Podcasts about qc

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Episode: Big Truth Podcast — with Cary Brobeck (Owner/Editor-in-Chief, Choppers Magazine + Founder/Organizer, Chopper Fest) Core promise: A behind-the-scenes look at how chopper culture actually gets preserved and pushed forward—through print, shows, relationships, and a lot of unglamorous work. Cary Brobeck breaks down the real day-to-day reality of running an iconic print magazine in an internet era while still working a full-time construction/QC job, plus what it took to take over Chopper Fest and scale it to 10,000+ attendees. The conversation hits chopper culture's punk/DIY roots, the market's price swings, the importance of showing up in the industry, and a major mission: preserving David Mann artwork and artifacts via the David Mann Legacy Foundation.   Key topics & highlights ·       Chopper Fest: how Cary took over a 20-year legacy event (originally tied to David Mann) and doubled attendance year-over-year. ·       The grind nobody sees: why "owning a magazine" doesn't mean you're not still clocking in at a day job. ·       Why choppers (not just motorcycles): the punk/skate/custom-culture pipeline—loud, dangerous, DIY, and personal. ·       Market talk: vintage bike pricing swings (knuckles, pans, shovels), and why things feel like they're "breathing" again. ·       Publishing origin story: Dice → early projects → working with Easy Riders / Wrench → the path to Choppers Magazine. ·       Choppers Magazine name revival: how "Choppers Mag" (Ed Roth era) became available—and why Cary got the Roth family blessing first. ·       Preserving motorcycle art: the plan to collect and protect David Mann originals + artifacts so they don't disappear into attics, estates, and trash piles. ·       Harley sponsorship reality: how Cary views working with a corporation while staying rooted in the culture—plus why relationships matter. ·       What's next: more shows, possible "town takeovers," and future special issues (including an all-women riders edition idea).   For More Info: ·       Choppers Magazine (IG): @choppersmagazine ·       Chopper Fest (IG): @chopperfest   If you enjoyed this episode, follow/subscribe to the Big Truth Podcast, leave a 5-star review, and share this one with a builder, a rider, or anyone who cares about preserving culture—not just consuming it. This episode is about keeping real culture alive — the Back Channel is how we do the same for this show. Independent. Direct-to-listener. No gatekeepers. Join here → http://www.patreon.com/bigtruth    Follow us on IG: @bigtruth TikTok: @bigtruthpodcast YouTube: @thebigtruthpodcast   For feedback, questions, sponsorship info contact: bigtruthpodcast@gmail.com For more info: http://www.bigtruthpodcast.com To support the show: http://www.patreon.com/bigtruth    The Big Truth Podcast is proudly sponsored by: - Choppahead Kustom Cycles (IG: @choppahead / www.choppahead.com) - Tattoo Flash Collective – www.tattooflashcollective.com – use promo code: BIGTRUTH for 10% off your order - Omerta (IG: @omertamia / www.omertamia.com) - use code: BIGTRUTH at checkout for 20% off your order! - Heavy (IG: @heavyclothing / www.heavy.bigcartel.com)

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Watch the Q&A session here: https://youtu.be/9ozYDQFkfaYWhen death occurs, the state has a duty to investigate. Every death must be registered locally with a cause of death. And now, more than any other country, all deaths are double-checked, with coroners having a significant role in over 30% of them, explaining the unexplained and reporting to prevent future deaths.This lecture explains: - Who are coroners and what they do   - When an inquest must take place   - How coroners arrive at a just conclusion and  - The benefit to the health and welfare of the nation in death investigationThis lecture was recorded by Sir Peter Thornton KC on the 5th of Feburary 2026 at Barnard's Inn Hall, London.His Honour Sir Peter Thornton KC was a practising barrister in criminal and human rights law, a QC (now KC), founder member and head of Doughty Street Chambers in London, a Senior Circuit Judge at the Old Bailey (the Central Criminal Court) and judge in the High Court and Court of Appeal (Criminal Division).   Sir Peter was the first Chief Coroner of England and Wales.   He is now a Visiting Professor at King's College London (where he teaches a course, Death investigation: coroners and inquests), a member of the Independent Expert Panel of the House of Commons, and an international trainer of coroners and judges with the Civil Service College, the Commonwealth Magistrates and Judges Association and the Slynn Foundation.  His latest book is The Later Years: The simple guide to organising the rest of your life (Bedford Square Publishers, 2025). He also conducts workshops on Life and lifestyle in the later years.The transcript and downloadable versions of the lecture are available from the Gresham College website: https://www.gresham.ac.uk/watch-now/death-coronersGresham College has offered free public lectures for over 400 years, thanks to the generosity of our supporters. There are currently over 2,500 lectures free to access. We believe that everyone should have the opportunity to learn from some of the greatest minds. To support Gresham's mission, please consider making a donation: https://gresham.ac.uk/support/Website:  https://gresham.ac.ukTwitter:  https://twitter.com/greshamcollegeFacebook: https://facebook.com/greshamcollegeInstagram: https://instagram.com/greshamcollegeSupport the show

Send us your feedback. We'd love to hear from you!On this episode of Wait One Minute, we bounce from football to politics to the nonsense in between.We recap the Super Bowl, the halftime debate, and why the commercials didn't live up to the hype — but the ad campaigns outside the game might actually be winning.Then we get into the chaos happening in public hearings and government meetings, where accountability seems to be replaced by insults, ego, and clickbait moments.And finally, we talk about the idea of “side teams,” favorite commercials, and why some ads are way more entertaining than the ones costing millions during the big game.Real talk, real reactions, and the kind of commentary you won't hear on TV.

Send a textVendredi 13 février 2026 -

Welcome to another fire fundamentals episode! Today we dig into how to place a fire in a model so results reflect real physics. From plume inputs to FDS burners, we show where HRRPUA, radiative fraction, and D* make or break smoke your calculations. Things considered in this episode:• why defining the design HRR is separate from placing the source• what a flame is and why we cannot resolve its chemistry• plume models compared by inputs: perimeter, Q, Qc• entrainment, virtual origin, and effective diameter• realistic HRRPUA ranges for building-scale fires• radiative vs convective fractions and why they matter• zone model linkage to plumes for smoke control• volumetric smoke and heat sources for CFD: volume, placement, and limits• fuel-based fires in CFD and oxygen constraints• growth modeling via area expansion vs flux ramping• soot yields, heat of combustion, and visibility• D* and meshing guidance for credible resolution• why predictive fire spread modelling for design use does not really exist...Resources, resources!G. Vigne et al. "Review and Validation of the current Smoke Plume Entrainment Models for Large-Volume Buildings"W. Węgrzyński & M. Konecki "Influence of the fire location and the size of a compartment on the heat and smoke flow out of the compartment" - (this is a paper from my PhD where I explain the concept of volumetric heat source)M. Bonner et al. "Visual Fire Power: An Algorithm for Measuring Heat Release Rate of Visible Flames in Camera Footage, with Applications in Facade Fire Experiments"Episode 100 - Smoke plumes! That was a fun one.G. Heskestad "Fire Plumes, Flame Height, and Air Entrainment" from SFPE Handbook  (also the source of the overlayed image on the cover showing range at which fires exist)----The Fire Science Show is produced by the Fire Science Media in collaboration with OFR Consultants. Thank you to the podcast sponsor for their continuous support towards our mission.

The panel reacts to viral deepfakes, AI misinformation, and Trump's controversial repost that sparked backlash. From Benny Johnson's fake image to QC failures and media strategy, the debate dives into politics, trolling, and how viral content shapes public perception.------▶️ WATCH FULL EPISODE: https://www.youtube.com/watch?v=fUEd8DHEo-M

Dhruv and Ravi are back to talk about the rise of agentic AI — their experience with Claude Code and Cursor, what agents actually are, and why they think a tsunami is coming for software engineers and knowledge workers. The Tsunami Warning The feeling since late 2025 — prapancham roju roju ki maripotundi The COVID masks analogy — we are those people now Why the folks back home aren't feeling it yet Timeline — How We Got Here GPT-2 (2020) → ChatGPT (2022) → Cursor (2023) → Claude Code & Opus 4.5 (2025) The Evolution of AI Coding Chat interface — copy-paste snippets from ChatGPT Assisted coding — Cursor tab-complete, you drive, model navigates Agentic coding — the agent drives, you're the passenger Cursor vs Claude Code — why Claude Code wins The Autopilot vs FSD analogy WTF is a Model? Giant N-dimensional matrices with weights Text in, everything out Bigger model, better responses WTF is an Agent? Model = brain, Agent = human Agent uses the model to operate tools — like a robot with a task Inference and Context Engineering Sessions, prompting, context windows SWE = Context Engineering + Verification Engineering Memory, Skills, and the Matrix Kung-Fu analogy Agent Harnesses Claude Code, Cursor, Agent SDKs Programming in English It's fun, addictive, and an art Communication skills over coding skills Good taste, strong architecture, trash your prior beliefs My Thesis — And How It Was Wrong Thought it'd hit "IT workers" first, not Big Tech But the tsunami hits the coast first — US and Big Tech have closed loops Tesla car Dharavi slums lo nadavadhu — we paved 6-lane roads for AI Knowledge Work, Manufacturing and Farming Any work where you can "close the loop" is at risk Manufacturing with QC — robots were always there, programming them was hard Farming — mostly done What is Still Scarce? Ideas, customer acquisition, creative content, land Creating software is no longer scarce Ippudu Em Cheyyamantaru Saar? We don't need SWEs, we need builders Product sense, distributed systems, build-sell-ship quickly The existential dread — we don't have 10 years, or 5, or even 2 Collective mental health crisis and economic reshaping ahead The fire storm is coming

In this episode of The MFR Coach Podcast, I talked with MFR therapist and author Gabrielle Provost about myofascial release self treatment and how her new illustrated guide helps clients build empowered self care at home.  We explore how self treatment supported her recovery from years of chronic pain, why awareness is essential to this work, and how her new book helps readers build a clear, accessible home practice. What You'll Learn: How Gabrielle used MFR self treatment to support her recovery Why awareness shapes the effectiveness of MFR How her illustrated guide supports beginners and experienced clients Why she created custom therapy balls for the book Her vision for increasing access to MFR Additional Topics: How she stayed committed while creating the guide How filmmaking influenced her teaching style How she approached shipping and logistics How therapists can offer the book to clients Purchase the Book at https://feelandheal.com/. Use code MFRCOACH20 for 20% savings. Connect with Gabrielle Provost, owner of L'autre voie MFR in Montreal, Qc and Author | Website   **This podcast is not medical advice and is not a substitute for consultation with an appropriate medical professional. We make no representations as to any physical, emotional, or mental health benefits that may be derived from listening to our podcast. Likewise, we do not make any representations or guarantees as to any possible income, business growth, additional clients, or any other earnings or growth benefits that may be derived from our podcast. Any testimonials, examples, or other results presented are the experiences of one client. We do not represent or guarantee you will achieve the same or similar results. You understand and agree you are solely responsible for any decisions you make from the information provided.**   The MFR Coach's Podcast includes affiliate links in its show notes. This means we may earn a commission if you click on or make purchases via the links in our show notes.

How do you build an organization that can absorb change, learn from failure, and keep patients at the center—even when the science is uncertain? Nelly Viseux shares lessons from over 20 years in biotech and a decade leading cell and gene therapy development.Nelly discusses how she structured a 100-person CMC organization at Regeneron to balance innovation with operational execution, why documenting your assumptions is critical to managing risk, and what it really takes to maintain resilience when you're literally holding patient lives in your hands.A few of Nelly's key takeaways:Resilience is adaptability—build organizations that absorb and anticipate change rather than resist itSeparate innovation from execution with intentional gates for when new approaches are ready to implementDocument your assumptions so you can revisit decisions effectively when circumstances changeFailure is a process problem, not a personal one—root cause analysis should improve systems, not assign blameData is the common language that aligns scientists, regulators, and stakeholdersEveryone is a leader in cell therapy—manufacturing and QC teams hold patient lives in their handsAbout Nelly ViseuxNelly Viseux is Vice President of Cell Therapies Development, Manufacturing, Supply & Quality at Regeneron, leading a 100-person organization supporting autologous cell therapy programs. She has over 20 years of biotechnology experience spanning large pharma (Shire, Biogen, Baxter) and startups, working across cell and gene therapies, biologics, and nanoparticles. Her accomplishments include building a Phase 1 cell therapy manufacturing facility that achieved 100% cGMP success and first IND submission within two years. She holds a Ph.D. in Biochemistry and Molecular Biology from University of Lille and is a member of the Society for Immunotherapy of Cancer and the American Society of Gene & Cell Therapy.About The FDA GroupThe FDA Group helps life science organizations rapidly access the industry's best consultants, contractors, and candidates. Our resources assist in every stage of the product lifecycle—from clinical development to commercialization—with a focus on staff augmentation, auditing, remediation, QMS, and other specialized project work in Quality Assurance, Regulatory Affairs, and Clinical Operations. Learn more: ⁠⁠https://www.thefdagroup.com/

