Podcasts about prices

Prices are about to hyper inflate. Stock up!E-Zonehttp://flavorsbyezone.comXGhttp://fullytoxic.comChicletshttps://www.instagram.com/chiclets_los.angeles/

Stew tears apart the fake pretext for Trump's war on Iran – a blatant Zionist conquest funded by AIPAC and the Rothschild banking cabal headquartered in the crime state of Israel. From bombing Iranian schoolgirls to sacrificing Gen Z soldiers at Mar-a-Lago parties, this isn't America First; it's Israel First, orchestrated by Jewish blackmail operations and satanic elites who rape sovereignty and kids alike. Max Igan drops the bomb: These Jew-controlled pedovore monsters have welded America and Israel into a demonic genocide factory—sniping Red Crescent ambulances, unloading 900+ rounds into helpless medics and survivors, then finishing the job execution-style. Pure Tribe barbarism! This is the Greater Israel blueprint: Mass-murdering Arab kids, bulldozing cities into dust, and erecting swanky resorts plus their filthy Third Temple for ritual child sacrifices atop pyramids of goy bones.

AI has reawakened interest in nuclear energy, but rebooting America's nuclear age will take time and face challenges. Get your tickets to OPNEXT 2026 before prices increase! Join us on April 16 in NYC for technical discussions, investor talks, and intimate conversation with the brightest minds in Bitcoin. Welcome back to The Blockspace Podcast! Today, Dr. Hashem Hashemian, President of the American Nuclear Society and CEO of AMS, joins us to talk about the massive resurgence of nuclear energy in the United States. We dive into the shift from decommissioning plants to life-extensions of up to 100 years, the economic impact of AI and data centers on power demand, and the $12 billion investment flowing into Tennessee's nuclear hub. Dr. Hashemian explains why nuclear fell out of favor and the challenges the industry faces as it gets back on its feet. Subscribe to the newsletter! https://newsletter.blockspacemedia.com Notes: * 94 nuclear plants produce 20% of US power. * License extensions aim for 100-year lifespans. * $12B committed for nuclear fuel refining in Oak Ridge. * $100M Tennessee state funding for nuclear dev. * Global nuclear must triple for climate goals. * $1.7B Oklo recycling plant coming to Tennessee. Timestamps: 00:00 Start 05:51 Tennessee represent 07:56 State of the nuclear industry 10:42 Nuclear faded in USA 17:19 Barriers to Nuclear development 20:12 Reforming the Nuclear Regulatory Commission 27:01 Red tape 29:47 What other policies would be good? 32:41 China copying 34:17 Remaining chokepoints 38:05 States leading the charge 40:46 Are SMRs really a thing? 44:18 Why are SMRs taking so long? 46:21 Fusion? Are we still talking about this? 48:56 Recycling fuel

Oil prices are surging following this weekend's US and Israeli strikes on Iran. Fears mount that the conflict could drag on for weeks. Compounding that concern are reports that Iran is moving to restrict passage in the Strait of Hormuz—the world's most critical oil export route. a prolonged blockade – and the potential targeting of oil facilities -- could create a severe global supply crunch. The destabilization of the region is also impacting other industries, including travel and banking. Meanwhile, gold and the dollar bounced as investors moved to safety, fearing the military operation could be prolonged. FOX Business Network's Taylor speaks with her Big Money Show co-host Jackie DeAngelis about how Operation Epic Fury has the oil markets on edge, and what it could mean for gas prices in the coming weeks and months. 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.

Fighting widens as U.S. and Israeli warplanes pound Iran. Iran and its proxies hit back, leading to a spiraling expansion. We’re following a rapidly expanding Middle East conflict with a close eye on the implications for Texas. UT international affairs expert Jeremi Suri answers some of the critical questions right now.Also, we'll have a warning […] The post Iran strikes stoke fears of wider war, impact on energy prices appeared first on KUT & KUTX Studios -- Podcasts.

Frankie Stocks sat in for me and dropped truth bombs with Mindy Robinson on the real invasion happening inside your body – parasites and heavy metals from tainted food, water, root canals, and Big Pharma poison are wrecking immune systems, causing cancer, arthritis, acne, and chronic disease while the Rockefeller medical cartel keeps you sick for profit.

On the latest Blockspace roundup, the gang cover's Block's 40% workforce reduction and our scoop that Magic Eden is quitting the Bitcoin and Ethereum NFT game. Get your tickets to OPNEXT 2026 before prices increase! Join us on April 16 in NYC for technical discussions, investor talks, and intimate conversation with the brightest minds in Bitcoin. Welcome back to The Blockspace Podcast! Today, Charlie and Colin cover the Block's 40% workforce reduction and why the stock ripped 20% on the news. We also dive into the bitcoin mining conditions that are driving hashprice to all-time lows, Blockspace's scoop that Magic Eden is sunsetting its Bitcoin Ordinals marketplace, MARA's latest AI partnership, and the Terra/Luna lawsuit against Jane Street. Plus, Luxor's Michael San Miguel joins the show to discuss the ins and outs of the GPU market.  Subscribe to the newsletter! https://newsletter.blockspacemedia.com Notes: * Block laid off 40% of its 10,000 employees. * Block stock surged 20% after the layoff news. * Bitcoin hash price hit an all-time low of $28. * Bitcoin difficulty adjusted upward by 14.73%. * Magic Eden is shutting down BTC and ETH marketplaces, multi-chain wallet * Bitdeer sold all its bitcoin; Cipher plans to sell its bitcoin in 2026 * MARA forms partnership with data center developer Starwood Timestamps: 00:00 Start 03:33 Hashrate update via Luxor's Hashrate Index 09:29 Block lays off 40% of staff 16:37 Magic Eden shutting down 25:54 GPUs & compute 28:03 GPU vs ASIC complexity 29:04 Upgrading hardware 32:16 Finding a compute buyer 34:00 Powershell vs Neocloud 37:12 Compute still in price discovery mode 42:05 MARA earnings 45:20 CIPHER dumping bags 48:44 Jane Street is the new boogyman 59:34 Everyone's short MSTR

Stew breaks down Florida HB 945 — the bill creating a full Statewide Counterintelligence and Counterterrorism Unit inside FDLE. This is COINTELPRO + MKUltra + Unit 8200 + Noahide enforcement rolled into one, tested on Palestinians first, now being rolled out on Americans.

Tether has quietly become the largest bitcoin miners in the world, and Elektron manages 50 EH/s of the stablecoin issuer's fleet. Get your tickets to OPNEXT 2026 before prices increase! Join us on April 16 in NYC for technical discussions, investor talks, and intimate conversation with the brightest minds in Bitcoin. Welcome back to The Blockspace Podcast! Today, Rapha Zagury, CEO of Elektron, joins us to talk about the company's management of Tether's massive 50 EH/s bitcoin mining portfolio. Rapha breaks down Elektron and Tether's partnership, the incipient market bifurcation between AI/HPC and Bitcoin mining, and why he believes progress is directly correlated with energy use. We dive into the legal origins of Elektron, the company's global footprint across 32 sites, and the future of mining as Tether and Elektron double down on hashrate while the rest of the industry eyes AI. Subscribe to the newsletter! https://newsletter.blockspacemedia.com Notes: * Tether runs 50 EH/s with Elektron * Greenfield sites trading at $1/MW amid AI boom * Elektron manages ~200,000 ASICs globally * Operations span 32 sites across 5 countries * AI and BTC Mining bifurcation expected in 6 to 12 months Timestamps: 00:00 Start 05:31 BTC market crash 07:59 Who is Rapha? 11:16 What is Elektron? 14:46 Swan & Tether legal struggle 18:00 Asset light build out plan 23:20 Business setup 25:05 Why mine? 33:18 Hashrate geographic distribution 38:54 Bad places to mine BTC? 40:50 AI & HPC 48:56 3.8% staff costs 52:11 Hashrate growth 57:28 There's ALWAYS stranded energy 59:44 Elektron IPO?

