Podcasts about Population growth

The delivery of basic services, including water and sanitation, among others, continues to be a challenge across metros in South Africa. Annually, vast numbers of people migrate to cities in search of opportunity, work and better lives. This puts pressure on existing infrastructure, while upgrades and improvements are often outpaced by this global trend. The city of Cape Town has seen rapid population growth over the last decade, with millions living in townships and informal settlements. Lerato Dlalisa reports....

Another sign of New Zealand's growing demographic problem. Stats show our natural population growth has fallen to 18,700 for the year to June – the lowest rate since World War II. Births are at their lowest since 2003, and the number of 25 to 34 year olds is down 1.7% – adding to our productivity woes. Infometrics' Lead Demographer Nick Brunsdon told Mike Hosking the supply of young people around the world, and with other countries facing the same issue, we can't expect to bring in an exponential number of migrants every year. He says industries will be forced to improve productivity through automation and machinery and treat workers as more of a scarce resource than something they can swap in and out as needed. LISTEN ABOVE See omnystudio.com/listener for privacy information.

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What if some of your organisation's most valuable business intelligence came from space?  This episode explores how satellite data is helping organisations improve decision making, reduce risk and uncover new opportunities.  It explains why the commercial value of the space economy is no longer centred on launching rockets, but on using space-enabled data to solve real business challenges here on Earth.  From agriculture and mining to finance, sustainability and infrastructure planning, the discussion explores how Earth observation, AI and geospatial analytics are helping organisations make faster, more informed decisions.  Research backs up this opportunity.  A new Deloitte report, The Space Edge, argues that by 2030, Southeast Asia could unlock US$100 billion in economic value - not from launching into space, but from using space‑enabled technologies to improve decision-making across industries.  In this episode you'll learn:  Why the space economy has shifted from rockets to business intelligence  How satellite data supports better operational and investment decisions  Where competitive advantage may emerge over the next five years  How satellite data is already being used in agriculture, insurance, infrastructure and logistics  Why Southeast Asia is uniquely positioned to benefit  What business leaders should do now to take advantage  Listen in now to learn more insights.  Host: Elinor Kasapidis, Chief of Policy, Standards and External Affairs, CPA Australia  Guests: Michelle Khoo, Center Leader, Deloitte Center for the Edge Southeast Asia, where she leads frontier innovation initiatives spanning emerging technologies such as AI, quantum computing, and space technologies, helping organisations translate complex trends into practical action. Michelle has advised C-suites and Board members on navigating technological and societal disruption.  You can learn more about Michelle Khoo at the Deloitte Center for the Edge Southeast Asia website.  Additionally, check out Deloitte's report The Space Edge.  Loving this episode?  Listen to more With Interest episodes and other CPA Australia podcasts on YouTube. https://www.youtube.com/@CPAaustralia/podcasts  And don't forget to click subscribe to the channel for a wide range of content that will help your career.  CPA Australia publishes four podcasts, providing commentary and thought leadership across business, finance and accounting:  With Interest https://www.cpaaustralia.com.au/tools-and-resources/podcasts/with-interest  INTHEBLACK https://www.cpaaustralia.com.au/tools-and-resources/podcasts/intheblack  INTHEBLACK Out Loud https://www.cpaaustralia.com.au/tools-and-resources/podcasts/intheblack-outloud  Excel Tips https://www.cpaaustralia.com.au/tools-and-resources/podcasts/excel-tips  Search for them in your podcast platform. Email the podcast team at podcasts@cpaaustralia.com.au  Chapters: 00:00 Episode intro 00:21 CPA Australia With Interest Podcast: How Space Data Improves Business Decisions 01:03 Deloitte The Space Edge Report: US$100 Billion Southeast Asia Opportunity 02:03 SpaceX, Reusable Rockets and the New Space Economy Explained 04:02 AI, Satellite Data and the Business Value of Better Decision-Making 05:00 Agriculture, Crop Monitoring and Food Security with Earth Observation Data 06:11 Mining, Oil & Gas and Methane Leak Detection Using Satellite Constellations 08:29 Government Infrastructure Planning, Population Growth and Satellite Analytics 09:47 Flood Resilience, Climate Risk and Natural Disaster Management with Space Data 11:21 Flood Risk Assessment, Banking, Insurance and Geospatial Decision-Making 12:35 Green Loans, Solar Panel Analysis and Sustainable Finance Applications 13:54 Why Southeast Asia Is a Hotspot for Satellite Data Innovation 15:30 30-Centimetre Satellite Imagery and the Future of Earth Observation 16:41 How Business Leaders Can Identify High-ROI Satellite Data Use Cases 17:13 Infrared Sensors, SAR Radar and Advanced Satellite Imaging Technologies 19:28 Deloitte Audit Innovation: Monitoring Remote Assets from Space 20:56 How Satellite Data Creates Safer, Smarter and More Productive Operations 22:15 SpaceX, Japan Inc. and Ping An: Space as a Driver of Corporate Innovation 23:42 Key Takeaways: Satellite Data as Critical Business Infrastructure 24:21 Deloitte The Space Edge Report, Resources and Closing Remarks

Steve Dennis and Michael LeBlanc open episode 308 with a check on Steve's number one prediction for 2026 — uncertainty reigns supreme — and it's holding up. The flat 10% global tariff is gone, replaced by a 10–12.5% range on nearly all U.S. imports, with steeper rates for Canada and Brazil. The new forced-labor justification behind the increases strikes Steve and Michael as ridiculous and unlikely to survive a court challenge. The retail numbers look better than the tariff logic. June retail sales rose 5.7% year over year, led by sporting goods (a World Cup bump) and electronics. Grocery managed just 1%. Steve walks through why: dollars flat, units falling, prices 33% above pre-COVID levels, food bank use climbing on both sides of the border. Albertsons is the clearest case — sales nearly flat, guidance cut, stock down 20% in a day. Then, recorded live in the pop-up studio at the CommerceNext Growth Show in New York, Ulta Beauty Chief Retail Officer Amiee Bayer-Thomas argues stores are queen. Thirty years into a career she calls a lattice rather than a ladder — seven roles at Ulta alone, including chief supply chain officer through 2020 — she now owns everything from site selection and store design to services, asset protection, eventing, and the omni guest journey. Stores, she says, are experiential hubs delivering "beautytainment" through 60,000 associates across 1,500 locations. The numbers: 47 million loyalty members, 95% of whom shopped in-store last year. A NielsenIQ study of Gen Alpha found the most AI-engaged shoppers still pick stores over apps, 57% versus 36%. Amiee's take on AI: it's an "and," not an "or." Technology can flag a replenishment; only an associate reads the confusion on a guest's face in the skincare aisle. Omni guests visit and spend three times more. She previews a Times Square flagship alongside outlet and small-format stores, plus an eventing calendar headed toward 140,000 events this year. In the news, Wayfair is expanding its store footprint. Shein is heading toward a Hong Kong listing at roughly half its 2022 valuation. Also on the radar: fuel costs rising again as back-to-school and holiday approach, and U.S. population growth of 0.25% turning retail into a fight over share. About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling author of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is a senior retail advisor, keynote speaker and media entrepreneur. Michael has delivered keynotes, hosted fire-side discussions hosted senior retail executive on-stage in 1:1 interviews worldwide. Michael produces and hosts a network of leading retail trade podcasts, including The Remarkable Retail Podcast, The Voice of Retail, The Food Professor, The FEED powered by Loblaw and the Global eCommerce Leaders podcast. He has been recognized by the NRF as a global Top Retail Voice for 2025 and 2026 and continues to be a ReThink Retail Top Retail Expert for the fifth year in a row.

Clark County's population growth is slowing dramatically; a new UNLV forecast projects the county won't hit 3 million residents until 2055, a full decade later than previously predicted. So what does that mean for Las Vegas' future? Then, Nevada Democrats lost their bid to hold the first presidential primary in 2028, narrowly falling to South Carolina in a DNC committee vote, and the implications are significant. Finally, did you know there are beavers living in Las Vegas? The Clark County Wetlands Park is one of the valley's most underrated outdoor spaces, and it turns out those beavers are doing some pretty important work for the entire Colorado River watershed. Host Jesse Merrick breaks it all down with Creative Producer Jacob Solis and local artist Vogue Robinson. Want to get in touch? Follow us @CityCastVegas on Instagram, or email us at lasvegas@citycast.fm. You can also call or text us at 702-514-0719. For more Las Vegas news, make sure to sign up for our morning newsletter. Learn more about becoming a City Cast Las Vegas Neighbor at membership.citycast.fm. Looking to advertise on City Cast Las Vegas? Check out our options for podcast and newsletter ads at citycast.fm/advertise.

This lecture discusses key ideas from American philosopher Derick Parfit's book Reasons And Persons, specifically the chapter titled "The Repugnant Conclusion". Specifically it examines the effects that population growth could be conceived or experienced to have upon the individual happiness or quality of life of the population either in the present or the future. In many cases increasing the population will lead to a lowering of the individual happiness or quality of life of members of that population To support my ongoing work, go to my Patreon site - www.patreon.com/sadler If you'd like to make a direct contribution, you can do so here - www.paypal.me/ReasonIO - or at BuyMeACoffee - www.buymeacoffee.com/A4quYdWoM You can find over 4500 philosophy videos in my main YouTube channel - www.youtube.com/user/gbisadler Get Derek Parfit's Reasons And Persons here - https://amzn.to/4etfqcw

The world dragged the Seattle Times over its anti-Trump FIFA World Cup meltdown. Iranians loyal to the regime have been trying to sneak into the United States according to the DHS. Seattle has seen large population growth, but there’s a catch. // Guest: UW Professor Matt Kaeberlein discusses the health benefits of NAD+ supplements. // New York times reporter Maggie Haberman claims that the media is too easy on Trump.

