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Becoming an entrepreneur is the most expensive personal development program you will ever pay for, and I'm not even talking about the money. I'm talking about the version of yourself that you have to let die: the people pleaser who waits for permission, the woman who apologizes before she speaks, that part of you who thinks staying ahead of everything will finally make you safe. I've watched the “girl boss” era rise and fall. I've witnessed hustle culture get worshipped and then finally questioned. I've been in rooms I thought I needed to be in only to realize those weren't my rooms at all. Here's what I know: entrepreneurship is not just about building a business. It's about becoming someone who can. For women especially, this journey will ask you to unlearn almost everything you've been taught: to stop making yourself small, to stop waiting for permission, to stop apologizing for wanting more. Goal Digger Facebook Community: https://www.facebook.com/groups/goaldiggerpodcast/ Goal Digger Instagram: https://www.instagram.com/goaldiggerpodcast/ Goal Digger Show Notes: https://jennakutcherblog.com/entrepreneurship-costs-and-rewards Thanks to our Goal Digger Sponsors: Sign up for your $1/month Shopify trial period at http://shopify.com/goaldigger. Find a co-host today at http://airbnb.com/host. Check out What Should I Do With My Money? from Morgan Stanley. Listen now at https://mgstnly.lnk.to/bqe8HiAC!GD. Visit http://www.spectrum.com/freeforlife to learn how you can get Business Internet Free Forever. Experience the power of a Dell PC with Intel Inside®, backed by Dell's price match guarantee. Shop now at https://www.dell.com/deals. Your dream wardrobe's one click away. Visit https://www.revolve.com/goaldigger for 15% off your first order with code GOALDIGGER.
Twas the price before Christmas, and all through the supply chain, avocados were falling while citrus felt the strain. In this festive episode of the Global Fresh Series, we unwrap the latest market moves—avocado prices hitting multi-year lows thanks to booming imports, while California citrus climbs to holiday-high territory. With a nod to a classic Christmas tale (reimagined with fresh produce), this episode blends market insight with a little seasonal cheer.Peak of the Market: https://peakofthemarket.com/ Premium Zag Technological Services, Inc.: https://www.zagtech.com/ Global Women Fresh: https://globalwomenfresh.com
"I'd been studying karate for years with Chuck Norris." You will never believe what Dan's first question to Bob Barker in this interview from 2009 was, and that is just the beginning of an all-time great conversation with the legendary host of The Price is Right. Plus, a whole lot of arms fill out the rest of this hour. In fact, so many arms that JJ Watt might be the fourth smallest guy we interviewed. We may have cracked the code on where Stugotz started his JJ Watt bit, and it may be when he refused to play douche or no douche, forcing us to play cool or not cool instead. Plus, Carl Weathers and Ed Hochuli join the show, and Jason Taylor nearly fought Jimmy Johnson. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Ben Maller talks about how the future is looking for John Harbaugh with the Ravens, Taylor Swift fans accused of 'rigging' the NFL's Pro Bowl vote for Travis Kelce, the Chiefs leaving Arrowhead Stadium to move to Kansas, Cite the Bite, and more!See omnystudio.com/listener for privacy information.
Carla Anne Robbins, senior fellow at the Council, and Matthias Matthijs, senior fellow for Europe at the Council, sit down with James M. Lindsay to answer listener questions about the major developments, initiatives, and changes in U.S. foreign policy over the course of 2025. Mentioned on the Episode: "2025 National Security Strategy of the United States of America," The White House Ivo H. Daalder and James M. Lindsay, “The Price of Trump's Power Politics,” Foreign Affairs Ivo H. Daalder and James M. Lindsay, The Empty Throne: America's Abdication of Global Leadership Rebecca Lissner, “America's Quasi Alliances,” Foreign Affairs Matthias Matthijs and Nathalie Tocci, "How Europe Lost: Can the Continent Escape Its Trump Trap?" Foreign Affairs Brad Setser, "How German Industry Can Survive the Second China Shock," Center for European Reform For an episode transcript and show notes, visit The President's Inbox at: https://www.cfr.org/podcasts/tpi/listener-mailbag-2025-review-carla-anne-robbins-and-matthias-matthijs
Kieran and Producer Guy talk to Oxford United chief executive, Tim Williams, about why it's harder than ever financially to stay in the Championship, the club's new stadium plans and the potential value of a good FA Cup run. Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow The Price of Football on X - @pof_pod Send in a question: questions@priceoffootball.com Join The Price of Football CLUB: https://priceoffootball.supportingcast.fm/ Check out the Price of Football merchandise store: https://the-price-of-football.backstreetmerch.com/ Visit the website: https://priceoffootball.com/ For sponsorship email - info@adelicious.fm The Price of Football is a Dap Dip production: https://dapdip.co.uk/ contact@dapdip.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices
We Like Shooting Episode 642 This episode of We Like Shooting is brought to you by: C&G Holsters, Night Fision, Medical Gear Outfitters, Bowers Group, Second Call Defense, Rost Martin, Swampfox Optics, and Matador Arms Welcome to the We Like Shooting Show, episode 642! Our cast tonight is Jeremy Pozderac, Aaron Krieger, Nick Lynch, and me Shawn Herrin, welcome to the show! Text Dear WLS or Reviews +1 743 500 2171 - Gear Chat Nick - Multi Tools: Must-Have Gear Multi tools and you! Shawn - Cabot Guns' Revolutionary Double-Stack 1911 Design Cabot Guns has launched the Rebellion MAX, a double-stack 9mm 1911 pistol that maintains the same dimensions and weight as its single-stack version. It features advanced materials and technologies aimed at enhancing performance and comfort for everyday carry. The base price is set at $6,295, with a limited production of only 60 units for 2026. The introduction of this model may influence preferences within the gun community, particularly for those seeking compact, high-capacity firearms. FESTIVUS AIRING OF GRIEVANCES - Bullet Points Night-Camo Glock 34 Upper Zaffiri Precision dropped a limited-run Dominion LTD Glock 34 Gen 3 upper with night-camo Cerakote, ZPS4 slide, tritium sights, RMR cut, and barrel options like flush, ported, or threaded. Fits G17-G37 Gen 1-3 frames best. $599.99. Limited quantities available now. Gun fans get a ready-to-drop custom upgrade without one-offs. New FDE Ruger Pistol Out Now Ruger and Davidson's dropped an exclusive RXM pistol with flat dark earth slide and Magpul FDE frame—first full FDE version, only at Davidson's. Modern ergonomics, optics-ready, recoil control. $519. Available now. Gun fans get a fresh earth-tone option missing from standard RXM colors. SK Guns' 2025 Top Gun: Jesús Malverde SK Guns names Jesús Malverde 1911 its 2025 Gun of the Year: limited run of 300 .38 Super pistols with gold/silver/blue finishes, pearl grips, and Mexican folk engravings of the "generous bandit" legend. Special for cultural artwork blending Colt heritage with Malverde motifs. $2,700. Available now. Gun fans get exclusive collector