watch us on YouTube here.And have you checked out my brand new Travel Diaries map, which will save every single destination ever mentioned on the podcast? A very dangerous tool for anyone with a serious case of wanderlust? You can look at it here.Thank you again for listening, have a wonderful summer, and I'll see you very soon. Hosted on Acast. See acast.com/privacy for more information.

Bansang Protestante, Muslim, at Atheist DUMADAMI KATOLIKO! Punto por Punto ng Catholic conversion at Simbahang Katoliko. Catholic Faith Defender pananampalataya.TEKA! ALAM MO BA?!

Trump praises the Iran deal, saying it blocks a nuclear weapon, but one Israeli leader calls it a catastrophe; NATO warns Russia is waging a shadow war; and Operation Blessing aids victims after a deadly earthquake in the Philippines.

Burnout isn't a productivity problem - It's an environment problem.If you're exhausted, stuck in a job you dread, and trying to build your escape plan with no energy left, moving abroad can create the space you need to recover, rebuild, and create a life you actually want.In this episode, we're covering:Why working "harder" is often the worst solution to burnoutThe story of Angela, who left LA for the Philippines and rebuilt her career from a place of recoveryHow a lower cost of living can buy you time, energy, and optionsWhen it makes sense to move abroad before fully building your businessHow to use savings strategically to recover from burnoutWhat to do if you don't have much money savedWhy having a clear relocation and business plan matters more than ever when resources are tightBurnout is often a sign that something fundamental needs to change. Sometimes the best path forward is leaving the environment that's keeping you stuck.Subscribe and ReviewIf you loved this episode, please take a moment to subscribe and leave a review on Apple Podcasts! Your support helps us reach more visionaries who need these insights.

Hi, I'm John Sorensen, President of Evangelism Explosion International, and you're listening to Share Life Today. I heard something from Rey Bechayda in the Philippines that was both convicting and encouraging. He said: “Jesus referred to us as witnesses, but we're not witnessing... We need to activate churches. And one lacking is equipping. And the ministry of Evangelism Explosion is here to equip you.” You know, I think a lot of Christians really do want to share their faith. They just don't know how to start. But it doesn't have to be complicated. One of the best things you can do is ask questions and really listen to people. Ask them about life, about struggles, about what they believe. And then, naturally, share what Jesus has done in your own life. Your story can be the bridge God uses for you to share the Gospel. If you need help getting started in sharing your faith, we have resources for you. For those and to find out more about how you can get involved with seeing the Gospel go to nations like the Philippines, visit our website at ShareLife.Today.

Aisha Francis has built a career as a performer, choreographer, teacher, and one of the dance industry's most respected heels educators. In this conversation, she shares the unexpected story of how she ended up helping Beyoncé learn to dance in heels, along with the lessons she's learned from decades of working in the industry. We discuss confidence as a trainable skill, the physical and psychological foundations of performance, what dancers often misunderstand about building a career, and why training with intention matters. Aisha also opens up about burnout, losing her love for dance, finding it again through teaching, and the realities of navigating a constantly changing industry. From unforgettable stories on stage to practical insights on artistry, professionalism, and longevity, this episode offers a candid look at what it takes to grow not only as a dancer, but as a performer and person. Follow Galit: Instagram - https://www.instagram.com/gogalit Website - https://www.gogalit.com/ Fit From Home - https://galit-s-school-0397.thinkific.com/courses/fit-from-home You can connect with Aisha on Instagram https://www.instagram.com/iamaishafrancis and through her website https://aishafrancis.com/ Listen to DanceSpeak on Apple Podcasts and Spotify.

Have you ever finished a book or television series and wished you could stay longer in that world? Fan fiction is a thriving art form, with millions of women writing and sharing their tributes to favourite stories, by taking famous characters and placing them in new situations. Datshiane Navanayagam meets women who take part and study this world. Dawn Walls-Thumma in the USA is a middle-grade teacher by day, and by night runs the Silmarillion Writers Guild, a community for fan fiction set in Tolkien's universe. This has led her to become a published Tolkien expert. Kristine Michelle Santos in the Philippines is an associate professor of Japanese and researches Boys Love, the biggest genre of fanfiction in Japan and South-East Asia, and now a multi-billion yen industry.Producer: Hannah Sander(Image: (L) Betty Barbara Nsachilwa, courtesy Betty Barbara Nsachilwa. (R) Sofia Eriksson, credit Hannah Lovell)

FOLLOW UP WITH ANDREWX: https://x.com/andrewjfarisEmail: podcast@ajfgrowth.comWork With AJF Growth: https://ajfgrowth.comMORE STAFFINGRecruit, onboard, and train incredible virtual professionals in the Philippines with my friends at More Staffing by visiting https://morestaffing.co/af.REFUNNELTrack every UGC post, secure usage rights, and unlock 1-click whitelisting so you can run partnership ads in seconds at https://refunnel.com/.

Why the Recruitment Model Is Broken (And What We're Doing About It)OverviewIn this season opener, George digs into a real conversation with a friend who's trying to hire an Amazon Operations Manager — and uses it to expose a fundamental flaw in how traditional recruitment is structured. The incentives are pointing in the wrong direction, and it's costing brands more than they realise.What We CoverThe Amazon Pyramid — George revisits the three-pillar framework: Operations → Brand & Conversion → Advertising. Why you can't skip the foundation, and why each layer depends on the one below it.The recruiter conversation — A specialist Philippines-based recruiter quotes $2,500–$3,000/month for an Operations Manager. George pushes back — and explains exactly why that number doesn't hold up.The incentive problem — Why even the most honest, specialist recruiter is structurally incentivised to place candidates at higher salaries. Nobody's being dishonest. The model just rewards the wrong outcome.The Pare difference — No margin on salary. No big upfront placement fee. Contracts and payroll handled. And crucially — candidates join a Wednesday community of senior Amazon professionals, so they keep getting better after day one.The agency experience, rebuilt — What agencies gave clients (knowledge density, peer learning, cross-account exposure) and how the Pare community model recreates it — but with everyone at the senior table.The question left open — Did his friend make the right call going direct? And should Pare expand beyond Amazon Ads Managers into Operations?Key TakeawayPaying fairly, vetting rigorously, and removing the upfront fee structure isn't just a nicer model — over a four-month horizon, it's a cheaper one too.Pare places senior Amazon Advertising Managers with DTC brands and agencies globally. Find out more at pare.soRESOURCESVault: Ai Cheater PlaybookMessage George.

Hi, I'm John Sorensen, President of Evangelism Explosion International, and you're listening to Share Life Today. I was talking with Rey Bechayda, the National Director of Evangelism Explosion in the Philippines, and he said something that really stuck with me. He said: “I believe God designed us and prepared us in such a time as this so that wherever we go, we bring the gospel with us and we will help fulfill the Great Commission wherever we go.” You know, that's really true. God has placed every one of us somewhere on purpose... in a neighborhood, a workplace, a school, a family. And one of the easiest ways to begin sharing your faith is simply to start praying each morning, “Lord, give me one opportunity today to talk about Jesus.” And then watch what God does. If you need help getting started in sharing your faith, we have resources for you. For those and to find out more about how you can get involved with seeing the Gospel go to nations like the Philippines, visit our website at ShareLife.Today.

Most people settle for being good, Lou Diamond Phillips shows how leaning into your true talent can turn you into unforgettable. From childhood plays in the Philippines to Hollywood stardom, he reveals the secret to giving yourself permission to dream big and embrace your unique path, even when the odds are stacked against you.In this episode, Lou shares the raw story behind his first play in sixth grade, how a military family shaped his resilience, and the moment his dad finally believed in his acting dream. Discover how a Texas theater scene launched his career before Hollywood called, and why choosing Dallas over Yale was the decision that changed everything for his path to fame.Maverick Podcast // Episode 175Lou Diamond Phillips:https://www.imdb.com/name/nm0001617Maverick Podcast:

The third bracket hits a home run when it comes to casting, but there are more than a few foul balls for this week's athletic themed design challenge. Kennedy Goddamn Davenport buckles but doesn't break, Joey Jay hits all of Ru's buttons, Jasmine follows the Jorgeous Rule, Shuga might be getting a pretzel at the mall, Sam has balls, and Hershii just can't stop wearing pants. Become a Matreon at the Sister Mary level to get full access to our AS11 episodes, plus The Comeback S3, The Traitors, brackets, movie reviews and past seasons of US Drag Race, UK, Canada, Down Under, Espana, Global All Stars, Philippines and more.Join us at our OnlyMarys level for our recaps of Season 4 & 5 of Drag Race plus even more movie reviews, brackets, and deep dives into our personal lives!Patreon: www.patreon.com/alrightmaryEmail: alrightmarypodcast@gmail.comInstagram: @alrightmarypodJohnny: @johnnyalso (Instagram)Colin: @colindrucker_ (Instagram)Web: www.alrightmary.com  

Jeremy Tan, independent candidate for Mountbatten SMC in Singapore's GE2025, joins Jeremy Au and Shiyan Koh to unpack why he ran, why he lost, and what he learned about Singapore's political meta. He explains why public scrutiny and small-town dynamics deter Singaporeans from entering politics, why negative campaigning backfires with voters, and why opposition parties should focus resources on winning single member constituencies. The conversation digs into Singapore's fertility crisis, with Jeremy arguing that housing affordability, not incentives, is the real bottleneck, alongside his policy ideas: ending primary school affiliation, building cheaper HDB flats, and compounding baby equity accounts tied to the STI. For founders, investors, and operators across Singapore, Indonesia, Vietnam, the Philippines, Thailand, and Malaysia, this episode offers a candid look at how AI driven layoffs, capital concentration, and rising costs are reshaping Southeast Asia's most developed economy, and what it takes to challenge an incumbent system from the outside. Watch, listen or read the full insight at https://www.bravesea.com/blog/jeremy-tan-singapore-politics  BRAVE is Southeast Asia's leading tech podcast, hosted by Jeremy Au. Honest conversations with the region's top founders, investors, and operators on building startups in Southeast Asia. New episodes every week. Subscribe so you never miss one. Listen & Subscribe YouTube (English), YouTube (Bahasa Indonesia), Spotify (English), Spotify (Bahasa Indonesia), Spotify (Chinese), Spotify (Vietnamese), Apple Podcasts Follow BRAVE LinkedIn, X (Twitter), Instagram, TikTok, WhatsApp Follow Jeremy Au LinkedIn, X / Twitter, Instagram, TikTok, Facebook, Threads, Twitch Resources Get transcripts, startup resources & community discussions at www.bravesea.com #Singapore #SingaporePolitics #GE2025 #HousingCrisis #FertilityRate #HDB #SoutheastAsia #TechPodcast #VentureCapital #AI 00:00 Highlights and introduction 01:24 Why Jeremy Tan ran as an independent in Mountbatten 04:20 Why Singaporeans don't run for office 07:40 AI, layoffs, and the decision to enter politics 11:49 The new political meta in Singapore 14:30 Criticism, pet policies, and running against a newcomer 17:40 Election night: predicting his own loss 25:50 What opposition parties got wrong in GE2025 29:21 Singapore's fertility crisis starts with housing 34:35 Primary school affiliation and education inequality 44:55 Three policy ideas: housing, schools, baby equity accounts 49:59 Capital, the sandwich generation, and what comes next 54:25 Closing reflections

1. Charlie Bird Wants a Child – https://thecougarchronicle.com/article/charlie-bird-surrogacy-why-children-need-a-mother 2. A new hour-long, gospel workshop video – https://www.abc4.com/news/religion/lds-church-ai-use-god-relationships/ 3. Andy Reid and America 250 – https://newsroom.churchofjesuschrist.org/article/tabernacle-choir-to-mark-us-250th-anniversary 4. Opinion: Moving from a deficit-oriented to a data-driven perspective on Latter-day Saints – https://www.deseret.com/opinion/2026/06/05/from-deficit-oriented-to-data-driven-latter-day-saint-public-discourse/ 5. Latter-day Saints continue to demonstrate uniquely high religiosity, according to a new BYU report – https://www.deseret.com/faith/2026/06/05/latter-day-saint-faith-retention-united-states/?shem=rimspwouoe 6. Does LDS culture tolerate members with doubts and questions? – https://www.sltrib.com/religion/2026/06/08/does-lds-culture-welcome-members/ 7. 12 Dad-approved gifts for Father's Day – https://www.ldsliving.com/12-dad-approved-gifts-for-fathers-day/s/13283 8. Ground Broken for Springfield Missouri and Missoula Montana Temples – https://newsroom.churchofjesuschrist.org/article/groundbreaking-held-for-the-missoula-montana-temple-and-the-springfield-missouri-temple 9. President Christofferson Dedicates the Yorba Linda California Temple – https://newsroom.churchofjesuschrist.org/article/president-christofferson-dedicates-yorba-linda-california-temple 10. President Uchtdorf Dedicates the Willamette Valley Oregon Temple – https://newsroom.churchofjesuschrist.org/article/president-uchtdorf-dedicates-the-willamette-valley-oregon-temple 11. Utah State University has received approval to sell land north of the USU Eastern campus in Price to The Church of Jesus Christ of Latter-day Saints – https://etvnews.com/articles/community/board-approves-usu-eastern-property-sale-to-lds-church-in-price/ 12. Church of Jesus Christ releases guide for new Sunday meeting schedule – https://www.deseret.com/faith/2026/06/11/church-of-jesus-christ-announces-guide-for-new-sunday-schedule/ 13. Remember that purported photo of LDS Church founder Joseph Smith? See who owns it now – https://www.sltrib.com/religion/2026/06/05/lds-church-acquires-photo-believed/ 14. LDS returned missionary just won two Tony Awards for his adaptation of Schmigadoon – https://www.deseret.com/entertainment/2026/06/10/cinco-paul-won-tony-awards-for-work-on-schmigadoon/ 15. Latter-day Saint convert and retired U.S. Marine gears up for 2026 Warrior Games – https://www.thechurchnews.com/members/2026/06/11/latter-day-saint-woman-marines-2026-warrior-games/ 16. How the Church of Jesus Christ of Latter-day Saints is helping Americans get Canadian citizenship – https://www.tahlequahdailypress.com/community/faith/how-the-church-of-jesus-christ-of-latter-day-saints-is-helping-americans-get-canadian/collection_41418ca2-833b-5d9a-9207-f5c9923158a0.html 17. Massive food donation by LDS church arrives in Tooele – https://www.tooeleonline.com/articles/news/massive-food-donation-by-lds-church-arrives-in-tooele/ 18. President Uchtdorf Unites Latter-day Saints in Central Europe – https://newsroom.churchofjesuschrist.org/article/president-uchtdorf-unites-latter-day-saints-in-central-europe 19. What the Church is doing to help after 7.8 magnitude earthquake in the Philippines – https://www.thechurchnews.com/living-faith/2026/06/11/church-lds-coordinate-mindanao-earthquake-humanitarian-relief-efforts/ 20. 115 years ago – Jun 9, 1911 – https://www.todayinmormonhistory.com/2026/06/115-years-ago-today-jun-9-1911.html 21. 185 years ago – Jun 4, 1841 – https://www.todayinmormonhistory.com/2026/06/185-years-ago-today-jun-4-1841.html

