Podcasts about rates

Much has been documented about the growing mental health crisis among American teenagers. Young people, however, are not the only ones struggling. Middle-aged women, particularly white women over the age of 45, account for nearly 60% of all Americans who have been taking antidepressants for more than five years.  To be sure, with this kind of statistic, it is not clear the role that medical and pharmaceutical industries, which are incentivized to medicalize mental health struggles, play. There are also cultural factors at work. Affluent people, white people, and women are on average more likely to seek help for mental health issues than African American or Hispanic women, men, or people in poverty.   It is good that more attention is now given to the mentally and emotionally hurting and that these struggles are no longer as stigmatized. But we also have reached a point where it's almost fashionable to be diagnosed with a mental health condition. This is especially true for women, and progressive women in particular.   It is not unusual for people to include a mental health diagnosis in their social media profiles. Regardless of how well-founded these diagnoses are, the fact that so many (especially women and young people) embrace them as part of their identity is a troubling sign of dysfunction.   Clearly, people are suffering. In a culture shaped by a “critical theory mood,” claims of suffering can be thought of as a desirable way of elevating a person's moral status. It is also not a coincidence that this suffering has accompanied a culturewide loss of a sense of meaning. A 2021 Lifeway Research study found that nearly 60% of American adults wonder about how they can find more meaning and purpose in their lives on at least a monthly basis. Rates of depression, suicidal ideation, and suicide are up across all demographics.  Even as the wider world is struggling, there is a notable exception. In 2019, the Pew Research Center found that 36% of Americans who attend church or are “actively religious” regularly report being “very happy.” In other words, faith in God, marriage, family, and a sense of duty to something larger than ourselves are often what provide people with the richest sense of meaning.   Ironically, these are the very things that, we are constantly being told, will constrain us. Women are told that being a wife or a mother “gets in the way” of true happiness. Men and women are told that sacrificing for others leads to unhappiness. The numbers, however, don't lie. Living unattached lives committed to individual autonomy is making us miserable.   Of course, mental health struggles often inflict the righteous, too.  Elijah, Martin Luther, and many others also battled inner demons. Still, whether the increased rates of mental health struggles are primarily physiological or due to self-inflicted circumstances, how we think about them matters. As author O. Alan Noble puts it, in moments of profound mental suffering, “getting out of bed is an act of worship”:   But when you choose to rise out of bed each day, you also set a table for your neighbor. You declare with your being and actions that life itself is good. Whether you like it or not, your life is a witness that testifies to the goodness of God.  Worship, in fact, takes many forms: singing, teaching, reflecting, relating. This is because worship is a way of recognizing the meaning that God placed in His world and for His image bearers. In fact, worship is the meaning for which human beings were made. There is nothing more than to know and to glorify God. In His grace, He makes Himself known throughout His world. It is one of God's great mercies that, by fulfilling His purpose for us, we are able to know happiness, satisfaction, and meaning.  This Breakpoint was co-authored by Maria Baer. For more resources to live like a Christian in this cultural moment, go to breakpoint.org. 

PHOTO: NO KNOWN RESTRICTIONS ON PUBLICATION. @BATCHELORSHOW #MrMarket:Ben Bernanke writes of the Jerome Powell fail on rates. Liz Peek, Fox News, The Hill https://www.wsj.com/articles/why-inflation-erupted-two-top-economists-have-the-answer-6919042c?mod=hp_lead_pos10

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Tom welcomes back MJG Capital Managing Partner Matt Geiger to the show. Matt remarks on the recent rallies and predicts that a smaller rally could occur on a Fed pause, while noting that reaching new highs is still in the realm of possibility. He believes the next decade holds promise for investing in miners and commodities and that this will eventually trickle down to junior miners, making him feel comfortable with the current situation. Macro factors are aligning well for precious metals, with mid-tiers beginning to pick up and the broader markets waiting in anticipation. Matt predicts that mining will eventually become more popular among younger generations. He also acknowledges the hype surrounding lithium mining, but believes that a correction is needed in that market with the trend moving towards lithium ion phosphate batteries. Matt is seeing increasing M&A activity, including some significant acquisitions. He provides advice on investing in junior miners and explorers; suggesting that betting on the people rather than individual projects is usually the best approach. Time Stamp References:0:00 - Introduction1:37 - Miners & Sentiment8:06 - Gold & Resistance14:35 - Commodities Value17:36 - Mining & Politics21:49 - Lithium Mining25:23 - Refining Capacity27:42 - Strategic Minerals31:22 - Copper Demand34:05 - Silver Thoughts37:44 - Canada Divestment?41:14 - Jurisdictions48:08 - M&A Activity51:43 - Junior Mining Mistakes1:01:06 - Wrap Up Talking Points From This Episode The next decade will be a good one for investing in miners and commodities.M&A Activity is picking up in the mining sector.Lithium mining is currently a hot topic, but Matt believes a correction in the market is required. Guest Links:Website: http://mjgcapital.com/Twitter: https://twitter.com/geigercounting Mr. Geiger is Managing Partner at MJG Capital, a limited partnership specializing in natural resource investments. The partnership is long-only and holds a concentrated portfolio of resource equities. Investments include explorers, developers, and producers of precious metals, energy metals, industrial metals, and ag minerals. Matt is a graduate of the Wharton School at the University of Pennsylvania and previously founded a venture-backed technology company most recently valued at $150m.

Tom welcomes back, Jesse Felder. Jesse is the founder, editor, and publisher of The Felder Report. He discusses how Federal policy aimed to create a wealth effect through printing money, yet it has only generated bubbles and the illusion of growth. He goes on to explain that the more money a country prints, the less attractive that currency becomes to other countries. We have reached a point where the Fed has to intervene and continue to monetize the debt, and the FDIC has stated they will cover all depositors, raising questions of moral hazard. Jesse believes we are heading for a hard landing in the second half of this year. In addition, an article from the Financial Times pointed out that the United States fiscal status is now similar to that of Greece and Italy due to their increasing unfunded liabilities and pension obligations. Jesse emphasizes that precious metals are the only asset class that has historic precedent of preserving value in crisis and warns that investors are currently drastically under invested in this sector. He believes that investor demand could go through the roof and that it appears to be setting up for such a run. Time Stamp References:0:00 - Introduction0:33 - MMT & Fed Wealth Effects4:14 - GDP & M2 Spiral8:58 - Foreign Dollar Demand11:45 - Fed & Confidence15:47 - Banks & Interventions21:06 - The Feds Toolbox?25:05 - Treasury Turbulence28:26 - Liquidity, Rates, Energy31:23 - Dollar & Liabilities34:05 - Bad Fiscal Status40:35 - Gold & Inflation43:40 - Inflation Protection46:45 - Hard Landing & Inflation52:06 - A.I. & Disinformation54:54 - Wrap Up Talking Points From This Episode The Fed has been printing money for years, creating asset bubbles and artificial growth.U.S. fiscal status is now similar to Greece and Italy, with record deficits and unfunded liabilities.Precious metals could be the only asset class that holds its value in a crisis. Guest Links:Twitter: https://twitter.com/jessefelderWebsite: https://thefelderreport.com/Articles: https://thefelderreport.com/blog/ Jesse Felder is the Founder, Editor, and Publisher of The Felder Report. He began his professional career at Bear, Stearns & Co. and later co-founded a multi-billion-dollar hedge fund firm headquartered in Santa Monica, California. Since moving to Bend, Oregon in 2000 and founding The Felder Report shortly thereafter his writing and research have been featured in major publications and websites like The Wall Street Journal, Barron's, Yahoo!Finance, Business Insider, RealVision, Investing.com, and more. Jesse also hosts and produces the Superinvestors and the Art of Worldly Wisdom podcast.

Commercial real estate sponsors who took out floating rate loans are in trouble. Rates have over doubled since their lows throwing many loans into technical defaults even if the borrower is keeping them current and their lenders aren't (yet) marking them to market. What this means is that many sponsors, especially those new to the real estate game (i.e. who entered during the bull run of the last 11 years), if they have not done so yet, are likely to stop distributions to their investors and will be searching for ways to save their deals from going back to the bank in foreclosure. In a market downturn, like we have today, there are two types of sponsor: Those that underwrote conservatively, took on low debt, and were happy with lower projected returns because they knew their numbers were robust enough to weather the next, inevitable downturn.  These sponsors will clean up during this downturn, buying distressed assets at significant discounts. And then there were those who promised sky-high IRR's just to attract investors, maximized the debt they took on so they could juice returns, used unrealistic rent increase assumptions, and underestimated the real impact of maintenance and tax costs in their proformas (amongst other things).  These sponsors are toast. And there are also two types of bank: those that are pragmatic and urgently seeking ways to clear their books of these potentially toxic loans before values fall any further and borrowers start going into actual default on loans, and those more confident the market will right itself and so are prepared to extend loans under more favorable terms with borrowers, kicking the can down the road. With over $500 billion of bank/thrift originated CRE loans coming to maturity deadlines in the 12-months or so to mid-2024, the days of reckoning are upon the commercial real estate industry. Even sponsors who took on short term, fixed rate loans are going to hit solvency walls and start losing assets to their lenders in foreclosure or find themselves forced to sell at substantial discounts to their (and their investors') expectations. If you want to be on the right side of this equation, listen in to my conversation with Cody Charfauros, Principal/MD at Slatt Capital a debt and equity shop. Cody shares his own personal experience of the impact of dramatically increased debt costs and dives deep into market dynamics, giving you a roadmap for what to expect in the months ahead. This episode of The Real Estate Reality Show at GowerCrowd, is available on YouTube here https://www.youtube.com/gowercrowd?sub_confirmation=1 and here on the GowerCrowd website https://gowercrowd.com/podcast *** In this brand new podcast series at GowerCrowd, The Real Estate Reality Show, we take a realistic view of commercial real estate investing, providing pragmatic insights for passive investors who are looking for sponsors they can trust and distressed opportunities they can invest in. You'll find no quick fixes or easy money ideas here, no sales pitches, big egos or hype. You'll learn how to build your wealth while protecting your capital investing as a limited partner in commercial real estate investments, even and especially during an economic downturn. Subscribe to our YouTube channel here: https://www.youtube.com/gowercrowd?sub_confirmation=1

Jamie takes it solo in this episode to explain how to get a Dislocation Allowance advance. Jamie recently started a PCS and used his DLA advance to shore up his pre-PCS finances. Learn how to get your annual fees waived on premium credit cards from American Express and Chase in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for military spouses and active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex and Chase cards are waived for military spouse dependents of active duty troops. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon at or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

Are you living the life that you were created to live? I explore.  People have harbored unfounded real estate fears for years. Here they were: 2012: Shadow inventory 2013: Boomers downsizing 2014: Rates spike 2015: PMI recession 2016: Vacant units 2017: Home prices above pre-GFC peak 2018: 5% mortgage rates 2019: Recession? 2020: Pandemic 2021: Forbearance crisis 2022: Rising rates 2023: Recession US houses prices are heading up this spring. The latest FHFA's Monthly Housing Report shows 4% national home price appreciation. We explore apartment reputation scores. This is a great proxy for what's happened in housing the past three years. As an investor, you have a low “loss to purchase” with your tenants. It's difficult for them to buy their first home. I discuss 12 Ways that you can raise the rent and increase the value of your property. Resources mentioned: Show Notes: www.GetRichEducation.com/449 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Credit to BiggerPockets.com   Welcome to GRE! I'm your host, Keith Weinhold. We get clear together - Are you truly living the life that you were created to live?   A housing market update with some perspective that can totally shift your real estate thought paradigm.    Then, 12 Actionable Ways that you can raise the rent and add value to your property. Today, on Get Rich Education.   Welcome to GRE! From Johannesburg, South Africa to Harrisburg, Pennsylvania and across 188 nations worldwide, I'm Keith Weinhold and this is Get Rich Education.   Last night, people were losing sleep over money. At the same time, last night, you made money… as you slept.   Are you living the life that you were created to live?   Your big ideas, your grandiose hopes and ambitions that you promised yourself that you would follow through on someday… have they turned into fears?   Even ones that you had as a child - like to be an astronaut or a firefighter. Today, it might simply be that you would have quit your soul-sucking job by now.   Maslow's Hierarchy of Needs - how many are you fulfilling? All five? There are five levels. The base level are your… What are you doing to be the most that you can be?    With financial freedom, you can control your time and have a chance at living the life that you were created to live.   How do most people think of financial betterment? In a faulty way, like…   If you get your hair cut at home and brew your own coffee at home, you figure you could save 6 bucks a day.   Hey, Men's Fast-Pitch Softball at the Moose Lodge is still free. Oh geez. So that's why it's your entertainment?   You could save a whopping $80 on flight tickets by adding an extra layover on your trip itinerary.   Or… it's buy-one-get-one free week on Hillshire Farm brand bacon at the supermarket.   Alright, how do you know that all those things right there don't move the meter in your life? It's because, ask:   How many times would you have to do that activity - like add an unnecessary flight layover - in order to acquire wealth?    None. It doesn't apply. You could practically do that an INFINITE number of times and you wouldn't acquire wealth to create the time to live the life you want.   But how many times would you need to add a flight layover in order to make you MISERABLE? There IS a number. There is a certain number.   Doing those trivial things only helps ensure that you stay at a soul-sucking job.   Because rather than taking your time - a zero-sum game - rather than HAVING your time engaged in expansionary activities, you were focused on contracting.    You were focused on where there's a low upside rather than activities that have an upside with no ceiling.   Another way to ask if the activity is expansionary and moving you toward financial freedom is: Did you overcome FEAR in fulfilling that task?   Yes, it's an inconvenient truth that facing & overcoming fear is what makes you grow.   Did you overcome fear when you brewed coffee at home or got some stupid discount on grocery store bacon?   What are the activities you do that move you toward financial freedom - not debt-freedom - but financial freedom & overcome fear & grow.   That's an activity like:   Making your first home a fourplex with an FHA loan… or repositioning your dead equity, like Caeli Ridge & I discussed here two weeks ago… or buying an income property across state lines… or learning how to become a savvy private lender… or finding out how to become an accredited investor.   Are you living the life that you were created to live?   Now you've got some examples, some milestones, and some checkpoints so that you'll know if you're either on the right trajectory - or hopefully - if you've been listening here long enough… you're living that life… now.   Why would you live one more day of your life “below your means” than what's absolutely necessary. That should only be a short-term life mode.   Don't live below your means, grow your means.   Live the life that you were created to live.   But the major media channels stir up so much fear - and even niche ones - that it can often paralyze, even some clear thinkers.   Despite the fact that today's real estate appreciation rates are quite normalized and modestly growing, some people still have unfounded fear over real estate.   And non-doers are always trying to time the market… and timing the market doesn't work.    Here's what fearful permabears are concerned about. It's always something in real estate.    In 2012, it was “Shadow inventory”. Remember that? Never came to pass, just like most of this stuff.   In 2013, the fear was Boomers are downsizing   In 2014: Rates spike   In 2015, it was a PMI recession   In 2016, it was vacant units. Ha! A terrible miss.   In 2017, it was, look, nominal home prices are above the pre-GFC peak. Yeah, so what? They should be.   In 2018, it was 5% mortgage rates. That was the fear.   In 2019, I actually don't remember what the fear was that year. That was a fairly uniform year but people stirred up fear about something in order to get clicks. Call it a recession.   In 2020, it was the pandemic   In 2021, it was fear of a forbearance crisis.   In 2022, the fear was rising mortgage rates will cause a housing price crash and there's a collapse in sales volume.   In 2023, what's the fear? Are we back to recession fears again?    Gosh, people have been steadily forecasting that for 12-18 months now, it still isn't here, and it still isn't on the horizon either, as job growth numbers keep beating expectations.    If you're waiting to invest in the most proven investment of all-time - real estate, or even something else like gold or bitcoin or stocks - if you're waiting until the uncertainty dissipates, then you'll never be investing again for the rest of your life.   About the only certain thing in the investing world is persistent inflation and the fact that people are going to need a good place to live.   I invest in the certainties, not get paralyzed with uncertainty.   This way, we don't get too caught up in the latest investing fad, often like stock investors do.    In 2017, it was anything around “blockchain.” In 2021, it was the “metaverse.” In 2023, “AI” is the term that's instigated a Pavlovian response from investors salivating over the potential hundreds of billions in value that could be unlocked by the new technology… until that gets oversold. There IS some opportunity in some of those things, but as soon as people lose money in them, they revert back to principles. In a lot of ways, we stick to principles here, even if some of them are countercultural principles - like FF beats DF. Keep your debt & get more of it. More debt means you own more RE.   US house prices have stabilized and are heading up. They've gone from modest declines or steady prices… to modest growth in most regions.   That's the summary from my latest "light reading" duty—FHFA's Monthly Housing Report. It's released every month.   Some highlights from the latest one, all stats through February, and with nominal pricing… Every division east of the Mississippi is up 5% to 8% annually The Pacific division, which was hurt most, saw a 3% decline National home prices are up 4% And this index covers 400+ American cities Spring numbers will be factored in soon. Since it's property-buying season, appreciation rates will likely rise.   Like I've stated before and am becoming really somewhat known for talking about in the industry. In fact, just last week, I was in Arizona and shared this on Ken McElroy's show - the housing crash is a 100% certainty. That's because it already happened.    It was a housing supply crash three years ago, which prevented a price crash.   So then, let's look at some of the best appreciating markets in the US here, just the quick, Top 10.    And notice how widespread the national HPA is. It really just excludes the western third or western quarter of US states.   The market with the 10th most appreciation - and this is all YOY, through Q1 per the NAR:   Santa Fe, NM up 12% 9th is Hickory-Morganton, NC up 12% 8th is Appleton, WI up 12-and-a-half per cent 7th? Milwaukee-Waukesha-West Allis, WI. Up 14%. I'm doing some rounding here. 6th is Oklahoma City, up 15% Elmira, NY - hey I grew up near there - is up 15%. That's 5th.   4th is Burlington, NC up 15% YOY 3rd is Warner-Robins, GA, up 16%  2nd is Oshkosh-Neenah, WI at 17% #1 in the nation is… the Kingsport-Bristol area, which spans Virginia & Tennessee. Up 19%   I'm going to discuss apartments in a minute. But they are the 10 US areas with the largest single-family home price increase annually.   In the Information Age, a bad reputation will follow you around like your cat, internet tracking cookies, and a song that you can't get out of your head.   Apartment reputation scores are a broad measure of renter satisfaction.   It's amazing to see how closely they track the macro trends that impact tenants and property managers (PMs).   What I'm referencing here is J Turner Research's Online Reputation Assessment scores from today, and going back to March 2020.   This is a very telling pattern here.   Spring - Summer 2020: COVID descends. Lockdowns are here. Reputation scores plummet. PMs struggle to rapidly adjust to a new era where renters live and work inside their units 24/7. Everyone started using Zoom. Maintenance techs could rarely even go inside units for repairs.   Entropy ran rampant. Parents didn't know what to do with their children. Fear reigned. Common spaces closed. Neither tenants nor PMs were happy.   Then, in the…   Fall 2020 - Summer 2021: This was the boom period for apartments. PMs have solved for the new era, adopting new technologies and new strategies. They also re-open amenity spaces and in-unit maintenance.    Hey, foosball in the clubhouse is back. Apartment demand surges, and reputation scores go back up.   Late 2021: Apartment occupancy rates hit record highs. PMs again wrestle with on-site staffing shortages. Could ultra-low vacancy and still-robust leasing traffic put so much strain on property managers that reputation scores start to drop again?   Nope! Because in…   Early 2022: Reputation scores climb back up to new highs again. PMs once again adjust to the rapidly evolving climate, many leaning on early-to-mid phase adoption of centralization tech and management practices.   Mid - Late 2022: Apartment reputation scores inch back again. That's when consumers saw peak inflation—including renewal rent increases.    At the same time, demand (for all housing types, not just apartments) slowed down and you didn't see the high rent growth that you had. This puts more strain on PMs.   Inflation hit everyone, with big price hikes in property insurance, taxes, maintenance, turnover, labor, and utilities.   Early 2023: Apartment reputation scores are on the rise again, hitting new highs. Consumer inflation is cooling, while vacancy rates and leasing traffic return to more normal levels.   Some semblance of normalcy has finally returned.   At the same time, new tech adopted in the pandemic era proves to have long-term benefits to both tenants and managers.   In recent years, PMs have focused on resident satisfaction, so it's no coincidence that reputation scores keep improving.   Now today, as an investor, changes are that you have a low LOSS TO PURCHASE.   What's a “loss to purchase”. Your tenants are leaving to go buy something very often.    You, as an investor in either single-family rentals or condos or apartments - you can retain residents right now because it's so hard for them to go off and buy their own starter home.   Why's that? Well, it's not just the higher mortgage rates. It's that fact coupled with the fact that credit availability is still tough.    As you know, you need to have a lot of good documentation & income & assets to get a loan. That keeps your rent-paying tenant in place.   In 2005, we were in the opposite condition. Back then, tenants fled my units. I had a hard time retaining tenants in 2005. Why?    Because it was so easy to get a loan, you could just lie about everything on a mortgage application and no one even checked the accuracy. Bloated appraisal values even came flying in.   That's why my rental property tenants kept leaving. It seems like it was always to buy a first-time condo back in 2005.   Today, you can retain tenants. That's your upside of today's harder housing affordability and stringent lending requirements.    So, in this normalizing housing era where tenants have to live in your rental unit longer - because they have no alternative - you can find the properties most conducive to this strategy where thousands of other have created a quick account - at our marketplace: GREmarketplace.com   It's not like a big box store. It's more like an organic farmer's market. That's where the good stuff is. So, check back often for new inventory at GREmarketplace.com   You're listening to Episode 449 of the GRE Podcast… and of those 449, I think that two of them were quite good!   Haha!   Coming up shortly, 12 ways for you to raise rent and add value to your property.   If you get value from the show, please tell a friend about the show. I'd really appreciate it. Share it on your social media.   More straight ahead. I'm Keith Weinhold. You're listening to Get Rich Education.  

Tom welcomes back Simon Mikhailovich. Simon is a contrarian investor, entrepreneur, and the founder of The Bullion Reserve. Simon discusses the counterparty risks that are present in the financial system and how they can lead to bank failures. He notes how the financial system is a series of daisy chains that, if broken, can cause a domino effect and throw the entire system into question. He also notes the 2008 crisis was fifteen years ago, and in that time the Fed has been unable to end its extraordinary policies. This is resulting in a massive amount of debt that would be impossible to service at higher interest rates. Simon believes that this is leading to a radical de-globalization, higher costs, and a reshuffling of the global supply chain that is highly inflationary. In this environment, he suggests that gold may be a better investment than Bitcoin due to its perceived reliability. Time Stamp References:0:00 - Introduction0:38 - Counterparty Risks9:45 - Bank Run Prevention12:33 - Bail Outs & Confidence14:09 - Social Polarization20:50 - System Fragility29:45 - Cost of Living36:17 - Human Nature & Time44:00 - Phase Transitions48:15 - Gold Price & ETF Flows53:18 - Gold As Insurance54:44 - Value of the Dollar58:42 - Rates, Dollar & Gold1:04:36 - Bitcoin & Adoption1:10:37 - Wrap Up Talking Points From This Episode Counterparty risks in the financial system can lead to bank failures, putting the entire system in question or gridlock.The Fed's extraordinary policies since 2008 has resulted in a massive buildup of debt, making servicing it impossible at higher rates.In this environment, gold provides a guaranteed level of confidence not available with bitcoin. Guest Links:Twitter: https://twitter.com/S_MikhailovichWebsite: https://www.bullionreserve.com Simon A. Mikhailovich is a co-founder, lead manager of The Bullion Reserve, and a director. Mr. Mikhailovich is an entrepreneur and contrarian investor who predicted and profited from the financial crises of 2000 and 2008. Before co-founding TBR in 2014, Mr. Mikhailovich co-founded Eidesis Capital, a special situations investment firm. Between 1998 and 2014, the Eidesis team deployed over $2.5B of capital through special opportunity funds focused on high yield corporate bonds and loans, credit derivatives, distressed CDOs and MBS, and gold. Previously, Mr. Mikhailovich was a Portfolio Manager at Falcon Asset Management, overseeing alternative investments in hard assets, including oil and gas properties, timberlands, and agribusiness. During the credit cycle of the early 1990s, he headed a workouts' team responsible for restructuring multiple businesses in North America and Europe. Mr. Mikhailovich received a M.S. in Business (Finance) from the University of Baltimore and a B.S. from Johns Hopkins University.

Ian Lyngen, Ben Jeffery, and Vail Hartman bring you their thoughts on the U.S. Rates market for the upcoming week of May 15th, 2023, and respond to questions submitted by listeners and clients.

Bankrate's Chief Financial Analyst, Greg McBride, joins us to discuss interest rates, housing, the Federal Reserve, and more. We discuss where we have been, where we are now, and where we are going with rates and housing.  This is a great episode if you want to know more about the most important markets in the US. Today's Panelists: Kirk Chisholm | Innovative Wealth Megan Gorman | The Wealth Intersection Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter: https://twitter.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/rates-housing-and-the-fed-an-interview-with-greg-mcbride-from-bankrate 

With concerns over the debt ceiling, credit tightening, and bank deposit runs, problems in commercial real estate may be the least of investors' worries. In this week's episode of The TreppWire Podcast, we examine regional bank concerns and some promising fresh inflation data. In CRE, we talk good news for suburban retail, retail extensions, and more sublease stories. We also break down quoted versus effective rent. Tune in now. Episode Notes: • Economic news (0:23) • Earnings (9:43) • Good news for suburban retail? (13:35) • Retail extensions (18:00) • Trading Alerts (21:23) • Negative office news: subleases (26:01) • Quoted vs. effective rent (32:51) • Office green shoot and crabgrass story (38:49) • Multifamily story (41:06) • Shoutouts (43:55) Questions or comments? Contact us at podcast@trepp.com. Follow Trepp: Twitter: www.twitter.com/TreppWire LinkedIn: www.linkedin.com/company/trepp-llc Facebook: www.facebook.com/TreppLLC

3pm - Shari had internet issues; she joins the show in hour 2 // WA campaign aims to address rising overdose rates among young people // Tax the Drug That Plays a Role in More Than 140,000 Deaths a Year // Robert De Niro, 79, reveals he welcomed baby No. 7 // Lost woman survives 5 days in the wild on a bottle of wineSee omnystudio.com/listener for privacy information.

I'm f you wanted May 10 to substantially change your biz, what do you do now? --- Send in a voice message: https://podcasters.spotify.com/pod/show/originatorsguide/message

The Federal Reserve has hiked rates rapidly over the last 18 months, and yet inflation remains surprisingly high. Perhaps what's most surprising is that even in the most rate sensitive area of the economy -- housing -- the surge in mortgage rates hasn't had a significant cooling effect. Prices have barely budged and even the homebuilders have been booming again after a brief dip in late 2022. So what is happening now? Why did the rate shock fail to derail the industry? And what is the lesson that homebuilders have taken away from this cycle? On this episode, we speak with Zonda chief economist Ali Wolf about why and how the housing market is still broken despite this rate action.See omnystudio.com/listener for privacy information.

Today's new interview is with a student who has ramped up very quickly to put up some big numbers with the REPLENS system as taught in the ProvenAmazonCourse.com course.   He says at one point, "I wish I'd found this concept nearly a decade ago when I was getting started with ecommerce!"   He has a small team working out of a 2 car garage and they just had their first multiple six figure month March 2023 selling the 200 profitable items they've found. There are many great lessons about Merchant Fulfilling, sourcing local and keeping it simple in this episode.   Watch this episode on our YouTube channel: https://youtu.be/ztPDQUAeqFE   This is part two of a two part series.   LINK to PART I of this episode: If you missed part one you can listen here: https://silentjim.com/podcast - episode 634 Or watch part on one our YouTube channel: https://youtu.be/MijYYXwMvbA   Today we are sponsored by Storfund - https://silentjim.com/sf Check out this awesome company who will get you a payout on your Amazon money TODAY! Why wait?   Show note LINKS:   JimCockrumCoaching.com - Get a free session with a business consultant on our team at 1-800-994-1792 / 1-801-693-1688 or TEXT US at 385-284-7701 (US & Canada only for Text)  ALL of our coaches are running very successful businesses of their own based on the models we teach here! We've been setting the standard for excellence in e-commerce and Amazon seller coaching since 2002 with over 7,000 students served! Hundreds of our successful, happy students have been interviewed on our podcast!   Keepa.com - https://get.keepa.com/ede41 -The service we use to help interpret all of Amazon selling data. For more information, Jim goes into more detail regarding why we love KEEPA and why every replen seller needs it on episode 369 of this podcast at https://SilentJim.com/podcast   https://PrepCenterNetwork.com Need a hand in prepping inventory? We have a list of all known Amazon seller prep centers worldwide. If you know of a prep center that's not listed, please let us know!   My Silent Team Facebook group https://www.facebook.com/groups/mysilentteam 100% FREE! Join 70,000 + Facebook members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world!   TheProvenConference.com - Mark your calendar for this July 6th - 8th! Our LIVE event has more content and training than ever before .... !   ProvenAmazonCourse.com - the comprehensive course that contains ALL our Amazon training modules, recorded events and a steady stream of latest cutting edge training including of course the most popular starting point, the REPLENS selling model. The PAC is updated free for life!   provenamazoncourse.com/safebookprofits - sell books in bulk to "bulk book buyers" - even those books that Amazon won't let you sell in restricted categories!   SellerAmp- a handy sourcing analysis tool - https://selleramp.com/mst/   SilentJim.com/funding - AccrueMe is a friend of this community. They offer fantastically flexible funding options for Amazon sellers who need more cash for inventory.   7FigureFunding: https://silentjim.com/sevenfigure - Get pre-qualified in minutes with no negative impact to your credit. Rates as low as 0% for up to 18 months   SilentJim.com/updates - get an alert on your smartphone each time we have a new podcast episode or free training event!    Today's guest: Chris Carr  

Van and reefer rates continue to slide during the first week of May. We'll have more details on rates and how they're being affected by retailers positioning inventory for summer. Also, our ongoing series celebrating OOIDA's 50th anniversary continues with a look back at Land Line Magazine, the trusted source for trucking industry news, which first went to press shortly after the Association was founded. And like most truckers, Marty Ellis is getting ready for Roadcheck. Marty will share some of what he learned from a webinar on the topic and share a story of his own Roadcheck experience. 0:00 – Newscast.  10:12 – Looking back at Land Line Magazine. 24:52 – Summer approaches, but rates slide. 39:36 – Prepping for Roadcheck.

Aucklanders are facing even bigger potential rates rises and service cuts. The council's budget shortfall for the next financial year is expected to reach 375 million dollars, up from $295m. And on top of that there's another $50m in storm-related costs. Councillors attended a closed-door workshop on yesterday morning to receive a budget update, ahead of approving the annual budget next month. Mayor Wayne Brown warned councillors that without savings, that would equate to a rate rise of more than 20 percent, which some have labelled scaremongering. Multiple options are on the table to address the budget gap, including a complete or partial sell-down of the council's $2 billion stake in Auckland Airport, cutting running costs from between $80m-130m and rates rises. Most submitters who gave feedback on the proposed annual budget supported selling at least some airport shares to boost revenue, but wanted fewer funding cuts. To discuss the situation, Manukau Ward councillor Alf Filipaina and Viv Beck, a former Mayoral candidate and CEO of Heart of the City

Eno and DVR discuss the Twins' decision to send Jose Miranda to Triple-A, Casey Schmitt's place in the Giants' infield mix, the rapidly rising number of injured pitchers, a Phillies bullpen bracing for the absence of Jose Alvarado, budgeting in-season FAB resources, the struggles of Corbin Burnes and the likelihood of a rebound back toward previous levels, and much more. Rundown 0:55 Jose Miranda: Optioned to Triple-A 8:34 Casey Schmitt: Homers in Debut, DVR's Corrected Comp 13:08 Brett Wisely v. David Villar 18:48 Jacob deGrom: Could Return in 2-3 Weeks; Then What Happens? 21:52 Significant Injuries Mounting Among Starting Pitchers 25:07 Changing Pitching Strategy in the Future? 34:44 Jose Alvarado Placed on IL with Elbow Injury 38:28 Becoming More Disciplined with In-Season Resources 44:16 Examining Corbin Burnes' Strange Start to 2023 51:26 Will Pitch Clock Push Older Starters Out of the Game Sooner than Expected? 57:23 IP Leaders Since 2017 Follow Eno on Twitter: @enosarris Follow DVR on Twitter: @DerekVanRiper e-mail: ratesandbarrels@theathletic.com Subscribe to The Athletic at $1/month for the first year: theathletic.com/ratesandbarrels Subscribe to the Rates & Barrels YouTube channel: https://www.youtube.com/c/RatesBarrels Offers from our partners... Right now, Nuts.com is offering new customers a free gift with purchase and free shipping on orders of $29 or more at Nuts.com/rates Right now, you can try LinkedIn Sales Navigator and get a sixty-day free trial at LinkedIn.com/rates23 Learn more about your ad choices. Visit megaphone.fm/adchoices

Claire and Bryan embark on a new journey. Get excited for Season 2 of The Sell More Books Show. Top story is Eyes Wide Open. Question of the week: If you have books in KU, then what is your threshold for saying “no more” and going wide?

Auckland Council has another $30 million to find with its budget deficit increasing to $325 million. Steeper rate rises and more cuts to services are on the table to fill the gap. [picture id="4L9VURB_MicrosoftTeams_image_9_png" crop="16x10" layout="full"] But Manurewa Papakura Ward councillor Angela Dalton says talk of a 22.5 percent rate increase is deliberate scaremongering. She spoke to Corin Dann.

Amber Dennison, chair of the Humane Society of the Ohio Valley's operations committee, shared the inspiring story of the shelter's evolution from a high-kill shelter to one that now rarely resorts to euthanasia.

Buying a home is stressful. And when it takes you over 6 months, loads of wasted time, and the fear that eventually buyers will come out of the woodwork and steal your “dream house” right from under you, it can be downright maddening. But there are steps you can take to make the experience more enjoyable, and even fast. Follow this 90-day plan to win the house you love. ► ► Get Pre-Approved With My Team → https://www.winthehouseyoulove.com/lender ► ► Get An Agent Referral → https://www.winthehouseyoulove.com/agent TOP RESOURCES

"The resounding cry from the report is these babies should have the same chance. And they can." A report out today says that globally, we've made no progress at all over the last decade in reducing the number of pregnancies that end with a premature birth. And in Africa - just 1 in 10 of those premature babies will survive, compared to 9 out of 10 in high income countries. So why are premature babies still dying in such numbers? And what can be done to improve the situation? For Africa Daily, Mpho Lakaje speaks to Miriam, a nurse and the mother of two premature babies, and to Professor Joy Lawn, who's worked in neonatal care across Africa all her life - and is the author of the “Born Too Soon” report.

Adam McCabe can be contacted at Blue Lantern Financial Services Phone: (02) 8062 5961 Or via their Instagram account @BlueLanternHomeLoans  Stay updated & inspired... @SugarMammaTV – Money, budgeting, cashflow, motivation @CannaCampbellofficial – lifestyle, capsule wardrobe fashion, motherhood Tik Tok - https://www.tiktok.com/@sugarmammatv My Best Selling Books! The $1000 Project Book: booktopia.kh4ffx.net/DVqDMj Mindful Money: booktopia.kh4ffx.net/Xxrz5o My YouTube channel - over 500 bite size videos with over 12,000,000 views! https://www.youtube.com/c/SugarMamma www.SugarMammaTV.com  Also, don't forget about my other podcast channel, "How Do They Afford That?" https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235 ADDITIONAL GENERAL ADVICE WARNING: Whilst we discuss various financial topics, this podcast is not advice in anyway, but purely for educational purposes only. Nothing in this podcast is personal advice, investment advice or product advice. With any major financial decision, you must always do your own research, consider all the pros and cons, fees, caps, limits, costs, taxes etc. Always proactively educate yourself before making any major financial decision, consider your own financial goals, deadlines and risk profile. So please bear all of this in mind when listening to this podcast and please always speak to a Financial Planner when wondering what you should do to achieve your own financial goals and dreams. GENERAL ADVICE WARNING & FINANCIAL PLANNING LICENSE DETAILS: The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product. Canna Campbell is a Corporate Authorised Representative and Corporate Credit Representative of Wealthstream Financial Group Pty Ltd ABN 35 152 803 113 Australian Financial Services Licensee AFSL 412079.See omnystudio.com/listener for privacy information.

DVR, Eno and Welsh talk about Bryce Miller's pitch mix, Eno's conversation with him and why he struggled at Double-A. Are the Rays messing with Taj Bradley? Plus we've got some listener questions and tons more. Rundown 0:34 - Bryce Miller 2:23 - What is a Gyro slider 3:53 - What Savant says about Millers pitch mix vs what it really is 6:55 - Why Bryce Miller struggled at AA according to Bryce 13:14 - What's going on with Taj Bradley 20:23 - If minot league stats aren't sticky, can we trust stat driven prospect lists? 26:21 - Ben Brown 30:06 - Is Liberatore the next big FAAB pitcher 30:42 - DVR only likes bad pitchers 35:51 - Eury Perez 37:01 - Can a high K and high BB pitcher like Edward Cabrera work? 44:09 - Can Chase Silseth be DVR's bad pitcher? 46:47 - Casey Schmitt 50:53 - Can Dominic Fletcher take real time away from Alek Thomas? Follow DVR on Twitter: @DerekVanRiper Follow Eno on Twitter: @enosarris Follow Welsh on Twitter: @isitthewelsh Subscribe to The Athletic at $1/month for the first year: theathletic.com/ratesandbarrels Subscribe to the Rates & Barrels YouTube channel: https://www.youtube.com/c/RatesBarrels This episode is brought to you by BetterHelp (paid ad), Visit betterhelp.com/rates today to get 10% off your first month. Head to factor75.com/rates40 and use code RATES40 to get 40% off your first box. Learn more about your ad choices. Visit megaphone.fm/adchoices

The average wedding today costs almost $30,000! And half of the time, that $30K investment is flushed down the toilet in divorce. However, there are wedding planning choices that you can make to reduce the chance of your marriage dissolving and that wedding investment being wasted. In this week's 10-minute equipping episode, Jim Ramos offers you a new way to look at marriage and your wedding day.

“Your rates are going to increase along with the value that you bring.” How should you raise your rates with existing clients? It's much easier to give a brand new client a new, higher rate. But for those who've been working with you for a while, it's different.  In this episode of Profitable Joyful Consulting, learn how to approach this delicate conversation and discover five things to consider when raising your rates - so you can continue building a profitable, joyful business where you're compensated in accordance with your value.  Key areas discussed: 0:00 Introduction 0:52 Working with legacy clients 1:17 Prices increase with value you bring 2:15 How to approach the conversation of raising rates with current clients 3:48 Face the fear of raising your rates   5:17 Ask this before raising your rates 8:46 How to communicate a price increase 12:24 What you need to be willing to do in order to raise your rates 13:45 Build this in your business to thrive 15:37 Own your price! Watch this episode on YouTube: https://youtube.com/shorts/0SarjRnNkBg or listen on your favorite app: http://www.samanthahartley.com/blog-podcast to learn how to make the conversation easier when it comes to raising your rates with current clients. #Pricing #Consulting #Clients ---------------

Hey there, hero!After a bit of back and forth, SAG-AFTRA has successfully negotiated a new payment format for IVR work for actors and voice talent.And I am so happy they did - it reflects higher compensation for the hard work that talent does in the category of IVR, and the nature of IVR recording and usage.What's IVR? What are the new rates? Watch/listen to this podcast episode for all the lovely details.REQUEST: Please join this video's conversation on VOHeroes, where the comments are moderated and civil:https://voheroes.com/brand-new-ivr-rates-from-sag-aftra/#acting #voice #voiceover #onboarding #performance #productivity #tips #art #commerce #science #mindset #success #process #options #bestpractices #marketingThe VOHeroes Podcast is heroically built with: BuddyBoss (site platform and theme) LearnDash (learning management) DreamHost (website hosting) Screenflow (video recording/editing/production) eCamm Live (Facebook/YouTube Live production tool) Amelia (workout and event scheduling) MemberMouse (membership management) SamCart (ecommerce and affiliate platform) Aweber (email list management) GamiPress (gamification platform) Stackable Premium Blocks (advanced Gutenberg blocks) TextExpander (customer support content management) BuzzSprout (podcast management platform)

Rates of eating disorders have risen sharply during the pandemic, especially affecting adolescent girls. As part of our series Mental Health Mondays, we are diving into this difficult topic with Dr. Evelyn Attia, director of the Center for Eating Disorders at Columbia University Irving Medical Center, and Dr. Joanna Steinglass, associate director of the Eating Disorders Research Center at Columbia University Irving Medical Center and The New York State Psychiatric Hospital. And we take your calls.  

Eno and DVR discuss the Cardinals' unusual decision to move Willson Contreras out of the catcher rotation (at least temporarily), the struggles of Jack Flaherty, a return to the big leagues for Christopher Morel and Luis Ortiz, and several mailbag questions.  Rundown 1:14 Willson Conteras: Moving Off Catcher, For Now? 7:59 Failures in Logic 12:44 Jack Flaherty's Ongoing Struggles 20:31 Luis Ortiz Back in the Pirates' Rotation 23:41 Christopher Morel is Back with the Cubs 28:02 Matt Strahm to the Bullpen? 30:09 Jack Suwinski Comp? 32:46 Cody Bellinger's Rebound; Statcast Numbers 36:47 Brandon Woodruff Injury Update 40:33 Jarren Duran: Post-Hype Sleeper? 44:45 Drew Rasmussen: Model Numbers v. Ranking 48:28 Falling Behind Season IP Pace 52:25 Aaron Judge is Coming Back on Tuesday Follow Eno on Twitter: @enosarris Follow DVR on Twitter: @DerekVanRiper e-mail: ratesandbarrels@theathletic.com Subscribe to The Athletic at $1/month for the first year: theathletic.com/ratesandbarrels Subscribe to the Rates & Barrels YouTube channel: https://www.youtube.com/c/RatesBarrels Offers from our partners... Right now, Nuts.com is offering new customers a free gift with purchase and free shipping on orders of $29 or more at Nuts.com/rates Right now, you can try LinkedIn Sales Navigator and get a sixty-day free trial at LinkedIn.com/rates23 Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn about how the Fed's recent decision will affect the market, the important economic data you should be focusing on, and more in this Protect Your Assets market segment. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/See omnystudio.com/listener for privacy information.

Dave Ramsey & George Kamel answer your questions and discuss: Saving for a house during the Baby Steps, from the blog: How to Save for a House, Going on a family trip while paying off debt, How the Fed raising interest rates affects your money, "Is it fair for me to ask my wife to help pay off my debts with me?" Dealing with a convoluted estate from a deceased relative, "Should I invest in mutual funds or real estate?" Support Our Sponsor: NetSuite BetterHelp PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

The state's historical relationship of being hands-off with regulating car insurers is leading to potential negative outcomes for consumers. Reset learns the details from Chicago Sun-Times reporter Stephanie Zimmerman and hears from State Rep. Will Guzzardi who wants to pass legislation to combat the potential rate hikes.

Episode: Reversing Autism with Dr. Stephanie Seneff In this episode of Your Health Reset, host Sinclair Kennally is joined by esteemed researcher Dr. Stephanie Seneff to discuss the possibility of reversing autism. Dr. Seneff explains how the brain is protecting itself from damage by turning off, which is a sort of hibernation. She shares that there are adults who have successfully reversed their autism, which gives hope to others that it can be done. Dr. Seneff encourages parents to figure out what they can do to help their kids. Dr. Seneff is an esteemed researcher on the topic of glyphosate, having published over 100 papers in her lifetime including a few dozen on toxic chemicals. She is the author of 'Toxic Legacy: How the Herbicide Glyphosate is Destroying our Health and the Environment'. The two discuss the autism epidemic, which they are both passionate about addressing, and Dr. Seneff expresses how glad she is that they are tackling the root causes together. The health issues associated with glyphosate are numerous, but it is linked most strongly to autism. Rates of autism have risen drastically in recent years, and many people now know someone who has autism. It is devastating for those affected and the problem is only becoming more pervasive. If you or anyone you have been affected in any way by Autism this is a must-listen podcast for you.  In this episode, you will learn the following: Overview of Glyphosate and Link to people getting Autism  Glyphosate's Role as a Glycine Analog and Its Impact on Human Health The long-term effects of Covid-19 'The Dangers of the COVID-19 Vaccine: Spontaneous Abortions, Sperm Counts, and Exosomes [0:04:02]   Heading: Overview of Glyphosate and Its Impact on Health [0:12:58]   Exploring the Link Between Glyphosate Exposure, Vegan Diets, and Autism Symptoms [0:24:24]   Discussion on Glyphosate's Role as a Glycine Analog and Its Impact on Human Health [0:36:42]   "Exploring the Long-Term Implications of the SARS-CoV-2 Spike Protein" 0:44:10   Heading: The Dangers of the COVID-19 Vaccine: Spontaneous Abortions, Sperm Counts, and Exosomes       subscribe to the Podcast here: Apple   |   Spotify   |  Stitcher Connect with Sinclair Kennally: Instagram: @detoxrejuvenation Website: https://detoxrejuvenation.com/

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Dr. Stephanie Seneff has joined Sinclair Kennally to discuss how autism can be reversed. She explains that the brain is protecting itself from damage by turning off and that it's a sort of hibernation. There are adults who have successfully reversed their autism as adults, giving others hope that it can be done. She also encourages and informs people on what to do to help their kids.     Dr. Seneff is an esteemed researcher on the topic of glyphosate, having published over 100 papers in her lifetime including a few dozen on toxic chemicals. She is the author of 'Toxic Legacy: How the Herbicide Glyphosate is destroying our health and the environment', which took her two years to write. The book is well-received and contains numerous insights. The two discuss the autism epidemic, which they are both passionate about addressing, and Dr. Seneff expresses how she is glad they are tackling the root causes together.     Glyphosate is the active ingredient in the herbicide Roundup, which is commonly used in gardens and on crops as a weed killer. Glyphosate is extremely toxic, yet the government does not bother to test it despite its ubiquity in the food supply. Mothers can use it on their lawns while their children are playing, and eating it in food is unavoidable. Certified organic food is often free of glyphosate, but even this is not a guarantee as it can still be found in some organic food due to being sprayed on nearby farms. The health issues associated with glyphosate are numerous, but it is linked most strongly to autism. Rates of autism have risen drastically in recent years, and many people now know someone who has autism. It is devastating for those affected and the problem is only becoming more pervasive.     This conversation focuses on the large impact of autism, especially as the rates of the condition continue to increase. The speaker shares their experience meeting a 16-year-old girl who had been diagnosed with autism and whose mother had found a way to reverse it. The speaker expresses their sadness at the burden of adult autism, as they know that many of them will not be able to support themselves. They praise the mothers who have taken it upon themselves to research and find ways to help their children. They also point out that the brain seems to be protecting itself from damage by shutting down.   TIMESTAMPS    0:00:03   "Exploring the Possibility of Reversing Autism with Dr. Stephanie Seneff"   0:02:17   Conversation with Dr. Stephanie Seneff: Exploring the Impact of Glyphosate on Health and the Environment   0:04:02   Heading: Overview of Glyphosate and Its Impact on Health   0:07:10   "The Impact of Autism on Society and the Possibility of Reversal"   0:08:12   "Exploring the Role of Glutamate Toxicity in Autism: A Conversation"   0:09:40   "Glyphosate-Induced Glutamate Excytoxicity and Its Impact on Metabolism"   0:12:58   Exploring the Link Between Glyphosate Exposure, Vegan Diets, and Autism Symptoms   0:14:42   "The Link Between Glyphosate and Autism: An Interview with Dr. Stephanie Seneff"   0:16:17   Exploring the Health Effects of Glyphosate Exposure   0:17:37   The Health Risks of Glyphosate Exposure: A Discussion on Obesity, Diabetes, and Other Diseases   0:21:34   The Role of Gut Microbes in Gluten Intolerance and Allergies   0:24:24   Discussion on Glyphosate's Role as a Glycine Analog and Its Impact on Human Health   0:27:59   "Exploring the Impact of Sulfate Deficiency in Autism and the Messenger RNA Vaccines"   0:31:25   Analysis of Messenger RNA Technology for SARS-CoV-2 Vaccines   0:33:05   The Potential Long-Term Health Risks of mRNA Vaccines   0:36:42   "Exploring the Long-Term Implications of the SARS-CoV-2 Spike Protein"   0:41:09   Potential for Vaccinated Individuals to Transmit Spike Protein via Exosomes   0:42:37   Impact of Vaccination on Cord Blood and Placental Health   0:44:10   The Dangers of the COVID-19 Vaccine: Spontaneous Abortions, Sperm Counts, and Exosomes   0:48:19   Adverse Reactions to COVID Vaccines and Potential Treatments   0:51:19   Treating COVID-19 Symptoms   0:53:30   Benefits of Sunlight for Health and Healing   HIGHLIGHTS    There's an ayurvedic medicine from India I'm familiar with. I have a friend who's in the process of developing and marketing this similar medicine because I sent him information about Victor's medicine, my husband's medicine, and he said, a lot of the same stuff. So there's a lot of overlap between ancient Indian medicine and ancient Chinese medicine. I think that's actually a really good option because these are all-natural. These are natural products, not synthetics. I think people who are aware of ivermectin hydroxychloroquine as a way to treat COVID, early treatment for COVID, of course, that's a big controversy as well. But those people are also thinking that you could take those after you've got the vaccine, to take those to help you to deal with the symptoms of the vaccine.    And that's probably sort of the same thing that's happening with the vaccine. So you can get essentially long haul COVID and things like glutathione, and vitamin C, there are some natural nutrients that can help, I think, also ayurvedic medicine. And in fact, my husband is Chinese and he learned from some Chinese friends in Taiwan about the herbal medicine that the Taiwanese had developed specifically for COVID-19... And it has like twelve different ingredients that are ancient Chinese medicine ingredients that are specially chosen for the COVID-19 situation. And he's been taking that prophylactically off and on continuously. And then he finally got COVID a couple of months ago and you would expect him to be in the category of people who would be very sensitive to and he has no vaccine, so you would think, oh my God.   Let the rest of the cells see what they can do with it. And it's basically spreading the poison all over the body, and that's just really frightening. So it's so clear that this vaccine is far more toxic than any other vaccine. There are 27 times as many reports of virus for the COVID vaccines as for the flu shot. If you normalize by the number of shots that were delivered. So it's a 27-fold increased risk of having an adverse reaction to these COVID vaccines. And sometimes it can kill you. I mean, I know of cases where they start developing symptoms shortly after the second vaccine, and a year later they're dead, or three months later they're dead with a severe case of Creutzfeldt-Jakob disease. I know of cases like that, and I also know of cases of ALS. I get people that send me emails.   There were specific kind of stem cell that was four times four-fold reduced in level in the cord blood from these vaccinated women. So that's really quite terrifying to me. That means, of course, also for the baby, right? Because the cord blood is what's supplying, just working with the communication between the mother and the baby and blood supply, not having that defective version of the cord blood is bound to have an impact on the fetus as well. So that's really frightening. And of course, we've got high rates of spontaneous abortion.   Studies on mice have shown they just expose the mice to S one which is a piece of the spike protein. It's a toxic piece that has the ace two binding. It has a receptor site, ace two receptor sites, and S one is very toxic all by itself. And S One can get broken off from the spike protein at the fear and cleavage site. So it's got this special segment in it called the fear and cleavage site that is a unique form of the spike protein in the SARS CoV Two that allows it to be cut off into S One and S Two. And S One can just break loose and circulate. So the immune cells in the spleen are busy making spike protein because they've picked up the vaccine and then they're displaying that spike protein on their surface, but they're also releasing it inside exosomes. These are little lipid particles that are the communication network of the body. And those exosomes travel very well along nerve fibers. And so they're traveling along the vagus nerve up to the brain, up to the heart, over to the liver, and all of those organs are becoming inflamed and then getting sick. And you have this myocarditis, which is a nightmare, especially among the male athletes, young male athletes, myocarditis, and that's being caused by the inflammation that's induced by the spike protein. I think that's being delivered in the form of these little exosomes being spat out by those immune cells in the spleen that are furiously making spike protein. They can't stop themselves. It's really, really scary.     Subscribe to the Podcast here: Apple   |   Spotify   |  Stitcher Connect with Sinclair Kennally: Instagram: @detoxrejuvenation Website: https://detoxrejuvenation.com/

Dr. Tanya Altmann, FAAP, a UCLA-trained pediatrician talks with Michelle about the importance of play. Experts agree, play is an integral component to a child's development, as it builds important social and emotional skills. According to a recent study, due to COVID, kids are redefining the way they want to play, including seeking a safe space to play and the permission to say YES to play more. Yet where kids see fun and an opportunity to explore, parents can look at the same thing and see dirty surfaces, limiting kids' freedom to play. This has uncovered a play gap between the way kids want to experience play and how parents are helping to facilitate it. To help close this gap, the FamilyGuard™ Brand is introducing YES, PLAY!, a new initiative that highlights the importance of having a dedicated, clean play space in the home, while giving parents the tools they need to be successful in today's state of family play. Last year over 100,000 Americans died after overdosing on opioids, including prescription pain medications. Rates of prescription drug abuse in the U.S. are alarmingly high, as are the number of accidental poisonings and overdoses due to these drugs. Ashley Schmidt is the VP of Regulatory and Compliance at Inmar Intelligence and talks about National Prescription Drug Take Back Day, their drug disposal program and how people can get involved locally.When school breaks for summer, many kids want a break from everything! It's tempting to trade in alarm clocks, homework and gym class for sleeping late, screen time and snacking on sugary summer treats – but it's obviously not in kids' best interest, physically or mentally.The Society of Behavioral Medicine reports that physical activity for children between 6 and 9 years old drops by 53% during summer break, resulting in weight gain and bad eating habits. And the lack of stimulation leads to ‘summer learning loss,' a phenomena where kids lose academic skills, like reading and math.But the struggle to keep kids entertained, engaged and eating well for three months is real for parents! Fortunately, they're getting an assist. Who better to inspire kids to get off the bench and take a swing at adopting healthier habits than a woman who managed the diets of Chicago Cubs players for a decade?Registered Dietitian Nutritionist, Dawn Jackson Blatner, has teamed up with Eggland's Best to develop a game plan for motivating kids to stay active and eat healthy during their summer break and beyond! And first base is the YMCA's nationwide Healthy Kids Day® event on April 29th, an opportunity for families to get active, have fun and jumpstart a healthy summer.Kathleen Ashmore is a professional chef and recipe developer. In today's often hectic lifestyle, it can be hard to find better-for-you options while on the go. Smoothie bowls are an on-trend solution to keep you energized while you tackle the day ahead. Packed with premium ingredients and whole fruits, smoothie bowls can be incredibly nutrient- and protein-dense, especially if they include superfoods like açaí or pitaya, commonly known as dragon fruit.To meet the growing demand for healthier and more satisfying options on-the-go, Smoothie King – the first company to bring smoothies to the masses – launched a new product lineup, the Smoothie Bowl.

Tom welcomes Economist and Wealth Advisor Jonathan Davis back to the show. Jonathan Davis believes we could be repeating the 2008 banking crisis. Central bankers make incorrect statements about the future and have their own agendas often connected to politics. The Fed is surrounded by incapable academics and often behind the curve. Real estate mortgages will have to be reset at higher rates, and unemployment is likely to rise. Interest rates and inflation don't always work together, and there's little value in bonds for long-term investors. Commodities are in a state of collapse, and manufacturing is in contraction globally. China has a large debt and had to implement harsh lockdowns. Western countries are still closing nuclear plants while Japan and China are opening new reactors. The next major risk-off event could be soon and gold will rebound when it happens. He advises investing in funds for specific asset classes rather than individual stocks. Time Stamp References:0:00 - Introduction0:40 - History Repeating?3:30 - Data Dependent6:14 - Inflation Ahead?9:00 - Rates & Charts14:07 - Long-Term Treasuries?15:43 - Bias, Fed & Complacency18:17 - Equities Sell Off & Gold21:49 - Commodity Crash & China25:52 - Gold & Heart Conditions29:13 - U.K Mid Caps & DXY34:05 - Lagging Miners?35:52 - Uranium Thoughts40:45 - Best Markets for Metals42:46 - Overall Recovery Themes50:40 - Historic Dow Chart53:14 - Strategies & Funds56:25 - Wrap Up Talking Points From This Episode The 2008 banking crisis seems to be repeating.Commodities are in a collapse along with global manufacturing.Focus on investing with funds for specific asset classes rather than picking individual stocks. Guest Links:Website: https://jonathandaviswm.comTwitter: https://twitter.com/j0nathandavisTwitter: https://twitter.com/boomsbusts Jonathan Davis BA MBA FCII FPFS, Chartered Financial Planner, is the Wealth Adviser. He is a former Chairman of the London Region of The Institute of Financial Planning (now Chartered Wealth Management Institute). Jonathan has been delivering wealth advice since 1987. Johnathan established the Jonathan Davis Wealth Management in January 2007, where they provide a niche Wealth Management advising a small number of clients. He established this firm in January 2007. He has over 1000 appearances in the press, radio, and TV. He is often asked to comment on financial issues.

Matt Planeta is a vice president of Heffernan Insurance Brokers and he speak with John Kingston about the upward push in insurance rates that has been burdening trucking for several years now and whether there might be relief ahead.Follow the Drilling Deep PodcastOther FreightWaves Shows

On Today’s Show: -0:00:09:08.79 Introduction 00:03:04:11.59 I’m Not The Only One Who Has Issues With Jack In The Box 00:09:48:02.70 An Uppity Homeless Man Rates His Free Food 00:18:50:17.75 Macing Your High School Teacher 00:22:02:03.56 African Pastor Raises The (Fake) Dead 00:26:41:08.48 Sign Up For The Sideshow! 00:27:57:02.76 The Hardcore Drug Store Has Closed 00:32:09:02.68 […] The post An Uppity Homeless Man Rates His Free Food first appeared on Distorted View Daily.

DVR, Eno and Al discuss the latest round of prospect callups, including Matt Mervis, Bryce Miller, Brandon Pfaadt and Gavin Stone, and share their approaches for determining FAB bids. They also talk about the two latest additions to the Twins' rotation and assess the coming week's cohort of streamable pitchers. Rundown 1:04 This week's big callup news 16:59 Deeper-league hitter callups 22:33 Should we stash Christian Encarnacion-Strand? 26:24 Lineup developments 28:35 Notable pitchers 45:10 Streamers/two-start pitchers 55:42 Bullpen report Follow DVR on Twitter: @DerekVanRiper Follow Eno on Twitter: @enosarris Follow Al on Twitter: @almelchiorBB e-mail: ratesandbarrels@theathletic.com Subscribe to The Athletic at $1/month for the first year: theathletic.com/ratesandbarrels Subscribe to the Rates & Barrels YouTube channel: https://www.youtube.com/c/RatesBarrels Learn more about your ad choices. Visit megaphone.fm/adchoices

For more nuanced personal finance content, join 60,000+ others and sign up for the free Financial Samurai newsletter and posts via e-mail. Financial Samurai is one of the largest independently-owned personal finance sites that started in 2009.  Stay on top of your finances by signing up with Empower, the best free wealth management app today. Since 2012, I've been using Empowers free tools to manage my net worth an x-ray my portfolio for excess fees. If you enjoyed this episode, please leave a positive 5-star review! Episode Synopsis Despite all the carnage in the banking sector, the Fed hiked rates again on May 3, 2023 to 5% - 5.25%. This is the highest Fed Funds rate since 2007, a year before the global financial crisis devastated millions of lives.  Let's look on the brightside if we go back into a deep recession. Posts mentioned: The Upside Once The Fed Destroys The Middle Class Personal Lessons Learned Since The 2008 Global Financial Crisis Support My Books To build generational wealth, pick up a copy of Buy This, Not That, my instant Wall Street Journal bestseller. The book helps you make more optimal investment decisions so you can live a better, more fulfilling life.  To learn how to negotiate a severance and be free, pick up a copy of How To Engineer Your Layoff. Use the code "saveten" to save $10. 

Episode 52: Neal and Toby discuss the Federal Reserves decision to raise interest rates by a quarter point and what it could mean for the future of the banking sector. Plus, AirBNB goes all-in on single room rentals and New York is out on gas stoves. Neal gets into the spirit of May the 4th with some Star Wars themed numbers and... astronomers saw a star swallow a planet? Learn more about our sponsor, Fidelity: https://fidelity.com/stocksbytheslice Listen Here: https://link.chtbl.com/MBD Watch Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices

Eno and DVR discuss an excellent battle between rookie starters Bryce Miller and Mason Miller in Oakland on Tuesday night before a rookie pitcher installment of 'Would You Rather'. Plus, they examine some of the biggest risers among starting pitchers from the first month of the season.  Rundown 0:35 Mason Miller v. Bryce Miller 6:11 Would You Rather? Rookie Pitchers Edition 14:21 Per-Pitch Stuff+ Question 19:09 Hayden Wesneski's Low K% 22:16 Will Smith Takes Over As Rangers Closer 29:29 Shifting Toward Rostering Non-Closer Relievers? 35:55 April Risers & Fallers: Hitters 46:34 Jack Suwinski's Rise to Shallow League Relevance 52:48 Brandon Lowe's Elevated K%, Power Returns 57:47 Any Concerns About J.D. Davis & Michael Conforto? Follow Eno on Twitter: @enosarris Follow DVR on Twitter: @DerekVanRiper e-mail: ratesandbarrels@theathletic.com Subscribe to The Athletic at $1/month for the first year: theathletic.com/ratesandbarrels Subscribe to the Rates & Barrels YouTube channel: https://www.youtube.com/c/RatesBarrels This episode is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/rates and get on your way to being your best self. Head to factor75.com/rates40 and use code RATES40 to get 40% off your first box. Learn more about your ad choices. Visit megaphone.fm/adchoices

Photo: No known restrictions on publication. @Batchelorshow #Preview: #Special Edition: The Fed raise rates in a banking crisis? Liz Peek, Fox News, The Hill

The Federal Reserve raised interest rates again, its tenth consecutive hike, this time by a quarter of a point. But Chairman Jay Powell also suggested the Fed may pause future hikes if the economy continues to cool. He cited the state of the job market as to why he's optimistic the rate increases won't tip the economy into a recession. Amna Nawaz discussed the latest with David Wessel. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders

P.M. Edition for May 3. The Federal Reserve raised rates by a quarter percentage point on Wednesday and signaled it could be ready for a pause. Economics reporter Harriet Torry has the details. Plus, Russia blames Ukraine for a drone attack on the Kremlin. Ukraine denies responsibility. WSJ correspondent Bojan Pancevski has more. Annmarie Fertoli hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Photo: No known restrictions on publication. @Batchelorshow #LondonCalling: #MrMarket: Raising rates in a bank and non-bank crisis. .  @JosephSternberg @WSJOpinion https://www.bloomberg.com/news/articles/2023-05-02/pacwest-western-alliance-lead-regional-bank-stock-rout?srnd=premium&sref=5g4GmFHo