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Send us a textA train rumbles past our new Union Station studio as we kick off a candid, future-facing look at what makes the Quad Cities move: river, road, rail and a visitor economy ready to surge in 2026. We walk through the marquee wins already on the books and the quiet engine behind them: high-impact group tourism that fills weeknights, fuels local businesses, and lifts community pride.From multi-week bowling tournament and the nation's largest D3 women's wrestling invitational to the LBAA women's bass fishing tournament on the Mississippi, we unpack how sports tourism transforms venues and storefronts across the region. Then we stack championship golf, NAIA Men's at TPC Deere Run, MVC Women's, and the new NJCAA D1 Women's at Oakwood, creating a rare doubleheader that cements the Quad Cities as a championship-ready destination. The spotlight widens with SAFECON, the collegiate aviation finals hosted with the Quad Cities International Airport, drawing top talent and industry leaders for weeks of competition while commercial service keeps humming.We pull back the curtain on how these wins actually happen: relentless sales, trade shows, RFP strategy, and partner alignment in a fiercely competitive market. That's why a facilities and venues master plan is next. This is an honest audit of event space to modernize aging assets, close gaps, and prevent the costly drip of lost business. Along the way, we tap the power of digital trails to convert meetings into longer stays: the John Deere Trail for heritage lovers and the upcoming Rock Island Arsenal Trail to unlock America 250 stories with tours, events, and self-guided discovery.Visitor trends show fewer trips but longer stays; we're ready with authentic experiences, QC-style pizza, local makers, and a vibe that's world-class yet hassle-free. International travelers find the real Midwest here, supported by partners like Travel Iowa, Enjoy Illinois, and Brand USA. Resident sentiment tells us pride is rising and tourism's benefits are clear: more tax revenue, better amenities, and a stronger brand. Help us keep the momentum: share the show, rate and review, subscribe for more stories, and Bring It QC—what event or association will you help us host next?QC, That's Where is a podcast powered by Visit Quad Cities. Through the people, partnerships, and personalities woven throughout the Quad Cities region, you'll meet real Quad Citizens and hear the untold stories of the region.Follow Visit Quad Cities on social media and never miss an episode of #QCThatsWhere.FacebookInstagramLinkedInX

Hard-to-treat cancers like pancreatic ductal adenocarcinoma (PDAC) have long defied conventional therapies. Radiopharmaceuticals, combining targeted therapy with diagnostic power, are creating new opportunities in precision oncology.Host David Brühlmann speaks with Bryan Miller of Crown Bioscience, who explains how Crown's strategic partnerships, rigorous quality standards, and adaptive study design are shaping radiopharmaceutical development—delivering speed, safety, and real clinical impact.In this episode, you'll learn:The promise and practical implications of theranostics—agents used for both diagnosis and treatment (02:44)Definitions and distinctions between CDX (cell line-derived xenograft) and PDX (patient-derived xenograft) models, and why PDX models better recapitulate tumor heterogeneity (05:11)Strategies for building more predictive, clinically relevant research models (06:09)Balancing rapid innovation with rigorous quality standards—why robust QC systems enable speed without compromising safety (08:01)Key advice for scientists entering radiopharmaceutical development, including how to choose the right research partners (09:53)Why effective collaboration between biotech companies and CROs is akin to a well-chosen partnership (10:50)The future outlook for radiopharmaceuticals and their impact on hard-to-treat cancers (12:21)Strategic insight:Focusing on theranostic radiopharmaceuticals—agents that combine diagnostics and therapy—offers a high-impact strategy for hard-to-treat cancers like PDAC. By enabling simultaneous patient stratification and targeted treatment, theranostics can accelerate development, improve clinical outcomes, and create a competitive advantage in areas where traditional therapies are limited.Where do you see radiopharmaceuticals and advanced preclinical models making the biggest impact in oncology or beyond?Explore the full conversation to learn how Bryan Miller and Crown Bioscience are scaling innovation for the next generation of cancer therapies.Connect with Bryan Miller:LinkedIn: www.linkedin.com/in/bryan-miller-148344aaCrown Bioscience: www.crownbio.comNext step:Need fast CMC guidance? → Get rapid CMC decision support hereSupport the show

Imagine treating cancer with the precision of a guided missile—delivering radioactive payloads directly to tumor cells. Radiopharmaceuticals are reshaping cancer diagnostics and therapy by pairing tumor-targeting molecules with radioisotopes for diagnosis or therapy. But what does it really take to develop these therapies, and why is interest from scientists, biotech companies, and pharma accelerating?In this episode, we're joined by Bryan Miller, Director of Scientific and Technical Operations at Crown Bioscience UK. From a PhD in cardiac disease to leading preclinical oncology and radiopharmaceutical programs, Bryan brings hands-on insight into building advanced cancer models and translating innovative therapies from bench to clinic.Topics discussed include:Bryan Miller's path from cardiac disease research to leading preclinical cancer model development (03:03)Crown Bioscience's comprehensive cancer model platforms, from organoids to PDX and humanized in vivo models (04:05)How radiopharmaceuticals differ from traditional chemotherapies in terms of safety and speed, including the concept of theranostics (07:32)The reasons behind the surge of interest in radiopharmaceuticals within science and industry (09:04)The importance of selecting the right preclinical model for success—and how AI and data-driven approaches will shape future workflows (10:11)Critical pitfalls and unique technical challenges in radiopharmaceutical drug development (12:46)Crown Bioscience's collaborative approach with Medicines Discovery Catapult to navigate the complexities of radiopharmaceutical research (13:35)The diverse client needs, from small startups to global pharma companies, and how mature their development programs can be (14:20)Strategies for scaling preclinical and translational capabilities to meet growing demand in radiopharmaceutical studies (16:04)Strategic insight:Radiopharmaceutical success requires integrated design from the start—combining precise model selection, targeting strategy, isotope choice, linker chemistry, and rigorous QC. Programs that establish this comprehensive foundation early move faster and with higher translational confidence than those addressing these elements sequentially or treating any aspect as a downstream refinement.If you're curious about the real challenges of drug development, the rise of theranostics, and how data-driven approaches (including AI) are shaping preclinical workflows, this episode delivers actionable strategies and insider perspectives for scientists and biotech innovators alike.Connect with Bryan Miller:LinkedIn: www.linkedin.com/in/bryan-miller-148344aaCrown Bioscience: www.crownbio.comNext step:Need fast CMC guidance? → Get rapid CMC decision support hereSupport the show

Allen, Joel, and Yolanda discuss the North Sea Summit where nine European countries committed to 100 gigawatts of offshore wind capacity and the massive economic impact that comes with it. They also break down the federal court ruling that allows Vineyard Wind to resume construction with a tight 45-day window before installation vessels leave. Plus GE Vernova’s Q4 results show $600 million in wind losses and Wind Power Lab CEO Lene Helstern raises concerns about blade quality across the industry. Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! The Uptime Wind Energy Podcast brought to you by Strike Tape, protecting thousands of wind turbines from lightning damage worldwide. Visit strike tape.com. And now your hosts, Allen Hall, Rosemary Barnes, Joel Saxum, and Yolanda Padron.  Speaker 2: Welcome to the Uptime Wind Energy Podcast. I’m your host, Alln Hall. I’m here with Yolanda Padron and Joel Saxum. Rosemary Barnes is snorkeling at the Greek Barrier Reef this week, uh, big news out of Northern Europe. Uh, the Northeast Summit, which happened in Hamburg, uh, about a week or so ago, nine European countries are. Making a huge commitment for offshore wind. So it’s the, the countries involved are Britain, Belgium, Denmark, France, Germany, Iceland, question Mark Ireland, Luxembourg, Netherlands, and Norway. That together they want to develop [00:01:00] 100 gigawatts of offshore wind capacity in shared waters. Uh, that’s enough to power about. 85 million households and the PAC comes as Europe is trying to wean itself from natural gas from where they had it previously and the United States. Uh, so they, they would become electricity in independent. Uh, and this is one way to do it. Two big happy, uh, companies. At the moment, Vattenfall who develops s lot offshore and Siemens gaa of course, are really excited by the news. If you run the numbers and you, you, you have a hundred gigawatts out in the water and you’re using 20 megawatt turbines, then you’re talking about 5,000 turbines in the water total. That is a huge offshore wind order, and I, I think this would be great news for. Obviously Vestas and [00:02:00] Siemens cesa. Uh, the, the question is there’s a lot of political maneuvering that is happening. It looks like Belgium, uh, as a country is not super active and offshore and is rethinking it and trying to figure out where they want to go. But I think the big names will stay, right? France and Germany, all in on offshore. Denmark will be Britain already is. So the question really is at the moment then. Can Siemens get back into the win game and start making money because they have projected themselves to be very profitable coming this year, into this year. This may be the, the stepping stone, Joel.  Joel Saxum: Well, I think that, yeah, we talked about last week their 21 megawatt, or 21 and a half megawatt. I believe it is. Big new flagship going to be ready to roll, uh, with the big auctions happening like AR seven in the uk. Uh, and you know, that’s eight gigawatts, 8.4 gigawatts there. People are gonna be, the, the order book’s gonna start to fill up, like [00:03:00]Siemens is, this is a possibility of a big turnaround. And to put some of these numbers in perspective, um, a hundred gigawatts of offshore wind. So what does that really mean? Right? Um, what it means is if you, if you take the, if you take two of the industrial big industrial powerhouses that are a part of this pact, the UK and Germany combine their total demand. That’s a hundred gigawatt. That’s what they, that’s what their demand is basically on a, you know, today. Right? So that’s gonna continue to grow, right? As, uh, we electrify a lot of things. And the indus, you know, the, the next, the Industrial Revolution 4.0 or whatever we’re calling it now is happening. Um, that’s, that’s a possibility, right? So this a hundred gigawatts of offshore wind. Is gonna drive jobs all up all over Europe. Right. This isn’t just a jobs at the port in Rotterdam or wherever it may be. Right? This is, this is manufacturing jobs, supply chain jobs, the same stuff we’ve been talking about on the podcast for a while here with [00:04:00] what the UK is doing with OWGP and the, or e Catapult and all the kind of the monies that the, the, the Crown and, and other, uh, private entities are putting in there. They’re starting to really, they’re, or this a hundred gigawatts is really gonna look like building out that local supply chain. Jobs, all these different things. ’cause Alan, like you, you mentioned off air. If you look at a hundred gigawatts of offshore wind, that’s $200 billion or was to put it in Euros, 175 billion euros, 170 billion euros, just in turbine orders. Right. That doesn’t mean, or that doesn’t cover ships, lodging, food, like, you know, everything around the ports like tools, PPE, all of the stuff that’s needed by this industry. I mean, there’s a, there’s a trillion dollar impact here.  Speaker 2: Oh, it’s close. Yeah. It’s at least 500 billion, I would say. And Yolanda, from the asset management side, have we seen anything of this scale to manage? It does seem like there’d be a lot of [00:05:00] turbines in the water. A whole bunch of moving pieces, ships, turbines, cables, transformers, substations, going different directions. How, what kind of infrastructure is that going to take?  Yolanda Padron: You know, a lot of the teams that are there, they’re used to doing this on a grand scale, but globally, right? And so having this be all at once in the UK is definitely gonna be interesting. It’ll be a good opportunity for everybody to take all of the lessons learned to, to just try to make sure that they don’t come across any issues that they might have seen in the past, in other sites, in other countries. They just bring everything back home to their countries and then just make sure that everything’s fine. Um, from like development, construction, and, and operations.  Joel Saxum: I was thinking about that. Just thinking about development, construction, operations, right? So some of [00:06:00] these sites we’re thinking about like how, you know, that, that, that map of offshore wind in, in the Northern Atlantic, right? So if this is gonna go and we’re talking about the countries involved here, Norway, Germany, Denmark, France, Belgium, you’re gonna have it all over. So into the Baltic Sea. Around Denmark, into the Norwegian waters, uk, Ireland all the way over, and Iceland is there. I don’t think there’s gonna be any development there. I think maybe they’re just there as a, as cheerleaders. Um, offtake, possibly, yes. Some cables running over there. But you’re going to need to repurpose some of the existing infrastructure, or you’re not, not, you’re going to need to, you’re going to get the opportunity to, and this hasn’t happened in offshore wind yet, right? So. Basically repowering offshore wind, and you’re going to be able to look at, you know, you’re not doing, um, greenfield geotechnical work and greenfield, um, sub c mapping. Like, some of those things are done right, or most of those things are done. So there, I know there’s a lot of, like, there’s a, there’s two and [00:07:00] three and six and seven megawatt turbines all over the North Atlantic, so we’re gonna be able to pop some of those up. Put some 15 and 20 megawatt machines in place there. I mean, of course you’re not gonna be able to reuse the same mono piles, but when it comes to Yolanda, like you said, the lessons learned, Hey, the vessel plans for this area are done. The how, how, how we change crews out here, the CTVs and now and SOVs into port and that stuff, that those learnings are done. How do we maintain export cables and inter array cables with the geotechnic here, you’re not in a green field, you’re in a brown field. That, that, that work. A lot of those lessons learned. They’re done, right? You’ve, you’ve stumbled through them, you’ve made those mistakes. You’ve had to learn on the fly and go ahead here. But when you go to the next phase of Repowering, an offshore wind farm, the the Dev X cost is gonna go way down, in my opinion. Now, someone, someone may fight back on that and say, well, we have to go do some demolition or something of that sort. I’m not sure, but [00:08:00] Yolanda Padron: yeah. But I think, you know. We like to complain sometimes in the US about how some of the studies just aren’t catered toward us, right? And so we’ve seen it a lot and it’s a lot of the studies that are made are just made in Europe where, where this is all taking place. So it’s gonna be really, really interesting to see such a massive growth where everything’s being developed and where the studies are localized from where. You have this very niche area and they can, they’ve studied it. They know exactly what’s going on there. And to your point, they’ve seen a lot of, they’ve minimized the risk, like the environmental risks as much as they could. Right. And so it’s, it’s going to be really, really interesting to have them  Joel Saxum: ensuring and financing these projects should be way easier  Speaker 2: when Europe is saying that the industry has pledged to cut costs by 30% between. 20, 25 and 2040. So you would think that the turbine [00:09:00] costs and the installation costs would have to be really cost conscious on the supply chain and, uh, taking lessons learned from the previous generations of offshore wind. I think that makes sense. 30% is still a lot, and I, I think the, the feeling I’m getting from this is, Hey, we’re making a hundred gigawatt commitment to this industry. You have to work really hard to deliver a efficient product, get the cost down so it’s not costing as much as, you know. Could do if we, if we did it today, and we’re kind of in from an offshore standpoint over in Europe, what a generation are we in, in terms of turbines three? Are we going into four? A lot of lessons learned. Joel Saxum: Yeah. The, the new Siemens one’s probably generation four. Yeah. I would say generation four in the new, because you went from like the two and three megawatt machines. Like there’s like Vesta three megawatts all over the place, and then you went into the directive [00:10:00] machines. You got into that seven and eight megawatt class, and then you got into the, where we’re at now, the 15, the 12 and 15 megawatt units, the Docker bank style stuff, and then I would say generation four is the, yeah, the Siemens 21 and a half machine. Um, that’s a good way to look at it. Alan four we’re on the fourth generation of offshore wind and, and so it’s Generation one is about ready to start being cycled. There’s some, and some of these are easier, they’re nearer to shore. We’ll see what, uh, who starts to take those projects on. ’cause that’s gonna be an undertaking too. Question on the 30%, uh, wind Europe says industry has pledged to cut cost by 30% by 20. Is that. LCOE or is it devex costs or is it operational costs or did they, were they specific on it or they just kinda like cut cutting costs?  Speaker 2: My recollection when that first came about, which was six months ago, maybe a little longer, it was LCOE, [00:11:00] right? So they’re, they’re trying to drive down the, uh, dollars per, or euros per megawatt hour output, but that the capital costs, if the governments can help with the capital costs. On the interest rates, just posting bonds and keeping that down, keeping the interest rates low for these projects by funding them somehow or financing them, that will help a tremendous amount. ’cause if. Interest rates remain high. I know Europe is much lower than it is in the United States at the minute, but if they interest rates start to creep up, these projects will not happen. They’re marginal  Joel Saxum: because you have your central in, in, in Europe, you have your central bank interest rates, but even like the f the, the Indi Individual nation states will subsidize that. Right? Like if you go to buy a house in Denmark right now, you pay like 1.2%. Interest  Speaker 2: compared to what, six and a half right now in the states? Yeah, it’s low.  Speaker 4: Australia’s wind farms are [00:12:00] growing fast. But are your operations keeping up? Join us February 17th and 18th at Melbourne’s Pullman on the park for Wind energy o and M Australia 2026, where you’ll connect with the experts solving real problems in maintenance asset management. And OEM relations. Walk away with practical strategies to cut costs and boost uptime that you can use the moment you’re back on site. Register now at WMA 2020 six.com. Wind Energy o and m Australia is created by wind professionals for wind professionals because this industry needs solutions, not speeches,  Speaker 2: as we all know. On December 22nd, the federal government issued a stop work order. On all offshore winds that included vineyard wind up off the coast of Massachusetts, that’s a 62 turbine, $4.5 billion wind farm. Uh, that’s being powered by some GE turbines. Uh, the government [00:13:00] has, uh, cited national security concerns, but vineyard went to court and Federal Judge Brian Murphy rolled the, the administration failed to adequately explain or justify the decision to shut it down. Uh, the judge issued a stay, which it is allowing Vineyard went to immediately resume work on the project now. They’re close to being finished at a vineyard. There are 44 turbines that are up and running right now and creating power and delivering power on shore. There are 17 that are partially installed. Uh, when the stop order came. The biggest issue at the moment, if they can’t get rolling again, there are 10 towers with Noels on them, what they call hammerheads. That don’t have blades. And, uh, the vineyard wind. Last week as we were recording this, said you really don’t want hammerheads out in the water because they become a risk. They’re not assembled, completed [00:14:00] items. So lightning strikes and other things could happen, and you really don’t want them to be that way. You want to finish those turbines, so now they have an opportunity to do it. The window’s gonna be short. And Yolanda listening to some GE discussions, they were announcing their Q4 results from last year. The ships are available till about the end of March, and then the ships are gonna finally go away and go work on another project. So they have about 45 days to get these turbines done. I guess my question is, can they get it done work-wise? And I, I, I guess the, the issue is they gotta get the turbines running and if they do maintenance on it, that’s gonna be okay. So I’m wondering what they do with blade sets. Do they have a, a set of blades that are, maybe they pass QC but they would like them to be better? Do they install ’em just to get a turbine operational even temporarily to get this project quote unquote completed so they can get paid?  Yolanda Padron: Yeah. If, if the risk is low, low [00:15:00] enough, it, it should be. I mean a little bit tight, but what, what else can you do? Right? I mean, the vessel, like you might have a shot of getting the vessel back eventually, or being able to get something in so you can do some of the blade repairs. And the blade repairs of tower would require a different vessel than like bringing in a whole blade, right? And so just. You have a very limited time scope to be able to do everything. So I don’t know that I would risk just not being able to pull this off altogether and just risk the, you know, the rest of the tower by not having a complete, you know, LPS and everything on there just because not everything’s a hundred percent perfect. Joel Saxum: There’s a weird mix in technical and commercial risk here, right? Because. Technically, we have these hammerheads out there, right? There’s a million things that can happen with those. Like I, I’ve [00:16:00] personally done RCAs where, um, you have a hammerhead on this was onshore, right? But they, they will get, um, what’s called, uh, Viv, uh, vortex induced vibration. So when they don’t have the full components out there, wind will go by and they’ll start to shake these things. I’ve seen it where they shook them so much because they’re not designed to be up there like that. They shook them so much that like the bolts started loosening and concrete started cracking in the foundations and like it destroyed the cable systems inside the tower ’cause they sat there and vibrated so violently. So like that kind of stuff is a possibility if you don’t have the right, you know. Viv protection on and those kind of things, let alone lightning risk and some other things. So you have this technical risk of them sitting out there like that. But you also have the commercial risk, right? Because the, the banks, the financiers, the insurance companies, there’s the construction policies and there’s, there’s, you gotta hit these certain timelines or it’s just like if you’re building a house, right? You’re building a house, you have to go by the loan that the bank gives you in, you know, in micro [00:17:00] terms to kind of think about that. That’s the same thing that happens with this project, except for this project’s four and a half billion dollars and probably has. It’s 6, 8, 10 banks involved in it. Right? So you have a lot of, there’s a lot of commercial risk. If you don’t, if you don’t move forward when you have the opportunity to, they won’t, they’ll frown on that. Right? But then you have to balance the technical side. So, so looking at the project as a whole, you’ve got 62 turbines, 44 or fully operational. So that leaves us with 18 that are not. Of those 18, you said Alan? 10 needed blades.  Speaker 2: 10 need blades, and one still needs to be erected.  Joel Saxum: Okay, so what’s the other seven?  Speaker 2: They’re partially installed, so they, they haven’t completed the turbine, so everything’s put together, but they haven’t powered them up yet.  Joel Saxum: I was told that. Basically with the kit that they have out of vineyard wind, that they can do one turbine a day blades. Speaker 2: That would be, yeah, that would make sense to me.  Joel Saxum: But, but you also have to, you have 45 days of vessel time left. You said they’re gonna leave in March, but you also gotta think it’s fricking winter in. The, [00:18:00] in the Atlantic  Speaker 2: they are using jackass. However, there’s big snow storms and, and low uh, pressure storms that are rolling through just that area. ’cause they, they’ve kind of come to the Midwest and then shoot up the east coast. That’s where you see New York City with a lot of snow. Boston had a lot of snow just recently. They’re supposed to get another storm like that. And then once it hits Boston, it kind of hits the water, which is where vineyard is. So turbulent water for sure. Super cold this time of year out there,  Joel Saxum: but wind, you can’t sling blades in, in probably more than what, six meters per second’s? Probably your cutoff.  Speaker 2: Yeah. This is not the best time of year to be putting blade sets up offshore us.  Joel Saxum: Technically, if you had blue skies, yeah, this thing can get done and we can move. But with weather risk added in you, you’ve got, there’s some wild cards there.  Speaker 2: I It’s gonna be close.  Joel Saxum: Yeah. If we looked at the, the weather, it looks like even, I think this coming weekend now we’re recording in January here, and [00:19:00] this weekend’s, first week in February coming, there’s supposed to be another storm rolling up through there too. Speaker 2: It was pretty typical having lived in Massachusetts almost 25 years. It will be stormy until April. So we’re talking about the time span of which GE and Vineyard want to be done. That’s a rough period for snow. And as historically, uh, that timeframe is also when nor’easters happened, where the storms just sit there and cyclone off the shore around vineyard and then dump the snow back on land. Those storms are really violent and there’s no way they’re gonna be hanging. Anything out in the water, so I think it’s gonna be close. They’re gonna have to hope for good weather. Don’t let blade damage catch you off guard. OGs, ping sensors detect issues before they become expensive, time consuming problems from ice buildup and lightning strikes to pitch misalignment and internal blade cracks. OGs Ping has you covered The cutting edge sensors are easy to install, giving you [00:20:00] the power to stop damage before it’s too late. Visit eLog ping.com and take control of your turbine’s health today. So while GE Ver Nova celebrated strong results in its Q4 report, in both its energy and electrification business, the company’s wind division told a different story. In the fourth quarter of 2025, wind revenue fell 24% to $2.37 billion. Uh, driven primarily by offshore wind struggles, vineyard, wind, uh. The company recorded approximately $600 million in win losses for the full year up from earlier expectations of about $400 million. That’s what I remember from last summer. Uh, the, the culprit was. All vineyard wind, they gotta get this project done. And with this work stoppages, it just keeps dragging it on and on and on. And I know GE has really wanted to wrap that up as [00:21:00] fast as they can. Uh, CEO Scott Straza has said the company delivered strong financial results, which they clearly have because they’re gas turbine business is taking orders out to roughly 2035, and I think the number on the back order was gonna be somewhere in the realm of 150 billion. Dollars, which is an astronomical number for back orders. And because they had the back orders that far out, they’re raising prices which improves margins, which makes everybody on the stock market happy. You would think, Joel? Except after the, the Q4 results today, GE Renovo stock is really flat,  Joel Saxum: which is an odd thing, right? I talk about it all the time. Um, I’m always thinking they’re gonna drop and they go up and they go up and they go up. But today was just kind of like a, I don’t know how to take it. Yeah. And I don’t know if it’s a, a broader sentiment across what the market was doing today because there was some other tech earnings and things of that sort, but it’s always something to watch, right? So. Uh, there, [00:22:00] there’s some interesting stuff going on on in the GE world, but one thing I want to touch on here, we’re talking like vineyard wind caused them this, these delays right there is a, a, a larger call to understand why there was these delays and because it’s causing. Havoc across the industry. Right. But even the, like, a lot of like, uh, conservative lawmakers, like there were some senators and stuff coming out saying like, we need more transparency to understand these 90 day halts because of what it’s doing to the industry, right? Because to date there hasn’t been really any explanation and the judges have been just kind of throwing ’em out. Um, but you can see what it’s done here to ge. Recording $600 million in win losses. I mean, and that is mostly all vineyard wind, right? But there’s a little bit of Dogger bank stuff in there. I would imagine  Speaker 2: a tiny bit. Really? ’cause Dogger has been a lot less stressful to ge.  Joel Saxum: But it is, yeah. The, the uncertainty of the market. And that’s why we kind of said a little bit, I said a little bit ago, like when this thing is done, when Vineyard [00:23:00] Point is like, and when you can put the final nail in the coffin of construction on that, it is gonna be agh sigh of relief over at GEs offices For sure.  Speaker 2: Our friend Alina, Hal Stern appeared in Energy Watch this week and she’s spent a long time in the wind industry. She’s been in it 25 years, and, uh, she commented that she’s seeing some troubling things. Uh, she’s also the new CEO of Wind Power Lab over in Denmark, and they’re a consultancy firm on wind turbines and particularly blades. Uh, Lena says that she’s watched some. Really significant manufacturing errors in operational defects and wind turbine blades become more frequent. And in 2025 alone, Windpower lab analyzed and provided repair recommendations for over 700 blades globally. And I assume, or Blade Whisperer Morton Hamburg was involved in a number of those. Uh, the problem she says is that the market eagerly, uh, [00:24:00] demanded cheap turbines, which is true. And, uh. Everything had to be done faster and with lower costs, and you end up with a product that reflects that. Uh, we’ve had Lena on a podcast a couple of times, super smart. Uh, she’s great to talk to, get offline and understand what’s happening behind the scenes. And, uh, in some of these conference rooms between asset managers, operators, and OEMs, those are sometimes tough. Discussions, but I, I think Lena’s pointing out something that I, the industry has been trying to deal with and she’s raising it up sort of to a higher level because she has that weight to do that. We have some issues with blades that we need to figure out pretty quickly. And Yolanda, you ran, uh, a large, uh, operator in the United States. We’re dealing with more than a thousand turbines. How locked in is Lena, uh, to [00:25:00]some of these issues? And are they purely driven just by the push to lower the cost of the blades or was it more of a speed issue that they making a longer blades in the same amount of time? Where’s that balance and, and what are we going to do about it going forward as we continue to make larger turbines?  Yolanda Padron: She’s great with, with her point, and I think it’s. A little bit about the, or equally about the OEMs maybe not being aware of these issues as much, or not having the, the bandwidth to take care of these issues with limited staff and just a lot of the people who are charge of developing and constructing these projects at a very short amount of time, or at least with having to wear so many hats that they. Don’t necessarily have the, the bandwidth to do a deep dive on what the potential risks could be in [00:26:00] operations. And so I think the way I’ve, I’ve seen it, I’ve experienced it. It’s almost like everybody’s running a marathon. Their shoe laces untied, so they trip and then they just kind of keep on running ’cause you’re behind, ’cause you tripped. And so it just keeps on, it’s, it’s, it’s a vicious cycle. Um. But, uh, we’ve also seen just, just in our time together and everything, that there’s a lot of people that are noticing this and that are taking the time to just pause, you know, tie those releases and just talk to each other a little bit more of, Hey, I’m the one engineer doing this for so many turbines. You have these turbines too. Are you seeing this issue? Yes. No. Are, how are you tackling it? How have you tackled it in the past? How can we work together to, to use the data we have? Right? That, I mean, if you’re not going to get a really great answer from your OEMs or if you’re not going to get a lot of [00:27:00] easily available answers just from the dataset that you’re seeing from your turbine, it’s really easy now to to reach out to other people within the industry and to be able to talk it over, which I think is something that Lena. Is definitely encouraging here.  Joel Saxum: Yeah. Yeah. It’s, I mean, she, she makes a statement about owners needing to be technically mature, ensure you have inspections, get your TSAs right. So these are, again, it’s lessons learned. It’s sharing knowledge within the market because at the end of the day, this is a new, not a new reality. This is the reality we’re living in. Right. It’s not new. Um, but, but we’re getting better at it. I think that’s the, the important thing here, right? From a, from a. If we take a, the collective group of operators in the world and say like, you know, where were you two, three years ago and where are you today? I think we’re in a much better place, and that’s from knowledge sharing and, and understanding these issues. And, you know, we’re, we’re at the behest of, uh, good, fast, cheap pick. [00:28:00] Right. And so that’s got us where we are today. But now we’re, we’re starting to get best practices, lessons learned, fix things for the next go around. And you’re seeing efforts at the OEM level as well to, uh, and some, some of these consultants coming out, um, to, to try to fix some of these manufacturing issues. You know, Alan, you and I have talked with DFS composites with Gulf Wind Technology. Like there, there’s things here that we could possibly fix. You’re starting to see operators do. Internal inspections to the blades on the ground before they fly them. That’s huge. Right? That’s been the Wind Power lab has been talking about that since 2021. Right. But the message is finally getting out to the industry of this is what you should be doing as a best practice to, you know, de-risk. ’cause that’s the whole thing. You de-risk, de-risk, de-risk. Uh, so I think. Lena’s spot on, right? We know that this, these things are happening. We’re working with the OEMs to do them, but it takes them a technically mature operator. And if you’re, if you don’t have the staff to be technically mature, go grab a consultant, [00:29:00] go grab someone that is to help you out. I think that’s a, that’s an important, uh, thing to take from this as well. Those people are out there, those groups are out there, so go and go in, enlist that to make sure you’re de-risking this thing, because at the end of the day, if we’re de-risking turbines. It’s better for the whole industry.  Speaker 2: Yeah. You want to grab somebody that has seen a lot of blades, not a sole consultant on a particular turbine mine. You’re talking about at this point in the development of the wind industry, you’re talking about wind power labs, sky specs kind of companies that have seen thousands of turbines and have a broad reach where they’ve done things globally, just not in Scandinavia or the US or Australia or somewhere else. They’ve, they’ve seen problems worldwide. Those people exist, and I, I don’t think we as an industry use them as much as we could, but it would get to the solutions faster because having seen so many global [00:30:00] issues with the St turbine, the solution set does vary depending on where you are. But it’s been proven out already. So even though you as an asset manager. May have never heard of this technique to make your performance better. You make your blades last longer. It’s probably been done at this point, unless it’s a brand new turbine. So a lot of the two x machines and three X machines, and now we’re talking about six X machines. There’s answers out there, but you’re gonna have to reach out to somebody who has a global reach. We’ve grown too big to do it small anymore,  Yolanda Padron: which really should be a relief to. All of the asset managers and operations people and everything out there, right? Like. You don’t have to use your turbines as Guinea pigs anymore. You don’t have to struggle with this.  Speaker 2: That wraps up another episode of the Uptime Wind Energy Podcast, and if today’s discussion sparked any questions or ideas, we’d love to hear from you. Reach out to us on LinkedIn and don’t forget to subscribe so you never miss an episode. [00:31:00] And if you found value in today’s conversation, please leave us a review. It really helps other wind energy professionals discover the show for Rosie, Yolanda and Joel. I am Alan Hall, and we’ll see you here next week on the Uptime Wind Energy Podcast.