ITP - 148 follows Scott and Amanda as they share their international teaching journey from Dubai, Shanghai, the Philippines, Thailand, and Riyadh to their upcoming move to Jakarta. In this episode, they talk about meeting through OkCupid across continents, transitioning from teaching into school counseling, supporting student mental health in international schools, and what it is like to have a baby in Saudi Arabia while living overseas as educators.The conversation also explores raising a child as a third culture kid, navigating maternity and paternity leave abroad, international healthcare experiences, taxes and residency considerations for overseas teachers, and the realities of moving countries with pets, a newborn, and a teaching career. This episode is especially relevant for international teachers interested in counseling, family life abroad, overseas childbirth, and long-term expat living.-more information-The International Teacher Podcast is a bi-weekly discussion with experts in international education. New Teachers, burned out local teachers, local School Leaders, International school Leadership, current Overseas Teachers, and everyone interested in international schools can benefit from hearing stories and advice about living and teaching overseas.Additional Gems Related to Our Show:Greg's Favorite Video From Living Overseas - ⁠https://www.youtube.com/watch?v=UQWKBwzF-hw⁠Signup to be our guest  ⁠https://calendly.com/itpexpat/itp-interview?month=2025-01⁠Our Website⁠ -  ⁠https://www.itpexpat.com/⁠Our FaceBook Group - ⁠https://www.facebook.com/groups/itpexpat⁠⁠JPMint Consulting Website  - ⁠https://www.jpmintconsulting.com/⁠Hannah's Personal IG - https://www.instagram.com/thatexpatfamily?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==Greg's Personal YouTube Channel: ⁠https://www.youtube.com/playlist?list=PLs1B3Wc0wm6DR_99OS5SyzvuzENc-bBdO⁠Books By Gregory Lemoine:⁠International Teacher Guide: Finding the "Right Fit" 2nd Edition (2025)⁠ | by Gregory Lemoine M.Ed.⁠⁠"International Teaching: The Best-kept Secret in Education"⁠⁠ | by Gregory Lemoine M.Ed.Apps by Greg:https://apps.apple.com/app/6755244840  1. Who's That? Name & Face Trainer  Nov 21, 2025https://apps.apple.com/app/6756509803   2. Facetag | Memory Trainer   Dec 16, 2025Chapters:(00:00) Introduction and Location Check-In(02:38) Scott and Amanda's Journey in International Education(05:51) Navigating Long-Distance Relationships in Teaching Abroad(08:18) Transitioning from Teaching to Counseling(10:58) The Role of Counselors in International Schools(13:53) Cultural Perspectives on Mental Health(16:38) The Importance of Counseling in Diverse Environments(19:19) Advisory Programs and Their Impact(21:51) Mental Health Awareness and Support(24:42) Parenting and Teaching Abroad(25:32) The Birth Experience: Teams and Protocols(27:30) Emergency Situations and Communication Challenges(29:29) Healthcare Experiences: Comparing Countries(31:24) Maternity Leave and Support Systems(35:13) Raising Third Culture Kids(38:47) Family Dynamics and Long-Distance Relationships(45:17) Choosing the Right Place to Live(47:54) Navigating Life Changes and Challenges(49:50) Understanding Tax Implications for Expats(52:41) Creating a Sense of Home Abroad(58:50) Adventures with Law Enforcement(01:00:52) Final Thoughts and Reflections

NEWS: Philippines says China's sanctions against defense chief 'an unfriendly act' | June 13, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

We can easily do ministry because we know how to do it—but are we pushing forward without the glory of God?   I absolutely love the vision behind winning "one more soul," but a logo on a t-shirt won't break demonic strongholds—it takes a lifestyle of deep, secret devotion. In this episode, we tackle the sin of prayerlessness head-on, sharing raw testimonies of shifting from mechanical, functional workers to true sons and daughters who move in authentic Holy Ghost authority. From confronting spiritual blockages directly within the business marketplace to watching indigenous leaders take the reins of church multiplication in the Philippines, we break down what a raw awakening requires from each of us.   It's time to step away from the mechanical routine of functional religion and find a true, uncompromised place of stillness before the King.   Thanks to Jason and Kim Duren and Victory Family Church Dothan AL for having me!    Click here to go to the official Revival Cry YouTube channel. To see the Revival Cry podcast on another streaming service, click here.   To support Revival Cry or find out more information, go to revivalcry.org Email us at info@revivalcry.org  Follow @RevivalCryInternational on Facebook and Instagram.   Revival Cry Resources:  ⏵ Be an Evangelist or Do Evangelism ⏵ How to Become a Burning Bush ⏵ Hearing God through His Creation

Rob Freund is an ecommerce and advertising lawyer at Robert Freund Law. Follow and connect with him on X at https://x.com/RobertFreundLaw.FOLLOW UP WITH ANDREWX: https://x.com/andrewjfarisEmail: podcast@ajfgrowth.comWork With AJF Growth: https://ajfgrowth.comMORE STAFFINGRecruit, onboard, and train incredible virtual professionals in the Philippines with my friends at More Staffing by visiting https://morestaffing.co/af.MOVE SUPPLY CHAINReduce your OpEx and create more leverage in your company with financial forecasting, AI, and offshore talent by visiting https://movesupplychain.com/.

On this week's edition of 20 The Countdown Magazine, we're counting down the 20 biggest songs in Christian music and checking in with listeners around the world. You'll hear from our Station of the Week, 97.3 JCFM The Rock Radio in the Philippines, revisit a 2012 favorite from Sidewalk Prophets in our Throwback feature, and vote on two brand-new Future Fan Favorite contenders from CAIN and Ellie Holcomb. Plus, we'll share stories about Brandon Lake bringing worship to CMA Fest, CAIN opening up about identity and success, and Maverick City Music leading worship at Walt Disney World. Join William Ryan III for two hours of music, artist stories, and encouragement on this week's countdown. 20 The Countdown Magazine is listener-supported. Visit 20thecountdown.com to help us with our mission of spreading the Gospel around the world through music, one countdown at a time!

TJ Joosten is the co-founder of RevFixr, a pricing and monetization consultancy that helps SaaS companies improve pricing, packaging, and revenue growth. Before starting RevFixr, TJ spent a decade building and selling software, helping early-stage companies find customers, refine product-market fit, and navigate pricing decisions from small startup deals to multi-million-dollar enterprise contracts. Today, he works with SaaS founders, private equity firms, and software companies ranging from $1M ARR to $20M+ in revenues. TJ and his team have worked with more than 100 software companies, helping them identify monetization gaps, redesign packaging, move upmarket, and capture more of the value they create without necessarily building new products. In our practical conversation, TJ explains why most founders systematically underprice their software, why private equity firms often see pricing opportunities founders miss. We also discuss what's changing (and not changing) in pricing and packaging with AI and agents this year. He shares savvy advice on usage-based pricing, hybrid pricing models, AI agents, and why founders should continuously test pricing rather than treating it as a fixed decision. Key Takeaways Monetization Gap - Most SaaS companies create more value every year but fail to capture it through pricing and packaging. Pricing Courage - Founders procrastinate price increases while private equity buyers immediately look for pricing opportunities. Hybrid Pricing - Combining fixed fees with usage pricing often increases expansion revenue while reducing buyer risk. Founder Ownership - Pricing works best when one person owns it while sales, product, and finance actively contribute. Constant Testing - Pricing is not fixed; every new quote is an opportunity to validate a better monetization strategy. Quote from TJ Joosten, Co-founder of RevFixr "If you rarely get friction on pricing, it's rarely a barrier to entry and closing sales, then you have a pricing opportunity. If at least 20% of your deals in the negotiating stage don't push back on pricing then you're probably charging way too little. "If let's say 40 % keeps giving you pushback then of course you might want to go down. At that stage they have already invested time so they'll always also be honest about are you simply too expensive and therefore I'm not buying your solution?  "Or is there a different reason? You can just straight up ask someone like why didn't you buy? And if they don't give the reason of price, then you probably don't have a pricing problem." Links Tjitte (TJ) Joosten on LinkedIn RevFixr on LinkedIn RevFixr website Podcast Sponsor – Full Scale This podcast is sponsored by Full Scale, one of the fastest-growing software development companies in any region. Full Scale vets, employs, and supports over 300 professional developers, designers, and testers in the Philippines who can augment and extend your core dev team. Learn more at fullscale.io. The Practical Founders Podcast Tune into the Practical Founders Podcast for weekly in-depth interviews with founders who have built valuable software companies without big funding. Subscribe to the Practical Founders Podcast using your favorite podcast app or view on our YouTube channel. Get the weekly Practical Founders newsletter and podcast updates at practicalfounders.com. Practical Founders CEO Peer Groups Be part of a committed and confidential group of practical founders creating valuable software companies without big VC funding.  A Practical Founders Peer Group is a committed and confidential group of founders/CEOs who want to help you succeed on your terms. Each Practical Founders Peer Group is personally curated and moderated by Greg Head.

"The world has changed around Thailand since Covid, whereas Vietnam appears more in control of its destiny." As we race toward the midpoint of 2026, it was another week with plenty of travel talking points in ASEAN and beyond. The week, Gary and Hannah visit Vietnam, Thailand, the Philippines, Malaysia, Cambodia, Laos and China to decipher the top takeaways. We begin in the Philippines with the latest reports from the devastating earthquake in Mindanao, and send our very best wishes to people across the nation for Philippine Independence Day. Next up is IATA's State of the Global Air Transport Industry report, with some scything parting words from Director General, Willie Walsh, regarding policies around sustainable aviation fuel (SAF), which he says have put progress "under pressure." We then deconstruct the merits and debits of a detailed article comparing the tourism policy trajectories of Thailand and Vietnam - written from a Thai travel industry perspective (TLDR: Pinch. Of. Salt.) Plus. we look at how Malaysia has enticed a Chinese cruise operator to establish a regional home port on the west coast, address the reasons why Vietnamese airlines are attempting to expedite orders of Boeing planes - and we delve into our media headline of the week: "Five days, unlimited durian, zero apologies."

Born and raised in the Philippines, Alma spent much of her life repeating patterns she couldn't fully understand, patterns shaped by childhood experiences, cultural conditioning, relationships, and subconscious beliefs formed early in life.For years, she searched for change through external circumstances, believing a new environment, relationship, or achievement might finally bring the freedom she was looking for. Yet the same emotional struggles and recurring patterns continued to surface.In this episode of Back At It, Alma shares her journey from growing up in the Philippines, to building a life abroad in Dubai and later Poland, and how those experiences ultimately led her toward deeper trauma-informed healing and Root Cause Therapy.Tune in on the latest episode of Back At It as Alma and David explore how childhood environments shape adult relationships, the hidden impact of subconscious beliefs, the patterns many Filipinos silently carry through generations, and what becomes possible when we begin addressing challenges at their roots rather than only managing the symptoms.Today, Alma is a trauma-informed coach and Root Cause Therapy practitioner who helps people uncover the subconscious beliefs, emotional conditioning, and survival patterns shaping how they show up in life, from self-abandonment and people-pleasing to emotional suppression and difficulty trusting themselves, so they can break recurring patterns and create meaningful change in their relationships, decisions, and lives.TIMESTAMPS:(00:00): Intro(01:30): In-depth to her conditioning growing up in the Philippines(08:08): How childhood memories would lead to limiting beliefs played out in adulthood(16:31): Mother & Father Wound(22:44): Moving to Dubai and trying to seek validation(30:43): Moving to Poland and confronting her trauma(36:27): Discovery of Root Cause Therapy(47:37): The changes in her life as a result of root cause therapy: digging into the root of her emotions and behavior(56:09): First steps to apply root cause therapy into your own life(59:39): Her goal using root cause therapy as a means to help Filipinos break multi-generational behavior and be themselves(1:07:10): The habits to build to be proud of who you are(1:12:11): Where does Alma see herself in the next 5 years?(1:16:29): Not regretting learning root cause therapy later rather than sooner(1:18:58): The main lesson she wants her children to learn as they grow up(1:21:39): Closing Remarks

Australia's investments in Subic Bay were discussed during a meeting between Subic Bay Metropolitan Authority Chairman Eduardo Jose Aliño and Australian Ambassador to the Philippines Marc Innes-Brown. - Ang mga investment ng Australia sa Subic Bay ang tinalakay sa pulong nina Subic Bay Metropolitan Authority Chairman Eduardo Jose Aliño at Australian Ambassador to the Philippines Marc Innes-Brown.

Hirie is a global artist originally from the Philippines, Italy and the island of O'ahu. She has gone on to become one of the leading female voices in modern reggae. As the frontwoman of Hirie, she's built a worldwide following with hundreds of thousands of monthly listeners and millions of streams across platforms.Her album Wandering Soul debuted at number one on the Billboard Reggae charts, she's headlined major festivals like California Roots and Reggae Rise Up, and toured with some of the biggest names in the genre including Rebelution, Slightly Stoopid, Dirty Heads, and Sublime with Rome. Along the way, she earned a San Diego Music Award and built a reputation as one of the most dynamic live performers in the scene.Most recently, she's continued to evolve her sound with new releases like Blazin, while collaborating with artists across the reggae and island music world—including a recent collaboration with our past guest Wavvy. In this episode we talk story about growing up around the world, moving to Hawai'i, being bullied, starting her music career, life in Cali, touring, how she met her husband, becoming a mother, mental health, new music, and so much more. Enjoy!Buy our merch:

This week I sat down with Dane Henry, and honestly this one had me fired up from the start.Dane is 19 years old and has already done something that only Tom Curren, Gabriel Medina, and Jordy Smith have ever done before him — win both the ISA Open World title and the ISA Under-18 World Junior title. He then went on to claim the WSL World Junior Championship in the Philippines in January, cementing himself as one of the most exciting surfers on the planet right now.We also got to talk about his wildcard appearance at Bells Beach this year, where he went toe-to-toe with world number two Griffin Colapinto and came within a whisker of pulling off one of the all-time upsets in a heat that had everyone talking.This conversation covers all of it — where the journey started, what it actually takes to win at the highest level, the mindset behind three world titles in under two years, and what is driving him as he sets his sights on the Championship Tour.Dane is humble, grounded, and absolutely locked in. This one is for anyone who loves surfing, or who wants to understand what it looks like when a young person goes all in on their dream.In this episode we cover:How Dane got into surfing and where it all beganWinning the ISA Under-18 World Junior titleClaiming the ISA Open World Surfing Games gold medalBecoming WSL World Junior Champion in the PhilippinesJoining Tom Curren, Gabriel Medina and Jordy Smith in the history booksHis wildcard at Bells Beach and that heat against Griffin ColapintoThe mindset and preparation behind three world titles in under two yearsWhat is next and his goals on the Challenger Series and beyondFollow DaneInstagram https://www.instagram.com/danehenry_/Follow Cooper and TGHF1% Good Club Book (use code PODCAST for 25% off) https://www.thegoodhumanfactory.com/products/1-good-club-bookInstagram https://www.instagram.com/cooperchapman/TikTok https://www.tiktok.com/@cooperchapman_LinkedIn https://www.linkedin.com/in/cooper-chapman-08a278151/Workshop and Speaking Enquiries https://form.typeform.com/to/DSPSnvEHThe Good Human Factory Instagram https://www.instagram.com/thegoodhumanfactory/The Good Human Factory https://www.thegoodhumanfactory.comTHE GOOD HUMAN FACTORY™️ 2020 Hosted on Acast. See acast.com/privacy for more information.