Malthusian Logic and the "Check" of Hunger. Guest: Patrick Scanlan. Scanlan discusses the influence of economist Thomas Robert Malthus on Victorian policy, noting his argument that population growth would inevitably outstrip food production. Malthus viewed famine as nature's "last most dreadful resource" to restore balance. For Victorian policymakers, this logic justified a refusal to provide direct aid to the poor, fearing it would encourage "imprudent" reproduction and laziness. They believed that without the "check" of hunger, the Irish would refuse to work for low wages. Malthus specifically viewed the potato as "too generous" because it allowed the poor to survive with minimal labor, bypassing the "civilizational checks" on population seen in other societies. Consequently, many British officials viewed the famine as an inevitable consequence of Irish behavior and population growth. This ideological framework heavily influenced the British Empire's preoccupation with maintaining a "work ethic" even amidst mass starvation. 51868

Washington Wednesday on Iran's costly move, World Tour on Switzerland's population growth, and a Mars Hill student competition. Plus, Janie B. Cheaney on home management skills, a helium balloon law, and the Wednesday morning newsSupport The World and Everything in It today at wng.org/donateAdditional support comes from Harbinger Tours, supporting Israel through luxury tours, with a November departure led by Marshall and Jessica Pennell. HarbingerTours.net

BiggerPockets just shared a list of the top 10 markets for rookie investors, and Jacksonville came in at the top!That sounds like good news if you are thinking about buying your first rental property. But choosing the right city is only one part of making a smart first investment.That's why this week on the Not Your Average Investor Show, JWB Co-Founder Gregg Cohen and host Pablo Gonzalez are breaking down the list and talking about what first-time investors should really look for before they buy.You'll learn:✅ Why Jacksonville stands out as a market for new investors✅ Why your first investment should be about avoiding big mistakes before chasing the biggest return✅ How to think about the market, the property, and the team helping you invest✅ What makes Jacksonville worth considering beyond one rankingYour first rental property can shape how you think about investing for years to come. The goal is not just to buy in a market that made a list. It is to make a decision that gives you a strong foundation for building long-term wealth.Listen NOW!Chapters:00:00 Show Kickoff01:57 Inc Best Workplaces Win03:40 Why Awards Matter06:09 Five Million Cash Flow08:23 Top 10 Rookie Markets11:11 What Makes a Rookie Market11:53 Survivability Comes First14:32 The Right Team Matters17:39 Affordability And Cash Flow23:20 Rental Demand And Runway26:24 Diversified Economy Teaser26:34 Job Base and Anchors28:02 Fortune 500 vs Industry Mix29:51 Negative Cash Flow Explained32:44 Incentives and Trust36:37 Market Evaluation Prism38:20 Appreciation First Cities41:32 Cheap Cash Flow Traps45:22 Population Growth and Perception49:14 Goldilocks Markets Texas Florida51:45 Why Jacksonville Wins54:57 Operator First Takeaway58:17 Wrap Up and Next ShowStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

In this episode of the Econ Dev Show Dane Carlson talks with Michael Hecht, CEO of Greater New Orleans Inc., about the deeper economic story behind a region best known for food, music, culture, and Mardi Gras. Michael explains how New Orleans' economy is rooted in maritime, energy, defense, aerospace, and industrial innovation, and why long-term recovery after major disruption requires sustained leadership, trust, humility, and coalition-building. The conversation covers GNO Inc.'s approach to business environment work, the “power of powerlessness,” regional trust-building across 10 parishes, the importance of focusing resources on sectors with real strategic fit, and why economic developers should study history and political science if they want to create lasting change. Like this show? Please leave us a review here — even one sentence helps! Special Guest: Michael Hecht.

The birthright citizenship case and immigration raids have drawn headlines and national attention, but Lucas Guttentag, who teaches immigration law at Stanford and Yale law schools, says some of the Trump administration's most consequential immigration changes are unfolding with far less public scrutiny. Guttentag, one of the nation's leading immigration law experts and founder of the ACLU Immigrants' Rights Project, joins host Professor Pamela Karlan for a wide-ranging conversation about current American immigration policies. Guttentag discusses his time in the Biden administration and compares policies in the first Trump administration with those of the second. He also focuses on the Immigration Policy Tracking Project, an effort he launched in 2017 with law students to document every Trump administration immigration policy, implementation memo, directive, and related legal challenge. The tracker, he explains, is designed to make visible what can otherwise be hard to see: hundreds of policy changes that, taken together, are reshaping the immigration system. The episode examines what these changes mean for immigration courts, bond hearings, temporary protected status, green card applications, and the lawyers challenging the administration in court. One of Guttentag's central points is that immigration is a civil system, not a criminal one, and the distinction matters for anyone trying to understand what is happening now. Links: Lucas Guttentag >>> Stanford Law School page Immigration Policy Tracking Project >>> IPTP page Connect: Episode Transcripts >>> Stanford Legal Podcast Website Stanford Legal Podcast >>> LinkedIn Page Rich Ford >>>  Twitter/X Pam Karlan >>> Stanford Law School Page Stanford Law School >>> Twitter/X Stanford Lawyer Magazine >>> Twitter/X (00:00:00) The Immigration Policy Tracking Project (00:07:33) The Dismantling of the Immigration Court System (00:12:15) "Public Spectacle and Private Terror" — Tactics of Fear  (00:17:32) Asylum, TPS, and the Racial Undercurrent (00:21:51) The Courts Push Back  (00:29:22) What a Rebuilt Immigration System Would Look Like  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sometimes you just need an impromptu therapy session with absolutely no professionals present. From the adult who calls their parents by their first names to the person who orders a salad at a pub, Clare, Amelia and Em are unpacking the exact types of people we just don’t trust. SUBSCRIBE to Mamamia and never miss a word of Out Loud. Plus get access to every story and our exercise app, MOVE. Australia’s fertility rate has sunk to a record low, but researchers swear they’ve found the one simple trick to get women to have more babies. It does involve your home office’s proximity to the bedroom, but not quite in the way you might think. Plus, how are powerful women like Victorian Premier Jacinta Allan still being target with 300 year old Salem tropes like ‘Ditch The Witch’? Julia Gillard, like us, has thoughts. Also, Madonna just dropped a star-studded 10-minute musical short film called Confessions II. We’re breaking down every single celebrity cameo you might have missed. And, we explain the reason why Taylor Swift, Timothée Chalamet and Ben Stiller are in orange and blue all over your social media feed. SUBSCRIBE here: Support independent women's media What To Listen To Next: Listen to our latest episode: 3 (Celebrity) Weddings And A Guest Drama Listen: Spoiled Pig Syndrome & Our List Of Things That Are Just Not Working Listen: Sorry Clare. There’s No Better Time To NOT Have A Baby Listen: The Boy ‘Mom’ Trap & Actually, We’ve Met Listen: The Married People Claiming 'Hot Divorce Energy' Listen: Don’t Go To Uni, Baby Doll Dresses & The World’s Coolest Wedding Hat Listen: Reading-Gap Relationships & The 'Daddy' Of It All Connect your subscription to Apple Podcasts Discover more Mamamia Podcasts here including the very latest episode of Parenting Out Loud, the parenting podcast for people who don't listen to... parenting podcasts. SUBSCRIBE here: Support independent women's media You can now watch our show in full length video on the Apple Podcast app - make sure your phone is up to date and we can't wait for you to see Mamamia Out Loud on Apple What to read: 'Five words from someone I trusted nearly broke me. Here's what I know now.' HOLLY WAINWRIGHT: Want to start a fight in 3 words? Work from home. The real reason less of us are having babies in 2025. Your 5-minute news explainer to get you up to date on June 9, 2026. THE END BITS: Check out our merch at MamamiaOutLoud.com GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message. Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloud Mamamia acknowledges the Traditional Owners of the Land on which we have recorded this podcast.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Victoria's $199 billion in debt, and if you're running a small business in this state, you're the one wearing it. Taxes keep climbing, businesses are going under at record rates, and the COVID levy that was sold as temporary isn't going anywhere. Jase has done the numbers on where the money went and what it means for Victorian business owners heading into end of financial year. On this episode, we discuss: (00:00) Intro (00:43) Victoria's $199 Billion State Debt (02:40) $1 Million a Day for 55 Years to Reach $199 Billion (03:53) What $199 Billion Could Have Built for Victoria (06:25) $43 Billion in Tax and Most of It Goes to Interest (07:23) How the Debt Hits Small Business Through Extra Taxes (09:09) Is Government Debt Really Good Debt (10:56) Real Margins at $1M, $5M and $10M Turnover (14:35) Victorian Insolvencies Up 48% and Projected to Rise 63% (15:31) Public Sector Staff Up 60% on 29% Population Growth (17:40) 18% CBD Vacancy and 16,000 People Leaving Victoria (19:21) How to Work Out What You'll Owe Victoria This Year (21:24) Review Your Business Structure Before 30 June (22:50) Director Penalty Notices and When to Get Help Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt. Hosts:Nick ReillyJason Robinson This podcast is produced by VIDPOD. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Seldom fisherman Sheldon Dawe on what the increase in lobster means for this area + Town of Fogo Island mayor Andrew Shea on some of the challenges facing the island + Colleen Higgins shows us part of the former Fishermen's Union Trading Co premises.