On this week's show Braden is on vacation but don't worry! We still have a show for you. Ara reads your emails and takes a look at the week's news. He also takes a look at an article in CNET that claims: The LG Evo AI G5 OLED is the new standard for TVs. News: Amazon is finally rolling out some much-needed upgrades to Fire TV New TV before 'RAMageddon'? Prices expected to rise Others: Take Over Tuesday: Featuring Buzz Schneider of the 1980 Miracle Team 1980miraclemonument.org Home Theater Geeks: Sacramento Sanctuary  Sacramento Sanctuary - Home Theater of the Month Interview! The LG Evo AI G5 OLED the New Standard for TV OLED TVs have consistently delivered the best picture quality in our head-to-head tests -- with the best shadow detail, contrast, color and black levels. Yet, there is one thing LCD-based TVs have always done better: sheer brightness. That is, until the 2025 LG G5 came along. Finally, OLED can reclaim its place at the top of the TV technology leader board with a model that performs brilliantly in almost every single respect. Maybe the forthcoming LG G6 will be even better? Full article here…  PROS Highest brightness of any OLED TV yet  Stunning image quality  Best color accuracy of every TV in 2025  CONS Brightness boost not visible in all content  Remote is not as good as previous versions  Expensive

On this week's Poll Hub: After a historically long State of the Union this week, we're asking if President Trump helped himself as new polling captures how lousy Americans are feeling about Trump's priorities and the direction of his administration. Disapproval remains a key part of the story, but the data goes deeper, highlighting where the public sees alignment, where there's frustration, and how these views differ across political and demographic groups. In the second segment, we turn to an issue that helps drive those gloomy polls: grocery prices. Even as grocery inflation has calmed a bit, price increases since 2000 are still shaping how people shop and spend. From cutting back on certain items to seeking out deals and changing routines, Americans are making adjustments in real time. We explore what the latest data says about these behaviors and what they signal about consumer confidence and economic outlook. And, for our fun fact... would you dine in the dark? Americans don't seem inclined to dabble in this type of restaurant experience. Listen to the full episode: maristpoll.com/podcast

Oklahoma land broker Dillon Smith returns to The National Land Podcast for a boots-on-the-ground update on the western Oklahoma land market — and delivers the kind of straight talk that only comes from an agent who's actually closing deals. Based in Kingfisher, Dillon breaks down exactly what's moving and what's sitting: cattle pasture is gaining value on the back of a red-hot beef market, wheat ground is softening as input costs outpace grain prices, and recreational hunting land is holding steady for the right tracts in the right spots. The central theme of this episode is pricing discipline. Dillon explains why overpriced listings are stalling out across the board, how he handles the hard conversation with sellers who bought at peak prices and now expect peak returns, and why he believes western Oklahoma has shifted into a buyer's market — where pricing correctly isn't optional, it's the whole ballgame. He also digs into highest-and-best-use analysis, water access as a rising factor in land value near Oklahoma City's suburbs, and the land improvements (ponds, fences, access roads) that are actually moving the needle for sellers. Whether you're buying, selling, or holding farmland, ranch ground, or hunting property in Oklahoma or anywhere in the rural Midwest, Dillon's practical advice on market timing, seller expectations, and broker pricing opinions is the kind of insight that helps you make better land decisions.   Talk to Dillon Smith https://nationalland.com/real-estate-agent/dillon-smith   Visit National Land Realty https://www.nationalland.com

Hour 1 of Jake & Ben on February 27, 2026 The Utah Jazz lost to New Orleans last night with Kyle Filipowski starting at Center and a lot of people wnat to criticize his performance. Is he even a Center in the NBA or is he out of position?  Top 3 Stories of the Day: BYU Football begins Spring Practice today, Details on the controversial Lauri Markkanen injury, Utah Mammoth host the Minnesota Wild tonight.  Some of FIFA's prices for the World Cup are coming out and good luck trying to get to anything. 

Production is steady. Prices dipped. But nearly 5 million birds are gone – and migration season is just getting started.BEEF: Harvest rose to 541K head, but we're still running well behind last year. Middle meats are inching higher, especially strips, while chucks soften and grinds slip again (for now). Production isn't growing. Plan accordingly.POULTRY: Production is up 2% year over year, but the early-year price run just stalled. Wings, breasts, and tenders dipped slightly. Meanwhile, avian flu hit hard again, and spring migration could make things interesting.GRAINS: Soy oil is moving higher for a second straight week, surprising given the supply. Corn slipped back, wheat flat. Right now, soy has the spotlight.PORK: Bellies climbed again to $138 and still look headed higher. The rest of the complex is steady and balanced. Nothing dramatic… yet.DAIRY: Dairy has direction. Block jumped, butter keeps recovering, barrel ticking up. Momentum is building.Savalfoods.com | Find us on Social Media: Instagram, Facebook, YouTube, Twitter, LinkedIn

New Zealand GDT prices for major dairy products are up anywhere from 17% to 32% since December while New Zealand milk production is running strong, what is driving this rally?

Simon Constable reports on skyrocketing copper and silver prices alongside the arrest of Lord Mandelson for allegedly passing privileged state information to Jeffrey Epstein. 5.1907

Trump's State of the Union was the con job of the century: lies about "ending wars" and "securing the border" while drowning in Israeli money and Tel Aviv orders. This wasn't leadership — it was a victory lap for the foreign occupiers who control both parties. Until we drag these traitors out by the neck, America remains occupied and enslaved. Stacy Langton joins Stew to blow the lid off the Zionist Occupied Government's latest assault on American patriots in Fairfax County, Virginia.

Our Global Commodities Strategist Martijn Rats discusses the geopolitical drivers behind the recent spike in oil prices and outlines four Iran scenarios.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Martijn Rats, Morgan Stanley's Global Commodities Strategist.Today – what's fueling the latest oil market rally.It's Thursday, February 26th, at 3pm in London.What happens when oil prices jump, even though there's no actual shortage of oil? That's the situation we're in right now. Tensions between the U.S. and Iran have escalated again. Naturally, markets are paying attention.Over the past week, Brent crude rose about $3 to around $72 per barrel. WTI climbed into the mid-$60s. Shipping costs surged. And traders have started paying a premium for protection against a sudden oil spike – the levels we haven't seen since the early days of the Ukrainian invasion.But here's the key point: there's no clear evidence that global oil supply has tightened. Exports are still flowing. Tankers are still moving. And some near-term indicators of physical tightness have actually softened. When oil is truly scarce, buyers scramble for immediate barrels and short-term prices spike relative to future delivery. Instead, those spreads have narrowed, and physical premiums have eased.This isn't a supply shock. It's a risk premium. In simple terms, investors are buying insurance. So what could happen next? We see four broad scenarios.Before I outline them though, here's something we do not see as a core case: a prolonged closure of the Strait of Hormuz. Roughly 15 million barrels per day of crude and another 5 million of refined product moves through that corridor. A sustained shutdown would be enormously disruptive. But we think the probability is very low.Now coming back to our four scenarios. The first is straightforward. A negotiated settlement; conflict is avoided. Iranian exports continue and shipping lanes remain open. In that scenario, what unwinds is the geopolitical risk premium – which we estimate at roughly $7 to $9 per barrel. If that fades, Brent could drift back to the low-to-mid $60s, similar to past episodes where prices spiked on fear and then retraced once supply proves unaffected.Second, we could see short-lived frictions – shipping delays, higher insurance costs, temporary logistical issues. That might remove a few hundred thousand barrels per day for, say, a few weeks.. Prices could briefly spike into the $75–80 range. But balancing forces would kick in relatively quickly. For example, China has been building inventories at a steady pace. At higher prices, that stockbuilding would likely slow, helping offset temporary disruptions. That points to some further upside in prices – but then normalization.The third scenario is more serious, but still contained: localized export losses of perhaps 1 to 1.5 million barrels per day for a month or two. Prices would stay elevated longer, but spare capacity and demand adjustments could eventually stabilize the market.Now our last scenario is the more serious and considers a potential shipping shock. The real risk here isn't wells shutting down – it's shipping disruption. Global trade of crude oil depends on efficient tanker movement. If transit times were extended even modestly, effective shipping capacity could fall sharply, creating what amounts to a temporary tightening of about 2 to 3 million barrels per day – or about 6 percent of global seaborne supply. That is a logistics shock, not a production outage – but it would push prices toward early-2022-type levels, at least briefly.Now let's zoom out. Beyond geopolitics, the fundamentals look weak. OPEC+ supply is rising, and our forecasts show a sizable surplus building in 2026. Even if some of that oil ends up in China's stockpiles, a lot would still likely flow into core OECD inventories. Historically, when the market looks like this, prices tend to fall, not rise.Which brings us back to the central point. Oil isn't rallying because the world has run out of barrels. It's rallying because markets are pricing geopolitical risk. And unless that risk turns into actual, sustained disruption, insurance premiums tend to expire.Thank you for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.This podcast references jurisdiction(s) or person(s) which may be the subject of economic sanctions. Readers are solely responsible for ensuring that their investment activities are carried out in compliance with applicable laws.