Editors Jimmy Lovaas and Halima Mansoor discuss the earthquake in the southern Philippines that's left dozens dead, hundreds injured, and thousands displaced, plus more on a UFC fight at the White House, a referendum in Switzerland, the EU Summit, and the Juneteenth holiday in the U.S.Subscribe to the show: Apple Podcasts, Spotify, and many more. These stories and others are also available in our free weekly Forecast newsletter.This episode includes work from Factal editors Halima Mansoor, Michael Archer, David Wyllie, and James Morgan. Produced and edited by Jimmy Lovaas. Music courtesy of Andrew Gospe. Have feedback, suggestions, or events we've missed? Drop us a note: hello@factal.comWhat's Factal? Created by the founders of Breaking News, Factal alerts companies to global incidents that pose an immediate risk to their people or business operations. We provide trusted verification, precise incident mapping, and a collaboration platform for corporate security, travel safety, and emergency management teams. If you're a company interested in a trial, please email sales@factal.com. To learn more, visit Factal.com, browse the Factal blog, or email us at hello@factal.com.Read the full episode description and transcript on Factal's blog.Copyright © 2026 Factal. All rights reserved.

Cách đây không lâu, Tổng thống Philippines Marcos Jr. đã đến thăm Nhật Bản. Trong tuyên bố chung giữa hai bên có câu "khởi động đàm phán phân định vùng đặc quyền kinh tế và thềm lục địa" — và chính câu nói này đã khuấy động cục diện ba bên Trung Quốc – Nhật Bản – Philippines, đồng thời kéo cả vấn đề eo biển Đài Loan vào vòng xoáy.Xem thêm.