piece. TAG Adds RMR Sights to Kimber 2K11 & 1911 TAG Precision released a steel RMR adapter plate for Kimber 2K11 and 1911 pistols. Made in Texas from tough 4140 steel with black nitride finish, it fits Trijicon RMR, SRO, Holosun 507 optics securely for carry or range. Special: Includes all hardware and TORX driver. Price: $99.95. Available now. Gun folks get easy optic upgrade on classic guns. Henry's Ultra-Rare 250th Birthday Rifle Henry releases Spirit of '76 rifle for US 250th anniversary. Limited to 250 engraved, museum-grade lever-actions on 1860 design, with gold highlights of Revolution scenes. Costs $4,115 factory-direct. Special for tiny run and historical engravings. Not available now. Gun fans get exclusive collector piece. New Limited Goldberg Rogue Rifle POF-USA released a limited run of 100 Goldberg “Jack Hammer” Rogue .308 rifles, based on wrestler Bill Goldberg's personal gun. It's a super light 5.9-pound semi-auto with custom black/bronze Cerakote, autographed certificate, and pinned 13.75-inch barrel. Special for its sub-6-lb weight without cuts, using patented tech. Gun fans get a rare collectible. Available now in limited quantities. New LightGuard Holster from CrossBreed CrossBreed launches LightGuard Holster for guns with lights. Hybrid design with swappable Kydex light shell for custom fits, adjustable retention, IWB carry. Saves money by not replacing whole holster. Gun folks get adaptable everyday option. Available now. Gun Fights Step right up for "Gun Fights," the high-octane segment hosted by Nick Lynch, where our cast members go head-to-head in a game show-style showdown! Each contestant tries to prove their gun knowledge dominance. It's a wild ride of bids, bluffs, and banter—who will come out on top? Tune in to find out! WLS is Lifestyle The Dead Pool Actor Over 50 Shawn Mel Brooks Jeremy Clint Eastwood Nick Gene Hackman X Savage Robert Dinero Aaron Val Kilmer X Actor Under 50 Shawn Vladimer Zinskey/Frankie Munis Jeremy Pete Davidson Nick Zendah Savage Ryan Renolds Aaron Dan Masterson Musician Shawn Diddy/Lizzo Jeremy Billie Elish Nick Don Henly Savage Eric Clapton Aaron Justin Bieber Politician Shawn Bernie Sanders Jeremy Chuck Grassly Nick Maxien Waters Savage nancy Pelosi Aaron Valadamier Putin 12:50 PM Actor Over 50 Shawn - Clint Eastwood Jeremy - Robert Duvall Nick - Dick Van Dye Savage Robert Deniro Aaron Eva Marie Saint Actor Under 50 Shawn - Nick Reiner Jeremy - Daniel Radcliff Nick - Ezra Miller Savage - Leonardo Dicaprio Aaron - James Van Der Beek Musician Shawn - Jelly Roll Jeremy - Bob Dylan Nick - Keith Richards Savage - Diddy Aaron Willie Nelson Politician Shawn - Mitch McConnell Jeremy - Bernie Sanders Nick - Chuck Grassley Savage - Joe Biden Aaron - Trump Privateers and Cartel Combat: A Legislative Move by Sen. Mike Lee Sen. Mike Lee introduced the Cartel Marque and Reprisal Reauthorization Act, allowing private entities to combat drug cartel smuggling and violence by seizing cartel assets outside the U.S. The proposed legislation, which echoes historical practices of granting private citizens authority to engage in acts against enemies, has implications for the gun community as it may enable armed citizens to take action against perceived threats from cartels. The Agency Brief Agency Brief — LETTERS OF MARQUE COLD OPEN "The same founders who supposedly 'never imagined AR-15s' literally wrote into the Constitution a program where private citizens could own warships, cannons, and get paid to hunt America's enemies. But sure, tell me more about how 'weapons of war' are only for the government." THE CORE STORY: CONSTITUTIONAL PIRACY The Power: Article I, Section 8, Clause 11 gives Congress the power to grant "Letters of Marque and Reprisal." This is a government license converting a private citizen into a legal combatant. It authorized the use of privately owned warships, cannons, and small arms to capture enemy vessels for profit. The Intent: The Founders distrusted standing armies. Their solution? Unleash the free market on America's enemies. It wasn't a loophole; it was the strategy. The Reality: This destroys the modern argument that civilians shouldn't own "weapons of war." The Constitution relies on it. FULL HISTORICAL BREAKDOWN Origins: Dates back to medieval times as a way for merchants to recoup losses from foreign thieves. Revolutionary War Usage: Continental Navy: ~60 ships. American Privateers: ~1,700 ships. Result: Private citizens captured ~600 British vessels and supplied the colonies with seized gunpowder and goods. War of 1812: The US Navy was still tiny. Privateers essentially fundamentally were the American naval strategy. Ordinary businessmen up-armored their schooners and decimated British trade routes. The Kill Switch: 1856 Declaration of Paris. European powers banned privateering to protect their massive state navies from scrappy private competition. Fact: The US never signed this treaty, but we eventually complied to fit in with "civilized" nations. Modern Attempt: Following 9/11, Rep. Ron Paul introduced bills to issue Letters of Marque to hunt al-Qaeda. The establishment buried it. They preferred a trillion-dollar occupation over a bounty-hunter approach. FACT CHECK SUMMARY Confirmed: Private citizens owned the 18th-century equivalent of nuclear-armed frigates (cannons/warships) with the blessing of the government. Myth: "Privateering was lawless piracy." Correction: It was highly regulated. "Prize Courts" adjudicated every capture. Lawless behavior was punished by hanging. Missing Context: The State's monopoly on violence is a modern invention. The Founders viewed war as a participatory duty of the armed citizen. Hidden Incentive: Why don't we use it now? Because the Defense Industrial Complex (Raytheon, Lockheed) cannot compete with low-cost private operators. The government wants total control, even if it costs more and works less. IMPACT ON GUN OWNERSHIP Reframing the Narrative: When anti-gunners say, "The 2A doesn't cover weapons of war," the response is: "Actually, Article 1 authorizes me to own a battleship." Bruen & Litigation: Under the Bruen test (Text, History, and Tradition), there is a robust tradition of civilians owning artillery and naval warships. If the history supports private ownership of cannons, it certainly supports private ownership of standard rifles and magazines. Cultural Impact: It moves the gun culture debate from "sporting purposes" to "national defense," which is where the Constitution places it. AGENCY NOTES (POLITICAL ANALYSIS) Regulatory Creep: We shifted from a Citizen-Militia/Privateer model to a Standing Army/Federal Law Enforcement model. The Motive: Control. An armed populace capable of waging naval war is impossible to oppress. A disarmed populace dependent on the Navy for protection is compliant. Action Item: Use Letters of Marque to mock the "F-15s and Nukes" argument. The Founders didn't just allow private firepower; they banked the nation's survival on it. The Alley Jelly Roll Receives Pardon as Gun Rights Restoration Program Returns The Trump administration has revived the federal gun rights restoration program by pardoning Jelly Roll, a notable figure,
Backpage with Beau: The Anthony Joshua/Jake Paul fight and the surrounding circus was very strange, but that's exactly what they wanted, and was Cooper DeJean up to no good, or paying tribute with a recent TD celebration?