Can you help me make more podcasts? Consider supporting me on Patreon as the service is 100% funded by you: https://EVne.ws/patreon You can read all the latest news on the blog here: https://EVne.ws/blog Subscribe for free and listen to the podcast on audio platforms:➤ Apple: https://EVne.ws/apple➤ YouTube Music: https://EVne.ws/youtubemusic➤ Spotify: https://EVne.ws/spotify➤ TuneIn: https://EVne.ws/tunein➤ iHeart: https://EVne.ws/iheart EV LIST PRICES FALL AS ICE PRICES RISE https://evne.ws/3N5yDWO FORD TEASES EUROPE CAR RETURN AFTER FIESTA, FOCUS https://evne.ws/4sfsNRR UBER EXPANDS EV RIDES ACROSS EIGHT UK CITIES https://evne.ws/3MLA38U BMW TALKS PRICE FLOOR TO DODGE EU MINI DUTY https://evne.ws/4b8k65U EU CITY BUS SALES HIT 60% ZERO-EMISSION https://evne.ws/3MJ641m MG2 SET FOR 2027 UK LAUNCH AT £20,000 https://evne.ws/3N2PzNJ MG CONFIRMS MGS9 PHEV SEVEN-SEATER FOR UK https://evne.ws/4rtXGlm AUSTRALIA NVES DATA SHOWS HYBRIDS DO THE HEAVY LIFT https://evne.ws/4cUNvlg LECTRON ADAPTERS WIN UL 2252 SAFETY CERTIFICATION https://evne.ws/4r159r7

It's EV News Briefly for Thursday 26 February 2026, everything you need to know in less than 5 minutes if you haven't got time for the full show.Patreon supporters fund this show, get the episodes ad free, as soon as they're ready and are part of the EV News Daily Community. You can be like them by clicking here: https://www.patreon.com/EVNewsDaily EV LIST PRICES FALL AS GAS GUZZLER PRICES RISENew EV list prices (excluding Tesla) dropped 2.3%, or roughly $1,500, from an average of $63,327 in September 2025 to $61,860 in January 2026, while average new gas-powered vehicle prices rose 2.5% to $47,427 over the same period. The sharpest cuts came after the federal EV tax credit expired, with the Hyundai IONIQ 5 leading the slide at a 13.8% drop of over $7,000, followed by the Chevrolet Equinox EV at nearly $4,000 off — six models in total posted drops above 5%. FORD TEASES EUROPE CAR RETURN AFTER FIESTA, FOCUSFord CEO Jim Farley used the Q4 2025 earnings call to signal "exciting plans" for passenger cars in Europe, framing the comeback as a selective, profitable return to specific segments rather than a volume land grab. Two new EVs built on Renault's Ampere platform are expected in the subcompact segment from the Ford–Renault partnership, with new passenger cars set to start arriving in 2027 under a new dedicated Europe passenger-car leadership role. UBER EXPANDS EV RIDES ACROSS EIGHT UK CITIESUber has rolled out its EV ride option to eight more UK cities — Birmingham, Manchester, Leeds, Sheffield, Edinburgh, Cambridge, Belfast and Merseyside — at standard UberX prices, after falling short of its pledge to run an all-electric London fleet by end-2025. Only 40% of London miles are now covered by EVs, with UK General Manager Andrew Brem citing charging access as "the biggest barrier," prompting Uber to announce driver support measures including discounted home and public charging in partnership with Pod Point. BMW TALKS PRICE FLOOR TO DODGE EU MINI DUTYBMW and the European Commission are in advanced talks to replace the EU's 20.7% countervailing duty on China-made Mini BEVs with a minimum import price agreement, according to Handelsblatt — covering the Mini Cooper Electric and Mini Aceman, both built at BMW's Zhangjiagang joint venture with Great Wall Motor. The approach would mirror the "price undertaking" the EU accepted from Volkswagen Anhui in early February, which freed the Cupra Tavascan from countervailing duties in exchange for a confidential price floor, volume cap and EU investment commitments. EU CITY BUS SALES HIT 60% ZERO-EMISSIONSix in ten new city buses registered across the EU in 2025 were zero-emission — 56% battery-electric and 4% fuel cell — a dramatic jump from just 12% when the Clean Vehicles Directive was adopted in 2019. Five member states hit 100% zero-emission city bus sales in 2025 (Bulgaria, Denmark, Estonia, Latvia and Slovenia), and Transport & Environment says a fully zero-emission EU city bus market is achievable as early as 2028.​MG2 SET FOR 2027 UK LAUNCH AT £20,000MG will enter the electric supermini segment in 2027 with the all-new MG2, targeting a starting price of around £20,000 (~$25,200), to take on rivals including the Renault 5, Citroën e-C3, Fiat Grande Panda and the incoming VW ID. Polo. The car will use the newer E3 architecture from the MG4 Urban, run front-wheel drive with a torsion-beam rear axle for cost efficiency, and feature a 12.8-inch touchscreen with physical climate controls — a reveal is expected in the second half of 2026. MG CONFIRMS MGS9 PHEV SEVEN-SEATER FOR UKMG will launch the MGS9 plug-in hybrid SUV in the UK later in 2026 as its new flagship, offering three full adult-sized rows and targeting rivals such as the Peugeot 5008, Kia Sorento and Skoda Kodiaq at a value-led price point. The model already holds a five-star Euro NCAP rating and could reach UK showrooms as early as summer 2026, extending MG's line-up to 11 models. AUSTRALIA NVES DATA SHOWS HYBRIDS DO THE HEAVY LIFTAustralia's National Vehicle Emissions Standard published its first half-year performance data (July–December 2025), showing EVs made up roughly 12% of new vehicles supplied, with about two-thirds of manufacturers — including BYD and Polestar — meeting their fleet-wide emissions targets. Petrol- and hybrid-focused brands such as Mazda and Hyundai fell short and face penalties if they don't improve, while the data reveals that near-term emissions gains are leaning more on efficient hybrids than on full EVs. LECTRON ADAPTERS WIN UL 2252 SAFETY CERTIFICATIONLectron has earned UL 2252 safety certification across its full range of EV charging adapters — covering J3400, CCS1 and J1772 in both AC and DC variants — with its two DC adapters handling up to 500 amps at 1,000 volts for peak power of 500 kW, and built-in thermal sensors that trigger derating if heat rises during fast charging. The certification comes as the North American charging landscape remains split between NACS and CCS1 on DC networks and J1772 on AC infrastructure, making a certified bridging adapter an increasingly essential tool for EV drivers navigating the transition.

Raising your prices doesn't have to feel scary — it just has to feel strategic. Head to kimberlybrock.com to read the full breakdown of all 7 tips covered in this episode!

Today's episode is a listener-requested random show, and it's a good one. A longtime LUL listener asked us to talk about friendships that just work and the ones that don't. We get into friendship chemistry, why some connections feel effortless, and how to trust yourself when the vibe feels off. Not every friendship is meant to stick, and that's okay. Closing out Galentine's month with honest conversation, laughs, and a little girl talk! Plus... don't miss your last chance to join LUL's 5-week group coaching collective. Virtual doors open on Wed. 3/4! Prices go up after this week, so sign up today! LevelUpLatina.com has all the info!   

Ep 248 | The White House signed an executive order to quadruple beef imports from Argentina, but not everyone is happy about it. Our question is, does this actually help (or hurt) anyone? This week on Discover Ag, Natalie and Tara break down the latest U.S. beef controversy, Tyson's $48 million settlement for manipulating the price of pork (who's shocked?), and Beyond Meat's newest venture into the protein craze. They also get excited about the new Farmer Wants a Wife cast and a viral reel of orange season in Valencia, Spain. What We Discovered This Week

WWW.ADVENTUREFREAKSSS.COM Find your Ideal Destination Here: https://adventurefreaksss.com/ideal-destination-finder/ ================================= How to work with me: =================================

Episode Overview Groceries are expensive and pretending otherwise doesn't help anyone. In this episode, Annie and Jen talk about what's actually happening with food prices in the US and Canada, why it's impacting how families shop, and how to make supportive, realistic choices when money is a real constraint. They break down the shift many of us are making from "what's the healthiest option?" to "what's worth it, won't go to waste, and works in real life"—and share the simple, repeatable systems they use to meal plan, reduce impulse spending, and keep meals balanced without turning health into a luxury hobby. If you like what you hear in this episode, don't miss your chance to join us when we open enrollment to join Balance365! Add your name to our obligation-free waitlist, and we will waive the $199 registration fee. Click here to learn more. Key Points Why "optimize everything" isn't the goal (and how to choose smart trade-offs without guilt) The non-negotiable nutrition basics that matter most when budgets are tight How to build a repeatable grocery + meal plan system that survives busy weeks Essentials vs. "extras": spotting food marketing, shrinkflation, and unnecessary upgrades

0:00 Intro - Seth Rollins Curse & CM Punk Promo1:05 Vince McMahon Saudi Buyback Rumors5:45 Price Gouging & WrestleMania Tickets9:55 Bronson Reed Injury & Learning Limitations15:31 The Vision Falling Apart22:30 Brock Lesnar Emergency Break Glass29:00 Atlanta Crowd Dead All Night38:25 AJ Styles Tribute Show & Missing Kurt Angle48:25 Jade Cargill Standing Around1:00:45 Prices vs Quality Debate1:18:45 The Last WrestleMania Theory1:24:15 WrestleMania 18 Ticket Prices Comparison1:29:05 Too Big To Fail ProblemBecome a supporter of this podcast: https://www.spreaker.com/podcast/wrestling-soup--1425249/support.

Trump mocks affordability, makes false claims about prices To listen to this show and other MS podcasts without ads, sign up for MS NOW Premium on Apple Podcasts. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Prices are about to hyper inflate. Stock up!E-Zonehttp://flavorsbyezone.comNitty Sakhttp://instagram.com/nittysakChicletshttps://www.instagram.com/chiclets_los.angeles/

A round-up of the main headlines in Sweden on February 25th 2026. You can hear more reports on our homepage www.radiosweden.se, or in the app Sveriges Radio. Presenter: Michael Walsh.Producer: Kris Boswell.

Advertising SponsorThis episode is brought to you by The Honduran Coffee Alliance, connecting Honduran coffee producers with global buyers in a fair, sustainable, and commercially viable way.WhatsApp: https://wa.me/50487350786Email: sean@hondurancoffeealliance.comEpisode DescriptionThis is Part 3 of a five-part series, The Reality of Being a Smallholder Coffee Farmer in Volatility, with Ana Donneys from Cafe Primitivo in Colombia.In this episode, we examine what “high prices” actually mean at farm level.After experiencing yield reduction, rising input costs, currency devaluation, and increasing financial pressure, Ana explains that recent price levels have not translated into meaningful profitability. For many producers, these prices have barely covered cost of production.We explore the role of currency exchange in shaping margins, including how contracts signed in US dollars interact with expenses paid in Colombian pesos. We also discuss the hidden costs of marketing, trade shows, and relationship-building — investments producers must make to sustain direct trade relationships.The conversation widens into financial market mechanics. Coffee futures pricing is influenced not only by supply and demand fundamentals, but also by hedge fund positioning, margin calls, currency trades, and macroeconomic forces unrelated to farm production. These second-order financial effects can push prices down even when physical coffee remains scarce.For smallholder farmers, these shifts are not abstract. They create uncertainty in planning, cash flow pressure, and concern about long-term viability.Ana closes this episode by stating clearly: these are not high prices. They are prices that barely cover cost.If we do not separate financial market volatility from farm-level economics, we risk misunderstanding what sustainability truly requires.Guest linksInstagram: https://www.instagram.com/cafeprimitivo/Website: https://www.cafeprimitivocolombia.com/LinkedIn: https://www.linkedin.com/in/anadonneys/***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org

Advertising SponsorThis episode is brought to you by The Honduran Coffee Alliance, connecting Honduran coffee producers with global buyers in a fair, sustainable, and commercially viable way.WhatsApp: https://wa.me/50487350786Email: sean@hondurancoffeealliance.comEpisode DescriptionThis is Part 3 of a five-part series, The Reality of Being a Smallholder Coffee Farmer in Volatility, with Ana Donneys from Cafe Primitivo in Colombia.In this episode, we examine what “high prices” actually mean at farm level.After experiencing yield reduction, rising input costs, currency devaluation, and increasing financial pressure, Ana explains that recent price levels have not translated into meaningful profitability. For many producers, these prices have barely covered cost of production.We explore the role of currency exchange in shaping margins, including how contracts signed in US dollars interact with expenses paid in Colombian pesos. We also discuss the hidden costs of marketing, trade shows, and relationship-building — investments producers must make to sustain direct trade relationships.The conversation widens into financial market mechanics. Coffee futures pricing is influenced not only by supply and demand fundamentals, but also by hedge fund positioning, margin calls, currency trades, and macroeconomic forces unrelated to farm production. These second-order financial effects can push prices down even when physical coffee remains scarce.For smallholder farmers, these shifts are not abstract. They create uncertainty in planning, cash flow pressure, and concern about long-term viability.Ana closes this episode by stating clearly: these are not high prices. They are prices that barely cover cost.If we do not separate financial market volatility from farm-level economics, we risk misunderstanding what sustainability truly requires.Guest linksInstagram: https://www.instagram.com/cafeprimitivo/Website: https://www.cafeprimitivocolombia.com/LinkedIn: https://www.linkedin.com/in/anadonneys/***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org

£2.99 for biscuits, £6.99 for moisturiser, £49.99 for a mixer. In shops, one small detail stands out: price tags overwhelmingly end in 99. It's eye-catching, though not exactly convenient for anyone trying to track their spending. Is it really so common? Is that a recent invention? Is that why prices still end in 99? In under 3 minutes, we answer your questions! To listen to the latest episodes, click here: What does the popcorn index teach us about the economy? Why don't prices fall when inflation slows? What is the gig economy? A Bababam Originals podcast written and realised by Amber Minogue. Learn more about your ad choices. Visit megaphone.fm/adchoices

The best start to an episode of all time. A must watch. On the show:Ru's Plans ExposedAftermath of SpoongateNew RulesFuturesKnights v CowsDogs v DragonsUnit Scooper Whatever you bet on, Take it to the Neds Level. Visit: https://www.neds.com.au/Prices subject to change.What's gambling really costing you?. Set a deposit limit.Join the Neds About Even Group: www.neds.com.au/hosted-group/DRIBBLEREligibility requirements apply. T&Cs apply and available on website. Hosted on Acast. See acast.com/privacy for more information.

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

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

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

Denver fix and flip margins are shrinking, condo inventory just hit 11 months, and some DSCR lenders are approving loans at 0.75 debt service coverage. That’s not a typo. For anyone trying to get a clear Colorado real estate outlook for 2026, the signals are mixed — and most of them you won’t find in the MLS. To help make sense of it all, Chris Lopez sits down with Kevin Amolsch, founder of Pine Financial, a Colorado private lender that has originated over $1 billion in loans across 2,800 transactions since 2008. Beyond lending, Kevin is actively buying commercial buildings, demising flex warehouse space in Broomfield, and stripping cellular tower leases off office properties the way some investors strip mineral rights. As a result, he has a front-row seat to what’s actually working — and what’s quietly blowing up. In this episode, Kevin shares what Pine’s current deal flow reveals about the Colorado real estate outlook for 2026 and why he’s moved away from residential toward commercial assets. He and Chris also have a candid back-and-forth on the Denver price forecast — Kevin expecting flat, Chris leaning slightly negative. From there, they dig into why the condo and attached product market may be the riskiest place to be right now. In This Episode We Cover: Why Kevin sees fix and flip margins compressing — and what experienced flippers are doing about it The DSCR loan warning every Colorado investor needs to hear before refinancing a BRRRR Kevin’s honest breakdown of Denver’s 2026 price outlook: detached, attached, and multifamily How Kevin is stripping cellular leases off his office building like mineral rights — and what they sell for Why ground-up townhome development is struggling and what the 11-month condo inventory actually means The 10-year treasury vs. risk spread explained clearly, and what Trump’s MBS buying could actually do Why Kevin is price-checking his subs and vendors right now — and why you probably should be too If you’re trying to get a clear Colorado real estate market outlook for 2026 — and figure out what moves actually make sense right now — this is the episode to listen to. Watch the YouTube Video https://youtu.be/rWL6gxboybg Timestamps 00:00 – Welcome & Kevin Amolsch Introduction – Pine Financial founder returns  01:20 – Pine Financial Overview – $1B+ in originations, 2,800 transactions, $250M under management  03:20 – New Office Building in Littleton – Bought 24,000 sq ft Wells Fargo building at 7 cap  05:59 – Cellular Lease Strategy – Stripping tower leases like mineral rights, sells at 3.5–4.5 cap  07:33– Office Rehab Lessons – Why Office-to-Apartment Conversions Are So Hard  10:33 – Broomfield Flex Warehouse Deal – 18,000 sq ft, 4 small-bay suites, recovering a troubled partnership  12:27– Fix and Flip Market Right Now – 10% discounts on wholesale deals, six-figure rehab budgets  15:40 – Flipper Margins Shrinking – Why experienced investors won’t touch a deal under $100K net  19:24– Denver Price Forecast for 2026 – Kevin: flat on detached. Chris: slightly negative (1–3%)  21:49 Condo Market Warning – 11 months of inventory, why Kevin calls it riskiest asset class right now  22:42– Multifamily Supply Glut and When It Burns Off – Vacancy near 10%, stabilization likely 2027  25:53– DSCR Loan Landscape – Loans at 0.75 DSCR, five-year prepay traps, what to watch for  27:44– BRRRR Reality Check – Cash-in refinances are common now, full pulls are rare  29:27– Ground-Up Construction Struggles – Why new townhome developments are sucking wind  33:26– Interest Rate Mechanics Explained – 10-year treasury vs. risk spread, Trump MBS buying  36:00 – Macro Outlook: Rates, Fed Chair, Unemployment – Why Kevin expects just one cut in 2026 Connect with our Guests Kevin Amolsch kevin@pinefinancialgroup.com Links in Podcast ATTOM Property Data Pine Financial

The Break Room (TUESDAY 2/24/26) 7am Hour 1) Can this type of restaurant find success on the East side of town? 2) Prices change based on faces 3) The Mediterranean diet

This week brought major tariff news, Supreme Court rulings, and fast-moving executive action that could directly impact steel, aluminum, and ultimately garage door pricing. In this episode of Torsion Talk, Ryan breaks down what actually happened, what it means for your business, and why most dealers are misunderstanding the headlines.The Supreme Court ruled against the use of certain emergency powers tied to sweeping global tariffs, but within hours a new tariff structure was introduced under a different law. While the news cycle made it sound dramatic, Ryan explains why steel and aluminum costs remain largely unchanged for our industry and why garage door manufacturers are unlikely to reverse recent price increases.Ryan dives into how this affects residential and commercial dealers, including LiftMaster operator increases, manufacturer price hikes, and why expecting pricing to snap back to pre-COVID levels is unrealistic. He also outlines why adjusting your price book based solely on a headline could be a costly mistake.More importantly, this episode focuses on strategy. Ryan explains why protecting open quotes is critical, why material escalation clauses should be standard in commercial and new construction contracts, and how to prepare your CSRs to confidently answer customer questions about pricing. With uncertainty around how long these tariffs may last, dealers must build flexibility into their quoting process and stay proactive rather than reactive.Ryan also shares why this moment highlights a bigger truth: the cost structure of the garage door industry has fundamentally changed. Companies that refuse to adjust pricing, margins, and sales conversations will struggle, while disciplined operators who understand their numbers and protect their margins will win.If you own or operate a garage door company and want to stay ahead of steel price volatility, tariff changes, and manufacturer increases, this episode gives you the clarity and direction you need.Stay informed. Stay profitable. Stay ready.Find Ryan at:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://garagedooru.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://aaronoverheaddoors.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://markinuity.com/⁠Check out our sponsors!Sommer USA - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://sommer-usa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Surewinder - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://surewinder.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Stealth Hardware - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://quietmydoor.com/⁠

How Sesame Can Offer the Wegovy Pill at Cash-Pay Prices Dr. Michael Botta, President and Co-founder of Sesame, shares details of their newly announced partnership to offer the Wegovy pill, their continued relationship with Costco, how their clinicians approach patients who are loading their medical records to ChatGPT, and more insights from the quickly expanding cash pay side of healthcare.  All that, plus the Flava of the Week about the health at home waiver being extended for five more years. Now that these programs have the certainty they've been fighting for, how can we advocate for the innovations that leaders have been asking for all along? Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

Dividend Growth: The Quiet Engine of Wealth Dividend growth investing sounds simple, but doing it well for decades is not. That's why we wrote Dividend Growth: The Quiet Engine of Wealth—a practical guide to building a framework you can stick with when things get uncomfortable. You can get a free copy here. Plus, join our market newsletter for more on dividend growth investing. ________ After a year of lagging the S&P 500, dividend investors are finally playing catch-up. Income is growing. Prices are rising. Total returns are improving.But success brings a new challenge: what happens when valuations rise, yields fall, and future returns get harder to find?In this episode, Greg explores the hidden downside of success in dividend growth investing. With dividend stocks outperforming early in 2026 and capital rotating out of growth and AI, he explains why rising prices create a new challenge: redeploying capital without sacrificing long-term returns. He revisits income growth vs. total return, explains why cash flow acts as the anchor in volatile markets, and walks through why sometimes the best move is to do nothing. He also contrasts chasing yield with sustainable compounding, including why shifting into Treasuries for higher income can miss the bigger picture.The second half of the episode moves into real portfolio examples—showing what “sell,” “hold,” and “buy” look like in practice:Why Emerson Electric ($EMR) no longer fits the modelWhat Clorox's ($CLX) acquisition strategy could mean for dividend growthHow Hershey ($HSY) shows patience through commodity cyclesWhy Accenture ($ACN) represents a redeployment opportunityLong-term success isn't about chasing what's working today. It's about discipline, letting income compound, and trusting that if cash flow grows, prices follow.Topics Covered: [00:11] Introduction [03:45] Income growth vs. total return investing [07:24] Why dividend income is the anchor [09:52] Valuation risk and redeployment challenges [10:22] Buffett, patience, and portfolio discipline [11:38] Treasuries vs. dividend stocks: yield vs. growth [13:03] Cash flow as the North Star [15:26] Emerson Electric ($EMR): selling a winner [20:03] Clorox ($CLX): acquisition risk and dividend sustainability [27:40] Hershey ($HSY): commodity cycles and patience [32:03] Accenture ($ACN): dividend growth opportunity [35:11] Redeploying capital in rising markets [36:07] Final takeaway: consistency and long-term compoundingSend a textDisclaimer: Past performance does not guarantee future results. This episode is for educational purposes only and is not investment advice. If you enjoy the show, we'd greatly appreciate it if you subscribe and leave a review RESOURCES: Schedule a meeting with us -> Financial Planning & Portfolio Management Getting into the weeds -> DCM Investment Reports & Models Visit our website to learn more about our investment strategy and wealth management services. Follow us on:Instagram | Facebook | LinkedIn | X

Vikas Dwivedi assesses global energy markets as the U.S. seems to be on the cusp of a military attack on Iran. Vikas says the odds are trying to answer what kind of military action rather than whether diplomacy will prevail. He thinks that a strike will be met with a $4-$5 move in oil before a response from Iran. He argues the oil market is “hard to short” right now as risk premium rises. Vikas looks at China's lower-than-expected demand for oil recently and how that impacts the sector.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Forward-looking guidance initially plagued Hims & Hers (HIMS) shares, says Christine Short, though she believes leadership did a good job at "refocusing" goals. She points to the company's businesses beyond GLP-1s showing signs of promise. Brian Tanquilut notes headwinds still hitting the firm, including a lawsuit from Novo Nordisk (NVO). Prices of GLP-1 drugs coming down only adds to his bearish thesis. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

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

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

Keith digs into what's really going on with apartments now that values in many markets have dropped 20–40%. You'll hear why larger multifamily properties have been hit so much harder than one-to-four unit rentals, and what that means for both current owners and new buyers. "The Apartment King," Brad Sumrok, joins the conversation to share how recent economic shifts, financing structures, and market forces have reshaped the apartment landscape—and why he believes we may be near a key turning point in the cycle. You'll also learn how investors are approaching deals differently today, what makes certain markets and property types more attractive right now.  Resources: Learn more about Brad here. Episode Page: GetRichEducation.com/594 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold us. Apartment Building values have fallen 2030, even, 40% over the past few years. Investors lost millions. What are all the reasons that it happened? And when will apartments turn around? I'm joined by the apartment king today on get rich education.   Corey Coates  0:26   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold, writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:09   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com you   Corey Coates  1:40   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:59   Welcome to GRE from Monterrey, California to Monterrey, Mexico and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack. John, act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education, and I'm still not wearing a pair of Dockers. We all know that the one to four unit space single family homes, up to four plexes have held under their values despite soured affordability, but five plus unit apartment buildings are a drastically different story. We're going to talk about just how much value they've lost recently, and the reasons why it's about more than just the interest rates doubling and tripling that began in 2022 Today's guest is an apartment educator. His students have had both losses and wins over time. I'll ask about both, because adversity is where you get the lessons now today, you might buy an apartment building at a steep discount compared to what it sold for five years ago. And who might you buy an apartment from today, it might not be the type of seller that you're thinking about because of owners defaulting you might now be buying it from a bank that had to basically repossess it. Yeah, you might try to buy it from a lender at 60% of the loan amount. Well, a lender doesn't want to do a 40% write down, so they're going to try to get more and see. That's how this could practically look today for an apartment owner that survived the crisis and is still standing today. They're asking themselves, now, why would I sell at a discount if I don't have to? So they're probably going to try to hold on. And then, of course, the tenants in these apartments don't know that any of this is going on now. I own a lot of single family rental homes myself, also apartment buildings in the one to one and a half million dollar range is where I've played, and often that ends up being eight to 12 units, because in that space, I don't need partners to invest in assets of that size. One to $2 million is also small enough so that you're not competing with institutional money and other players. Today, I'll tell you what I did with some of those buildings myself when interest rates reset about four years ago, and before you and I wrap up the show today, I've got something to tell you about what's coming in future. GRE episodes here stuff that's really unexpected as the apartment King waits in the wings. One last thing to tell you about, like I mentioned to you recently, investors say that they want an opportunity, but what they really want is certainty. Once certainty arrives, the opportunity. Is gone.    Keith Weinhold  5:01   Our GRE live event last Thursday was a success. It is about how central Florida is the most compelling housing market right now, with the builder offering rate buy downs as low as 3.75% and, you know, I just ran the numbers on something, and I can hardly believe this. All right, right. Now owner occupied mortgage rates are near 6% this means investment property rates are almost 7% with the rate by down to 4% here's how your cash flow looks with a 30 year fixed rate mortgage on a 300k loan with a 7% rate, your p and i payment is 1996 at a 4% rate. It's just 1432, this is a reduction of $564 per month, a whopping payment difference. That's really the difference between treading water and stacking cash flow on these brand new build properties that we're talking about here in Central Florida. So talking about opportunity and certainty, that is a big measure of both. Yeah, before I ran the numbers, I didn't realize that the spread was this wide. With high demand for these properties, the builder does have some more available, a long term fixed rate of around 4% it should be up for you now you can see the limited time replay of GRE, freshest live event at grewebinars.com, in case you want to look into This again, grewebinars.com let's discuss the apartment market. Foreign apartment building values have fallen at 20% 30% even 40% over the past few years, depending on the market that they're in today, we're going to learn how bad it is, why it happened, and if that actually creates an opportunity here in the late 2020s, decade, our guest is known as the apartment king. He is the number one nationally known educator and mentor for apartment investing. He started with a bang in 2002 by making his first ever real estate investment, not a four Plex like I did, but a 32 unit apartment building, and he's now owned and invested in over 11,000 units and over 1 billion in assets under management. He's received awards like the naa independent owner of the year, and he's the star of the massively popular in person events that he puts on, which you'll learn about soon. Hey, it's been several years. Welcome back to the show. Brad sumrock,   Brad Sumrok  7:46   hey, Keith. It's really good to be on again. Nice to be here.   Keith Weinhold  7:50   Brad and I were together in person last month, and we also talked physical fitness. Then Brad is one of the fittest guys you'll ever meet in person. He just looks fantastic. We want to hear about your apartment forecast shortly. Brad, let's talk about the hard stuff. First, you've endured adversity since we last had you here several years ago. Tell us about that.   Brad Sumrok  8:14    Well, look, I mean, I think anyone that's been serious about investing in apartments over the last five years. And I'll also say it this way, anyone who did a deal and say 21 the middle of 21 till probably the end of 2022 it's very likely that that property is worth less today than than it was when we bought it. So that, in itself, has created, you know, adversity, because I got into the business in 2002 and the market went up until 2008 and we went through a downturn in 2008 nine and 10, as is, I'm sure you're aware. And then the market went up again until around 2021, mid year. And then, due to so many reasons, and I could go into those reasons, but let me just just cut to the chase. That you alluded to is we had another downturn, and so the downturn, you know, impacts property values, it impacts confidence, it impacts investor appetite to do deals. It impacts just about everything related to the business, on the investment side, and the other business that I'm in, which is the seminars, the events and the mentoring. So it's been a big downturn, and we could go into those, you know, into the reasons why, and I'm sure you'd like to know my take on that. But now is a great time, because things are recovering, and one of the things Tony Robbins teaches Keith is pattern recognition. It's like I've been through two downturns, and I could see the patterns, and it occurs to me that we're at or near the bottom of a cycle. So like it's also a good time to be gearing up.   Keith Weinhold  9:50   Now, many realize but for those uninitiated on this, the one to four unit space really didn't feel much pain starting in 2022 so much of that is time. Two people get long term fixed interest rate debt on the one to four unit property, but it's shorter term debt on five plus unit apartment buildings. So when interest rates went up, people soon had to pay those higher rates. They were underwater. That's really the genesis of so much of the apartment building pain.   Brad Sumrok  10:19   Well, and I would say, look, it was, I'm going to throw a bunch of things at you here. So we had the pandemic, right? And during the pandemic, people got paid to stay home from work, right? The government printed, what, $5 trillion worth of money, right? And so that kicked off what became a period of, like, very high inflation. And you know, the published number was 9% but I think a lot of people experience certain items that were a lot more than 9% like, for example, for sure, in 2022 when we bought a 286 unit property, you know, we were able to replace all the appliances inside of a unit in The kitchen, you know, for $1,800 and even today it's like $3,200 so that's a little bit more than 9% and so we had that. So we had the printing of money, we had inflation, we had variable rate debt. Why did people do variable rate debt? The first thing I'll say is there is a place for variable rate debt. But what happened in 2021 and 2022 is the fixed rate lenders, which are typically the government sponsored agencies Fannie and Freddie. They were still lending money, but because of their criteria for lending, if you would go with one of those loans, you would get like 50% leverage the shorter term lenders that would give you the three year loans, you can still get like 75 to 80% leverage. So the vast amount of people that were buying anything in 2021 and 2022 I mean, I'm not just talking about myself. I'm talking about people with 2030, 4050, 70,000 doors all over the country, they were buying with short term debt. And historically, short term debt performs at or better than long term debt. I mean, think about it, when you get a long term, 10 year fixed rate loan and multifamily you have prepayment penalties. You know, when the market's constantly going up like it did, from 2012 to 2022 you could get that fixed term loan. You could pay it off early, you could pay the seven figure prepayment penalty, and you could still make lots and lots of money, and that's what people were doing. So when you bake in the prepayment penalties on long term debt, you know short term debt is oftentimes the better option. Well, nobody saw the Fed raising rate 16 times in 12 months. And look, I don't care what anybody says, Nobody predicted it. If they had predicted it, they would be probably the richest person in the world right now, right nobody saw a comment like, there may have been some people that said, hey, yeah, this is going to happen, or this is going to happen. But what actually happened with the Fed rates over a very short period of time was unprecedented. Unprecedented means it never happened before. So it's not something you could anticipate or something anyone can model. Okay? And so what that did is most of us had what's called an interest rate cap, which is an insurance policy that if the rates go up too much, that yours is capped. But the problem with those rate caps is they're only good for like, two years, right? So we're buying these deals in 2021 and we're getting short term debt, which is a three year debt. And in two years, in 2023 the rate cap expires, and now the rates are 9% instead of 3% and when we bought the deal, the rate cap insurance was $40,000 and now it's a million dollars. And so you're in a very awkward, unfriendly financial situation. And it wasn't just that. So it wasn't just inflation, it wasn't just interest rates. And many of us sung belt markets, specifically Texas and Florida, which historically have been some of the best markets to invest in, because of migration and no taxes, and then landlord and business friendly environments. Well, these states also suffered a lot of named storms, with, you know, hurricanes and wind storms and hail storms and so in these markets, at the same time, we had rising rates. At the same time, we had massive inflation. Now we also have insurance rates doubling or even tripling in some occasions. And then the final thing was, during the pandemic, a lot of the multifamily projects that were in the middle of being built, these development projects, they all slowed down. People couldn't work. And so back in 2020, or after we're fully recovered from the pandemic, some of these markets, like Nashville and Austin and Dallas and Houston and Phoenix, they got deluged Keith with new supply coming on, like a disproportionate amount of new supply. So there's like five. Five things that contributed to multifamily being really tough in the last few years. And so it wasn't just people with short term debt that had challenges. It was probably just about anybody that bought a deal within an 18 month timeframe that I outlined before that just really experienced challenges, and some of those people are still in deals, right? And so let's just take a deal that's, you know, a $10 million deal with a $7 million loan. Well, that deal right now might be only worth 7 million, yeah, and that's the opportunity. So the owner that has that deal may get punched in the face, so to speak, you know, by the market, and they may lose their equity in that deal, but the borrower coming in, or the buyer coming in, like one of my mentees right now, had a deal that was listed at 11 million, and he's picking it up for seven, which is, like, at or below the current loan value. So one buyer group's loss is the new buyer group's opportunity, if that makes sense   Keith Weinhold  16:03    right? 100% there's nothing unusual at all about the mortgage rate levels that began to go higher about four years ago. The unusual part, and Brad has touched on it, is the rate of increase, with mortgage rates doubling or tripling in a short period of time, within about a year or so, but yeah, it's a great point. It's about more than the mortgage rates. It's about increasing insurance costs and increasing expenses of all types, like you talked about with the appliances there, and then, even if you were able to weather all that as an apartment building owner, with all of the supply coming on to the market, when supply exceeds demand, we know what happens to price, and we also know that you can't raise rents very much with all of this supply coming on the market, but the supply of new apartment buildings, that inflow, that wave, is beginning to die down, because builders got the memo quite a while ago that they need to stop building at such a fast pace in places like Florida and Texas and you know, Brad, there are a lot of asset classes that have been beaten up lately. We can always point to a few. You can look at Bitcoin or nfts or even commercial office space. Now those assets might bounce back, but they don't have to, because no human needs those things. But I expect apartments to bounce back because having a place to live is a primordial Maslow and human need. It's almost inevitable. In fact, shelter is at the base of Maslow's hierarchy of needs. So a bounce back has almost got to happen. Yeah.   Brad Sumrok  17:46   Look, it's becoming the big word right now in politics. Right is affordability. And so when you look at affordability, if you take a median priced home in this country of say, $400,000 I don't know if that's the actual median, but maybe it's around 400 420,000 100, $420,000 yes, to buy that home. And who's going to buy a $420,000 home? It's going to be a working class family making 60 to 70,000 a year, right? They could rent a median priced apartment unit for $1,800 a month, or they could pay a 20% or a 10% down payment on a $400,000 homes, and they need 40 to 80,000 down right, or maybe less, but they still need a down payment and that p i, t i, the principal, interest, tax and insurance is going to be around $3,100 okay, so there's a $1,300 per month gap, and that's a big, big gap for that working class family. And so where are they going to live? Like we're becoming more and more of a renter nation? Keith, and the statistics that I read say that only 27% of American families can even qualify to get a mortgage, yeah, on a $400,000 home. So we're becoming more and more and more of a nation of renters by necessity. And so the demographics like look, all markets are not equal. You got to know what's going on in your market. But there are markets, ie locations, geographies that have even a higher affordability gap. You know, some markets have a 2000 a month or a $2,500 a month affordability gap. So you're going to find more and more people renting in these markets.   Keith Weinhold  19:37   Yes, there is a premium to ownership opening up that gap, and that's why we have this wave of renters that's really already begun. In about the last year, the American homeownership rate has fallen from 66% to 65% 1% doesn't sound like much, but that already means that we have 1.3 million new renters. We're going to talk to Brad some more, including about. His apartment market forecast you're listening to get rich education. Our guest is apartment King. Brad sumrock, more when we come back, I'm your host. Keith Weinhold,    Keith Weinhold  20:09   flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/gre,   Keith Weinhold  20:45   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom. Coach, directly. Again. 1-937-795-8989,   Hal Elrod  21:58   this is Hal Elrod, author of The Miracle Morning, and listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  22:13   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking about a sector we have not talked about very much lately because it's been in rather moribund condition, but we are beginning to turn the corner where there are more opportunities in apartment building investing, because it's been beaten down an awful lot. And Brad, that plays right in to your apartment forecast. So tell us about some of the highlights of your apartment forecast.   Brad Sumrok  22:38   Yeah, sure. And one of the things that I want to share with you, Keith, is that, you know, back in the peak of the market, the market peaked, say, at the end of 21 early 22 there were so many investors that were in multifamily or that wanted to be in multifamily. And the other thing that caused this so called, you know, downturn that I didn't mention before is, let's take this $10 million deal. If a property was listed at $10 million you'd literally have 30 to 40 buyer groups pursuing that deal, bidding up the price. Yeah. And so a $10 million Listing would sell for 11 and a half million Okay, now what I'm seeing is that same $10 million deal might sell for a seven to 8 million and you might be the only buyer going after the deal. Wow. And how do I know? Because you said, like, I run a an investor community and and I have active multifamily buyers, and I coach them, and I look at their deals, and this is what's happening. And the other reason I know is I sold two of my deals personally in 2025 and both of the deals that I sold, I bought in 2015 where we had 10 year fixed rate debt. So we didn't sell because we had a three year loan. We needed to sell because we had a 10 year loan due. And look, first thing I'll say is I made money, because over that 10 year period, values did go up. They peaked in 2022 and they came back down that because I bought it so long ago. That's the one lesson that I think people also want to understand, is over the long term, the values always tend to go up, but there are short term ups and downs that one would need to be aware of. But when I sold these two deals like I didn't have many buyers one deal in particular. I mean, I had eight buyers going after the deal, but only one was anywhere close to what I wanted. So I was negotiating with myself, you know, telling the buyer and his broker, hey, you know the other guys are here, and you got to come up on price and you got to come up on terms. But truthfully, I was bluffing, because I didn't have anybody that was coming up on price or coming up on terms. And so part of why I'm answering this way is when you look at the forecast, one thing that that I want people to know is that those. Of us that are in the business now and that have our pencils up, and we're underwriting deals, and we're making offers, like I used to teach Keith, don't make lowball offers, because you'll develop a reputation of being that guy or that borrower or that buyer that submits lowball offers, right? And word will get around in that market? Well, right now, like low ball offers are expected, and I would encourage people, let's just say you make an offer that whatever the deal pencils out to. So if you know how to underwrite deals correctly, and they're offering 10 million as a listing price, and you're coming up at seven or 7.5 don't be bashful to make the offer, and you may be the only buyer in the game. So that's one thing is like the competition that I'm seeing right now on the buyer side is not a lot of competition, and that's definitely shifted to a buyer's market. So people need to know that. The other thing I would say, on the macro level, is there's still a lot of uncertainty out there, and the uncertainty is kind of becoming like what I would call a new normal. You know? I'll speak for myself. When Trump was elected and at the end of 2024 I thought it was going to be amazingly well for all of us real estate investors, right? And there are some things that have been like the big, beautiful bill that restores 100% bonus depreciation like this is a really good thing, but you know, the tariffs, the immigration policies, some of the things that he's doing, you know, they have mixed impact for us and our in the economy and in real estate and in multifamily. And the thing is, when he first started doing that again, like lenders, they didn't know how to price debt, like, what's going to happen with tariffs, what's going to happen with ice what's going to happen with immigration, you know? But now that we're a year in to his second term, I can tell you a couple things. Debt is back. Lenders are lending. They're confident. Lenders are issuing debt like you can get 70 to 75% of your acquisition funded by a commercial lender. The government agencies are lending. Freddie Mac is lending. Fannie Mae is lending, and they have a mandate to lend 20% more money in 2026 than they did in 2025 so that bodes well for people that want to get, you know, affordable workforce housing, which is my specialty, also known as Class B and Class C housing. So the lenders are lending like, there's a lot of debt out there. One of the challenges is the equity. There's a lot of institutional equity. But if you're going to the retail investor who got into the business three to five years ago. They don't want to hear about your next deal right now, they're wondering about, hey, what about the deals that I'm in? Right? So one of the things that I'm doing, Keith is, and I think, you know, this is like, you know, I build up a huge investor community from 2012 to 2022 and I did it by traveling the country, speaking at conferences, sponsoring trade shows, talking about the benefits of investing in apartment buildings, how it changed my life, how it enabled me to retire from a six figure income in just three years, and how I've helped many, many other people Do the same, and also just sharing experience today, every asset class, every 10 to 15 years is going to go through a correction. And so where we're at now. And I wasn't the only one on the forecast. I brought in John Chang who is the senior intelligence officer at Marcus and millichep, one of the biggest commercial real estate firms in the country, and he presented about 20 or 30 slides that by and large were very bullish on where we're at in the market cycle. Why now is a great time to be looking at apartment buildings, a lot of the same things that I've been talking about. Prices are down. It's a buyer's market. We have a huge affordability issue. More and more people are becoming renters, and so what I'm committed to do, Keith and I don't know if I shared with you my travel schedule, like when we met each other last month, but I'm on the road every single week going to another city, talking about where I see us right now in the market, and why people should be looking at deals and making offers right now. Because to me, you know, Warren Buffett said it best. He's like, you want to be fearful when everybody else is being greedy, and you want to be greedy when everybody's being fearful. And right now, people are on the sidelines. They're waiting for some green light, like for the Wall Street Journal to come out and say, Hey, now's a good time, you know? I mean, look, Trump, just the point of the new Fed chair, right? And so we know interest rates are going to go down like that's one of his goals, and the guy that he appointed is going to lower rates. So we're looking at a future, a very near future, where we have lower rates, and lower rates is going to create more demand, again, for people that want to buy. I invest in apartments now, look, if you wait another year, I still think it's going to be a good time, but I think we have a better time right now.   Keith Weinhold  30:10   I sold one apartment building in 2022 for about $1 million and I sold another one of my apartment buildings in 2023 for about $1 million I had bought those in 2013 with 10 year balloon loans, so I was enjoying that nice fixed rate as late and as long as I could, until 2022, nine years and 2023, 10 years before the rate went up on me. But of course, my new buyer had to pay that rate, so it limited the amount that they could offer for it. However, to your point about investing for a long time horizon, I still had profits on those nine and 10 year holds, but yeah, to your point, Brad about the looser lending, this is huge. I read a summary of the latest national Multifamily Housing Council meeting, and one of the biggest takeaways that came out of that meeting is that there is abundant debt available. It's in increasingly attractive terms. And a lot of people think about mortgages, and they just think about the rates, and you should that's certainly important, but they don't think as much about the propensity for others to lend. How loose, or how tight are those standards? They're loose, yeah.   Brad Sumrok  31:25   And, I mean, look, the first deal I did in 2002 the interest rate was 6.35% the rates right now are less than that, you know, as of the date of this recording. So, you know, I always talk about a base case of a $10 million deal. It may seem large to you or to people listening, but like in my world of syndication, where we're not just looking at the real estate piece, but learning how to raise money to buy real estate so we could have a bigger property that's professionally managed and become a true business owner like Robert Kiyosaki talks about, do you want to be self employed? I tell my students, buy a six Plex. Do you want to own an apartment business by 60 units and hire a management company? So when I'm talking about this $10 million deal, you know, you can get a $7 million loan right now for probably in the mid 5% and it would be non recourse, and you could probably get three years of interest only, meaning for the first three years, you're going to have a higher cash flow. So like, this is a really good loan compared to 2021 when we could get 3% debt. It's not but remember that 3% loan was a short term loan. You know, it wasn't a 10 year fixed rate loan, it was a short term loan, and we all saw what happened with that when they raised rates so many times in such a short period. So the fixed rate debt is very competitive based on, like, the long term, 20 year average, and it's lower than it was when I started.   Keith Weinhold  32:55   Well, we've been talking about elements of your apartment market forecast, and of course, that's going to inform your Buy Box. Brad, you mentor students constantly and oftentimes we think about a Buy Box. We think about then in terms of geographic market, but as we look for an opportunity, we also might think about some other things in your Buy Box, for example, new build versus vintage build. So with all of this traveling you do, and you're in the markets, and you're informing students, and you're looking at students prospective deals as well. But tell us more about what a good buy box is for the near term in apartment buildings.   Brad Sumrok  33:36   Yeah. So look like what is in the buy box, right? So one is going to be your location. And so, you know, how do I select a good location? Just some tips and strategies around that is, I look for landlord and business friendly environments. In other words, if the tenant doesn't pay, do they get to stay or not, you know, so I like to be in market so that they don't pay, that we could legally, you know, not have them consume our product for a long period of time. So I also look at things like job growth and population growth, affordability gap. New supply is a percentage of inventory, you know, the new supply coming online in a diversified economy. So, like, you want to get your geographies nailed down. Like, where you buy matters, like, there's no substitute to I would rather pay more for a property in a location that meets that criteria than less for a property that doesn't. Yeah. So geography is important. You want to pick your property size, like, how many units, or what's the price point. Okay? And this is huge, because if you're gonna buy your own deal with your own money, which is another reason I prefer syndication. Let's say you have pick a number, 100,000 to invest. Like you can only buy a $300,000 property, two units somewhere, three units somewhere, you know. Or zero units somewhere, right, right? So if you have expanded your you know, your mind and your skill set to do a syndication 100,000 doesn't limit you to your own money, you know. And then I would say, Well, what is a great size for a first time syndicator is I would target somewhere around 60 to 80 units, and at 100,000 a unit, which is a ballpark price for maybe a nice B class property or high C Class property, and a market that meets the criteria that I outlined earlier. You know, you're looking at, say, a six to $8 million property. And so what you could do from there, Keith is, you could say, Okay, well, you know, this is why, like in my educational course, I use a $10 million property, because the numbers are easy. But even just say, Well, I'm going to do an $8 million property, you'd say, Okay, I need two to 3 million down, depending on the debt, right? And then I'm going to get a the balance in a loan, you know, because you could get a 70 to 75% loan. So then you ask, Well, where am I going to get to 2 million, right? If I have 100 I need $1.9 million and so then you got to start thinking about like, do I have access to people or work or in the neighborhood or at the community or at the church, you know, or do I go to masterminds and conferences and meetup groups like, where I saw you Keith last month, like, there's a lot of investors there with a lot of money, right? And some of them are looking to be passive investors. And so, you know, there's a whole nother conversation around, you know, raising capital. And if you can't raise capital, then you may want to bring in some people on your GP team that could help you raise capital, as long as you're following, like the SEC compliance and again, that's another discussion. That's the importance of having the buy box so you have your geography, your property size, your property class. You know, again, if you just want the new construction stuff. There's some people out there, like big name, famous people, that are highlighting their 800 unit a class deals that they're buying. And of course, like you or I that are just getting started, can't go buy that deal. And so why? You know the institutions are going after the large A class properties in the best areas. And so where I've made my niche Keith, and what I would recommend most people start is start with the older vintage properties, start with the 1970s properties, and then maybe work your way up to the 1980s and 1990s properties. And why is this is because the institutions don't want those properties, and they're still able to be professionally managed. Like, if you go and buy 100 unit C Class property, as long as it's not in a bad neighborhood with, like, high crime or whatever like that. Like, these are very honest, hard working, working class people that need a clean, safe and functional place to live, and you'll be able to get better returns on a C or A B class, also known as like the cap rate. And again, that's another discussion, but you'll be able to get a better return on an older vintage property than you would on a vintage property. And you're not competing with the institutions, but you're also not competing with the mom and pops, because the mom and pops are going to take that 100,000 they have and go buy a duplex. You know, they're not going to want to syndicate a deal. They're not going to want to have partners. They're not going to want to deal with the so called complexities of buying a company. And that's what buying an apartment community is, Keith, it's buying a company. You're buying a business that has an income stream already being generated those customers, they're called residents. They're called tenants, you know, but if you just go upstream from buying real estate or buying an apartment building, we're buying a cash flow producing business that's existing, that's in place, and then our job is to figure out how to run it better and more efficiently. You the   Keith Weinhold  39:04   You the listener, you might have access to, say, 500k in equity that's sitting in your existing properties. And some of these numbers that Brad and I are throwing around are rather large, $10 billion but one of the biggest epiphanies that I think your students have is that doesn't need to be much of your own money. We're talking about what's called the capital stack to take down a $10 million apartment building. Maybe you borrow seven and a half million of that. Maybe you raise 2 million of that from your other investors in the syndication, and then you put your 500k into the deal, and there you have $10 million in order to make that purchase. But yes, that does involve a learning curve and the SEC rules and all that. But the big takeaway here is you don't need much of your own money. You can leverage other people's money, even for the down payment. And Brad, you're also an expert at showing people how to pay almost. Zero tax, which is another discussion unto itself, but some of your students start with zero experience, and within a few short years, I mean, you've had hundreds of people that have either retired early or increased their net worth by over a million dollars. A lot of success stories,   Brad Sumrok  40:17   yeah, look, I mean, I started with no previous real estate investing experience. My experience was going to college, studying hard, getting decent grades, becoming an engineer, you know, being fired once, being laid off once, and reading Robert Kiyosaki books that motivated me to to go out and seek specialized education. And I think it was Jim Rohn that said formal education, like degree could get you a job, and specialized education like you can get in a conference or a mastermind or a mentorship program. And that's also how I started. I went to a weekend workshop back in 2001 and I bought the mentorship program. And boy, I'm glad I did, because, you know, that's how I got into my first 62 units. So you don't need to have experience. What you need to have is a powerful reason, a powerful why? Why do I want to be financially free? Like apartments is just a vehicle. I didn't choose apartments because I love departments. I choose departments because they cash flow, they go up in value, and you have amazing depreciation benefits.   Keith Weinhold  41:23   Yeah, I'm the same. I don't love apartments in a way. I don't love real estate. I love what these things do for me    Brad Sumrok  41:30   exactly. Yeah? So, like, you don't have to have experience. In the other category, of people that have come into my community that don't have apartment experience, a lot of them have real estate experience, Keith, that are doing, like, single family homes, short term rentals, or maybe smaller, multi unit deals. And they listen to a show like this, and they're like, huh, I want to transition from doing these smaller types of assets with my own money and self managing to scaling into a syndication.   Keith Weinhold  42:03   Brad has taken countless people from get rich education to got rich education. His core values are faith, finance, fitness, family and fulfillment. He is committed to helping people experience not just financial success, but personal fulfillment, purpose, contribution, freedom and Brad and his investor community have contributed over $1 million to charity. Is really the person you want to learn from if you want to think about going bigger with multifamily apartment buildings. This has been great, Brad. Let our audience know how they can connect with you and learn more?   Brad Sumrok  42:42   Yeah, sure. So I would say this is where I should just be very clear here, okay, but I'm gonna give a couple options, because that's what I'm so of course, there's a website which is my first and last name.com, B, R, A, D, S, U, M, R, O, k, for those of you on social media, I respond to my own social so you'll find me again. B, R, A, D, S, U, M, R, O, K, on LinkedIn, Instagram and Facebook.   Keith Weinhold  43:13   Brad, it's been so valuable. It seems like American apartment buildings are in for redemption story here. It's been great having you back on the show.   Keith Weinhold  43:29   Brad and I both emphasize physical fitness, and we chatted about that a good bit when we were together last month. I think he looks better than me. To summarize, the reasons for this historic collapse in apartment building values. It was the combination of soaring interest rates, massive inflation, spiking insurance costs, construction soared, and it created an oversupply, and that oversupply still is not absorbed. In fact, according to the outlet apartment list, the National multifamily vacancy rate recently hit 7.2% that's the highest in the history of the index, which dates back to 2017 and that's chiefly due to apartment oversupply. Have apartments really hit the bottom? Brad just said, we're at or near the bottom, and it's a good time to be gearing up as far as what's coming. To give you an idea of new apartment supply, what takes about two years from construction start to completion. And now you can't just have all US apartment construction come to a complete stop. You have to keep people working. And there are almost 400 MSAs in the United States, so you couldn't coordinate a complete ceasing of construction across every area. So how about the level of new construction starts in apartment units today, and the way that HUD counts it is the number of units started in buildings of five plus units the recent peak. Was about 600,000 annually in 2023 and today it's closer to 400,000 there it is that slowing pace of new apartment construction. If you jump into multifam, be careful of properties with deferred maintenance, because understand that you have a lot of underfunded owners Now Brad can tell you specifically what to look out for his rat race to retirement event is March 28 and 29th in Dallas. It's a two day hands on workshop. You'll learn how to find apartment deals, how to underwrite deals, how to raise capital management and your exit. Discover how you can retire in five years or less by owning apartments again. His website is Brad sumrock.com    Keith Weinhold  45:49   coming up on future episodes here on the get rich education podcast. We're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished experts, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy of the 50 US states. I'm going to discuss some awful states to invest in, including ones with population loss. On another episode, a distinguished subject matter expert and I are going to dive deep on does America really have a housing shortage, not in apartments which are oversupplied, but is there a shortage in the one to four unit space? That's our topic, because you probably heard contradictory information in the media about whether there's a shortage or not, and then some outlets say there's a housing shortage of 2 million units. Others, 10 million. They're all over the place. We're going to sort it out on an upcoming episode. Does America really have a housing shortage? Then the youngest guest to ever appear on the show will be with us. He's a 19 year old college student that has a real estate investing related major, and since last year, he and I have befriended each other. He was born in about 2006 so it'll be interesting to see how he views the investing world and what they teach him about real estate investing in college today, he is probably the most impressive teenager that I've ever met in my life. Then six weeks from now, we will have an epic get rich education podcast episode 600 on a subject as paradoxical and complete with a GRE contrarianism That builds real wealth, debt is the American dream will be episode 600 if you're serious about building wealth, be sure to follow or subscribe to the show. We are going on a run. If you know someone in your life who needs to think differently. If you know one investor who's still waiting for perfect conditions. This will help them tap the Share button and tell them about the show until next week. I'm your host. Keith Weinhold, don't quit your daydream.   Unknown Speaker  48:14   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  48:42   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

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