Part one of Kiera's conversation with Howard Farran on the Dentaltown podcast. They discuss how many details a dentist should know about their business, what about the COVID-19 pandemic still haunts practices, the AI of dentistry and the human care of patients, hidden gaps draining profitability, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners, this is Kiera. And today we are sharing a guest interview I did on another podcast. And it was too valuable not to bring you guys here.   this episode, you're gonna hear this host lead the conversation and then I'll wrap us up at the end. I cannot wait. It was truly one of my most   episodes and I truly hope you enjoy.   The Dental A Team (00:17) It's just a huge honor for me today to bring back Kiera Dent. How are you doing, Kiera? my gosh, Howard. It's so great to be back. I remember my very first podcast with you. I was actually at an office in Alabama and I went like hid in this room because I was starstruck podcasting with you. So to be able to be back on the show with you ⁓ several years later is just fun. I love what you guys are doing. I love Dentaltown. I love your posts. so it's really fun to be back. So thank you. ⁓ the honor is all mine. Just remember Kiera likes Shakira.   And Dent is just her nickname. The full name is Dental Queen Goddess. So thank you. And ⁓ she is the founder and CEO of the Dental A Team, committed to elevating dentists and their teams to their highest level through customized in-office and virtual consulting and training. Her vast experience ranges from the front office to assistant, regional manager, and dental practice owner, giving her a perspective few consultants can claim.   She and her team work with hundreds of dental practices nationwide and confidently say we don't just understand you, we are you. Among her many accomplishments, Ciara has grown a practice from 500,000 to 2.4 million in just nine months with a doctor straight out of dental school. She's coached hundreds of practices, authored numerous articles, and designed a customizable operations manual manual that serves as a roadmap for systems and team success.   Her Dental A Team podcast has amassed nearly 2 million downloads, making it one of the most impactful resources in all of dentistry. Kiera lives every day by her core values. Do the right thing, ownership, passion for excellence, ease, grit, innovator, die, and fun. Her motto says it all. There is always a solution. And my gosh, I just want to tell you the truth. And the reason I was so excited to bring you on. It seems like dentistry has turned into two groups of dentists.   There's all the old farts like me who, you know, we had, you know, we had great practices, great lives, great careers. And then you got these younger dentists that look at us and say, ⁓ man, you graduated in the good old days. You know, you didn't have five hundred thousand dollars of student loans, you didn't have DSOs, Delta hasn't given us a raise in four generations, and and and they're mad at the ADA. I think they're even mad at their mom. I I they're I think so and they're not happy. Do you have any good news?   For these dental graduates with $500,000 of student loans, or did they make the wrong decision and should have become a plumber? I mean, you know, plumbing is always a backup plan if dentistry doesn't work. So I think you're like at least in that realm. Like, you know, there's always options. But I love dentistry and I actually, ⁓ I think we're actually in the best time of dentistry. And I know that yes, there's the good old days. Then Howard, those were great days for you. But I think like, how many options do people have now? We have AI, we have these innovations, and I mean.   Your my example of a student straight out of dental school, we actually had one million. So I actually called her 2.5 because we had $2.5 million. So from student debt to practice loan debt to buying another location, all within a couple of months of us starting the practice. And so I called her 2.5 every time I walked past her. I was like, get that back straight, girl. Like we got 2.5 mil of debt on us. but to be able to grow our practice in nine months was   Absolutely incredible. And I think that that's where dentistry is amazing. There is no cap, there is no ceiling, and you have a way to truly impact and change people's lives. And I'm like, you have DSOs as options. Like there were not the times where you were getting the multiples that you get today. You also have like there are so many avenues that dentistry can afford you. but I think it's a it's a matter of what you choose to focus on, is what you're going to find more of. If you want to sit here and say, ⁓ my gosh, it's awful. We have 500,000 of debt. And I'm like, Yeah, but guess what? My husband had   Not quite the same, but we had several hundreds, thousands of dollars of debt. And he's a pharmacist. And so I understand what it's like to come out of school and have hundreds of thousands of dollars of debt on us. But guess what? He's making, you know, hundred, hundred and fifty. If we're lucky on a good day, we're capped out. It took us forever to pay back our student loans. But as dentistry, you have untapped and uncapped potential. And so for me, you get to change people's lives, you get to give them confidence, you get to help them have better health, and you're able to make people smile like.   I can't think of a better opportunity to be a part of. And I'm not just Pollyanna over here. I coach hundreds and thousands of offices. I've seen the good, the bad, the ugly, and the in between. But I'll tell you, depending upon how you choose to view this, you can either find the good or the bad. And I'd recommend like, let's find the great because it's a gold line of opportunity if you want to see it. What what do you say to dentists who say, Mm-mm, you know, I I really don't want to complain really a bit. I mean, on paper my   My practice looks perfect. I got two hygienists. I do a million dollars. I do all this, but just internally it just feels chaotic and stressful. So it looks like on paper he's doing everything right. But she says, I still feel like chaos and stress. What's what's that about? I think like welcome to being a business owner. I think that there's two sides of success. In the word success, there's literally the word suck. Like there are parts of success that are going to suck. Like that's just how it is, guys.   And so that chaos and internal turmoil, I think I there I have lots of offices where you don't have to be that way. And I think going from like operator doing all the pieces, being stressed out into like a CEO of a business. ⁓ I think sometimes dentists are such gunners doers, they're so hands-on that they have this internal chaos. But there there are paths again that don't have to be that way. But I also think this is part of the game of business that we signed up for. And I think when you get to the level like Howard.   You've seen, I've seen over our career, we've got the gunners and the doers and the like zero to two year business owners. Like it's freaking chaos. It's psycho. Like you're learning these things just like you're back in dental school. But as you mature, you start to realize that the chaos is just part of the game. And the more you're able to learn to weather it, to see it, and to not do all the pieces, elevate your team, get great people, do like hire it out. You can hire, I mean, a practice is doing a million and you got great profitability and overhead.   You can hire a lot of great people to take away a lot of your problems. And so like, let's get some of those things done. And then you actually become happier and you make more money. So that you don't have to sit in that chaos. I think that there's a part of it that will always suck. but there's also a part that can really be the successful part too, that's fulfillment and enjoyment. But you got to make the steps and take the steps to do it rather than just sit and complain about it.   Love it, love it, love it. ⁓ what do you what do you say about the ⁓ the dentist who got out of school, goes and works for a major DSO, say say he's working for Rick Workman, Heartland, and he works there two years, and you know, he you know, he's working for a guy that owns eighteen, nineteen hundred dental offices, but he can't tell you the code for a profit. Can't he'll say, like, you know, are they paying my pay right? Really? You can't check at you. I mean, it it's like   It's like they'll listen to a forty hour lecture on the difference between two different composites, but they did I mean th they worked through two years, they don't know insurance codes, they can't check out a patient, they don't know the software. I mean, I had one guy tell me, ⁓ the only thing you could tell me about the practice manager software is the brand name. He couldn't tell me and then he's asking me, you know, it what which one you know, but anyway, do you think do you think a dentist doesn't need to know all the business details?   Or do you think that's a blind spot and you can't delegate anything till you can do it and master it? I think that there's two types of owners. And I think that there's some that are really great at hiring people that they are great at hiring people, knowing it, listening to podcasts, hiring coaches, training the team, and like having somebody spot check for you. Then there's others that like they've got to know the ins and outs. But I think that like Howard, there's   To me, there's also a middle ground where I think that you can go sit with your biller for one day and just like say, like, walk me through your process. So you have a general idea and an understanding of what they do. Go watch to see how they schedule. ⁓ I think when it comes to billing, I do think the dentists have a very big blind spot. And to me, that is like as a business owner, not to know how your money comes to you. To me, that feels like a pretty big blind spot of like even just understanding that knowledge. And so   If I were to say, I don't think you need to know the ins and outs. I love like I recognize this. I was a business owner of it. I own practices. I worked with hundreds of dentists at Midwestern University's Dental College. Like, I hear what you guys are taught. Plus, I'm a team member on the other side. And so I created a billing course and an office manager course because I just want a dentist to know like, what should I be able to expect? And I think like if you want to just have a general overview so you don't get blindsided, you you can have it. I think you can quickly within like a week.   Know the bulk of like everything you need to know in a practice very simply, very easily. So that way you can delegate. That way you can have it. You're not gonna be perfect. but I think just having a general awareness. And then I love to give doctors just a quick checklist, like once a month, go spot check, go grab an EOB. Even if you don't know what the heck that EOB is, go ask your front office for it, check it. And just the more you learn that language, just like the language of business, I think it doesn't need to be an overnight sensation.   But I do think the more you're aware of it, I don't think you have to do every single role though to be a successful practice owner. And I mean, shoot, if Heartland can do it, I think it's a good example. But I think who are you? And are you a hands-on tactical person? Are you somebody who's really good at hiring people, t trusting other people, getting the checklist and spot checking? I think you can do it either way. But my recommendation is like just like one week, go like sit in every seat of your practice and get a general awareness and educate yourself on the things that you don't know. I'm really big on money, understanding at least how insurance works. And then also how do we like   present cases, what are kind of the flow that way those big zones that really impact your financials, you can you can be aware of. So those courses, those online CE courses, your website is The Dental A Team. The Dental A Team. Now I think the A Team, you need that guy with the Mohawk and all the bling. I mean that's who I am in my like spare time. This hair is just a facade. Like, you know, I hang out as Mr T. Mr T. Mr T, Mr T, yeah.   That's why I was thinking the A Team, but is that on your on your website, the th those courses? Yeah, they are. So we have an online library, it's all C E. We've got downloadable checklists, we've got operations manual. You got it. That's exactly right. And Howard, in real time, I'll have our marketing team actually put together a code. If you guys put in Dentaltown, since you're listening, we'll make sure that you guys get a coupon code for that as well. Well, since it's my compass podcast IRS that you just put Fabio.   you want Fabio? Okay. well in that case. So ⁓ so is I also see you have a ⁓ Summit twenty twenty six is live on Friday, April twenty fourth. Grab your ticket. Where's where's that show gonna be? Is it Reno where you are? You know, that's actually virtual, Howard, and it's one of our like favorite comebacks constantly. And the reason I do it virtual, people have been asking me for years, like, why don't you do it in person, Kiera? And what I found is   Because it's so like again as a team member, I really struggle to get my team ramped up, amped up, and have it be financially affordable. So what I found is if we can have it virtual in your practice with your full team, you guys are able to get this boost and surge of energy and have a good time. So it's for leadership teams, it's for doctors. ⁓ we've been doing it for six years strong and we tend to have hundreds of offices. You get your whole office there, you have a good time.   But yeah, it's virtual and it's C E and it's a great time. ⁓ I attend a lot of Tony Robbins, a lot of Brendan Bouchard, Rachel Hollis. So we've learned how to do people have told me the online experience is so fun. ⁓ we just get continual people coming back year after year after year. So yeah, come join us. It'd be a great time. I love Tony Robbins because ⁓ you know, my boys they wrestled year round from age five to fifteen.   Yeah. Made our garage. I got two real wrestling mats from the manufacturer in Pennsylvania delivered by an AJ Miller. So I never ever parked in my garage ever. And we would we were listening to that Tony Robbins 30 day, 30 day personal power. Yep. And then I and then I bought my first laptop when I went to MBA school. And so I took notes on it. And then when I was done, I I ⁓ closed down Saturday and I went to a studio Saturday, Sunday, and I ranted out my notes.   And I said, this has got to be 30 hours because I mean it's still Tony Robbins 30 day personal power. And that was the 30-day dental MBA. ⁓ and it worked out to be about thirty hours. But I'm telling you, the pandemic changed everything. That was when ⁓ online CE at Dentaltown just went through the roof and it hasn't come back and dental meetings haven't come back. Cause why do I need to fly to Chicago to listen to you if I got a Zoom call or   or streaming video or this event. I mean, I mean, just think of the plane ticket, the hotel, the sitting and attending. If you're in Phoenix, you know, just to get to New York is a five hour flight. I mean, why I I gotta fly five hours each way when I could see you on YouTube or a podcast or or whatever. But I wanna but I want to go back to that pandemic because that pandemic, I really think the reason you can really do this so successfully today is because of that pandemic. That's why we realize   I don't have to be in the flesh to learn knowledge. And and like I I I feel fine talking to you. I me too. The only thing I regret is teaching my mother how to do that. I got her FaceTime and all that kind of stuff. And because she calls to tell me about ever every one of her exciting things is junk mail she has. She's eighty seven and she believes every piece of junk mail. I love it. She's always free freaking out on her junk mail. But but I want to talk about the pan the dark side of the pandemic.   And that is a lot of people think about 20% of the hygienists left to practice. Before, you know, when I got out of school, your labor was supposed to be twenty percent, your overhead was supposed to be fifty percent. And by the time it was it didn't even take 10 or 20 years, and and due to insurance, I think not keeping up, ⁓ overhead went to basically two thirds. It went to about sixty-five percent and labor went to about twenty five, sometimes twenty-seven percent.   I'm hearing thirty percent labor all the time. And I mean I mean I'm talking about serious dudes who know the business of dentistry. And I don't I don't want to get my buddy Rick Kirstram out of me. He owns a hundred comfort dentals and he said he can't he said he's got the mean and lean where labor is twenty. He says he's got mean and leans with labor at twenty-eight, twenty-eight and a half. So so the the pandemic is ⁓ it that was five years ago. Why do you think it   seriously impacted labor cost of the pandemic. I do, Howard. And I think I think we kind of have this perfect storm, right? Like I think we've got multiple waves coming at us that have impacted. I think the pandemic pushed out those that were like, you know, I'm done. Like, like I'm good. I'm at the end of my career. I don't really want to do that. ⁓ a lot of hygienists are female and I think a lot of them realize they did not need two incomes anymore. And so it's like, you know, I want to be with my kids. I want to be home.   And then hygiene schools don't pump out a lot of hygienists and it's usually like a two year span. So yes, I have actually seen like hygiene is it really did, and then it clicked up. So the cost of hygienist has gone up astronomically. I mean, I think the highest I've seen of a hygienist being paid was 85 an hour. And to me, I was like, at that point, that was up in ⁓ it was up in Washington, up by Bellevue, Mount Vernon, that area. And I literally saw the the posting for 85 plus a a bonus, and I was like,   Screw that at that point. Like in all respect to hygienists, I'm gonna hire a dentist for that cost. Like I truly will. And that's not being disrespectful. It's just like a dentist is a more multifaceted. I understand they are not great hygienists, but if I have to and I'm gonna be putting this number up, like we've got to get to a space where it does work. So yes, I do. However, there are more hygienists coming onto the market. I still know that this is one of the hardest things, but ⁓ I have a practice that's out in Maui, rough life, huh, Howard? I get to fly to Maui to go do work, like.   You know, shout out to that office. ⁓ but what we found is we were able to find a way to get the hygienist to be paid exponentially higher by doing assisted hygiene. And so I think I'm seeing people innovate. I think I'm watching them create. I think I'm seeing people do some more outsourced costs in the front office. And so they're able to then offset the costs of the clinical team. ⁓ I think that people are just getting innovative and creative. And what I want to highlight is while this feels annoying, this is also business. And if we don't innovate and if we don't continue to evolve,   We actually decay and decline as an as an organization and as an industry. And so I know it's annoying and I absolutely empathize. And you're right. Like for me on our payroll, we're at 30%. Like I've had that as our metric for our clients for the last five years because payroll costs have gone up. But I'm like, but just because they've gone up, like let's look at several other industries. I mean, we're not here to like love on or hate on McDonald's, but I'm like, they have kiosks. They figured it out.   I checked in at a hotel in downtown San Francisco. There was no person there when I checked in. It was literally a person on Zoom just like this. I clicked in, they said hello to me. They took my information, but they didn't have to have a physical body in the office. And I think with AI and technology, dentistry is going to evolve, but I think the art and the care of patients does not need to evolve. And so, like, let's put our dollars where that matters and let's be able to look and innovate in other ways that keep our costs low. ⁓ I still think dentistry, I mean, why is there a one percent default rate on loans? Like,   Banks are still lending. We had the first down year of DSOs last year and the first uptick of private practice last year. And so when I look at these things, like it is still a great business to be in, even though labor costs, like, guys, again, it's just another flavor of business. So like let's figure out how to innovate. Let's figure out how to do it. And like, yes, I'm gonna pay for great people. I see team members as assets, not liabilities. And I'm gonna cut and chop on other areas that I can, but I'm also gonna be smart with my labor costs and make sure each person hitting their KPIs, they've got numbers that they're driving.   We are running this as an efficient business while like loving and taking care of our patients at the same time. I'm glad you mentioned bank loans because it's less than one percent default rate. Yes. All the defaults have the same thing in common. They all had their license taken away. Right. Always. And and if it's for drugs or alcohol, they now treat that as a medical disease. And the dentists still say, Screw you, I'm not gonna quit doing biking. And then they run south of the border. And that's why whenever you find a dentist down there that looks like me.   They're running for free Vicada. They they they said I'm not peeing any. So unless you, you know, do something just horrible. I mean, and you know, you have you have to get your it licensed in your way. But I w I wanna tell you about you know, there's just so many other things that you can focus on besides labor, like increasing their productivity. ⁓ I know dental offices. you can get a full if you pay a dentist in the Philippines five dollars an hour.   You get the best dentists in the Philippines. And I and there's dental offices that with Zoom and things like that are doing all their insurance and their claims and all that stuff. I mean, ⁓ so the with with with ⁓ with the internet, I mean you can literally have someone ⁓ be at the front desk ⁓ on a on a kiosk that's actually a dentist from the Philippines from five dollars an hour who when he's not busy can be calling your insurance companies all that. I I want to ask you another thing that's really hot on Dentaltown.   today. Everybody keeps talking about these dental insurance EFTs versus virtual credit cards. but basically everybody's reporting that major dental companies like even Delta are gonna stop sending paper checks and you gotta do it all electronic. And I guess that that electronic could be free, but it could be you know it could be another three and a half or three percent credit card fee on all your claims. Or what or what are your thoughts on all that? I'm hard on that   I have and I'm a hard no on the credit cards. Like, why? Why are you doing that? EFTs are so fast. Like there's absolutely no reason to be paying this. Explain to my home. A lot of them don't even know what a EFT. Mo I I bet 80% of the the dentists listen don't even know what we're talking about. Will you explain it? Will you explain it like I just graduated from dental school eight minutes ago? Of course. Well, I think that this is also where going back a little bit where you said, like, do dentists need to know the business? To me.   You don't even have to know that much, but I want to just challenge you that if you're getting a three, three and a half percent cut on your payments for quote unquote ease, that's a real big hit. And I would just challenge you to think about like for what and why. And so coming in, there's different ways the insurances are going to pay you. So they're gonna pay you via paper check, they're gonna pay you via EFT, which is a electronic fund transfer, or they've got this new thing where they're gonna pay you via credit card. And like honestly, to me, the credit card is so scammy.   And I've talked to so many people and like educate me, like, why would anybody do this? Like, I cannot comprehend. Like, I'm already taking a cut on insurance as is. Like, thank you for my marketing fee to be an insurance. Like, that's how I view that that write-off. Like, I know you hate it, but you're also gonna, you're either gonna have to do that, or you're gonna have to pay for marketing to bring in fee for service patients. So, like, again, let's just think about that. But I'm like, so I've already got a cut there, but I'm then gonna take another hit in addition to that for a credit card ease.   So as we're talking about that electronic fund transfers, they deposit straight into your bank account. The reason that some offices don't care for electronic fund transfers is because like trying to match it up is a like it kind of dumps and chunks into your bank account. So all you need to do is help your team members. Like there's ways that you can have it where it automatically emails your team when that comes through. So then they can go online and they can find out what the EFT was, so then they can balance and like enter it in.   I do think dentistry software is so dated because what happens is when we get paid from the insurance company, we get either like it's called an EOB, it's an explanation of benefits, and it's like batch checks. So when they dump this money to you, Delta's gonna give me like 20 grand. But like, who do I allocate that 20 grand to of all these patients? So that's I think where some people have like, well, electronic funds are so annoying and this and that. But I'm like, they're very quick, they're very fast, they're a lot safer than paper checks. Paper checks people do get embezzled on.   That I literally see no reason. Like, I don't care if you get it like one day sooner with a credit card, you are paying a huge hefty fee on that unnecessarily when electronic fund transfers are pretty much just as fast. Like maybe a like smidgey of a delay. But to me, that's a that's a very worthwhile smidgey of a delay. Because you're getting your payments so much faster. And as long as you're staying on top of it, you should still be able to maintain a 98% collections rate, even if you do checks or if you do electronic fund transfers. It just is so.   So dumb. I've yet to see a reason. But to me, I'm like insurances are so smart because it's just another way for them to take a chip out of what they're paying you and to have it come back to them. So again, think of the motive as to why they're offering. These people are not dumb. Those insurance companies, if you've ever gone to a business who's the biggest building in the entire city, it's your insurance companies. They're not dumb businesses. And I think we need to be smarter business owners that out think that. They always but Delta always says, we're   Yeah, so is Rolex Watch. Rolex Watch is a non profit. And and some of the CEOs of some of the anyway, we won't go there. But ⁓ yeah, ⁓ so what other ⁓ besides you know, when when someone tells me about their overhead, I tell them, look, I can't call the government and have my tax rate lowered. I can't call the nuclear power plant SRP or APS and tell them to lower my electric bill. I mean, something I i if the hygienists can   Wants a dollar an hour and if I say no, I'll give you 75 cents and she can go get a dollar across the street. I mean the market sets many, many prices. So the only way to fight that back is to ⁓ increase your productivity. You know, I mean if if if you have a dollar in labor and they do a dollar in dentistry, your overhead is a hundred percent. But if your dollar in overhead can do two dollars in dentistry, now it's down to fifty percent. So how so ⁓ are there other   ⁓ hidden gaps that are quietly draining profitability, or has it just come down to production? Or is it both I like I'm so glad you brought this up because I think like it's so easy to sit here and say, like, dentistry's not profitable. But I'm like, go find me another business that has a one percent fell rate that usually can run twenty to thirty percent profit margins if you run a business right. And this is not just Kiera sitting here fluff. This is like I got real clients running at these margins consistently. They've got large practices, small practices.   And so when I look at this and I'm like, okay, how do we make this more efficient? A lot of people want to go to the first thing of like, let's cut insurances. And I'm like, yay, pop the confetti, but be real smart. Because again, you're gonna then increase marketing fees, you're gonna lose a lot of your patient base. Like, let's just think through the ramifications. And so there's lots of different ways that we can increase productivity and not have to go for the cut. So I look at three levers that I found that can increase a practice. So one is we can increase our production. We're talking net production, not gross, like please feed your family, not your ego. So that's number one.   Number two is what's your collection percentage? Cause half the time doctors feel like they're broke and they don't have money, but your money's sitting in AR, which is your aging reports or your accounts receivable. We're not collecting the money and we don't have a good billing process. We got to get our collections up to 98%. And then the third thing is like we cut costs. And so looking at that, a lot of people want to go to just cut costs. I'm like, but in dentistry, let's break it down. If I want to add 10 grand more to my practice.   I love to help teams. Most offices are working four days a week. So if we're wanting to add 10 grand to a practice, working four days a week, let's do 10,000 and we're working 16 days a month. That's an extra six twenty-five a day. Well, how can we make six twenty-five in a dental practice? Let's think about our fluoride applications. Let's think about FMXs. Like I'm just talking, this is your lowest hanging fruit for you. Let's talk about could we add one or two fillings? Could we add like same-day dentistry, which is going to make more raving fans for our patients? There is so much ease in there.   Now, to increase our production, we can also look at our case acceptance. Doctors have so much case acceptance. And also, what are we diagnosing? I'm like, doctors, if you want to be producing 100 grand a month, the statistics are you need to be diagnosing three times that amount. And then we need to make sure our treatment coordinators are really good at diagnosing explaining treatment to them. They're not diagnosing, but they're explaining the treatment. They're presenting it in a way. We're not using insurance as our main driver. We're using it as like a coupon. And then we're really good at our follow through and our follow up.   Gotta have a right person, right seat in your treatment coordinator seat that's obsessive with hitting the right goals. And so there's like so many little ways. Like you can in I have added block scheduling, which I know is like a consultant's number one favorite thing to talk about, but like make it really make sense and easy for your team. I've added a million to a practice with no extra days, no extra work. We literally are just being more strategic with how we schedule. And so there's just so many little ways that I want dentists to realize like,   To me, I get really excited. This is where I geek out as a consultant. I geek out and I love to help that is because I'm like, how can I like squeeze more juice from the lemon you're already in? Like, let's just make more lemonade. Let's figure out ways to do it. And then let's make sure our costs are effective. So we teach your teams how to look at the business as a business. We teach each team member about their one KPI that's really going to drive it forward. We help them track. I just did this with an office manager this week and she's so lit up to look at her numbers, to look at her metrics, to see how she can do it.   And when they start to see how they can click it through, it's not you trying to push and drive more money. Like doctors, I tell everybody, every team member, you want your doctor to be so freaking profitable. Because if they're profitable and they're like they're secure, your life is so much better. So like I'm like dentists, we got to get you profitable, we to get the cash flow, we got to get you less stressed because you're gonna be a better dentist and a better business owner. But how are there's so many little easy ways where it's just low-hanging   Typically I'm able to add 10 to 30% of production in usually 90 days to an office, like very consistently with just small little reps, no real extra work. How are we doing our exams? Are we being directive in our treatment planning? Are we using like, okay, next visit I want to see you for this? And when do I want to see you back? And how much time is this going to take? Like, let's break down the barriers of treatment planning. There's so many little simple things that if you just implement, you can be very profitable very easily.   And then look at your P L. If you're not looking at your P and L every single week or month, like just being aware, getting into the language of business, that's also gonna help you too. So yes, cut. ⁓ but I found that it's always a lot easier to make sure our collections match, our production matches, and we use those little low hanging fruits. ⁓ and it's there. Like dentistry is such a magical, like, like it's a great lemon tree. You can make a lot of lemonade out of a dental practice. I want you to tell me if I'm right or wrong or or   I think I think there's two threes to double your price. Number one, if three people call your front desk, one is going to come in because they're smart and they need to they know they need to get their teeth clean. One isn't gonna come in for anything and you can hear them vaping and smoking and drinking beer and eating Cheetos on the call. But one out of three needs a little extra push. And if you train the person answering the phone, they can close that one out of three. And if they do, they doubled your practice. Then when they get in, you still got the now you got three people in chair.   One's gonna do what you say because you're a doctor and they've done their their author search and and you say they got a cavity, they're not gonna argue with you. One's not gonna do anything. In fact, in fact in fact I was like I had about a dozen patients that in the middle of my treatment plan, they asked me if they could just take a cigarette break ⁓ from my presentation and they went outside, had a cigarette, came back. They're gonna do it. But the other one in three needs some some closing skills. And so if you if you can close on the phone   You doubled your practice. You you got two butts in instead of instead of one. And if you fix your treatment plan presentation, you're gonna do two cases at one. And I think it's so funny now because the dentists have never let their hygienist or assistant, let alone receptionist, do any diagnosing treatment plan. But now AI, Pearl, and Overjet diagnosing all the cavities. So you wouldn't let your hygienist while she's in there for an hour.   Diagnose and treatment plan and sell the dentistry, the assistant while they're taking FMX, they they can't point out, yeah, see, that's a cavity, you don't need a filling and a root now. yeah, they couldn't do it because they were humans. But now Pearl and Overjeck can do it all day long and you're good with that. I mean, so so what how do you how do you double the close rate from one out of three to two out of three on the phone? How do you double the treatment plan acceptance rate from one to two out of three? Yeah. Do you do you agree those are possible goals?   Absolutely, Howard. I think again, this is the low hanging fruit that people are like, but that feels so hard. And I'm like, choose your hard. Like, is it harder to spend a little time with a front office and train them how to do this? Is it a little like, or is it harder to be cash flow negative? Like you choose what's your hard to me? Absolutely. Let's go after that. And I agree with you. Like teaching a team to preheat an oven, I call it what would doctor do. And so like, let's train our hygienist.   Like I tell all hygienists, doctor should be the second opinion, not the first opinion. And you got Pearl and you got Overjet. And so just spending a little bit of time with your team. So what we typically do for case acceptance, like let's go hit that one quick and then we'll talk about scheduling. Is I'm really big on let's get the whole team where we're talking the same language. So we recommend, like, what would doctor do? I recommend you run this over the course of six weeks, is typically how long it takes, anywhere from six weeks to maybe three months.   but we're gonna sit there and we're literally going to go through. We're gonna pull up an FMX. We're gonna do it one day over lunch. Hygienists, doctors, and if you want front office and dental assistance, rock on. But really, I want my like people that are seeing the bulk of my patients with doctor and hygiene. We're gonna look there and I want all of our hygienists to start like if we have an FMX up there and the interaurals, what is doctor going to recommend and how is doctor gonna talk about it? We're not just gonna sit here and have a nice little chit-chat. We're each gonna write it down because I wanna make sure every hygienist starts to get very, very comfortable. And the goal that I tell all hygienists is   Your goal should be at the end of this, what would doctor do training over six weeks? And if doctors are really consistent with it, I'm like six weeks of training to be able to double your practice and increase your case acceptance to me is a very good use of my time. So if I can do that, doctors and hygienists, you should be able to have 95% accuracy with your doctors at the end of this. And they do it. So hygienists get really lit up and they get very excited about it because now they're able to preheat the oven. They're able to talk to patients about it, use Pearl, use Overjet.   And then doctors, when they tee it up to you, and I say like hygienist, you've got to be the ones who first like introduce it, talk about it with the doctor as soon as they come in, but be real quick. So we introduce the patient, we compliment the patient on something, we recap the treatment that's discussed and we say something personal. Hygienist, you do that, your doctor exams will be much shorter for you and doctors will love it because it's very quick. If we can get that dialed in, and then doctors, you have a very like confirm the treatment.   then recommend exactly what needs to happen. And then we take that same baton up to the front office and front office, we schedule first. We then present the treatment. We use insurance secondary. I'm never leading with insurance. You do these little items which seem like, ⁓ no, that's like very quick, easy things. You're going to rapidly be able to help those ones. And then I do a two two two follow-up. So if they did not close for me and I'm going to go through it and I'm going to work through and I'm going to track all the people that didn't say yes to me and all the people that did say yes to me.   I'm gonna look for patterns. What are people saying yes? Like those are easy ones. Those are the gimme's. Those are the easy patients that Howard said. I'm looking for the people that say no and what's my pattern in there? And how do I change my verbiage? Because treatment planning is 80% psychology, 20% skill. So like what are you thinking? How are we presenting it? What are the words we're saying? One or two little changes usually will close that. What are the patterns and how can I get that number up higher? And I follow up with them in two days, two weeks, two months to make sure that they don't follow off.   People are like, Kiera, you really make your treatment coordinator do that? And like, yeah, I was your treatment coordinator that closed $50,000 same day. And this is exactly what I did. This is how I've trained co offices across the nation to do it. You just have these simple little things that help them out. And then you flip over to our scheduling. Like, I think scheduling's easy, Howard. I genuinely do. I'm like, half of it is just be nice. Like you got the COVID crank, and so many people are so grumpy and so like.   Annoyed when they pick up the phone, then I'm like, you can already leap your ahead by just being nice and being excited to welcome a patient. Then take like charge of that conversation. So let's take the ownership of that conversation. If someone's Do you take my insurance? I'm going to quickly redirect and say, my gosh, how did you hear about us? I'm going to answer that, but I want to find out how did they hear about us? If it's our Google reviews, if it's a referral, if it's somewhere else, I want to like say, my gosh, you're so lucky to be here.   We love our patients. We love our reviews. I can't wait for you to be a great raving fan too. let's talk about this. I can everything can be overcome. Please do not let being out of network stop people. It's a thousand dollar coupon and we're turning people away over that. No, no, no. We are better than that. And if we are the best dentist, they need to be coming to us. We need to win these patients over, make them feel so loved. Let's get them scheduled. Let's make this a great experience for them. Let's make them feel so excited. I did it with PT called like six offices.   And the office I chose, like so many people were annoyed I was calling. Can I put you on hold? Can I do this? And I was like, no one really wants my business. If you're just nice and you take control of that conversation, you can easily turn and transform your practice. So hopefully that was like not too much. I like I love these things. I love training treatment planning. I love training how to like take control of a phone call. I love helping teams overcome those little simple objections because it's very, very simple things.   that make massive leaps and bounds of change. And it's a great way to double your practice very easily, like you said.   The Dental A Team (36:13) All right, Dental A Team listeners, that was the guest interview that I absolutely loved. And I hope that if there was one idea that stood out to you, don't just agree with it, but actually go implement it this week. And if you need help setting this up in your practice or you need help just navigating or need a friend, head on over to TheDentalATeam.com and I'll be able to help you guys out. Click on the book of call or any way that we can support and serve you. That's what we're here for. That's what we're obsessed with. And as always, thanks for listening and I'll catch you next time on the Dental A Team podcast.