Parkville and North Kansas City are among the fastest-growing communities in the Kansas City metro, with populations increasing by more than 20% since the last Census. KCUR's Up To Date spoke with their mayors about what's fueling this surge and how it's impacting their cities.

After decades of super-charged economic and population growth, Colorado is at a turning point. So, is this state growing or shrinking? And why does it matter either way? Earlier this year, host Bree Davies sat down with Colorado's State Demographer Kate Watkins to hear about how things like declining school enrollment and a slowing economy can play into our population numbers, and we're revisiting that conversation today about what the ripple effects of all these big-picture changes could mean for you. Kate even gets into a forecast of what Coloradans might expect population-wise in 2060! This episode originally ran on January 20, 2026. For even more news from around the city, subscribe to our morning newsletter at denver.citycast.fm. Follow us on Instagram: @citycastdenver Chat with other listeners on reddit: r/CityCastDenver Support City Cast Denver by becoming a member: membership.citycast.fm What do you think about our state's demographic changes? We want to hear from you! Text or leave us a voicemail with your name and neighborhood, and you might hear it on the show: 720-500-5418 Learn more about the sponsors of this May 19th episode: Clyfford Still Museum Sphere of Six Cozy Earth - Use code COZYDENVER for up to 30% off Looking to advertise on City Cast Denver? Check out our options for podcast and newsletter ads at citycast.fm/advertise

Crain's reporter John Pletz talks with host Amy Guth about Census data showing how Chicago is eking out population growth while big-city rivals are shrinking. Plus: Former John Hancock Center slated for luxury Marriott hotel, the parking meter deal Chicagoans love to hate is poised for another sale, Gene & Georgetti sues concessions operator over Midway Airport outpost and DraftKings reportedly closing sportsbook at Wrigley Field. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The gap between the number of births and deaths is narrowing. Latest Stats NZ data shows there was about 15 hundred fewer births in the year ending in March, and 170 more deaths. The fertility rate has dropped from 1.58 births per woman to 1.53 and the infant mortality rate is also down. Massey University sociologist Paul Spoonley told Mike Hosking at some point the number of births will equal the number of deaths. He says that's never happened before, except for during one-off events like the Black Death in Europe. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Elizabeth Peek critiques redistricting as an unattractive game that voters generally dislike. She emphasizes that population growth in Texas and Florida provides more long-term political power than manipulating district lines in blue states. (2/16)1930 THE BEETLE HORDE, ASTOUNDING

This show has been flagged as Clean by the host. In our final look at the game mechanics for Civilization V we look at all of the players and their unique attributes. This helps you to see that certain Empires can be better suited for particular victory strategies. Playing Civilization V, Part 11 The Players By the time you got to the last expansion and all of the DLC, there are 43 possible Empires you can play as. But they are not all alike. Each Empire has a particular Leader, a Unique Ability, and a Unique Unit. In addition most of them have some kind of Starting Bias, and many have a Unique Building or a Unique Improvement. Understanding how to make use of these is important to your strategy. If you let random chance assign you to an Empire, you need to know what kind of strategy will work with that Empire. And if you want to pursue a particular strategy you will want to know how to pick an appropriate Empire to fit strategy. There is a chart that lists all 43 Empires with all of their parameters at the Civilization Fandom Wiki and you might want to bookmark that page for future reference. Also, you want to know what to expect concerning your opponents in a game. Leader You don't have a choice of leaders. When you choose a particular Empire you get the Leader that comes with it. But these leaders are distinct in various ways. To see what I mean, go to the Leader page for one by clicking on the link under the Leader picture. You will see a long list of AI Traits. These describe in numerical terms how competitive the Leader is various ways, how prone to war, which kinds of units it will build, and so on. It is a long list, so your eyes may glaze over, but the significance is that it may give you some insight if this Leader is one of your opponents in a game. This list is how the AI is programmed. There is also more approachable summary under Personality and Behavior, and here is what it says about Pedro II of Brazil: “Pedro will most commonly try for a cultural victory. If he pursues a different victory condition, he is likely to choose a diplomatic one over a scientific or domination victory. Pedro is exceptionally friendly and loyal, and will readily befriend anyone but the most warlike leaders. He is more willing to denounce than to wage war himself, but will maintain a defensive militia comprised of a variety of units. He also has a habit of building a fairly large navy. Fittingly, Pedro's highest priority is the Happiness of his people, followed by the development of his lands and Culture. He will not claim a large territory, but his cities will be highly populated and the land and water around them will be full of improvements. He will sometimes try to build wonders that enhance his Culture and Tourism output. Pedro is friendly toward city-states in his sphere of influence and will often pledge to protect them. He will hardly ever attack or bully them.” Now, the point is that this describes your AI opponent. If you choose to play as Pedro II of Brazil, you can make entirely different decisions from what the AI would do Starting Bias Each Empire will spawn on the map in ways that reflect their Starting Bias, if any. Some Empires (e.g. China, France, etc.) have no Starting Bias at all, which means they can spawn anywhere on the map, though there is programming to ensure that the location is not a disaster, like all Tundra and Ice, or the middle of the ocean. So it will certainly be playable. Still some players like to try 2,3, or 4 times to spawn to see if they can get a good place to start.. For the Empires with a Starting Bias, it can be either positive or negative. For example, the Mongolian Empire has a bias towards starting on plains, which makes sense historically since they came from the plains of Central Asia. The Russian Empire has a bias to start in Tundra, which again seems to fit. The Songhai Empire has a negative Starting Bias, which is to avoid Tundra. The Songhai Empire historically was an empire in sub-Saharan Africa, so this makes sense. And the Siamese Empire avoids Forests. The Roman and Shoshone Empires have no Starting Bias at all, so they could spawn anywhere. This Starting Bias will apply to whichever Empire you choose to play, so if you would prefer to not play with a lot of Tundra, you would de well to not choose Russia. But Russia can do more with Tundra than some other Empire might, so it all balances out. Unique Ability Generally speaking each Empire will have a Unique Ability. For example, the Austrian Empire has the Unique Ability called Diplomatic Marriage, which allows them to spend Gold to annex or puppet any City-State that they have been allied to for at least 5 turns. If the City-State is annexed, it becomes part of the Austrian Empire, but if it is puppeted the City-State technically remains separate but is under the control in some ways of the Austrian Empire. India has a Unique Ability called Population Growth. This doubles the unhappiness caused by more cities, but reduces by 50% the unhappiness caused by increased population. So if you were playing India it is even more important to build Tall rather than Wide. Unique Units Every Empire has at least one, and sometimes two Unique Units. These units replace a normal unit, but are a little better in some respect. They are worth having, but some are more useful than others. And a key factor is when they are available to you. For example, the Celtic Empire gets the Pictish Warrior, which replaces the Spearman. Since the Spearman is generally the first unit you learn to build, it comes very early in the game. So if you were interested in a strategy of early warfare, this might matter to you. The Pictish Warrior is actually weaker than the Spearman in one respect, though, in that it gets no bonus against mounted units. So if you are the Celts, and you are facing the Mongols, you will have a problem. But the Pictish Warrior can pillage without any movement cost. Normally when you use a unit to pillage it ends your turn, but the Pictish Warrior could pillage and then move if it still had movement left. And the Pictish Warrior also has the Foreign Lands Bonus, which gives it a 20% bonus when fighting outside of Celtic territory. And finally the Pictish Warrior gets a Faith bonus when it kills an enemy unit, equal to 50% of the killed unit's strength. The American Empire is one that has 2 Unique Units. One is the B-17 bomber, which replaces the regular Bomber. It comes with 2 promotions (Siege I, and Evasion), and is slightly stronger (70 vs. 65). The problem with this is that it comes so late in the game that it is hard to see what good it will do you. If you are pursuing a Domination strategy you should have already gone most of the way to conquering the world before you actually get the B17. The other Unique Unit the Americans get is the Minuteman, which replaces the Musketman. It comes with a Drill I Promotion, ignores Terrain restrictions, and earns points towards a Golden Age. This is more useful than the B17, but not useful enough to push you towards a Domination victory. But since you need good units for any strategy, if only for defense, it is worth having. Personally, if I was playing as the Americans I would rather go for a Science victory. Unique Buildings/Improvements The last parameter for these Empires is the possible Unique Building or Unique Improvement. Some Empires, such as the Byzantines or the Japanese, do not have one, but they can be useful. For example, the Portuguese Empire has a unique building called the Feitoria which has the interesting property of being built outside of Portugal's territory. The Feitoria, which becomes available once you discover Navigation, can be built in the territory of a Coastal City-State on a Coastal Land tile that has no resources on it. It has three properties: Portugal gets one copy of each Luxury Resource the City-State has. This is great for either increasing Happiness or as something that can be traded with other Empires. +50% defensive strength for any combat units on the tile. Pillaging the Freitoria constitutes an Act of War against Portugal, which means Portugal gets no penalties for going to war. Another example is the Dutch Polder, which can be built on any Marsh or Flood Plain tile. It gives +3 Food, and once you discover Economics it will also yield +1 Production and +1 Gold. Summary Studying the chart of the Empires can help you in picking strategies for the Empire you are playing, or help you to pick an Empire that is well suited to the strategy you want to try. And knowing how the AI is programmed for other Empires helps you to know what to expect in your game. But here are some suggestions. Note that you can win with any Civ, but these are ones that lend themselves to a particular strategy. That said, I usually let the game give me a random choice and then formulate my strategy when I see what I get. Domination Germany Japan Rome Songhai Mongols Science Babylon Korea Poland America Culture Brazil Polynesia Poland France Diplomatic Greece Arabia Portugal Links: https://civilization.fandom.com/wiki/Civilizations_(Civ5) https://www.palain.com/gaming/civilization-v/playing-civilization-v-part-11/ Provide feedback on this episode.

