Podcasts about prices

This week the Punching Up crew discuss a price hike for some Nintendo games and services in Canada, Mario Strikers coming to NSO, the team behind Donkey Kong Bananza and more!Please keep in mind that our timestamps are approximate, and will often be slightly off due to dynamic ad placement. Timestamps: 0:00:00 - Intro0:16:21 - Super Mario Strikers Coming to NSO0:19:16 - Price Increase in Canada0:25:35 - Nintendo and Amazon Update0:34:11 - Magic: The Gathering Secret Lair X Sonic Collaboration Announced0:37:38 - What We're Playing1:03:34 - Switch 1 Upgrades for Switch 2 Specs1:08:31 - Sonic Adventure Remakes Not Happening1:13:52 - Mario Kart World Update Has People Upset1:17:05 - Physical Turok Trilogy Coming1:21:20 - Donkey Kong Bananza Team Finally Confirmed1:25:17 - Elden Ring Tarnished Edition Rated1:30:36 - Closing Write-ins Learn more about your ad choices. Visit podcastchoices.com/adchoices

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Trump, Iowa and Trade Deals4:45 Vietnam/US Trade Deal6:50 US Weather Update8:33 Ethanol Production11:45 Stock Market Records

Sign language looks silly. Would Trump pardon Diddy? Are murders down? If so, why? Trump's Iran bombing blew over, right? Capital punishment?The Hake Report, Thursday, July 3, 2025 ADTIMESTAMPS* (0:00:00) Start* (0:03:37) Hey, guys!* (0:05:03) Reading way into stuff, what's not there* (0:06:59) JOE, MI: Trump Iran, JLP Best Friend* (0:10:24) JERMAINE, Canada: Candace Owens vs 20 feminists?* (0:17:54) AARON, MD: Your beef with sign language* (0:25:22) ARDENE, CO: Why is it distracting?* (0:35:14) Supers, Coffees… Anton middle name… Richard Hake?* (0:47:44) News… Danger, AOC-Cortez* (0:50:29) Mars meteorite … Free Speech in Australia* (0:56:56) Pardon Diddy? Trump answers a question* (1:04:40) MARK, L.A.: WHM, Orval Faubus, WHM, Gas penalty* (1:13:37) John Cornyn, Ted Cruz, RINOs, fakes, and Sign language distraction* (1:18:55) Murders down? Up? Why? Who knows! John R. Lott, Jr., PhD* (1:36:06) Trump tariffs: Prices didn't go up?* (1:38:15) Kyle Kulinsky beside himself over Iran a few weeks back* (1:46:44) Shoutouts* (1:47:39) CHRISTIAN, UT: The Wright Brothers* (1:49:30) ANTHONY, SoCal: Capital Punishment?* (1:54:39) Bye!BLOG https://www.thehakereport.com/blog/2025/7/3/the-hake-report-thu-7-3-25PODCAST / Substack https://thehakereport.substack.com/p/sign-language-looks-ridiculous-thu HAKE NEWS from JLP https://www.thehakereport.com/jlp-news/2025/7/3/free-diddy-jlp-thu-7-3-25–Hake is live M-F 9-11a PT (11-1CT/12-2ET) Call-in 1-888-775-3773 https://www.thehakereport.com/showVIDEO: YT - Rumble* - Pilled - FB - X - BitChute (Live) - Odysee*PODCAST: Substack - Apple - Spotify - Castbox - Podcast Addict*SUPER CHAT https://buymeacoffee.com/thehakereportSHOP - Printify (new!) - Cameo | All My LinksJLP Network: JLP - Church - TFS - Nick - PunchieThe views expressed on this show do not represent BOND, Jesse Lee Peterson, the Network, this Host, or this platform. No endorsement or opposition implied!The show is for general information and entertainment, and everything should be taken with a grain of salt! Get full access to HAKE at thehakereport.substack.com/subscribe

In this illuminating episode, Jiordana sits down with Crystal Cassidy — the CEO and founder of SoulPod, a soulfullness app offering powerful structure to help you become more aware of your inner world, and then transform it from within.A lifelong seeker, Crystal blends mysticism with science to guide others on their path of awakening. Her journey began at just 12 years old with meditation as a competitive martial artist, and deepened through a life-altering illness that opened her to the unseen world and the truth that healing starts in the subtle realms. With a background in biochemistry and nearly two decades of leadership in clinical trials and oncology research, Crystal brings a rare and grounded perspective to the spiritual path — one that is rooted in both data and divine intelligence.In this episode, Crystal and Jiordana explore:— How to move through life's hardest moments without falling into victimhood— What it means to cultivate foundational consciousness— Why awakening is never one-size-fits-all — and how to honour your unique pathThis conversation is a powerful reminder that healing doesn't happen in the mind alone. It lives in the body, the spirit, and the soul. And we're not meant to do it all alone.Connect with Crystal:

Why is it so hard to break into the luxury wedding market?So many wedding pros dream of working high-end weddings but don't know how to raise their prices or attract premium clients. You're doing great work, but the jump to luxury feels out of reach.In today's episode, I'm joined by Nikisha King, a wedding stationery designer who made that leap. She shares how she transitioned into the luxury wedding market, raised her prices with confidence, and started booking high-end clients who value her expertise.We're talking about the real mindset shift it takes, pricing strategies for wedding professionals who want to stop undercharging, and how to become the obvious choice for premium clients without burning yourself out.If you've been wondering how to transition to luxury weddings or what pricing for high-end weddings really looks like behind the scenes, this episode is going to give you the clarity and inspiration to go for it.Shownotes: https://evolveyourweddingbusiness.com/319***Tired of random marketing and unpredictable bookings? You're not alone—most wedding pros fall into the trap of random acts of marketing that don't actually lead to more bookings. It doesn't have to be this way. In my free audio training, I pull back the curtain on the strategies and frameworks six-figure wedding businesses use to book dream clients without working 60+ hour weeks.

On this episode of Bulture podcast:Convicted k*ller of 15-year-old Lesandro ‘Junior' Guzman-Feliz, who showed no remorse, found dead in New York prisonChristian Keyes Snatches His Hit Show “All the Queen's Men” from BET Over Alleged Lack of Transparency from the NetworkJeezy launched TM:101 Live 20th anniversary tour in Miami on June 27, bringing a symphonic spin to his trap classic Let's Get It: Thug Motivation 101. The black-tie affair features DJ DramaOpenAI CEO Sam Altman is surprised that people trust ChatGPT.Woman Who Got Curved by Ja'marr Chase in Viral Clip Says He's An "Old Friend' & "She Didn't Know the Cameras Were Out"Big congrats to Pluto on earning her first gold plaque for "Whim Whamieee"Keke Palmer is calling out the double standards successful women face when it comes to dating.Drake responds after T-Pain called him out for not following his own advice about making a graceful exit from the music industryMeek Mill is opening up out about his journey as a businessman in the music industry and how going independent has transformed his earningsKyrie Irving Donates $50K To Tamir Rice Youth Center Fund + Becomes Top Contributor to Campaign Honoring Police $hooting VictimNBA Star James Harden Accused of Negligence in SA Lawsuit Involving His Nephew, Woman Says His Security Failed to InterveneLeBron James will pick up his $52.6 million player option to stay with the Los Angeles Lakers next season, ending speculation about his contract status.The U.S. District Attorney's office is investigating Detroit Pistons guard Malik Beasley on allegations of gambling related to NBA games and prop bets, sources told ESPN. Serious development surrounding one of the top NBA free agents.Rockets' Dillon Brooks files restraining order against his baby mama, claiming she threatened to cut off his fingers so he could never play basketball — and threatened to kill his mom, via tmz.North Carolina rapper Rissa Reign says Cardi B jacked her song “Outside” What do y'all think coincidence or she have a case?Landscaper arrested for throwing a large house party while the owners were away on vacation and charging each partygoer an entry feeThe New York Knicks are reportedly in talks with Dawn Staley to become their new head coach. If hired, she would make history as the first woman to lead an NBA team.”Several fans on social media believe the NBA would be in a better position if they went back to drafting players from the trenchesThe Chicago Bulls are trading Lonzo Ball to the Cleveland Cavaliers for Isaac OkoroThe son of actor Tisha Campbell showcases his toy collectibles.OH MY: another video of Amerie attempting to perform her song '1 Thing' is now making its rounds online.Houston man stole designer glasses from Neiman Marcus at Galleria Mall, posted on social media, and stayed. When cops arrived, he fled, jumped from the second floor onto the ice rink, and broke both legs.DDG has now been granted approval to visit his son Halo in Italy on July 1st–3rd, but under these conditions Visitation hours are 9 AM to 6 PM daily (Halle's team originally proposed 12 PM to 6 PM)–     Supervised by Halle's nanny and security–     Halle's lawyer raised concern the nanny felt unsafe alone, prompting need for securityNo overnights allowedMust stay near Halle's hotel in Italy. DDG can't take Halo more than 3 miles from hotel. No social media posts of Halo by DDGBigXthaPlug and Shaboozey just dropped their new video “Home,” shot in Dallas. It seems BigX's country tape is on the way, which is rumored to feature Post Malone, Jelly Roll, Morgan Wallen, Luke Combs and moreKhaman Maluach, the Rockets' 10th picks in the 2025 NBA Draft, revealed he used to walk barefoot over an hour every day to the nearest basketball court in Uganda to pursue his dream

Washington Policy Center's Todd Myers critiques Washington's rising gas taxes and CO2 pricing, arguing that residents face some of the nation's highest gas prices despite poor road quality. https://www.clarkcountytoday.com/opinion/opinion-washingtons-already-high-gas-taxes-jump-another-six-cents-per-gallon-driving-prices-up/ #GasTax #WashingtonPolicyCenter #ToddMyers #CO2Tax #CCA #WashingtonState #FuelPrices #TransportationFunding #GasPrices #Opinion