Instacart says its ending its controversial system of using AI price tests for retailers. Earlier this month, an investigation by Consumer Reports and progressive think tank Groundwork Collaborative found that Instacart's algorithmic pricing charged various prices for the same item from the same store. CBS News' Jo Ling Kent reports. For the first time, an automatic landing system called Autoland was used to land a plane in Colorado after pilots reported losing cabin pressure mid-flight. The safety system activated itself and took control of the aircraft to land it. CBS News' Kris Van Cleave has more. Singer Aubrey O'Day spoke exclusively to CBS News following the release of Netflix's documentary series, "Sean Combs: The Reckoning." In the documentary O'Day reveals that she learned about an affidavit from an unidentified witness who claims to have seen Combs and another man sexually assault her. Combs denies the allegations in the Netflix documentary and says he has never assaulted anyone. Actor Mandy Patinkin and writer and director Aram Rappaport are behind the new murder mystery series, "The Artist," which is a work of historical fiction set in the Gilded Age. They speak to "CBS Mornings" about the series and how it got started. Patinkin also reflects on the life of Hollywood icon Rob Reiner. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
No matter what time of year it is, it's always worth checking in with a big question: Am I really charging what I'm worth?That's why I'm bringing back this standout conversation with John Ray—business advisor, pricing strategist, and author of The Generosity Mindset. John breaks down the emotional side of pricing, how generosity and confidence go hand-in-hand, and why most of us are selling ourselves short—sometimes without even realizing it.If you're a coach, consultant, or service-based business owner who struggles with pricing, value conversations, or feeling awkward about “selling,” this episode will change the way you think—and charge—for your work.Let's revisit this insightful episode with John Ray.Most people undercharge not because they're greedy, but because they underestimate their true value.I had such an eye-opening conversation with John Ray—business advisor, pricing strategist, and author of The Generosity Mindset. We talked about why pricing is way more emotional than most people admit, and how confidence, perceived value, and intentional generosity all shape the way your business grows. John breaks down the common pricing traps entrepreneurs fall into (like hourly billing or selling from your own wallet), and how asking better questions can shift everything about how you show up and get paid.Whether you are a coach, consultant, or creative service provider, this episode will make you think differently about how you price your work and position your value. John's generous insights (true to his brand!) help you feel more confident charging what you're worth—and building relationships that actually last.Highlights:Why your clients usually see more value in you than you see in yourself.How generosity, when done with intention, leads to better pricing and deeper trust.A new way to think about pricing based on transformation, not time.What it really means to have a “value conversation” with clients.Simple mindset shifts that make selling feel less awkward and more authentic.Connect with John:Website: https://www.johnray.co/ LinkedIn: https://www.linkedin.com/in/johnray1/ Podcast: https://www.johnray.co/podcast-price-and-value-journey In appreciation for being here, I have some gifts for you:A LinkedIn Checklist for setting up your fully optimized Profile:An opportunity to test drive the Follow Up system I recommend by checking this presentation page - you won't regret it. AND … Don't forget to connect with me on LinkedIn and be eligible for my complimentary LinkedIn profile audit – I do one each month for a lucky listener!Connect with me:http://JanicePorter.com
This is the 26th year of the Weston A. Price Foundation (WAPF), a group focused on food, farming, and the healing arts! Today, Sally Fallon Morell tells us how it came to be, as she offers insights on its history and what lies ahead. She describes how she came across the work of Dr. Price and its impact on her life. She explains why she also started the campaign for real milk. She goes over the importance of butter for children's health and why the foundation is unequivocally against vaccinations. Most importantly, Sally shares stories of lives changed...including her own. Visit Sally's website and blog: NourishingTraditions.com Order Nourishing Traditions and other popular books at New Trends Publishing Check out our sponsors: Paleovalley and MASA Chips
Biblical masculinity has quietly eroded, and the fallout is showing up in marriages, dating, and the confidence of Christian men everywhere. My producer Chelsea joins me for an honest and revealing conversation about what she witnessed firsthand in the Christian dating world and why so many relationships feel off balance right now. This discussion cuts through the confusion and brings clarity to what God designed men and women to walk in so relationships can actually thrive again. Podcast Episode 1974: Biblical Masculinity Is Missing and Relationships Are Paying the Price | don't miss this! Listen to more episodes of the Lance Wallnau Show at lancewallnau.com/podcast
Plus: Larry Ellison provides personal guarantee for Paramount's bid for Warner Bros. Discovery as Netflix lines up bank financing for its own offer. And Baidu partners with Uber and Lyft for robotaxis in the U.K. Julie Chang hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices
Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar. Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class. Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 welcome to GRE. I'm your host. Keith Weinhold, the Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education. Speaker 1 0:25 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 rights for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com Corey Coates 1:11 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 1:27 Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation. Keith Weinhold 7:30 We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest. Keith Weinhold 8:21 Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey, Doug Casey 8:57 Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year. Keith Weinhold 9:05 Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug? Doug Casey 9:53 Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years Keith Weinhold 12:14 to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works. Doug Casey 12:25 Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision. Keith Weinhold 13:53 Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that. Doug Casey 14:05 Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy. Keith Weinhold 14:22 And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today? Doug Casey 15:04 Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming Keith Weinhold 17:31 this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control. Doug Casey 18:23 Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people. Keith Weinhold 19:42 I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair. Doug Casey 20:51 Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are. Keith Weinhold 23:07 AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold Keith Weinhold 23:41 you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's one, 937, 795, 8989. Yep, text their freedom coach directly again. 1-937-795-8989 Keith Weinhold 24:52 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 420, Five, six, 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 Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com. Robert Helms 25:23 Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream. Keith Weinhold 25:34 Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not. Doug Casey 26:22 Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that? Keith Weinhold 29:27 Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market. Doug Casey 30:17 Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails? Keith Weinhold 30:47 Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values. Doug Casey 32:52 Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now, Keith Weinhold 34:39 when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class. Doug Casey 35:13 And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today. Keith Weinhold 35:27 Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first? Doug Casey 35:52 Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point. Keith Weinhold 38:39 Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that? Doug Casey 38:57 Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right. Keith Weinhold 39:30 We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else? Doug Casey 40:44 Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned Keith Weinhold 42:20 in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you Doug Casey 42:40 I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me. Keith Weinhold 43:49 Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show. Doug Casey 44:08 My pleasure. Keith, thank you. Keith Weinhold 44:16 Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year. Keith Weinhold 45:34 Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream. Speaker 3 45:53 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 46:21 The preceding program was brought to you by your home for wealth building, get richeducation.com
In this episode, I sit down with Jeff Booth, entrepreneur, author of The Price of Tomorrow, and one of the clearest thinkers on how technology, money, and human agency collide. We explore why Bitcoin is not just an asset but a protocol, how broken money distorts society, and why deflation is the natural state of free markets. We also dig into AI, privacy, self-custody, family, time, and what a Bitcoin standard could mean for human consciousness itself. If you're trying to understand Bitcoin beyond price, grapple with the implications of AI, or make sense of the confusing moment we're living through, this conversation is for you. ––– Offers & Discounts –––
Gary & Shannon track a powerful storm headed for Los Angeles, breaking down heavy rain forecasts and the travel disruptions likely to follow. They then turn to international headlines, including a U.S.-led pursuit of an oil tanker near Venezuela and renewed attention on Greenland as the U.S. appoints a special envoy to the region. The hour wraps with a look at World Cup fever in L.A., as demand for Airbnb rentals surges and prices jump more than 50%, raising questions about affordability and availability for locals.See omnystudio.com/listener for privacy information.