New Zealand's look seems set to change. A new report from Koi Tū Centre for Informed Futures predicts New Zealand's population could look very different in the coming years. It expects there to be fewer births, emptying of rural centres, and more Asian people than New Zealand Europeans in Auckland. Co-author and Emeritus Professor Paul Spoonley told Mike Hosking they don't want to catastrophise, but these changes will come so we need to discuss it and make appropriate policy decisions. He says an adult conversation needs to be had about immigration, as it's increasingly becoming the major factor in population growth and labour supply in New Zealand. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Tasmania had a massive growth run 2016-2022, so why are some investors buying now? New AFL stadium, new larger and faster Spirit of Tasmania ferries etc.Growth has occurred already in the last 6-12months, with yields compressing, now below 5%. A lot of investors and buyers agents hunting for properties.Devonport in particular has had a stellar growth of 16% in the last 12months at time of recording.When a selling agent asks for "best and final offer", what does that mean?Other episodes:Property predictions for 2026Music Credit: Bass Nation.New episode every fortnight.Send in your questions to: passiveincomedoctors[AT]gmail.comIf you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videosYoutube channel/video podcast: Passive Income Doctor - YouTube

3. This segment examines the "tech genocide" targeting Uyghur women through forced sterilization and late-term abortions to suppress population growth. Turkel discusses the state-sponsored removal of nearly one million children. He also details how global supply chains are "polluted" by products manufactured through Uyghur forced labor. (3)1905 SHANGHAI

Social researcher and demographer at McCrindle research, Mark McCrindle, joined Tom Elliott.See omnystudio.com/listener for privacy information.

   There's nothing quite like opening day in a Major League Baseball city and Monday's opener was one for the ages.  There were parties, celebrity sighting, a touching moment of silence, and awesome flyover and a Royals win.  There was also news made when owner John Sherman told www.kcmotalkradio.com he's still talking to Kansas and NKC about a new stadium.  We have all of it for you.    On the field, pitcher Kris Bubic had a much different experience starting this home opener versus the last time he did it.  Did you know he had another opener?  Yup, it was in 2020 and there were no fans in the stands.    Mayor Q decided to make a big announcement about his future on opening day to hide the sad news there's nothing he can run for and win right now.  Boo hoo.    KC's population is growing while St. Louis is shrinking.  Eric Trump releases animation and video of a spectacular Donald J. Trump Presidential Library.  KC's own singing star Chappelle Roan is banned from performing by a mayor of a major city.  A rich, spoiled radio host calls it quits at age 37 and a famous rocker may not have a voice anymore.

Population growth is slowing in most counties in the U.S., according to new population estimates from the Census Bureau. During that time, 310 of the 387 U.S. metro areas had slower population growth, with dramatic declines along the U.S.-Mexico border. This largely has to do with a big decrease in net international migration. Then, later in the program, we have a deep dive into the current state of the pawn shop economy.

Population growth is slowing in most counties in the U.S., according to new population estimates from the Census Bureau. During that time, 310 of the 387 U.S. metro areas had slower population growth, with dramatic declines along the U.S.-Mexico border. This largely has to do with a big decrease in net international migration. Then, later in the program, we have a deep dive into the current state of the pawn shop economy.

Canada's Population Growth Just Stopped  

Wild turkey biologist Reina Tyl joins us to unpack her comprehensive study assessing population growth of Easterns in South Dakota.    Resources: Lashley, M. A., et al. (2025). Decreased female survival may explain wild turkey decline. bioRxiv, 2025-05. Tyl, R. M. (2019). Factors Influencing Survival, Productivity, and Population Growth of Eastern Wild Turkeys in Northeastern South Dakota. West Virginia University. Tyl, R. M., Rota, C. T., & Lehman, C. P. (2025). Factors influencing eastern wild turkey population growth in northeastern South Dakota. Wildlife Society Bulletin, 49, e1636. Tyl, R.M., Rota, C.T. and Lehman, C.P., 2020. Factors influencing productivity of eastern wild turkeys in northeastern South Dakota. Ecology and Evolution, 10(16), pp.8838-8854. Tyl, R.M., Rota, C.T. and Lehman, C.P., 2023. Factors influencing survival of female eastern wild turkeys in northeastern South Dakota. Wildlife Society Bulletin, 47(2), p.e1429.   Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab   Don't miss out on a chance to win a custom Benelli Super Black Eagle 3! This 28-gauge shotgun features a 28' barrel, 3" chamber, and is exclusively dipped in Mossy Oak Full Foliage not available to the public. Enter the online raffle below for a shot at owning this one-of-a-kind gun! This is literally a one-of-one collectable item. https://e.givesmart.com/events/Nqy/   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

Wild turkey biologist Reina Tyl joins us to unpack her comprehensive study assessing population growth of Easterns in South Dakota.    Resources:   Lashley, M. A., et al. (2025). Decreased female survival may explain wild turkey decline. bioRxiv, 2025-05.   Tyl, R. M. (2019). Factors Influencing Survival, Productivity, and Population Growth of Eastern Wild Turkeys in Northeastern South Dakota. West Virginia University.   Tyl, R. M., Rota, C. T., & Lehman, C. P. (2025). Factors influencing eastern wild turkey population growth in northeastern South Dakota. Wildlife Society Bulletin, 49, e1636.   Tyl, R.M., Rota, C.T. and Lehman, C.P., 2020. Factors influencing productivity of eastern wild turkeys in northeastern South Dakota. Ecology and Evolution, 10(16), pp.8838-8854.   Tyl, R.M., Rota, C.T. and Lehman, C.P., 2023. Factors influencing survival of female eastern wild turkeys in northeastern South Dakota. Wildlife Society Bulletin, 47(2), p.e1429.   Our lab is primarily funded by donations. If you would like to help support our work, please donate here: http://UFgive.to/UFGameLab   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  

It's been years in the making, and now Jacksonville's urban core is on the cusp of something big: 10,000 downtown residents.This week on Not Your Average Show, JWB Co-Founder Gregg Cohen and show host Pablo Gonzalez break down the newly released State of Downtown Report and explain what this milestone means for investors and the future of the city.With nearly 9,000 residents already downtown and a 31% population surge since 2020, the long-talked-about “24-hour city” is finally becoming a reality.Here's what we're diving into:✅ Why 10,000 is more than just a number and how it changes a city's trajectory✅ How JWB's Pearl Square is helping complete the downtown puzzle✅ The power of the density flywheel: more people means more restaurants, retail, and livability✅ Why city leaders are setting their sights on 20,000 and how early investors benefit mostWhen population growth turns into real, livable vibrancy, opportunity follows.

The U.S. Census Bureau's first look at 2025 population data revealed a significant cooling trend. As of July 1, 2025, the U.S. population grew by 1.8 million from the prior year, or 0.5%. It was a sharp deceleration compared to the prior year's 1.0% gain of 3.2 million people. Analysts attributed much of the change to a substantial decline in international immigration.The slowdown in overall population growth was particularly relevant for the multifamily sector because it influenced demand for housing.From a regional perspective, the Midwest has been a standout for multifamily operations performance in recent years. Low supply has helped, but Census data suggested strong demand as well. All states in the region recorded a population gain in 2025, aided by slightly positive domestic migration which had been negative for years.At the state level, South Carolina led the nation with 1.5% population growth, but it was down from 1.8% the prior year. Idaho and North Carolina followed closely at 1.4% and 1.3%, respectively.Texas led the U.S. in total population gain with more than 391,000 residents. While lower than recent years, it was essentially twice as many as Florida which had the second highest amount of 197,000.Only five states saw a population contraction: California, Hawaii, New Mexico, Vermont, and West Virginia.Explore our webpage for more insights and resources:https://bit.ly/Radix_Website

Segment 1: Ilyce Glink, owner of Think Glink Media, and publisher of Love, Money + Real Estate on Substack, joins John Williams to talk about affordability and what that term actually means, and why more people are struggling to pay their mortgage. Segment 2: Jim Dallke, Director of Communications, TechNexus Venture Collaborative, tells John about a startup called When raised […]

New population estimates from the U.S. Census Bureau show that U.S. population growth slowed sharply in 2025, largely due to a steep drop in immigration. After one of the fastest growth years in decades in 2024, the nation's growth rate fell to about 0.5%, raising important questions about future housing demand. In this episode of Real Estate News for Investors, Kathy Fettke breaks down the latest Census data, including where population growth is slowing, which states are still gaining residents, and why even the fast-growing South is beginning to cool. We also look at how lower migration, an aging population, and affordability pressures could reshape housing markets in the years ahead. If population growth has been a key driver of your investment strategy, this is data you'll want to understand.

For the Good of the Public brings you news and weekly conversations at the intersection of faith and civic life. Monday through Thursday, The Morning Five starts your day off with scripture and prayer, as we also catch up on the news together. Throughout the year, we air limited series on Fridays to dive deeper into conversations with civic leaders, thinkers, and public servants reimagining public life for the good of the public. Today's host was Michael Wear, Founder, President and CEO of the Center for Christianity and Public Life.  Thanks for listening to The Morning Five! Please subscribe to and rate The Morning Five on your favorite podcast platform. Learn more about the work of the Center for Christianity and Public Life at www.ccpubliclife.org. Today's scripture: Psalm 121 News sources:  https://apnews.com/live/minneapolis-shooting-immigration-updates-1-27-2026#0000019c-0095-d9ab-a7dc-c7fd11830000 https://www.nytimes.com/2026/01/27/us/politics/census-2025-estimates-population-immigration.html  https://www.washingtonpost.com/weather/2026/01/27/east-coast-winter-storm-possibilities-snow/  https://www.notus.org/2026-election/eleanor-holmes-norton-retirement-congress  https://www.csis.org/analysis/russias-grinding-war-ukraine  https://www.nytimes.com/2026/01/27/us/politics/russia-ukraine-casualties.html  https://www.reuters.com/world/ukrainian-capital-under-russian-attack-air-defences-operation-2026-01-24/  https://www.politico.com/news/2026/01/24/ukraine-russia-talks-war-ceasefire-00745581  From this month's sponsors: -Please donate today at ⁠⁠MercyShips.org/podcast⁠⁠ -Visit ⁠⁠OmahaSteaks.com⁠⁠ for 50% off sitewide during their Sizzle All the Way Sale. And for an extra $35 off, use promo code FUN at checkout. Join the conversation and follow us at: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelwear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, @ccpubliclife Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MichaelRWear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, @ccpubliclife and check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tsfnetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Music by: Amber Glow #politics #faith #prayer #scripture #Trump #AlexPretti #winterstorm #EleanorHolmesNorton #populationgrowth #Russia #Ukraine Learn more about your ad choices. Visit megaphone.fm/adchoices

The U.S. population growth slowed sharply last year due to a steep drop in immigration. NPR's Scott Horsley reports. Support NPR and hear every episode of Trump's Terms sponsor-free with NPR+. Sign up at plus.npr.org.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

California's population growth stalled from mid-2024 to mid-2025, marking the first essentially flat growth after years of pandemic-era slowdown. Trump administration immigration raids and policy changes reduced the foreign-born population by 1.5 million, slowing U.S. population growth to half a percent. For more KCBS News Anchor Steve Scott spoke with KCBS Insider Phil Matier.

If you could see one number that reliably predicts where property prices are heading next, would you want to know what it is?   Well, today, you're about to find out — and it's not what you think.   You see…most investors think population growth drives property prices… but today I'm joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who's done some fascinating analysis showing that the real driver of housing price growth is lending volumes — not population growth or money supply.   Our conversation highlights the need for long-term strategies and a focus on fundamentals to achieve sustainable growth in property investments.   Takeaways  ·         Property price growth is influenced by various factors, not just population growth. ·         Lending volumes can be a better predictor of property price movements than population growth. ·         Investors should be cautious of markets driven primarily by speculation. ·         Consumer sentiment plays a crucial role in lending and property prices. ·         Economic factors like interest rates significantly impact lending volumes. ·         A high proportion of investors in a market can signal potential risks. ·         Understanding market cycles is essential for long-term property investment success. ·         Focus on long-term fundamentals rather than short-term trends. ·         Successful property investment requires a coordinated strategy across financial services.   Chapters    01:46 – Why the Last Five Years of Property Data Can Mislead Investors  04:40 – Lending Volumes vs Population Growth: What Really Drives Prices  08:20 – Cash Buyers, Investor Ratios and Market Stability  11:38 – Sentiment, Employment and the Factors Behind Borrowing Power  15:23 – State-by-State Differences and Why Markets Move Out of Sync  17:55 – How Lending Trends Predict Cycles and Help Time Your Entry   Links and Resources:   Michael Yardney – Subscribe to my Property Update newsletter here     Stuart Wemyss – Prosolution Private Clients     Read Stuart's article here: https://prosolution.com.au/why-property-investors-shouldnt-trust-the-last-5-years-of-price-data/   Stuart's Book – Rules of the Lending Game & Investopoly   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. Or click here: https://demographicsdecoded.com.au/

Research by the Taub Center for Social Policy Studies in Israel indicates a significant shift in patterns of fertility and demographic growth in Israel. According to the findings, the rate of population growth in 2025 will be just 0.9%, the lowest since the state was founded in 1948. KAN's Mark Weiss spoke with Prof Alex Weinreb, the Taub Center’s Director of Research and head of Demography, about the report. (Photo: Flash90)See omnystudio.com/listener for privacy information.

VENOMOUS SNAKES ON BEACHES AND A KOALA RESCUE Colleague Jeremy Zakis. Due to extreme heat and population growth, Eastern Brown snakes are appearing in unusual locations, such as inside surfers' bags on sandy beaches. Zakis also recounts a heartwarming story from Brisbane where a bus driver rescued a distressed koala from heavy traffic, transporting it to safety.

17 Dec 2025. Emirates NBD has released a series of forecasts for 2026 - covering growth, oil, and the dollar. Acting Chief Economist Ed Bell breaks down what to expect. Plus, new tax rules come into force on January 1 - we speak to a friendly accountant on what businesses need to know. And Alvarez & Marsal’s Sam Gidoomal unpacks the latest UAE Banking Pulse, analysing performance across the country’s biggest lenders.See omnystudio.com/listener for privacy information.

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academy⁠https://landing.renttoretirement.com/evg-masterclass-replay⁠This episode is sponsored by…ECKARD ENTERPRISES:Build wealth through alternative investments in U.S. oil & gas with Eckard's tangible, tax‑advantaged energy assets: ⁠https://eckardenterprises.com/rent-to-retirement/⁠⁠BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at ⁠https://bluprinthomeloans.com/renttoretirement/⁠ FIGURE:Access your home equity in minutes—no refinance needed!⁠ ⁠⁠https://go.figure.com/renttoretirementDiscover why Columbus, Georgia is quietly becoming one of the most stable and high-yielding real estate markets in the Southeast.In this episode, Adam Schroeder sits down with Andrew and Preston, the Rent To Retirement rehab team based in Columbus, GA, to explore their proven formula for turnkey rehabs, property management, and guaranteed rent programs that help investors achieve predictable cash flow.

The “maximum power principle” may sound like the doctrine of an evil supervillain, but it actually applies to all living creatures. The principle states that biological systems organize to increase power whenever constraints allow. Given the way humans adhere to this principle, especially by overexploiting fossil fuels, we often do behave like supervillains, wielding power in wildly irresponsible ways and triggering climate change, biodiversity loss, and other aspects of our sustainability predicament. Sometimes it seems like we're using a backhoe to dig our own grave. Fortunately, once you understand efficiency and its different flavors, you can see opportunities to optimize power rather than maximize it. While considering the outlook for humanity, the Crazy Townies ponder a weird question: are we smarter than reindeer? Richard Heinberg, author of Power: Limits and Prospects for Human Survival, joins the team to share his research on how people can optimize power. Originally recorded on May 6, 2021.Sources/Links/Notes:Richard Heinberg's book is Power: Limits and Prospects for Human Survival.John DeLong's definition of the maximum power principle is that biological systems organize to increase power whenever the system constraints allow.DeLong also wrote: “The maximum power principle predicts the outcomes of two-species competition experiments“.Statistics on the Bagger 293 bucket-wheel excavatorDams powered airplane and ship building in the Pacific Northwest (Bonneville and Grand Coulee Dams).The cross-Atlantic sailing voyage of Greta ThunbergShort comic with the story of reindeer on St. Matthew IslandEpisode of the Radiolab podcast with a wild story about mTORSupport the show