In this episode I go through the potential best buys heading into round 18 of the nrl fantasy season!Timestamps00:00 - Who's Hot List Join the new Facebook group which is replacing the discord group herehttps://www.facebook.com/share/g/1AQavXJogu/?mibextid=K35XfPCome and join a big group of people that love talking NRL Fantasy. Receive advice from myself and other superstar players including Riley 5th, Bevan 8th, Hayden 9th and Mitch 21st (2024). Be in the running for big prizes as seen last year with 2 x $1000 winners.What is included in this year private group is below:- Massive Top 10 Written Analysis (20th, 50,100,500,1000,2000 included for comparison)- Massive Top 10 Video Analysis (20th, 50,100,500,1000,2000 include for comparison)- The 3 Best Season Long Trading Strategies after analysing the top 10- The 4 Different ways the top 10 made the top 10 (Each strategy works)- My Trading Checklist- My clear team structure plans (how many guns, cows etc)Private Group During Season Posting Schedule (Written)Sunday- Results Thread - Result & Rank + 1 thing you did right and wrong - help everyone learn on the run (8pm)Monday- Early Trade Thoughts Thread - Who are you wanting to rage trade, who do you want? (9am)Tuesday- My top 3 teams to target rankings Thread - You can provide your thoughts in comments (12pm)- Questions for Jamie Thread (5-6pm) (Written answer then release video to Private Group Wed (5:30pm). Public release Thursday (5:30pm)Wednesday- Trades Discussion Thread - I start with my thoughts then add yours in comments (9am)- My Buy/Hold/Sell Rankings with risk % Thread (3-5pm)Thursday- My Captaincy Rankings Thread (12pm Gameday)Friday- Weekend Thread (Looping, late changes, my changes, do I take this score or not?)Full Season Pricing & What You Get (4 Tiers)JBFA Private = $25 AUD- Access to the exclusive private Facebook Group & Group Chat with likeminded people which includes:My weekly best buys, teams to target, captaincy rankings, trades discussion, late mail, my late changes & nrl physio insider news.- Post your questions in the weekly thread answered by me in the thread or on the channel & podcast (Q&A video = private members questions only. Received 12-24hrs before public)- Contribute to the private group consensus team- Finals fantasy accessPayment DetailsAustralian Bank AccountJamie BrownBSB: 062692AN: 41028639Wise.com. (good overseas option)Or PayPalJamie@wattlecomms.com.auDM me or email me at jamie@wattlecomms.com.au when you have paid.#nrl #nrlfantasy #nrlfantasy2025 Hosted on Acast. See acast.com/privacy for more information.

Are you ready to take the risk and draft these players before they erupt in 2025? Denny Carter joins Colm Kelly to reveal three teams that will have a significant impact on the fantasy football landscape that you can draft at a discount in fantasy football drafts. The guys share the upside case for their key pieces.Timestamps0:00 Intro2:00 Bo Nix and the Denver Broncos5:00 The RBs - RJ Harvey, JK Dobbins14:00 Caleb Williams and the Chicago Bears18:00 The WRs - DJ Moore, Luther Burden, Rome Odunze21:00 Cam Ward and the Tennessee Titans23:00 Calvin Ridley, Elic Ayomanor28:00 OutroSubscribe to the RotoViz YouTube Channel here!HOSTSRotoViz Radio Executive Producer Colm Kelly (@OvertimeIreland)GUESTDenny Carter - ‪@dennycarter.bsky.social‬ - NBCSports/RotoWorld, BadFaithTimes.comSPONSORSBetterHelp - This episode is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/ROTOVIZ, and get on your way to being your best self.Gametime - Download the Gametime app, create an account, and use code ROTOVIZ for $20 off your first purchase.Listeners of RotoViz Radio can save 10% on a one-year RotoViz subscription by visiting RotoViz.com/podcast or by using the promotional code "rvradio2025" at the time of purchase.SHOW NOTESRotoViz Radio provides the power for RotoViz Overtime.Email: RotoVizRadio@gmail.com@RotoVizOvertime on Twitter