February 1, 2026 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: 1 Corinthians 1:18-31. Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Send us a textEver pulled a 12 that turned into 14 because relief never came? We open the curtain on Air Force Security Forces and talk frankly about what keeps people in the beret—and what drives them out. From the missile field to the flight line to the range, we map the real forces that shape careers: schedules that never sleep, recalls that erase off-duty life, and the constant whiplash between boredom and chaos that only cops understand.We dig into the culture clashes that define the unit from the inside. Flight carries the grind—gates, patrols, reports, QC—while back office runs calendars, awards, and admin. That gap can warp incentives, sending strong patrolmen chasing stable hours instead of operational growth. Then there are the prestige sections: K9's unique mission with its own skill demands, Raven's tight community and travel perks that draw both admiration and side-eye, and CADM's critical training role that can feel insulated from flight. Each path offers real value and real tradeoffs, including promotion ceilings if you stay too long in a niche without deliberate rotation.Leadership is the hinge. The best leaders enforce standards, build fair schedules, and make sure recognition matches output. The worst pick the hardest option by default and forget the admin that makes careers—bullets, awards, and time for development. We share firsthand wins and misses, including the higher standard placed on defenders after off-duty mistakes and how that shapes trust. Still, the Defender identity forges resilient people; many of the Air Force's strongest first sergeants, group chiefs, and command chiefs grew up on flight.If you've ever asked whether you'd recommend SF to someone today, this conversation gives you the honest calculus: what you gain in discipline, composure, and leadership, and what it costs in time, predictability, and patience. If this resonated, tap follow, share it with a Defender, and drop a comment with the one change that would keep more cops in uniform.

January 25, 2026 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: 1 Corinthians 1:10-18. Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

FLOPPY DAYS 159 - The KayPro - Part 3 With Matt Jones Patreon: https://www.patreon.com/FloppyDays Sponsors: 8-Bit Classics Arcade Shopper and https://thekeep.net FutureVision Research Tuc's Workbench  Hello, and welcome to episode 159 of the Floppy Days Podcast for January, 2026.  I'm Randy Kindig, your host.  We are currently covering computers introduced in the year 1982 and, to that end, we are currently in the middle of a series of podcasts about the Kaypro line of computers.  Kaypro had a rich and varied family of computers; certainly much more so than I ever realized.  I was able to interview David Kay, son of the founder of KayPro, and president of the company for some time, in the previous two episodes.  This month we'll delve into history, tech specs, and more, through the topic of using the machine.  Next month we'll complete the series by starting with books and magazines and ending with current Web sites and a lot more content in between. I will have a video version of this episode posted to the Floppy Days Podcast channel on YouTube. You will hear ads from some great vintage computer stores, themselves vintage computer fans, throughout the early part of this podcast.  For all of these storefronts, when you place an order, please mention Floppy Days in the notes or comments of the order.  Doing so will help support the podcast.  Many thanks!! I also wanted to mention those listeners who appreciate the show enough to donate through patreon.com.   I really appreciate you guys and it helps offset the cost of running the podcast. Regarding that, I've created some tiers for paid members and have come up with some ways to reward those who are generous enough to monetarily support the Floppy Days Podcast on Patreon (https://www.patreon.com/FloppyDays ), such as early access to videos of interviews like the one being brought to you in audio form in this episode.  Visit Patreon to see more details concerning the rewards for supporters . I just want to say that it is my intention to always make all content available to everyone at no cost, while at the same time providing some benefits for those generous enough to support the podcast. I hope you agree I've come up with a good compromise Please let me know your thoughts. Enjoy!! New Acquisitions C64 Ultimate - https://www.commodore.net  Smith Corona Ultrasonic 450 Typewriter and Messenger Module - https://www.youtube.com/watch?v=FTcWEU2UPgM  News Interview with Stewart Cheifet for Floppy Days back in 2017 - https://floppydays.libsyn.com/floppy-days-78-interview-with-stewart-chefeit-computer-chronicles  Upcoming Vintage Computer Shows Vintage Computer Festival Montreal - Jan. 24-25, 2026 - Saint-Jean-sur-Richelieu, QC - https://vcfed.org/vcf-montreal/  Tandy Retro Show 2026 - Jan. 24-25 - virtual - tandyretroshow.com  Vintage Electronics Expo - Jan. 31, 2026 - Oakland Expo Center, Waterford, MI -  https://www.thevee.org/  Vintage Computer Festival SoCal - February 14-15, 2026 - Hotel Fera Events Center, Orange, CA - vcfsocal.com  Indy Classic Computer and Video Game Expo - March 20-22 - Wyndham Indianapolis Airport Hotel, Indianapolis, IN - https://indyclassic.org/  VCF East - April 17-19 2026 - InfoAge Science and History Museums, Wall, NJ - https://vcfed.org/events/vintage-computer-festival-east/  Midwest Gaming Classic - April 24-26 - Baird Center, Milwaukee, WI - https://www.midwestgamingclassic.com/  The Annual "Last" Chicago CoCoFEST! - April 24-25, 2026 - Holiday Inn & Suites Chicago-Carol Stream (Wheaton), Carol Stream, Illinois - https://www.glensideccc.com/cocofest/  Commodore Los Angeles Super Show 2026 - April 25-26 - Burbank, CA  - http://www.portcommodore.com/class  VCF Europe - May 1-3 - Munich, Germany - https://vcfe.org/E/  Vintage Computer Festival Pacific Northwest 2026 - May 2-3 - Tukwila Community Center, South Tukwila, WA -  https://vcfpnw.org  VCF Southwest - May 29-31, 2026 - Westin Dallas Ft. Worth Airport - https://www.vcfsw.org/  Retrofest 2026 - May 30-31 - Steam Museum of the Great Western Railway, Swindon, UK - https://retrofest.uk/  Schedule Published on Floppy Days Website - https://docs.google.com/document/d/e/2PACX-1vSeLsg4hf5KZKtpxwUQgacCIsqeIdQeZniq3yE881wOCCYskpLVs5OO1PZLqRRF2t5fUUiaKByqQrgA/pub  References Wikipedia - https://en.wikipedia.org/wiki/Kaypro  KayPro (CP/M) information at retrocmp.de - https://retrocmp.de/kaypro  KayPro Journal - http://kayprojournal.com   

NEWS: Court orders Bong Revilla detained in QC jail | Jan. 21, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribeVisit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

SEASON 2 - EPISODE 177 - James Slattery - Colourist In this extended episode of the Team Deakins Podcast, we speak with colourist James Slattery (THE LOST BUS, EMPIRE OF LIGHT, 1917). How does someone become a colourist? What do they really do? What is a CDL? DI? QC? DIT? P3? HDR? James, with whom we've worked with several times, graciously explains what all these acronyms (and more) mean, how a colourist generally goes about their work nowadays on any given project, and what he's able to do to help filmmakers solve problems and help realize their visions in the final stages of post-production. James has experience timing dailies and also applying the finishing grade, and he helps us explain the different responsibilities and expectations of each process. James later helps us provide an overview of the different types of deliverables for a film, and he shares some common mistakes young colorists today should avoid. Though the role of a colourist is technically and creatively demanding, James, throughout our conversation, stresses the importance of being able to work with others as a member of the team. - This episode is sponsored by Aputure

Send us a textShoppers judge a shed in seconds, and they judge it by the finish. We sat down with Pittsburgh Paints to unpack how a shed-first coatings program can transform more than the surface: faster throughput, tighter color control, easier sales, and a stronger brand at the lot.We get into their rebrand and why the True Industrial division focuses on manufacturers' realities—airless application on pre-primed siding, one-coat hide on tricky whites, and waterborne transparent urethanes that deliver the stained look without the slowdowns. You'll hear practical shop wins: why air movement beats heat for drying water-based systems, how to set up fans so panels behave like it's San Diego year-round, and the simple 50 percent overlap that erases zebra striping. The team explains why many shops can safely cut on-hand inventory by leaning on local stocking and next-day lead times, freeing up cash while keeping paint ready.Color becomes a strategic weapon here. We talk trend-driven palettes, regional collections, and making selection painless for buyers. On the execution side, store-level QC locks a standard so every batch matches, and a quick drill mix before application and touch-up keeps color consistent in the field. The conversation stays hands-on: reps bring their own rigs, paint alongside your team, and tune processes in place—because technique, tip size, and prep are what turn product specs into real-world results.We close by reframing warranty as partnership. Instead of a generic line on a brochure, it's tailored to the manufacturer's brand promise and customer expectations. If your name is on every shed, the finish is your reputation. This is a roadmap for builders and dealers who want coatings that sell the look, protect the structure, and streamline the work.If you're ready to sharpen your finish and your margins, hit play, then share your biggest paint or drying challenge—we'll surface the best solutions. And if this helped, subscribe, leave a review, and pass it to a fellow builder who needs a better finish strategy.For more information or to know more about the Shed Geek Podcast visit us at our website.Would you like to receive our weekly newsletter?  Sign up here.Follow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.To be a guest on the Shed Geek Podcast visit our website and fill out the "Contact Us" form.To suggest show topics or ask questions you want answered email us at info@shedgeek.com.This episodes Sponsors:Studio Sponsor: Shed ProLuxGuardMaking Sales SimpleCAL

NEWS: Court orders Bong Revilla detained in QC jail | Jan. 21, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribeVisit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

What happens when a scholar who studies death for a living discovers she must learn to truly live in her body? This haunting conversation explores literature, yoga, and the long road to embodiment. IN THIS EPISODE: Introduction to Finding Harmony Podcast Meet Jessica Murphy: Gothic Literature Scholar & Ashtanga Practitioner Teaching English Literature at the University of Iceland Jessica's Literary Works: Wishbone, Ossa Vivi, Moss & Rose Poetry, Novellas, and the Gothic Genre Victorian Literature vs. Romantic Period: Claiming Jane Austen and the Brontës Existentialism, Death, and Childhood Philosophy with Her Father Father's Influence: TM, Hippie Culture, and Zen Catholicism Coming to Ashtanga Yoga at Age 39 The Challenge of Backbends vs. Hip Openers & Arm Balances Using the Body to Be Embodied: Balancing Cerebral and Physical Work Kapotasana and the Death Drive: Flirting with Mortality Eating Disorder History and Ongoing Body Image Work Why Backbends Bring Up Old Wounds and Feelings of Not Enoughness The Beginner's Mind in Yoga Practice Creating False Equivalencies: Yoga Series as Academic Degrees LSD, Academic Structures, and Her Father's Generation Jack Kerouac's Journey and the Beats Memorization in Education: What We've Lost Reciting Shakespeare: "Tomorrow and Tomorrow and Tomorrow" William Blake's "The Tiger": Fearful Symmetry Reading from "The Face in the Window" (Gothic Short Story from Ossa Vivi) Visual Imagination and Playing with Language Meeting Her Husband: Two 19th Century Literature Scholars in Iceland Looking for Someone Like Herself vs. Someone Opposite Balancing Creative Writing with Academic Pressures The Difference Between Tenure Track and Department Member Positions Her Husband's Prolific Academic Output: Philosophy and Literature Writing as a Labor of Love vs. Academic Requirement Being "High on Life": Creativity and Sensitivity Why Creative People Struggle with Depression and Anxiety The World Feeling Like "Too Much": Colors, Sounds, People Artistic Pursuits as Protection from Overwhelming Sensations The Quiet Life with Cats and Writing and Yoga Russell's Invitation (That Got Declined) Victorian Tea Ceremonies and Paying for Art The Japanese Tea Ceremony as Art Form: Greg Kinsey's Story Bad Art, Bad Writing, and Bad Asanas Harmony's Inner Circle Mentorship Program Invitation This episode is a deep, insightful exploration of navigating life as a highly sensitive creative person, balancing intellectual pursuits with embodied practice, and finding home in your body after years of disconnection.   GUEST BIO: Having taught at Vanier College, Dawson College, and Université de Montréal in Montréal, Qc, Canada in the past, Jessica Murphy, Ph.D. currently lives in Reykjavík, Iceland and teaches English literature at the University of Iceland (Háskóli Íslands). Her areas of interest and expertise are Victorian and Romantic literature as well as detective novels, gothic fiction, and children's literature. In addition to publishing a novella entitled Wishbone (available on Amazon) and having her poetry published in an anthology featuring the works of poets from around the world entitled Words Apart: A Globe of Poetry, she has co-authored an epistolary novella, Moss and Rose and a collection of gothic short stories, Ossa Vivi, with Mae Kellert. Her scholarly publications include "'[T]he world's a beast, and I hate it!': Naturalism in Amy Levy's The Romance of a Shop" and an article on Arnold Bennett's The Old Wives' Tale. At present, she is working on a chapter on the double in Susanna Kaysen's Girl, Interrupted that will be included in a book, published by Routledge, featuring various essays on the doppelgänger. A cat lover and an avid Ashtangi, she has been practicing Ashtanga yoga for the last seven years. CONNECT WITH JESSICA: Instagram: https://www.instagram.com/drjcats/ Books available on Amazon and major retailers KEY TAKEAWAYS: Gothic literature and yoga philosophy both explore transformation, duality, and the shadow self Backbends can bring up body dysmorphia and old wounds—this is part of the healing work The poses that challenge us most teach us the most about ourselves Writing autobiographical fiction can be a powerful healing practice Highly sensitive creative people often need embodied practices to balance intellectual work Surrender doesn't mean giving up—it means releasing control of outcomes You can care for people without carrying their burdens Success in yoga isn't about mastery—it's about growth and self-discovery Memorization and recitation connect us to literary tradition and embodied knowledge FIND Harmony online: https://harmonyslater.com/ Harmony on IG: https://www.instagram.com/harmonyslaterofficial/ Finding Harmony Podcast on IG: https://www.instagram.com/findingharmonypodcast/ FREE Manifestation Activation: https://harmonyslater.kit.com/manifestation-activation

HEADLINES: Court orders Bong Revilla detained in QC jail | Jan. 21, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Join Ivoclar (AND US!) this February at LMT Lab Day in Chicago. Ivoclar will be offering 16 different educational lectures over the three-day event, giving dental professionals plenty of opportunities to learn, connect, and grow. Visit labday.com/Ivoclar to view the full schedule and register, and be sure to stop by and see the Ivoclar team in the Windy City. Cal-Lab Association Meeting in Chicago Feb 19-20 https://cal-lab.org/ LMT Lab Day Chicago Feb 19-21 https://lmtmag.com/lmtlabday Almost three years after his last appearance, Rob Nazzal returns to Voices From the Bench, this time joined by Mike Alessio of Bonadent Dental Laboratory (https://bonadent.com/). The conversation dives deep into lab leadership, culture, transparency, and how data—when used the right way—can empower teams instead of policing them. Mike shares his 32-year journey with Bonadent, from starting as a pickup-and-delivery driver to leading the Danaren division, and explains how a family-owned lab has grown into a multi-location organization without losing its people-first culture. Rob and Mike unpack the realities of tracking productivity on the lab floor, the challenges of sharing metrics openly, and why transparency builds trust, alignment, and accountability when done with intention. The discussion shifts to quality vs. productivity, the difficulty of truly measuring “quality,” and why labs must lead with craftsmanship before numbers. They also explore how digital workflows, QC processes, and proactive communication with doctors impact remakes, efficiency, and relationships. On the sales side, Rob breaks down how icortica (https://www.icortica.com/voices) helps labs grow by focusing on existing customers, improving retention, and giving sales teams real-time insights into what conversations they should be having—right before they walk into an office. Mike and Elvis share firsthand experiences using icortica (https://www.icortica.com/voices), highlighting how real-time data, centralized notes, and smart alerts change the way sales reps prepare, prioritize, and perform. The episode wraps with a look at Bonadent's unique culture (including their famous converted Walmart lab), long employee tenure, and why investing in people, transparency, and the right technology is the real key to sustainable growth in today's dental lab landscape. If you want to grow your business, you need clear insight into what's happening inside your operation and across your customer journey. That's where Icortica comes in. At Canadian Dental Labs, Icortica has become a cornerstone of how we operate—giving us at-a-glance visibility into performance, helping us focus our efforts, spot opportunities early, and solve problems before they grow. It takes the guesswork out of decision-making and shows us what to do next. Plus, the Icortica team is incredibly responsive and feels like a true partner in our success. If you're serious about growing your business and understanding your customers better, Icortica can get you there. Learn more at icortica.com/voices — Icortica, helping dental labs grow. Special Guests: Mike Alessio and Rob Nazzal.

Hi, It's Michele! Send me a text with who you want as a guest!This episode is sponsored by:"The Grouchy Architect" Opus 2 MBE, LLCChristian Nielsen-Palacios is a licensed architect with over 40 years of experience, primarily focused on quality assurance (QA), quality control (QC), and technical specification writing for architectural projects.LInk to website: https://thegrouchyarchitect.com/This episode is part of the "Design Your Architecture Firm", a mini-series within the podcast I've never met a woman architect before... with Michele Grace Hottel, Architect that will help you design and build the architecture and design firm that you have always wanted and bring in the projects that you will love working on.  Link to Blog for Text and Images:https://inmawomanarchitect.blogspot.com/2026/01/interview-with-jeff-echols-of.htmlJeff Echols of EchoEngagementFractional Chief Innovation Officer, Guiding AEC Leaders and their Teams on developing a Culture of Growth and Innovation | Technology and Business Transformation for Lasting Growth | Human-First Approach to AI | Fostering a Culture of Growth(317) 434-4221Let's connect on LinkedInBio: As the AEC industry increases its adoption of AI, Jeff Echols reminds leaders that technology fails without the right culture.Jeff acts as a strategic partner to firms, helping them move beyond the buzzwords to build a true 'Culture of Growth.' He helps leaders realize that being future-ready isn't about software—it's about the simultaneous elevation of your people, your organization, and your customers.If you want to navigate disruption without losing the human connection that drives your success, Jeff is the voice you need to hear.Link to MGHarchitect: MIchele Grace Hottel, Architect website for scheduling a consultation for an architecture and design project and guest and podcast sponsorship opportunities:https://www.mgharchitect.com/

January 18, 2026 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: John 1:35-42. Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

We The Growers sits down with Roach from Jungle Boys, and Adam & Paul from Proper Smoke Network & Proper Doinks.In this episode, we talk about the characteristics of high quality flower, how Adam & Paul came together to start their brand, and the upcoming partnership between Athena® R&D and Proper Doinks, who will be aiding in QC to help us figure out what inputs and variables really create the best flower on Earth.Listen now on Spotify or Apple Podcasts: https://open.spotify.com/show/5VrbpGbAE9JYn3I0Vo8zSy?si=5fe5deab1b454569Apple https://podcasts.apple.com/us/podcast/we-the-growers/id1620427747Follow Proper Doinks & Proper Smoke Network: https://www.instagram.com/propersmokeleague/ https://www.instagram.com/properdoinkstv/ Produced by the Athena Ag Team.We The Growers Podcast Instagram: https://www.instagram.com/wethegrowerspodcast/Athena Ag Instagram: https://www.instagram.com/athena.ag/Visit our Website: https://www.athenaag.com#WeTheGrowers #AthenaAg #ForTheCulture