Keith discusses the factors driving rent growth, emphasizing income growth, supply constraints, and affordability.  He highlights that population growth has a weak correlation with rent growth, citing examples like Austin and San Francisco. The fastest rent growth is in San Francisco (4.6%), Fresno (4.6%), and Chicago (4%), while Austin (-6.8%), Denver (-5%), and Phoenix (-4.1%) show declines.  GRE Coach, Naresh Vissa, joins the conversation to talk about the administration's focus on lowering rates and the potential for higher inflation as a result. He encourages investors to stay informed and take advantage of opportunities when rates are low. Resources: Book a free coaching session with Naresh at GREinvestmentcoach.com Show Notes: GetRichEducation.com/570 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, vital trends are moving the rental real estate market. And learn what really drives rent growth. It's probably not what you think. Then inflate, baby. Inflate. Why this administration wants inflation today on get rich education.   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:08   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  1:18   You Keith, welcome to GRE from Whippany New Jersey to Parsippany New Jersey. Not much distance there and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to this week's episode of Get rich education, where it's not just about your ROI. It's about your roti, your return on time invested, and your return on life. Everyone says that population growth is what drives rents, yes, but that's just one part of it, and it probably isn't even the most important factor. There is evidence of this, from Harvard research to what HUD has found. Austin, Texas recently added 500,000 people, rents spiked, and then supply flooded in and rents stalled. Head count wasn't enough. I discussed that in depth when I walked the streets of Austin last year. San Francisco lost population, but yet rents rebounded and remain among the highest in the nation. Harvard's housing research shows that population growth only has a weak correlation with rent growth. So what actually does drive rents? Well, income growth, supply constraints, and then staying under the 30% affordability ceiling, which is HUD's definition of what a cost burdened household is, right? That means that a tenant spends more than 30% of their income on rent. That is cost burden, and this pattern holds from ancient Rome to modern Manhattan, rents follow paychecks, not head counts and on the supply side, well, not all metros are created equal. Some have quantified it with what's called a supply elasticity score, places like Houston can seemingly build endlessly, while Manhattan and San Francisco cannot. So it's that difference that explains why incomes turn into rent growth in one market but not in the other. So if you're chasing fast growing metros, okay, but be careful, because headcount does not equal pricing power. Paychecks are what do well today, rents are falling in boom towns, but they're climbing in what we would call legacy, established metros, the year over year, rent change across US, metro areas really has a striking contrast. The three with the fastest rent growth are San Francisco up 4.6% Fresno also up 4.6% and Chicago up 4% and the three biggest declines in rent are Austin down 6.8% Denver down 5% and Phoenix Down 4.1% rent contraction in those three cities. And here's the problem during that 2020, to 2022, real estate surge. Years ago, investors piled into Sun Belt markets, and they sort of expected this endless growth, but then new supply flooded Austin, Phoenix and Denver, pushing rents down and vacancies up, and all three of those are cities that I visited during the boom and I saw the. Cranes in the air myself, and yet, at the same time, older supply constrained metros, like in the northeast, in Chicago and in San Francisco, they are quietly regaining momentum. That's where demand is steady. Construction is limited, and that's why rents are ticking higher. So this is why, like I've talked about before, it's good for you to invest in some Sunbelt areas, say, like Florida and then others that have this steady demand, like, say, a place in Ohio. And it's worth pointing out, too, how unusual it is that a city like Austin has a 6.8% rent contraction. We all know that housing prices are more stable than stocks, sure, but real estate rents are even more stable than housing prices, so this rent aberration that was caused by such wild overbuilding in Austin. Now, I recently attended a presentation on the rental housing market. It was put together by John Burns. He's the one that presented it, and he's the owner of the eponymous John Burns research and consulting. And people pay good money to attend these presentations, and he's a guy worth listening to, always with good housing market insights, and some of his insights while they're the same ones I've shared with you for a while, like how there's been a persistent lack of housing supply in the Northeast and Midwest, and still an abundant supply in the south. The Northeast is the only region of the nation that's adding more jobs than new homes at this time, the top amenities that tenants want today are a driveway in a yard. Pretty simple things. They're not a pool in a clubhouse. They're a driveway in a yard. And if you think about them, it totally makes sense, and that's why single family rentals have become such a booming industry, because that's where tenants are getting a driveway and a yard and burns. Also pointed out that most US job growth is in low income jobs. The presentation talked mostly in terms of headwinds versus tailwinds. Lower immigration. Well, that's a headwind. That's a bad thing for real estate investing, since immigrants tend to be renters. The tailwinds The good thing that includes less future supply coming out of the market, fewer apartments and fewer build to rent, deliveries coming online, fewer being added between today and 2028 and another positive for the next two decades at least, is the fact that since people are having fewer kids, that makes people less likely to settle down, buy a home and need a good school district. Well, that is good for people renting longer, longer tenancy durations, and John Burns also spotlighted how building material cost inflation is up 40% from pre pandemic times fully 40% more in material costs. But that Spike has since flattened out. However, it is just another reason why home prices can't really fall substantially. Today's prices are baked in, and his summary overall is to be bullish and bet on the tailwinds those real estate investing positives that is mostly due to future rent growth because the new supply is going away, and it's going to continue to stay difficult to buy a home, more rent growth, and that's the end of what he had to say. So as you're out there, targeting the right areas and renters for your properties, I've talked before about how new build rental property is a sweet spot, since your builder will often buy down your mortgage rate. For you, new build is where you can attract a good quality tenant. Look for a moment, just forget finding a tenant that can just barely afford your unit because they're spending 30 to 33% of their income to pay you rent, because, see, in that condition, there's no room for you to get a rent increase. If you can offer great value to your residents and target a 10 to 15% rent to income ratio, aha, you are really in good shape, because the easiest rent growth is retaining happy residents that are conditioned to accept 5% rent increases. Well, that is more likely in a nice new build property. That's where you attract a better tenant. And if they were to move out, they would have to take a lesser property so they will stay and pay the rent in. Increase, and they're going to have the capacity to do so when the rent is only 10 to 20% of their income.    Keith Weinhold  5:25   Now, when we talk about a major factor that trickles down to rents, the level of inflation, a lot of this comes down to the Fed chair and even the president, to some extent. And you know what's interesting, half the nation bashes whoever is president, and the entire nation bashes whoever is the Fed chair. Look, every recent Fed Chair has been maligned and bashed more than a pinata at a toddler's birthday party, bashed open more than an umpire at a little league game. Well, since 1980 there have been five of them, Volker, then Greenspan, then Bernanke, then Yellen and now Jerome Powell, most of that group is known for substantially lowering interest rates, yet they've remained unpopular anyway. And you know the irony here? The most popular of these five is Paul Volcker. He's the only Fed chair that's celebrated, and yet he jacked rates in the 1980s to up near 20% yes, 20% he really made borrowers feel the pain, but yet he's the only guy that's celebrated, because that's how he stomped that out of control inflation fire, 45 years ago, in 1981 mortgage rates peaked between 18 and 19% yet Somehow he's the Fed share that we celebrate? Well, here in more modern times, will the Fed eventually have to do the same thing? This is because Trump wants inflation now. The short term, talk is about lowering interest rates, but there are so many inflationary forces that you've got to wonder about how interest rates could very well go much higher later to get on top of this inflation that I'm telling you Trump actually wants. Now, of course, no one is going to come out and explicitly say that they want inflation, but that is now so implied, there are a ton of policies that the administration favors that are super inflationary. Some are a little deflationary, like deregulation, but they are overwhelmingly inflationary. Look tariffs, that's inflation on goods, mass deportations, that's labor inflation, reshaping the Fed in order to lower rates. That's inflation, the one big, beautiful bill, act that's lots of spending and largely inflationary. I'm telling you, Trump wants inflation now I'm not here to evaluate these policies for being good or bad. This is about policies, not politics, and understand it's not just the US government. It's every government everywhere that secretly wants inflation. And why do they want that? Well, first, it fuels spending. If you know that your dollars are going to shrink in purchasing power tomorrow, well then you're going to spend today, and consumer spending makes up 68% of us. GDP, yes, Amazon, thanks, you. Secondly, inflation shrinks the government's debt. The third reason that governments everywhere want inflation is because it foils deflation. In a deflationary world, people hoard cash like its gold bullion, tax revenue dries up and the economy stalls, and also inflation. It facilitates wage adjustments. It helps the labor market function. If economic conditions are weak, well, then employers can implement real wage cuts just by keeping salaries flat right where they're at. I mean, that is so preferable to cutting nominal wages directly and giving employees a pay cut notice. Everyone hates seeing that. So those are what four big reasons why governments will take their gloves off and fight in a steel cage match to the death to ensure inflation. So most expect a rate cut at the Feds meeting next week. But if this continues and there were massive cuts, you know, there's something else you've got to ask yourself, do you really want to live in an economy where massive rate cuts occur. I mean, that's what the 2008 global financial crisis and the covid pandemic in 2020 brought to us. So massive cuts mean there's some giant problem out there. Therefore, although the Trump and Powell rivalry, it might make you. Interesting theater and headlines. You know, let's not get carried away. Let's put things in perspective. What matters to you more is how many dollars you're leveraging, the efficiency of your property operations and the quality of your business relationships. Really, the bottom line is that fed tweaks are background noise inflation, that is the long term engine that makes your real estate profitable. Focus there, and let the politicians keep doing the yelling concerns about ongoing inflation and what that means for real estate investors, that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  8:57   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  8:57   You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family. 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family, to 66866,   Ken McElroy  17:26   this is Rich Dad advisor Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  17:34   we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach since 2021 he's helped you completely free, usually over the phone, learning your own personal goals and then helping you find the market that's the right fit for you, and even help connect you with the exact property address that helps you win the inflation Triple Crown, like say, 321, Mulberry Street in Chattanooga, Tennessee. They say that formal education will make you a living self education will make you a fortune. Well, he's got them both. He's slinging an MBA, and he's an active real estate investor just like you and I. Hey, welcome back to the show investment coach and race Vista.    Naresh Vissa  18:25   Hey, Keith pleasure, to be back on.    Keith Weinhold  18:27   Inflation is something that affects real estate investors even more so than it does the general public. Since we're borrowing large sums of money and the inflation discussion sure has been interesting lately, you just can't quite get rates back down to 2% still, they've been elevated for years. So talk to us from your vantage point about inflation and future inflation concerns.   Naresh Vissa  18:51   Well, Keith, I am concerned about inflation. This is the first time in a year or so that I'm concerned with the direction and with the policy surrounding inflation, here's why. And I brought this up when I was on your podcast in July, the current administration is not talking at all about the fact that inflation is rising. We saw the CPI, for example, hit 2.3% which was four year low earlier this year, and since then, inflation has gone up. That is concerning, that inflation is going back up without any rate cuts. Yet it's gone back, I don't want to say gone back up, but it's gone up. And remember, the Federal Reserve inflation target is 2% so we want to get as close to 2% as possible. And the number one issue in the 2024 election, and the number one issue today is still the cost of everything is right, is too much, which we'll talk about, from gas prices to home values to rents to grocery that's the. Big one, the cost of groceries, the stuff that you buy at grocery stores, etc, everything is just too expensive. Of course, education, you name, childcare, everything is just too expensive. Inflation is still, I think the administration needs to really tackle this problem. They need to really, really tackle it, because it is the number one issue. It is what people essentially, their vote is, is based on it's not necessarily based on some peace agreement in a foreign nation. It's not based on some social issue. The number one issue is going to be this inflation problem. It's are things affordable? Do I have money in my bank account to pay for X, Y and Z? So I am concerned because, yes, tariffs are inflationary. That's kind of common sense. Now I think tariffs can be good. Tariffs can keep inflation in check. If they're handled the right way, we will see that. But my bigger concern is that inflation has been rising. We're not anywhere close to that 2% and we know with a very high degree of certainty that the Federal Reserve is beginning their rate cutting cycle next week with the September rate cut, and that's going to be extended. We've seen President Trump. He's very public, his Treasury Secretary, his Secretary of Commerce, all the economic advisors who he has, they're very transparent about the fact that they want rates slashed, and they want rates slashed quickly. And so we know that we're going to get a rate this is going to be a rate slashing cycle. It's going to be great for the upper class, if you want to call it, it's going to be great for real estate investors, but for the common man, the byproduct of that is going to be higher inflation. There's just no way that you can cut rates so quickly, so low, and you're not going to see inflation. That's my concern. Now on the other hand, and again, we have to see how this plays out. On the other hand, I brought up earlier this year, I've referenced Doge. I think Doge is doing a good job cutting government spending, trying to scale back some of the government initiatives, not that the government's always going to spend we know that, but it's you need to cut back, and doges is trying to do that. That's a plus. But even bigger, I talked about some foreign wars, right? Well, I think that the Middle Eastern conflict and the Russia Ukraine conflict, both of those actually are disinflationary, or fixing those conflicts, creating peace. We've seen a ceasefire in the Middle East. We've seen a peace agreement in Ukraine, and they're disinflationary because of some of the items that I brought up. I think oil is going to dip below $50 a barrel as a result of these peace agreements, these ceasefires. So we're going to see oil prices go down. When you see oil and energy prices go down, you see the cost of almost everything else go down, because you need oil and energy to transport everything else. If you're building a house, you have wood and steel and lumber and and all sorts of materials. And it's you need a truck to transport all that. And the truck is probably it's not an EV truck. You're getting these big trucks that are using diesel fuel. So if we can bring down the cost of of oil and gas and electricity, which these taking care of these conflicts will do, creating peace will do the price of those products, oil, the natural gas, the electricity, the wheat, the grains, those are your groceries. The cost of those are going to come down. So