Podcasts about Population

Utah's population is changing and that's going to mean a bit of an enrollment crunch for Utah's colleges and universities in the coming years. New data from the Kem C. Gardner Policy Institute re-emphasizes a warning from the state's Speaker of the House: we need to be looking at the future and prepare now. With more on this new data and how colleges can prepare, Greg and Holly are joined by Deseret News reporter Jason Swensen.

What if the secret to becoming wealthy wasn't being smarter than everyone else?   What if it wasn't timing the market, picking the next hot suburb, or finding some clever tax loophole?   What if the real secret was simply living long enough to let good assets quietly compound in the background?   Now, I know that sounds strange, but in a recent article in The New Daily Simon Kuestenmacher used a fascinating idea he called "vampire economics."   His argument was that if vampires existed, they should be incredibly wealthy.   After all, they don't retire. They don't have a 30-year investment horizon.   They don't panic because interest rates rise for a year or two.   They don't sell a good asset because the media tells them the market is about to crash.   They can buy scarce assets, hold them for centuries, and let time do the heavy lifting.   Of course, you and I don't have 400 years to invest. But there's a powerful lesson here for property investors, business owners, families and policymakers.     Takeaways   • Vampires benefit from exceptionally long investment horizons • Compounding becomes powerful when time remains unlimited • Scarce property can reward patient long-term ownership • Inflation gradually supports the value of real assets • Population growth can strengthen property demand over decades • Market headlines distract investors from enduring fundamentals • Active optimism requires action, not passive hope • Quality assets better support intergenerational wealth • Property strategy matters more than short-term speculation • Time allows wealth to outlast individual investors   Chapters   03:23 - Where the idea of vampire economics came from 09:15 - Why scarcity matters as much as time 10:09 - Income versus wealth 12:37 - Should governments be vampires or vampire hunters 17:59 - The bank of mum and dad as a vampire lesson   Links and Resources:   Join us at one of our upcoming seminars in Melbourne, Sydney, and Brisbane.   •        Click here for more details and to lock in your spot.https://metropole.com.au/how-to-grow-seminar/ •        Join us in this small group environment so you can get your personal questions answered.   Answer this week's trivia question here - https://www.propertytrivia.com.au/ •        Win a hard copy of How To Grow a Multi-Million Dollar Property Portfolio in your Spare Time? •        Every entry receives a copy of a fully updated Property Report.   Michael Yardney   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.     Simon Kuestenmacher: Australia's leading demographer and partner in the Demographics Group.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au      Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia   The Australian property market doesn't move in isolation - it's shaped by demographics, economic forces and long-term structural trends.   The Michael Yardney Podcast dives into: • Australian economic outlook • Demographic trends shaping housing demand • Population growth and migration impacts • Housing affordability debates • Interest rates and inflation • Supply shortages and construction cycles • Government policy and property markets • Future trends in Australian real estate • Strategic property investment planning   If you want to understand what's really driving property prices in Melbourne, Sydney, Brisbane and around Australia, and how to position your portfolio for the future, this podcast delivers data-driven insights and practical strategy.   Explore more at:https://propertyupdate.com.auhttps://metropole.com.au

Send us Fan Mail#331A rising population is one of the classic drivers of capital growth, alongside jobs and infrastructure.But what happens to UK property investing when a country's population stops rising?Demographer Dr Paul Morland joined me to explain what falling fertility and an ageing population actually mean for where you should and shouldn't buy.ExpatPropertyStory.comCheck out our shorts on YouTubeOur WhatsApp  groupProperty Engine discounts (Code: EXPAT)Starter: 30 day trialPro: 30 day trial/3 mths 1/2 price, Ultimate: 1/2 price 3 monthsGoalsettingLeave a review37 Question Due Diligence Checklist / Auction GuideOur Sponsors: Finnigan McNeill Property GroupWe discuss:Why the UK Now Has More Deaths Than BirthsBritain has had below-replacement fertility for around 50 years, and the UK has now reached the point where more people die each year than are born.Paul sums up the consequences as the "four grays": a shrinking gray labor force, a more conservative gray consumer base, gray investors who favour low risk, and gray government budgets strained by pensions and healthcare.Immigration is currently masking the UK's underlying population shrinkage, but the demand for housing is already changing in nature even before the headline numbers fall.How an Ageing Population Changes Property DemandOlder populations mean falling demand for student accommodation and rising demand for elder care and retirement-style housing.More people are also living alone as populations age, which pushes up the number of households needed even where the overall population isn't growing.Paul points out that many older homeowners sit on large family homes for decades, which restricts supply and can push up prices for everyone else.He raises stamp duty, inheritance tax and mansion tax as some of the government levers that influence whether people downsize.The Demographic Trilemma Facing Every CountryPaul frames the choice facing developed nations as a trilemma between ethnic continuity, economic dynamism and small family sizes, and argues no country can have all three.Japan has prioritised continuity and small families at the cost of economic dynamism, while the UK and much of Western Europe have leaned on immigration to keep the economy moving.Whichever path a country takes reshapes the make-up and size of households, and with it, the type of property in demand.Why Cities Will Compete for the Same PeopleIn a growing population there's enough demand to go around, but Paul argues that a shrinking population turns city growth into a zero-sum game.He points to Munich's strong economy and architecture as reasons it has grown, against East German cities like Halle that have lost over a quarter of their population.Closer to home, Paul sees London and Manchester continuing to pull ahead of other UK cities, echoing the "pretty cities" theme raised by a previous guest on the show.A Simple Local Signal for Property InvestorsPaul's practical advice is to look past national statistics and study the demography of the specific city or town you're considering.His suggested checklist: are local schools closing down, are elderly care homes opening up, and are shops closing or opening in their place.Those signals, he says, tell you more about a location's trajectory than a single national population figure ever will.What This Means for Expat InvestorsPaul notes that many British retirees who move abroad tend to return to the UK around age 80, largely for healthcare access and to be near family.For expats who've structured their UK property or tax planning around never returning, that's a trend worth factoring in sooner rather than later.Key TakeawaysWith a shrinking population, cities increasingly compete for the same residents, so location selection matters more than ever.Avoid areas showing signs of decline: closing schools, rising elderly care provision, boarded-up shops and poor transport links.Many expat retirees return to the UK later in life, which is worth considering in long-term tax and property planning.

Le taux de natalité en Australie a chuté à un niveau historiquement bas alors que le pays est confronté au vieillissement de sa population et à une pression croissante sur les dépenses publiques. Le dernier rapport intergénérationnel prévoit que la population australienne continuera de croître, mais de plus en plus grâce à l'immigration, à mesure que les taux de fécondité diminuent. Face à cette situation, les défenseurs des familles réclament davantage d'investissements dans les services de garde d'enfants et un soutien accru aux parents, avertissant que le coût de l'éducation des enfants devient un enjeu économique plus large.#sbsaudiopodcast

Adolescent cannabis use disorder following recreational cannabis legalization in California, USA: A population-based interrupted time series study Addiction Adolescent past-year cannabis use trends have remained relatively flat nationally as legalization has spread, but less is known about clinical outcomes such as incident cannabis use disorder (CUD). Researchers evaluated incident CUD case trends among adolescents in California between 2014 and 2020 to assess recreational cannabis legalization (RCL) impact. Incidence of CUD was trending lower between 2014 and 2016 prior to RCL, but post-RCL there was an inflection in the annualized incidence rate , and it started to increase. Notably the increase in incidence trend started after RCL passage, even before implementation of the law. The increasing trend continued after RCL implementation and through 2020. The authors note these findings highlight the importance of monitoring CUD outcomes along with use prevalence to assess public health impacts of cannabis legalization.    Read this issue of the ASAM Weekly Subscribe to the ASAM Weekly Visit ASAM

durée : 00:10:55 - La grande matinale - Narges Mohammadi, militante iranienne des droits humains, prix Nobel de la paix 2023, publie ses mémoires dans "Une femme ne renonce jamais" (Robert Laffont). Prisonnière du régime iranien, elle témoigne en exclusivité sur France Inter, à l'occasion d'une permission médicale. - équipe : Benjamin Duhamel, Clémentine Sabrié - invités : Narges Mohammadi Journaliste iranienne, prix Nobel de la Paix 2023 Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:10:55 - Les interviews d'Inter - Narges Mohammadi, militante iranienne des droits humains, prix Nobel de la paix 2023, publie ses mémoires dans "Une femme ne renonce jamais" (Robert Laffont). Prisonnière du régime iranien, elle témoigne en exclusivité sur France Inter, à l'occasion d'une permission médicale. - équipe : Benjamin Duhamel, Clémentine Sabrié - invités : Narges Mohammadi Journaliste iranienne, prix Nobel de la Paix 2023 Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Send us Fan MailDr Daneshvar is an associate professor at Harvard Medical School, Chair of physical medicine and Rehabilitation at Spaulding Rehabilitation, and Co-Director of Sports Concussion at Mass General Brigham, whilst also a long-time collaborator with the Boston University CTE Centre. Lastly, Dr Daneshvar earned the National Neurotrauma Society's 2024 Rising Star Award, whilst publishing more than 100 papers and being cited over 18,000 times by his academic peers. One of those articles is “Prevalence of chronic traumatic encephalopathy at death in National Football League players: retrospective population-based cohort study, 2008-21” The topic of today's conversation. 01:15 - Journey into Neurosciences and Brain Injury 02:50 – What is and Difference Between Concussion and CTE05:16 -  “Prevalence of Chronic Traumatic Encephalopathy at Death in National Football League Players: Retrospective Population-Based Cohort Study, 2008-21” What are the major findings? How was it conducted…. Etc09:10 – Extrapolation of CTE in Populations & Correlation Against Death Certificates12:13 – Stage's of CTE15:10 - Accelerometer Data as a Predictor of CTE vs Career Length 18:10 - Significant Challenges in Conducting Studies Around CTE23:10 – Risk Reduction 27:40 - How Can we Help Support Dr Daneshvar Research Dr Daniel DaneshvarGoogle Scholar: https://scholar.google.com/citations?user=YF2omqkAAAAJ&hl=en Prevalence of chronic traumatic encephalopathy at death in National Football League players: retrospective population-based cohort study, 2008-21 : https://www.bmj.com/content/394/bmj-2026-100418

With South Africa’s shortage of housing and high unemployment rate, there are some who argue that it is overpopulated and that smaller families should be encouraged. But is that true and is it feasible given how there are countries that are now grappling with an aging population that needs to be looked after? Lester Kiewit speaks to Tom Moultrie, Professor of Demography at the University of Cape Town. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalkSee omnystudio.com/listener for privacy information.

Japan's total population, including foreign residents, was 122,972,528 as of Oct. 1, 2025, shrinking by 3,173,571, or 2.5 pct, from five years earlier, census data released by the internal affairs ministry showed Tuesday.

Le taux de natalité en Australie a chuté à un niveau historiquement bas alors que le pays est confronté au vieillissement de sa population et à une pression croissante sur les dépenses publiques. Le dernier rapport intergénérationnel prévoit que la population australienne continuera de croître, mais de plus en plus grâce à l'immigration, à mesure que les taux de fécondité diminuent. Face à cette situation, les défenseurs des familles réclament davantage d'investissements dans les services de garde d'enfants et un soutien accru aux parents, avertissant que le coût de l'éducation des enfants devient un enjeu économique plus large.#sbsaudiopodcast

Staff of the Toyama city government may have inflated the central Japan city's population in the 2025 census, it was learned Tuesday.

(Re)Building a Population

(Re)Building a Population

Dr Jennifer Lavers is a marine eco-toxicologist, seabird and island conservation expert, and researcher at Adrift Lab - and returns for her second appearance on the Ocean Protect Podcast. In this chat, we delve into recent ground-breaking research on plastic pollution impacts on seabirds at Lord Howe Island - and discuss the findings from over 15 years of data, and what key actions we can take to beat plastic pollution.Useful links:Dr Jennifer Lavers on Linkedin (here)AdriftlabDr Jennifer Lavers on the plastic in seabirds (Ocean Protect Podcast, Season 2, Episode 15, June 2020) (here)AdriftLab article (August 2026) The Birds That Never Came Home: Long-Term Data Reveal Population-Level Impacts of Ocean Plastic Pollution (here)J.L. Lavers, H. Worthington, & A.L. Bond, Ingested plastics reduce recruitment and survival of an Australian seabird, Proc. Natl. Acad. Sci. U.S.A. 123 (34) e2613782123, https://doi.org/10.1073/pnas.2613782123 (2026). https://www.pnas.org/doi/10.1073/pnas.2613782123 Lavers, J. L., de Jersey, A. M., Rivers-Auty, J., & Bond, A. L. (2026). Abrupt recent increases in plastic ingestion by Sable Shearwaters (Ardenna carneipes). Earth's Future, 14, e2026EF008572. https://doi.org/10.1029/2026EF008572 Ingrid L. Pollet, William M. Connelly, Michelle L. Feenstra, Alix M. de Jersey, Alexander L. Bond, Jennifer L. Lavers, Jack Rivers-Auty, Plastic ingestion alters stomach anatomy and biomechanics in sable shearwaters (Ardenna carneipes), Journal of Hazardous Materials: Plastics, Volume 5, 2026, 100080, ISSN 3051-0600, https://doi.org/10.1016/j.hazmp.2026.100080 For further information about Ocean Protect, check us out at www.oceanprotect.com.au Hosted on Acast. See acast.com/privacy for more information.

Lawmakers are calling on one of their members to resign.A Jewish Charter School in Oklahoma moves a step closer to reality.The number of black bears in our state is increasing.You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment.You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, TikTok and Instagram at KOSU Radio.This is The KOSU Daily, Oklahoma news, every weekday.

Australia's birth rate has fallen to a record low, as the nation faces an ageing population and growing pressure on government spending. - अस्ट्रेलियामा जन्मदर अहिलेसम्मकै सबैभन्दा कम हुँदा उता वृद्धहरूको जनसङ्ख्या भने बढ्दै गएको छ र यसले सरकारी खर्चमा दबाब बढ्दो छ।The latest Intergenerational Report projects Australia's population will continue to grow - but increasingly through migration, as fertility rates decline.Now, family advocates are calling for greater investment in childcare and more support for parents, warning the cost of raising children is becoming a broader economic issue.Subscribe to the SBS Nepali podcast here.You can listen to SBS Nepali's live broadcast every Tuesday and Thursday at 2 pm via SBS South Asian on digital radio, on television channel 305, through the SBS Audio app, on SBS On Demand, or via our website.You can also follow SBS Nepali on social media: Facebook, Instagram and X (@SBS Nepali). - हालै सार्वजनिक गरिएको ‘इन्टरजेनेरेसनल रिपोर्ट'ले अस्ट्रेलियाको जनसङ्ख्या बढ्ने क्रम जारी रहने अनुमान गरिरहँदा प्रजनन दर भने घट्दै जाने र यसले भविष्यमा जनसङ्ख्या वृद्धिको मुख्य आधार आप्रवासन हुने बताइको छ। यसैबिच, केही अभियन्ताहरू एवं समूहहरूले चाइल्डकेयरमा थप लगानी गर्न र अभिभावकहरूलाई थप सहयोग दिन सरकारसँग आग्रह गरेका छन्। उनीहरूका अनुसार, बालबालिका हुर्काउने बढ्दो खर्च अब व्यक्तिगत मात्र नभई व्यापक आर्थिक चासोको विषय बन्दै गएको छ।हाम्रा थप अडियो प्रस्तुतिहरू पोडकास्टका रूपमा उपलब्ध छन्। यो नि:शुल्क सेवा प्रयोग गर्न तपाईंले आफ्नो नाम दर्ता गर्नु पर्दैन। पोडकास्टमा सामाग्री उपलब्ध हुनासाथ सुन्न यहाँ थिच्नुहोस्।एसबीएस नेपालीको प्रत्यक्ष प्रसारण हरेक मङ्गलवार र बिहीवार दिउँसो २ बजे SBS South Asian मा डिजिटल रेडियोमार्फत, आफ्नो टेलिभिजनको च्यानल ३०५ मा, SBS Audio एपमार्फत, SBS On Demand मा वा हाम्रो वेबसाइटबाट सुन्न सक्नुहुन्छ। साथै हामी सोसल मिडिया प्लेटफर्महरू फेसबुक, इन्स्टाग्राम र एक्स मा पनि रहेका छौं SBS Nepali का नाममा।

As Australia's birth rate hits a historic low, experts and advocates are warning that an aging population will force the nation to shift its economic reliance from population growth to productivity and increased family support. - Mababang birth rate, mataas na aging population, paano nga ba ito sosolusyunan ng Australia?#sbsaudiopodcast

Australia's birth rate has fallen to a record low, as the nation faces an ageing population and growing pressure on government spending. The latest Intergenerational Report projects Australia's population will continue to grow - but increasingly through migration, as fertility rates decline. Now, family advocates are calling for greater investment in childcare and more support for parents, warning the cost of raising children is becoming a broader economic issue. - میزان زاد و ولد در آسترالیا به پائین‌ترین سطح ثبت‌شده در تاریخ کشور رسیده است. این مسأله آسترالیا را با چالش پیری نفوس و افزایش روزافزون فشارها بر هزینه‌های حکومتی روبرو می‌سازد. جدیدترین گزارش میان‌‌نسلی نشان می‌دهد که نفوس آسترالیا همچنان به رشد خود ادامه خواهد داد، اما این رشد با توجه به کاهش میزان زاد و ولد، بیش از پیش متکی بر مهاجرت خواهد بود. اکنون مدافعان حقوق خانواده‌ها خواستار سرمایه‌گذاری بیشتر در بخش مراقبت از کودکان و حمایت بیشتر از والدین هستند و هشدار می‌دهند که هزینه بزرگ‌کردن فرزندان در حال تبدیل‌شدن به یک مسأله کلان اقتصادی است.

Australia's birth rate has fallen to a record low, as the nation faces an ageing population and growing pressure on government spending. The latest Intergenerational Report projects Australia's population will continue to grow - but increasingly through migration, as fertility rates decline. Now, family advocates are calling for greater investment in childcare and more support for parents, warning the cost of raising children is becoming a broader economic issue.

Relebogile Mabotja speaks to Dr Pedzisai Ndagurwa, a lecturer and acting Head of the Department of Demography and Population Studies at the Schools of Social Sciences and Public Health at Wits, to unpack South Africa's declining birth rate. What is driving people to have fewer children, have children later, or choose not to have children at all? What is actually happening with South Africa's birth rate? Broadcaster veteran Relebogile Mabotja brings a fresh, relaxed take on the issues of the day, alongside lifestyle talk and all things entertainment. Thanks for listening. Catch the Afternoons with Relebogile Mabotja live on 702 weekdays from 1 pm to 3 pm (SA time). Find more from the show and catch-up podcasts on the Primedia+ app https://buff.ly/gk3y0Kj Subscribe to the 702 newsletters for more https://buff.ly/v5mfetc Let’s keep the conversation going online: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Pascal Praud revient pendant deux heures, sans concession, sur tous les sujets qui font l'actualité. Vous voulez réagir ? Appelez le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur les grandes thématiques développées dans l'émission du jour.Vous voulez réagir ? Appelez-le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur grandes thématiques développées dans l'émission du jour.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Scott and Eben speak with Xavier Gutierrez, the chairman of ImpactX Sports Group and former CEO of the Arizona Coyotes, about opportunities for Latino executives, making sports more inclusive, and the viability of pro hockey in the greater Phoenix area.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Aujourd'hui, Didier Giraud, éleveur de bovins, Sandrine Pégand, avocate, et Sam Zirah, créateur de contenu, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

He built Magna International into one of the world's largest auto parts companies, with hundreds of factories and well over a hundred thousand employees. But the real story isn't the company's size. It's what he did with the profits. Instead of keeping them at the top, he split them with the people on the floor. Today's guest is Frank Stronach, founder of Magna and the mind behind the Economic Charter of Rights, the profit-sharing model that made it happen. We get into the handshake deal that started it all, why he walked away from a $40 billion company to go all in on farming and horse racing, and the succession plan he built so his own family's fortune doesn't end up like most family businesses do. Connect With Frank: IG: @officialfrankstronach Web: economiccharter.ca Book, The Greed Factor: amazon.com/dp/B08R7V792K Follow Dr. JC Doornick and the Makes Sense Academy:► Makes Sense Substack - https://drjcdoornick.substack.com ► Instagram: / drjcdoornick ► Substack: / drjcdoornick ►Facebook:  / makessensepodcast ►YouTube:  / drjcdoornick MAKES SENSE PODCAST Welcome to the Makes Sense with Dr. JC Doornick Podcast. This podcast explores topics that expand human consciousness and enhance performance. On the Makes Sense Podcast, we acknowledge that it's who you are that determines how well what you do works, and that perception is subjective and an acquired taste. When you change the way you look at things, the things you look at begin to change. Welcome to the uprising of the sleepwalking masses. Welcome to the Makes Sense with Dr. JC Doornick Podcast. SUBSCRIBE/RATE/REVIEW & SHARE our new podcast. FOLLOW Podcast: You will find a "Follow" button in the top right. This will enable the podcast software to alert you when a new episode launches each week. Apple: https://podcasts.apple.com/ca/podcast/makes-sense-with-dr-jc-doornick/id1730954168 Spotify: https://open.spotify.com/show/1WHfKWDDReMtrGFz4kkZs9?si=003780ca147c4aec Podcast Affiliates: Kwik Learning: Many people ask me where I get all these topics, which I've been covering for almost 15 years. I have learned to read nearly four times faster and retain information 10 times better with Kwik Learning. Learn how to learn and earn with Jim Kwik. Get his program at a special discount here: https://jimkwik.com/dragon OUR SPONSORS: Operly - Take Back Control of Your Work Day and Get Rid of All Your AI Apps - Welcome to the new world of Time Freedom and Unlimited Scaling and Success with Operly -  https://go.getoperly.ai/video?ref=jean-claude-claude-d-2a95 Blue Blinds Bakery - Handcrafted with all-natural ingredients - www.blueblindsbakery.com 0:00-0:57 Intro 0:57-2:57 Meeting Frank Stronach: From $200 to a Global Empire 2:57-4:30 Growing Up in Poverty During World War II 4:30-5:43 Learning the Trade: Tool and Die Training in Austria and Switzerland 5:43-9:13 How Magna Was Born: The Herman the German Story 9:13-13:35 Fate, Purpose, and a Life on University Boards 13:35-17:07 Beyond Money: Horses, Racetracks, and Finding Purpose 17:07-18:41 Capitalism, Bureaucracy, and the Case for Small Business 18:41-19:48 The Biggest Mistake Young Entrepreneurs Make 19:48-24:11 Leaving Magna, the Farming Venture, and a Family Dispute 24:11-25:25 Why Frank Cares About Others 25:25-26:39 The Wisest Business Decision He Ever Made 26:39-30:18 How Fair Enterprise Created Thousands of Millionaires 30:18-33:19 Advice for the Next Generation: Food, Population, and Peace 33:19-35:26 Legacy, Family, and the Future of Stronach International 35:26-36:21 What's Next, and Closing Thoughts 36:21-37:05 Outro Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Australia launches campaign for two-year seat on UN Security Council - Finland is the only competition so far.

Canada's Construction Boom Is Finally Slowing Down For the last few years, Canada has been building aggressively. More apartments. More condos. More purpose-built rentals. More infill. More density. But new Statistics Canada data suggests that construction intentions are finally beginning to slow. In July 2026, the total value of building permits issued across Canada fell 17.3% to $12.2 billion. Residential permits were also down, with multi-family projects accounting for most of the residential decline. For real estate investors, this matters because new supply has been one of the biggest forces affecting rents, vacancies and property values across the country. Today, Wayne and Gabby break down what the slowdown could mean, particularly for Edmonton and Alberta. Building Permits Are Falling Statistics Canada reported that the total value of building permits across Canada declined sharply in July. Residential permit values fell as well, including a significant decline in multi-family construction intentions. Alberta also experienced a meaningful monthly decline in total permit values. The important distinction: A permit is not a completed building. It represents an intention to build. A project may still be delayed, redesigned, refinanced or abandoned altogether. That means the rental supply already under construction is still coming. But fewer new projects entering the pipeline could eventually help the market rebalance. Edmonton Still Has a Lot of Supply Coming Wayne's concern is not that Edmonton suddenly stopped building. Far from it. There are still a significant number of purpose-built rental projects already under construction or far enough through the development process that they are likely to hit the rental market. Those buildings still need to be completed. Then they need tenants. The question is: How long will it take for Edmonton to absorb all of that new rental supply? Wayne believes it could take several years. Why Developers May Be Pulling Back Wayne discusses several reasons developers may be becoming more cautious. Financing costs have changed. Construction costs have increased. Rents have softened in some segments. Vacancy has increased. And developers now have to consider the large amount of competing inventory already coming onto the market. A project that looked great two years ago may look very different today. That becomes particularly important when a development was financed using construction or bridge financing and the permanent financing available at completion no longer produces the same numbers. Construction Costs Are Still Increasing Wayne and Gabby share a recent example from one of their own townhouse investments. Shortly after purchasing units in the complex, the condominium corporation received an updated roofing quote. The final cost came in approximately $90,000 higher than expected. The condo corporation responded by temporarily increasing condo fees rather than issuing a large special assessment. The lesson was not really about condo fees. It was about construction costs. If replacing shingles on a townhouse complex can suddenly cost substantially more than anticipated, developers working on multi-million-dollar projects are facing the same problem on a much larger scale. Edmonton May Have Overshot A few years ago, Edmonton had the opposite problem. Vacancy was extremely low. Rental supply was tight. Tenants were struggling to find housing. Rents were increasing quickly. Government and developers responded by creating and building more housing. Wayne and Gabby believe the market may now have moved too far in the opposite direction. The supply shortage was addressed. But construction kept coming. That creates a period where landlords may need to compete harder for tenants while the market absorbs the new units. Will Edmonton Rents Keep Falling? Wayne believes rents will continue softening in certain segments of the market. But he does not believe every rental property will be affected equally. The largest pressure may fall on property types facing the most new competition. That includes: Main-floor suites Basement suites Smaller infill units Purpose-built rental units competing for similar tenants There are simply more choices available to renters. Full Houses Could Be Different At the same time, Wayne sees a different opportunity developing in full-house rentals. If tenants search the market and see hundreds of smaller suites but very few full houses with basements, garages and yards, demand can shift toward the scarcer product. That is an important distinction. Saying: "Edmonton rents are falling" is too broad. The better question is: Which rents are falling? Different asset classes can behave completely differently inside the same city. The Supply and Demand Lesson This is ultimately a supply-and-demand story. When rental supply is too low, rents increase. Developers react. Governments react. Construction increases. Eventually supply catches up. Then supply can exceed short-term demand. Vacancy rises. Rents soften. Developers become more cautious. Construction slows. Eventually the market moves toward balance again. The cycle continues. Real estate investors need to understand where they are inside that cycle. Is the Construction Boom Finally Slowing? During today's rapid-fire Q&A, Gabby asks Wayne directly: Is the new construction boom finally slowing down? Wayne's answer: Yes. But the bigger uncertainty is how long the effects will take to work through the market. Hundreds of millions of dollars of projects are already permitted or underway. Some will finish. Some may not. And the impact on rents and vacancies will take time to become clear. How Long Could Edmonton Take to Absorb the Supply? Wayne estimates that Edmonton could take approximately five to six years to fully absorb the current wave of purpose-built rental supply and return to the type of vacancy environment he considers more balanced. That is Wayne's estimate, not an official forecast. The timeline could change significantly depending on: Population growth Migration New construction Project cancellations Interest rates Employment growth Rental demand Why Cash Flow Matters More Than Ever The episode closes with a listener asking how much cash flow a rental property should have. Wayne points back to the 5% Rule™. The reason he focuses so heavily on cash flow is not because he views it as spending money. He views cash flow as protection. If rent falls by $200 but the property was producing $500 per month, the investor still has room. If the property was only producing $100, that same rent decline pushes it negative. Multiply that across a large portfolio and small differences become significant. Cash Flow Is a Risk Mitigator Wayne describes cash flow as the ultimate risk mitigator. It protects investors against: Lower rents Higher vacancy Higher interest rates Unexpected repairs Rising operating expenses Market downturns Investors cannot control all of those variables. But they can control how much margin they build into the property when they buy it. What About Fort McMurray? A listener also asks about Fort McMurray. Wayne says he has heard positive things recently about rental demand in the market. However, he remains cautious because Fort McMurray has historically been a more cyclical, boom-and-bust market. For Wayne, predictability matters. He prefers markets where he feels more confident about long-term tenant demand and the sustainability of the rental business. The 5% Rule™ Want to understand how much cash flow Wayne believes a rental property should have? Search: The 5% Rule by Wayne Hillier on Amazon. Remote Property Management Course Today is the final day to receive 50% off Gabby's Remote Property Management Course. The eight-module online course teaches the systems Wayne and Gabby use to self-manage their rental portfolio remotely. Use code: 50OFF at: www.reimasters.ca REI Masters Mentorship Work directly with Wayne and Gabby on acquisitions, market selection, financing, deal analysis, property management and building a profitable Canadian real estate portfolio. www.reimasters.ca Watch the Morning Show Join Wayne and Gabby every weekday morning at 7:00 AM Mountain Time on YouTube. Follow Wayne Hillier – Real Estate Investing Coach on YouTube. Questions: info@reimorningshow.com Upcoming Event REI Masters Annual Retreat Edmonton, Alberta October 17–18, 2026 www.reimasters.ca Sponsors Calvin Realty – Edmonton Investor-Focused Realtor Team www.calvinrealty.ca Finngo Bookkeeping & Tax Specialized bookkeeping and tax services for Canadian real estate investors. www.finngo.com/rei Kirkwood & Brennan Mortgage Group Investor-focused mortgage planning for Canadian real estate investors. www.kbmortgages.ca keaton@kbmortgages.ca

Australia launches campaign for two-year seat on UN Security Council - Finland is the only competition so far.

Australia launches campaign for two-year seat on UN Security Council - Finland is the only competition so far.

Video link to this episode: https://youtu.be/LK2b0mAYKqAI'm tired of big youtubers conflating all Hasidic groups as one. They are so different.The community in Crown Heights is really different from the communities in Williamsburg.I visited both Brooklyn neighborhoods in order to show you how they are different.Credit:*Videography* -Cristian Delvalle / https://www.instagram.com/cristiandelvallecaicedo/Max *Edit-* Steve Milligan / https://www.instagram.com/shootitsteve/Lee Kupac / https://www.instagram.com/alice.kpc & https://readymag.website/u3245558506/6471652/0:00 Getting kicked out of Williamsburg1:09 Introduction to Hasidic groups3:00 1. Insularity versus outreach7:58 2. Women's spaces and feminism11:46 3. Clothing differences14:10 4. A sense of themselves in relation to others15:50 5. Population size16:55 6. The neighborhood look17:48 7. "The rebbe"18:50 8. Fights and feuds20:46 9. Israel and zionism21:33 10. Neighborhood aesthetics22:22 11. Yiddish, Hebrew, French, English, etc.22:52 12. Conflict between Chabad and Satmar24:55 13. FOOD!25:38 BONUS: Marathon and paradeBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-frieda-vizel-podcast--5824414/support.

Le son “hum” est un phénomène perceptible par seulement 2 à 10 % de la population. Il est décrit comme un vrombissement très bas, et est comparé au son d'un moteur diesel ou d'un avion. Les premiers témoignages remonteraient aux années 40-50 dans les régions de Londres et de Southampton. A ce moment-là, certaines personnes rapportaient un vrombissement constant semblable à celui d'une ruche d'abeille.  D'où vient le son “hum” ? Avons-nous des explications scientifiques ? Ce son est-il d'origine terrestre ? Écoutez la suite de cet épisode de Maintenant vous savez ! Un podcast Bababam Originals, écrit et réalisé par Hugo de l'Estrac. Première diffusion : décembre 2024 À écouter ensuite : ⁠Qu'est-ce que l'effet Dunning Kruger, ce phénomène de sur-confiance en soi ?⁠ ⁠Qu'est-ce que le paradoxe de Fermi ?⁠ ⁠Qui est Abou Mohammed al-Joulani, qui a fait tomber Bachar al-Assad ?⁠ Retrouvez tous les épisodes de "Maintenant vous savez". Pour rester informé et recevoir le meilleur de “Maintenant vous savez” chaque semaine, abonnez-vous à notre newsletter. Suivez Bababam sur Instagram. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's hoped Clare's older population will have access to a free shingles vaccine in the near future. Health Minister Jennifer Carrol McNeill confirmed the vaccine was being considered following a push from Clare Fine Gael TD Joe Cooney. The National Immunisation Advisory Committee states the vaccine should be considered for those aged over 65 due to the 'greater burden and severity of the disease'. Bodyke Deputy Joe Cooney, says it's likely the vaccine will be made available to those aged over 75 first.

This show has been flagged as Clean by the host. Civilization VI, made a number of changes, and one of the biggest was the introduction of Districts. Buildings that perviously would have just been part of the city now had to be built in special districts, and the game limited how many of them you could build in any one city. This forced you to make choices, and making choices is the heart of the Civilization series. Playing Civilization VI, Part 1 Districts As we have said before, the rule for each new version of Civilization is that 1/3 stays the same, 1/3 is tweaked, and 1/3 is new. So among things staying the same is the Hexagonal grid first introduced in Civ V, along with the usual roaming tribe in 4000BC. But the handling of terrain that a city can use has changed. The old Big Fat Cross was dropped in Civ V, and replaced with a large Hexagon. And how you use the terrain has changed. In older versions of Civilization, the terrain was mostly used for either farming or mining. It was all about resource extraction, in other words. All of the Buildings you constructed you could think of as abstract, or as all living in the City Center. The only reason you had for making different choices in the Build queue was if you didn't have enough time or resources to build everything. As a result, many cities looked very similar in what got built. You would put a Granary in each city to help it grow, a Barracks in each to build your troops, a Temple in each city to gather Faith, and so on. There wasn't much a decision here, or at least not enough to satisfy Ed Beach, the Chief Designer of Civ VI. So he came up with a new land use system involving Districts. With this system, you had to allocate land in your city for most things you would build. If you wanted to focus on Science, for instance, you would have to allocate a tile to a Campus district. Then, inside this district you could build a Library, a University, an Obervatory, and a Research Lab. But that is the only place they could be built. Furthermore, to prevent you from building every district, they limited the number of districts each city could have based on its population. You can always build one district with a new city, but to build another you need to get to a population of 4, and you get the ability to add a District with each additional increment of 3, so at Population 7, 10, 13 you get the ability to add a District. And these Districts have to be constructed as part of the normal city Build process. So in the above example, you would first have to build the Campus district, and when that was complete you could then build the Library to put inside it. And for both the Districts and the buildings inside of them you need to research certain technologies before they become available to you. Where to locate your districts becomes an issue as well. First of all, the tiles available to you are also your stock of tiles for building Farms and Mines, so you need to make choices here. Of course, making choices is the basis them of all Civilization games. Then there are the adjacency effects of terrain tiles. Both Campus (Science) and Holy Site (Faith) districts benefit from being adjacent to Mountains, and the adjacency effects are cumulative, so a tile with mountains on 3 sides can have major bonuses. But since this affects both kinds of Districts, again you have to make a choice. If you are aiming at a Science Victory, or a Religious victory, the choice will be easier, but in case you need to choose. As to placing a District, when you decide to build one you will get a highlight on the map of locations that are permissable. But if you have several such sites, you need to choose which one fits your strategy best. District Types There are a lot of Districts you can build and listing every one of them here would be tedious. Some are only relevant to late-game situations, others address issues like Housing and Amenities, which we will discuss separately. But there is group of core Districts that every player will need to deal with from the beginning: City Center – This is one you get automatically when you build a city, and can hold a Granary, a Monument, a Water Mill, and various levels of Walls, ranging from Ancient to Renaissance. Campus – This is the Science district, and is unlocked by discovering Writing. That comes pretty early so you will get this capability quite easily, but if you are going for a Science victory you might want to make a beeline for Writing. Remember that if you go into the Tech Tree you can click on a tech to select it, and the game will automatically research it and all of its prerequisites. This is very handy for simplifying Research choices. As mentioned, an adjacency bonus is +1 Science for every adjacent Mountain, but you can also get #1 Science for every 2 Rainforest or District tiles. Don't worry about memorizing these bonuses, they will appear on the map when you are selecting a spot to place your District. Campuses contain Libraries, Universities, Observatories, and Research Labs. And the more built up your Campus Disctrict is, the more Great Scientist points you accumulate. If you want a Science victory you should make it a priority to get Camapus districts put down ASAP in at least a couple of cities, since the effects build like compound interest. Theater Square – This is the Culture District, and is unlocked by discovering Drama and Poetry. That is a somewhat later tech, use the technique of clicking on it in the Tech Tree to get there quickly if you want to pursue a Culture victory. It contains the Amphitheater, Art Museum, Archeaological Museum, and Broadcast Center. It gives +2 Culture from each adjacent Wonder, and +1 Culture from each 2 adjacent Discrticts. The buildings all have slots for holding Great Works, and generate points for Great Writers, Great Artists, and Great Musicians. Holy Site – This is the Religious district, and is unlocked when you discover Astrology, which is a fairly early tech. This district contains Shrines, Temples, and other Worship buildings. It generates Faith, which can be surprisingly useful. Civ VI introduced a new system of relgious warfare and new Religious victory type, but in some circumstances you can use Faith to purchase Units and Buildings, so even if you are not intending a Religious victory you should not overlook it. This district generates Great Profit points. It has adjacency bonuses of +1 Faith from every adjacent Mountain tile, and +2 Faith from every adjacent Natural Wonder, so if you are lucky enough to have a Natural Wonder in your city keep this in mind. Encampment – This is the Military district, and is unlocked by discovering Bronze Working, a very early tech. By building an encampment you can build units that start out with higher Veteran status. In Civ VI I like to build one or two of these in my Empire and use them to construct all of my units. Remember, in Civilization you always want to maintain a strong military to deter your rivals. Buildings include Barracks, Stable, Armory, and Military Academy. This District produces Great General points. It has no adjacency bonus, and cannot be built next to the City Center. But it has strong Defense and can function like the City Center in terms of defense and bombardment capabilities. All newly produced or purchased units will appear in this District, not in the City Center as would otherwise happen. I like to build this on land that is otherwise of low value, like a Desert tile. Commercial Hub – This is the Commerce district, and is unlocked by discovering Currency. The Buildings you can place in this include the Market, the Bank, and the Stock Exchange. Adjacency bonuses include +2 Gold from an adjacent Harbor, and +2 Gold for each Adjacent river. So if your city includes a river that runs into the ocean, place a Harbor in the right spot and then a Commercial Hub and watch the Gold pile up! The Commercial Hub generates Great Merchant points. In addition, a Commercial Hub gives you one additional Trade Route, another way to generate more cash. As we have seen in this series, in all Civilization games a healthy Treasury is a major part of a successful game no matter what Victory type you are pursuing. Harbor – This is the Seafaring District and is unlocked when you discover Celestial Navigation. Buildings in this district include Lighthouse, Shipyard, and Seaport. And if you don't have a Commercial Hub in the city, adding a harbor can give you one additional Trade Route. Adjacency bonuses include +1 Gold from each adjacent Coastal resource, and +1 Gold from every 2 adjacent District tiles. There is also a bonus of +2 Gold if adjacent to the City Center. This district has to be built in Coastal waters adjacent to Land, but note that the City Center does not need to be on the Coast to build this. You just need to have Coastal Waters available within your city. This district generates Great Admiral points. While this district is important for projecting Maritime power, it is equally useful for generating Gold, reflecting the fact that historically Maritime powers have been the most successful traders and the wealthiest nations. Industrial Zone – This is the Production district, and is unlocked when you discover Apprenticeship. Its buildings include the Workshop, the Factory, and the Power Plant. Adjacency bonuses include +1 Production from each adjacent Quarry or Mine, and +1 from each two adjacent Districts. One interesting thing is that some of the prodction bonuses from this district can applly to any City whose City Center is within 6 tiles, so it is possible by careful placement to have one Industrial Zone that benefits 2-3 cities. This district generates Great Engineer points. These are the major districts you will be dealing with, and note that each one generates Great Person points. But note also that there are 7 of them. You can certainly have a large Empire that contains at least one of each. But to have all of them in one city would require a population of 22, which can happen if you aim for it, but also would mean very little in the way of farming or mining. I have seen expert players do a “one city challenge” where they attempt to win a victory with only one very large city, but I have never been interested in that sort of thing. I play to relax and enjoy myself. And one more thing about adjacency bonuses: you get bonuses even from Districts in a different city. As an example if you place a Commercial Hub from City A next to a Theater Square from City B, both Districts can benefit from the adjacency. Links https://civilization.fandom.com/wiki/District_(Civ6) https://www.palain.com/gaming/civilization-vi/playing-civilization-vi-part-1/ Provide feedback on this episode.

Joyce talks about: Government officials also caught up in fraud scandals across the nation. Flock cameras. Authorities ask, do we want safety or privacy? The Sprawl in California. Population overgrowth leading to congestion, rising cost of living, poor quality of life, and residents are leaving. The canary in the mine. Illegal immigrant leads Ponzi scheme that scammed well-known athletes out of millions. Detroit News endorses Mike Rodgers for Senator over Abdul El-Sayed in Michigan. Democratic candidate Krista Perez charged with a DUI. AI data center costs and who should bare the costs.Thomas Massey writes a resolution to impeach Pete Hegseth over his reported disregard for civilian lives in Iran. Lawsuit filed against Dearborn, Michigan alleging city officials use city funds to promote Islamic holidays and celebrations but refuse to do the same for Christian and Jewish holidays and celebrations. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For nearly a century, Australians have believed that around 250,000 people lived here before colonisation. New research from a national team of academics suggests that number is far too low. They believe there could have been about 2.2 million Indigenous Australians living here before the British colonised the continent in 1788. SBS News reporter Josie Harvey spoke with Corey Bradshaw, a professor of global ecology at Flinders University, who co-led the research. He says the findings point to a devastating population decline by more than two million after 1788, driven by disease, violence and dispossession. Professor Bradshaw says understanding that history is vital to truth-telling, reconciliation and recognising the resilience of First Nations communities.

Learn proven strategies for landing trophy bass more consistently. We cover choosing productive lakes, early pre-spawn staging areas, how weather creates feeding windows, fishing deeper transitions, and the best soft-plastic presentations, including HellaMite, Scorpion, Lizards, Beetles, Worms, and MagDingo. Practical tips plus the FreshBaitz gear that matches each situation.Become a supporter of this podcast: https://www.spreaker.com/podcast/bass-cast-radio--1838782/support.Become a Patreon memebet now for less then a pack of worms you can support Bass Cast Radio as well as get each epsiode a day early & commercial free. Just click the link below. PATREON 

(0:00) Intro(0:02) Ludo Khelna?(0:06) Dua Karne ka Tariqa?(0:37) Fajr ka Waqt Dakhil Ho Jaye To Tahajjud Parhna?(1:15) Mufti Sahab ki Shakhsiyat aur Bayanat par Aitraazat Kyun?(1:58) Mufti Sahab ki Arabi Adab, Grammar, Hadis, Fiqh aur Tafseer-e-Qur'an mein Maharat(2:34) Mufti Sahab ki 26 Saal ki Ilmi aur Tehqeeqi Khidmaat (Jamia Tur Rasheed mein)(3:05) Dars-e-Bukhari aur Dars-e-Mishkat by Mufti Sahab(3:15) Mufti Sahab Sirf Shadiyon aur Latifon par Baat Nahin Karte!(3:48) Mufti Sahab ki Masail mein 26 Saal se Tehqeeq(4:34) Muftiyan-e-Kiram se Masail Poochhna?(5:18) 2011 mein Jab Mufti Sahab ko Fatwa Dene ki Ijazat Mili(6:42) 2026 mein Mufti Sahab ke Dar-ul-Ifta ka Qayam!(7:21) 8 Saal ki Taleem aur 26 Saal ka Tajurba vs Aaj ke So-Called Scholars(8:03) Nabaligh aur Baligh Bachon ki Mushtarka Zameen ka Masla?(24:27) Beetroot Juice ki Recipe(31:26) Khawateen par Haliya Zulm ke Masail ka Hal?(34:19) Karachi ka Culture Kyun Badla? (Is Eid par Clifton mein Mufti Sahab ka Tajziya)(42:31) Muslim League ke Assembly Member ke Ahmaqana Bayan par Mufti Sahab ka Zabardast Jawab!(44:58) Bangladesh ki Currency Barhne ki Wajah(45:25) Mufti Sahab ke Bayanat Sari Duniya mein Sune Jane ki Wajah(45:55) Sari Duniya mein Indians aur Pakistanis ki Maang(46:45) Italy aur Japan ke Bare mein Mufti Sahab ki Peshgoi(48:19) Mufti Sahab ke 19 Bachon par Aitraaz Karne Walon ko Zabardast Jawab!(50:38) Awam ki Taqat(51:45) Presentation Made by Mufti Sahab(52:29) Resources vs Population(54:00) Zyada Bachon ka Faida(55:14) Karachi ka Mahol Kharab Hone ki Wajah Hosted on Acast. See acast.com/privacy for more information.

Federal authorities have arrested a California man accused of orchestrating a scheme in which homeless individuals on Los Angeles' Skid Row were allegedly paid to sign ballot petitions using the stolen identities of registered voters. Callers check in with their experiences with homeless programs. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

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Federal authorities have arrested a California man accused of orchestrating a scheme in which homeless individuals on Los Angeles' Skid Row were allegedly paid to sign ballot petitions using the stolen identities of registered voters. Callers check in with their experiences with homeless programs. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

About this episode:   In August, Meta—the parent company of Instagram and Facebook—agreed to pay up to $17.1 billion to 54 states and U.S. territories over claims that it harmed children by fostering unhealthy digital habits. In this episode: An addiction researcher and an expert in adolescent mental health explain the terms of the agreement, what comes next, and what parents should take away from the larger conversation on youth social media use. Guest:  Tamar Mendelson, PhD, MA, is a professor of Mental Health and Population, Family and Reproductive Health, as well as the director of the Johns Hopkins Center for Adolescent Health. Johannes Thrul, PhD, MS, is an associate professor of Mental Health at the Johns Hopkins Bloomberg School of Public Health. Host:  Lindsay Smith Rogers, MA, is the producer of the Public Health On Call podcast, an editor for Expert Insights, and the director of content strategy for the Johns Hopkins Bloomberg School of Public Health.  Show links and related content:  Meta to Pay Up to $17.1 Billion in Landmark Settlement Over Social Media Addiction Claims—New York Times Mental Health in the Scroll Age—Hopkins Bloomberg Public Health Magazine Social Media and Youth Mental Health—Office of the Surgeon General A College Course for Digital Detoxing—Public Health On Call (February 2026) Social Media and Adolescent Health—Public Health On Call (February 2024) Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. You can also email PublicHealthQuestion@jhu.edu to request a transcript. AI disclosure (as of September 2026): The conversations you hear on the podcast are happening between real humans, and real humans are developing and researching episodes behind the scenes. In addition to real human audio engineers, Public Health On Call uses AI production tools to assist with the removal of filler words and improve audio quality. If you have any questions about our use of AI, please reach out to PublicHealthQuestion@jhu.edu.  Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌PublicHealthPod on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

HRV, vagal nerve training, and nervous system recovery are having a real moment — but most people using a wearable to track any of it don't actually know what the data means or how to act on it. Matt Bennett, founder of Optimal HRV and a former mental health therapist specializing in complex trauma, joins Freddie to explain what heart rate variability is really measuring, how resonance frequency breathing trains the vagal nerve directly, and why a validated baseline matters more than any single readiness score.They get into RMSSD vs. SDNN vs. high frequency HRV, the science behind resonance frequency breathing, and how vagal nerve training works like a strength practice — the more you do it, the more resilient your nervous system recovery becomes. Freddie and Matt also cover the everyday levers that move HRV most: alcohol, sleep consistency, fasting windows, walking, and nasal breathing. Matt closes out with how clinicians, coaches, and military performance teams use HRV data differently than the average wearable user, and why he built Optimal HRV to make vagal nerve training and nervous system recovery accessible at every price point.Podcast Highlights:0:00 – Welcome Matt Bennett & Freddie's Optimal HRV experience2:01 – Matt's path into wellness: mental health therapy & complex trauma4:04 – The missing piece: quantifying nervous system healing6:23 – Partnering with a Harvard HRV researcher on resonance frequency breathing6:46 – HRV 101: what heart rate variability actually measures9:53 – Why the autonomic nervous system runs the whole show10:03 – Is low HRV always bad? Population norms explained12:32 – Can HRV be too high? Pacemakers, beta blockers & outliers14:18 – Freddie's data: fasting windows, exosomes & recovery spikes15:17 – The real cost of alcohol on HRV18:36 – Sleep consistency, cold plunge timing & circadian cues21:03 – The four pillars: sleep, nutrition, movement, breathing23:25 – Nasal & diaphragmatic breathing vs. mouth/chest breathing24:33 – Sprint intervals, Carol Bike & low-tax cardio25:30 – Finding movement that fits your life28:12 – Why hiking is Matt's HRV sweet spot28:41 – Readiness scores: are Whoop, Oura & Garmin actually valid?31:23 – RMSSD, SDNN & high frequency HRV, explained simply36:48 – The one metric to track if you only track one37:11 – What makes Optimal HRV different from a wearable39:19 – Resonance frequency breathing & finding your number41:30 – The vagal break: training your nervous system like a muscle45:17 – What strengthening the vagal break actually changes49:13 – Pricing, compatible devices & getting started53:16 – How much daily practice actually moves the needle58:01 – Resonance breathing for sleep, performance & flow state1:04:29 – How clinicians, coaches & military teams use this data1:08:43 – Device compatibility & where to start1:11:09 – Closing thoughts & where to find Optimal HRVTry Optimal HRV: https://www.optimalhrv.com/Connect with Optimal HRV on socials: https://www.instagram.com/optimalhrv/Upgrade Your Wellness:LightPathLED Red Light Therapy: https://bit.ly/4gwYiUhCode: beautifullybrokenExplore Aurawell PEMF and Magnawave: https://calendly.com/freddiekimmel/let-s-conect-cloneSilver Biotics Wound Healing Gel: https://bit.ly/3JnxyDD30% off with Code: BEAUTIFULLYBROKENMaxGen Labs: https://maxgenlabs.com/BEAUTIFULLYBROKEN CONNECT WITH FREDDIEWork with Me: https://www.beautifullybroken.world/biological-blueprintWebsite and Store: (http://www.beautifullybroken.world) Instagram: (https://www.instagram.com/freddie.kimmelYouTube: https://www.youtube.com/@beautifullybrokenworld Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With the weather getting warmer, yellow-legged hornet hunters will soon learn if their big push to kill the invasive species has been successful. Ingrid Hipkiss spoke to Mike Inglis, Biosecurity New Zealand's commissioner for the north, on what people should be looking out for.

Send us Fan MailFor this episode of Understanding Israel Palestine: Beyond the Walls, Jeremy Rothe-Kushel speaks with Stacy Gilbert about the background of her public resignation from the Biden State Department, the longterm humanitarian crisis deepened by the ending of US financial aid and political support of the United Nations Relief and Works Agency for Palestinian Refugees, and why all of this deeply haunts her and should publicly and politically haunt all those on up through President Biden who facilitated these crimes against humanity, and against American and International law.Stacy Gilbert is a former Senior Civil-Military Advisor in the U.S. Department of State's Bureau of Population, Refugees, and Migration, where she worked for more than 20 years in humanitarian emergencies and refugee crises worldwide. She advised U.S. and foreign militaries on humanitarian principles, civilian protection, aid worker security, and emergency response, and deployed to major crises including Kosovo, Iraq, Lebanon, Jordan, Pakistan, and Afghanistan. In May 2024, she resigned from the State Department in protest after it concluded that Israel was not blocking humanitarian aid to Gaza, a decision that drew national and international attention. She continues to advocate for humanitarian issues, adherence to law, and public accountability.Stacy will be a panelist on this month's Voices From the Holy Land film and discussion salon titled The Palestinian Exile - 78 Years and No Future about the ongoing reality and necessary humanitarian resolution to the decades long and recently escalated Palestinian UN refugee camp crisis. The salon will take on place on Sunday September 20th, 2026 at 3pm Eastern time. You can go to VoicesFromTheHolyLand.org to find out more and gain access to the films and salon.------Understanding Israel Palestine archives: kkfi.org/program/understanding-israel-palestine/Beyond the Walls newsletter: beyondthewalls.substack.com

St. Louis Development Corporation CEO Stephen Westbrooks says for downtown St. Louis to feel like a neighborhood, it needs nearly double its current population. He says new incentives can get it there.

This episode breaks down the upcoming sleep testing code changes and why they matter for sleep labs, physicians, technologists, vendors, and health systems. The STT Crew discuss how the new structure changes home testing, professional review, reimbursement, and patient triage.They also explain why so many people in sleep care still do not realize these changes are coming, and what teams should be doing now before the January 2027 rollout.Key topicsIn this episode, the hosts explain that the current home sleep testing codes are set to sunset at the end of the year, with a new framework expected to launch January 1, 2027.The Crew lays out the new home testing tiers:Low complexity — 3 to 4 channels, CPT 95X18Moderate complexity — 5 to 10 channels, CPT 95X19High complexity — 11 plus channels, CPT 95X20, which includes home PSGTimestamps(00:00) Sponsor messages and episode setup(02:02) Introducing the new PSG code changes(02:59) Why most sleep professionals missed the coming changes(04:15) Fragmented communication in sleep care(05:42) Technical and professional billing are separating(06:42) Home PSG and the new high-acuity testing tier(08:16) Why physicians may need to review more than AHI(09:41) Why vendors cannot yet define the new channels(10:50) What sleep providers should do right now(11:20) Early reimbursement estimates and operational concerns(12:31) Derived channels, device selection, and policy updates(13:23) Payer contracts and vendor agreements may need revision(14:45) The three home testing complexity tiers(16:15) Why in-lab sleep testing is not going away(17:13) CMS, utilization control, and triage strategy(20:07) More data at home, more access to care(23:36) Hospital screening and inpatient sleep apnea risk(25:22) Population health outreach using AI and EHR data(27:57) Final takeaways on preparation, uncertainty, and timing(31:02) Important dates — comment period, November release, January 1 launchShare your opinion and comment on the codes here:https://aasm.org/new-unattended-sleep-testing-cpt-codes-cms-proposed-rule/ A huge thanks to our sponsors:Fisher & Paykel Healthcare  Discover how F&P full-face masks have led millions of people to a great night's sleep at https://www.fphcare.com/curiosityhttps://www.fphcare.com/us/homecare/sleep-apnea/Philips Healthcare   See how Philips is supporting you and your patients with meaningful innovation. Visit https://www.philips.com/matters Soliish https://www.soliish.com/React Health  https://www.reacthealth.com/More resources for clinicians can be found at Sleep Review Magazine  https://sleepreviewmag.com/Credits:Audio/ Video: Diego R Mannikarote; Music: Pierce G MannikaroteHosts: J. Emerson Kerr, Robert Miller, Gerald George MannikaroteCopyright: ⓒ 2026 SleepTech Talk ProductionsEpisode 131The views and opinions expressed by guests on SleepTech Talk are their own and do not necessarily reflect those of the podcast hosts or SleepTech Talk as a whole. This podcast is intended for educational and informational purposes only and should not be considered medical advice. Listeners are encouraged to consult with a qualified healthcare professional for any medical concerns or questions.

Keith breaks down the "baseline trap" in investor psychology, showing how rising income and lifestyle creep can quietly undermine the feeling of financial freedom.  He then shares a grounded outlook for U.S. home prices, outlining how inflation, AI-driven job growth, limited inventory, and strong homeowner equity are shaping the market.  He closes with a data-driven look at where population growth is heading through 2040, especially in Texas and Florida, and what that could mean for long-term real estate demand and investing strategy. Episode Page: GetRichEducation.com/622 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  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. 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  0:01   Welcome to GRE. I'm your host Keith Weinhold. Investor psychology often falls into the baseline trap. Learn what's going to happen to home prices over the next year. Then more than half of America's population growth until 2040 will occur in just these two states. All today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6000 homes under management, for a free live webinar the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth again. that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth   Speaker 1  1:34   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:50   Welcome to GRE from Jackson Hole, Wyoming, to Jackson, Mississippi, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education, and Happy Labor Day. Let's talk about your investor psychology, because as you grow your wealth and your portfolio size, there is a trap that you will almost certainly fall into, and I'm not infallible. I've fallen into this trap to some extent too. That is the baseline trap. It's the tendency for every improvement in your income, your wealth, or your lifestyle to become your new normal. Once this happens, the improvement stops feeling like progress, and you need even more just to feel equally successful, if you get used to flying first class and then you have to drop back to coach again, it feels less like flying and more like being deported. Psychologically, we fall into the baseline trap because the human mind evaluates Life relatively, not absolutely. We don't simply ask ourselves how good is my life, how good is my situation. Instead, we ask how does this compare with what I've recently experienced, what I expected, and what others have, and there are a number of forces that drive the baseline trap. One is hedonic adaptation. Hedonic means pleasure seeking. People rapidly adjust to improvements. The first month of receiving a new $5,000 in passive income that feels transformative. After two years, it feels completely ordinary. The income didn't become less valuable. Your nervous system simply stopped registering it as new. Yesterday's luxury became today's wallpaper. A force driving the baseline trap is a shifting reference point. Gains and losses are measured against a mental baseline. Once your portfolio reaches, say, a $2 million net worth, well, your mind soon begins treating the $2 million as mine. You're like, hey, this is mine now, even if much of it came from recent appreciation. A decline to 1.8 million, therefore, feels like losing 200k rather than still having substantially more wealth than you did just a few years ago. Well, instead, you're only focused on the 200k paper loss. Then there's loss aversion psychologically. Losses generally hurt more than equivalent gains feel good. After a higher standard becomes normal, surrendering and. Any part of it feels like some blood-curdling loss. That's why reducing spending from 20k to 15k per month that can feel painful, even if 15k once felt luxurious to you.   Keith Weinhold  5:16   There's also the lifestyle creep component. People convert variable gains into fixed commitments. What do I mean? I mean like a strong income year. Oh, pretty soon that becomes a larger mortgage. Rental cash flow that becomes a vehicle payment. A bonus that becomes private school tuition, portfolio appreciation. Well, that supports new borrowing. See, pleasures that were once optional have now become obligations. And you got to ask, wait, how did that happen to you? You're supposed to have a life of options and not obligations. That's what financial freedom is supposed to be. The baseline then is no longer merely psychological; it becomes embedded in real monthly expenses. Then there's also the dangerous driver of the baseline trap that's called, oh no, social comparison. We commonly measure success against our peers, but instead, what you should do is measure it against your former self. Because as you become wealthier, see your comparison group changes too. If you've got five rentals, you soon stop comparing yourself with someone that owns none, you might even begin comparing yourself with people who own 50 of them, and why not? It's natural, after all. That is where you want to go, despite enormous progress. See, that's how you can feel left further behind. Then there's the recency bias. Your mind gives enormously disproportionate weight to recent experience. A few years of 15% returns, like what happened in 2021 and 2022 in real estate. Oh, you could begin expecting 15% after rapidly appreciating real estate, continued appreciation feels normal. A favorable cycle gets mistaken for the natural baseline, and then when conditions normalize, ordinary performance feels rather defective. Then there's identity inflation. That's a trap. This is when accomplishments become woven into your very identity, like I'm a multi-million-dollar entrepreneur, or I own 20 properties, or my income always grows. Okay, once success becomes identity, maintaining the baseline feels necessary just to preserve your self worth. Now, with this condition, see a temporary setback. It doesn't merely affect the numbers.   Keith Weinhold  8:08   It feels like evidence that you're becoming a lesser person, and the brain rewards progress more than possession. Humans are energized by movement toward a goal, reaching the goal often produces less lasting satisfaction than you expect. Buying the 10th rental creates a dopamine hit, and owning it three years later does not. The investor therefore creates another target, not always because another property is even needed, but because continued pursuit restores the feeling of progress, success erases the memory of constraint. As your wealth grows, it becomes difficult to remember emotionally what financial insecurity even felt like I mean you might intellectually remember earning 60k, but you no longer experience today's 300k income in comparison with it. Your comparison point quietly changes from your former life to your best recent year. The paradox is that your circumstances improve faster than your experience of them? The goal is not to stop growing; it is to prevent every improvement from becoming a new psychological necessity. Keep growing your means, but don't let success redefine enough every time you achieve it, don't let it redefine enough. Let's say you acquire rentals and you do generate another 5k per month. The trap is that your spending and expectations gradually rise by 5k. You're wealthier, but you don't. Don't feel freer. Instead of investments buying freedom, they merely finance a more expensive baseline, and it can distort how you view your portfolio. 10 properties once felt like an extraordinary accomplishment, and soon 10 feels ordinary, and 20 becomes necessary. You keep moving the finish line, and this is closely related to hedonic adaptation and lifestyle creep. But it extends beyond spending because your definition of enough keeps on rising. So the antidote certainly is not living small forever-it's deliberately separating the growth rates of your assets and your lifestyle. What you want to do is grow your means faster than you grow your baseline. Really, that's the key. You're gonna be more satisfied. Instead of simply living below your means, you sure do want to grow your means, but don't let every gain become a permanent new obligation. Let some additional cash flow purchase you things like time, resilience, and optionality-not merely nicer recurring expenses. If your lifestyle rises as fast as your passive income, you're wealthier, but no freer.   Keith Weinhold  11:28   So here's what you do: when your income rises, let your lifestyle rise about half that much. Otherwise, if you upgrade your lifestyle too much, say that you receive an extra $3,000 in monthly rental income, then you add in a luxury car payment, better vacations, and more expensive restaurants. Pretty soon, that extra 3k that feels necessary instead of liberating, and then there's also the record income comparison part of the trap. Say your business earns $1 million during an exceptional year. The next year, it earns a still impressive 850k, but you experience it as failure because the unusually strong year became your new baseline. Don't let that happen. You can compare yourself to others that can be motivating, but the more important comparison is to the former you. Now, another way that investors fall into the baseline trap in real estate is how an exceptional market becomes the standard. Say that you bought rental properties in 2012. Well, 2012 was perhaps the best time to buy real estate in generations. This was shortly after the global financial crisis, so there was this confluence of low prices, low interest rates, strong cash flow, and you had little competition as well. I mean, you had it all in 2012, and those deals performed spectacularly in today's market. Available properties produce lower initial cash flow, but they could still deliver respectable total returns through appreciation, rent income, principal paydown, tax benefits, and inflation profiting. But a losing investor rejects all of those things because they aren't as attractive as the once-in-a-generation deals of 2012, or even the rock-bottom low-rate days of 2020, they fell into the baseline trap. The trap here is that an unusually favorable period for real estate became the new benchmark. It's sort of like how last week I told you about how the deal structure always changes over time from the Reagan administration until today. Today the deal is with Burr properties, and it's also with buying new builds with rate buydowns. But see, in 2012 there were almost zero available new build properties that were created for investors to rent to others.   Keith Weinhold  14:25   Over time, with these new builds that you're adding now, you're going to have fewer maintenance and repair expenses. Tenants tend to stay in new builds longer, and new builds appreciate better over the long run. See, I wasn't getting any of those benefits in 2012, and I bought rental real estate in 2012, and I bought real estate recently as well. Not falling into the baseline trap, because today it's still difficult to find any investment bet. Than residential real estate with a loan, it is a scarce asset that people are going to continue to need. So here we are today, about 15 years on from 2012. Water market conditions like now. Let's talk about that and what can we expect for the next year? National home prices keep rising, but they're only about one half of 1% higher than they were a year ago. I mean, that's an appreciation level with the enthusiasm of someone attending a seven a.m. meeting. I do expect national home prices to keep rising modestly over the next year. Let me tell you about why, and then what the drivers are. And to be clear, we're talking about single-family homes up to fourplexes here. I'll discuss apartments later today. Well, the drivers for continued price growth are many of the same reasons that home prices are up just a little since last year. There are four of them. These four are inflation, the AI boom, short inventory, and a lack of distressed sellers. So let's unpack all of these four factors that I've identified for putting a floor underneath home prices, inflationary pressure is poised to raise replacement cost, energy, wages, and tariffs make those inputs more expensive, and the more war we have, the more inflation we have. A home is a bundle of land, labor, lumber, concrete, copper, and all sorts of energy inputs, plus 14 trips to Home Depot because someone forgot the correct nails and screws. That's what a home is. Recent home price growth it has lagged today's 3.4% CPI inflation rate. So again, we're not even talking about inflation-adjusted gains here. AI that creates local housing heat. It's not so much a nationwide driver of home prices. And in a moment, I'll tell you the top five housing markets for AI-led home price growth, but how does AI investment push up home prices anyway? How does that happen? People are getting high salaries, signing bonuses, and stock options that produces well-funded buyers. They make big down payments, or they even pay all cash for homes, and when a buyer pays all cash for a home, they can pay absolutely any price because they don't have to get an appraisal that comes along with a loan for a financed property.   Keith Weinhold  17:53   That's how all cash buyers can really push up prices. The growth in AI companies that has really helped push the S and P 500 higher that fuels a wealth effect nationwide that makes everybody feel wealthier regardless of where you live as long as you're invested in the stock market but the localized effects with those higher AI wages and signing bonuses in order they are most potent in San Francisco, San Jose, Seattle, New York City, and Boston, and none of those are good cash flow investor markets. Still, short housing inventory is contributing to higher prices, and hey, it's time that we check on this again. Ever since the inventory crunch started to plummet in 2021 and reached its lowest point in 2022, I've been updating you on the housing supply, and I always keep it same same. I cite the same data source, the Federal Reserve Economic Data's active listing count, Fred's active listing count, which counts single-family and townhomes and condos, all wrapped up in this number. And the figure it still hasn't recovered at 1.1 million homes. Now it is 2% higher than last year, 2% more supply than last year, but overall housing supply is still 9% below pre-pandemic levels. And there's one important thing to keep in mind that most don't think about when you hear that figure that housing supply is 9% below pre-pandemic times in 2019, that does not mean we're 9% short. That is because even in 2019 there was a housing shortage, and we are 9% below that yet, keeping. Upward pressure on prices and the most supply-constrained markets today. It includes both good and poor cash-flowing investor markets.   Keith Weinhold  20:10   They are New York City, Chicago, San Francisco, Hartford, Providence, Milwaukee, Boston, Cleveland, Virginia Beach, and Kansas City. All of those places remain especially tight with housing inventory, and then finally, this fourth of four reasons I've cited for continued upward pressure on home prices are the fact that distressed sellers-they are few and far between-and you need a lot of those in order to have a serious down cycle, after the 2008 housing crash, millions of owners were underwater. They owed more on their homes than they were worth. Lending standards were irresponsibly loose. Adjustable rate mortgages were resetting higher. I mean, a lot of people had little choice but to sell or to hand the keys back to the bank. Distress, distress, distress. Today is almost the mirror image. Here's what's really happening with homeowners having this record equity position today-an average of over $300,000. Many also locked in at fixed mortgage rates below 5% it means that they're enjoying perhaps the cheapest long-term debt that they are ever going to have. Lending standards have been strong, foreclosure rates remain low, and virtually nobody is being forced to sell. That matters more than most people think because housing crashes need a lot of forced sellers, owners who must accept almost any price in order to escape the property. But today, most homeowners they can simply either stay put, or if they're going to move out of the home, keep it and rent out the home, or they can wait for a better offer. No distress. In other words, buyers might be frustrated, but sellers-they're just not desperate. And without desperation, it is difficult for home prices to fall sharply. So the bottom line here with today's home prices and looking into next year, home price growth is apparent, but it's weak. The ingredients for a national price collapse are nowhere to be found, so this does not spell boom or crash. Home prices appear poised to keep slowly grinding higher, but with this low affordability, that keeps them from soaring, say 10 or 12% higher. I don't see that happening. And of course, each December, I make my home price forecast to the exact percentage point for the year ahead, so you can look forward to that soon. The Get Rich Education home price appreciation forecast that I made late last year for this year. It looks like it's going to be almost spot on. Of course, unlike a lot of analysts, transparently, I also give you the result of how closely the forecast hit the target every year, so you can look forward to that too. Hey, if you like this show, there's more content where this comes from. Sign up for our complimentary newsletter. That way, you can see the graphs and charts and maps that I break down. If you like what you hear on Get Rich Education, every week I show you what's really happening with real estate rents, inflation, interest rates, and the economy, and more importantly, what you can do about it. You'll get sharp insights, useful opportunities, and a few laughs along the way. Yeah, a couple knee slappers sprinkled in there with actionable strategies, like the savviest way to get rent increases. Get smarter in just a three to four minute read every week. Join 1000s of smart investors right now at greletter.com because your inbox could use fewer coupons and more financial freedom. That is greletter.com. More straight ahead.   Keith Weinhold  24:20   I'm Keith Weinhold. You're listening to Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com. Let me ask you something. If you've worked hard to build wealth, is your. Money positioned to actually support your goals. A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. 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 to 66866. That's family to 66866.    Dana Dunford  25:59   This is Hemline's co-founder Dana Dunford. Listen to Get Rich Education with Keith Weinhold, and don't quit your daydream.   Keith Weinhold  26:15   Welcome back to Get Rich Education. I'm your host Keith Weinhold. There will only ever be one episode 622, and you're listening to it. I hope you're enjoying the late summer. I'm wringing every bit of time and enjoyment out of it that I can. I don't know if this part was enjoyable, but I ran an all-out mile on a track. I wanted to see how fast I could run a mile. I had a friend pace me, and I got a 631. I was happy with that since I hadn't done any specific training. Yes, a mile is more than four laps on a track as well. Did you know that? Yes, this detail-oriented shaved mammal here diligently measured off that extra nine point something meters. Ah, I'll tell you that fourth lap hurt so badly that if my buddy weren't there, I might have just quit and not finished the mile. But summer's days are numbered, and that's too bad because it is my favorite season of the year. The NFL season kicks off in just two days on the ninth, with Seattle hosting the New England Patriots in a rematch of last year's Super Bowl. So then, I guess it looks like your productivity for the week will end with a respectable two-day run as you tune in to that game. Where is the future demand for real estate going to come from? It comes from a growing population. The U.S. is expected to add 21 and a half million people from 2025 to 2040. 21 and a half million more people. The overall population it's expected to grow from about 341 million up to 363 million. That is where we're going. That's per the Census Bureau and the University of Virginia, projecting 341 up to 363 by the year 2040, which is just a little over 13 years away. Okay, so that part is not so surprising, but here is what is absolutely staggering: more than half of this entire increase is projected to occur in just two states, just two of the 50 states, more than half of the increase. Do you know what they are? In fact, I showed you a map of this in a recent newsletter, but I can talk about it and expand on it more here.   Keith Weinhold  28:52   The two states that are expected to account for more than half of the nation's overall population growth through 2040 are Texas and Florida. They're already the second and third most populous states, respectively. It's kind of like America looked at the map, checked their weather app, and started packing sunscreen. Texas is expected to add 6.6 million residents. Florida welcoming another 4.6 million during this span. So that is over 11 million new people between them. This is like taking the entire population of Georgia and dropping it into those two already booming states, that much growth in this fairly short period of time, for real estate investors, more people that generally means more demand for our housing product, and I'll get back to the staggering Texas and Florida imbalance in just a moment. Because there are big gains in other investor-friendly southeastern states like Georgia and Tennessee, the Mountain West should swell alone. The South, okay, the region that the Census Bureau delineates as the South, which sort of runs from Maryland all the way down south and then west out toward Texas, the South just until 2040 is expected to account for 78 percent of the growth. That is just staggering. Cash flow hotbed Indiana that should grow by nearly a quarter million residents as well. The Carolinas are ballooning. Already the most densely populated state in the nation, New Jersey, that will get more dense with some pretty healthy population growth. Its residents have not discovered elbow room, but not every state is adding population. 14 states are expected to shrink, led by Illinois losing 650,000 people and New York down 457k. Again, this is all through 2040. In fact, a small loss cluster actually runs through the South, though West Virginia, Mississippi, and Louisiana-they're projected to lose 440,000 people combined. You know that whole theory that sometimes you hear people talk about, like with Earth warming and drying, you're going to have people stampeding toward the freshwater Great Lakes states. That is probably farcical. That just has not shown up in the data. That people are moving in droves to say cooler Michigan and Wisconsin for those reasons.   Keith Weinhold  31:46   It's just not happening now. Of course, population projections are not delivered from Mount Sinai on stone tablets. Besides births and deaths, the level of future immigration, of course, that's the real wild card here. After the Trump presidency ends by 2029, the next administration that could tighten or loosen the immigration spigot, that could materially reshape the map. But they're probably not going to tighten immigration. I mean, they couldn't because the flow really couldn't be crimped much more than it already is. People love to poke fun at California, but even in 2040, it is expected to barely retain its crown and edge out Texas to still be the most populous state: 39 million versus 38 million, respectively, for California and Texas by 2040. But yeah, Texas and Florida-they are the real stories here, and why droves of people are attracted there for cheaper housing, jobs, warm weather, a business-friendly environment, and Texas and Florida are also places where builders can still build without completing some side quest worthy of a video game with all their permits and regulations and roadblocks. You're largely free of those things in Texas and Florida. Now there are two more important factors to keep in mind here. Some bigger picture context. I've talked before about how the overall American mobility rate is down, and this is a long, long trend. Decade after decade, fewer people move and more people stay put, which is contrary to popular belief. This lower mobility rate, and another factor that gives you perspective is that as real estate investors, we know all this stuff I've been talking about here. These population changes-they only look at the demand side. The supply side matters just as much, despite their slower population growth. Northeast and Midwest states build less new inventory, and that is why Northeastern and Midwestern housing prices and rents are still growing faster today than they are in the Sun Belt, despite all of those Sun Belt construction cranes. You know, too many construction cranes. It looks bullish, and it actually is, but it spikes supply and it suppresses prices. And really, the bottom line here with American population growth from now until 2040 is follow the people, but count the rooftops. Population growth creates housing demand, while limited construction creates scarcity.   Keith Weinhold  34:46   The best opportunities often emerge where those two forces collide. That's what you really want to look for: demand and scarcity. Now, the apartment space. We all know that's been beleaguered for about three or four years, ever since higher mortgage rates set in and high construction levels conspired to keep apartment rents suppressed. In fact, multifamily construction had a peak in this cycle during 2024. That's when 600,000 units were built back in 2024. That was the most new apartment supply since 1986. That is when Cheers, MacGyver, and Miami Vice were on television. Run DMC was on urban radio. MTV was a dominant cultural force, the most new apartment supply since 1986. That's when kids were playing with GI Joe's, He-Man, and My Little Pony. For adults, fashion-wise, they were wearing enough shoulder padding to survive a minor collision. So, lots of new apartment supply to get absorbed. It is getting more and more absorbed. There are more signs there now because the national median apartment rent has now increased for seven months in a row. That's according to Apartment List. Also, the apartment vacancy rate has dropped for six straight months, and do you have any idea what the national apartment vacancy rate is? It has dropped down to now 7.1% Inevitably, overbuilt apartments will be absorbed with a growing population. Lots of great episodes coming up here on the show, where you might be in for a surprise next week. A renowned macro economist will be here on the show with us. I think we all know that in 1971, the U.S. had a lot of economic changes. That's when Nixon completely eliminated us from the gold standard, and the economic system shifted from capitalism to creditism back then. Well, now we appear to be leaving creditism and entering a new economic phase. This could be seismic. Next week here on the show, he'll reveal what the new era is called and how you need to prepare for it, that's next week here on episode 623. If you haven't yet, be sure to hit the follow button or subscribe button on your podcatcher so that you don't miss it.   Keith Weinhold  37:31   Again, if you like what you hear here each week, the GRE "Don't Quit Your Daydream" letter gives you the sharpest ideas of the week in about three or four quick hitting minutes, you'll get surprising housing data, wealth building strategies, timely opportunities, news that a lot of times you can't get anywhere else, and maps and charts that make you say, "Wait, what? It's smart, useful, entertaining, and completely free. Thousands of investors read it every week, and believe it or not, I'm actually more of a writer than a talker. Don't just listen to Get Rich Education, get the letter at greletter.com. That's greletter.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  38:23   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Keith Weinhold  38:51   The preceding program was brought to you by your home for wealth building, getricheducation.com

We step back to synthesize what's changed in wild turkey science since the show began and where the biggest open questions still remain.   Resources: Huang, M. H., Demarais, S., Brookshire, W. C., & Strickland, B. K. (2022). Analysis of supplemental wildlife feeding in Mississippi and environmental gastrointestinal parasite load. Frontiers in Veterinary Science, 9, 995437. Huang, M. H., Demarais, S., Strickland, B. K., & Brookshire, W. C. (2022). Identifying aflatoxin exposure risk from supplemental feeding of deer. The Journal of Wildlife Diseases, 58(2), 384-388. Impacts of vegetation structure on hen survival and nest success | Ep 195 Landscape level habitat corridor sustains turkeys | Ep 158 Longer the snood, bigger the brood | Ep 68 Population dynamics & season dates in Mississippi | Ep 02 REV and LPDV: New research on turkey disease | Ep 182 Rosenberg, K. V., et al. (2019). Decline of the North American avifauna. Science, 366(6461), 120-124. Shea, S. A., et al. (2026). Retroviral Infections Affect Survival and Clutch Size of Female Wild Turkeys. Ecology and Evolution, 16(4), e73383. Smith, C. R., et al. (2026). Annual survival and resource selection of juvenile male wild turkeys in central Tennessee. The Journal of Wildlife Management, e70255. Turner, M.A., et al. (2026). Vegetation composition and structure influences female wild turkey survival during incubation. Journal of Wildlife Management.   Enter our raffle for a chance to win a Wild Turkey Science hunt with Dr. Will Gulsby and Dr. Marcus Lashley at the historic Westervelt Hunting Lodge: https://e.givesmart.com/events/Qam/   We've launched our second online wild turkey course  ! Enroll in  Wild Turkey Manager: Biology, History & Habitat to learn about the principal biology, mating, behavior, food selection, human dimensions, hunter interactions, and historical context of wild turkeys. This course is accredited by the Society of American Foresters as a Category 2 course worth 7 Continuing Forestry Education credits. Participants can also earn up to 5 CEUs in Category I of The Wildlife Society's Certified Wildlife Biologist Program. Enroll now: https://tinyurl.com/WildTurkeyManagerBio   Be sure to check out our first comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Earn up to 20.5 CFE hours! Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (quick) listener survey - Thank you!    Check out the DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak

We step back to synthesize what's changed in wild turkey science since the show began and where the biggest open questions still remain.   Resources: Huang, M. H., Demarais, S., Brookshire, W. C., & Strickland, B. K. (2022). Analysis of supplemental wildlife feeding in Mississippi and environmental gastrointestinal parasite load. Frontiers in Veterinary Science, 9, 995437. Huang, M. H., Demarais, S., Strickland, B. K., & Brookshire, W. C. (2022). Identifying aflatoxin exposure risk from supplemental feeding of deer. The Journal of Wildlife Diseases, 58(2), 384-388. Impacts of vegetation structure on hen survival and nest success | Ep 195 Landscape level habitat corridor sustains turkeys | Ep 158 Longer the snood, bigger the brood | Ep 68 Population dynamics & season dates in Mississippi | Ep 02 REV and LPDV: New research on turkey disease | Ep 182 Rosenberg, K. V., et al. (2019). Decline of the North American avifauna. Science, 366(6461), 120-124. Shea, S. A., et al. (2026). Retroviral Infections Affect Survival and Clutch Size of Female Wild Turkeys. Ecology and Evolution, 16(4), e73383. Smith, C. R., et al. (2026). Annual survival and resource selection of juvenile male wild turkeys in central Tennessee. The Journal of Wildlife Management, e70255. Turner, M.A., et al. (2026). Vegetation composition and structure influences female wild turkey survival during incubation. Journal of Wildlife Management.   Enter our raffle for a chance to win a Wild Turkey Science hunt with Dr. Will Gulsby and Dr. Marcus Lashley at the historic Westervelt Hunting Lodge: https://e.givesmart.com/events/Qam/   We've launched our second online wild turkey course  ! Enroll in  Wild Turkey Manager: Biology, History & Habitat to learn about the principal biology, mating, behavior, food selection, human dimensions, hunter interactions, and historical context of wild turkeys. This course is accredited by the Society of American Foresters as a Category 2 course worth 7 Continuing Forestry Education credits. Participants can also earn up to 5 CEUs in Category I of The Wildlife Society's Certified Wildlife Biologist Program. Enroll now: https://tinyurl.com/WildTurkeyManagerBio   Be sure to check out our first comprehensive online wild turkey course featuring experts across multiple institutions that specialize in habitat management and population management for wild turkeys. Earn up to 20.5 CFE hours! Enroll Now!    Dr. Marcus Lashley @DrDisturbance, Publications Dr. Will Gulsby @dr_will_gulsby, Publications Turkeys for Tomorrow @turkeysfortomorrow  UF Game Lab @ufgamelab, YouTube   Want to help wild turkey conservation? Please take our quick survey to take part in our research!   Do you have a topic you'd like us to cover? Leave us a review or send us an email at wildturkeyscience@gmail.com!   Watch these podcasts on YouTube   Please help us by taking our (quick) listener survey - Thank you!    Check out the DrDisturbance YouTube channel! DrDisturbance YouTube   Want to help support the podcast? Our friends at Grounded Brand have an option to donate directly to Wild Turkey Science at checkout. Thank you in advance for your support!   Leave a podcast rating for a chance to win free gear!   This podcast is made possible by Turkeys for Tomorrow, a grassroots organization dedicated to the wild turkey. To learn more about TFT, go to turkeysfortomorrow.org.    Music by Artlist.io Produced & edited by Charlotte Nowak

Zombie ideas of overpopulation and human pestilence gets humanity tragically wrong and misunderstands the created world.  __________ For more resources visit breakpoint.org.