In this episode of the National Crawford Roundtable the guys review the latest happenings in the War with Iran, including the shooting down of a U.S. Apache Helicopter--does it call for retaliatory strikes? Earthquakes in the Philippines and Cuba along with wars and rumors of war--what do these biblical signs portend? The guys discuss the guilty verdict against Karmelo Anthony (black) in the stabbing death of Austin Metcalf (white) and the calls from Black activists for him to be freed. Is this a racial issue? And they take a look into the firing of Scott Pelley, formerly of CBS. Pelley says this is the end of objective journalism---is that true?

It's Wednesday, June 10th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Hindu mob injured 25 Christians during worship service A Hindu mob attacked a Christian worship service in central India last week. The mob injured at least 25 people, including the pastor's pregnant wife. Such attacks are becoming more common in the country's state of Chhattisgarh.  The state's government passed a law criminalizing conversion in March. It is India's second most oppressive state for Christians. Open Doors ranks the whole country as the 12th most oppressive in the world for Christians.    7.8-magnitude earthquake struck Philippines A 7.8-magnitude earthquake struck off the coast of the southern part of the Philippines on Monday. The quake killed at least 37 people, injured nearly 500, and displaced over 32,000. Christians in the area are jumping into action. International Christian Concern reports, “Local churches have opened their doors and converted their sanctuaries into vital emergency evacuation centers, providing safe shelter, immediate access to drinking water, and essential family food packs to thousands of displaced and traumatized residents.”   In Matthew 5:7, Jesus said, “Blessed are the merciful, for they shall obtain mercy.” Spanish Anglican church joins Bible-believing Anglican denomination In Spain, the Evangelical Anglican Community of Valencia joined the Global Anglican Communion last week. It's the first church in the country to do so. The Global Anglican Communion is a movement of conservative Anglicans led by churches in the Global South. The group rejects the leadership of the Church of England which has shown support for sexually perverted lifestyles. Julian Milson is the pastor of the church in Valencia. He told Evangelical Focus, “We believe that the Church is called to submit to the authority of Scripture above any cultural pressure.” FDA launched safety study of Abortion Kill Pill In the United States, the Food and Drug Administration launched a safety study of the Abortion Kill Pill, reports The Wall Street Journal.  This comes a year after the Trump administration promised to review the dangers of the abortion drug Mifepristone. The drug is not only part of ending the lives of unborn babies, it also poses health risks to the mothers who take it.  Republican Senator Josh Hawley of Missouri introduced legislation in March to ban the Abortion Kill Pill. Listen to his comments. HAWLEY: “It is time for Congress to give the victims, the survivors -- many of whom are here today -- the right to recover against this company that has inflicted harm on them solely for the purpose of making profits. I'm introducing legislation today that will do just that. And I'm delighted to have with me here today great advocates for women's health and for life.” FBI fired analysts who targeted Catholics under President Biden         MS Now reports that the FBI fired several intelligence analysts who targeted Catholics under the Biden administration. The analysts were involved in a 2023 memo which revealed how the FBI was surveilling Catholics as potential domestic threats.  A recent report from the Justice Department stated, “The Biden Administration's policies regularly clashed with a Christian worldview and burdened traditional religious practices.” Amazon dethroned Walmart Amazon has dethroned Walmart as the largest corporation in the U.S. by revenue. That's according to the Fortune 500 rankings for 2026. Walmart came in second, ending its 13-year reign at the number one spot. Other top 10 companies include UnitedHealth Group, Apple, Alphabet, CVS Health, and Exxon Mobil.  Also, Texas dethroned California as the state with the most Fortune 500 companies this year.  Curaçao soccer player shared Christian testimony And finally, soccer teams from around the world are about to compete for the 2026 FIFA World Cup. The international men's soccer championship is being hosted across the United States, Mexico, and Canada this year. One of teams hails from Curaçao, an island county in the Caribbean. Players from the national team participated in a Christian worship event ahead of the competition.  The team's striker, Kenji Gorré, shared his testimony at the event. Listen. GORRE: “I received Him as my Savior, because I knew that my good works couldn't do enough. I thought that if you're a good person, you'll make it to Heaven. I thought if you're a good person, God will forgive me. He's a loving God. But the love of God goes deeper. “And that's when I heard the true Gospel of Jesus dying for my sins on the cross, bleeding for me, washing me, cleaning me. And He cleaned me from the inside out. But I thank Jesus every single day. And from that day I've never stopped seeking Him.” Gorré also said, “Tonight we don't gather as athletes seeking worldly success, but as children of God who recognize that everything we have belongs to Him.” 1 John 2:15 and 17 says, “Do not love the world or the things in the world. … The world is passing away, and the lust of it; but he who does the will of God abides forever.” Close And that's The Worldview on this Wednesday, June 10th, in the year of our Lord 2026. Subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

In 1898, on the eve of the Spanish-American War, the US Army seemed minuscule and ill-equipped for global conflict. Yet over the next fifteen years, its soldiers defeated Spain and pacified nationalist insurgencies in both Cuba and the Philippines. Despite their lack of experience in colonial administration, American troops also ruled and transformed the daily lives of the 8 million people who inhabited these tropical islands.How was this relatively small and inexperienced army able to wage wars in Cuba and the Philippines and occupy them? American soldiers depended on tens of thousands of Cubans and Filipinos, both for military operations and civil government. Whether compelled to labor for free or voluntarily working for wages, Cubans and Filipinos, suspended between civilian and soldier status, enabled the making of a new US overseas empire by interpreting, guiding, building, selling sex, and many other kinds of work for American troops. In The Work of Empire: War, Occupation, and the Making of American Colonialism in Cuba and the Philippines (UNC Press, 2025), Justin Jackson reveals how their labor forged the politics, economics, and culture of American colonialism in Cuba and the Philippines and left an enduring imprint on these islands and the US Army itself. Jackson offers new ways to understand the rise of American military might and how it influenced a globalizing imperial world. 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

In 1898, on the eve of the Spanish-American War, the US Army seemed minuscule and ill-equipped for global conflict. Yet over the next fifteen years, its soldiers defeated Spain and pacified nationalist insurgencies in both Cuba and the Philippines. Despite their lack of experience in colonial administration, American troops also ruled and transformed the daily lives of the 8 million people who inhabited these tropical islands.How was this relatively small and inexperienced army able to wage wars in Cuba and the Philippines and occupy them? American soldiers depended on tens of thousands of Cubans and Filipinos, both for military operations and civil government. Whether compelled to labor for free or voluntarily working for wages, Cubans and Filipinos, suspended between civilian and soldier status, enabled the making of a new US overseas empire by interpreting, guiding, building, selling sex, and many other kinds of work for American troops. In The Work of Empire: War, Occupation, and the Making of American Colonialism in Cuba and the Philippines (UNC Press, 2025), Justin Jackson reveals how their labor forged the politics, economics, and culture of American colonialism in Cuba and the Philippines and left an enduring imprint on these islands and the US Army itself. Jackson offers new ways to understand the rise of American military might and how it influenced a globalizing imperial world. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

3 REASONS Bakit Simbahang Katoliko ang Totoong Tinatag ni Kristo | Punto por Punto debateng Katoliko vs INC, Born Again & JW gamit ang Biblia — Catholic Faith Defender

The Karmelo Anthony murder trial takes a dramatic turn after the defense rests without Anthony taking the stand, following a day of witness testimony and cross-examination that saw the defense's argument implode - host of "The MK True Crime Show" Phil Holloway weighs in. A fragile pause holds between Israel and Iran after another round of missile exchanges, as President Trump pushes both sides back toward a broader peace deal. A powerful 7.8 magnitude earthquake strikes the Philippines, killing at least 35 people, injuring more than 200, and leaving rescuers searching through widespread damage as aftershocks continue. A new breast cancer study finds a possible link between GLP-1 use and lower cancer rates, as researchers prepare a clinical trial to test whether the drugs may be helping drive the effect.   Supersure Insurance: Upgrade your business insurance to a year-round SuperAgency at https://Supersure.com/Megyn   The Wellness Company: Don't let a sudden illness derail your summer—secure your peace of mind and save $45 on a Medical Emergency Kit today by visiting https://UrgentCareKit.com/MKand using promo code MK. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Israeli military has carried out strikes on the southern Lebanese city of Tyre, a day after Iran called for attacks on Lebanon to stop. Thousands of people have fled the city. Also: medical sources say Taliban forces in western Afghanistan have killed two people demonstrating against the detention of women who'd ignored religious dress codes; Honduras approves a series of reforms to tackle the high rate of femicide in the country; rescuers in the Philippines are working to reach isolated areas after an earthquake struck Mindanao; a BBC investigation reveals hundreds of Iraqi migrants were kidnapped and threatened with forced organ removal in Libya; and Japanese wildlife officials have caught a bear that had been roaming a city, causing widespread school closures.The Global News Podcast brings you the breaking news you need to hear, as it happens. Listen for the latest headlines and current affairs from around the world. Politics, economics, climate, business, technology, health – we cover it all with expert analysis and insight. Get the news that matters, delivered twice a day on weekdays and daily at weekends, plus special bonus episodes reacting to urgent breaking stories. Follow or subscribe now and never miss a moment. Get in touch: globalpodcast@bbc.co.uk Photo: Smoke billows following an Israeli strike in Tyre, Lebanon Credit: Reuters

The BOB & TOM Show — June 9, 2026 6:00 — Discussion about prison nicknames. 6:05 — Chick out; Jeff in. 6:06 — Josh received photos from his colonoscopy. 6:10 — Colonoscopy stories with Tom. 6:23 — Jeff discusses being very hairy and using shampoo for his whole body. 6:24 — Jeff went fishing but did not catch anything. 6:28 — Letter: Ring around the collar that will not go away from a required white shirt. 6:30 — Letter: Soccer is boring. 6:30 — Letter: Listener feels the same way about basketball as others do about soccer. 6:32 — Letter: Learned to drive a manual transmission at age 17. 6:35 — Josh says if he were a valet parker, he would pass gas frequently. 6:35 — Jeff has never worked as a valet parker. 6:35 — Tom recalls a valet service losing his car. 7:02 — Guest in studio: Edwin McCain. 7:05 — Edwin says he would like to try stand-up comedy one night. 7:10 — Jeff jokes that Edwin should stay in his lane. 7:24 — Discussion of a sword-swallowing world record involving pushups. 7:27 — Sports segment. 7:29 — Edwin discusses song copyrights and memories. 7:45 — Edwin has been driving a bus since age 18. 7:46 — Edwin says he never changed the oil in his bus, only added oil. 7:47 — Edwin talks about his bus, "Queenie." 7:48 — Discussion about a museum gift-shop magnet display. 7:51 — Discussion about a fertility-themed festival in Japan. 7:52 — Tom notes that a museum was formerly a large retail store. 8:09 — Edwin recalls opening for LL Cool J and feeling unpopular with the audience. 8:12 — Edwin discusses performing for the Village People when another act could not make a show. 8:21 — "Sweet Intros" segment with Tom and Josh. 8:26 — Jeff says he has worn his own merchandise because he had no other clothes available. 8:29 — Edwin discusses song copyrights and being "the radio star." 8:33 — Edwin talks about buying and selling a Porsche. 8:49 — Today in History. 8:55 — Discussion of the song "Duke of Earl" and copyright topics. 9:06 — Edwin performs and discusses "I'll Be." 9:11 — Edwin reflects on earlier days, calling the group "a pack of fools." 9:12 — Edwin talks about his popularity in the Philippines. 9:14 — Edwin praises Kelly Clarkson's version of "I'll Be." 9:15 — Edwin jokes that his daughter is horrified by his existence. 9:24 — Story about Lincoln-era documents reportedly lost after being left on top of a car. 9:25 — "Pumpkin Seat" discussion with Josh. 9:28 — Story about a truck carrying fireworks catching fire on a highway. 9:30 — Story about a 79-year-old man watering his lawn while holding his groin area in view of nearby children. 9:30 — Josh discusses online search categories. 9:46 — Discussion of celebrities who died while using the toilet. 9:52 — Story about a person investigating something on a roof and discovering a cougar. 6:00 Hour7:00 Hour8:00 Hour9:00 Hour Learn more about your ad choices. Visit podcastchoices.com/adchoices

Tim Conway Jr Show Hour 3 (6.8) Conway kicks off the hour with the latest on Primm casino resorts, as LV Petroleum emerges as a leading potential buyer and operator trying to save the properties before a possible July 4 shutdown. The desert drama continues as the Primm family looks for a new partner to keep the casino town alive. Then the news turns global and wild: a plane headed to pick up MLB legend Yadier Molina and his family crashes on its way to Texas, a massive 7.8 earthquake strikes the southern Philippines, and a rare 6.1 earthquake rattles off the coast of Cuba. The crew jumps into NBA Finals fever with Knicks vs. Spurs, Game 3, and the insane ticket prices surrounding New York’s run — from thousands just to get in the building to courtside seats going for hundreds of thousands. Later, Conway gets into new weight-loss drugs, changing body sizes, and how GLP-1s are creating chaos for retail returns as people keep swapping clothes while trying to find their new size. Plus, Bellio’s yacht wedding, Conway trying to escape a cruise, strange things spotted on walks, and one beard that was apparently a total turnoff. The hour wraps with the sad wave of Southern California restaurant closures, including memories of Gulliver’s in Newport Beach, as rising food costs, labor costs, regulations, and changing spending habits put pressure on longtime local favorites. Primm casinos, LV Petroleum, Yadier Molina, Philippines earthquake, Cuba earthquake, Knicks vs Spurs, NBA Finals, Knicks tickets, weight loss drugs, GLP-1, Ozempic, retail returns, yacht wedding, restaurant closures, Gulliver’s Newport Beach, Southern California, Conway Show See omnystudio.com/listener for privacy information.

The DSA manifesto. Trump to attend Knicks game. Will it go smoothly? Minneapolis is spending more than a million dollars of taxpayer money for a counselor to help the city council and mayor get along. Mpls near George Floyd square have to foot the bill for the square's renovation. Johnny Heidt with guitar news. Heard On The Show:House report blames Walz, Ellison for fraud oversight failureOver 200,000 celebrate at Grand Old Day in St. Paul to support Grand Avenue businessesA 7.8 magnitude quake in the Philippines kills at least 35, collapses buildings and sparks tsunamiSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Drag Me To Brunch is back this year! Bring your bills and prepare for the sloppiest lap dance you've ever seen. Vinnie is excited for Christmas. Scary Movie premiered #1 at the box office this weekend. Jared Leto is in another bomb. The Super Mario sequel is the first movie of the year to hit $1 Billion. Forget the popcorn bucket, Supergirl has a new KFC bucket. A 7.8 earthquake strikes the southern Philippines. Peacocks kill snakes even if they aren't hungry. Nicolas Cage turned down some iconic roles, but he's never been hurting for work. Fed up with single life? GenZ is naming something that's always been around.

Hour 1: Drag Me To Brunch is back this year! Bring your bills and prepare for the sloppiest lap dance you've ever seen. Vinnie is excited for Christmas. Scary Movie premiered #1 at the box office this weekend. Jared Leto is in another bomb. The Super Mario sequel is the first movie of the year to hit $1 Billion. Forget the popcorn bucket, Supergirl has a new KFC bucket. A 7.8 earthquake strikes the southern Philippines. Peacocks kill snakes even if they aren't hungry. Nicolas Cage turned down some iconic roles, but he's never been hurting for work. Fed up with single life? GenZ is naming something that's always been around. Hour 2: Game 3 of the NBA finals tonight. NHL's Stanley “Pup” is tonight. Vinnie's fish is murdering his roommates. Is Taylor Swift getting married at Madison Square Garden? The World Cup is finally here! Happy National Best Friends Day. Cheers to the people you get to choose. McDonald's is testing AI drive-thru systems. Plumbers are important when you have kids. An elderly woman resorted to violence when her family tried to save her from a scam. Hour 3: Sarah's parents don't even remember being scammed. Hudson Williams, from Heated Rivalry, is apologizing for inappropriate photos from his teen years. VERY old TV clips of Nick Cage are resurfacing. Does Guy Fieri pretend to eat? The drink of the summer: Pickled Wine. Sherwin Williams is telling us the loneliest color. Save a bunny, lose a bunny. Vinnie is trying to tell feel-good stories. 4 in 10 people say their car is their happy place. Hour 4: Ariana Grande's tour started in Oakland this weekend. Ringo Star is in town. Elton John performed at Dua Lipa's wedding. Pink crushed it at the Tony Awards. Robert Smith and Olivia Rodrigo have a new collab. Madonna's got more new music. Ultimate Classic Rock did a Mount Rushmore of 1970s rock bands. Do you agree? Sarah's son is in China! Are you suffering from Email apnea? Plus, How Old Is That Guy?

Keith talks with data-driven investor Neal Bawa, the "mad scientist of multifamily," about why apartment values have dropped 20%–30% while single-family prices have stayed resilient.  They break down how interest rate shocks, the homeowner lock-in effect, and a wave of new multifamily supply are reshaping returns for today's investors.  Keith and Neal also dissect the build-to-rent model—who it really serves, how apartment oversupply is pressuring its rents, and why pending legislation could upend the space.  Neal closes with a specific, data-backed timeline for when multifamily rents and values may finally turn the corner, giving listeners a concrete roadmap instead of vague market guesses. Resources: Grocapitus Website - https://www.grocapitus.com Multifamily U's Free eBook: Location Magic - https://multifamilyu.com/lp/location-magic-ebook/ Multifamily U's Investor Club – https://multifamilyu.com/club Episode Page: GetRichEducation.com/609 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host, Keith Weinhold. The single-family real estate market is steady, but with apartment building values down 20 to 30% since 2022 when will the multifamily Armageddon end? We ask our qualified guest, and how will slowing birth rates in immigration affect real estate? And more today on Get Rich Education. You know, Mid South Home Buyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock homes helps multifamily owners exit the operator grind, whether it's your six plex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre That's F L O C K homes dot com slash G R E.   Neal Bawa  2:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:29   Welcome to GRE from Valencia, Spain to Valencia, California, and across 188 nations worldwide. America's favorite shaved mammal on a microphone is back with you for another wealth building week. I'm Keith Weinhold, and you're listening to Get Rich Education. The world's biggest problems are the world's biggest businesses. That's not a coincidence, and that's why we discuss housing here. And there's been a chronic shortage of affordable housing last month at a commencement speech, Harrison Ford, yes, the guy that played both Han Solo and Indiana Jones, talked about how a fulfilling life has both passion and purpose. Passion is what gets you out of bed in the morning, purpose is what helps you sleep at night, you and I. We can bring this mindset to our lifestyle, to the business we do, and to our investing. Treating tenants well is what helps real estate investors sleep well at night. While we're doing well, we can be doing good too. Multifamily syndicators keep failing, going out of business, and losing all of their investors' money due to mortgage rate resets. It just keeps happening. What this really means, that these groups that pooled together investor money to buy apartment buildings, largely that were set up in 2022 and earlier keep blowing up almost fully due to the fact that interest rates reset higher. Some of them had a fixed rate for five years. Well, rates spiked four years ago, and that's why a lot of them have yet to blow up, and these apartments have lost so much value that no one will refinance them, you know. Even if that apartment operator increased the net operating income over the years, even if rents went up, it doesn't matter. So, you still haven't heard the last of it. Do you remember a couple years ago, when a lot of people in the apartment space, they were saying just stay alive till 25 and that nonsense, like if you keep your head above water until 2025 oh well, then rates are certainly going to fall, and everyone's going to be okay. Well, 2025 is long gone.    Keith Weinhold  5:01   Mortgage rates haven't fallen in any significant way, so that survive until 25 thing or whatever mantra derivative people used that was a farce, like I've said on the show here for years. You cannot predict interest rates, so I didn't make the call that they were going to go up or down at all, because you can't predict them, but so many people said, oh, rates will fall substantially by now, no way, you just can't make that assumption, you've got to take history over hunches, and all of that, a lot of those multifamily deals 100% depended. depended on refinancing at favorable rates, and that's exactly why they failed. A surefire way to look foolish is to predict interest rates. We'll talk more about the multifamily Armageddon with today's guest. I also want to get into what's called the 21st century road to housing act, because that became one of the most hotly debated housing policy provisions this year. And what this is, is a Senate bill, and it would require certain large institutional investors that develop these bills to rent single family communities. It would force them to sell those homes to individual buyers within seven years. So, in other words, what a big firm could do is build a neighborhood of rental homes, lease them for up to seven years, but they couldn't hold on to them any longer than that. They couldn't hold them indefinitely as rentals, this bill is not aimed at you, the individual investor. It is aimed at big institutions, and what I mean by that is that's generally defined as owning 350 or more homes. That's what we're talking about here. Small landlords and mom and pop investors are not the target, it targets corporate portfolios, and this means groups whose names you've probably heard of, like Blackstone, First Key Homes, Progress Residential, and Invitation Homes. They are some of the heavyweights that the government is looking to clamp down on, so whenever you hear someone talk about big Wall Street landlords, that is who they're talking about. Now, some groups are pretty worried about the 21st Century Road to Housing Act, like the NHB, that's the National Association of Home Builders, and a lot of multifamily groups are concerned, and why is that? Well, the effect is it could dramatically reduce new housing production.   Keith Weinhold  7:44   See, a big institution like First Key Homes or Blackstone, they wouldn't want to even get into this business anymore. They wouldn't want to build big build to rent communities anymore if they have to sell them all within seven years. See, they want to buy and hold for the long term, kind of like what you and I are doing, because you and I know that owning a group of selective buy and hold single family rentals is a really profitable place to be, but so if they don't want to build, then that creates a reduction in supply, which could make prices go up, and then obviously hurt those trying to afford their own home. Well, that would defeat the purpose of this whole thing. I mean, my gosh, this always seems to happen when government gets involved. So, the 21st Century Road to Housing Act could limit supply, which is the exact opposite of its intent to get first-time home buyers into their first home, and if this passes, it does have bipartisan support. This lower supply, then yes, indeed puts upward pressure on prices. Just amazing. So then it could actually go on to help the everyday mom and pop investor, like you and I, that already owns property, the individual at last check, though they're looking to pass a version that still restricts some of these giant institutions from getting into build to rents, but yet it does not have that seven year sale requirement. What's really important to remember here is that Washington, they're looking to stifle big Wall Street players from the rental market, which could reduce supply. They're not targeting individual investors. The context that's important is that these groups, they own 10s of 1000s of homes, they don't own hundreds of 1000s, and they don't own a million, so it's a really small percentage of the housing market, whatever direction policy breaks, then the headlines that it creates are just greater in magnitude than the effect on the market is. It's an important frame of reference here. Let's meet this week's guest. This week we're welcoming back a guest that we haven't heard from in a year or two in real estate circles. He is popularly known as the mad scientist of multifamily. He's quite an in-demand speaker. He has a $500 million multifamily portfolio that he essentially shares with over 1300 investors. He's sharp, a good educator, and a straight shooter. That's why he's here. It's a warm welcome back to Neal Bawa.   Neal Bawa  10:32   Thanks for having me on the show again. It's delightful to be here, and so many interesting things to talk about in the world these days.   Keith Weinhold  10:38   There really are.. I don't know if we can get it all in, Bawa is spelled B A W A. Neal, I want to get to your future housing market outlook later. How you think the future looks, including when multi families quasi Armageddon might end. But first, you're known as a data driven real estate guy. Tell us about that, and how being data driven makes you profitable.   Neal Bawa  11:03   I see concern, and I'll tell you why. The single family and multifamily market have been atrociously incredibly divergent since the first quarter of 2022 They have not tracked yet each other at all, even though if you look at the last 50 years, they tend to track each other. So you know, 2008 was a Armageddon for single family, Armageddon for multifamily, and they both sort of came up in 2012 2013 and then they had a really good time until Covid.   Keith Weinhold  11:30   Yeah,   Neal Bawa  11:31   but the second quarter of 2022 is when Fed started raising rates, and since then we've sort of slid - multifamily has gone down in terms of pricing between 20 and 30% depending upon the metro, you know, and depending upon whether it's new construction, new construction assets have gone down more than 30% and existing assets that are filled up have gone down by 20 to 30% depending upon the metro. So, metros that have a large amount of supply, closer to 30% decline in value, the metros that have less supply probably closer to 20% decline in value, right.   Keith Weinhold  12:03   Demand demand has been pretty resilient. It's more of a supply story.   Neal Bawa  12:06   It's a huge supply story, right. So, if you look at, you know, occupancy, essentially what's happened is there was so much supply that came in that really people started on those projects in 2022 maybe they didn't start a construction until 2023 they didn't finish construction until 2025 so they started leasing up in 2025 They had to give offer concessions two months, sometimes three months free, and so that pushed down the rents in 2025. And they're not done, because you typically can't rent an apartment in six months. If it's brand new, it's going to take you about 18 months to rent it, and sometimes 24 months, and so it's affected our rents in 2025 it's affecting our rents in 2026. Now it's unlikely to affect it in 2027 but we'll go there, you know, at a later stage. But at the moment, we, what we've seen is negative rent growth in the United States for multifamily for the last 12 to 15 months, and what I think is going to be negative rent growth in Q of this year and Q2 of this year, so Q1 was negative, Q2, which we are in now, is likely to be negative or flat now. Single family, on the other hand, has gone in a different direction, which has been very difficult to understand, and I believe it's taken me a while to really understand this, but I think I've finally figured it out. Single family prices are not down since 2022 which makes no sense at all, because the average mortgage in the United States today is almost double, almost double, not quite double, but almost double of what it was in at the beginning of 2022 when interest rates were about 3.3 3.4% Right now we're sitting around, you know, six and a half percent interest rates, so not quite doubled interest rates, but they've obviously gone up a fair bit, and as a result, your average, you know, mortgage has almost doubled, but home prices haven't dropped, which makes no sense if you really think about it, because home prices are a factor of demand, and they're also a factor of people's ability to pay, so if all of a sudden within four years you're paying, the mortgage is doubled, then less people are going to be able to buy, but it stayed up, the market has stayed up, and the biggest reason it stayed up is because of what is known as the lock-in effect. So, the US market typically has a million new homes every year, and there's more than a million existing homes that are transacted, right? So, it's an open market, it's a perfect competition market, but it hasn't been perfect competition for the last four years, because so many people locked in ridiculously low interest rates.    Neal Bawa  14:28   Perfect example, in 2021 and 2022 I have a 15 year mortgage at 1.75% If I sell my house back to myself, my mortgage quadruples, quadruples, right, because it goes from 1.75% to six and a half percent, so I can't even imagine even think about leaving my home, right, because it's just such a perfect loan. Most people don't have anywhere near 1.75% but there's lots of people with more mortgages in the 3% three and a half percent, and 4% range that basically can't go anywhere, and because those homes are not coming into the market. The last three years the market has had this unusual not enough supply factor, and that's been keeping prices up. That is ending. That is ending, because what we've been tracking is the percentage of homes in the United States that have low mortgages. Low is simply defined as anything under four and a half percent, and that percentage is going down each quarter, because you know divorces happen, deaths happen, you know people move for jobs, and so every time that happens, that locked in rate goes away, because you sell your home and move on, and so for a while that lock in effect was predominant, it was controlling everything, but as time has gone on, interest rates were higher in 2324 2526 For also almost four years have passed since the rate started going up. So each quarter the percentage of homes in the US that have these low interest rates has slowly moved down, and we're almost back to a normal timeframe.   Neal Bawa  15:53   And this is causing the single family market to not have a conniption, but we're starting to see a balancing of the market, where it's not just a buyer's market anymore, in some places it's actually seller's market, some places it's a buyer's market. So we're now starting to see home prices drop in number of markets in the United States. I can't say that they've dropped in super majors, but we're seeing a flattening out effect of home prices in most metros in the US, and there should be a flattening effect. Just to be blunt, I mean, obviously I own a bunch of single-family homes, so I just wanted them to keep going up for selfish reasons. But if you think about it, we had huge home price growth in like 30 plus percent in number of years, 2021 22 and even 23 and during those years, salaries only went up by two to 3% a year. In one year, they went up by 4% and rents also went up like crazy. There was a 2021 was 15% rent growth year. So, at some point, there had to be an adjustment, and we are in that period of adjustment where single family prices are basically flat on a national basis. Yes, going up in the San Francisco Bay Area because of AI, and going up in a couple other technology-heavy metros because of AI, but otherwise fairly flat, and I don't expect that to change for the next year. So, my forecast is next 12 to 18 months, home prices in the US are going to be flat on a nominal basis, they're going to be down on an inflation-adjusted basis, but you know, because of the Iran, more inflation's three and a half percent, so home prices should go up three and a half percent. So, if they stay where they are, well, they're really dropping three and a half percent.   Keith Weinhold  17:29   Yeah, before this year began, I released our forecast, it was for 2% nominal home price appreciation in the one to four unit space for the US this year, and I still like how that looks. There's so much to unpack with what you just talked about. In my view, there's nothing unusual at all that when mortgage rates rose sharply a few years ago, that home prices rose as well. Why? Because actually, that's what usually happens, which is counterintuitive to most people. In all of our lifetimes, residential real estate prices have only fallen significantly one time, that was around 2008 due to a number of unusual circumstances. The only thing that's a bit different this time is, of course, how fast rates increased in 2022 and 2023 and people wondering if residential real estate prices could still keep up, and they certainly have, but yeah, you brought up this dichotomy, this bifurcation about how the apartment market and the one to four unit space kind of separated from each other in 2022 or 2023 That's what's so interesting.   Neal Bawa  18:36   I do want to point out a couple things, though, and I don't want to be a Pollyanna here and talk about negative stuff, but I think that there's big difference between 2008 and that timeframe and where we are today, and that difference is, and it has multiple parts. Not all of your audience is aware of this. Until about 2012 the United States had very reasonable birth rates. You know, we were one of those countries that had avoided the debacle that Japan, Korea, China, and a number of other countries are seeing South Korea being the absolute worst, where basically they were producing one baby per generation, where you need about 2.2 babies just to kind of keep your population where it is, right, and the US was unusually high in that, and that we were still above that threshold, which meant that our population would continue to grow and not fall. Now, there was two reasons our population was growing: One, we had more than 2.2 babies per household, and second, we had a very significant amount of legal and a very significant amount of illegal or undocumented immigration. Right, so we had both of those pipelines today. All three of those have flipped, so the United States now basically looks like Korea or China or Japan in that every household is producing about one and a half babies, which means that our population growth, which hasn't stopped yet, because it takes a while for these things to catch. Up is likely to stop, like it's, and at some point decline again. Luckily, we're not there yet. The US is a fairly young population, unlike Japan, which is one of the oldest populations in the world. So, it'll, we'll still continue to see population growth, but there is no doubt. And you can ask Chat GPT, right? How has population growth in the United States slowed over the last 20 years.    Neal Bawa  19:22   Make me a graph, and it will make you a very nice graph, and you'll very clearly see there's a slowdown in population growth. The second part is both documented and undocumented immigration. It's my estimate that since this administration took over, somewhere between half 1,000,001 million people have left the United States. Now it's very difficult to get an actual number, as you can imagine. A number of these people were undocumented, so we didn't really know how many there were to begin with. And a number of them, when they left, they also left by an undocumented rate, that you know, path. So we've lost a bunch of those people, and also the people that have stayed in the country, we've lost a number of them in the workforce. Here's a perfect anecdote, Keith. About 33% of the construction workforce in the United States was undocumented, one in three. In Texas, as much as 40%   Keith Weinhold  19:45   Yeah, that's huge.   Neal Bawa  19:45   It's very significant. Number of those people don't show up for work anymore. I don't think they've left the US, at least I don't think so. But they don't show up for work anymore, because that's how they get caught, right. So, what we've seen is that the construction workforce in the United States has become been decimated over the last 12 months, and the impact is much greater in the second half of 2025 than the first half. Why? Because even though they wanted to do ICE enforcement, they just simply didn't have enough agents, enough facilities, enough judges. When the second half of last year, they sort of started catching up on that, hiring more agents, getting more facilities, getting more judges, and so we started to see a real challenge there. I have properties in 10 markets in the US, and what I can say is about seven of those markets, mostly Southern markets, I am beginning to see dropping occupancy related to this phenomenon. I'm seeing a reduction, and so markets like Georgia and Texas, Florida are more hit than my northern markets like Idaho. I haven't seen any impact at all, but these southern markets, multiple properties, multiple metros, I'm seeing this - people, mostly of Spanish, Mexican origin, not renewing leases. I don't know what they're doing. I don't know if they're sleeping in their cars. I don't know if they're basically just, you know, staying with mom or staying with, you know, some other family. But I'm seeing a very, very big pullback in my leases tied to this, and occupancy is dropping in those markets that are heavily Hispanic. And so I'm seeing the impact of that on landlords, but I also know that there's an impact on the US at all, and overall demand on rentals, whether it's single family or multifamily. This is a significant impact, because I don't think that the Republicans are going to make a U-turn on this. I don't want to get political, but you know, stating the obvious.   Keith Weinhold  19:45   Yes, United States had its biggest birth year in 2007 when there were more than 4 million babies born. The average age of the first time homebuyer today is 40 years old. If that holds true, that peak would take place in 2047 And then, yes, to your point about changes in immigration, yes, it sounds like a potentially a reduction in demand with what you're talking about, with some vacancies, and also maybe a reduction in supply when you have fewer construction workers to build these places as well, we're talking about building properties. Neal, I want to talk to you about the build to rent space. Somewhat is build to rent better than traditional real estate? I think that's what we really want to know. And for those that don't know, build to rent means when you construct a property where from day one that construction project is built for a tenant, not an owner occupant. I see a lot of pros and cons there. Can you talk to us about the trade-offs between build to rent and traditional real estate?   Neal Bawa  19:52   Yeah, if you think about it, it's a really terrible word, built to rent, because if you think about the word built to rent should be apartments, right, but actually doesn't mean apartments, right? So, built to rent actually means single family or town homes that were built to rent out, right? And then you're like, why don't they just said built to rent apartments and town homes? Well, you know, was too long an acronym, and we suck at acronyms anyway. But BTR, or built to rent, is essentially building single family or town homes, but specifically building them to rent, and it doesn't include any apartments at all, right? And the reason why the BTR market was growing in the last five or six years is that roughly 18 million American families can no longer afford to buy starter single family homes, you know, and by starter I mean, small old single-family homes. That's how Americans usually started, you know, in their 20s and 30s. They would buy these homes, some of them, but they would fix up, and then they over time, in their 30s, late 30s and 40s and 50s, they would upgrade, and then at starting the 50s, it would flatten out, and then the 60s, they would start to downgrade, right? That's been a typical thing that's happened in America for 56 5070, years. Well, that is, cannot happen anymore. And it broke in 2022 until 2022 It was a normal cycle beyond 2022 because interest rates almost doubled, and the mortgages almost doubled, but the incomes only increased by 10 to 20% There became this orphaned generation of Americans, roughly 18 million families, that simply cannot afford to buy that starter home, and they are now forever renters. They don't know it. They think that they're going to catch up at some point, but five minutes with an Excel spreadsheet, I could prove it to them that they're not going to catch up.    