I think it's very positive what we're seeing with this idea of peace in regions that make a huge difference to the global economy. So I'm curious to see, like I think we could see greater than 100 basis point decrease in inflation just by solving these conflicts 1% or more, like I legitimately think so, and that's without the tariffs. That's without the federal rate cut. So even if we're at, let's say, two and a half percent inflation today, and you shave off 100 basis points up now you're at one and a half, and then you throw in tariff inflation, you throw in the rate cut inflation, and we're around 2% so that's the ideal scenario that the administration is hoping for. It's let's create peace, let's have a freer market, and then they can scale back a lot of these tariffs too, because many of these tariffs against India, for example, they can scale back the United States can scale back the 50% tariff on India. That tariff was India got hit with because they're buying Russian oil, and you take care of the Russia conflict. Now it's we say, oh, India, you know, we'll scale back to go back to your 25% tariff, or maybe even less, if you do X, Y and Z. For us, we can expect to see many of these tariffs scaled back. We can expect to see the price of specific goods and services, the prices decrease, which will bring down inflation. That's what I'm optimistic about. Hopefully all these agreements hold, which I think they will, and we can expect that, and the Fed can begin its rate cutting cycle, and everything will be booming, and everything will be great. This is the. Deal scenario. I'm not predicting this. This is the ideal scenario for the administration,   Keith Weinhold  25:05   when both war and terrorists get as bad as they can possibly get. From there, they can only get better, each of which would be disinflationary. Now, the CPI inflation has been reported at 2.7% each of the past two months. But when we talk about rates, Trump wants lower rates, of course, and I think we all know that the Fed's fear of lowering rates is that high inflation could resurface. One thing though, that few think about is that lower rates lead to higher inflation, which kills off the national debt faster. But when we think about upcoming federal reserve rate cuts anytime, whether this was 10 years ago today or 10 years into the future, these are the type of lessons that I like to talk about. All right, when we look at the last Fed meeting, there was no rate cut, but then awful jobs numbers were reported right after that. That's why some think that there could be a 50 point rate cut at the next meeting. The Fed meets eight times a year, so there's about a month and a half between meetings. Now, the Fed doesn't have to wait for a meeting to make a rate cut. They can do an emergency rate cut between meetings, like we saw during covid, but sometimes they're reluctant to do that because that really spooks markets, and that makes people think, oh my gosh, there was an emergency rate cut. Maybe things are worse than we thought. What's going on that triggers concern?   Naresh Vissa  26:24   Well, I think that would be a huge mistake to have an emergency. Yeah, anatomic was obviously an emergency. That was a global emergency. Makes sense. 2008 I remember, I was just college student, but that was an emergency because we saw people lining up on the streets of Manhattan with all their boxes of laid off work, and we saw that on Phoebe. You know, that was a trying time. I think that's out of the question. It's completely unnecessary, especially when the Fed meets every 45 to 50 days. It's, you know, you can wait another 20 days until the next meeting and then make a decision when you have lower rates than the cost, the borrowing costs on the debt, it goes down so the government can refinance its debt, and they would pay less keyword interest dollars. That's a plus, the other plus with tariffs. And I really hope, again, this is just my opinion. I hope this is what happens. But the government is raising quite a lot of tariff revenue, so close to $30 billion last month. And we can expect, in the first full year, next year, it's going to have raised close to half a trillion dollars just for fiscal year 2026 that's the expectation, about half trillion dollars worth of tariff revenue. And I hope that the government uses that pair of revenue to pay down the debt, because when you're paying down the debt, you're dissipating inflation. What I actually don't want them to do is to give us back that money, because they've been floating that around, saying, Oh, we got all this tariff revenue. Let's get it back as a tariff dividend, and every American gets hex, you know, $100 in their bank account or something   Keith Weinhold  28:01   very altruistic. Of you patriotic,   Naresh Vissa  28:04   I would much rather that they use 100% of it to pay down that debt, because the country is going to be better off as a whole over the long term, and in turn, the people will be better off over the long term. The people may not see it. They may want their $200 check or $100 check or whatever it might be, but over the long term, I think the tariffs are overall working out quite well. We're not seeing the crazy inflation that the mainstream expert predicted. I don't think we're going to see the crazy inflation that the experts predicted, if you it's not going to be because of the tariffs, in my opinion, I think it's going to be if there's this aggressive rate cutting cycle that juices the markets and the cost of everything just just goes up. And this ties into real estate investing, because when the Fed starts cutting, that's a very good time for real estate investors to pay attention when the Fed stops cutting immediately. That's a an even better time to pay attention when the rates have bottomed. And this has to deal with timing the real estate market. I'll give you an example. I own several properties. Of one of my properties when the Fed was cutting in 2020 it took about a year for all those cuts to permeate into the mortgage market and into the the market as a whole. It took it. The inflation didn't go up overnight. The inflation didn't go up in April of 2020 or or May of 2020 it went up in April of 2021, it took about a year. So I actually refinanced one of my properties in July of 2021, I refinanced my my property, and I saved about 110 basis points on that refinance. And that's what I mean by timing the market. Because, if you're paying attention, part of it was I knew, Okay, the Fed has stopped. It's cutting. And you know, let's follow the more. Good market. Let's follow the Treasury yield curve and all that. And I jumped in. I literally refinanced at the bottom, like at the absolute bottom. There was about a three month window that was the bottom, and I refinanced. I did the application all that at the beginning of those three months, and it was and I got that great rate at the end of those three months. And I think there's going to be a tremendous opportunity for real estate investors. And I'm sure the Bane This is why I'm a little concerned about inflation as well, because the big hedge funds, the big real estate investment firms, the big banks, the blackstones, the blackrocks, they're going to be ready, and they're going to buy up. They're going to buy up real estate again, and investors, including our GRE investors, they're going to start buying up too. So pay attention. We're going to cover it here. We're going to cover it here, on the podcast and in the newsletter. But pay attention to these rates, because it'll be, I don't want to say, a once in a lifetime opportunity, but it will be a once in a cycle type of opportunity to jump in and get some bottoming real estate values as well as bottoming real estate mortgage rates at the same time. So that equilibrium point is only, like I said, about three or four months long. So we're going to be coming to that point and timing it sometime, I think next year, 2026   Keith Weinhold  31:21   talk to us about the vibe that you're getting from GRE listeners that contact you for a free coaching session. It's really hard to time the real estate market. Why don't you help us out with that? Let us know about a listener or two that you recently helped.   Naresh Vissa  31:37   Well, we have free real estate investment coaching here at GRE. It's absolutely free of charge. You can call, text me, email me whenever you'd like. People can book a free meeting with me, and it's a session. It's an immersive session on real estate investing. So we can go over all of that on our call. You can reach out to me unlimited times, like I said, it's I'm here just to help you throughout and along your real estate investment journey, I've helped hundreds of people invest in real estate, hundreds so it's buying turnkey, cash flowing real estate properties, so our investors can buy properties, and use my guidance and advice to help them buy properties. I also help them if they already own properties, how to optimize their portfolio, how to find new markets. I help them with their existing properties, dealing with property managers, with contractors, even with issues that things aren't always great in real estate, sometimes things can be bad. So listener Paul, for example. Listener Paul, he had a problem with the builder, and he submitted earnest money, and he wanted his earnest money back. Many, many years had gone by, and he came to me and he said, Hey, Naresh, you know, I've got all this money tied up, and the builder's not giving me the money back. Can you help me? And so I got him in touch with the right people, and within three or four months, he got all of his money back, plus interest on all the missed payments. So he got everything back as a lump sum, and then he thanked me and said, Thank you so much. I can sleep better at night, and I'm just I'm doing very well now, and he was ready to buy his next property.   Keith Weinhold  33:15   That's an example of where a deal went wrong and the builder didn't perform and build a property.   Naresh Vissa  33:19   Yes, exactly. Think of me as a trusted advisor, but also as a super connector, someone who can get you in touch with all the right companies and people to make real estate investing very sound. We have listener Joe, who bought many properties through us. He bought his first property through me and through GRE through our coaching program, and that first property worked out really well. So then he said, Hey, I want to buy a second property about six months later. So he bought a second property, and that worked out well. And then he said, let's go with it. And he bought all these with the same provider. So once he reached four, because my rule is, you don't want to go more than four or five in one market. Then he asked me for the next he said, what market do you recommend next? So then I recommended the next market, and then he bought another three or four in that market, and he built a nice little portfolio of seven or I mean, some people think it's little, some people think it's big, of seven or eight properties. So that's very common with the coaching program, where our listeners are really happy. If things are going great, I'm here for them. If things are not going the way that they expected, I'm here to help fix that problem.   Keith Weinhold  34:30   Maurice, is there to help you start building and grow a portfolio. Now, how do you yourself analyze deals and find properties before you let our listeners know about them?   Naresh Vissa  34:40   Well, we work with 15 to 20 different providers around the country, 15 to 20. So these providers are always reaching out to me, emailing me, calling me, leading me voicemails, texting me, saying we've got this great deal. We've got this great incentive. So I parse through all of that, and I find a handful of what I think is best. US and many of these deals, I send them to you, Keith, to promote in your Don't quit your Daydream newsletter, which people can subscribe if they go to get rich education.com. I send them there, and I let our listeners know on the phone when they set up calls, or I have notes on every meeting. So I'm able to send all of these deals to them, and that's how I put the best deals in front of them.   Keith Weinhold  35:25   Most of the coaching calls are over the phone rather than zoom the race. Sure can arrange a zoom call with you if you prefer. You really don't need to do too much to prepare for the call either.   Naresh Vissa  35:38   No, not at all. Just sign up for the meeting, and I'll run things. I'll run the meeting, I'll run the call. It's very straightforward. It's a session. It's very immersive, very interactive.   Keith Weinhold  35:49   Yeah, and you just have to book a time with Naresh once there and afterward. Yeah, it's really casual. Naresh is very open to you text messaging him if you have any ideas, or if you just heard about something on the show that you want to know more of. But yeah, booking that first coaching call is really what opens the door to the communication. And you really staying up to date on things. You can find a race through GRE marketplace. And alternatively, you can learn more about him with his bio. And importantly, book a time on his calendar by going directly to GREinvestment coach.com for a while now he's had times available Monday through Friday, and even some weekend slots available, and yeah, keep in touch with him, because property inventory is ever changing, especially with late breaking news like we've had this year of Home Builders Offering major incentives like buying down your mortgage rate to about 5% so staying up to date has hopefully brought you, the listeners, some really big wins already this year. Naresh, do you have any last thoughts?   Naresh Vissa  35:49   Definitely book a meeting with me. You won't regret it. I think even if you think that you own all these properties, you have all this experience, I think you'll find that the resources we offer it through our free coaching program, there will be one or two nuggets that you didn't know about that will still help you. So it doesn't harm anybody to book that free session with me. If you don't think you need my help, maybe it's just a five minute call and we touch base and we're good to go. That's fine too, but I highly recommend that people get in touch with me. We go from there so that you can continue to have a fruitful investment journey.   Keith Weinhold  37:28   Naresh has been valuable as always. Thanks for coming back out of the show.    Naresh Vissa  37:31   Thank you very much, Keith.   Keith Weinhold  37:38   Yeah, some sharp insight from Naresh as always. Now, when you think about making your next property move, consider how, compared to a few years ago, uncertainty has largely abated and real estate has stabilized. Think about how back in 2020 covid was the big uncertainty concern 2021 it was this real estate boom and an inventory shortage. You would get 50 or 80 offers on one property, and buyers were waiving inspections. That was tough. That was such a seller's market in 2022 that's when you had inflation and the supply chain chaos. That's when CPI inflation peaked at 9.1% in 2023 the big uncertainty concern was interest rate shock and the affordability crisis. And last year and this year, they've pivoted more to macro economic concerns. So therefore today's chief concern gets somewhat more buffered from real estate. Now I discussed the direction of rents earlier in today's show, the recently released Kay Shiller numbers came out, and they show that national home prices are up almost 2% annually, 13 cities or higher and seven or lower. By the way, this continued nominal price appreciation that frustrates the bejesus out of those perpetually wrong crash predictors. They have been wrong even longer than the people waiting for flying cars to show up. And where will prices continue to go from here, probably even higher now, America just hit somewhat of a milestone in this cycle. You might remember that mortgage rates peaked at 7.8% almost two years ago. Well, mortgage rates have now slid down to six and a half 6.5% and here's why this has become significant, right? Just compared to when rates were 7% per the nar 2.8 million Americans now qualify to buy a home. 5.5 million more will qualify at 6% and 7.7 more will qualify at five and a half percent. My gosh. Now. Now, of course, not every newly qualified buyer is going to pounce on a property, but only if a fraction of those do. Can you imagine how this demand increase will stoke prices? There are still only about 1.1 million homes available today. So not only are mortgage rates at a fresh low, but inventory choices, although they're still historically low, they are now at a six year high, and this is all while there's less buyer competition. So today's buyer conditions are really improving, and the bottom line here is that you are in the best position in more than five years to find the right property while still avoiding a bidding war, you have really got some properties to choose from. That is the takeaway, and you don't need to do much to prepare for an immersive free call with Naresh. You know what your situation is, although you probably do want to have about a 20% down payment for a property ready to go, some of which cost as little as 200k in these investor advantage markets, whether you've never bought any property in your life, or if you have dozens, it probably will benefit you. You can easily book a time that works best for you right on a GRE investment coaches calendar that way. There's no back and forth, and you can set it up now. Should you so choose at GRE investment coach.com Until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 3  41:38   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  42:02   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre, 266, 866, while it's on your mind, take a moment to do it right now. Text gre, 266, 866,   Keith Weinhold  43:18   The preceding program was brought to you buy your home for wealth, building, get richeducation.com

We all know technology and geopolitics shape the world, but there's a quieter, less obvious force that dictates the flow of wealth and opportunity: demographics. Where people live, where they move, and how populations grow or shrink — these are the currents that ultimately drive economic gravity. That's why all of the multifamily investments you see through Investor Club focus on areas where there is job creation. Where there is job creation, there is population growth, and people have to live somewhere. Scale that concept up to a global level, and you start to see why migration, climate, and demographics are the real megatrends of the century. Take China — decades of the one-child policy have created a demographic cliff. Contrast that with parts of Africa and South Asia, where populations are booming. Add to this the wildcard of AI, which could either amplify the advantages of youthful nations or offset aging ones. For investors, entrepreneurs, and anyone thinking long term, the key isn't where the puck is today — it's where the puck is going. That's the topic of this week's Wealth Formula Podcast.

On this episode of Multifamily Mastery, John Casmon dives deep into the critical role markets play in multifamily investing. He shares his personal journey of starting in Chicago and progressively identifying better opportunities by understanding the “path of progress.” John breaks down key criteria for evaluating new markets—like population growth, job diversity, infrastructure development, and net absorption rates—and explains why investors should start with their backyard before expanding outward. He also explores his experiences investing in cities like Cincinnati, Louisville, and San Antonio, and emphasizes the importance of local economic commitment and sustainable growth for long-term success. Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Post your job for free at https://www.linkedin.com/BRE. Terms and conditions apply. Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices