Podcasts about prices

JAKEGTV is joining us live from the supposed war zone in Puerto Vallarta, where the Zionist media is shoving down endless footage of black smoke, burning buses, torched stores, flaming highways, and panicked tourists after the U.S.-backed hit on CJNG leader El Mencho. Stew Peters breaks down Tucker Carlson's absolute demolition of Mike Huckabee in their explosive Israel interview. Huckabee, the fake Christian Zionist US Ambassador to Israel, got caught red-handed pushing the Jewish supremacist fantasy that Israel has a “biblical right” to steal the entire Middle East from the Nile to the Euphrates.

It's In the News.. a look at the top headlines and stories in the diabetes community. This week's top stories: big updates for stem cell and islet transplants, new pen option for Zepbound, an implantable insulin pump moves forward and more! Announcing Community Commericals! Learn how to get your message on the show here. Learn more about studies and research at Thrivable here Please visit our Sponsors & Partners - they help make the show possible! Omnipod - Simplify Life All about Dexcom  T1D Screening info All about VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com  Episode transcription with links: Welcome! I'm your host Stacey Simms and this is an In The News episode.. where we bringing you the top diabetes stories and headlines happening now. A reminder that you can find the sources and links and a transcript and more info for every story mentioned here in the show notes. Quick reminder: I'm just back from MNO DC and I'm exhausted. But it's the best kind of tired. We had an incredible time – hope you can join us in Nashville. With a reminder that we have our first Club 1921 in Nashville – that's our educational dinner series for HCPs and patient leaders. All the info is over at diabetes-connections.com events/     Okay.. our top story this week: XX An "immune system reset" eliminated Type 1, diabetes in mice in a study conducted at Stanford Medicine without immune suppressant medications. This was a combined transplant of blood stem cells and insulin-producing pancreatic islet cells from a donor whose immune profile did not match the recipient. The dual transplant approach both restored insulin production and retrained the immune system. For the full six months of the experiment, the animals did not need insulin injections or immune suppressive medications. Challenges remain using this approach to treat Type 1 diabetes. Pancreatic islets can be obtained only after death of the donor, and the blood stem cells must come from the same person as the islets. It is also unclear whether the number of islet cells typically isolated from one donor would be enough to reverse established Type 1 diabetes. But the researchers are working on solutions, which could include generating large numbers of islet cells in the laboratory from pluripotent human stem cells, or finding ways to increase the function and survival of transplanted donor islet cells. https://scitechdaily.com/stanford-scientists-cure-type-1-diabetes-in-mice-without-insulin-or-immune-suppression/ XX An electronic implant interlaced with islet cells is being looked at to treat type 1. Researchers at the University of Pennsylvania School of Medicine worked with engineers at Harvard University to combine stem-cell biology with soft electronics. They inserted an ultrathin, flexible mesh of conductive wires — thinner than a human hair — into developing pancreatic tissue. As the cells assembled into clusters, the mesh became woven through them. The electronics can record the faint electrical signals produced by the cells that control insulin release. They can also deliver small pulses of electricity back to the cells.   After several days, the cells began to behave more like mature islets. Their internal signalling shifted, neighbouring cells started working in concert and insulin release became stronger and better timed.  Very early on here – and the transplanted cells still need to be protected from being attacked by the immune system. https://www.thetimes.com/uk/science/article/first-cyborg-pancreas-implants-type-1-diabetes-nxkv8r0fp?gaa_at=eafs&gaa_n=AWEtsqeJYYUF9TMR-GgGUG92hPyog-ISeiqGIgdyaaIKKcpvhtoftGiUaaOtQeG0NWI%3D&gaa_ts=699c50d4&gaa_sig=w-PQ0ArosZSznYDSWEzt8aQg4WC0FF5ZFRt9NedO5sSTL2FyWzupH8eSG7RCy2S8TQnlHOeKCudANWm1MNI59w%3D%3D XX Katie Beth (hand) Eledon trial – aaron kowalski post linkedin. Last fall we told you about promising results from Eledon's drug to prevent islet transplantation rejection in type 1 diabetes. The first six patients no longer had to inject or infuse insulin.. the trials continue and this month one of the patients – Katie Beth Hand – began posting about her experiences one month in, on social media, she says she's off basal insulin already and in range 99 percent of the time. She is also encouraging people to learn more about support the islet act https://lnkd.in/e8pQ7_Y7 XX This is a bill introduced last November which would change the wording on pancreatic cell transplants. The problem is that islets are classified as drugs rather than organs, making transplantations difficult for medical teams and centers to preform due to accessibility. Insurance companies are also less likely to provide reimbursements for treatment, which can cost hundreds of thousands of dollars. The official Journal of The Transplantation Society estimates the cost at about $140,000. The bill went to the senate committee of Health, Education, Labor, and Pensions in early November. No other action has been taken since then. https://www.wtoc.com/2026/02/19/bluffton-family-advocates-islet-act-help-diabetic-son/ XX Big change for the obesity drug Zepbound – now available in the multi dose KwikPen. This is a month's worth of doses in a single pen.. and it's multi dose – you can adjust it. Cash-paying patients can get the multi-dose device, called KwikPen, on the company's direct-to-consumer website, LillyDirect. Prices start at $299 per month for the lowest dose level. Until now, you could only get zepbound in a single dose auto injector or a sing dose vial. In a release, Lilly said the Food and Drug Administration approved a label expansion for Zepbound to include the multi-dose device. The KwikPen is already used for other drugs, such as Lilly's popular diabetes medication, Mounjaro – which is the same medication as zepbound, they're both tirzepitide. https://www.cnbc.com/2026/02/23/eli-lilly-launches-zepbound-obesity-drug-pen-one-month-doses.html   XX For years, researchers have observed that people who live at high elevations,  tend to develop diabetes less often than those at sea level. Although the trend was well documented, the biological explanation behind it was unclear. Scientists now say they have identified the reason. Their research shows that in low oxygen environments, red blood cells begin absorbing large amounts of glucose from the bloodstream. Their work showed that when oxygen is limited, red blood cells use glucose to generate a molecule that helps release oxygen to tissues. This process becomes especially important when oxygen is in short supply. The researchers also found that the metabolic benefits of prolonged hypoxia lasted for weeks to months after mice were returned to normal oxygen levels. They then evaluated HypoxyStat, a drug recently developed in Jain's lab that mimics low oxygen exposure. HypoxyStat is taken as a pill and works by causing hemoglobin in red blood cells to bind oxygen more tightly, limiting the amount delivered to tissues. In mouse models of diabetes, the medication completely reversed high blood sugar and outperformed existing treatments. https://www.sciencedaily.com/releases/2026/02/260221060952.htm XX Watching this one closely – Portal Diabetes gets FDA breakthrough device designation for its implantable insulin pump system. This is a system that includes not just a device that's implanted into the abdomen, but also a new, temperature stable insulin. It will work with – quote – "modern" CGM technology with a fully closed loop - and aims to deliver a functional cure for type 1. While reports say Portal's system is the first in the US – there was an implantable pump developed and used by about 500 people worldwide, including about 100 in the US – by MiniMed. Medtronic bought the company and in 2007 they stopped that program. Portal Diabetes expects to begin clinical trials on its combination system around the fourth quarter of 2027. https://www.drugdeliverybusiness.com/portal-diabetes-fda-breakthrough-implantable-insulin-pump/ XX Sequel Med Tech and Senseonics (NYSE:SENS) today announced the full U.S. launch of their CGM and insulin pump integration. That's the eversense cgm and twist pump. Sequel said its full launch with Eversense 365 makes twiist available with two compatible CGMs. twiist also pairs with the Abbott FreeStyle Libre 3 Plus sensor. Eversense 365, an implantable system, rests under the skin for the duration of a year. Users can change its external, silicone-based adhesive daily with almost no skin reactions. https://www.drugdeliverybusiness.com/sequel-senseonics-full-launch-twiist-eversense/ XX Right back with a Dexcom update, and a look at which type of diet reduces insulin use overall.. right after this: -- Back to the news.. Dexcom is watching for expanded Medicare coverage of its continuous glucose monitors to people with Type 2 diabetes who don't take insulin. CEO Jake Leach told investors on Thursday that the company has been "sitting here waiting for a coverage decision" from the Centers for Medicare and Medicaid Services Dexcom started to see commercial coverage unlock for Type 2, non-insulin users toward the end of last year, Leach said. He expects broader Medicare coverage for that group would allow nearly 12 million people to access CGMs.     In the meantime, the American Diabetes Association updated its guidelines last year to recommend clinicians consider using CGMs for Type 2 diabetes when patients are taking glucose-lowering medications other than insulin. Leach said that real world data the company has been generating supports that decision, and that Dexcom has launched a registry for non-insulin users. https://www.medtechdive.com/news/dexcom-seeks-expanded-medicare-coverage-of-cgms-for-type-2-diabetes/812223/ XX Medtronic's separation of MiniMed is not yet complete.. but continues to move forward. The company has submitted their next pump – MiniMed Flex – to the FDA. This is a pump smaller than the 780G but uses the same reservoirs and infusion sets. It will also work with both the Simplera Sync and Instinct sensors. Medtronic also began a U.S. pivotal study for Vivera, its third-generation algorithm for automated insulin delivery. It also remains set to submit its MiniMed Fit patch pump system to the FDA by the coming fall. https://www.drugdeliverybusiness.com/medtronic-submits-minimed-flex-fda-q3/ XX A study modelling how genes may influence a child's body mass index over time has found that BMI at age 10 and overall growth rate between ages one and 18 might be important factors, as the two are more likely linked to diabetes, high cholesterol, and heart disease in later life. Nearly 66,000 BMI measurements from around 6,300 children and adolescents aged one to 18 were analysed to understand the role of genes.     "Future research is needed to help identify the most effective ages to prevent obesity or poor growth for long-term benefit." https://www.ndtv.com/health/bmi-at-age-10-growth-rate-up-to-age-18-are-important-factors-for-diabetes-heart-disease-study-11125146 XX A low-fat vegan diet—without cutting calories or carbs—may help people with type 1 diabetes significantly reduce how much insulin they need. In a new analysis published in BMC Nutrition, participants following the plant-based plan lowered their daily insulin use by 28%, while those on a portion-controlled diet saw no meaningful change. Researchers say the reduced insulin requirement likely reflects improved insulin sensitivity. The original 2024 study reported additional benefits from the vegan diet. Participants lost an average of 11 pounds and showed improvements in insulin sensitivity and glycemic control. Cholesterol levels and kidney function also improved among those following the plant-based plan. https://www.sciencedaily.com/releases/2026/02/260212234212.htm XX Interesting little tidbit from the Winter Olympic Games.. the World Anti-Doping Agency (WADA) was monitoring GLP drug use. An advisory group that makes recommendations about WADA's list of prohibited substances discussed the status of GLP-1 medications, and added semaglutide (Ozempic, Wegovy, Rybelsus) and tirzepatide (Mounjaro, Zepbound) to its monitoring program That means patterns of use of these drugs will be tracked both in and out of competition.  The finding will be used to make recommendations about whether GLP-1 agonists should be added to the prohibited list, the spokesperson explained. While GLP-1 drug use is not currently prohibited, that could change before the next Summer Olympic Games in Los Angeles in 2028, he noted. https://www.medpagetoday.com/popmedicine/cultureclinic/119770 XX That's it for in the news!

This week on Two Parents & A Podcast, we're recapping our BABYMOON in Miami… which did NOT go exactly as planned (read: food poisoning + a hospital visit) — but somehow we still had the best time!!

HVAC equipment prices are climbing again, and most homeowners won't feel it until a repair turns into a replacement.In this episode, we break down what's driving the increases, why waiting until peak summer can cost more, and how to know when it's time to stop repairing and start planning.You'll learn:What's behind the 2026 price increasesHow refrigerant changes are reshaping equipmentWhy older systems fail at the worst timeThe real difference between planning and reactingHow to decide if your system is worth fixing or replacingIf your unit is aging, your energy bills are rising, or comfort isn't consistent, this is the conversation to have before the heat hits.Practical guidance. No fluff. Just what homeowners need to know to stay comfortable and avoid expensive surprises.

From 02/23 Hour 3: The Sports Junkies react to some wild hotel prices.

02/23 Hour 3: Washington Should Pursue These Players - 1:00 Hotel Prices Have Gotten Outrageous - 14:00 Buffalo Wild Wings Won Their Wild Lawsuit - 31:00

Keith digs into what's really going on with apartments now that values in many markets have dropped 20–40%. You'll hear why larger multifamily properties have been hit so much harder than one-to-four unit rentals, and what that means for both current owners and new buyers. "The Apartment King," Brad Sumrok, joins the conversation to share how recent economic shifts, financing structures, and market forces have reshaped the apartment landscape—and why he believes we may be near a key turning point in the cycle. You'll also learn how investors are approaching deals differently today, what makes certain markets and property types more attractive right now.  Resources: Learn more about Brad here. Episode Page: GetRichEducation.com/594 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  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 us. Apartment Building values have fallen 2030, even, 40% over the past few years. Investors lost millions. What are all the reasons that it happened? And when will apartments turn around? I'm joined by the apartment king today on get rich education.   Corey Coates  0:26   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold, writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:09   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com you   Corey Coates  1:40   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  1:59   Welcome to GRE from Monterrey, California to Monterrey, Mexico and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack. John, act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education, and I'm still not wearing a pair of Dockers. We all know that the one to four unit space single family homes, up to four plexes have held under their values despite soured affordability, but five plus unit apartment buildings are a drastically different story. We're going to talk about just how much value they've lost recently, and the reasons why it's about more than just the interest rates doubling and tripling that began in 2022 Today's guest is an apartment educator. His students have had both losses and wins over time. I'll ask about both, because adversity is where you get the lessons now today, you might buy an apartment building at a steep discount compared to what it sold for five years ago. And who might you buy an apartment from today, it might not be the type of seller that you're thinking about because of owners defaulting you might now be buying it from a bank that had to basically repossess it. Yeah, you might try to buy it from a lender at 60% of the loan amount. Well, a lender doesn't want to do a 40% write down, so they're going to try to get more and see. That's how this could practically look today for an apartment owner that survived the crisis and is still standing today. They're asking themselves, now, why would I sell at a discount if I don't have to? So they're probably going to try to hold on. And then, of course, the tenants in these apartments don't know that any of this is going on now. I own a lot of single family rental homes myself, also apartment buildings in the one to one and a half million dollar range is where I've played, and often that ends up being eight to 12 units, because in that space, I don't need partners to invest in assets of that size. One to $2 million is also small enough so that you're not competing with institutional money and other players. Today, I'll tell you what I did with some of those buildings myself when interest rates reset about four years ago, and before you and I wrap up the show today, I've got something to tell you about what's coming in future. GRE episodes here stuff that's really unexpected as the apartment King waits in the wings. One last thing to tell you about, like I mentioned to you recently, investors say that they want an opportunity, but what they really want is certainty. Once certainty arrives, the opportunity. Is gone.    Keith Weinhold  5:01   Our GRE live event last Thursday was a success. It is about how central Florida is the most compelling housing market right now, with the builder offering rate buy downs as low as 3.75% and, you know, I just ran the numbers on something, and I can hardly believe this. All right, right. Now owner occupied mortgage rates are near 6% this means investment property rates are almost 7% with the rate by down to 4% here's how your cash flow looks with a 30 year fixed rate mortgage on a 300k loan with a 7% rate, your p and i payment is 1996 at a 4% rate. It's just 1432, this is a reduction of $564 per month, a whopping payment difference. That's really the difference between treading water and stacking cash flow on these brand new build properties that we're talking about here in Central Florida. So talking about opportunity and certainty, that is a big measure of both. Yeah, before I ran the numbers, I didn't realize that the spread was this wide. With high demand for these properties, the builder does have some more available, a long term fixed rate of around 4% it should be up for you now you can see the limited time replay of GRE, freshest live event at grewebinars.com, in case you want to look into This again, grewebinars.com let's discuss the apartment market. Foreign apartment building values have fallen at 20% 30% even 40% over the past few years, depending on the market that they're in today, we're going to learn how bad it is, why it happened, and if that actually creates an opportunity here in the late 2020s, decade, our guest is known as the apartment king. He is the number one nationally known educator and mentor for apartment investing. He started with a bang in 2002 by making his first ever real estate investment, not a four Plex like I did, but a 32 unit apartment building, and he's now owned and invested in over 11,000 units and over 1 billion in assets under management. He's received awards like the naa independent owner of the year, and he's the star of the massively popular in person events that he puts on, which you'll learn about soon. Hey, it's been several years. Welcome back to the show. Brad sumrock,   Brad Sumrok  7:46   hey, Keith. It's really good to be on again. Nice to be here.   Keith Weinhold  7:50   Brad and I were together in person last month, and we also talked physical fitness. Then Brad is one of the fittest guys you'll ever meet in person. He just looks fantastic. We want to hear about your apartment forecast shortly. Brad, let's talk about the hard stuff. First, you've endured adversity since we last had you here several years ago. Tell us about that.   Brad Sumrok  8:14    Well, look, I mean, I think anyone that's been serious about investing in apartments over the last five years. And I'll also say it this way, anyone who did a deal and say 21 the middle of 21 till probably the end of 2022 it's very likely that that property is worth less today than than it was when we bought it. So that, in itself, has created, you know, adversity, because I got into the business in 2002 and the market went up until 2008 and we went through a downturn in 2008 nine and 10, as is, I'm sure you're aware. And then the market went up again until around 2021, mid year. And then, due to so many reasons, and I could go into those reasons, but let me just just cut to the chase. That you alluded to is we had another downturn, and so the downturn, you know, impacts property values, it impacts confidence, it impacts investor appetite to do deals. It impacts just about everything related to the business, on the investment side, and the other business that I'm in, which is the seminars, the events and the mentoring. So it's been a big downturn, and we could go into those, you know, into the reasons why, and I'm sure you'd like to know my take on that. But now is a great time, because things are recovering, and one of the things Tony Robbins teaches Keith is pattern recognition. It's like I've been through two downturns, and I could see the patterns, and it occurs to me that we're at or near the bottom of a cycle. So like it's also a good time to be gearing up.   Keith Weinhold  9:50   Now, many realize but for those uninitiated on this, the one to four unit space really didn't feel much pain starting in 2022 so much of that is time. Two people get long term fixed interest rate debt on the one to four unit property, but it's shorter term debt on five plus unit apartment buildings. So when interest rates went up, people soon had to pay those higher rates. They were underwater. That's really the genesis of so much of the apartment building pain.   Brad Sumrok  10:19   Well, and I would say, look, it was, I'm going to throw a bunch of things at you here. So we had the pandemic, right? And during the pandemic, people got paid to stay home from work, right? The government printed, what, $5 trillion worth of money, right? And so that kicked off what became a period of, like, very high inflation. And you know, the published number was 9% but I think a lot of people experience certain items that were a lot more than 9% like, for example, for sure, in 2022 when we bought a 286 unit property, you know, we were able to replace all the appliances inside of a unit in The kitchen, you know, for $1,800 and even today it's like $3,200 so that's a little bit more than 9% and so we had that. So we had the printing of money, we had inflation, we had variable rate debt. Why did people do variable rate debt? The first thing I'll say is there is a place for variable rate debt. But what happened in 2021 and 2022 is the fixed rate lenders, which are typically the government sponsored agencies Fannie and Freddie. They were still lending money, but because of their criteria for lending, if you would go with one of those loans, you would get like 50% leverage the shorter term lenders that would give you the three year loans, you can still get like 75 to 80% leverage. So the vast amount of people that were buying anything in 2021 and 2022 I mean, I'm not just talking about myself. I'm talking about people with 2030, 4050, 70,000 doors all over the country, they were buying with short term debt. And historically, short term debt performs at or better than long term debt. I mean, think about it, when you get a long term, 10 year fixed rate loan and multifamily you have prepayment penalties. You know, when the market's constantly going up like it did, from 2012 to 2022 you could get that fixed term loan. You could pay it off early, you could pay the seven figure prepayment penalty, and you could still make lots and lots of money, and that's what people were doing. So when you bake in the prepayment penalties on long term debt, you know short term debt is oftentimes the better option. Well, nobody saw the Fed raising rate 16 times in 12 months. And look, I don't care what anybody says, Nobody predicted it. If they had predicted it, they would be probably the richest person in the world right now, right nobody saw a comment like, there may have been some people that said, hey, yeah, this is going to happen, or this is going to happen. But what actually happened with the Fed rates over a very short period of time was unprecedented. Unprecedented means it never happened before. So it's not something you could anticipate or something anyone can model. Okay? And so what that did is most of us had what's called an interest rate cap, which is an insurance policy that if the rates go up too much, that yours is capped. But the problem with those rate caps is they're only good for like, two years, right? So we're buying these deals in 2021 and we're getting short term debt, which is a three year debt. And in two years, in 2023 the rate cap expires, and now the rates are 9% instead of 3% and when we bought the deal, the rate cap insurance was $40,000 and now it's a million dollars. And so you're in a very awkward, unfriendly financial situation. And it wasn't just that. So it wasn't just inflation, it wasn't just interest rates. And many of us sung belt markets, specifically Texas and Florida, which historically have been some of the best markets to invest in, because of migration and no taxes, and then landlord and business friendly environments. Well, these states also suffered a lot of named storms, with, you know, hurricanes and wind storms and hail storms and so in these markets, at the same time, we had rising rates. At the same time, we had massive inflation. Now we also have insurance rates doubling or even tripling in some occasions. And then the final thing was, during the pandemic, a lot of the multifamily projects that were in the middle of being built, these development projects, they all slowed down. People couldn't work. And so back in 2020, or after we're fully recovered from the pandemic, some of these markets, like Nashville and Austin and Dallas and Houston and Phoenix, they got deluged Keith with new supply coming on, like a disproportionate amount of new supply. So there's like five. Five things that contributed to multifamily being really tough in the last few years. And so it wasn't just people with short term debt that had challenges. It was probably just about anybody that bought a deal within an 18 month timeframe that I outlined before that just really experienced challenges, and some of those people are still in deals, right? And so let's just take a deal that's, you know, a $10 million deal with a $7 million loan. Well, that deal right now might be only worth 7 million, yeah, and that's the opportunity. So the owner that has that deal may get punched in the face, so to speak, you know, by the market, and they may lose their equity in that deal, but the borrower coming in, or the buyer coming in, like one of my mentees right now, had a deal that was listed at 11 million, and he's picking it up for seven, which is, like, at or below the current loan value. So one buyer group's loss is the new buyer group's opportunity, if that makes sense   Keith Weinhold  16:03    right? 100% there's nothing unusual at all about the mortgage rate levels that began to go higher about four years ago. The unusual part, and Brad has touched on it, is the rate of increase, with mortgage rates doubling or tripling in a short period of time, within about a year or so, but yeah, it's a great point. It's about more than the mortgage rates. It's about increasing insurance costs and increasing expenses of all types, like you talked about with the appliances there, and then, even if you were able to weather all that as an apartment building owner, with all of the supply coming on to the market, when supply exceeds demand, we know what happens to price, and we also know that you can't raise rents very much with all of this supply coming on the market, but the supply of new apartment buildings, that inflow, that wave, is beginning to die down, because builders got the memo quite a while ago that they need to stop building at such a fast pace in places like Florida and Texas and you know, Brad, there are a lot of asset classes that have been beaten up lately. We can always point to a few. You can look at Bitcoin or nfts or even commercial office space. Now those assets might bounce back, but they don't have to, because no human needs those things. But I expect apartments to bounce back because having a place to live is a primordial Maslow and human need. It's almost inevitable. In fact, shelter is at the base of Maslow's hierarchy of needs. So a bounce back has almost got to happen. Yeah.   Brad Sumrok  17:46   Look, it's becoming the big word right now in politics. Right is affordability. And so when you look at affordability, if you take a median priced home in this country of say, $400,000 I don't know if that's the actual median, but maybe it's around 400 420,000 100, $420,000 yes, to buy that home. And who's going to buy a $420,000 home? It's going to be a working class family making 60 to 70,000 a year, right? They could rent a median priced apartment unit for $1,800 a month, or they could pay a 20% or a 10% down payment on a $400,000 homes, and they need 40 to 80,000 down right, or maybe less, but they still need a down payment and that p i, t i, the principal, interest, tax and insurance is going to be around $3,100 okay, so there's a $1,300 per month gap, and that's a big, big gap for that working class family. And so where are they going to live? Like we're becoming more and more of a renter nation? Keith, and the statistics that I read say that only 27% of American families can even qualify to get a mortgage, yeah, on a $400,000 home. So we're becoming more and more and more of a nation of renters by necessity. And so the demographics like look, all markets are not equal. You got to know what's going on in your market. But there are markets, ie locations, geographies that have even a higher affordability gap. You know, some markets have a 2000 a month or a $2,500 a month affordability gap. So you're going to find more and more people renting in these markets.   Keith Weinhold  19:37   Yes, there is a premium to ownership opening up that gap, and that's why we have this wave of renters that's really already begun. In about the last year, the American homeownership rate has fallen from 66% to 65% 1% doesn't sound like much, but that already means that we have 1.3 million new renters. We're going to talk to Brad some more, including about. His apartment market forecast you're listening to get rich education. Our guest is apartment King. Brad sumrock, more when we come back, I'm your host. Keith Weinhold,    Keith Weinhold  20:09   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/gre,   Keith Weinhold  20:45   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom. Coach, directly. Again. 1-937-795-8989,   Hal Elrod  21:58   this is Hal Elrod, author of The Miracle Morning, and listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:13   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking about a sector we have not talked about very much lately because it's been in rather moribund condition, but we are beginning to turn the corner where there are more opportunities in apartment building investing, because it's been beaten down an awful lot. And Brad, that plays right in to your apartment forecast. So tell us about some of the highlights of your apartment forecast.   Brad Sumrok  22:38   Yeah, sure. And one of the things that I want to share with you, Keith, is that, you know, back in the peak of the market, the market peaked, say, at the end of 21 early 22 there were so many investors that were in multifamily or that wanted to be in multifamily. And the other thing that caused this so called, you know, downturn that I didn't mention before is, let's take this $10 million deal. If a property was listed at $10 million you'd literally have 30 to 40 buyer groups pursuing that deal, bidding up the price. Yeah. And so a $10 million Listing would sell for 11 and a half million Okay, now what I'm seeing is that same $10 million deal might sell for a seven to 8 million and you might be the only buyer going after the deal. Wow. And how do I know? Because you said, like, I run a an investor community and and I have active multifamily buyers, and I coach them, and I look at their deals, and this is what's happening. And the other reason I know is I sold two of my deals personally in 2025 and both of the deals that I sold, I bought in 2015 where we had 10 year fixed rate debt. So we didn't sell because we had a three year loan. We needed to sell because we had a 10 year loan due. And look, first thing I'll say is I made money, because over that 10 year period, values did go up. They peaked in 2022 and they came back down that because I bought it so long ago. That's the one lesson that I think people also want to understand, is over the long term, the values always tend to go up, but there are short term ups and downs that one would need to be aware of. But when I sold these two deals like I didn't have many buyers one deal in particular. I mean, I had eight buyers going after the deal, but only one was anywhere close to what I wanted. So I was negotiating with myself, you know, telling the buyer and his broker, hey, you know the other guys are here, and you got to come up on price and you got to come up on terms. But truthfully, I was bluffing, because I didn't have anybody that was coming up on price or coming up on terms. And so part of why I'm answering this way is when you look at the forecast, one thing that that I want people to know is that those. Of us that are in the business now and that have our pencils up, and we're underwriting deals, and we're making offers, like I used to teach Keith, don't make lowball offers, because you'll develop a reputation of being that guy or that borrower or that buyer that submits lowball offers, right? And word will get around in that market? Well, right now, like low ball offers are expected, and I would encourage people, let's just say you make an offer that whatever the deal pencils out to. So if you know how to underwrite deals correctly, and they're offering 10 million as a listing price, and you're coming up at seven or 7.5 don't be bashful to make the offer, and you may be the only buyer in the game. So that's one thing is like the competition that I'm seeing right now on the buyer side is not a lot of competition, and that's definitely shifted to a buyer's market. So people need to know that. The other thing I would say, on the macro level, is there's still a lot of uncertainty out there, and the uncertainty is kind of becoming like what I would call a new normal. You know? I'll speak for myself. When Trump was elected and at the end of 2024 I thought it was going to be amazingly well for all of us real estate investors, right? And there are some things that have been like the big, beautiful bill that restores 100% bonus depreciation like this is a really good thing, but you know, the tariffs, the immigration policies, some of the things that he's doing, you know, they have mixed impact for us and our in the economy and in real estate and in multifamily. And the thing is, when he first started doing that again, like lenders, they didn't know how to price debt, like, what's going to happen with tariffs, what's going to happen with ice what's going to happen with immigration, you know? But now that we're a year in to his second term, I can tell you a couple things. Debt is back. Lenders are lending. They're confident. Lenders are issuing debt like you can get 70 to 75% of your acquisition funded by a commercial lender. The government agencies are lending. Freddie Mac is lending. Fannie Mae is lending, and they have a mandate to lend 20% more money in 2026 than they did in 2025 so that bodes well for people that want to get, you know, affordable workforce housing, which is my specialty, also known as Class B and Class C housing. So the lenders are lending like, there's a lot of debt out there. One of the challenges is the equity. There's a lot of institutional equity. But if you're going to the retail investor who got into the business three to five years ago. They don't want to hear about your next deal right now, they're wondering about, hey, what about the deals that I'm in? Right? So one of the things that I'm doing, Keith is, and I think, you know, this is like, you know, I build up a huge investor community from 2012 to 2022 and I did it by traveling the country, speaking at conferences, sponsoring trade shows, talking about the benefits of investing in apartment buildings, how it changed my life, how it enabled me to retire from a six figure income in just three years, and how I've helped many, many other people Do the same, and also just sharing experience today, every asset class, every 10 to 15 years is going to go through a correction. And so where we're at now. And I wasn't the only one on the forecast. I brought in John Chang who is the senior intelligence officer at Marcus and millichep, one of the biggest commercial real estate firms in the country, and he presented about 20 or 30 slides that by and large were very bullish on where we're at in the market cycle. Why now is a great time to be looking at apartment buildings, a lot of the same things that I've been talking about. Prices are down. It's a buyer's market. We have a huge affordability issue. More and more people are becoming renters, and so what I'm committed to do, Keith and I don't know if I shared with you my travel schedule, like when we met each other last month, but I'm on the road every single week going to another city, talking about where I see us right now in the market, and why people should be looking at deals and making offers right now. Because to me, you know, Warren Buffett said it best. He's like, you want to be fearful when everybody else is being greedy, and you want to be greedy when everybody's being fearful. And right now, people are on the sidelines. They're waiting for some green light, like for the Wall Street Journal to come out and say, Hey, now's a good time, you know? I mean, look, Trump, just the point of the new Fed chair, right? And so we know interest rates are going to go down like that's one of his goals, and the guy that he appointed is going to lower rates. So we're looking at a future, a very near future, where we have lower rates, and lower rates is going to create more demand, again, for people that want to buy. I invest in apartments now, look, if you wait another year, I still think it's going to be a good time, but I think we have a better time right now.   Keith Weinhold  30:10   I sold one apartment building in 2022 for about $1 million and I sold another one of my apartment buildings in 2023 for about $1 million I had bought those in 2013 with 10 year balloon loans, so I was enjoying that nice fixed rate as late and as long as I could, until 2022, nine years and 2023, 10 years before the rate went up on me. But of course, my new buyer had to pay that rate, so it limited the amount that they could offer for it. However, to your point about investing for a long time horizon, I still had profits on those nine and 10 year holds, but yeah, to your point, Brad about the looser lending, this is huge. I read a summary of the latest national Multifamily Housing Council meeting, and one of the biggest takeaways that came out of that meeting is that there is abundant debt available. It's in increasingly attractive terms. And a lot of people think about mortgages, and they just think about the rates, and you should that's certainly important, but they don't think as much about the propensity for others to lend. How loose, or how tight are those standards? They're loose, yeah.   Brad Sumrok  31:25   And, I mean, look, the first deal I did in 2002 the interest rate was 6.35% the rates right now are less than that, you know, as of the date of this recording. So, you know, I always talk about a base case of a $10 million deal. It may seem large to you or to people listening, but like in my world of syndication, where we're not just looking at the real estate piece, but learning how to raise money to buy real estate so we could have a bigger property that's professionally managed and become a true business owner like Robert Kiyosaki talks about, do you want to be self employed? I tell my students, buy a six Plex. Do you want to own an apartment business by 60 units and hire a management company? So when I'm talking about this $10 million deal, you know, you can get a $7 million loan right now for probably in the mid 5% and it would be non recourse, and you could probably get three years of interest only, meaning for the first three years, you're going to have a higher cash flow. So like, this is a really good loan compared to 2021 when we could get 3% debt. It's not but remember that 3% loan was a short term loan. You know, it wasn't a 10 year fixed rate loan, it was a short term loan, and we all saw what happened with that when they raised rates so many times in such a short period. So the fixed rate debt is very competitive based on, like, the long term, 20 year average, and it's lower than it was when I started.   Keith Weinhold  32:55   Well, we've been talking about elements of your apartment market forecast, and of course, that's going to inform your Buy Box. Brad, you mentor students constantly and oftentimes we think about a Buy Box. We think about then in terms of geographic market, but as we look for an opportunity, we also might think about some other things in your Buy Box, for example, new build versus vintage build. So with all of this traveling you do, and you're in the markets, and you're informing students, and you're looking at students prospective deals as well. But tell us more about what a good buy box is for the near term in apartment buildings.   Brad Sumrok  33:36   Yeah. So look like what is in the buy box, right? So one is going to be your location. And so, you know, how do I select a good location? Just some tips and strategies around that is, I look for landlord and business friendly environments. In other words, if the tenant doesn't pay, do they get to stay or not, you know, so I like to be in market so that they don't pay, that we could legally, you know, not have them consume our product for a long period of time. So I also look at things like job growth and population growth, affordability gap. New supply is a percentage of inventory, you know, the new supply coming online in a diversified economy. So, like, you want to get your geographies nailed down. Like, where you buy matters, like, there's no substitute to I would rather pay more for a property in a location that meets that criteria than less for a property that doesn't. Yeah. So geography is important. You want to pick your property size, like, how many units, or what's the price point. Okay? And this is huge, because if you're gonna buy your own deal with your own money, which is another reason I prefer syndication. Let's say you have pick a number, 100,000 to invest. Like you can only buy a $300,000 property, two units somewhere, three units somewhere, you know. Or zero units somewhere, right, right? So if you have expanded your you know, your mind and your skill set to do a syndication 100,000 doesn't limit you to your own money, you know. And then I would say, Well, what is a great size for a first time syndicator is I would target somewhere around 60 to 80 units, and at 100,000 a unit, which is a ballpark price for maybe a nice B class property or high C Class property, and a market that meets the criteria that I outlined earlier. You know, you're looking at, say, a six to $8 million property. And so what you could do from there, Keith is, you could say, Okay, well, you know, this is why, like in my educational course, I use a $10 million property, because the numbers are easy. But even just say, Well, I'm going to do an $8 million property, you'd say, Okay, I need two to 3 million down, depending on the debt, right? And then I'm going to get a the balance in a loan, you know, because you could get a 70 to 75% loan. So then you ask, Well, where am I going to get to 2 million, right? If I have 100 I need $1.9 million and so then you got to start thinking about like, do I have access to people or work or in the neighborhood or at the community or at the church, you know, or do I go to masterminds and conferences and meetup groups like, where I saw you Keith last month, like, there's a lot of investors there with a lot of money, right? And some of them are looking to be passive investors. And so, you know, there's a whole nother conversation around, you know, raising capital. And if you can't raise capital, then you may want to bring in some people on your GP team that could help you raise capital, as long as you're following, like the SEC compliance and again, that's another discussion. That's the importance of having the buy box so you have your geography, your property size, your property class. You know, again, if you just want the new construction stuff. There's some people out there, like big name, famous people, that are highlighting their 800 unit a class deals that they're buying. And of course, like you or I that are just getting started, can't go buy that deal. And so why? You know the institutions are going after the large A class properties in the best areas. And so where I've made my niche Keith, and what I would recommend most people start is start with the older vintage properties, start with the 1970s properties, and then maybe work your way up to the 1980s and 1990s properties. And why is this is because the institutions don't want those properties, and they're still able to be professionally managed. Like, if you go and buy 100 unit C Class property, as long as it's not in a bad neighborhood with, like, high crime or whatever like that. Like, these are very honest, hard working, working class people that need a clean, safe and functional place to live, and you'll be able to get better returns on a C or A B class, also known as like the cap rate. And again, that's another discussion, but you'll be able to get a better return on an older vintage property than you would on a vintage property. And you're not competing with the institutions, but you're also not competing with the mom and pops, because the mom and pops are going to take that 100,000 they have and go buy a duplex. You know, they're not going to want to syndicate a deal. They're not going to want to have partners. They're not going to want to deal with the so called complexities of buying a company. And that's what buying an apartment community is, Keith, it's buying a company. You're buying a business that has an income stream already being generated those customers, they're called residents. They're called tenants, you know, but if you just go upstream from buying real estate or buying an apartment building, we're buying a cash flow producing business that's existing, that's in place, and then our job is to figure out how to run it better and more efficiently. You the   Keith Weinhold  39:04   You the listener, you might have access to, say, 500k in equity that's sitting in your existing properties. And some of these numbers that Brad and I are throwing around are rather large, $10 billion but one of the biggest epiphanies that I think your students have is that doesn't need to be much of your own money. We're talking about what's called the capital stack to take down a $10 million apartment building. Maybe you borrow seven and a half million of that. Maybe you raise 2 million of that from your other investors in the syndication, and then you put your 500k into the deal, and there you have $10 million in order to make that purchase. But yes, that does involve a learning curve and the SEC rules and all that. But the big takeaway here is you don't need much of your own money. You can leverage other people's money, even for the down payment. And Brad, you're also an expert at showing people how to pay almost. Zero tax, which is another discussion unto itself, but some of your students start with zero experience, and within a few short years, I mean, you've had hundreds of people that have either retired early or increased their net worth by over a million dollars. A lot of success stories,   Brad Sumrok  40:17   yeah, look, I mean, I started with no previous real estate investing experience. My experience was going to college, studying hard, getting decent grades, becoming an engineer, you know, being fired once, being laid off once, and reading Robert Kiyosaki books that motivated me to to go out and seek specialized education. And I think it was Jim Rohn that said formal education, like degree could get you a job, and specialized education like you can get in a conference or a mastermind or a mentorship program. And that's also how I started. I went to a weekend workshop back in 2001 and I bought the mentorship program. And boy, I'm glad I did, because, you know, that's how I got into my first 62 units. So you don't need to have experience. What you need to have is a powerful reason, a powerful why? Why do I want to be financially free? Like apartments is just a vehicle. I didn't choose apartments because I love departments. I choose departments because they cash flow, they go up in value, and you have amazing depreciation benefits.   Keith Weinhold  41:23   Yeah, I'm the same. I don't love apartments in a way. I don't love real estate. I love what these things do for me    Brad Sumrok  41:30   exactly. Yeah? So, like, you don't have to have experience. In the other category, of people that have come into my community that don't have apartment experience, a lot of them have real estate experience, Keith, that are doing, like, single family homes, short term rentals, or maybe smaller, multi unit deals. And they listen to a show like this, and they're like, huh, I want to transition from doing these smaller types of assets with my own money and self managing to scaling into a syndication.   Keith Weinhold  42:03   Brad has taken countless people from get rich education to got rich education. His core values are faith, finance, fitness, family and fulfillment. He is committed to helping people experience not just financial success, but personal fulfillment, purpose, contribution, freedom and Brad and his investor community have contributed over $1 million to charity. Is really the person you want to learn from if you want to think about going bigger with multifamily apartment buildings. This has been great, Brad. Let our audience know how they can connect with you and learn more?   Brad Sumrok  42:42   Yeah, sure. So I would say this is where I should just be very clear here, okay, but I'm gonna give a couple options, because that's what I'm so of course, there's a website which is my first and last name.com, B, R, A, D, S, U, M, R, O, k, for those of you on social media, I respond to my own social so you'll find me again. B, R, A, D, S, U, M, R, O, K, on LinkedIn, Instagram and Facebook.   Keith Weinhold  43:13   Brad, it's been so valuable. It seems like American apartment buildings are in for redemption story here. It's been great having you back on the show.   Keith Weinhold  43:29   Brad and I both emphasize physical fitness, and we chatted about that a good bit when we were together last month. I think he looks better than me. To summarize, the reasons for this historic collapse in apartment building values. It was the combination of soaring interest rates, massive inflation, spiking insurance costs, construction soared, and it created an oversupply, and that oversupply still is not absorbed. In fact, according to the outlet apartment list, the National multifamily vacancy rate recently hit 7.2% that's the highest in the history of the index, which dates back to 2017 and that's chiefly due to apartment oversupply. Have apartments really hit the bottom? Brad just said, we're at or near the bottom, and it's a good time to be gearing up as far as what's coming. To give you an idea of new apartment supply, what takes about two years from construction start to completion. And now you can't just have all US apartment construction come to a complete stop. You have to keep people working. And there are almost 400 MSAs in the United States, so you couldn't coordinate a complete ceasing of construction across every area. So how about the level of new construction starts in apartment units today, and the way that HUD counts it is the number of units started in buildings of five plus units the recent peak. Was about 600,000 annually in 2023 and today it's closer to 400,000 there it is that slowing pace of new apartment construction. If you jump into multifam, be careful of properties with deferred maintenance, because understand that you have a lot of underfunded owners Now Brad can tell you specifically what to look out for his rat race to retirement event is March 28 and 29th in Dallas. It's a two day hands on workshop. You'll learn how to find apartment deals, how to underwrite deals, how to raise capital management and your exit. Discover how you can retire in five years or less by owning apartments again. His website is Brad sumrock.com    Keith Weinhold  45:49   coming up on future episodes here on the get rich education podcast. We're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished experts, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy of the 50 US states. I'm going to discuss some awful states to invest in, including ones with population loss. On another episode, a distinguished subject matter expert and I are going to dive deep on does America really have a housing shortage, not in apartments which are oversupplied, but is there a shortage in the one to four unit space? That's our topic, because you probably heard contradictory information in the media about whether there's a shortage or not, and then some outlets say there's a housing shortage of 2 million units. Others, 10 million. They're all over the place. We're going to sort it out on an upcoming episode. Does America really have a housing shortage? Then the youngest guest to ever appear on the show will be with us. He's a 19 year old college student that has a real estate investing related major, and since last year, he and I have befriended each other. He was born in about 2006 so it'll be interesting to see how he views the investing world and what they teach him about real estate investing in college today, he is probably the most impressive teenager that I've ever met in my life. Then six weeks from now, we will have an epic get rich education podcast episode 600 on a subject as paradoxical and complete with a GRE contrarianism That builds real wealth, debt is the American dream will be episode 600 if you're serious about building wealth, be sure to follow or subscribe to the show. We are going on a run. If you know someone in your life who needs to think differently. If you know one investor who's still waiting for perfect conditions. This will help them tap the Share button and tell them about the show until next week. I'm your host. Keith Weinhold, don't quit your daydream.   Unknown Speaker  48:14   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  48:42   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Advertising SponsorThis episode is brought to you by Arkena Coffee Marketplace, connecting you to the next coffee harvest in Ethiopia through direct trade.https://arkenacoffee.com/https://www.instagram.com/arkenacoffee/Email: hello@arkenacoffee.comEpisode DescriptionThis is Part 1 of a five-part series, The Reality of Being a Smallholder Coffee Farmer in Volatility, with Ana Donneys from Cafe Primitivo.In this opening conversation, we unpack what volatility truly means for smallholder producers.Volatility is often discussed in relation to the C market, futures prices, or export trends. For smallholder farmers, however, volatility is lived through yield loss caused by climate shifts, rising fertiliser and labour costs, unpredictable exchange rate movements, and limited access to financial risk management tools.Ana shares a real example of signing a direct trade contract at what appeared to be a strong exchange rate, only to experience a significant drop in yield and a peso devaluation that altered her cost structure dramatically.When production volume drops, cost per pound increases immediately. When currency shifts, the value of revenue changes in local terms. When labour and inputs rise, margins tighten further. In this context, high global coffee prices do not automatically translate into stability or profitability.The conversation also addresses the structural gap between corporate farms, which may have access to hedging instruments or financial advisors, and smallholder producers who cannot afford the capital required to participate in those tools.This episode reframes “high prices” by grounding them in the layered financial realities of farm-level economics.Guest linksInstagram: https://www.instagram.com/cafeprimitivo/ Website: https://www.cafeprimitivocolombia.com/ LinkedIn: https://www.linkedin.com/in/anadonneys/ ***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org

Stephen Grootes speaks to Simon Baloyi, CEO of Sasol about the group’s half-year results as it navigates weaker oil and chemicals prices. While earnings declined and impairments weighed on profit, production at Secunda rose 10% and cost discipline supported positive free cash flow for the first time in four years. In other interviews, Gerhard van der Merwe, consumer law attorney at Trudie Broekmann Attorneys talks about a landmark High Court case challenging banks’ long-standing use of sales in execution. Lawyer Douglas Shaw is seeking to certify a class action, alleging that homes in arrears were sold for amounts just sufficient to settle outstanding debt, potentially below market value. Major banks deny wrongdoing, saying repossessions are a legal last resort, and are opposing both the certification and Shaw’s conduct. The case could have significant implications for foreclosure law and consumer rights in South Africa. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 See omnystudio.com/listener for privacy information.

​​Join our champion program: mark@themomentumcompany.comAttend a Thriving Leader event: https://thriving-leader-2026.lovable.app/Instagram: @the.momentum.companyLinkedIn: /momentum-companyIn this episode of The Intentional Agribusiness Leader, Mark sits down with Corey Rosenbusch, CEO of The Fertilizer Institute, to unpack what's really happening in Washington — and why it directly impacts growers, retailers, and agribusiness leaders across the country.Corey shares how fertilizer has been elevated to a global stage over the past year. From tariffs on Canadian potash to sanctions on Belarus and global urea disruptions, fertilizer now sits at the center of food security, national security, and geopolitical negotiations.One key reminder: fertilizer is a global commodity. Prices are driven by worldwide supply and demand — not local preference. When China limits phosphate exports or global supply tightens, U.S. growers feel it immediately.Corey also gives a behind-the-scenes look at what trade associations actually do. From securing critical tariff exemptions during planting season to preventing bio-stimulants from being regulated like pesticides, the work happening in D.C. often determines whether products move efficiently — or get buried in red tape.Another major focus is nutrient stewardship. The 4R framework — right source, right rate, right time, right place — becomes even more critical in tight-margin seasons. Efficiency isn't optional; it's essential.Beyond policy, Corey talks about leadership. When he stepped into TFI six years ago, he asked his team to define their culture — and got 25 different answers. That sparked a deliberate effort to define core values, behaviors, and weekly culture reinforcement. For Corey, intentional leadership starts with clarity.This episode is a reminder that what feels like “noise” in Washington often has very real implications at the farm gate.Listen if you are:Navigating tough fertilizer pricing conversationsLeading in a volatile policy environmentCurious how global supply chains impact local decisionsInterested in culture-building inside mission-driven organizations

World Agricultural Outlook Board Chair Mark Jekanowski explains how high steer prices in USDA's February meat outlook are influencing hog price forecasts for this month. USDA Radio NewslineSee omnystudio.com/listener for privacy information.

Advertising SponsorThis episode is brought to you by Arkena Coffee Marketplace, connecting you to the next coffee harvest in Ethiopia through direct trade.https://arkenacoffee.com/https://www.instagram.com/arkenacoffee/Email: hello@arkenacoffee.comEpisode DescriptionThis is Part 1 of a five-part series, The Reality of Being a Smallholder Coffee Farmer in Volatility, with Ana Donneys from Cafe Primitivo.In this opening conversation, we unpack what volatility truly means for smallholder producers.Volatility is often discussed in relation to the C market, futures prices, or export trends. For smallholder farmers, however, volatility is lived through yield loss caused by climate shifts, rising fertiliser and labour costs, unpredictable exchange rate movements, and limited access to financial risk management tools.Ana shares a real example of signing a direct trade contract at what appeared to be a strong exchange rate, only to experience a significant drop in yield and a peso devaluation that altered her cost structure dramatically.When production volume drops, cost per pound increases immediately. When currency shifts, the value of revenue changes in local terms. When labour and inputs rise, margins tighten further. In this context, high global coffee prices do not automatically translate into stability or profitability.The conversation also addresses the structural gap between corporate farms, which may have access to hedging instruments or financial advisors, and smallholder producers who cannot afford the capital required to participate in those tools.This episode reframes “high prices” by grounding them in the layered financial realities of farm-level economics.Guest linksInstagram: https://www.instagram.com/cafeprimitivo/ Website: https://www.cafeprimitivocolombia.com/ LinkedIn: https://www.linkedin.com/in/anadonneys/ ***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org

Oil reached a fresh yearly high as US-Iran tensions intensified, with Washington boosting military presence while leaving room for negotiations. Markets rallied after Trump suggested a 10–15 day window for a deal, though speculative positioning remains measured, with strong demand for high-strike call options signaling limited expectations of a major price surge. Meanwhile, European energy markets have also strengthened, with Summer 2026 gas and baseload power prices rising, partly driven by movements in emissions allowances. Please note: this podcast is provided for information purposes only and should not be construed as an offer, or a solicitation of an offer, to buy or sell financial instruments. This podcast does not constitute a personal recommendation and is not investment advice. Investec

Sellers accidentally commoditize themselves by leading with features, workflows, and “what the product does.” When you sound like a tool, you get compared like a tool — and compared tools compete on price. In this episode, Brandon explains why rich buyers don't buy features — they buy relief, risk reduction, and revenue impact. You'll learn how to shift your messaging from feature language to outcome language, how to quantify value and ROI so price feels smaller than the upside, and how to stop battling competitors by competing against the cost of inaction instead. If you want to charge more, close bigger deals, and protect your margin, this episode gives you the playbook: upgrade the problem you solve — and your pricing power follows.

Frankie Stockes fills in for Stew Peters to cover the latest on the pending war with Iran, the Epstein File cover-up, FAKE alien hysteria, and the ongoing GENOCIDE of the American People Take a sneak peek at the TZLA event with Jeff Berwick and hear from the life-changing testimonies of users. This is what they stole from Nikola Tesla. This is the cure they suppress.

Frankie Stockes fills in for Stew Peters covering the latest updates from the Middle East, as the United States prepares to fight another war for Israel. Meanwhile, in the United States, government officials and propagandists are trying to shift the narrative away from the Epstein Files.

Adam, Phil, and Nicholas chat about all the big wrestling talking points this week...Could Bad Bunny return to WWE?WWE's mystery crate!Will WWE ever drop their prices?WhatCultureMania rumours!AEW sign The IInspiration?!We answer all these questions and more, and there's a bloody good quiz all about wrestling Mysterios!Follow us on Twitter:@AdamWilbourn@PhilMyChambers@ItsAdamNicholas@WhatCultureWWEFor more awesome content, check out: whatculture.com/wwe Hosted on Acast. See acast.com/privacy for more information.

6. The Ethical Cost of Cobalt for Batteries The demand for cobalt in EVs and phones drives prices up while highlighting ethical issues in the Congo. Guest: Simon Constable1898 DEWEY

5. Severe Flooding in France and Commodity Shifts Severe storms inundate France while gold and silver prices fluctuate due to shifting global economic policies. Guest: Simon Constable1888 NAVAL GUN

Dan Dicks just obliterated the veil on this show—Canada's forcing SOGI gender perversion on kindergarten babies, mutilating confused kids through affirmation mills, then herding the broken straight into MAiD government-assisted suicide with over 100,000 already executed since 2016 in this demonic harvest.  

99 % of Christian autism moms miss these 3 hidden reasons why your child's symptoms like anger, meltdowns, rigidity, sleeplessness, and nonverbal autism PERSIST.TODAY ON THE PODCAST I'LL REVEAL:

This interview is disseminated on behalf of GoldStockData.com. Precious metal markets have seen extraordinary volatility in recent weeks. Amid this pivotal moment for precious metals and the broader markets, how should investors interpret these moves? Don Durrett, gold and silver mining stock analyst at goldstockdata.com, shares his expert insights.He explains how recent volatility in gold and silver prices is indicative of an endgame scenario for the broader economy, while also highlighting the impact of the rise and fall of the S&P 500 on precious metals price trends.Check out: https://www.goldstockdata.comWatch the full YouTube interview here: https://youtu.be/6nEpHi_4eqIAnd follow us to stay updated: https://www.youtube.com/GlobalOneMedia

Welcome to Omni Talk's Retail Daily Minute, sponsored by Grocery Dealz and Mirakl.In today's Retail Daily Minute, Omni Talk's Chris Walton discusses:Walmart's grocery penetration hits a record-breaking 72%, as Dunnhumby data reveals mass retailers have now matched traditional supermarket reach for the first time ever.The pricing truce is over, as companies from Levi Strauss to McCormick to Columbia Sportswear roll out new high-single-digit price increases driven by tariffs, rising wages, and surging health insurance costs.Burger King president Tom Curtis takes the customer feedback playbook to a new level, personally fielding unfiltered calls and texts from guests for four hours a day over two weeks.The Retail Daily Minute has been rocketing up the Feedspot charts, so stay informed with Omni Talk's Retail Daily Minute, your source for the latest and most important retail insights.Be careful out there!

The U.S. housing market continues to show signs of strain. New data from the National Association of Realtors show existing-home sales fell 8.4% in January 2026 compared with December, and declined 4.4% from a year earlier. Meanwhile, home prices remain elevated, with the median price rising 0.6% from January 2025. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Gold is reclaiming its spotlight. Prices have leapt sharply, and demand is spilling beyond financial instruments into tangible bullion. Global politics, currency swings, and market volatility are colliding in a mix that feels both chaotic and strangely familiar. Amid the relentless news cycle, distinct patterns are emerging: a revived fascination with gold, growing doubts over the US dollar's dominance, and a long‑anticipated revival in non‑US markets.     In this episode of Expat Wealth, Richard Taylor – dual UK/US citizen, Chartered Financial Planner, and experienced International Wealth Advisor – is joined by Brian Dunhill – founder of Dunhill Financial – to discuss the new phase in the global economy: the American dollar's dominance being gently eroded, non‑US markets are finally having their moment, AI is changing workflows more than it's destroying jobs (so far), and for expats and cross‑border families, thoughtful Cross-Border Financial Planning is more important than ever.     In this episode, Richard and Brian take a detailed look at:     Why gold and silver have surged, and why they should be seen as trades rather than long‑term investments.     The political devaluation of the US dollar, what a weaker dollar means, and how expats should think about currency risk.     The gradual decoupling from the US dollar as the world's reserve currency, and how China and others are positioning themselves.     The outperformance of International Wealth and emerging markets vs the US, and why Brian thinks this is part of a bigger structural shift, not a flash in the pan.     The AI investment boom, the “magnificent seven,” and whether large language models are truly transformative or just efficiency tools.     --    Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.    https://planfirstwealth.com/    --    Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.      Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

Gareth Icke rips into the Epstein files leak as elite mockery—Jewish-linked globalists parading taped child rape, torture, cannibalism, sacrifices, and transhuman experiments, daring us to either submit or end them for defiling our children.   BitChute's Ray Vahey details dodging Jewish-led globalist assaults—debanked in Europe, slammed by regimes, NGOs, and blacklists—delivering censorship-free video since 2017 with spy-free ops, honest trending, auto-monetization for creators, and a $10K shadowban bounty untouched.

This household name could surge 50% this year. Plus, why software stocks are getting rerated… Bullish moves from ServiceNow (NOW) insiders… Key takeaways from the Trumps' World Liberty Forum… And 13Fs from Buffett, Tepper & Druckenmiller. In this episode: The Olympic curling cheating scandal [1:46] This megacap stock could surge 50% this year [7:41] The Palo Alto Networks CEO is dead wrong on AI [14:53] Why software stocks are getting rerated [17:35] The latest moves from ServiceNow insiders are great for the stock [27:01] Key takeaways from the Trumps' World Liberty Forum [36:35] 13F moves that caught our eye: Buffett, Tepper & Druckenmiller [47:24] One of the best private placement opportunities of my career [58:01] Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

Stephen Grootes speaks to Dr. Frikkie Maré, the CEO of the National Red Meat Producers’ Organisation (RPO) about the mounting pressures on South African meat prices, with the latest CPI data revealing that meat prices continue to surge, and the category’s annual inflation accelerated to 13.5%, marking some of the highest increases in the CPI basket. In other interviews, Jack Devnarain, Chairperson of the SA Guild of Actors talks about the growing concerns over mismanagement of film funding and the call from MPs for a thorough investigation. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 See omnystudio.com/listener for privacy information.

Australia's competition watchdog is suing supermarket chain Coles in the Federal Court. The ACCC alleges Coles deceived shoppers about discounts on a range of goods. It's a case that could have wide-ranging implications for consumer law. - スーパーマーケット大手のCOLESが、消費者を欺いたとしてACCC（豪州競争・消費者委員会）により提訴されました。

California drivers are feeling the squeeze as gas prices surge nearly 40 cents in just two weeks, driven by major refinery closures that are tightening the state’s already limited fuel supply. With the statewide average now hovering around $4.58 per gallon, Californians are paying far more than the national average of about $2.92. The wind‑down of Valero’s Benicia refinery and the closure of Phillips 66’s Los Angeles facility have left the state with only six operating refineries, amplifying volatility and pushing prices sharply upward. Also, Karoline Leavitt talks gas prices during the White House press briefing. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | InstagramSee omnystudio.com/listener for privacy information.

Merryn Somerset Webb and John Stepek are joined by Bloomberg’s Jack Sidders to break down how Real Estate Investment Trusts (REITs) work and why they’ve struggled in recent years. They explore the impact of interest rates, the significance of different sectors such as warehouses, student housing and data centers, and why many UK REITs trade at steep discounts. With interest rates potentially falling and supply constrained, they also discuss whether REITs could be poised for a comeback — and where investors might start. Sign up to the subscriber event here: https://www.bloombergevents.com/ZZ3kna?utm_source=Podcast&utm_campaign=Podcast&utm_medium=Podcast&RefId=subSee omnystudio.com/listener for privacy information.

A.M. Edition for Feb. 17. A growing shortage of memory chips is squeezing the makers of phones, laptops and games consoles, sending prices skyrocketing. WSJ's Tim Martin explains how non-AI buyers are having to choose between raising prices, trimming margins or reducing device memory. Plus, the U.S. government is emerging from the holiday weekend partially shut down. And we look at why this winter is worse and weirder than usual. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jake GTV joins Stew Peters live from Puerto Vallarta at Anarchapulco ripping open the Epstein files that nail Bill Gates in direct collusion with Jeffrey Epstein—the pedo financier who bankrolled the entire COVID bioweapon operation—complete with pre-planned depopulation, white fibrous clots yanked from corpses, and skyrocketing deaths that prove this was mass murder, not a pandemic. Max Igan live from Anarchapulco Genesis in Puerto Vallarta dropping hard truth: Trump was Epstein's best buddy sharing the Talmudic, Star of Moloch child-sacrifice fetish of the elite Jewish network running blackmail-free pedo rings, while Rothschild central banks control compliant governments and depopulate the world through wars for Greater Israel.

Taylor Riggs, Co-anchor "The Big Money Show" on the Fox Business Network, joined us on the Guy Benson Show today to discuss the latest on the economy and the economic outlook of the United States amongst reports that companies may begin to start raising prices across the board to deal with inflation and tariffs. These fears contrast with unexpectedly strong jobs numbers and a cool inflation report, and Riggs breaks down why there is or is not concern in the market. Riggs and Benson also discussed the growing national debt and deficit and whether the growing debt will come to a head, and you can listen to the full interview below. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Why You Should ListenWhat “closing time” really means — and why restaurants, and their staff, should honor what they promiseAn inside peak at Valentine's Day operations, ticket flow, and why larger tables can ease pressure on the kitchenThe Guys react to mass spectrometry and a look at tequila additivesEgg price spikes, labeling myths, yolk color tricks, and a smart baking tip when extra-large eggs cost lessThe BanterMark Pascal and Francis Schott kick things off with post–Valentine's Day reflections and the realities of running a dining room during peak nights. The Guys pull back the curtain on expediting, ticket management, and the small operational decisions diners rarely see. They share how shifting celebrations beyond February 14th can ease pressure on both restaurants and relationships.The ConversationThe Guys dive into a wide-ranging Inside Track discussion sparked by the @MassSpecEverything channel, exploring mass spectrometry and spirits—from alleged additives in tequila to why common hand-rub tests don't reveal everything. The talk moves to Coca-Cola lore, including what *really makes Mexican Coke special.Eggs take center stage as they unpack price spikes linked to bird flu, pasture-raised labeling, feed-driven nutritional differences, and how yolk color can be manipulated. They share a practical tip for bakers: extra-large eggs sometimes cost less than large, but be sure to adjust your recipe!Finally, Mark and Francis debate what a restaurant's posted closing time should actually mean and that clear communication and consistent standards define the guest experience long after the meal ends.Time Stamps0:00 – The Banter: Valentine's Day Reflections6:03 – Tequila Meets the Mass Spectrometer9:53 – Coca-Cola: Regional Differences & Taste Myths12:50 – Eggs: Scandal, Prices, Labels & Bargains23:06 – What “Closing Time” Means to the Restaurant28:02 – What “Closing Time” Means to the DinerInfoMass Spec Everythinghttps://linktr.ee/mymassspecworldYou Don't Want Dessert, Do You?by Frank Lanzkron-TamarazoBecome a Restaurant Guys' Regular!https://www.buzzsprout.com/2401692/subscribeMagyar Bankhttps://www.magbank.com/Withum Accounting https://www.withum.com/restaurantOur Places Stage Left Steakhttps://www.stageleft.com/ Catherine Lombardi Restauranthttps://www.catherinelombardi.com/ Stage Left Wineshophttps://www.stageleftwineshop.com/ To hear more about food, wine and the finer things in life:https://www.instagram.com/restaurantguyspodcast/https://www.facebook.com/restaurantguysReach Out to The Guys!TheGuys@restaurantguyspodcast.com**Become a Restaurant Guys Regular and get two bonus episodes per month, bonus content and Regulars Only events.**Click Below!https://www.buzzsprout.com/2401692/subscribe

For the Good of the Public brings you news and weekly conversations at the intersection of faith and civic life. Monday through Thursday, The Morning Five starts your day off with scripture and prayer, as we also catch up on the news together. Throughout the year, we air limited series on Fridays to dive deeper into conversations with civic leaders, thinkers, and public servants reimagining public life for the good of the public. Today's host was Michael Wear, Founder, President and CEO of the Center for Christianity and Public Life.  Thanks for listening to The Morning Five! Please subscribe to and rate The Morning Five on your favorite podcast platform. Learn more about the work of the Center for Christianity and Public Life at www.ccpubliclife.org. Today's scripture: Matthew 6:1-6 (ESV) News sources:  https://www.wsj.com/business/price-increases-consumers-businesses-b70e4542?mod=hp_lead_pos1  https://www.nbcnews.com/politics/trump-administration/trump-fema-potomac-river-sewage-leak-response-rcna259271  https://www.politico.com/news/2026/02/16/trump-fema-coordinating-response-potomac-sewage-spill-00783327  https://www.nbcnews.com/sports/olympics/olympic-medal-count-2026-team-usa-gold-wins-rcna259061  https://www.senate.gov/artandhistory/history/resources/pdf/Washingtons_Farewell_Address.pdf  Join the conversation and follow us at: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@michaelwear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, @ccpubliclife Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MichaelRWear⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, @ccpubliclife and check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tsfnetwork⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Music by: King Sis #politics #faith #prayer #scripture #prices #inflation #Potomac #GeorgeWashington Learn more about your ad choices. Visit megaphone.fm/adchoices

Something shifted in January — and this January 2026 Denver real estate market update breaks down exactly what’s happening. Rents are resetting to 2018 levels. A third of all available apartments were built in the last decade. Colorado now ranks 5th nationally for outbound moves. 55% are leaving the state — the highest since 1990. Landlords across the Front Range are holding rents flat or cutting them just to keep units filled. But here’s what most people are missing — this same pressure is creating buying opportunities that haven’t existed in over a decade. Chris Lopez sits down with his monthly market panel. Troy Howell with Nova Home Loans, Jeff White with Envision Advisors, Jenny Bayless covering Colorado Springs, and Shawn Riley from KeyRenter Denver all join the conversation. The group digs into the numbers. They share what they’re seeing firsthand from their own portfolios, clients, and deal flow. Things get real when Chris reveals a fourplex across the street from his own just sold at his 2018 purchase price. That confirms what the data has been showing about multifamily. Then the panel unpacks a $30 million foreclosure on four central Denver apartment buildings. Zero bidders showed up at auction. Colorado residential land now averages $942,200 per acre — up 174% in a decade. That’s why starter homes have disappeared entirely. And Shawn Riley shares that rents on condos and townhomes are down 7-10%. Apartments are offering up to three months free rent, making it brutal for older inventory to compete. In This Episode We Cover: Colorado Springs hits 4.5 months supply — officially tipping into a buyer’s market while prices hold mostly steady Why Denver inventory is building 7-8% year over year and new construction spec homes still aren’t moving even with builder-subsidized 4% rates The rental market resetting to 2018 levels and why landlords are holding rents flat to avoid costly turnover Section 8 developments including Denver paying 120% of fair market rents but freezing new voucher issuance and rent increases Room by room rental demand softening — what co-living operators need to know heading into spring Why the panel says this is Colorado’s first real buyer’s market in a decade and the 1031 exchange strategy to capitalize on it The new Fed chair nomination and what rate improvements of 0.50-0.75% from last year mean for refinance opportunities If you’ve been waiting for a 2026 Denver real estate market update that actually tells you where the deals are, this is it. Whether you’re sitting on single family properties eyeing a move into multifamily, a landlord figuring out the right rent price, or an investor ready to pick up distressed deals at steep discounts, the panel breaks down exactly where things stand right now. Watch the YouTube Video https://youtu.be/LJq5IzPcPbM Timestamps 00:00 — Welcome & Guest Introductions  01:13 — Colorado Springs January Stats — New Listings Nearly Double  03:44— Denver Boots on the Ground — Relisting Surge & Condo Financing  05:39 — Denver Metro Trends — Inventory Building & Prices Flat  07:44 — Colorado Land Up 174% — Why Starter Homes Don’t Exist  09:40— Builders Sitting on Unsold Spec Homes  11:11— Colorado Ranks 5th for Outbound Moves  11:55— Rental Market Reset — Rents Feel Like 2018  15:45— Room by Room Rentals — Flat Rents & Co-Living Rebrand  21:58— Section 8 Voucher Changes & Denver Paying 120% of Fair Market Rents  27:51 — Multifamily at 2018 Prices & $30M Foreclosure With Zero Bidders  35:05 — Renting vs. Buying — Jenny’s Real Numbers Comparison  37:53 — Mortgage Rates & New Fed Chair Nomination 41:24— Buyer’s Market Playbook — Time for Disrespectful Offers Connect with our Guests Jeff White: jeff@envisionrea.com Troy Howell: troy.howell@novahomeloans.com LinkedIn: Troy Howell Website: https://www.novahomeloans.com/loan-officer/troy-howell/ Shawn Riley: shawn@keyrenterdenver.com Website: https://keyrenterdenver.com/ Jenny Bayless: Jenny@envisionrea.com Links in Podcast Apartment vacancy in metro Denver reaches highest rate in 16 years, pushing down rents again Realtors say it's still a buyer's market in Colorado, but high housing costs keep renters renting  Mortgage Calculator Lender forecloses on four central Denver apartment buildings Denver Multifamily Hits 2009 Cap Rates (8 Indicators We’re at the Bottom) Download the Free House Hacking Spreadsheet Subscribe to our Reactivated Deal Alert Emails Who is Keyrenter? Keyrenter Property Management Denver provides rental solutions for homeowners and real estate investors in the metro area who are interested in transforming their properties into passive income. It offers various services, from property marketing and thorough applicant screening to tenant placement and 24/7 maintenance services. Keyrenter Denver's team of experts can take the clients’ burden of managing their rental off their hands so they can get back to what matters to them. Who is Nova Home Loans? For over 40 years, we've been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today! NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO

The federal court battle between Coles and the ACCC has kicked off, with the defendant arguing that when it says "Prices are down," that's not to be taken literally. Charles and Dom explore what it means for "prices" to be "down", and how you can come away with some savings at the checkout.Install Price Check Guy's extension: https://linktr.ee/PriceCheckGuy---Listen AD FREE: https://thechaserreport.supercast.com/ Follow us on Instagram: @chaserwarSpam Dom's socials: @dom_knightSend Charles voicemails: @charlesfirthEmail us: podcast@chaser.com.auChaser CEO's Super-yacht upgrade Fund: https://chaser.com.au/support/ Send complaints to: mediawatch@abc.net.au Hosted on Acast. See acast.com/privacy for more information.

Roy Lee Lindsey, CEO of the North Carolina Pork Council, says producers lost more per head in ’23 than the previous record low in 1998, but they’ve turned the corner since then. NAFB News ServiceSee omnystudio.com/listener for privacy information.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Prices on electronics, appliances, and everyday goods are climbing again — but is it really inflation? Chris explains what's actually driving higher costs, from tariffs and labor expenses to healthcare and energy prices. He breaks down how businesses pass rising costs to consumers and why government policy, taxes, and regulation play a major role in what you pay.

EPISODE 349 - Clark and Hyung open the show by giving their two cents on PSA recently raising its prices (again) with slower turnaround times – with TCG bulk submissions the most impacted this time around. Is it a necessary business decision for PSA or is the hobby community justified in its anger?Next for Hobby Headlines, the guys take a deeper dive into the 2026 Topps Series 1 Baseball Set and go through what's new in the set this year (ie. a 1952 Topps Mickey Mantle redemption hit) and what they don't like (ie. the new Home Field Advantage design.)Then they play a fun round of Quiz Show before ending the episode with their regular weekly segment called "Pick 1."--------------------------CONNECT WITH US!Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@cardstothemoon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@fivecardguys⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Clark) | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@yntegritysportscards⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Hyung) | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@tradeyouatrecess⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (John)Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fivecardguys.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Daily Auctions (w/ affiliate links): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fivecardguys.com/dailyauctions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you have any questions about the hobby that you would like addressed, email us at hello@fivecardguys.com or DM us on Instagram at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@cardstothemoon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@fivecardguys⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

People have been lining up to buy and sell gold. The precious metal has been at record high prices and Nightlife is joined by a gold market expert about what's driving the price. 

In this episode of The Modern Hairstylist Podcast, host Hunter Donia and guest Jodie Brown break down what to do when you are fully booked, already priced high for your area, and still want to grow your income without adding more clients, more hours, or another big price jump. If you feel like you have hit a ceiling around that next revenue level, this episode gives you tangible ways to increase profit by working smarter inside the business you already have momentum in.Hunter shares the strategies he is actively using during Mastermind onboarding calls to make sure revenue goals are actually mathematically possible for stylists who are capped by time. You will learn how to expand revenue through aligned add-ons and retail, improve service efficiency and your “profit per hour,” explore assistants or double booking in a responsible way, and consider a next level path that turns excess demand into revenue through team based scaling.Key Takeaways:

Where do I start, people? Democrats are trombone players with a pager, waiting for a band to call. They have NO shot. Or two shots: slim and none.Trump is crushing these feckless clowns who keep screeching about Epstein files that keep outing them. How does it feel to kick your own ass, daily?The economy is booming.Inflation cooled in January, dropping price increases to their lowest level in nine months, new data from the Bureau of Labor Statistics showed. The lower-than-expected reading defied fears of a tariff-induced hike in overall costs.Prices rose 2.4% in January compared to a year earlier, according to the Consumer Price Index.Inflation stands at its lowest level since May, but it remains nearly a half-percentage point higher than the Fed's target rate of 2%.Affordability remains a concern for many Americans as the political calendar turns closer to election season.The data arrived days after fresh hiring figures showed stronger-than-expected job growth in January, even though an updated estimate released at the same time indicated a near-paralysis of the labor market last year.Almost every Democrat-controlled state is in the midst of massive fraud scandals. CA has been getting money from DEAD PEOPLE.No wonder the live ones are leaving.And in the battle of the governors, FL picked up a big win.What is the cost for CA in losing Zuckerberg. I know he is weird, but his money is green. I'm sure DeSantis welcomes one of the world's richest citizens to his state.https://www.foxbusiness.com/real-estate/mark-zuckerberg-becomes-latest-california-billionaire-relocate-florida-amid-tax-concernsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“When Raccoons, Rising Prices, and Olympic Surprises Collide” A title built to spark curiosity, emotional pull, and urgency — inviting listeners into an episode packed with humor, relatable frustrations, and unforgettable moments.

John Ray helps professionals who sell their expertise to price it for the value they truly deliver and win business without feeling salesy. He advises consultants, attorneys, coaches, fractional executives, and other solo or small-firm leaders on pricing strategy, value-based proposals, and business development that earns trust. Grounded in a decade advising expert practitioners and earlier roles in finance and M&A at firms such as J.P. Morgan, John works with a practical, value-centered lens. Clients finish with pricing they stand behind, proposals that win, a trust-driven business rooted in generosity, and a way to scale by serving fewer, right-fit clients. John is the author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, which holds a 5.0-star average across 80+ reviews on Amazon. John also hosts “The Price and Value Journey”, a podcast focused on the unique issues solo and small-firm service providers face. Deb was honored to be a guest. You can listen to that program here. To connect with John on LinkedIn, click here.

Episode 779: Neal and Toby explain why some of AI's top minds are sounding the alarm about how quickly the technology is evolving. Then, why Corning's stock is setting records and weight loss drugs are sending sugar prices to historic lows. Then a deep dive into Olympic stones and drones and the headlines you need to know before the long weekend.  Learn more about FlavCity at https://go.shopflavcity.com/mbds  Sign up for our monthly trivia! https://mbdtrivianight-feb2026.splashthat.com/  We'd love to hear from you! https://www.morningbrewbreakroom.com/c/r/MBDS?display=mbdailyshow  Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest: Simon Constable. As Storm Nills approaches France, Constable reports on rising copper prices and volatile gold, while noting UK PM Starmer faces severe political pressure from opposition parties.MONET

Is America facing a housing crash — or is this the correction we actually need? I sit down with real estate expert Jon Brooks to dismantle the biggest myth in today's economy: We do NOT have a housing supply shortage. Instead, we may be staring at the aftermath of artificially low mortgage rates, COVID-era speculation, government manipulation through QE and FHA loans, and a collapsing demand base. The "housing shortage" is a myth designed to prop up a bubble market. Here is the truth about real estate, the economy, and why you shouldn't buy a home right now. Separately, I cover why it's a mistake for Trump to oppose any budget reconciliation legislation and to own the terrible status quo economy by calling it “golden” and suggesting there is nothing more he wants to accomplish.  Learn more about your ad choices. Visit megaphone.fm/adchoices