Neal Bawa  25:35   Maybe one in 100 families would see a very large increase in income, and that would result in them catching up, but for the most part, as a group, these 18 million families, they're forever enters as a group that didn't exist before 2021 right. It's entirely because of this outrageous increase in mortgages, while not seeing a drop in home prices, that led to this, and so those orphan families, they actually earn pretty well, so these are families that make 70, 80, $90,000 in mid markets. They make over $100,000 if they're living on the coasts or in expensive markets, and they still can't buy that, you know, starter home. And so they don't want to live in apartments. I have lots of apartments, old ones, new ones, and I want these people to live there, but they don't want to live there, and so they've been looking for an option, and that option has been developers like me building communities of 200 300 townhomes or single family homes with a small little yard, and then basically from day one, instead of selling them, renting them out, and then once you're done renting out the whole community with 200 tenants, then you sell that to an apartment company. You know, there's lots of apartment companies in the US that have 100,000 units. Well, they want to buy these because the turnover is lower. So, what happens is most of these town homes and single-family homes for rent. Families come in, and they typically rent for three to five years before they move, whereas in on my apartments I lose 40% of my tenants each year. So, if I have 200 tenants, I lose 80 of them every year, and I have to basically go back, clean up those units, deal with the vacancy. But when I have townhome communities like my Idaho Falls townhome community. I lose a tenant at roughly every four years, and so, as you can imagine, profitability goes up when turnover goes down, right?   Neal Bawa  27:31   Because you don't have that cost of turnover and vacancy, and so eventually those large landlords that are holding 100,000 units figured out, I like this, what Neal Bawa is doing, he's building these 200 townhomes, I want to buy these from him when they're rented. I don't want to build them, I don't want to lease them up, I just want to buy them when they're stabilized. And so BTR became that name for that marketplace where developers would build townhomes and single families, rent them out, and then sell them to institutional, and it was some—   Keith Weinhold  27:56   People think of fabulous institutionalization of the starter home.   Neal Bawa  28:00   And in many ways it is, because what happened is, for a while, these institutional players, like Blackstone and BlackRock, they were like, we are just going to go out and buy 50,000 single-family homes, and that's going to be the institutionalized. Well, that worked really well if you bought in 2008 2009 2010 2011 because you got them bought them at a discount, but when they started buying them in 2015, 16, 17, 18 at ever higher prices, they didn't make any money. So the vast majority of these public funds that were created to buy large amounts of single family have failed if they've purchased anything in the last seven or eight years. If they bought before that, they made huge amounts of money. Family homes are so expensive that basically buying them for rental did not make sense, so these companies have now pivoted to saying we'll only buy communities that have 100 or 200 or 300 of these homes, because then we get the benefits of having centralized leasing, centralized property management, centralized maintenance, and I don't have homes spread all over the metro, they're all in one place, and I can make more profit from that. In theory, that's been good, and you might think that I'm bullish on BTR, but I'm actually today bearish on BTR for one single reason. About seven months ago, Republicans started talking about a bill - I don't know what the name of the bill is, but what this bill does is it forces builds to rent developers like me within seven years of building the property to sell all of the homes in that property to single family tenants, not to Blackstone, not to Blackrock, but to single family tenants. Hasn't passed yet, but it passed the Senate with an 8910 vote, which means that both Democrats and Republicans wanted to vote for this. If it passes the House, and because Donald Trump himself is very heavily opposed to it, he's made it very clear he doesn't like this. He's a developer, obviously. It hasn't passed the House yet, but if it passes the house, that will destroy the build to rent market. No one will ever build build to rent, because the worst possible thing is I build this, and within seven years I have to actually sell it to individual buyers. If I do that, my banks are going to hate me and not give me loans to build BTR anymore. Obviously, there's going to be some grandfathering to the communities that I'm building now, or maybe even build the ones that I'm building in 2027 maybe grandfathered. It usually is, because you know, Congress never does anything retroactively, and they give you a year or two, but if it passes, it's doomsday for BTR. I hope it doesn't happen, but that's the way it's looking, because it's bipartisan. Bipartisan bills are more likely to pass   Keith Weinhold  30:40   Now for the mom and pop investor, the individual investor build to rents have obvious appeal due to your point about the lower turnover, lower maintenance costs on a new build, lower insurance costs often on a new build, and then there's the tenant appeal to a new build as well, but of course there is that investor downside. I think a lot of investors are aware of their thin initial cash flow that they're going to have on build to rent, but you know, Neal, another downside with build to rent, I think a lot of investors don't look at is, hey, just how many of these things are they building? Are they building 500 of them? Do I have some overbuild risk if I buy into this community that could suppress occupancy and rents for a while.   Neal Bawa  31:21   What we've seen is that when Built to Rent started out in 2017-2018 it was its own asset class. It wasn't competing with apartments, it wasn't competing with single family rentals, it was just its own thing. However, in the last two or three years, as more and more apartments flooded the marketplace, we had a glut. It moved away from that. It basically started getting affected, and the rent started falling, just like any other portion of the market. You know, think of it as three portions of market. There's the built to rent, which I described, you know, brand new single family homes, town homes per rent. There's the apartments, both brand new and existing, and there's the single family rentals, right, which there are millions of. What we are seeing now is it's become one market, right? All of them are affecting each other, and the apartments, which have a huge amount of glut, there's a massive amount of new apartments that have come in in the last two years, are really pushing the rents down for single family, they're pushing that rents down for BTR. So, at this point, what I would say to people that have this concern, Keith, is simply look at incoming apartment supply, because if you're in a marketplace, and I'll give you examples of really good markets that are crushed right now. If you're in a market that has a lot of incoming supply, whether you buy a single family rental, a quadplex, a 50 plex that's an apartment, or 100 unit BTR, you're going to suffer for rent growth if you have a lot of incoming supply in 2026 and that is across the board in every market in the US. Huntsville, Alabama is, in my opinion, one of the most interesting markets in the US for 5 year, 10 year growth, right?    Neal Bawa  32:54   If I had to say you don't need a loan, it's just your own cash, no investors, where would you put money in? It would be at the top of my list, not at the very top. Idaho Falls is definitely the number one market in the US in my list, but Huntsville is up there. But right now, do you know what rent growth in Huntsville is? Minus 2% negative 2% Why? Because there's 6000 units coming into a market that's, you know, 1/5 or 1/10 the size of Phoenix, right. It's 1/10 the size of Dallas, but it has half the units of Dallas or Phoenix coming in, and so rent growth is negative there. So, what I would say is today absolutely everyone that is an investor should understand that we live in the magic world of AI, and you should be talking with Chat GPT about incoming supply for any market that you're interested in, and using that to make your decisions, because all of these markets merged, BTR, new apartments, old apartments, single family, everything has emerged in the last 24 months, where they're all affecting each other, and if there's too much supply of any one kind, it's affecting all of the other markets, and that's the message that I have. And none of this is like you have to go buy a $25,000 software like Costar today. Chat GPT is your costar.   Keith Weinhold  34:11   You're listening to Get Rich Education. We're talking with the mad scientist of multifamily, Neal Bawa, where we come back, including what he thinks about recovery for the beleaguered multifamily market. I'm your host, Keith Weinhold. 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What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 268 66 That's Family 266 866    Speaker 1  36:00   This is the star of the A E Show, The Real Estate Commission. Todd Rollette. Listen to Get Rich Education with my friend Keith Weinhold, and don't quit your daydream.   Keith Weinhold  36:20   Welcome back to Get Rised Education. We're talking with Neal Bawa, a really sharp multifamily syndicator who's also highly data driven. And Neal, tell us more about the beleaguered multifamily market that had those aforementioned problems really cropping up in 2022 and we had a lot of supply and spiking rates. What does it look like for the path to recovery for the US multifamily market?   Neal Bawa  36:45   Luckily, demand is strong, and even though occupancies have dropped, typically the multifamily market, the large multifamily market in the US, tends to be between 95 and 96% occupied. Okay, and right now we're on 93% so that all that incoming supply means that about 7% of our apartments in the US are empty at the moment, we're trying to fill them, and we are seeing that occupancy drop, not across just new apartments that are leasing up, but also drop in class B and class C. We've also seen a huge increase in concessions, so I studied this quite obsessively, and I can tell you that 2026 in some markets is the recovery year, but not across the board in the United States, and the reason for that is sentiment. Once renters get used to huge amounts of concessions, it's like a drug, it takes a little while before you wean those renters off of those drugs, and so there's that hit right now. Every renter program,   Keith Weinhold  37:44   Everyone wants their freebie for good.    Neal Bawa  37:46   Yeah, exactly. It's like, hey, what, you're not giving me two months free? Hey, what, you're not even offering me one month free? It takes a while for that expectation to happen, because there's such a huge amount of concessions in the US. So, to me, there are a few markets, usually the smaller markets or very fast growing markets, where there's a recovery in 2026 but otherwise 2027 The first half of 2027 is recovery. The second half of 2027 is fast rent growth in a lot of markets. Why? Because remember, interest rates have been high since 2023 A lot of projects were started in 2022 went into construction in 23 came to market in 25 and 26 Lease ups are happening in 25 and 26 By early mid 27 these are all leased up, right? The second half of 2027 there isn't a lot of delivery in any of these big markets, because to deliver in the second half of 27 you would have started construction in that second half of 2025 and I counted those permits market by market. There's just not a lot, because by that time everyone knew that projects were not getting funded, everyone knew that interest rates were high, so there wasn't a lot of supply of new starts in the apartment market in the second half of 25 so there's not going to be a lot of delivery in the second half of 27 and all of the existing stuff would have been leased by then. So 2026 is one of those years where we could still see more concessions in the second half of 2026 I still see rent growth for apartments to be flat. You mentioned single family might be a little bit higher. It tends to be a little bit higher than apartments in terms of rent growth, but I think flat rent growth for 2026 is what I'm projecting. I'm projecting small rent growth in the first half of 2027 for most markets, and then I'm projecting robust rent growth, call it 3% or greater on an annualized basis, in the second half of 2027 and I'm projecting that most markets in the US that are not seeing a population drop, so count out places like Detroit are going to see a very aggressive rent growth, four or 5% rent growth, that's aggressive in our world, in 2028 28 and 29 are shaping up to be. Supply deficit years, years where supply is well under demand.   Keith Weinhold  40:05   It's pretty easy to project completions when you just go ahead and look at starts, and really, what you're counting is the story of absorption.   Neal Bawa  40:14   Yep, and what's nice about apartments is you can actually build a single family home in about nine months, right, but you can't build apartments in less than 24 months. There's just so much permitting issues, there's so many delivery issues, fire code issues, and so we have a crystal ball on the multifamily side that we are now getting better at using. I don't think the industry was very good at this in 2022 but now we're really all obsessed with how many permits does my metro have, and how many permits does my state, and how many permits does the US have? And everyone that I know in the industry that's data driven knows that there's a massive glut now, maybe a little bit of a glutton that remaining portion of 2026 equilibrium in 27 and a huge, huge supply deficit in 28 and 29 So everything that I'm doing is based on this, and this crystal ball actually works because of that two year gap between shovels in the ground and delivery,   Keith Weinhold  41:10   and it sounds like you've recommended Chat GPT as a go-to source for investors to look into these things, that happens to be my favorite one as well, and you are well, maybe it's a bit too much to say, but it almost feels like to me pioneering with the way that you use AI. In fact, I know before our show today you were running some other things in the background that made me wonder, hey, am I talking to the real Neil or the clone Neil? I know I've got the real Neil here, but why don't you tell us about how you're using AI to make data-driven decisions in real estate?   Neal Bawa  41:40   Sure, so the first thing is that we've completed our journey with the low hanging fruit of AI. Every single person in our company is fully trained on how to use Chat GPT. Most of our research-related processes are automated. For example, 100% of our investor updates are now written by Chat GPT. What we do is we go into our property manager meetings on Mondays or Tuesdays sit down with them, beat them up, and the transcript is then taken by our team in the Philippines. They take that transcript and put it into a pre-trained Chat GPT string, it's called a custom GPT, and the string took a while to train, but now that it's trained, all it needs is a transcript. We just copy paste it in, we don't give it any instructions, and it outputs a really wonderful investor update, right. And so our updates for our investors are 99% written by AI. Of course, we'll go in and add our comments at the end of the process. So we've automated investor updates, rent comps, so you know if we are underwriting a new property today, what we do is we simply go into a Google file and copy paste the address and hit enter roughly once a minute. A software, which is written by AI - we're not coders, but the software knows how to write code - it checks the file, if it sees a new address, it goes in there, grabs the address, and then it basically goes to apartments.com rent.com realtor.com and all of these places, and checks the rents for this particular property in two mile radius. It eliminates all the ones that don't match, like you don't want to match the rents of a 1970 or 80s built property with a brand new 25 built property. Those are not comps, it's not comparable. So it basically is very careful, it keeps a radius range of two miles, and also basically is a property of the same kind, you know, like it never matches up a three story property with a 10 story property. Those don't match, one of them obviously is more of a central business district or downtown sort of thing, and so it basically grabs all of those rent comps and then puts them into a file and posts in a Slack channel. Usually it takes it about 1213 minutes to do that, and so whoever put that address in about 12 minutes later goes into the Slack channel and says, "Hmm, these are all my rent comps, right? And boom, now you're basically, you have all these ready rent comps. So, what we've done is, we've automated a significant portion of what we are doing with both our property managers and inside the company with acquisitions and things like that, we're also scraping massive amounts of data from the Bureau of Labor Statistics website, which we just couldn't deal with that data before, and building very beautiful, very interactive dashboards. We don't use Chat GPT for that. We find for dashboarding a tool called Claude, which is by a company called Anthropic, is much better, so we have currently over 150 interactive dashboards that Claude has created that update in real time and give us access to data. If anything, I find that we are in this incredible time where decision making has become much easier, as long as you spend time with these tools. So, in our company we have an absolute mandate that no one has broken for the last year. One year per day, people must program, and by programming we mean issuing common language instructions to tools and build dashboards and build software that automates our work. Have we laid off anyone because of this? I mean that. Be the next obvious question. The answer is no, because it's made it easier for us to serve a much larger audience, so it's easier to grow your company. We just are not hiring anyone, and we haven't hired anybody for the last 18 months, so we have a hiring freeze, but at the same time all of our people are employed because they're they're now much more valuable. So everyone in our company is now a programmer, and even though that sounds weird, it's completely true.   Neal Bawa  45:24   Every single person in our company writes code, and they write code by talking with Cloud Code or talking with Chat GPT, and then Chat GPT, of course, does the actual code writing, but people have become very, very good at answering questions and saying, "I want a dashboard like this, turn these radio buttons into drop boxes, and give me the last month, and last three months, and last 12 months, and do this, and do that, and connect this, and I also want to host this on a server, but I want to make sure that only I can see it. I need a password added. Imagine 1000 of these conversations happening in our company every day. Yeah, that's interesting. And what you just described   Keith Weinhold  46:00   there at Gro Capitas is somewhat of a microcosm for what's happening in the broader economy, where we've been in this low high or low fire environment for quite a while. Well, Neal, as we're winding down here, we recently had a new Fed chair come in. It seems incomprehensible to me that there could possibly be any rate cuts. I don't know how we could responsibly make a rate cut with all these inflationary layers. We had the pandemic, and then terrorists, and then the Iran war, and the energy shocks, and all these bottled up supply chains. What are your thoughts with regard to the Fed?   Neal Bawa  46:29   I still think that we'll get one rate cut, and that rate cut will be based on political pressure. So, for the first time ever, I have seen the Fed break into factions, so if you look at the latest Fed meeting, which happened, you know, there was dissent, there were two clear factions, so the Fed is becoming less data driven and more faction driven, and I think that one of the factions, which obviously wants rate cuts to go down, is going to triumph at some point later in the year, but until we get past the incredible increase in inflation because of the Iran war, I don't think that faction is going to win. Right, there's three or four people in that faction, that's not enough votes to get past the others. So I'm predicting no rate cuts until Q4 of this year. If the Fed was entirely logical, there should still not be a rate card in Q4, but I think it'll happen because there's political pressure.   Keith Weinhold  47:25   The preservation of independence is key. Neil Bhawa, this has been great, and a lot of people learn from you. You're a brilliant educator, as well as what you're doing in the multifamily space, and a lot of other places. So, if someone wants to connect with you, learn more about what you do. What's the best way for them to do that?   Neal Bawa  47:43   So we built a website called Multi Family University. It's completely free. There is no subscription. There's no upsell. We do not have an educational product, but what we do is each year we have 8-12 webinars that we create with their extraordinarily good looking thanks to the use of AI. Yay, and we share them with an audience, and usually between 5000 and 1000 people attend our webinars each year, of which roughly 1% become investors with us. The rest, the remaining 99% just continue to get free access to data, and we cover every imaginable real estate topic: Single family, multifamily, industrial hotels, self storage, Airbnb, and even controversial topics outside of real estate, like climate change or impact of climate change and impact of AI. So you know, multifamily university is the best place you can go to, multifamily you.com/club It's a free club, and it's free forever.   Keith Weinhold  48:42   Neal, it's been valuable to our audience. Thanks so much for coming back out of the show.   Neal Bawa  48:46   Thanks for having me.   Keith Weinhold  48:53   Oh, a terrific, wide-ranging chat with Neal. There, yes, this interesting 2022 divergence between single family and multifamily, the slowing birth rate, and how that won't really catch up with real estate in a big way for perhaps 20 plus more years. How single family rentals beat multifamily on the basis of tenant retention, and a lot more that we covered there, and he's got a good data driven timeline for apartments being back in favor by 2027 and 2028 After the interview, Neil and I chatted some more off Mike, and he would like to come back on the show next year. We're probably going to have him, because we have a lot more to talk about at that time. We can see if the multifamily market is really healing. Also, did you pick up on this? I wonder why, for his own home he would get a 15 year mortgage at 1.75% interest, so I'll have to ask him about that. That's surely a fantastic interest rate, but a 15 year loan rather than a 30 year that maybe he could have gotten at two and a half percent at the time. Well, 15 year probably. Is not the best use of capital, because it increases your equity position rapidly. When instead, those dollars could have been out in the market earning an actual return somewhere else. But he's a smart guy, he must have an answer. We can talk about that at that time. We've got a lot of terrific shows coming up here on the GRE podcast, specific learning episodes, where it's just me teaching you, as well as new guests and returning guests too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 2  50:35   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  51:03   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.  

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