Allen and Joel are joined by Pete Andrews, Managing Director at EchoBolt. They discuss the company’s new BoltWave inspection device, the shift from routine retightening to condition-based monitoring, and how ultrasonic technology helps operators manage blade stud and tower bolt integrity throughout the turbine lifecycle. Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining light on wind. Energy’s brightest innovators. This is the Progress Powering tomorrow. Pete Andrews: Pete, welcome to the program. Good to be back. Yeah. See you face to face. Yeah. Yes. This is wonderful. It’s a really great event to catch it with loads of the. UK innovation that are happening in the supply chain. So it’s, yeah, really nice to be here.  Allen Hall: This is really good to meet in person because we have seen a lot of bolt issues in the us, Canada, Australia, yeah. Uh, all around the world and every time bolt problems come up, I say, have you called Pete Andrews and Echo Bolt and gotten the kit to detect bolt issues? And then who’s Pete? Give me Pete’s phone number. Okay, sure. Uh, but now that we’re here in person, a lot has changed since we first talked to you probably two years ago.[00:01:00] You’re a bootstrap company based in the UK that has global presence, and I, I think it’s a good start to explain what the technology is and why Echo Bolt matters so much in today’s world.  Pete Andrews: Yeah, absolutely. So, um, as you said, we’re a uk, um, SME, there’s a team of 13 of us based here in the uk. Yeah. But we do deliver our services internationally, but really focused on Northern Europe. Yeah. But increasingly we’ve done more in the US and North America, a little bit in Canada. Um, but our big offering really is to help wind turbine operators and owners reduce the need to routinely retire in bulks. So we have a quick and simple inspection technology that people can deploy, find out the status of their bolt connections, and then. Reti them if necessary, but the vast majority of the time we find that they’re static and absolutely fine and can be left [00:02:00] alone. So it’s a real big efficiency boost for wind operators.  Joel Saxum: Well, you’re doing things by prescription now, right? Instead of just blanket cover, we’re gonna do all of this. It’s like, let’s work on the ones that actually need to be worked on. Let’s do the, the work that we actually need to, and instead of lugging, like we’re looking at the kit right here, and I can, you can hold the case in one hand, let alone the tools in a couple of fingers. As opposed to torque tensioning tools that are this big, they weigh a hundred kilos, and those come with all of their own problems. So I know that you guys said you’re, you’re focused here. You do a lot of work, um, in the offshore wind world as well. Yeah. I mean, offshore wind is where you add a zero right? To zeros. Yeah. Everything else is that much more complicated. It costs that much more. It’s you’re transitioning people offshore to the transition pieces. Like there’s so much more HSE risk, dollar risk, all of these different spend things. So. The Echo Bolt systems, these different tools that you have being developed and utilized here first make absolute sense, but now you guys are starting to go to onshore as well.  Pete Andrews: Yeah, that’s right. So I mean, as as you said, that there’s really [00:03:00] three main benefit areas we focus on. The first one is the health and safety of technicians, right? As you said, some of the fasteners used offshore now are up to MA hundred. So a hundred millimeter diameter bolts,  Joel Saxum: four inches for our American friends. Yeah, absolutely.  Pete Andrews: And they probably weigh. 30 kilos plus per bolt. Yeah. Um, so just the physical manual handling of that sort of equipment and the tightening equipment for those bolts is a huge risk for people. If you think 150 bolts lifting or maneuvering, the tooling around on on its own can cause all the problems. So as well as the inherent risk of the hydraulic kit failing. So occasionally we see catastrophic tool failure. Is, which have really high potential severity, you know, sort of tensioner heads ejecting or crush injuries from Tor. So that is really a key focus for our customers, just to [00:04:00] keep their teams safe, but also you have to be the cost effective and the the major cost benefit we allow is that we don’t have to revisit every bolt and every turbine like you’d have to do if you were retyping. So we believe there’s something of the order of a million pounds per installed gigawatt saving. By moving from a routine REIT uh, maintenance strategy to a focused condition based inspection, you significantly reduce the amount of intervention you make and keep your turbines running more and reduce the boots on the ground on the turbine. So three real kind of, um, key. Benefits for people adopting our technology  Allen Hall: because we routinely see tower bolts being reworked or retention depending on who the manufacturer is. And I’m watching this go on. I’m like, why are [00:05:00] we doing this? It seems, or the 10% rule, we’re tighten 10% this year, and they’ll come back and see how it’s going. That’s a little insane, right, because you’re just kind of. Tensioning bolts up to see if one of them has a problem and then you just do more of them and we’re wasting so much time because echo bolts figured this out years ago. You don’t need to do that. You can tell what the tension is in a bolt ultrasonically, which was the original technology, the first gen I’ll call it, uh, that you could tell the length of the bolt. If the length of the bolt is correct within certain parameters, you know that it is tension properly. If it’s shrunk, that probably means it’s not tensioned properly. That’s a huge advantage because you can’t physically see it. And I know I’ve seen technicians go, oh, I could take a hammer and I can tell you which ones are not tensioned properly wrong. Wrong. And I think that’s where equitable comes in because you’re actually applying a a lot of science simply [00:06:00] to a complex problem because the numbers are so big. Pete Andrews: Yeah, I mean that, that, that’s been the real. Driving force between our offering is to simplify it. So ultimately we’re based on a non-destructive testing technique. It’s an ultrasonic thickness checking technique, but when from the non-destructive testing background, it’s crack detection, people have time, they can be, it’s a very precision measurement. People have to be trained in the wind industry. We’re trying to inspect. A thousand, 2000 bolts a day at scale. It’s a completely different, um, ask of the technology and the way the technology has been developed historically has required too much technician expertise, too much configuration and set up time, and hasn’t delivered on the, on the speed that’s needed to be efficient in wind. And that’s where our bolt wave [00:07:00] unit we’ve, that we’ve developed over the last. 18 months, let’s say, where all of our focus has gone to make it as slick and as easy for a client technician to pick up with minimal training. It’s through an iOS interface. Everyone understands it intuitively. Um, it’s a bit like using the camera app on your phone. You know, you’re just hitting measure, measure, measure, measure, measure 10 seconds a bolt as you move the, um, ultrasonic transducer across, and then the data gets moved. Automatically to the cloud, to our bolt platform. And customers can view it in near real time. The engineer in the office can see the inspections happened. They can see if there are any anomalous bolts, and then there can be communication there and then whether an intervention is necessary. So it’s sort of really changed the way our customers think about managing their, um. They’re bolted joints.  Joel Saxum: Well, I think these are, these are the kind of innovations that we love to see, right? Because [00:08:00] we regularly talk about a shortage of technicians, and this isn’t, I was just learning this this week too, like this is not a wind problem. This is a everywhere problem. No matter what industry you’re in. Use are short of technicians. But we’re seeing like a tool like this is developed to be able to scale that workforce as well. Right. You don’t need to be an NDT level three expert to go and do these things. ’cause there’s a very few of those people out there. Right? Right. We know the NDT people, a lot of NDT people, and that’s a hard skillset to come by. Yeah. This can be put in the hands of any technician. Yeah, a quick training course. Just, Hey, this is how you use your iPhone. You can check Instagram, right? Yeah. Okay. You can off figure. Yeah, have fun. See you at lunch. Um, but they can, they can make this happen, right? They can go do these inspections and you’re getting that, that, uh, data collected in the field. Centralized back to an SME that’s looking at it and you don’t have to put that SME in the field and try to scale their ability to go and travel and do all these things. They can be in the office making sure that the, the QA, QC is done correctly. I love it. I think that that’s the way we need to go with a lot of things. [00:09:00]Uh, and you’re making it happen.  Pete Andrews: Yeah. And it’s a real kind of. F change in mindset for us. So originally when we started Ebot, we were using third party hardware. Yeah. Which required a bit of that specialism. Yeah. A bit of care about the setup of the project, getting multiple parameters configured before you got going. And it wasn’t really something we could put in the hands of a customer.  Joel Saxum: Yeah.  Pete Andrews: Which meant Ebot scale was limited to what our own team could go and do, and regionally as well. You know, so we’re UK based. Probably 60% of our customers are uk, but now we have this Northern Europe offshore wind is obviously on our doorstep, but then increasingly we’ve done more and more in North America, so we’ve probably been to five or six sites now in North America and expect that to be a growth market because we can, we can now ship the devices over there, give some virtual training help. Uh, [00:10:00] people set themselves up and then that opens up that market, you know, so it’s been a real change in strategy for us, but has allowed us to have far more impact than we otherwise would just try to be a pure service.  Allen Hall: Well, let’s talk about the big problem in the states of a minute, which are the root bushing or inserts that are loose in some blades. When you lose that pushing, you also lose the tension on the bolt that can be measured. Is that something you’re getting involved with quite a bit now because of just trying to determine how many bolts are affected and, and where we are on the safety scale of can we run this turbine or not? Is that something that EE bolt’s been looking into? Pete Andrews: Yeah, absolutely. So I, I’d say there’s sort of two halves of what we do. There’s the, there’s the bulk wholesale monitoring of. Typically static connections to eliminate this routine retitling where it’s not needed typically, typically. But then we have these edge cases of certain [00:11:00] connections and certain platforms that have known bolt integrity problems, and we are working with clients to really, um, manage those integrity risks. Blade stud is an absolute classic, you know, sort of, I think almost every turbine OEM on some, if not all of their platforms has got. Embedded risk into their blades, pitch bearing connections. Um, so yeah, exactly as you said, our customers are using the technology for two things really. One is to ensure the bolts have been tightened to the preload that was specified or the target window. And quite often we find there is an opportunity to increase the preload and therefore increase the resistance to fatigue failure. So. You know, particularly on older sites where the bolts perhaps not in the condition they were on day one. Well, they definitely won’t be. Um, when people have gone and retti them, they haven’t got back to where they, they should be.[00:12:00] So we can prove that and increase a bit of that resilience, but then also start to look for the segments around the joint where, um, the bolt might start loosening or failures are occurring, and find areas where they can really hone in. And actively manage risk. And that sort of leads to what we’ve decided to do for the next year, particularly with Blade Stud in mind, is evolve this technology. So whilst it’s also measuring the elongation, we will do a defect scan at the same time. So you’ll monitor your blade stu, um, connection and we’re hoping that we can set the device to flag to you there and then. We believe this bulk has got a defect while you’re here, get it changed out before it fails and, and all the knock on problems, um, from there. Joel Saxum: So what you’re just pointing to there is a, is a workflow, right? So to me that is typical [00:13:00] of some of the amazing, innovative companies in the UK that I’ve run into throughout my career. And that is, you’re a group of SMEs, you know, bolted connections. That’s what you do, right? But then you’re like, hey. If there’s a tool, we could make a tool that would make our lives a bit easier, then it’s like, well, we could make the entire industry’s lives a little bit easier as well. So let’s iterate on that. And now you’re able to send these kits around the world to look at these things. Hey, you have a problem with this specific model. We can help you with this because we know the failure mode and we know how to look for it. Let’s do that for you. Also here, you’re doing bolt bulk measurements. We got that for you. But it all kind of flows back to the fact that Echo Bolt is a team. A bolted connection, SMEs that are making tools and being able to also provide consulting if need be. Yeah. Right. Um, to, to an entire industry. And I think that, um, this is my take on it, right? Wind is stop number one. I think you guys are gonna do a fantastic year, but there’s a lot of, uh, opportunity out there in bolted [00:14:00] connections as well. Allen Hall: A tremendous amount blade bolts being broken from defects in the crystalline structure. What appears to be a more. Rapidly developing issue across fleets that I’ve seen. I went to a farm this summer and the number of blade bolts that were there on the table that were broken on the conference room table was And the whiteboard office. Yeah. Yeah. This one,  Joel Saxum: this one.  Allen Hall: Your hard head is not gonna protect you from this one. It’s, it’s, it was this, um, I couldn’t imagine the amount of time they were spending hunting these things down. And of course, the only way they were finding ’em was they were broken. You like to catch ’em before they break because it becomes  Joel Saxum: a safety risk. Just not too long ago we saw an insurance case where there’s an RCA going on and it is pointing at an entire tower came down. Right. And it is pointing at a mid, mid tower section bolted connection. How often do you guys run into those problems? Or are you contacted by insurance companies or anything like that to, to take a peek at those? Pete Andrews: We haven’t done anything directly for insurance [00:15:00]companies, but we have been engaged by. Engineering consultancies that are doing RCA type activities. Okay. Um, things like at the end of defect liability periods mm-hmm. A customer has, has seen, they’ve had a lot of, uh, issues from an OEM, maybe an OE EM has offered a modification or an upgrade, assessing whether that upgrade is actually solved the problem or not. We’ve got involved in, um, but the tower. Issue specifically. It’s actually very rare we find, um, problems with tower connections, but where we do is often where they haven’t achieved good flange flatness, ah, during installation or the bolts have been, let’s say, left out in the elements for a period and lubrication has been, has deteriorated before the bolt’s been installed. So there are cases out there, but what I would say is. [00:16:00] To think about your whole life cycle, so ensure the bolt’s installed correctly and we can help with that with a QA to say, yes, this torque or tightening method has got you to the load that you want. Do some through life monitoring, but often if you install it correctly, it will it’s operational life. You will have very little concern. But then in the UK market, we’re increasingly getting involved again at the end of life, right? Life extension where life extension turbines are 20, 25 years old. How does an operator make a decision to carry on running without replacing all bots? Um, and that’s where increasingly we being asked to use the technologist just to say, actually the joint is fine. The bolts have run in a good, um, operational envelope. Run them on. Don’t replace a hundred percent of them like you might have been recommended to from your, um, yeah. Turbine supplier side. [00:17:00] Allen Hall: So Pete, if someone’s doing a repower where they’re basically putting a new one in the cell on an existing tower, they’re making a lot of assumptions about all the bolts from the ground up that they’re gonna be okay. And I know we’re talking about that. We’re in a lot of installations where. If the turbine has gone through a repowered or two. So now those bolts are 20 years old. Yeah. And trying to get ’em to  Joel Saxum: 30 35. 35  Allen Hall: 40. Yeah. I don’t know what they’re doing. By those bolted connections. Are they just like replacing the bolts? Are they hitting ’em with a hammer again? Is that the, yeah,  Pete Andrews: I mean, they might replace ’em, but you’ve got a problem with the foundation bolts. ’cause they’re obviously often anchor bolts set into concrete, so you have to reuse them and. With the projects, both in wind and in process power industry with the chimney stacks to try and ascertain whether foundation bolts that are set into concrete are still suitable for operations. So look for corrosion losses, look for [00:18:00] defects. Um, so yeah, they’re all things that need thinking about before you just make the snap decision to repower. But I think  Joel Saxum: a lot of that, uh, going back to a couple minutes ago, you were talking about at the commissioning phase, making sure that you have proper qa, QC of how these things were installed day one, and then making sure that before commissioning of a turbine, they’re checked. I think that’s really important. We’re starting to see that in the blade world now too, where we’ve been talking about it for a long time, and now when you talk to operators, they’re like, we’re getting inspections done on the blades before they’re hung. Or at the factory before they’re hung. After they’re hung. Like they want a good foundation baseline. Are you seeing that in the bolted connection world too?  Pete Andrews: Yes. Sort of. It’s just emerging for us. What we’ve found is, so most of our customers are in the operational phase ’cause they are the ones feeling the pain. Yeah. Of the routine retitling work. When they do major components, they sometimes engage us to come and say, can you check [00:19:00] before and after the blade was removed? What was it? Before we took it off from a a bolt load perspective, what is it afterwards? Can you then recheck after 500 hours When we retalk it? And what we’ve seen there often is the initial install hasn’t got them to where they needed to be and they’ve had to go and do the break in maintenance or the 500 hour REIT to get the bolts to the right load. So one of the questions that we have is whether. Some of the defects are actually being initiated very early on in that initial running in period and whether if, if actually you’d taken the time at, at the point of assembly to make sure you were correct, whether that avoids some of the knock on integrity concerns. So yeah, it’s interesting area.  Allen Hall: Well, bolts are what hold wind turbines together and you better know you have the right. Tension and [00:20:00] torque on your bolts to get to the lifetime of the wind turbine and to, and to check it once in a while. And I know there’s a lot of operators I can think of right now in the United States that are sort of doing that job somewhat. I I think they have missed out on opportunities to save a lot of money and to call it echo bolt. How do people get ahold of you? Because that’s one thing I run into all the time. Like, Hey, hey, you gotta talk to Ebol, call Ebol. How do they get ahold of you?  Pete Andrews: So the easiest ways are via our website. Which is echo bolt.com. Um, LinkedIn, you’ll find us at Echo Bolt on LinkedIn. Reach out. Our email would be info@cobolt.com. So any of those route and you’ll, uh, reach me and the team and more than happy to speak to you about any of your faulting concerns or problems. We are, uh, yeah, we’re passionate about your problems.  Allen Hall: Pete, thank you so much for being on this podcast. I, it is great to actually see you in person and see the bolt wave technology. It’s really [00:21:00] impressive. So anybody out there that needs bolt tensioning to checking tools, you need to get ahold of Pete at Echo Bolt and get started today. Thank you Pete. Thanks guys. It’s great to be here.

For the first time ever, the Top 10 Breweries in Quebec is now officially an all-BAOS experience - from the podcast to the video to the blog! Twenty-twenty-five marks our seventh year of collating the best of the best breweries in the glorious province of Quebec, with Matt McGachy of Vox&Hops and Noah Forrest of Beerism joining Cee and Nate of BAOS to celebrate the top producers in the region. For the second year running, here's how the point system works: each of the four hosts prepares their Top 10 list of favourite Quebec breweries they consumed in 2025, with #1 receiving 10 points, #2 getting 9 points, and so on. All of those numbers are added up, and bam, you get the collective Top 10. One thing to note is that these are ALL just opinions, and are based on the beers that the boys actually drank over 2025 - if they didn't drink it, they don't include it, period. With that said - who do you think landed the coveted Brewery of the Year spot? Fetch some of your fave QC brews and hit play! BAOS Podcast Subscribe to the podcast on YouTube | Website | Theme tune: Cee - BrewHeads

Keith explores two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  0:27   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   Corey Coates  1:12   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  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   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,   Keith Weinhold  19:34   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 pre qual 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    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, Don't Quit Your Daydream.   Speaker 3  38:17   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  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com  

ANTIC Episode 124 In this episode of ANTIC The Atari 8-Bit Computer Podcast… We have lots of game news and  emulator updates, Brad imitates a pirate, and Kay tells us that the Atari 8-bit is the "Computer of Love"! READY! Recurring Links  Floppy Days Podcast  AtariArchives.org  AtariMagazines.com  Kay's Book "Terrible Nerd"  New Atari books scans at archive.org  ANTIC feedback at AtariAge  Atari interview discussion thread on AtariAge  Interview index: here  ANTIC Facebook Page  AHCS  Eaten By a Grue  Next Without For  What we've been up to Kay's 2025 Wrapped - https://www.patreon.com/posts/kays-2025-147182056  Support Kay's Patreon and support ANTIC! -  https://www.patreon.com/savetz  Annual posting of older articles: https://archive.org/details/savetz_articles?sort=-addeddate https://archive.org/details/savetzarticle_reverend-apple https://archive.org/details/savetzarticle_finding-randy https://archive.org/details/savetzarticle_the-making-of-antic Interim Computer Museum - https://icm.museum  Events at https://icm.museum/?events  Repairing The Atari 8 Bit Astra Big D Disk Drive! by Paul Westphal - https://www.youtube.com/watch?v=ZIZPgYxfrAU  Fujisan:  https://github.com/pedgarcia/fujisan/releases/tag/v1.1.0  Fujinet Lobby games - http://fujinet.online:8080/  FastBASIC - https://github.com/dmsc/fastbasic  Video from Paul Garcia showing Fujinet-PC integration - https://www.youtube.com/watch?v=Kwd0wwFohso  Indy Vintage Computer Club -  XF551 drive - https://en.wikipedia.org/wiki/Atari_XF551  Commodore 64 Ultimate - https://www.commodore.net  RM 800XL - https://revive-machines.com/index-en.html  Stan Veit Podcast: David Greelish and Randy read Chapter 13 ("The Atari Story") - https://www.youtube.com/watch?v=oLCoJ-oA_V0  Stan Veit @ wikipedia - https://en.wikipedia.org/wiki/Stan_Veit  New and Updated Games Ultimate Atari Games Database by Philippe Lafortune:  https://www.facebook.com/share/p/1JaKMQio82/?mibextid=wwXIfr  Invite link - https://airtable.com/invite/r/rhutWb7a  Atari Party Panic v1.2 by Andy Diller:  https://forums.atariage.com/topic/386758-atari-party-panic-v12/  https://massiverobot.itch.io/panic  New game: Carcer from h4plo: You can get it from here - https://h4plo.itch.io/carcer  Discussion - https://forums.atariage.com/topic/386514-new-game-carcer/  Overflow Santa - New Christmas game from A/W/A: https://forums.atariage.com/topic/386809-overflow-santa-new-christmas-game-from-awa/  Overflow Santa 8bit.xex(Atari 8-bit binary file)  Overflow Santa 8bit.rom(Atari 8-bit cartridge)  KillZone: First Real-Time Multiplayer Gaming - https://www.atariorbit.org/2025/12/13/killzone-v-1-2/  Street Fighter II Released!: https://forums.atariage.com/topic/381129-street-fighter-2-for-atari-xexl/page/25/#findComment-5759887  https://vega.atari.pl/  https://vega.atari.pl/main-page/street-fighter-ii/ Pole Position Now Saves Tracks Over FujiNet (Thom Cherryhomes): Discussion - https://forums.atariage.com/topic/387116-sharing-pole-position-race-designer-tracks-over-fujinet/  Video - https://www.youtube.com/watch?v=XI0sgh9DGaw  Atari 8-Bit/5200 Homebrew Games Released/Completed/WIP in 2025 - https://forums.atariage.com/topic/378311-atari-8-bit5200-homebrew-games-releasedcompletedwip-in-2025/  New and Updated Software News Years Disk 2026 - https://demozoo.org/productions/384184/  Altirra 4.40 released from Phaeron: https://forums.atariage.com/topic/387055-altirra-440-released/  https://www.virtualdub.org/altirra.html  New version 7.0 of ASAP, Another Slight Atari Player, the most accurate Atari 8-bit computers tunes player for modern computers and mobile devices - https://asap.sourceforge.net  Publications December, 2025 Compute's Gazette with ANTIC article written by Brian Cox - https://shop.computesgazette.com/product/computes-gazette-issue-6-digital-edition/  AtariProjects - https://atariprojects.org/  Atari Insights January 2026: Newsletters - https://ataribasics.com/newsletter-hub/  YouTube channel - https://www.youtube.com/@AtariBasics  New and Updated Hardware Atari SX212 WiFi Retromodem - https://tempestfpga.com/sx212/  XL-Expander, a prototype add-on for Atari 800XL machines - https://bsky.app/profile/philsan.bsky.social/post/3ma6ybpxd6s2j  Custom Casing for the 130XE Pixel Perfect Motherboard - https://forums.atariage.com/topic/383379-new-11-1000dpi-replica-of-atari-xe-motherboard-%E2%80%93-interest-check/page/10/#comment-5772225  3D printed joystick Atari XL computers style - https://makerworld.com/en/models/2108894-atari-xl-style-joystick#profileId-2281361  Atari 400 mini at Atari.com - https://atari.com/products/atari-400-mini-1  Other The Magic Room film ebay - https://www.ebay.com/itm/116928122102  A 'Playable' Atari-Themed Hotel Is Coming - https://people.com/atari-hotel-planned-for-phoenix-interactive-esports-venue-photos-11871760 Stewart Cheifet died: https://obits.goldsteinsfuneral.com/stewart-cheifet  https://archive.org/details/computerchronicles  Upcoming Shows Vintage Computer Festival Montreal - Jan. 24-25, 2026 - Saint-Jean-sur-Richelieu, QC - https://vcfed.org/vcf-montreal/  Vintage Electronics Expo - Jan. 31, 2026 - Oakland Expo Center, Waterford, MI -  https://www.thevee.org/  Vintage Computer Festival SoCal - February 14-15, 2026 - Hotel Fera Events Center, Orange, CA - vcfsocal.com  Indy Classic Computer and Video Game Expo - March 20-22 - Wyndham Indianapolis Airport Hotel, Indianapolis, IN - https://indyclassic.org/  VCF East - April 17-19 2026 - InfoAge Science and History Museums, Wall, NJ - https://vcfed.org/events/vintage-computer-festival-east/  Midwest Gaming Classic - April 24-26 - Baird Center, Milwaukee, WI - https://www.midwestgamingclassic.com/  VCF Europe - May 1-3 - Munich, Germany - https://vcfe.org/E/  Vintage Computer Festival Pacific Northwest 2026 - May 2-3 - Tukwila Community Center, South Tukwila, WA -  https://vcfpnw.org  VCF Southwest - May 29-31, 2026 - Westin Dallas Ft. Worth Airport - https://www.vcfsw.org/  Retrofest 2026 - May 30-31 - Steam Museum of the Great Western Railway, Swindon, UK - https://retrofest.uk/  YouTube Videos FujiNet Battleship now for Atari 8-bit, Apple II, CoCo, and MS-DOS - Thom Cherryhomes - https://www.youtube.com/shorts/3BQc3zVl8qk  How I made an Atari 130XE Laptop Using Original Hardware - Sideburn Studios - https://www.youtube.com/watch?v=FAKrEe_ttOE  The Atari 8-Bit Second Maturity (A 2025 Deep Dive) - AtariBasics with John Zielke - https://www.youtube.com/watch?v=5d3JgZMFZIo  FujiNet-RetroMate: Online Chess with Atari 8-bit Computers - Greg Gallardo - https://www.youtube.com/watch?v=H53JR2-PBQE  New at Github  https://github.com/mozzwald/pokeystream https://github.com/mozzwald/udp-pokey-sample https://github.com/rickcollette/atariforge https://github.com/fredlcore/ATASCOIID https://youtu.be/g4ffy4TXI-c?si=fihGVG0pGeuSOQqg  https://github.com/rachel-multiverse/rachel-atari-800  Listener Feedback https://github.com/gitGalu/8bitworkshop-mcp   

January 11, 2026 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: Matthew 3:13-17. Support the showCheck us out at ascensionlutheran.ca and intheway.org.

Ben Schwind presents an hour of music highlighting the QC music scene and beyond.

Good Morning BT with Bo Thompson and Beth Troutman | Thursday, January 8th, 2026. 6:05 Beth’s Song of the Day 6:20 Guest: Ray Stagich (Weather Channel Meteorologist) - Panthers Playoff game forecast 6:35 Bo and Beth talk snow days in the days of yore 6:50 RAM Biz Update; National Geographic ranks best pizza spots outside of NY and Chicago 7:05 Guest: Sherri Shepherd (Comedian) - Performing in Uptown Charlotte this weekend 7:20 Minnesota ICE shooting latest 7:35 Minnesota ICE shooting latest cont. 7:50 GMBTeam attempts another list 8:05 Cam Newton to bang Keep Pounding Drum ahead of Panthers playoff game vs Rams 8:20 Cam back in QC for Panthers playoff game | NFL Coaching Carrousel - John Harbaugh 8:35 GMBT Recap on Subway | More Subway news 8:50 Beth breaks humble brag record | Beth tries to continue the list 9:05 Guest: David Chadwick 9:20 David Chadwick cont. 9:35 Major GMBT announcement! 9:50 Show wrap | Chris Stapleton coming to Charlotte in 2026See omnystudio.com/listener for privacy information.

Many years ago in 2012, myself and a small team of people along with Coffee Fest Trade Shows had the pleasure of developing and running a competition called "America's Best Coffee House".  The first of it's kind team cafe competition that was, IMO, the most accurate to real cafe work competition ever made. To this day it remains unmatched in showcasing true-to-life barista skills that working baristas regularly engage in. We shipped and assembled on the show floor a fully functional coffee bar across the country 3x a year. (From POS, pour-over bar, back bar with sinks, front bar etc. the works!) Through a stringent application process including video submissions, written apps, and secret shopping, we invited cafe teams made up exclusively of 3 current baristas from that company to run this bar with a 10 min open shift, 30 min live bar serving actual customers from the show floor who also had weighted judging slips on their receipts, and a 10 min closing shift.  Along with our own standard cafe menu they were required to make, they brought their own coffee, sig drinks, pour over kettles etc. We had 3 judges judging all aspects of the competition and the teams never knew when the drinks they made would be judge by us since secret shoppers in the queue were instructed to deliver a range of drinks at random.   It was fantastic, complicated, effective, and expensive to produce (hence why we closed up shop in 2015) but the lessons we learned from the display of teamwork, cleanliness, communication, workflow, QC, hospitality, and more were incredible.  In this episode I am going to reminisce back to those competitions a bit and talk about the lessons and insights that were drawn from those intense real-life competitions and how they apply directly to your cafe. Will we ever see this competition rise up once more? Maybe not. But we can all raise our own standards and each pursue being the "Best Coffee House" where we are for the people we serve and serve with. Be sure to click the link below for a video produced during that time to see a slice of what we did. (Shout out to Joshua Boyt, Jesse Harriott, Jessica Rice, Terry Ziniewicz, Ryan Soeder, Pete Licata, Danny Loeschen, Aaron O'neal, and the Coffee Fest director at the time, David Heilbrunn.) We discuss: Integrity Real life vs on stage How time finds you out Prepare yourself for the unexpected You never know ow who is judging Team work Having a plan but being flexible Trusting the standards  Links: Video montage of America's Best Coffee House   Related Episodes:  492: How to be The Best Coffee Shop 298 : A Trophy, or Atrophy? SHIFT BREAK! Every Customer is a Judge   KEYS TO THE SHOP ALSO OFFERS 1:1 CONSULTING AND COACHING! If you are a cafe owner and want to work one on one with me to bring your shop to its next level and help bring you joy and freedom in the process then email  chris@keystothshop.com or book a free call now:  https://calendly.com/chrisdeferio/30min  SPONOR The world loves plant based beverages and baristas love the Barista Series!  www.pacificfoodservice.com

Canadian journalist Nora Loreto reads the latest headlines for Tuesday, January 6, 2026.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

If you've ever dreamed of launching a physical product—turning an idea into something tangible—you've probably noticed how overwhelming the process can feel. Manufacturing, sourcing, quality control, logistics, global suppliers…every step has layers most founders never see until they're already in trouble. In a world where disruptions happen daily and the global economy shifts without warning, the founders who succeed aren't just innovative—they're prepared. Today's guest, Kerim Kfuri, brings more than two decades of global supply chain expertise spanning technology, retail, spirits, sports equipment, and beyond. As Founder & CEO of The Atlas Network, he and his team help companies navigate the often-chaotic process of bringing products to market—handling everything from factory selection to QC, logistics, and end-to-end production. Kerim is also the author of Supply Chain Ups and Downs, creator of The Supply & Demand Show, and the first U.S.-based verified supplier and ambassador for Alibaba—giving him a uniquely global, modern perspective on how products really get made. In this episode, Kerim breaks down the mindset, knowledge, and strategies every founder needs before they ever produce a thing. The Hidden Challenges New Founders Overlook Kerim's path into supply chain didn't start in manufacturing—it began with years spent in finance, regulation, consulting, and entrepreneurship. But everything changed the first time he stepped into a factory in China and saw ideas becoming reality on the production line. From that point forward, one truth has shaped his entire philosophy: Most founders fail not because the idea is bad, but because they don't know what they don't know. The wrong supplier. No quality control. Assuming timelines will hold. Not understanding cultural expectations. Failing to anticipate disruptions. Kerim explains how founders can dramatically reduce risk by choosing vetted suppliers, putting "eyes and ears" on the ground, and building processes that protect them from expensive mistakes. Even seasoned brands struggle when entering new categories—so first-time founders need even more support. Successful product creation starts with education, clarity, and the right partners. AI, Disruption, and the Future of Product Development Global supply chain challenges aren't rare—they're constant. Weather, politics, tariffs, port closures, labor strikes, pandemics…founders can't avoid disruptions, but they can prepare for them. Kerim believes these moments of chaos often spark innovation. When materials change, or routes shift, companies are forced to rethink how products are made—and sometimes what emerges is stronger, smarter, or more profitable than before. He also shares how AI is reshaping the entire supply chain ecosystem: AI-powered sourcing tools that match founders to the right factory instantly Autonomous warehousing, trucking, and drone delivery Emissions-optimized shipping routes Instant business plans and market analyses generated from a single idea But with innovation comes caution. Kerim emphasizes that AI must be a tool—not a substitute for human wisdom, experience, and guardrails. At the center of it all is the mindset he teaches clients: a limitless mindset—one that looks for possibility, not restriction. Enjoy this episode with Kerim Kfuri… Soundbytes 08:18 – 08:26  "Sometimes it's in the face of chaos that we have true opportunity. It all comes from having the right mentality as you come into global supply chain." 14:37 – 14:49 "You have to be the cheerleader. You go to bed with your successes and your failures, and then get up the next day and do it again." Quotes "These disruptions aren't doomsday situations—you have to see the opportunity inside them." "You can't build a supply chain by guessing. Passion is great, but knowledge is what protects your business." "Entrepreneurship isn't for the faint of heart. You have to get up every day ready to fight for your idea." "If you scale too quickly, you risk diluting your service. Growth only works when it's intentional." Links mentioned in this episode: From Our Guest Website: https://kerimkfuri.com/ LinkedIn Profile: https://www.linkedin.com/in/kerimkfuri/ Connect with brandiD Find out how top leaders are increasing their authority, impact, and income online. Listen to our private podcast, The Professional Presence Podcast: https://thebrandid.com/professional-presence-podcast Ready to elevate your digital presence with a powerful brand or website? Contact us here: https://thebrandid.com/contact-form/

It's Part 2 of our back-to-back Mo and Alex eps to start off 2026 and Year 15 of GTWM the Podcast. Let's go!Caller #3 is Aries who is 24yrs old from Tarlac. Aries' girlfriend has been cheating on him. The problem is she lives in his house and he doesn't have the heart to kick her out when she has nowhere else to go.Caller #4 is Josh who is 38yrs old from QC. Josh has been in a couple of serious relationships and had two kids from two different women. He has always felt the need to cheat and be wild "as a man" but now that he is in his late 30's, he's worried he might not find anyone anymore that he can settle down with and who will take care of him. Caller #5 is Mia who is 31yrs old from Dubai. Mia's BF is proposing marriage but there's no established plan on how to handle the finances. Also, he cheated on her last month and gassed her by saying he felt small because of her career achievements. Is he still worth holding onto?GTWM and Good Times Radio are now streaming exclusively live on Discord! Join the Discord community by going to www.discord.gg/goodtimesradio

At Fabtech, host Beau Wigington sits down with Anthony James aka “Meltin Metal Anthony” for a straight-shooting talk on where new and growing welding businesses burn cash, and what to buy instead. From grinders and torches to hoods, PPE, and shop layout, Anthony shares the gear that survives abuse, the stuff that fails fast, and practical ways to vet products at a trade show. They also dig into laser welding, automation, and how to prep your skills (and team) for the next decade.Key Topics DiscussedTools that pay for themselves vs. tools that fail: why cheap grinders and bargain rods often cost more long-term; when a low-cost flux-core box can still earn its keep.Welders & try-before-you-buy: using shows like Fabtech to demo MIG/TIG/stick, and the limits of testing engine drives on the floor.Torches that stay true: hard-earned opinions on Victor and older Smith gear; why some newer replacements disappointed.PPE that protects (and fits): pitfalls of bargain-bin clothing; the case for US-made textiles and consistent QC.Hoods that survive abuse: long-term experience with an auto-dark model (Optrel mentioned) vs. thin shells and short-lived lenses.Shop-build mistakes: poor layout planning, forgetting utilities (power, heat, downdraft, 3-phase alternatives), and failing to size for tables, forklifts, and workflow.Hiring & weld tests: “mess up the settings” as a practical screen for true competence.Laser welding & automation: what's impressive now, code limitations today, and why technicians who can dial in machines will thrive.Mindset for growth: adapt or get left behind—how risk sports, preparation, and owning your quirks translate to business.Save 20% On Related American Welding Program Courses With WELD20Use code WELD20 at checkout for eligible courses - https://foxly.link/9T3dtcConnect with Anthony JamesInstagram - https://www.instagram.com/meltinmetalmobile/ YouTube - https://www.youtube.com/@MeltinMetalAnthony Website - https://meltinmetal.net/ Connect with Beau WigingtonInstagram: @beaudiditwelding — https://www.instagram.com/beaudiditwelding LinkedIn: https://www.linkedin.com/in/beauwigington E-mail: beauw@weld.com

And just like that…we are back!  Like we never left.Like we haven't done this for 15 years!  GTWM turns another year older today and we cant thank you enough -- butwe will try, with a back-to-back set of Mo and Alex!  It's Episode 1 of the Philippines' longest running, most successful, most number of episodes, most number of countries,most number of downloads, most number of cheaters of all-time! LOLLet's get this party started.Caller #1 is Luna who is 30yrs old from Lipa, Batangas. Luna is constantly in search of the perfect fubu.  While she usually is one and done with a guy , her most reason hookup she is willing to give more tries.  Even if he has a small penis, even if he is quick to finish, even if he doesn't want to go down.  Why?  Because he treats her with respect.  Is thatenough to bridge the gap though?Caller #2 is Kat who is 32yrs old from QC.  Kat caught herhusband at a motel with an AirTag type of tracker.  He refused to admit that his 6 hour stay at a motel was with another girl.  If he is not going to admit it, how can she be sure he really cheated?GTWM and Good Times Radio are now streaming exclusively live on Discord! Join the Discord community by going to www.discord.gg/goodtimesradio

January 4, 2026 sermon at Ascension Lutheran Church, Montreal, QC by Rev. Charles St-Onge. Text: Luke 2:41-52.Support the showCheck us out at ascensionlutheran.ca and intheway.org.

ANOINTED WITH OIL - 12.17.2025 - #901 BestPodcastintheMetaverse.com Canary Cry News Talk #901 - 12.17.2025 - Recorded Live to 1s and 0s Deconstructing World Events from a Biblical Worldview Declaring Jesus as Lord amidst the Fifth Generation War! CageRattlerCoffee.com SD/TC email Ike for discount https://CanaryCry.Support   Send address and shirt size updates to canarycrysupplydrop@gmail.com   Join the Canary Cry Roundtable This Episode was Produced By:   Executive Producers LX Protocol BARON of the Berrean Protocol***   Producers of TREASURE (CanaryCry.Support) Cage Rattler Coffee, Mrs. Tinfoilhatman, Veronica D, Sir Scott Knight of Truth, Sir Casey the Shield Knight   Producers of TIME Timestampers: Jade Bouncerson, Morgan E Clankoniphius Links: JAM   TRUMP Trump announcement coming (X)  Clip: Tucker says trump to announce a war (X) WH designates Fent as a WMD (WH) Trump orders blockade of sanctioned oil tankers (abc) "Blockade" is an act of war (Brittanica)   BEAST SYSTEM Prediction Markets replacement for Fire/Flood insurance   BBB/IT WILL KILL MIT nuclear science prof Nuno Loureiro found shot dead in home in swanky Mass. (NY Post) → MIT profile of Prof. Loureiro (MIT.edu) Clip: MIT prof gave presentations on QC and the upcoming magnetic pole reversal.   TRUMP Clip: Trump and Mark Levin on Jewish President (X)  Clips: StopAntisemitism Founder wants to destroy lives of people who are antisemitic (Jpost)     BORDER Clip: Minnesota police ICE raid Mary Jospeh analogy goes south (X)    EXECUTIVE PRODUCERS TALENT/TIME END

Playing in a cash game on your own live stream might be something most people would avoid. But Ryan Feldman, CEO of Hustler Casino Live, is not like most as he loves to get in there and battle! In this high stakes poker cash game, he steps out from behind the cameras and into the spotlight, facing none other than poker sensation Tom ‘durrrr' Dwan. In this poker hand, Feldman bets the river with top pair and Dwan is on the verge of calling that he even shows his cards to the entire table! But will Feldman give something away that allows Dwan to make the correct fold or will this be a huge error by Tom Dwan? When you're playing against weaker, less game theory optimal (GTO) studied opponents in small or mid stakes live cash games, you'll often see betting lines that poker solvers simply do not recommend. A common example is when someone leads the flop or turn from out of position for an unusually small sizing. These tiny donk bets tend to come from a very polarized range, usually representing either a strong made hand or a weak, marginal holding that they're unsure on how to play.Your goal is to figure out which end of their range this small bet falls into. If it's weak, raising will win you the pot immediately. If it's strong, you can play cautiously or value raise thinner, knowing they will not fold. Once you recognize these huge leaks in your opponents’ games, exploiting these non GTO tendencies becomes straightforward and extremely profitable. Tom Dwan also known as durrrr from his online days is a 39 year old American professional poker player. He is a favorite poker player for many around the world as they would watch him battle in the highest stakes cash games on Full Tilt Poker before poker's Black Friday hit. Dwan is known for his fearless style and crazy bluffs. He was a regular on Poker After Dark and High Stakes Poker. Today, Durrrr is mostly known to play in high stakes private games in Asia. Durrrr is often seen on the Triton poker tour playing in the largest buy-in poker tournaments in the world. Dwan currently has over $6,900,000 in live poker tournament earnings which puts him in the top 300 on the all time money list. Since 2007, Tom has played over 217 live streamed poker cash games and has won more than $4,000,000. Ryan Feldman is an American amateur poker player with over $170,000 in live poker tournament earnings. He is the owner and producer of the Hustler Casino Live Stream. Before that, he worked as a producer for another poker live stream – Live At The Bike from 2016 to 2019. Hustler Casino Live is a full-scale, high value poker production. Close to a million dollars was spent transforming the casino's high limit poker room, the Crystal Room, into the set of this new state of the art live poker show. Some of the most notable poker players to have appeared on the show are Phil Ivey ‘The Tiger Woods of Poker' ‘RaiseOnce', Tom Dwan 'durrrr', Phil Hellmuth ‘The Poker Brat', Chris Moneymaker, Doug Polk ‘WCGRider, Garrett Adelstein ‘Gman', Tony Guoga ‘Tony G' and many more. Preflop:From under the gun, Ryan Feldman raises to $1,200 with Q9 of hearts as Tom Dwan calls out of the cutoff holding pocket tens, and Peter calls on the button with 43 of clubs. Steve looks down at AK of hearts and chooses to 3-bet and squeezes to $6,400 from the big blind. Feldman calls, Dwan calls with his pocket pair, and Peter comes along with his low suited connector. Flop – Qc 8s 4s:Steve is first to act and elects not to continuation bet with his big slick, since the pot is multi-way and he only has two overcards and a backdoor straight draw. Feldman currently has the best hand, having flopped top pair with a backdoor straight draw of his own. Feldman checks before Dwan checks as well with his pair of tens, and Peter opts to check behind with bottom pair and a backdoor flush draw. Turn – Jd:Steve, Feldman, and Dwan pick up straight draws on the jack of diamonds turn. Steve bets the minimum of $400 with his gutshot to broadway and is immediately raised to $15,000 by Feldman with a pair of queens. Dwan cold calls the raise, which forces Peter and Steve to fold, leaving Feldman and Dwan to go heads-up to the river. River – 5h:With just one pair, Feldman bets $32,000 on the five of hearts river. Will Feldman be able to get Dwan to make the incorrect hero call with a pair of tens, or will Dwan correctly read the situation and toss his cards into the muck? Stay tuned to the end of this poker video to see what happens! Jonathan Little analyzes live poker hands from TV poker shows such as Poker After Dark, Hustler Casino Live, The Lodge Poker Club & PokerGO. He also analyzes popular poker vloggers such as Rampage Poker, Brad Owen, Jaman Burton, Ashley Sleeth, Wolfgang Poker and others! hustlercasinolive #highstakespoker #cashgamepoker The post WPH #594: HUGE ERROR By Tom Dwan????? first appeared on Jonathan Little.

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   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   Corey Coates  1:18   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  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   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. 1937795898, 77958989   Keith Weinhold  33:44   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   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   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.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com