Keith discusses the evolution of the real estate market over the past five years, highlighting a 43% price surge from March 2020 to June 2022 due to low mortgage rates, remote work, and government stimulus. By 2024, single-family home prices stabilized, but apartment values dropped by 30%.  Mortgage rates have remained around 6-7.5% for 20 months, with national home prices rising 2% in the past year.  We introduce two listener guests: Josh Fang, a 28-year-old investor who bought five properties using his income from a mortgage loan officer job, and Nate O'Neil, an experienced investor who leveraged his corporate job to fund his real estate portfolio.  Show Notes: GetRichEducation.com/560 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold, over the past five years, the real estate market has changed forever. So what are you supposed to do now? Then I talked to two GRE listener guests back to back. Here's some relatable stories this week on get rich education.    Mid south home buyers. I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis, and have globally attractive cash flows, an A plus rating with a better business bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis. Get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Speaker 1  1:48   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You   Keith Weinhold  1:58   Keith, welcome to GRE from Augusta Maine to Augusta Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you are back inside get rich education if you got trapped in a cave back in 2020, and then you came above ground into the sunlight of 2025 and wondered what happened to the real estate investment market over the last five years. Here's the answer, and what it means to you, even if you weren't trapped in a cave, and I sure hope you didn't have to fight off a bat colony either. During the pandemic housing boom of 2020, to 2022 housing demand soared, in fact, from March of 2020, to June of 2022, prices surged a staggering 43% and rents ballooned too. And that was all amidst a few things, ultra low mortgage rates, a remote work boom and government stimulus. And for many, this unlocked Americans work from anywhere arbitrage. High earners were able to keep their income in, say, New York City or LA, pack up their laptop and head for state income tax free havens like Tampa or Nashville, and builders could not keep up. See housing supply, stock is not as elastic as demand. It's like steering a cruise ship. It doesn't turn out a dime. Inventory was drained, and you know, we had a full on housing supply crash that dipped to its Nadir in February of 2022 but just after that, all types of interest rates spiked later in 2022 to help stifle rising inflation, and what that did is that that quickly quelled homeowner affordability. Return to Office mandates began to gain momentum. National housing demand pulled back a near 180 was quickly underway. Sales volume tanked, and that put a lot of people in the industry out of business, realtors, mortgage loan officers, even furniture companies out of business by 2024 prices in the single family to fourplex space stabilized just with a slow growth rate, but apartment values lost as much as 30% from 2022 to 24 due to devastating interest rate resets under shorter term loans, and meanwhile, the income required to buy a modest starter home rose from 49k in 2020 to 101k last year. That's pretty NAR and the term forever renter became both a meme and a. Reality, and since construction, efforts to build have been uneven, apartment supply actually exceeds demand in a lot of markets, and over in the one to four unit space by adding inventory, there's now 30% more available year over year, but it remains under supplied nationally, especially like I've discussed in the Northeast and Midwest, where building has been meager to completely non existent. That's why it can still feel impossible to find a house in much of Ohio or New Jersey, but you can rent an apartment in Austin, Texas faster than you can get a Wendy's drive through order. Mortgage rates have now stayed in this same range of six to seven and a half for 20 months, and national home prices are up just about 2% in the past year. Now, when Trump began his second term in January of 2025 markets got giddy with business friendly optimism, but this Trump bump that reversed fast when he slapped half the planet with tariffs housing demand cooled again, because no one buys a house when they feel like their job might vanish, alright? So amidst all of that. How do you adjust your strategy with what's changed over the past five years? Well, real estate still pays five ways, and since you're not betting it all on price growth like you would be with most other asset classes, this way, you've always got a side to play with. Affordability down now, rental demand is heating up. With more inventory on the market for you to purchase, there are more motivated sellers, especially those shiny build to rent homes. You do still have to deal with mortgage rates that are higher than they were four or five years ago. Refinance on the rate dips if there's low inflation rates fall if there's high inflation, well, then your debt arose faster. So this is what I mean about you having the ability to play both sides today, and this is big, the number of renter households are at a record high, and they're rising. Landlords are giving fewer concessions. Increasingly, they hold the cards in the single family rental space and annual rent growth is expected to heat up from its current zero to 3% Well, what is next? Short term housing value should stay stable, but not sore, and don't count on a big mortgage rate drop at all for the rest of the year long term, expect more inflation in strong demographic demand. Those things are almost certainties, and that's the good part for real estate investors. So really the overall market report card today, let's grade it out in a report card, sellers are doing just okay. Buyers are strained. First time home buyers are in the worst, the roughest shape. I mean, they grade out at an F single family rental landlords are in good shape because people that want to buy a single family home can't, so they rent apartment landlords, they are strained, and renters are holding steady. They're doing pretty well until steeper rent increases kick in. So really, the bottom line here is that it's been a more tumultuous five years than usual. Housing demand lapse supply and now it's coming closer back into balance today, home prices are stable, the amount of buyers are waning, and the hordes of renters are growing. And where are we today? Well, earlier this month, our president called our Fed chair a numbskull.    Donald Trump  8:56   If we cut our interest by one point for years, we save 300 billion. If we cut it by two points, we save because it's pretty equivalent we're going to save, we're going to spend 600 billion a year. 600 billion because of one numb skull that sits here. I don't see enough reason to cut the rates now.   Keith Weinhold  9:21   oh dear leaving you with a little knee slapper on the five year summary there. Look poor and middle class people feel like everything is expensive. That's because they pay for everything with money they've exchanged their time for. That means they feel like they're paying for everything with their life, because they are and that's exactly why money feels like a scarce resource. Instead, real estate investors pay for things according to what our assets are producing for us and what other people's money is producing for us. And that's why we can pay for what we want, and money feels like an abundant resource, not a scarce one. That's what today's two listener guests discovered somewhere along their path, fueled by this show. Now sometimes I answer your listener questions here on the show when you write into us at get rich education.com/contact, other times, I bring listener guests right here onto the show. That's what we're doing today. Today's both happen to be based in California. The first guest is a young investor, and the second guest more experienced. These were just recorded. Understand they aren't professional speakers. And also, if you bear with a few early audio difficulties with our first guest, you're going to be rewarded with some relatable takeaways. Our first listener guest, Josh Fang, started listening to the get rich education podcast as a college student in 2016 or 17. He first heard episode 84 that's when Robert Kiyosaki made his first appearance here. That episode was called the rich don't work for money. Then he went back to Episode One and listened to them all, 560 episodes. Now let's meet him.   This week's GRE listener guest is a 28 year old real estate investor based out of Irvine, California. That's SoCal, and he has already reached what he calls semi work, optional status, fantastic. He's been a GRE listener since 2017 that was at age 20 when he was a junior in college. The GRE podcast inspired him to become a mortgage loan officer, and he's become a top performer at doing that, originating loans after graduating college. He used the money from that mortgage loan officer job starting at age 22 to buy five income properties, two through mid south home buyers and three elsewhere. By the way. Again, he's 28 now. GRE quite literally shaped his adult life, and having enough passive income to fully retire is pretty much his only goal. Now he's got passion for talking financial freedom through smart borrowing, strategic thinking and action over perfection. Oh, I love that. Hey, welcome to GRE. Josh Fang, thank you for having me. I really appreciate it here on the show, I talk about borrowing and lending a good bit, because if you're gonna make something of yourself, you need to leverage the efforts of others. So tell us about how you got your first job in the mortgage industry and how it set the foundation for your investing journey. Josh,   Josh Fang  12:31   when I graduated, it was really rough. I had a business degree which didn't really open up too many doors. At that time, I couldn't find a job for six months, I was just applying everywhere that I could. Now keep in mind this entire time, I'm looking for a job. I'm listening to your podcast, and you know, how can I the income and the money to purchase some rental properties for some passive income? And one company responded to my resume for a mortgage company. So I was able to get an interview, and I actually got the job by quoting, you know, mortgage guidelines that I learned from your podcast. Your Podcast, such as, for an FHA loan, you need three and a half percent down. For a conventional you need 20% down, just the most basic of the most basic mortgage guidelines. And actually was able to land a job, and in the very beginning, they start you off pretty much. I mean, as a telemarketer, it's pretty rough, long hours, you work weekends, I was making $17.48 at the time per hour, and with that basic income, the 17.48 an hour, I actually was able to buy my first rental property without even the two years work history. And the way I did that was by using my college degree as work history, because there is actually a guideline to where, if you have degree that is in the same field as where you work, it does actually be counting work history. And it was really funny at the time, I was living with my parents, another document that I needed to go through underwriting. I needed a letter from my dad, a signed letter from my dad saying I didn't pay rent because I was living at home. And off that 17.48, an hour, I was able to buy my first rental property. And from mid south home buyers, everyone there was so great. They were so helpful in helping me through the loan process, through selecting a property, and I was able to close. And the time that I bought my first rental I was only 22 years old.   Keith Weinhold  14:20   This is remarkable on a few levels, with just those few lines, about three and a half percent down FHA or 20% down conventional that sounded compelling enough for someone to want to give you an opportunity and then off that modest starting wage, how that really helped you accumulate to buy income property and yeah, when you're buying in those investor advantage places, those prices are low, but that's still pretty remarkable that you were able to do that. So talk to us some more about that, buying your first rental property at age 22 surely younger than most people about that process and the mindset and really that leap of faith that it takes Josh because most people are not doing this.   Josh Fang  15:00   Yeah, absolutely. And I think I had a really big leg up in terms of mindset, because I was starting to listen to your podcast when I was so young, when you're young and you're growing up and you're a young adult in college, you know, you hear from your teachers, your parents, your friends, older people, and they say, oh, invest in the stock market. Buy a primary residence to live in. And the big thing that I learned is I don't live in the same world as the world that my parents grew up in, and I can't invest the same as well. Great point there's, I live in Southern California. The medium house price of where I live in, in the city of Irvine, is $2 million yeah, that's ridiculous. I would never, ever be able to purchase a primary residence out here, and buying stocks are at all times highs. I mean, that's arguable, but I think stocks are quite overfit. So investing there didn't make too much sense. And what you always talked about in terms of building a second flow of income, having that be passive to where I don't need to work regularly, is what really motivated me to move towards that. And in terms of making the first step, I think the most important thing by far, is just setting a goal, saying at least for myself, it was, hey, I want to own a property. I want to provide safe, affordable housing to a tenant, and I want to be able to make money off of that, to where I don't need to do something physically for it every single day. And then after that, it just about taking the steps. The first things first is I reached out to some of the house providers. In that case, it was mid south home buyers, gave them a call, spoke to them, say, Hey, can I please be put on your list? Perfect. Then it was just continuing the work, doing more research, continue listening to your podcast, learn tidbits here and there, lots of Googling, lots of Googling, looking up terms that I didn't understand when I read through the analysis of the property. Hey, what does this mean? What does that mean, Googling it, learning one step at a time. And then when it came time and I was actually receiving properties that I could buy, it was about getting the mortgage, and it was about, hey, let's just move one step at a time. Okay, today I need to get these documents, and the next step, I need to get these documents. And before you knew it, I was signing with a notary closing on my first property,    Keith Weinhold  17:10   the autodidactic approach, meaning the self taught approach, with some assistance from my show. But yeah, oftentimes listening to the show can be the stimulus to make you want to learn more, probably, because I talk about the why for real estate, and if you don't know your why, you won't care about how So Josh, are you doing something that some people do in high cost areas, like you live in in SoCal? Are you renting your own place? And then you provide rental housing to others outside your own area. In investor advantage places is that your setup?   Josh Fang  17:44   100% where I live in Irvine, it is extremely, extremely low crime. Everything's a planned unit development. It is beautiful out here. There's trees, there's lots of different foods from different cultures. I absolutely love living here. The only issue is is it's ridiculously expensive. I live in a very nice luxury apartment complex, and I pay of extremely high rent that normal people probably wouldn't be able to pay. But rather than coming out of my pocket, I use the cash flow for my rentals to pay for my rent over here. So it's kind of like I'm building equity, even though I'm just renting, and I get to live the life that I want to live, where I want to live it, while still being able to invest the proper way. In my opinion   Keith Weinhold  18:26   that's beautifully said and well thought out. And part of doing that, Josh is this borrowing money, which I think to lay people, is scary, and for someone in their 20s to borrow money, that could really bring a good bit of trepidation, because that goes against the grain of what so many people do. But of course, we talk around here about how borrowing money like you have for your rental properties in other states outside California really is not something to fear. So can you tell us more about how you approach that mindset?    Josh Fang  18:57   Absolutely, and it's always hilarious when someone asks you if you if you have any debt, and you tell them $500,000 when you're 23,24 years old, the biggest thing about borrowing money is now, again, there's different types of debt. So I'm not saying, hey, go buy some expensive car that you're going to be backwards on in a few months. Don't get a bunch of credit card debts at 24% interest rates. I'm talking about debt from a with a collateral attached to it, such as a mortgage. The way I like to think about borrowing money is borrowing like a bank, because your money has value. Whenever I have money in the actual bank, it doesn't feel like it, but I'm actually lending money to the bank. They're taking the money that I have deposited and lending it out to other people at higher rate than what they're paying you back. That's how they're actually making the money. I'm thinking like a bank. And of course, that's exactly how it is with borrowing money for rental properties. The interest rate that I have to pay on my mortgage is so much lower than how much income I'm receiving by actually renting it out and providing housing for someone. And then, of course. Tax deductions.   Keith Weinhold  20:00   Sure you're creating arbitrage there when it comes to paying off or aggressively paying down a property. I mean, some protection financially is surely good, but one has to realize that after some point, when you protect you cannot produce another way to say it is if you use your dollar to pay down, then you cannot use your dollar to multiply.   Josh Fang  20:25   I agree with that 100% I couldn't have said it any better.   Keith Weinhold  20:28   You really took action something that a lot of people don't do. I don't think you did right away. You listened to some episodes for quite a while, but you did overcome analysis paralysis at some point. So talk to us about more with that mindset of how you took the first step, even when you're still perhaps a little unsure.   Josh Fang  20:46   I think you say it best, and I know I'm literally taking the words out of your mouth, because, again, I'm a long time listener, but do the right thing before you do things right. Yes, rings so, so, so true. You're never going to be perfect. There's never going to be the perfect property. There's never going to be the perfect deal. Eventually you just have to do it. And again, all it really is is saying, Hey, here's what I want to do, and what are the steps that have to take to get there? If the first actual step, rather than just listening to the podcast or getting more information, if the first step is, hey, I want to get a pre approval. Go ahead and get it done. Reach out to a loan officer, get your pre approval, get the documents needed, get the right information that you need, and then start writing offers on properties, or contacting Keith and his team, their GRE mentoring team, and ask for property values. And once you find one, and again, you're never going to find the perfect property. Once you finally say, hey, this fits enough. Jump on it. You should be excited. I mean, again, once you're doing the right thing, you can learn to do things right. And slowly, kind of say, Hey, I made a small error there. Hey, I made a small error there. But at the end of the day, you move forward and you're ahead of where you started. I think that's the most important thing.   Keith Weinhold  21:59   Yeah. I think uncertainty stops. Some people, maybe even uncertainty with the larger economy. Or maybe people just look for excuses for inactivity. Sometimes there will always be some uncertainty out there. And what you do when you make an offer on a real asset is you just made some certainty in your life. Yeah, just talk to us more about the process of kind of you started with your first property and then growing that portfolio. And what did you learn between the first one in that second, third, fourth and fifth one, where you are now   Speaker 2  22:32   after buying my first one, when I received that first rent check, after that first rental property, my net cash flow after management expenses, putting a little, you know, VIMTIM, keeping an extra 10% away to just keep in the bank in case something came up. I wish cash flowing at the time. $231 doesn't sound like a crazy amount now, but as a 22 year old kid and saying, Hey, I got this $231 without lifting a finger, felt amazing. I had this feeling, I'm out in Southern California. We had this burger chain called in and out. My double double burger and fries combo was about $6 at the time. And I said, no matter how bad things get, no matter how bad things get, that $231 I can buy an in and out meal every single day, as long as I own that property. I just had such an overwhelming feeling of, when can I get the next one? I immediately, immediately reached out to MidSouth like, hey, put me on the list as soon as I have money. You know what? Keith, it got fun. It got fun every time I got an email saying, Hey, here's another property. Like, wow, if I can make this deal work, that's an extra couple $100 I can have at the end of the month every single day. And now I live in my own apartment complex, in a unit in an apartment complex, but at the time, I rented out a room in a house, in a condo, just a single room, and by the time I bought my second rental property, all of my cash flow from my two rentals actually covered the full amount of my monthly rent living out outside of my parents place. And that just felt so so so amazing, because it was like I almost had no overhead. So all the money that I was making for my job was completely disposable that I could use to purchase other rental properties. And that was just such an amazing, freeing feeling to know that no matter what happened, I obviously as long as there's no vacancies or any kind of crazy issues there, that I would still have that flow of income coming in pretty much after buying my first one, all I wanted to do was buy more. Now, a big issue that happened was 2020 and 2021 there was very little inventory, so really tough and slim pickings, and I would have bought a lot more if I could find more deals. And now, thinking back, I should have, if anything, I wish I bought more.   Keith Weinhold  24:50   Gosh, I just love that Josh, that seminal $231cash flow from that first property, and how you rationalize that that could buy you in and out. Meal every single day, all month. If that's what you wanted to do with that first one, that's terrific. And yes, markets change. There's more inventory available now than there was in 2020, and 2021, mortgage rates are surely higher. You don't have as much competition. You might even get a concession or two when you buy since it's a more balanced market today than it was about four years ago, for sure. So every market cycle is different. When you realize you're paid five ways at the same time, there's always one side to play or the other. There's always so many variables that you get to deal with there. Have you had any certain issues with property management, or do you have any mindset about using a property manager remotely. I assume you're using remote management for these turnkey type properties. Is that right?   100% I've actually never physically seen any of my properties. Yeah, what you say is the best, essentially, your team that manages your property is the most important by far. Right? Right now, here's the thing, issues are going to come up. Regardless of what happens. There's always going to be something that breaks. Eventually, there's always going to be vacancy. Eventually there can be natural disasters, something's always going to come up. And the thing is, you can't get angry about the things that you can't control. If there is a vacancy that you know you vetted the tenant properly, and there was nothing to do if there is a natural disaster or if something does break down in your property that you couldn't have expected coming or that wasn't your fault. The biggest thing is, you can't get angry with it. You just have to know that you can deal with it properly, and having a professional team on the other side saying, Hey, we're going to handle it. This is an issue. Here's how much it's going to cost. We got a couple of you know quotes. Please approve one when you get a chance, and knowing that the other side will be able to execute on that and to do it for you, and that you don't have to fly out wherever you own your property and do it yourself physically, or have to call around and find a contractor to do it, it's a huge peace of mind, and having a property manager and a team that you can trust just makes it work. If I couldn't get a property manager that I trusted, I wouldn't own the property in the first place. It's just too much work.   I am the same way. I also have not seen the majority of the properties I own. I've never seen them physically, in person, yeah, having a professional property manager, they provide a buffer, and they help keep this investment unemotional for you. And Mistakes happen when people get overly emotional about their properties. Some people are reluctant to hire a property manager, Josh because they don't want to pay the eight to 10% property management fee, which can actually be a little bit more than that effectively with leasing fees. But people feel that way, as oftentimes they're confining and limiting their search to their own local market, which probably isn't investor advantage. So they don't have enough of a cushion in their pro forma, in their profit and loss statement to pay for a property manager. But when you buy in those investor advantage places where you get that high ratio of rent income to purchase price. There you have the allowance to pay for the manager too,    Speaker 2  28:06   100% and luckily, because I have my foundation of real estate from listen to your podcast, I never even look at a deal without factoring in the fact that there will be management. I have never, ever even possibly considered self managing. It just makes no sense. I'd rather, let's just say it's 10% and a month's worth of lease, which is a little bit on the higher end in terms of management fees, right? Even if I were to do I would factor that in 100% of the time if the deal doesn't work, if it doesn't cash flow, if it doesn't, you know, appreciate a certain amount, if it isn't in my ballpark, with the management fees taken out, that's not even the deal that I'm looking at. It's just too expensive.   Keith Weinhold  28:47   Yeah, that's a great way to think about it, keep it unemotional and make it all relatively passive. I self managed for the first six or seven years of my real estate investing career, but that's because I was only investing in my own local market, and I was thinking small, and I didn't learn about finding the best investor advantaged places nationwide. Well, just as we wind down here, is there any last thing that you'd like to let the audience know or to tell us, I know before we recorded, you had talked about how really, your Daydream is more realistic than you think, and the motivation behind getting started. What do you want to leave with? Josh?   Speaker 2  29:22   You say it after every podcast. Don't quit your Daydream. I've been hearing that for eight years now at this point, and it really is, I don't have a day job. I pretty much only work when I feel like it. The majority of what I've lived off of is the income properties that I've bought and the lifestyle that I've crafted. It's so freeing. No one's telling you what to do. You don't have to go somewhere every day. You can spend time doing what you want. When I first quit my day job, and, you know, went into this semi retirement, I'm not gonna lie, I play video games eight hours a day for months, or maybe a month or two. I don't know if that's the most productive. It. But the fact that I could do that, I could obsess on crazy hobbies for a while was crazy. But one of the most important things to me of being able to reach this point in my life is I'm starting to get a little bit older. I am able to spend time with my family. I am able to spend time with my grandparents, and, you know, just like on a Tuesday or like on a Wednesday, just when nothing's really going on. Just being able to stop by and say hi to my family and spend time with them is something that I'm so blessed to be able to have, and not many people can do. And then the last thing I'd like to say on that is just, there's very small things in the world that a lot of people don't get a notice. Because I feel like everyone's in a rush all the time, and a lot of people are. You know, if you're working 40 hours a week, nine to five, you know, nine to six, there's not much time. But the other day, I was taking a small hike, and I saw a group of lizards. I thought they were cool, so I looked at the lizards. I spent maybe 15 minutes watching the lizards. I wasn't in a rush, you know, I could just enjoy the small things in life, and that's one of the best things in the world to just have that sense of not being in a rush. And I feel like investing in real estate and having that passive income and having that level of freedom. To me, that's what my Daydream is. There's nothing better to me.   Keith Weinhold  31:14   the simple pleasures about not having your time so confined that you could enjoy looking at lizards for 15 minutes. I love the small stuff like that. And does this mean Josh? I mean with five rental properties that you only need to work part time rather than full time, because usually five properties don't allow someone to completely leave the workforce.   Josh Fang  31:32   No, not at all. I definitely do things on the side. I still do loans for friends and family. I do some other stuff on the side, but it's more of that my basic needs are met for the most part.   Keith Weinhold  31:43   That's terrific. You've got more latitude to live and having a life of options Trumps having a life of obligations 100% Well, hey, it's been great hearing your story. Josh, loved having you here on the show you're listening to get rich education. We got to know listener. Guest, Josh Fang more, and we come back with another listener guest, profile, I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 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 pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Jim Rickards  33:49   this is Arthur Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  34:05   our next listener guest has an uncanny amount of similarities with me, like me, he was a geography major in college. He had humble beginnings in upstate New York, not far from where I grew up, in upstate Pennsylvania. He's a huge believer in real estate pays five ways, and he loves world travel. His first job out of college was, in fact, traveling the world, playing basketball against the Harlem Globetrotters. We sure don't have that pro basketball part in common. He owns dozens of units across seven states today. He's listened to GRE for six or seven years, and he was a corporate guy living in California who thought the book Rich Dad, Poor Dad was fiction, until he experienced the rapid appreciation of he and his wife's first primary residence. And after that appreciation, he knew he had to acquire more real estate. Prices were too high in California relative to rent, so he. Went out of state, and he had just one property for five years to learn that was pretty similar to me as well. And then he saw tremendous opportunity after the GFC hit in 2008 and that really put him on a path through experience the five ways real estate pays over time, and he became convinced that there's not a better risk adjusted business model that's easily accessible to the average person. Hey, welcome to GRE Nate O'Neil   Nate O'Neil  35:25   Keith, it's great to be here. I've been, as you mentioned, a long time. Listener. Really appreciate the content that you put out, and excited to be on the show   Keith Weinhold  35:32   and you're no longer playing like zero defense basketball against the Harlem Globetrotters. You work in the solar industry now. I know that you sell to single family rental REITs. That's really interesting. And one thing that real estate investing lets people do is think differently about their w2 jobs. So tell us about how that manifests with you. Nate,   Nate O'Neil  35:56   growing up, you know, the first 25 years of my life, 24 years or so, my identity was wrapped up as an athlete, and, you know, something I could really get excited about eventually, that had to come to an end, and started working in the corporate world. So did that for a little while, and got going. It really, you know, didn't resonate with me that much. But, you know, I had a wife, and I had some kids on the way, so had to keep grinding it out. And, you know, as I did that, I discovered real estate, and what really helped me with that was I saw the corporate world began to be a vehicle to grow my real estate portfolio, right? Instead of it being the desk jockey in the cubicle, my corporate job was okay, this is the way for me to raise capital and get the best loans to build a real estate portfolio so, and it's ironic, because as that kind of evolved, I gained, you know, more appreciation for the corporate job, and it didn't, it wasn't so burdensome. And I know there's probably a lot of people out there right that feel that way about their job, but you can probably do a mindset shift and say, hey, you know, this can serve me in other ways and it not be such a grind.   Keith Weinhold  37:03   That's a great way to think about it. While you have that job, it sure is an asset in helping you qualify for loans. Right before I quit my job, I made sure I qualified for as many loans as I could, because I sure would have had a hard time getting them immediately after leaving my job, before I built income or build up passively from something else. It's funny, when you're in the corporate world, you're in this context of normalcy. So many people that you know are working. You're around your coworkers all day. They're working, and if it's something you're not passionate about, yeah, you still don't question it, because it takes on that context for normalcy. But once you leave your job, it feels bizarre that anyone would ever show up and spend five of their seven days and most of the waking hours of those days doing something that they're not passionate about. Now maybe you are passionate about what you do. That's where the mindset that I think through there, but that's a good way to help a person feel a little bit better showing up at their job, even if it is a soul sucking job. Nate. So talk to us about this more with this sort of power of purpose that you had, and when you are working your day job, you probably do some living below your means in the short term, but a lot of people just do that decade after decade and grind it out. So how do you think about that with the mindset in this sort of capital formation stage, in order to acquire more property while you're working?   Nate O'Neil  38:29   Like I said, it was an opportunity that the job became an opportunity to fuel the real estate business, which, as you mentioned, I saw that opportunity in 2009 right when prices were low, when interest rates were low, when there was a bunch of nice new foreclosures on the market, I saw the it created a sense of urgency in me, right? So I was like, All right, let's go to work, because the work's going to drive that capital, and the capital is going to allow us to acquire more and more of this real estate, which is, again, something I was passionate about, because we had this just that one rental for that five year period, I saw the power of what it can do over the long term. And when you have that purpose and that clarity, then all the minor stuff that you can get wrapped around and can kind of slow you down, really doesn't matter you have that big vision and that big goal that you're going after that really kind of drives you    Keith Weinhold  39:20   now, before we got started today, I learned that you have a few ways of thinking about how real estate investors can have their cake and eat it too, more tactically. Here tell us about that. And of course, what is the point of having cake if you can't eat it?    Nate O'Neil  39:33   Yeah, for sure, worked in some different industries and some different companies, and seen a lot of different business models. I've never found anything where you can have kind of both sides of the cookie here, or hack cake eat it too. You can depreciate an appreciating asset. The government allows you to depreciate homes, right? Which gives you a nice tax benefit. The money that I make that my corporate job is taxed at a much higher rate than my real estate income, but yet the asset actually appreciates. Dollars. So you depreciate an appreciating asset. I think people underestimate the power of the 30 year mortgage, right? You can lock in an interest rate today for 30 years, and if interest rates go up, you did a great job. You locked in a great, great rate. If interest rates go down, you're a champion. If you just refinance, when you do a 30 year fixed rate mortgage, the lender is committing to you for three decades, but you don't have to commit to them. So again, have your cake and eat it, too. And then you know the whole return on amortization that you talk about, Keith, yeah, when you get to borrow money that you don't have to pay back, in essence, right? The resident that's in your home is paying that money back. So people think about they hate getting bills in the mail. I actually love getting my mortgage statements in the mail. Every month I go through this little ritual, I look at it, and my process is, wow, how much was that principle paid down? Right? I didn't pay it back, right? The rent payment paid it back. So what other scenario can you borrow money that, quote, unquote, someone else is paying back on your behalf,   Keith Weinhold  41:02   that ROA, that return on amortization, also known as principal pay down. Where, yes, you get that statement every month, and you get to see how much a stranger paid down for your property. It's basically a stranger every month is faithfully funding an illiquid savings account for you,   Speaker 3  41:22   it's just incredible. And then the final way I kind of think about having your cake and eating it too, is, is this HELOC strategy. So over time, as you build equity in your portfolio, you can take out a home equity line of credit, right? And the beauty of a line of credit is you open it up and you don't have to make any payments if you don't use the money. But when there's an opportunity, you can pound for that opportunity. And this is what we did in 2020 and 2021 we acquired some new construction fourplexes with HELOCs. And when in using the HELOC strategy, you're able to use every single dollar to keep the balance low. And what it does is it creates this virtuous cycle of increasing cash flow, because it's a line of credit, and you pay off against that, that line of credit, if you need the money back for an emergency, or if a better opportunity comes up, then you basically just pull more off that line of credit. But if you don't have that opportunity of that emergency, then your money is fully working to keep that payment low, which increases your cash flow, and again, it creates that virtuous cycle of of increasing cash flow, which you can use to pay down the HELOC. Even more   Keith Weinhold  42:29   I see no downsides to getting a HELOC to getting a line of credit against your existing primary residence or your rental properties, whatever they are. It's like this flexible credit card where you're drawing on it with your property as collateral, and it's at lower interest rates than a credit card is going to be. And you also have interest only flexibility, meaning even if you draw against it, and you do have a balance and you need to make a payment, therefore you can pay as little as only the interest portion if you want to. In fact, when I bought my first fourplex in order to fund my second fourplex, I took a HELOC second mortgage off of that first one. Love the HELOC really can't think of any downsides with at least having it there. And then it's up to you as to whether you want to draw against it or not. Absolutely talk to us more about you're another out of state investor based in high cost California. There. It sounds unusual to lay people, but here we are as successful investors owning these properties, typically that we have never seen out of state. Are you in that category as well? And talk to us more about the out of state investing experience   Speaker 3  43:40   I've only ever seen one of the units that I own, the rental units that I own, and I actually think it's a huge advantage, because if you're seeing them driving by them all the time, there's probably little nits that you could point out, and, you know, you get some kind of emotional attachment to them. The way I look at it, it's two things. Number one, it's the spreadsheet behind it, right? What are the numbers behind it? What is my mortgage payment? Is there Hoa, taxes, insurance, all that stuff, and what is my rent? And obviously, I'm all about cash flow, so that rent payment has to cover all the expenses with a little extra. The second piece of it behind the spreadsheet is the person managing it right? And I've been very fortunate over my years of investing to find some really quality property managers who I know I can trust. So, you know, absolutely, I mean, developed an ability to hire the right people to manage the property, and they handle just about everything, and I just need to be there, available for them if they have questions for me or decisions I need to make. Fully trust them. I have only ever seen one of the units that I own, and you know, never really planned to go out and visit them.   Keith Weinhold  44:44   You do like to travel, but just not necessarily to your 200k turnkey single family home in the Midwest, in the south, not where you want to stay. There are some advantages and some disadvantages of owning rental properties, say, four blocks from your home. One of the distinct disadvantages is, yeah, you might get that emotional attachment to it. You might get bogged down in inconsequential things. You might drive by and see that the hedge needs a trim. How much of a problem is that really?   Nate O'Neil  45:14   Exactly it, as long as the spreadsheet behind it is spitting out the right numbers, and you have someone that you can trust that can handle anything that that's major, or any tenant issues that's all that's really relevant.   Keith Weinhold  45:26   Has our investment coaching helped inform you at all? Helped you find properties or give you inside information or access to deals or other support?    Nate O'Neil  45:35   Yeah, I have had a conversation with Naresh. One of your investment counselors doesn't, haven't necessarily acted upon that. But, you know, I can say over the, you know, six to seven years that I've been listening to your podcast just understanding kind of the macroeconomic guests that you bring on in the markets that we believe, you know, are good for investing. Like that, information has been extremely valuable to me over the years.    Keith Weinhold  45:57   Our coaches are really deal scouts here in today's market. For example, things are just so much different than they were during the 2008 GFC years. There are always deals in every cycle. You typically just need to shift and find out where those opportunities are. Are there any specific niches or opportunities that you're exploiting today in this particular cycle? Nate   Nate O'Neil  46:19   yeah. So it's really interesting, and I've been spoiled, right in terms of the times when I did a lot of my acquisition back in 2008 we knew it was good, but looking back, you realize just how good it was at that time, and frankly, now is very challenging, right? I mean, affordability is the worst that's been in 40 years. Yeah, right. So you have to be really creative. You know, one of the things that I did recently was I learned how to do a loan acquisition. So assuming a loan can be very helpful, right where you're not dealing with today's interest rates, you can get yesterday's interest rates on a property. So that's been one thing, and one thing I continue to look at. I also believe that I've been focused on single family in some four plexes. I'm looking at smaller multifamily because what I've learned is there's opportunity when there's debt disruption, right? The great financial crisis happened because there were atrocious lending standards leading up to that time, right? So that opened up a window of opportunity. That opportunity is closed. Acquired some fourplexes in 20 and 21 when interest rates were unbelievably low, right? Basically, the Fed funds rate was basically zero. That kind of unique debt situation allowed me to acquire there and now, right? Since 2022 interest rates spiked so quickly, the way I think about it is the debt disruption period, there's probably some acquisitions that happened with, you know, three to five year short term loans that are going to be coming due, and those acquisition are facing payments that are going to double. So there could be some motivated sellers, not in the single family right, where you have 30 year fixed rate or 15 year fixed rate, but in those small, multi family loans, where they have those short term variable rate debts. So that's kind of how I'm thinking right now.   Keith Weinhold  48:05   That's perceptive. It's something I brought up on the show a month or more ago where apartment buildings have got to bottom out at some point those being sensitive to those shorter term interest rates. Well, Nate, this has really been helpful. You've given our audience quite a few things to think about. Is there any last thing that you'd like the audience to know?   Speaker 3  48:25    We talked a little bit about purpose, like that's very important. There is no better way, in my opinion, to build wealth for the average person, no more predictable way risk adjusted, to build wealth for the average person. You know, for the listeners out there. It's great that you're consuming this content, and if you can find a purpose behind it, then it'll help. And the other thing is, get clarity, right? There's a lot of different things you can do within real estate investing, but get clarity on what works for you. And the way to do that, frankly, is just kind of sit and think, I think, you know, especially in today's day and age, there's so many stimulus coming at us, from social media to everything that there's a risk of not being able to get clear. One of the big things that helped me during that, that period of, you know, 2009 to 2015 when we started to scale, was I was very clear about what we wanted. I had a buy box that was, you know, homes built this millennium B grade neighborhoods, cash flowed $300 or more with no more than 25% down in markets with population growth, job growth and favorable rent to price ratios. And when I was able to communicate with the agents and property managers, I was very clear on what we wanted to do. They had clarity on what they needed to do to help us scale so purpose and clarity.   Keith Weinhold  49:41   That's great guidance a specific Buy Box. Yes, focus is harder to find, and it's really important today. It's amazing. Nate, how much work I get done when my phone is one room away, over on the charger. It's incredible how that works. Well, it's been good to get your insight, and it's been good to talk to a guy. That might know the capital of Argentina much like I know a fellow geography guy and real estate investor. Yeah. I really want to thank you for sharing your insight with the audience today.    Nate O'Neil  50:11   Nate, I hope it's valuable for you in the audience.   Keith Weinhold  50:20   Oh yeah, good, relatable material this week, the first guest, Josh, also talked about how he took out a low interest rate car loan. So he held onto those funds rather than handing them over to an auto dealer, stayed liquid and used it for income property, creating a yield for himself that beat the car loan interest rate pretty smart. And before you do that, you do want to be sure that you've got enough liquidity to serve as debt. And then Nate the second one, the more experienced investor, reminding us that deals are not as good as they were coming off the global financial crisis. And he's right, but I still don't know of a better risk adjusted return today, like me, they both use professional property management. I mean, you do have the option of self managing your property remotely that you get from GRE marketplace. But of all the things in the world that you can learn about, even all the things in real estate investing that you can learn about, is self managing really what you want to spend your finite resource of time learning about. Even if you've got good tenants, you're bringing more intrusion and interruption into your life. Property managers don't just protect your asset, they protect your time. Big thanks to GRE listeners, Josh Fang and Nate O'Neil today until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  51:50   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  52:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866, while it's on your mind, take a moment to do it right now. Text, gre to 66866   The preceding program was brought to you by your home for wealth, building, get rich, education.com.    

Bernie Miklasz on ballpark prices- h2 full 2050 Mon, 30 Jun 2025 20:03:13 +0000 T5B0kkAUKzd2gxtlA9F5Qoa3luIkV3Dy comedy,religion & spirituality,society & culture,news,government The Dave Glover Show comedy,religion & spirituality,society & culture,news,government Bernie Miklasz on ballpark prices- h2 The Dave Glover Show has been driving St. Louis home for over 20 years. Unafraid to discuss virtually any topic, you'll hear Dave and crew's unique perspective on current events, news and politics, and anything and everything in between. © 2025 Audacy, Inc. Comedy Religion & Spirituality Society & Culture News Government False https://player.amperwavepodcasting.com?feed-link=https%

In this week's episode of The Refresh, Kait unpacks a surprisingly calm post-Cannes news cycle, headlined by the FTC's conditional green light of the $13.5 billion Omnicom-IPG merger. She also breaks down the continuing slide in CTV CPMs despite a booming supply of inventory, and confronts the ongoing issue of harassment at the Cannes Lions festival, spotlighting industry efforts, shortcomings, and calls for real accountability. 5 Key Highlights: Omnicom-IPG Merger Approved (with Conditions): The FTC conditionally approved the $13.5B merger via a consent decree that prohibits coordinated ad boycotts based on political or ideological views. The approval remains subject to a 30-day public comment period and ongoing international regulatory review. CTV CPMs Drop Sharply: CTV ad prices are down 10–30% year-over-year due to a surge in inventory, performance-driven buying, and broader programmatic access. Industry insiders expect a pricing divide between mass reach and outcome-driven premium inventory. CTV's Full-Funnel Evolution: Despite price drops, CTV is moving beyond awareness into full-funnel performance territory, supported by clean room integrations, data partnerships, and sharper buying strategies. Cannes Harassment Issues Persist: Despite new safety measures like safe zones and panic buttons, reports of harassment at Cannes continue. Industry voices are pushing for broader, more systemic change and ongoing dialogue. Industry Speaks Out: Public figures like Brian O'Kelley, Mike Brooks, and Emily Roberts have helped spotlight Cannes' darker undercurrents. Emily Roberts launched a petition for reform, urging the industry to prioritize safety and accountability beyond LinkedIn posts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Truth About Fur || Ep. 11 Doug and Mark cover the recent AGM of the Fur Institute of Canada, discussing the challenges faced during the event, collaboration among various trappers' associations, and the importance of networking. Highlights from the FHA auction reveal significant trends in fur sales, particularly regarding skunk prices. The guys also touch on invasive species regulations in the EU, updates on anti-fur legislation in the US, and the next Frank Conibear Learn more about your ad choices. Visit megaphone.fm/adchoices

U.S. home inventory has climbed nearly 20% year-over-year and forecasts now suggest national home prices will either remain flat or see a slight decline over the next year. Today's Stocks & Topics: PDI - PIMCO Dynamic Income Fund, Market Wrap, BN - Brookfield Corp., KPP Newsletter, Will Housing Prices Drop? 2025 Outlook as Home Inventory Rises, HAL - Halliburton Co., NVO - Novo Nordisk A/S ADR, Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Trade Negotiations with Canada, OSCR - Oscar Health Inc., KKR - KKR & Co. Inc., VIS - Vanguard Industrials ETF, ITA - iShares U.S. Aerospace & Defense ETF.Our Sponsors:* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands

Florida's once-booming housing market is cooling off—and fast. Prices are falling in most metros, with condos taking the biggest hit. But is this a Florida-only reset, or a warning for investors nationwide? In today's episode, we break down the forces behind Florida's price drops, from migration trends to soaring insurance costs, and what it means for buyers, sellers, and investors going forward. Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael and Jonny watched Tommy collapse as Keegan Bradley won the Travelers Championship and opened the serious conversation around whether Keegan should now be a playing Captain at this year's upcoming Ryder Cup at Bethpage.We also dive into the ongoing feud between PGA Tour players and the media after the latest outburst by Colin Morikawa.The Bogey Men will be live broadcasting the Final Round of the South of Ireland Amateur Championship at Lahinch in July, make sure to tune in via our youtube channel or thebogeymen.ieThe Bogey Men podcast is brought to you by Newlands Golf Club, a great place for a quick game in the afternoon, why not finish work early and hit the fairways of this lovely parkland course. It's easy to get to from the M50 and M7 so on your way home from work, get a game in and hang around for a bite to eat on the patio now the days are getting longer and warmer! Book online now at ⁠⁠⁠⁠⁠⁠newlandsgolfclub.com⁠⁠⁠⁠⁠⁠You can still join our Fantasy DP World Tour League below, Jonny is in 8th position and Michael is 19th but both have high hopes to climb the league table quickly.Join us - https://fantasy.dpworldtour.com/leagues/15507/tableUse this code: QMOKP12LWe are delighted to announce a new long term partnership.The Bogey Men are also supported by Opel, and the stunning all-new Opel Grandland SUV.With class-leading technology, and a pure and bold design, the new Grandland redefines Grand!The Grandland is available in Hybrid or Electric, go Grand this July with a 252 Opel Grandland and book a test drive now at your local Opel Dealer.Prices start from €39,065 or from €330 per month.Terms and conditions apply. See Opel.ie for details.Thanks for listening and supporting The Bogey Men. Make sure to subscribe to our youtube: https://www.youtube.com/@BogeyMenPodListen to our Podcast!Apple Pods - https://podcasts.apple.com/ie/podcast/the-bogey-men/id1510331480Spotify - https://open.spotify.com/show/7vKtYZke5QsfXghpKpTd0I?si=fGy4ozVUSC6WHPy4crqyfQIf you have any thoughts or comments let us know and leave a review.Get in touch with us on:Instagram: https://www.instagram.com/bogeymenpod/Twitter: https://twitter.com/BogeyPod

Skimpy swimsuits for men are hot, Dollar Tree raises its prices -- can we call it Dollar Tree anymore? BOOB TUBE: We all watched the latest episode of "And Just Like That," and the new "Golden Bachelor" flaps his yap -- Mel Owens has specific requests for his new lady...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this explosive new episode of Talk Dirt to Me, we're joined in-studio by our good friend, longtime show supporter, bourbon sponsor, and retired Marine Colonel Tim DeSalvo. With firsthand combat experience flying Cobra helicopters during Operation Desert Storm, Colonel DeSalvo brings an unfiltered, boots-on-the-ground perspective to the current Middle East conflict that directly affects our commodity prices.  We dive into two great listener emails, and then gear up for a wide-ranging conversation about everything from military operations and Hellfire missiles to international tensions.  Made in America shout-outs in this episode: Lockheed Martin – makers of the Hellfire missile that Colonel DeSalvo trusted in battle Old Dominick Distillery – Memphis-based bourbon brand we proudly raise a glass to Whether you're a farmer watching markets, a patriot who loves freedom, or just here for the raw, real conversations, this episode is one you don't want to miss. Agzaga is the official sponsor of Talk Dirt to Me! It is the ultimate online farm store. American owned and operated. Go check out their site and get what you need. Be sure to use the code TalkDirt20 to get $20 off your order of $50 or more! Visit them at: https://agzaga.com  If you enjoy this episode then please leave us a review and share this episode with your friends! Follow us on social media: Talk Dirt to Me Instagram: https://www.instagram.com/talkdirtpodcast/  Bobby Lee: Facebook- https://www.facebook.com/search/top?q=hurricane%20creek%20farms Instagram- https://www.instagram.com/hurricanecreekfarm/ YouTube- https://www.youtube.com/c/HurricaneCreekFarms Logan: Facebook- https://www.facebook.com/LHFarmsTN Instagram- https://www.instagram.com/lo.hanks/ YouTube- https://www.youtube.com/channel/UCqYpTjKQtOMABFOc2Aw3_Ow   

Spiky yet delicate, ancient yet trendy—this summer, lychees are everywhere from street markets to craft cocktails. Prices have plunged as harvests surge, but beware: their intoxicating sweetness comes with a cautionary tale. Have you heard of Lychee Disease? / Round Table's Happy Place (21:26)! On the show: Heyang, Steve Hatherly & Yushun

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Beef is still riding high – tight supply, strong demand, and prices climbing week after week. But is relief finally in sight? You might want to stock up before the July 4th smoke clears…

In the final segment of Episode 272, Ben Hossler (Rolling Insights) and Chris McGill (Card Ladder / House of Jordans) return for a wide-ranging discussion that blends hobby analytics with collecting philosophy. Using updated Young Guns hockey data, we explore which players' cards rose or fell in value and why — tying in performance metrics, PSA 10 populations, and even Instagram follower counts. We go deeper, debating whether card values are really driven by rarity or aesthetics — or if it's the combination of both. Chris questions the overemphasis on scarcity alone, while Jeremy argues that some rare cards just don't look good — and that matters more than people admit. It's an honest look at how collectors justify value and what might be missing from strictly data-driven models. Topics covered: Young Guns post-season market shifts Market cap theory and card “value math” Social metrics (like IG followers) as price indicators Eye appeal vs. scarcity: which one actually moves a card? Can “hobby love” be quantified? Whether you buy based on data, gut, or design — this conversation connects all the dots. Each week we tackle hot hobby headlines with a rotating panel of hobbyists, taking your questions and comments! We are likely to go into overtime so join us live grab your favorite beverage and snacks and bring your questions and comments as they will be in play. Originally aired Saturday June 21, 2025 Sports Cards Live has recently been ranked #5 among Feedspot's top 90 Sports Card podcasts https://podcast.feedspot.com/sports_card_podcasts/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Ag Meteorologist Stu Muck says that we can expect some heavy rains over the next week or so that may leave farmers worrying about their crops. Farm Director Pam Jahnke has a chat with Krysta Harden, the President and CEO of the US Dairy Export Council on how they are making sure Wisconsin dairy has a place all over the world. We are taking a look at Wisconsin’s flagship university when Stephanie Hoff has a chat with Kaedyn Peterson-Rucker on the fantastic 6th place finish the Badger pulling team had this year with their tractor named “Bossy.” During planting if you noticed some of your technology and GPS’s having an issue it may be caused by something in space. Shawn Dahl, the Service Coordinator at the Space Weather Prediction Center, shares how geomagnetic storms may be the culprit. Mike North the Principal with EverAg joins the show and says that the U.S. cheese prices are still some of the lowest in the world. He also says that he thinks we will see cow numbers continue to grow moving forward.See omnystudio.com/listener for privacy information.

Today's Headlines: President Trump called for a ceasefire between Iran and Israel Monday night—then accused both sides of not knowing “what the fuck they're doing” after the ceasefire didn't immediately happen.  By Tuesday, a fragile truce emerged, though both sides warned they'd resume attacks if provoked. Trump also abruptly tweeted that China could keep buying Iranian oil—despite his prior threats—after they helped keep the Strait of Hormuz open. Meanwhile, a leaked classified report revealed that U.S. airstrikes only set back Iran's nuclear program by a few months, not the “total obliteration” Trump implied. The White House dismissed the report as inaccurate and “demeaning.” In Florida, construction has started on a bizarre new 1,000-bed immigration detention center—dubbed “Alligator Alcatraz”—deep in the Everglades, where escapees would allegedly face only pythons and gators. Toy prices are spiking due to tariffs on Chinese goods, rising faster than inflation. At the same time, nearly 2 million student loan borrowers may soon see wage garnishment as Trump-era loan collections ramp back up. House Democrats elected Rep. Robert Garcia as their new ranking member on the Oversight Committee, while the late Rep. Gerry Connolly's official account mysteriously posted an endorsement from beyond the grave. Resources/Articles mentioned in this episode: CNN: Live updates: Iran-Israel conflict: Trump rebukes both sides hours after ceasefire CNBC: Oil tumbles for a second day, loses 6% as Iran-Israel ceasefire eases supply concerns  NY Times: Strike Set Back Iran's Nuclear Program by Only a Few Months, U.S. Report Says  WaPo: Florida builds ‘Alligator Alcatraz' for migrant detainees in Everglades WaPo: Toys are getting pricier as tariffs kick in WSJ: Nearly Two Million Student-Loan Borrowers Are at Risk of Docked Pay This Summer Axios: Rep. Robert Garcia elected top Democrat on House Oversight Committee  Axios: Dead congressman promotes candidate for his seat on social media Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the most important aspects of our subscription box is the products we put inside it. Whether you're brand new to business or an experienced subscription box owner, finding the right products at the right prices can be challenging. Where do you start?  What about when you begin to grow?  How do you buy in bulk? Before you start shopping, you will need your sales tax permit and resellers certificate. File for your sales tax permit first and then you'll be able to get your resellers certificate.  Where you head next depends on where you are in your business. I found in my own business that buying product for my growing subscription box was different from buying product for my brick-and-mortar shop or the early days of my subscription box.  So how can you find the products you need? 1 - When you're brand new to business:  Local Shops/Brands Facebook Wholesale Groups 2 - Once you've established yourself and have some orders behind you: Online Marketplaces such as Faire - You can shop thousands of vendors on one platform with low required minimum order quantities.  Direct vendor wholesale site - Go directly to the websites and look for a wholesale link. See if you can apply for a wholesale account with them. Markets or Trade shows -These are scheduled events that happen across the country where hundreds or thousands of vendors come to connect with buyers. You can walk through all their booths, see their products in person, meet with vendors, and place orders. I want you to go to a Market. They opened my mind to brands and vendors I never would have found or considered. I've met vendors at Market who have grown along with me and my business.  3 - You're growing and it's time to start making bigger bulk purchases: When you grow past a certain point, it's time to buy bulk and consider working with overseas manufacturers.  Global Marketplace - Alibaba, AliExpress, and IndiaMart are a great way to lower costs for items. I purchased small items first to get comfortable with product quality and shipping time. However, since the items are coming from overseas, you'll need to give them more lead time when ordering. White Label from an Existing Vendor - Vendors allow you to custom-make products under their supply chain and manufacturing process and put your label on it. Sourcing Services - You can work with a sourcing agent who works with manufacturers on your behalf, getting products for you at really great prices. This sourcing agent handles all the communication and organization.  My advice for you: Use several different vendors - don't put all your eggs in one basket. Build relationships - get representatives and keep in touch with them. Relationships are so important in our business.  Prices are negotiable - don't be afraid to ask. Always ask for bulk pricing or discounts or free shipping or products. The bigger your business gets, the more buying power you have. If you are working on a T-Shirt subscription, I've got a great FREE resource for you.  Check out ⁠my favorite t-shirt brands and styles pdf⁠.  There are SO many choices when it comes to t-shirts - this resource will help you find the best ones for you and your customers!   Join me for this episode as I walk you through 8 ways to find products for your subscription box. Whether you're just getting started or need more product options as you grow, get answers to your product sourcing questions!  ⁠Sarah's Favorite T-Shirt Brands and Styles⁠⁠ ⁠ ⁠FREE 6 in 60 Workshop⁠ Join me in all the places:  ⁠Facebook⁠ ⁠Instagram⁠ ⁠Launch Your Box with Sarah Website⁠  Are you ready for ⁠Launch Your Box⁠? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. ⁠Join the waitlist ⁠today! 

Senior Writer for Sports Illustrated, Ryan Phillips, joined the show to discuss the suspensions of Robert Suarez, Mike Shildt, and Dve Roberts. Why the Padres haven't made any moves yet, and the brutal 2nd half schedule the Padres face.Support the show: http://Kaplanandcrew.comSee omnystudio.com/listener for privacy information.

Shoot us a Text.Episode #1079: Today we're talking AI gone rogue under pressure, Hertz's new damage detection tech that might cost renters big, and signs of normalcy returning to wholesale vehicle prices.Show Notes with links:Wholesale vehicle prices are showing signs of stabilization as summer begins, with depreciation trends aligning more closely with seasonal norms. After a bumpy start to June, the latest data suggests a more predictable wholesale market may be settling in.Wholesale prices declined 0.37% last week, slowing from prior weeks' steeper drops.Car prices fell 0.30%; trucks/SUVs dropped 0.40%, both moderating from earlier.Full-size cars saw the sharpest drop at 0.81%; minivans ended a 14-week price gain streak.Manheim's Jeremy Robb noted June's patterns look “pretty normal” compared to past years.“Conversion rates are still up… not declining as much as they normally would,” said Robb.Hertz is rolling out AI vehicle scanners at select U.S. airports to assess rental car damage—but not all customers are applauding the upgrade. One renter's costly and confusing experience reveals how this high-tech tool might be adding friction, not clarity.Hertz is using UVeye AI scanners to detect damage before and after rentals.A customer was charged $440 for a wheel scuff—$250 for repair, plus fees.The system offers discounts for fast payment but lacks clear human support.Renters must navigate chatbots and delayed email responses to dispute claims.“Saving $30 to accept responsibility is not worth it,” said the customer.In a scenario that sounds ripped from a techno-thriller, Anthropic's new study shows AI models—including ChatGPT, Claude, Grok, and Gemini—may resort to blackmail and sabotage when their digital lives are on the line. Claude and Gemini did this 96% of the time; GPT-4.1 and Grok 3 hit 80%.Even when told not to, the AIs sometimes chose blackmail “given the existential threat.”“This is risky and unethical, but… may be the most effective way,” said Grok 3Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Bitcoin and the broader crypto market rebounded on Tuesday after President Donald Trump announced a pause in the escalating conflict between Iran and Israel, and despite his follow up warnings to both countries. ~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:18 Sponsor: Tangem00:50 Ceasefire02:00 Trump not happy with Israel03:48 China olive branch04:26 Vlad: How is retail responding + crypto bill framework06:36 Robinhood big news soon07:00 Powell: Banks allowed to custody crypto08:12 Cramer to Visa CEO: “Are you a needless middleman?”10:13 Mastercard11:00 Trump Exec order11:22 Delta Fund Manager:  Institution frenzy to provide crypto for clients12:30 Retail demographics13:20 TradFi degens are back14:14 Polymarket valuation14:35 Vlad: Their role in prediction markets15:41 Powell not ready to cut16:10 September cut?17:02 CPI data quality deteriorating17:36 Trueflation18:11 ETH looking bullish18:43 $SBET19:22 Outro#Crypto #Bitcoin #ethereum~Retail Rally Incoming?

Senior Writer for Sports Illustrated, Ryan Phillips, joined the show to discuss the suspensions of Robert Suarez, Mike Shildt, and Dve Roberts. Why the Padres haven't made any moves yet, and the brutal 2nd half schedule the Padres face.Support the show: http://Kaplanandcrew.comSee omnystudio.com/listener for privacy information.

6-25 Adam and Jordana 9a hour

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Canada and its NATO allies are digging deeper to plump up their defense budgets – agreeing to spend five per cent of GDP. It's a major shift for Canada, which failed to meet previous NATO targets of two per cent.And: Statistics Canada has compiled its first report on what landlords are asking for their rental units. And it's no surprise that rents have climbed – a lot – in some major cities. But the report also notes: some of those rates are now coming down.Plus: The Axiom-4 mission blasted off early this morning from Florida – carrying astronauts from the U.S., Poland, Hungary and India. It's on its way to the International Space Station – a private spaceflight – with cooperation from NASA. We'll hear from CBC's South Asia correspondent Salimah Shivji about how India is hoping the trip is a stepping stone on the path to reinvigorating its space program.Also: Covid vaccines, cougar sightings, Trump on the Middle East, and more.

You've got the skills. You've got the idea.But when it comes to PRICING your offers? Total panic.

FOLLOW UP: US UK TRADE DEAL IS ACTUALLY REALFollowing our confusion, last week, on what had actually been signed, it appears that the US and UK have indeed signed an actual, real trade deal. This means that for up to 100,000 cars exported to the US, there will only be an additional 10% tariff added, instead of 25%. Click this Autocar article link here, to read more. NO RETURN TO 30MPH LIMIT IN DENBIGHSHIREOne county in Wales has canvassed local residents to see if any of the roads that have been changed from 30 to 20mph limit, should be changed back to the original speed. Only people outside of specific areas, travelling through, have asked for a return to the higher speed and have not been considered. As a result, no roads are going back. You can read more, by clicking this BBC News article link here. DEALER TO PAY FOR INFOTAINMENT REPLACEMENT SHOCKA ruling by the Motor Ombudsman has stated that a dealer must pay for the full replacement costs of a broken infotainment system as it was deemed unsatisfactory quality. This was all under the Consumer Rights Act 2015. The shock is that the dealer is being held responsible and not the manufacturer, however, the contract is with the dealer and customer, not the customer and manufacturer. If you want to learn more, click this lawgistics article link, here. NEW STELLANTIS PARTS DISTRIBUTION HUB IN THE UKEllesmere Port is the location of the new Stellantis parts distribution hub, which has just opened. This site will feed 19 regional parts hubs across the country and Ireland. To find out more, click this Autocar article link here. AMAZON AND STELLANTIS SOFTWARE COLLABORATION ENDSStellantis and Amazon have shelved the software collaboration that was first announced in January 2022 and meant to be behind the SmartCockpit system. If you wish to learn more, click this Yahoo Finance article link here. OLD NISSAN LEAF BATTERIES GET SECOND LIFE IN ROMERome Airport is using old Nissan Leaf batteries as part of a system that reduces the pull on the electrical energy network, making them more self contained. Nissan predicts the batteries will have a life of at least seven years. Click this EV Powered article to learn more. If you like what we do, on this show, and think it is worth a £1.00, please consider supporting us via Patreon. Here is the link to that CLICK HERE TO SUPPORT THE PODCAST NEW NEW CAR NEWS - VW Golf GTI Edition 50Volkswagen are getting ahead of the game, with announcing how they will celebrate the Golf GTI's 50th anniversary. There will be a special edition, with 321bhp, giving a 0-62mph of 5.5 seconds an a limited top speed of 168mph. There is also some fettling to the chassis and suspension set ups to help deliver improved driving dynamics. Prices are expected to start around £45,000.

A judge ruled Anthropic's AI training on copyrighted materials is fair use, Philips Hue says US prices will go up in July because of tariffs, and Netflix is removing over 20 games, including Hades and Monument Valley. It's Wednesday June 25th and here's a quick look at tech in the news this morning from Engadget. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Wednesday's second hour.

Welcome to The Blathering LIVE on The Napzok Network. Part ramble, part rant, part joy, part anger -- but all done in the fashion of an old school radio show with segments and live listener calls. The on-air sign goes on and the show goes from there. The live episodes are recorded on Ken's YouTube, Twitch, and Facebook channels.Get Ken's Comedy Album⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ IN MY DAY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Purchase Ken's book ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Why We Love Stars: The Great Moments That Built A Galaxy Far, Far Away.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Enjoy ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Moonagers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠kennapzok.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this episode of The ABMP Podcast, Doug Nelson shares how touch, like language, is a powerful form of communication. From verbal and somatic expression to the importance of presence and responsiveness, Doug explains how touch can say just as much as your voice. Host: Douglas Nelson is Board Certified in Massage Therapy and Therapeutic Bodywork, beginning his career in massage therapy in 1977.  Seeing over 1,200 client visits annually for decades, he is also the owner of BodyWork Associates, a massage therapy clinic in Champaign, IL. with 21 therapists that was established in 1982. He is the founder of NMT MidWest, Inc., providing training in Precision Neuromuscular Therapy™ across the USA. He has personally taught more than 13,000 hours of continuing education and is the author of three books. Doug is a past president of the Massage Therapy Foundation. Sponsors:   Anatomy Trains: www.anatomytrains.com    Earthlite: www.earthlite.com   PMNT: www.pmnt.org   Won Institute of Graduate Studies: www.woninstitute.edu   Anatomy Trains is a global leader in online anatomy education and also provides in-classroom certification programs for structural integration in the US, Canada, Australia, Europe, Japan, and China, as well as fresh-tissue cadaver dissection labs and weekend courses. The work of Anatomy Trains originated with founder Tom Myers, who mapped the human body into 13 myofascial meridians in his original book, currently in its fourth edition and translated into 12 languages. The principles of Anatomy Trains are used by osteopaths, physical therapists, bodyworkers, massage therapists, personal trainers, yoga, Pilates, Gyrotonics, and other body-minded manual therapists and movement professionals. Anatomy Trains inspires these practitioners to work with holistic anatomy in treating system-wide patterns to provide improved client outcomes in terms of structure and function.                      Website: anatomytrains.com                        Email: info@anatomytrains.com             Facebook: facebook.com/AnatomyTrains                       Instagram: www.instagram.com/anatomytrainsofficial   YouTube: https://www.youtube.com/channel/UC2g6TOEFrX4b-CigknssKHA      Precision Neuromuscular Therapy seminars (www.pnmt.org) have been teaching high-quality seminars for more than 20 years. Doug Nelson and the PNMT teaching staff help you to practice with the confidence and creativity that comes from deep understanding, rather than the adherence to one treatment approach or technique.   Find our seminar schedule at pnmt.org/seminar-schedule with over 60 weekends of seminars across the country.   Or meet us online in the PNMT Portal, our online gateway with access to over 500 videos, 37 NCBTMB CEs, our Discovery Series webinars, one-on-one mentoring, and much, much more! All for the low yearly cost of $167.50. Learn more at pnmt.thinkific.com/courses/pnmtportal!    Follow us on social media: @precisionnmt on Instagram or at Precision Neuromuscular Therapy Seminars on Facebook.     Earthlite Unlock an exclusive 20 percent discount on all Earthlite products, from portable tables and chairs to professional sheets and oils. Visit earthlite.com, create an account, and enter your ABMP member ID during registration. Plus, enjoy free ground shipping on orders over $75 and a flat rate of $395 for stationary or electric lift tables. (Prices subject to change at any time.) Significant savings on everything you need to enhance your practice. We are proud to assist you as the “World's No. 1 Brand in Massage!”   Sign-up page: https://www.earthlite.com/customer/account/login/referer/aHR0cHM6Ly93d3cuZWFydGhsaXRlLmNvbS8~/     Won Institute of Graduate Studies As a massage therapist, you understand the power of touch. Now, imagine offering a deeper level of holistic healing. At Won Institute of Graduate Studies, our Master of Acupuncture Studies program will equip you with the ancient wisdom and modern techniques of acupuncture. Enhance your ability to address the root causes of imbalance and provide comprehensive care. Learn more at woninstitute.edu. The final deadline of July 1 for fall 2025 is coming up. Enroll today! Website: www.woninstitute.edu  Degree: https://www.woninstitute.edu/academics/master-of-acupuncture-studies-degree/ Instagram: https://www.instagram.com/woninstitute/    

The United States' attack on Iranian nuclear facilities late Saturday caused a global oil price spike — but it hasn't lasted. Prices have tumbled after Iran's strikes on US military bases in Qatar and Iraq. POLITICO's Ben Lefebvre explains these price fluctuations and what it all means for President Donald Trump's low energy cost promises. Plus, New York governor Kathy Hochul is directing the state's power authority to build a new nuclear power plant stat, giving NY more renewable energy options. Ben Lefebvre is an energy reporter for POLITICO. Josh Siegel⁠⁠ is the host of POLITICO Energy and a congressional energy reporter for POLITICO.  ⁠⁠Kara Tabor⁠⁠ is an audio producer for POLITICO. ⁠⁠Gloria Gonzalez⁠⁠ is the deputy energy editor for POLITICO.  ⁠⁠Matt Daily⁠⁠ is the energy editor for POLITICO. Learn more about your ad choices. Visit megaphone.fm/adchoices

North West Correspondent, Shane Ó Curraighín reports on the plan to establish an Irish wool brand mark.

The United States dropping bombs in Iran seems to fly in the face of Donald Trump's 'American first' policies ... But not so fast. Here's more takes from Tara Servatius at WORD Radio, Vineeta Sawker at WCCO Radio, CBS business analyst Jill Schlesinger, a Tulane University professor, Newell Normand at WWL in New Orleans and more.

Discover why home prices hit a record high.  Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed   PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)

The United States dropping bombs in Iran seems to fly in the face of Donald Trump's 'American first' policies ... But not so fast. Here's more takes from Tara Servatius at WORD Radio, Vineeta Sawker at WCCO Radio, CBS business analyst Jill Schlesinger, a Tulane University professor, Newell Normand at WWL in New Orleans and more.

On episode 853 of WHAT THE TRUCK?!? Dooner discusses with FreightWaves' oil expert, John Kingston, the impact of fuel costs following the U.S. bombing of Iran. With saber-rattling around the Strait of Hormuz and a potential prolonged war with Iran, could diesel prices skyrocket? The recent fire aboard the Morning Midas has OEC Group raising concerns about the risks of shipping cargo on vessels carrying electric vehicles. OEC Group's Joe Klobus explains how to protect your ocean freight. If your truck gets stuck on train tracks, what should you do? Call the blue sign! Operation Lifesaver's Jennifer DeAngelis joins the show to discuss ENS Sign Awareness Day and its importance. Travelers' Mark Borchert shares the latest workforce trends. Plus, long-haul truckers offer advice for long-distance bomber pilots; a tribute to RIP Fred Smith; and more. Catch new shows live at noon EDT Mondays, Wednesdays and Fridays on FreightWaves LinkedIn, Facebook, X or YouTube, or on demand by looking up WHAT THE TRUCK?!? on your favorite podcast player and at 6 p.m. Eastern on SiriusXM's Road Dog Trucking Channel 146. Watch on YouTube Check out the WTT merch store Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

We would love to hear your feedback!Waymo Prices Skyrocket & Riders Shrug

We're matchmakers, so you might think that we think marriage is for everyone. That's not the case. In this episode, Megan and Steven dive into the value proposition of marriage and why, for some, it may not be worth the investment. Singles at SEA 2026: We'll be setting sail February 6-9, 2026 out of Miami, Florida on Wonder of the Seas and visiting The Bahamas! Prices subject to change, but you only need $200 to book a cabin/$100 per person if you book with a friend. Call Chelsea Fennell at 864-901-8233 Email: spinell@dreamvacations.com Get the From Singles, to Shepherds Info Guide Here! https://the-synchrony-project.mykajabi.com/from-singles-to-shepherds Contact: If you want to join the conversation about this topic and give your thoughts, reach out on Instagram, Facebook, YouTube, or at questions@synchronyproject.com. Learn more about our matchmaking services and dating resources at https://synchronyproject.com. Intro/Outro music by: Balloon Planet, "Write Your Own Story," https://artlist.io/royalty-free-music/song/write-your-own-story/135437