Sunday morning, December 21, Pastor Will PriceFor more information on knowing Christ: https://www.calvarypsl.com/knowing-christ/
The Michael Yardney Podcast | Property Investment, Success & Money
If you've been watching property prices over the past few years, you've probably noticed some strange trends – massive price rises, unpredictable shifts between cities and regions, and what feels like an endless debate about affordability. But what if I told you that the last five years of price data might be leading investors astray? Today, I'm joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who has written a confronting article explaining why the last five years of data are the least reliable in decades. Together, we'll unpack what's distorted the numbers – from COVID lockdowns and construction cost blowouts to volatile borrowing power and migration swings – and how smart investors can cut through the noise to focus on long-term fundamentals. Our conversation highlights the significance of local knowledge in making informed investment decisions and the need for a strategic approach to property investment, rather than relying solely on short-term data. Takeaways · The property market is influenced by various factors, including lending volumes. · Rising construction costs have a significant impact on property values. · Borrowing capacity has fluctuated due to regulatory changes and interest rates. · Migration trends can create pressure on rental markets and property prices. · Data analysis in property investment requires both science and art. · Local knowledge is crucial for making informed investment decisions. · Investors should focus on long-term fundamentals rather than short-term data. · Understanding the reasons behind market movements is essential for smart investing. · Population growth alone does not guarantee property price increases. Chapters 01:32 – Why the Last 5 Years of Property Data Can Mislead Investors 04:45 – How Surging Construction Costs Distorted Market Values 09:34 – Borrowing Capacity Shocks and Their Impact on Growth 17:07 – Migration Waves, Rentals and Why Sydney & Melbourne Lagged 23:55 – Work-From-Home, Regions and the Return to Big City Demand 27:26 – Cheap Money, Lending Volumes and Why Long-Term Data Matters 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/
Off The Ball's Matthew Brennan brings you a short & snappy round-up of all the latest from the greatest show earth - The World Darts Championship!WORLD DARTS CHAMPIONSHIP DAY ELEVEN ROUND-UP & DAY TWELVE PREVIEW!
Regular Trawl listeners will know that every Trawl episode ends with a clip ‘pudding' a treat at the end of every show. Marina and Jemma select clips they find funny, poignant, stirring or entertaining for one reason or another and in this very festive edition of Trawl Meets the Trawl ladies welcome some of your very favourite puddings - Anthony Richardson from The Exploding Heads, Larry and Paul from Broken News fame PLUS one of their favourite Christmas crackers whose posts also regularly feature - the one, the only, Danny F'ing Price - the Instagram activist and all round legend. Expect clip highlights, Christmas quiz questions such as ‘what would Brexit look like if it was a jumper?' and a lot of insight into how these brilliantly funny people became the internet sensations they are - holding power (and angry men like Colin from Portsmouth) to account. Enjoy ✌
No Josh this week, and it hurt. It certainly hurt the running time, at least. Enjoy this brief (and probably highly unsatisfying) year-end podcast! The perfect way to end a disappointing year! Read as: pricing on our PC hobby is increasing on everything thanks to AI datacenters so prepare to downsize or "last-gen" your latest build perhaps! Enjoy our attempt at a 2025 round-up as well, probably buy that Win10 ESU, and the Xbox is probably sinking...stories below!Thanks again to our sponsor this week: Copilot Money! Fantastic "single pane of glass" for all your finances and transactions that's actually enjoyable to use. Get 26% off the web version for new customers!Recorded December 17, 2025.Timestamps:0:00 Intro01:27 Patreon02:16 No food segment?!03:16 AM4 CPU prices spike08:37 Storage is poised to become more expensive soon09:35 Get ready for the return of laptops with only 8GB of RAM12:49 The last month for a new RTX 3060, and RTX 50 series production cuts15:17 A brief look back at 202526:30 Podcast sponsor - Copilot Money 28:02 (In)Security Corner33:42 Gaming Quick Hits42:58 Picks of the Week55:19 Outro ★ Support this podcast on Patreon ★
One of the greatest announcements in the history of the world happened on a night when a heavenly visitation was on display before a group of shepherds who were keeping watch over their flocks. A heavenly host appeared with the angel and proclaimed, "Glory to God in the highest, and on earth peace, goodwill toward men!" Most of the world has taken this statement to mean the proclamation of peace and goodwill is something that should be extended from one person to another. Certainly, this is a good thing when there is peace in the world and kindness and honesty between people. But the context here is God making a declaration of peace between the Creator and His creation as He extended goodwill towards us through the Price of peace. It coincides with the Savior of the world, born that night, taking on human form, and eight days later being named the name above all names ... Jesus. It's a mysterious occurrence that can be challenging to wrap our minds around. But the story unfolds and becomes alive within our hearts as God reveals it to us by His Spirit who bears witness to of the Word who became flesh. --Available on Amazon - "Clash of The Covenants: Escaping Religious Bondage Through the Grace Guarantee" https://www.amazon.com/dp/B0713ZSKY7
Off The Ball's Matthew Brennan brings you a short & snappy round-up of all the latest from the greatest show earth - The World Darts Championship!WORLD DARTS CHAMPIONSHIP DAY TEN ROUND-UP & DAY ELEVEN PREVIEW!
Good Sunday to you, Before we begin, let me flag this week's commentary. This a trade with a remarkably successful hit rate, a clear timescale and a relatively easy risk to manage - you know pretty quickly if it isn't working. 8 of last year's 9 ideas worked. By my reckoning you will find the biggest bargains of the year tomorrow, Monday December 22, and Tuesday December 23. So take a look: Right, so today I am marking my own homework.Every year, as old timer's will know, I like to offer some predictions for the year ahead - usually 10, but with inflation being what it is, it ends up higher. Today we look back and see how I did. The usual disclaimers apply - the more outlandish the prediction, the more entertaining - so the more likely I am to make it. But the less likely it is to actually happen. I try to strike a balance …As events change, so do opinions. Process is gradual. But when you jump a year, with no scope to revise as events turn in a different direction, quoted out of context and with the benefit of hindsight, predictions can look really, really stupid. Don't judge me, bro.I often find that the worse my predictions, the better my portfolio performs, which is odd, but there you go.If you want to read last year's piece in full, it's here. But I'll quote quite copiously below.A reminder of the scoring system: 2 points for a direct hit, 1 for a quite good, 0 for a miss, and -1 for an epic fail, giving me a maximum of 30 and a minimum of -10. How did I do? Let's find out. 1. The long overdue correction in the UK housing market finally begins.You can read my reasoning here, but it boiled down to: richer people being net sellers as they leave the UK, few foreign buyers, fewer buyers more generally because of high moving costs (Stamp Duty etc), little bullish sentiment in the economy meaning a reluctance to borrow and invest and the 18-year-property cycle turning down.What actually happened is by no means clearcut, but I'll try and summarise.Price growth and transaction volume were relatively high in the first 3 months, until Stamp Duty changes came into effect in April, after which the market became “subdued”. Overall, the north saw some increase, while London fell 2.4% in the year to October. Average growth was 1.7%, which is some 2% below official inflation rates - real inflation is of course much higher - meaning there have been price falls in real terms. This is even with the Bank of England bringing rates down, thereby enabling more money to enter the market via increased borrowing.Overall, transactions volumes increased by 9% on 2024, to get back in line with the 10-year average, though there is a very different story at the upper end of the market.The housing market has big problems, especially in the south, but it hasn't cratered - though nor has it soared. I'm giving myself 1 point. 2. Keir Starmer survivesEveryone thought he was toast this time last year - and he is - but my argument that “it's too early for Labour MPs, worrying about their seats, to give him the shove” prevailed. 2 points. 3. Gold hits $3,000.And the rest. It's $4,300 as I write and going higher. I was too conservative. 1 point. BTW. If you live in a Third World Country such as the UK, I urge you to own gold or silver. The pound is going to be further devalued. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, the US, Canada and Europe or you can store your gold with them. More here.4. Microstrategy (NASDAQ:MSTR) becomes a top 100 company by market cap.Oops. When Strategy hit $450 in July, its market cap would have been around $130 billion, making it perhaps a top 300 company but not a top 100. It would have needed to get above about $250 billion to make the cut. And since then it has the skids so badly it's now a tax loss opportunity.-1.5. Bitcoin goes to $200,000 then crashesI got the crash bit right. Sort of. $126k was the high, having begun the year at $91k. Today it's $88k. 0 points.6. Sterling has big problemsNope. It's had a good year. -1.7. X thrives, Blue Sky dies, Blogging Blue SkiesWell sort of. X saw strong numbers growth in the first part of the year, but these have tailed off. It is now a key place to go for breaking news and a leading news app, but by no means the Governor. The exodus to Blue Sky has slowed, but BS (LOL) is still growing albeit at a much slower rate. Blogging, as evidenced by Substack, is thriving. I'll give myself 1 point.8. The S&P500 Rises 10%15% actually. We predicted a decent year, despite year 1 of the electoral cycle tending to be the weakest. 1 point. Do I get 2? Nah.9. Oil ranges.Oil would neither crater nor moonshot, we argued. We saw a range of $60-90. Its actually been $55-80. 1 point.10. Small Caps ThriveThe Russell 2000 has had a good year - rising 12% - but the large caps are still winning. 1 point.11. The US Dollar Index breaks out to 20-year highs. Oops. I was looking for a high around 117 in the US$ index. It didn't get above 110. It fell! -112. The BRICS don't come out with a proper US dollar alternative … yetEveryone says it's coming, but it never actually does. 2 points.13. Silver disappoints … as always$33 is the high, $22 the low, I said. Ha! $28 was the low, and the high - $68. To be fair to myself, I said multiple times it was going to $50 and if it gets above there it goes to $90+, but the call was still an epic fail. Irony: silver has been a huge winner for readers this year and our pick, Sierra Madre Gold and Silver (SM.V), has been a joy to own. From 45c north of $1.50 :(I still get -1 though.14. Despite all the crap, the world becomes a better place to live.We live longer, we eat better, tech keeps improving things. We advance. AI makes us more productive and betters living standards.It's so obvious I can't believe I even said it. I'll give myself a point, but not 2.15. Your Bruce-y bonus sports prediction.Liverpool win the league. Ipswich, Southampton, and Leicester all go down.Bullseye. I should take up sports betting. 2 points.I don't actually follow football any more, but one of my son's told me that's what would happen.So, overall, a very poor showing for the DF Predictions, possibly my poorest year ever: totalling a measly 7 points.And, as always seems to be case, a much better year for my portfolio of companies. Here's hoping I get all next year's predictions similarly wrong.I'll be making those early next year - so look out for that.Thank you so much for being a subscriber to the Flying Frisby. I wish you and your family a very happy Christmas. Don't eat too much, go easy on the booze, pray, sing, get plenty of exercise, avoid toxic people and the lurgy, and be thankful for the many good things there are in your life.Once again - I urge you to take a look at the tax loss opportunities. Tomorrow and Tuesday are the buy days.Here's to a healthy, wealthy 2025. Until next time,DominicPS This Wednesday being Christmas Eve I almost certainly won't be putting out any commentary. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe
This podcast is powered by Klean Freaks University.com — where real cleaners build real empires. From mop buckets to million-dollar systems, we teach you how to clean smarter, lead stronger, and scale faster.In this episode, we break down why waiting to raise your prices quietly kills your profit — even when you're fully booked. If you've been putting off price increases because of the economy, the holidays, or fear of client pushback, this conversation is for you.We talk through how often price increases should happen, what percentage is normal, and why raising everyone at once is one of the fastest ways to lose clients. We also explain why December is one of the best times to raise rates, how pricing connects directly to payroll and rising operating costs, and how to roll out increases without panic or mass cancellations.A special thank you to our sponsor, Erica Paynter of MyVBK.com, for supporting this episode. Price increases aren't greedy — they're necessary if you want to protect your profit and build a sustainable cleaning business.Show notes are on my website, kleanfreaksuniversity.com Support the showThanks for tuning in to Cleaning Business Life, the show where we pull back the curtain on what it really takes to start, grow, and scale a thriving cleaning business without burning out. Every episode is packed with tips, stories, and strategies you can put to work right away—because you deserve a business that works for you, not the other way around. If you enjoyed today's episode, make sure to follow the podcast so you never miss a new release. And if you got value from this conversation, share it with another cleaning business owner who could use the encouragement and practical advice. Let's stay connected! You can find me online at:
I was on a coaching call yesterday with a bunch of people selling IT services, and the question came up: how do you handle price objections? When somebody says "that's expensive" or "more than we're paying now" or "higher than other bids," what do you do? I've got a really simple framework that works across any competitive selling situation—IT services, professional services, whatever. Here's how it works: First, ask "What makes you say that?" to understand if this is a negotiation tactic, a stall, or a real gap. Then clarify what it's relative to—get them to tell you the actual number they're comparing against. Here's the key move: minimize the amount psychologically. If you quoted $60K and they're at $42K, stop talking about $60K—now you're negotiating the $18K gap. Then slice it even smaller: "So we're $1,500 a month apart, or about 50 bucks a day for compliance?" That sounds way better than a $60K contract. Finally, isolate it: "If we can bridge that gap, are you ready to go ahead?" This episode breaks down the psychology of reframing price conversations so you're not defending your number—you're making the gap feel manageable relative to the benefits they want. Works across industries once you understand what we're actually doing here.//Welcome to Repeatable Revenue, hosted by strategic growth advisor , Ray J. Green.About Ray:→ Former Managing Director of National Small & Midsize Business at the U.S. Chamber of Commerce, where he doubled revenue per sale in fundraising, led the first increase in SMB membership, co-built a national Mid-Market sales channel, and more.→ Former CEO operator for several investor groups where he led turnarounds of recently acquired small businesses.→ Current founder of MSP Sales Partners, where we currently help IT companies scale sales: www.MSPSalesPartners.com→ Current Sales & Sales Management Expert in Residence at the world's largest IT business mastermind.→ Current Managing Partner of Repeatable Revenue Ventures, where we scale B2B companies we have equity in: www.RayJGreen.com//Follow Ray on:YouTube | LinkedIn | Facebook | Twitter | Instagram
Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy!Check out the full episode: https://greatness.lnk.to/1862"You get to choose how you behave. The heck with your thinking. Let's say your thinking is what it is, and it's riddled with doubt. You still get to choose how you behave." - Price PritchettPrice Pritchett asks the question that stops most people in their tracks: when you're ravaged with doubt, how do you act like success is certain? His answer flips everything you thought you knew about confidence. You don't wait for your thinking to change. You choose how you behave despite what's happening in your head. He calls it managing your remembering, this practice of deciding which memories get your attention. You can pull up every embarrassment, every humiliation, every time you dropped the ball. Or you can pull up the times you surprised yourself, the moments you did it right, and the wins that proved you had what it takes. We all have two voices competing for airtime inside our heads. The hero voice focuses on your strengths and accomplishments. And the villain voice, the con artist that pretends to protect you while actually keeping you small. That villain voice sounds so reasonable, so concerned. But Pritchett exposes it for what it really is: the critic that raises doubts and focuses on your weak points.Here's where it gets fascinating. Most people think the answer is more positive thinking. But research shows something different. Less negative thinking is where the real power lives. And the kicker? About 70% of your negative thinking goes completely unperceived. It's so embedded in how you move through the world that you don't even notice it operating. Pritchett explains that positive and negative thinking aren't opposite ends of one scale. They're two separate scales entirely. Which means you can keep positive thinking high while systematically cutting down the negative thoughts that sabotage you. It takes practice. It takes discipline to catch that villain voice and shut it up. But every time you choose which internal coach gets the microphone, every time you manage what you remember, and every time you act despite the doubt, you're training yourself in a different way of being. Because the coach closest to you isn't out there somewhere. It's the voice inside your head, and you decide who's talking.Sign up for the Greatness newsletter: http://www.greatness.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Strategy founder and executive chairman Michael Saylor named one of CoinDesk's 50 Most Influential. Strategy founder and executive chairman Michael Saylor was named one of CoinDesk's 50 Most Influential people of 2025. He reflects on the evolution of bitcoin treasuries, from a niche corporate experiment into a global phenomenon, detailing how Strategy has moved beyond simple accumulation into a high-growth operating business centered on digital credit. Plus, his bullish case for bitcoin's growth and outlook into the asset's volatility. – For more, check out CoinDesk's 50 Most Influential article on Michael Saylor: https://www.coindesk.com/business/2025/12/12/most-influential-michael-saylor. To see the full list, visit: https://www.coindesk.com/most-influential-2025. – Timecodes: 01:21 Michael Saylor's Bitcoin Journey 02:52 Institutional Support and Bitcoin Volatility 04:18 Bitcoin Treasury Strategies and Digital Credit 06:03 Exploring Digital Credit and Its Practicality 11:49 The Future of Bitcoin Treasury Companies 12:42 Innovations in Digital Credit Instruments 27:08 Challenges and Breakthroughs in 2025 39:16 Looking Ahead: Bitcoin's Price and Market Structure Legislation 43:29 Top Digital Assets for 2026 - Break the cycle of exploitation. Break down the barriers to truth. Break into the next generation of privacy. Break Free. Free to scroll without being monetized. Free from censorship. Freedom without fear. We deserve more when it comes to privacy. Experience the next generation of blockchain that is private and inclusive by design. Break free with Midnight, visit midnight.network/break-free - This episode was hosted by Jennifer Sanasie.
Greatness is expensive! You either choose the pain of discipline or the pain of disappointment. What level of suffering & sacrifice are you will to endure to achieve your goals?
Vanessa Williamson, author of The Price of Democracy, discusses her argument that the history of American fights over fiscal fairness reveals a connection between taxation and democratic power.For more on The Price of Democracy, you can read Joseph Thorndike's book review here: "ANALYSIS: Democracy Comes With a Bill Attached: A Tax-Centered History of America."**CreditsHost: David D. StewartExecutive Producers: Jeanne Rauch-Zender, Paige JonesProducers: Jordan Parrish, Peyton RhodesAudio Engineers: Jordan Parrish, Peyton Rhodes****Nominate someone for the Tax Analysts Award of Distinction in U.S. Federal Taxation! For more information, visit awards.taxanalysts.org. This episode is sponsored by Avalara. For more information, visit avalara.com. This episode is sponsored by Crux. For more information, visit cruxclimate.com/contact.
AP correspondent Ed Donahue reports on a White House plan to lower drug prices.
World Agricultural Outlook Board Chair Mark Jekanowski says projected price strength for turkeys is reflected in this month's price forecasts for 2025 and 2026. USDA Radio NewslineSee omnystudio.com/listener for privacy information.
In this episode of the Inorganic Podcast, co-host Ayelet Shipley interviews Carrie Kerpen, a pioneer in social media and co-founder of Likeable Media. They discuss Carrie's journey from starting a social media agency to successfully exiting the business. Carrie shares insights on the importance of profitability, setting exit goals, choosing the right M&A advisor, and negotiating earn-outs. She reflects on her experiences and the lessons learned, particularly for women entrepreneurs, and emphasizes the need for community and support in the business world.TakeawaysCarrie started Likeable Media in 2007, one of the first social media agencies.The initial focus was not on exiting but on building a profitable business.Setting a target exit value can help guide business decisions.Timing and personal readiness are crucial when deciding to sell a business.Choosing the right M&A advisor can significantly impact the sale process.Negotiating earn-outs requires careful consideration of control and reporting.Reflecting on the exit process can reveal areas for improvement.Building a community for women founders can provide essential support.Women entrepreneurs often face unique challenges in the exit process.M&A can be a powerful tool for business growth and problem-solving.Chapters0:00 Introducing Carrie Kerpen1:05 Founding Likeable Media 3:33 Early Growth & Cash Flow Challenges5:22 Becoming CEO and Focusing on Profitability6:37 Market Shifts & Productizing the Agency7:21 Building a Brand through All the Social Ladies9:07 Financial Stability & the $20M Exit Goal 10:43 Knowing When It's Time to Sell12:55 Choosing an M&A Advisor vs. a Banker15:36 Price vs. Timing After the Exit18:22 Negotiating & Protecting an Earnout22:02 Life After the Sale23:12 What Carrie Would Do Differently24:51 Acting Like a Platform and Rethinking Capital25:58 The Exit Gap and The Whisper Group27:45 Closing ThoughtsConnect with Christian and AyeletAyelet's LinkedIn: https://www.linkedin.com/in/ayelet-shipley-b16330149/Christian's LinkedIn: https://www.linkedin.com/in/hassold/Web: https://www.inorganicpodcast.coIn/organic on YouTube: https://www.youtube.com/@InorganicPodcast/featuredConnect with guest, Carrie Kerpenhttps://www.linkedin.com/in/carriekerpen/ Hosted on Acast. See acast.com/privacy for more information.
When you clear a forest to plant maize and make charcoal, you've already put a price on nature—the future cash flows from the maize and the wood. The problem is that price is far too low. In this episode of The Samuele Tini Show, I speak with Josep Oriol, Managing Partner at Okavango Capital Partners and a leading nature‑finance expert working across Sub‑Saharan Africa. A Catalan who fell in love with African wildlife as a child, Josep trained as a lawyer, moved into venture capital and banking, then finally to Southern Africa to build a different kind of private equity firm—one that backs nature‑positive businesses whose performance depends on how they treat forests, soil and water. Today, Okavango‑backed companies help protect around 8–9 million hectares of land (about twice the size of Switzerland) and create income streams for hundreds of thousands of rural people. We dive into: The mispricing of nature: every land‑use decision—from forest to maize field—is already a price signal, and why that's dangerous if we ignore the true value of ecosystems. Forest carbon in practice: the story of BioCarbon Partners, REDD+ projects, and rural families living on ~$20/month in cash who now earn income by keeping forests standing. Carbon market backlash: Josep's response to critics of carbon credits, and why, compared to agriculture, mining or logging, high‑integrity projects are often far more transparent and generous to local communities. Three big opportunity themes: smarter agriculture and agroforestry to boost yields and cut waste, tech for soil, post‑harvest, insurance and finance, monetising ecosystem services via tourism, carbon, biodiversity and water credits—and why fuelwood is still the elephant in the room. Why classic 5‑year 10x PE funds don't fit Africa: and how Okavango uses longer horizons and flexible instruments (loans with equity options, convertibles, prefs) instead of only straight equity. We close with Josep's advice for entrepreneurs in nature‑based sectors—live with existential threat, love cash flow and margins, and assume everything will take twice the time and three times the money—and his vision of Africa's future looking more like South Korea or Malaysia than Europe, if we get the nature piece right. If you care about where climate capital should actually go, this is a sharp, grounded conversation from inside the deal flow.
We are counting down to episode 400 by revisiting the first three series featured on our podcast! We start with The Price of Fear, the series Tim brought for our third episode! This time we’re listening to “Is There Anybody There”! The story depicts a spiritualist and her attempt to contact a man’s late wife. […]
Kevin and Kieran find out why Paris St-Germain have been ordered to pay Kylian Mbappe 60m euros by a French court, and discuss the news that Fifa have introduced "more affordable" World Cup tickets. Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow The Price of Football on X - @pof_pod Send in a question: questions@priceoffootball.com Join The Price of Football CLUB: https://priceoffootball.supportingcast.fm/ Check out the Price of Football merchandise store: https://the-price-of-football.backstreetmerch.com/ Visit the website: https://priceoffootball.com/ For sponsorship email - info@adelicious.fm The Price of Football is a Dap Dip production: https://dapdip.co.uk/ contact@dapdip.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices
Greg Flammang and Jamie Uyeyama discuss Jadarian Price opting for the NFL draft, Jeremiyah Love and Leonard Moore being unanimous 1st team All-Americans and more portal talk. Sign up for IrishSportsDaily.com: https://irishsportsdaily.com/subscribeWebsite: https://irishsportsdaily.com/Twitter: https://twitter.com/ISDUpdateInstagram: https://www.instagram.com/irishsportsdaily/Facebook: https://www.facebook.com/IrishSportsDailyOfficial YouTube channel of IrishSportsDaily.com, a Notre Dame community. The most trusted Fighting Irish source for Notre Dame Football, Baseball, Basketball and all recruiting information. Subscribe to watch our weekly Notre Dame podcasts: Power Hour with Mike Frank and Hit & Hustle with Greg Flammang and Jamie Uyeyama! A Special Thanks to ESQ:Looking to upgrade your wardrobe?Founded by ND alum and longtime ISD board member Ge Wang, you've seen ESQ's custom clothing on all of your favorite players and coaches. With over a decade of making the best bespoke clothing available, ESQ will help you look and feel your best in 2024. From a perfect fitting suit or sport coat, shirt or bomber jacket - or that perfect tuxedo for wedding season, check out esqclothing.com and book an appointment to upgrade your wardrobe today. Mention ISD and get 10% off your entire purchase.ESQClothing.com #notredame #notredamefootball #ndfootball #goirish #fightingirish
It's a big data day for the US, Europe and the UK. What do interest rates decisions and inflation data mean for the global economy? India's textile businesses say high US tariffs are causing major pain for businesses. We hear from the Treasurer of the Tiruppur Exporters Association. And should we be categorising Labubu dolls as a fad?You can contact us on WhatsApp or send us a voicenote: +44 330 678 3033.Presenter: Leanna Byrne Producer: Victoriya Holland Editor: Stephen Ryan
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We discuss the decisions of Notre Dame running backs Jeremiyah Love and Jadarian Price to head to the NFL and answer listener submitted Notre Dame football questions on today's show. See omnystudio.com/listener for privacy information.
We discuss the decisions of Notre Dame running backs Jeremiyah Love and Jadarian Price to head to the NFL and answer listener submitted Notre Dame football questions on today's show. See omnystudio.com/listener for privacy information.
After covering breaking political news from across the commonwealth, including good news for Democrats in Louisville and bad news for workers in Hardin County, (including a check-in with Hadlee Hadfield w/BlueOval) Aaron and Nate then welcome Vanessa Williamson to the show to discuss her new book, "The Price of Democracy." #ColonelsOfTruth Progress KentuckyCALL TO ACTION:Join us for our next Flip the 6th Volunteer Night - Monday, Jan. 5th: https://www.progressky.org/mondayNEWS OF THE WEAK:https://kentuckylantern.com/briefs/louisville-union-leader-keeps-kentucky-senate-seat-democratic-after-special-election/https://www.facebook.com/photo/?fbid=1288554533311056&set=a.484225600410624https://www.facebook.com/photo?fbid=1285522003614309https://kentuckylantern.com/2025/12/15/ford-to-convert-ky-battery-plant-for-energy-storage-business-reportedly-laying-off-1500-workers/CAMPAIGN CORNER: Halee Hadfield, BlueOval SK INTERVIEW: Vanessa Williamson, "The Price of Democracy: The Revolutionary Power of Taxation in American History"https://bookshop.org/p/books/the-price-of-democracy-the-revolutionary-power-of-taxation-in-american-history-vanessa-s-williamson/1ad7830c97b7b486#ProgressKentucky - #ColonelsOfTruthJoin us! http://progressky.org/Support us! https://secure.actblue.com/donate/progresskyLive Wednesdays at 7pm on Facebook https://www.facebook.com/progressky/live/and on YouTube http://bit.ly/progress_kyListen as a podcast right here, or wherever you get your pods: https://tr.ee/PsdiXaFylKFacebook - @progressky Instagram - @progress_ky Bluesky - https://bsky.app/profile/progressky.org https://linktr.ee/progresskyEpisode 240 was produced by Parker WilliamsTheme music from the amazing Nato - hear more at http://www.NatoSongs.com
In this episode of the Omnia Performance Podcast, Fergus Crawley and Dr. Phil Price cut through the noise on concurrent training's interference effect. They unpack the science - from AMPK vs. mTOR signaling to why your training history matters - and deliver practical programming strategies for hybrid athletes. The bottom line? You can't optimize everything at once. Smart training means strategically consolidating stress and accepting the right compromises. Join The Wintering Training Plans and CoachingBook your FREE consultation callHybrid Training Guide (100% FREE)
1.6% of the US economy is Gift Cards… And 1 outta 7 of you will get a Starbucks one.The White House launched Tech Force... $200K/yr sabbatical to make the DMV run like Airbnb.Zillow's getting zucked by Google, so we have an idea to save Zillow… Name Your Price.Plus, SNL did a skit about a fake Uber Eats Wrapped… but then it really happened.$Z $GOOG $SBUXBuy tickets to The IPO Tour (our In-Person Offering) TODAYAustin, TX (2/25): https://tickets.austintheatre.org/13274/13275 Arlington, VA (3/11): https://www.arlingtondrafthouse.com/shows/341317 New York, NY (4/8): https://www.ticketmaster.com/event/0000637AE43ED0C2Los Angeles, CA (6/3): https://www.squadup.com/events/the-best-one-yet-liveGet your TBOY Yeti Doll gift here: https://tboypod.com/shop/product/economic-support-yeti-doll NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Most people talk about wanting an extraordinary life. However, very few are willing to live extraordinarily different to earn it. That gap is what this episode is about. Austin Zaback built what most people chase for decades before the age of 30. Over $3 billion in real estate sold. Twelve companies founded. Hundreds of employees. A national real estate team spanning multiple states. None of it came from luck. It came from obsession. In this conversation, we unpack what it actually means to be obsessed in your 20s and why that season of life is the greatest window most people waste. Austin shares the sacrifices, intensity, and relentless standards that allowed him to build trust, authority, and momentum while most people his age were still figuring things out. We talk about how he earned credibility as “the young guy” in rooms full of older, more experienced players, why mastery and work ethic still beat shortcuts, and how becoming impossible to ignore in your market changes everything. Austin breaks down why obsession is not about burnout or hype, but about commitment, clarity, and eliminating distractions long enough to build something real. This episode also challenges the idea of balance. We explore the difference between grinding aimlessly and building with intention, how Austin thinks about family, business, and long-term fulfillment, and why efficiency in your 30s is earned through intensity in your 20s. If you are early in your journey, this episode shows you the standard required to separate from the pack. If you are further along, it will force you to ask whether you are still playing at the level your goals demand. This is not motivation. It is a reality check. We hope you enjoy it! Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES
Instacart is using customer data to charge different prices for the exact same products. It's called surveillance pricing, and it means you could be paying more based on who you are. This episode was produced by Miles Bryan and Dustin DeSoto, edited by Jolie Myers, fact-checked by Laura Bullard, engineered by Patrick Boyd, and hosted by Noel King. The Instacart delivery bear in Minneapolis. Photo By Jerry Holt/Star Tribune via Getty Images. Listen to Today, Explained ad-free by becoming a Vox Member: vox.com/members. New Vox members get $20 off their membership right now. Transcript at vox.com/today-explained-podcast. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Netflix has a price, but what's the cost of what it does to you? Raghunath and Kaustubha riff on Oscar Wilde's brutal truth—people know the price of everything and the value of nothing—and trace how modern consumption can quietly make the mind coarse, restless, and spiritually numb. They then turn to the 10th Canto of the Śrīmad Bhāgavatam, reading radiant verses of Kṛṣṇa's Vṛndāvan pastimes—scripture meant to purify the heart and elevate consciousness from crude appetite to the highest spiritual taste. Drawing from Bhagavad-gītā 2.57 and Bhaktivinoda Ṭhākura's explanation of Dhenukāsura as the ass-like mentality of gross sensuality—overcome by Balarāma as guru-tattva—they show why the greatest wealth in life is finding guidance that reveals the true value of spiritual life, and seeking it with real intensity. ******************************************************************** LOVE THE PODCAST? WE ARE COMMUNITY SUPPORTED AND WOULD LOVE FOR YOU TO JOIN! Go to https://www.wisdomofthesages.com WATCH ON YOUTUBE: https://youtube.com/@WisdomoftheSages LISTEN ON ITUNES: https://podcasts/apple.com/us/podcast/wisdom-of-the-sages/id1493055485 CONNECT ON FACEBOOK: https://facebook.com/wisdomofthesages108 *********************************************************************
Germany is racing to rearm as the war in Ukraine shakes its sense of security, forcing the country to confront its military past as it strengthens its military might. Correspondent Bill Whitaker observes basic training in northwest Germany and speaks with defense minister Boris Pistorius in Berlin to find out how Germany plans to achieve its aim of building the most powerful armed forces in Europe. A new generation of drugs is offering hope to children who once had none. But these breakthrough therapies can cost millions for a single dose, and the American healthcare system still hasn't figured out how to pay. Correspondent Scott Pelley sets out to understand the challenges of paying for these expensive treatments. An unscripted underdog saga is unfolding in the most unlikely setting this college football season. Indiana University's perennially overlooked and outmatched Hoosiers have transformed into the #1 ranked team in the country. Correspondent Jon Wertheim speaks with head coach Curt Cignetti and dives into how this remarkable turnaround took shape – as the undefeated Hoosiers contend for a national championship. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices