Podcasts about rates

So, you've decided to increase your session rates. Now, what is the best way to go about it? But, with so many modern food consumption plans, it's crucial to stay “in the know” with the high volume of strategies. On this “NASM-CPT Podcast,” host, and NASM Master Instructor, Rick Richey, explains the best practices for trainers to present when it's time to ask for more money from their clients. He'll disclose four technique suggestions to help smooth out the increase, as well as the exact script he uses with his clientele and a few more useful tips, as well. If you like what you just consumed, leave us a 5-star review, and share this episode with a friend to help grow our NASM health and wellness community! Introducing NASM One, the membership for trainers and coaches. For just $35/mo., get unlimited access to over 300 continuing education courses, 50% off additional certifications and specializations, EDGE Trainer Pro all-in-one coaching app to grow your business, unlimited exam attempts and select waived fees. Stay on top of your game and ahead of the curve as a fitness professional with NASM One. Click here to learn more. https://bit.ly/4ddsgrm

Scott Wapner and the Investment Committee debate the battle between rates and stocks and what it means for where the markets might go from here. Plus, the Investment Committee detail their latest portfolio moves. And later, Josh Brown shares some updates to his “Best Stocks in the Markets” list.  Investment Committee Disclosures

Terry Sawchuk is the Founder Sawchuk Wealth.   • Today's CPI report will likely be pretty important, if the number is hot, rates will likely keep going higher and stocks/bonds lower, if it is in line or lower, might help stabilize markets and mark a short-term bottom • Wildfires are a sad example of why you need risk management in place before disaster happens – need to protect money now and diversification is probably not the answer • Markets are reacting to higher rates, they expected 4-5 rate cuts this year, not likely to get them from where we sit today • People need to figure out if they or their advisor were simply lucky or good over the last two years, because that will make all the difference as to how they fare over the next 12 months. • Inflation looks like it's running higher which is not what many “experts” predicted

Discover the latest global real estate trends and untapped investment opportunities. Keith uncovers high-yield new build rental properties that can deliver impressive returns, even in today's challenging market. Don't miss your chance to build lasting wealth through strategic real estate investing. Tune in now to get the insider insights you need to get ahead. The podcast dives into dramatic global real estate trends, with home prices skyrocketing over 10% in countries like Colombia and the Netherlands. It also examines the alarming rise in U.S. homelessness, driven by factors like housing shortages and inflation. To counter these challenges, the show spotlights compelling new-build rental properties that could offer attractive returns for passive investors. GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/536 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:02   Welcome to GRE. I'm your host. Keith Weinhold, we look at global home price change, the asset class rundown, then the homelessness crisis is mega bad. It just reached new, unprecedented levels, and real estate and inflation has a lot to do with the homelessness surge today on get rich education.   Speaker 1  0:28   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, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show. Guess who? 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  1:13   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  1:29   Welcome to GRE from Kent Washington to Tashkent, Uzbekistan and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education. One reason for a not just national, but global, rise in real estate prices is that you can't fake it. Real property is not a derivative, yeah, you can't fake it. So this really emphasizes the word real in real estate. It's not a crypto within infinite supply. It's not an NFT. You can't fake construction. You can't fake real materials put into property, from concrete to kitchen cabinets. So in the year recently ended, as we catch up to global home prices and select nations, per Fitch Ratings. Let's do that because it was not just a US centric thing. In the Netherlands, the home price change last year was 13% you had that much appreciation in the Netherlands. Colombia, 10% Mexico up 9.3% Brazil had 8% home price appreciation. Australia, 5.2% Australia has just seen year over year home price appreciation for such a long time. The UK had 5% appreciation. Spain, 5% as well. The USA, 4% just like I predicted at the end of 2023 for 2024 It did indeed come in at 4% Canada also had exactly 4% home price appreciation last year, just like the USA did. Denmark 3% Italy and Japan each at two and a half percent. Germany home prices were up just one and a half percent. And France had home prices that fell 3% China had home prices that fell 7.8% that supply versus demand thing in China, where they massively overbuilt, that's why home prices are down there. And as I unveil the depths of the USS homelessness crisis later here on the show, you will see that, yeah, those appreciated real estate prices, like I just mentioned, they have a lot to do with it. Now you might think of the youngest generation, the generation after Gen Z, as generation alpha, and that is true. However, they are no longer the youngest generation, because the babies born on New Year's Day of this year not only got to be featured in feel good local news stories. You know what? They are, also the first members of generation, beta, yeah, which will include children born from 2025 through 2039 so that is the future and the future demographic that's going to demand housing. But first of all, let's look at a year that was yes for years here on the show, we have our asset class rundown shortly after most quarters end, and certainly after a year ends. And today is no different, and this is because at times you've got to compare real estate with the other investment options that are out there. We now have music to play for our asset class rundown feature each time for today and. Future shows. And I know the GRE sound engineer has got to like this. He's also a DJ dropit, Vedrand. Here is GRE 's asset class rundown for the 12 months of last year, residential real estate values were up 4% per the NARS. Single Family existing home price, like I said earlier, single family rents up about 2% per core logic, apartment rents pretty flat, down six tenths of 1% for the year per apartment list, office buildings were down in value 9% the 30 year fixed rate mortgage. It started last year at 6.6% everyone, I mean, everyone, thought that they would go lower, but nope, they ended at 6.9% a little higher. That's per Freddie Mac survey. The s5&p 100 index was up over 23% topping out at 6100 last year. That is the first time the s&p has been up 20% plus in back to back years since 1998 and the s&p is meant to represent 500 companies, but it has become so concentrated due to the rise of the Magnificent Seven stocks that its effective diversification is less than 60 stocks. Morgan Stanley just announced that they expect the SP500, 100 returns to be flat for the next decade due to lofty valuations. Do you know that since 2000 gold has outperformed the s&p last year, gold shot up from about $2,000 peaked near $2,800 and then ended up about 30% for last year, the yield on the 10 year T note was up 63 basis points last year, basically rising from four up to 4.6% by year end. What that means is that that signals higher inflation expectations. Bitcoin up an astounding 111% to end last year around 95k and it topped out at an all time high of 108k oil up just 2% to 72 bucks and a wild card for you. Through October, Bible sales were up 22% compared to the same period versus the previous year. That is GRE 's asset class rundown. It was.    This is get rich education. Let's drop back and do some learning before I update you on housing and the homelessness crisis. Now, a lot of Americans don't really know history that well, and not very many have a good financial education either. But you know, it is quite possible that even the next person you spot in a Trader Joe's aisle has heard of Adam Smith in his landmark 1776 book The Wealth of Nations. Did you know that Adam Smith is the one credited with actually inventing the very concept of supply and demand? Yeah, Adam Smith, a Scotsman is credited with that. He is known as the father of modern economics. You might have already known that. Well, of course, supply versus demand seems to be a more relevant concept than usual. Here with the housing shortage crisis, Adam Smith, he proposed the idea of what he called an invisible hand, that is the tendency of free markets to regulate themselves using competition, supply and demand and self interest, a Darwinian sort of struggle. Really, did you know that he also created the concept of gross domestic product? Yeah, prior to Adam Smith's work, most people considered a nation's wealth based on the amount of gold and silver reserves that they had stored. But Adam Smith said no, it's more about productivity quantified in this GDP in a lot of his work. It also discusses the evolution of human society from a hunter stage with no property rights and no fixed residences, to nomadic agriculture with shifting residences. And then the next stage after that is a feudal society, where laws and property rights are established to protect privileged classes. And finally, that modern society is characterized by laissez faire or free markets, so a good chunk of Adam Smith's work revolved around real estate. Now, the history of economics like that is a phrase that sounds boring. Maybe it is to some people, but as an investor, the least that you should know about Adam Smith's landmark book The Wealth of Nations from the year 1776 is that to review, he invented the supply demand concept. He created the GDP concept, and he championed free markets. That's something you're going to appreciate knowing in your investor life. And also supply demand, as I discussed that in the homelessness problem shortly.    we are a real estate show, and, you know, I just don't hear other real estate shows talk about, well, the unfortunate, I guess, absence of real estate in an increasing number of people's lives now, even if you have a home, learn about how homelessness is gonna make your life worse, too. In fact, it already has. I'm not sure if you've noticed, I will get into that as well. First listen to these two spots, freedom, family investments for an eight to 10% return on your liquid capital and Ridge lending group, they specialize in income property loans. They can really help you, and I would know, because I use them both my self. I'm Keith Weinhold. This is get rich education. Here you go.   Oh, geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself earn 10% like me and GRE listeners are. Text family to66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, you can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Ken McElroy  12:41   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  12:57   Welcome back. You're listening to get rich education Episode 536, I'm your host. Keith Weinhold, it is bad. America just hit a record high homelessness number, and it is up double digits, over 18% in just one year. It is even worse when we look at family homelessness and the rise in that and gosh, get this unaccompanied youth homeless, meaning like a 15 year old kid homeless and drifting by themselves. And this is all in the most powerful nation in the world. And even if you have a home. Homelessness is gonna make your life worse, too. We'll also look at how Trump wants to address this. It is major. And finally, are there any solutions to the homelessness crisis in America today? Well, there are now over 771,000 homeless in America, that's up from 653k just last year. And yes, the homeless can be hard to count, but as long as the methodology stays the same, I mean, there you go with the 18% increase. And here's the thing from all the years, from 2007 to 2023, all 16 of those years, we only saw a total increase of 19% during that entire span, and now 18% in just one year this latest year. I mean, talk about exponential and accelerating homelessness growth. And before I tell you about why this is happening, let's get a better idea of the gravity of this sad situation here, and this is all from HUD's newly released annual homelessness assessment report to Congress among subgroups families with children saw the biggest increase as. At 39% year over year. You think that's sad, but consider how sad this is. Unaccompanied homeless children, they're up 10% in just a year, and that was only up 3.4% all of the previous 16 years combined. Veterans are the only group to see a decrease, and the number of homeless people over 65 so we're talking seniors here that is expected to almost triple by 2030 that is just five years away, and it is just widespread too. I mean, nearly no US geography is immune from this spike in homelessness, from Florida to Maine to California to Alaska. Now, even if you have a home, the shoes of that are pretty good, if you're listening to me, you know, why does this even make your life worse? Well, of course, first of all, homelessness can make your city blighted. But beyond that, just think about how many ways it's just changing your week in and week out routine. I mean, have you noticed, like, just take, for example, when you or I walk into some grocery stores anymore. I mean, I notice how different things are than they were just say, five years ago. I mean, you've got to notice some of these things now, more often than there was just a few years ago, there's an armed guard when you walk into a store near the entrance. Well, someone is paying for that security, whether it's the store passing the price along to you, or whether it's a government or municipality paying that, well, that's where your tax money goes. And what about when you're shopping the aisles of a supermarket, or, say, CVS? Well, now even kind of moderately priced items like bottles of moisturizer, they are under lock and key behind a Plexiglas case. That's inconvenient while you're shopping if you need to use the bathroom, oh, now you need to go get a key or learn the door code to access the bathrooms. That's inconvenient when you're done and as you walk out of the store now, they are more likely to have an attendant that checks your receipts on the way out, and this is just one example at the supermarket. I mean, so many of your patterns are changing due to poor people getting poorer, and the homelessness crisis, if you're in a rural area, it probably affects you less. But just take a look around and notice the change. We're not talking about the change from your parents era, but just in your own life over the past, say, three to five years, homelessness is not good for an area's crime rate either. I mean, it is not good to have desperate people, hungry people, these people have nothing to lose if you're homeless and you commit a crime and go to jail. Hey, that might be an upgrade for some people now you've got a warm, clean place to stay in jail. So now that you and I understand more about why this even affects you and I let's talk about why is homelessness growing at this alarming rate, well, higher prices for real estate, which really accelerated in 2021 and they are not going to relent. As I've said elsewhere, home prices are not going to go down in a meaningful way anytime soon as just three weeks ago. Here on our forecast episode, I forecast another 5% of national home price appreciation this year. And it's not just higher prices, it's higher rents. Rents really started taking off in 2021 as well. Well. Higher rents, that means more evictions, and an eviction is the start of homelessness for a lot of people. And a third reason for this surge in homelessness is just that overall lack of housing. I have covered that extensively elsewhere. Yes, the housing supply crisis, and as I'm known for saying, the housing crash already occurred. Did you miss it? It was a supply crash that occurred about five years ago, and a lot of agencies think we're under supplied by 3.7 million housing units. Now, when you look at the new HUD supplied map of homelessness by state, you can very much see that it is about housing, because those regions with the highest home prices generally have the most homelessness. We're talking about the Northeast, the West Coast and Hawaii. And the fourth reason for the homelessness surge is that, of course, inflation started accelerating about four years ago, and people just cannot make ends meet anymore. CPI inflation peaked at 9.1% back. In June of 2022 and year over year, prices are still going up 3% today. Prices are not going down. They're just rising at a slower rate. And of course, inflation hurts the poor and actually helps the wealthy, exacerbating the inequality Canyon the wealthy have assets. Those assets float up in value with inflation and the prices at the grocery store are just a tiny part of a wealthy person spending. But the poor don't own assets that float up with the inflation and higher grocery prices and things like electric bills, well, they comprise a big part of a poor person's income. And fifthly, the massive arrival of immigrants pushed up homeless numbers these past, oh, three or so years. And it remains to be seen how many of those people really get deported. And you know, a sixth reason for homelessness. It's not something new, it's what I'll call all of these background reasons that have been there for decades and are not going away, like how a medical emergency can even drain a middle class person's savings and things like ongoing substance abuse. I mean, drug users often cannot stay employed. So there you have it. What was that? Six big reasons that I've identified for surging homelessness now let's see what Donald Trump has to say and understand that, due to last June Supreme Court decision, Trump now has got more power to clear out encampments and make life for the homeless more difficult, opening the door now to be criminally charged for trespassing and illegal camping. I mean, you really don't want to be homeless today as part of what Trump calls his agenda 47 his plan to tackle homelessness. Here is his preamble.    Donald Trump  21:57   Our once great cities have become unlivable, unsanitary nightmares surrendered to the homeless, the drug addicted and the violent and dangerously deranged. We're making many suffer for the whims of a deeply unwell few, and they are unwell. Indeed, the homeless have no right to turn every park and sidewalk into a place for them to squat and do drugs. Americans should not have to step over piles of needles and waste as they walk down a street in a beautiful city, or at least once beautiful city, because they've changed so much over the last 10 years.    Keith Weinhold  22:40   So that's the problem. Here's the solution. I'll boil down the meat of the Trump agenda, 47 homeless statement to just the most salient 40 seconds for you here. Just listen to this, and as you listen in closely, note that this is not a housing first plan for the homeless. Instead, it's treatment first.   Donald Trump  23:03   Under my strategy, working with states, we will ban urban camping wherever possible. Violators of these bans will be arrested, but they will be given the option to accept treatment and services if they're willing to be rehabilitated. Many of them don't want that, but we'll give them the option. We will then open up large parcels of inexpensive land, bring in doctors, psychiatrists, social workers and drug rehab specialists, and create tent cities where the homeless can be relocated and their problems identified. But we'll open up our cities again, make them livable and make them beautiful.   Keith Weinhold  23:43   Okay, it's not housing first, because, see, he wants to ban urban camping, something that parallels the Supreme Court decision. What this is not is that it is not giving the homeless hotels in the city, like some cities have recently done, converting their hotels into homeless shelters. Instead, this is designating large parcels of cheap land for tent cities, but outside the urban core, like in a big grassy lot, and then bringing in social workers and rehab specialists for them, and that way, his solution is that this city is free of homeless people, and really that is the crux of Trump's plan. But what are some other solutions here? And these are now my insights, not Trump's, that is, build more housing. That's really simple. I mean, this will naturally slow down, accelerating home prices and spiking rents, and we've got to relax regulation and zoning. We had a zoning expert, Nolan gray on the show here last year. Some scholars believe that we should just eliminate zoning in America completely. And one. One way to relax regulation is to Gosh, revisit some of these over the top safety concerns. I mean, look, it increases the cost of the most basic entry level housing when every home needs to have all these thick, fire rated doors and smoke detectors all over the place, and carbon monoxide detectors everywhere, and GFCI electrical outlets all over the place. I mean, hey, it sounds kind of funny to say out loud, but all this stuff contributes to making affordable housing impossible. And another solution is that you've got to kill nimbyism in a lot of cases, yes, that not in my backyard. Ism, you know, a person can act like they're all pro development, and like they're all free market, and they want to have their home built just how they want it, where they want it, but you know what, as soon as their home was built, they don't want others moving near them, yeah, somehow the free market's not so great anymore, okay? And they sure don't want apartment buildings nearby. Well, that is what we need, allowing taller structures to be built. That is called up zoning. It doesn't have to be a gigantic apartment building either. We need more, mmm, properties, multi families, missing middle. That means building more two, three and four unit structures in single family neighborhoods, duplexes, triplexes, fourplexes, because a lot of those can be built so that they look like single family homes. But yet it's something affordable and it helps with density. Another solution to deal with homelessness is to, of course, bring down inflation. The government needs to stop printing, say, $1 trillion to pay for a program, whether that's sending aid to foreign nations or whatever that program is. When more dollars are created like that, it debases the currency everyone else is holding on to, including your dollars, and it makes everyone from landlords to grocers have to raise their prices. And you know, here's the funny thing in the last election for president that we had last year, well, that administration got voted out of office, and many say that the number one reason was due to high inflation, but yet, look at what they voted for with the incoming administration. Everyone expects higher inflation. So there's a real paradox there.    On our YouTube channel, you can watch videos of me going out outdoors and interviewing the homeless. In fact, I'm surprised at how many homeless let me into their tents, and they wanted to show me their makeshift shelters and tell me about their life. I mean, that's kind of the good news. They were open. They were friendly people. I think they really wanted that to get exposed, because they were hoping that people would see that to come do something for them. I think that's why they've been so open with me. So that was good on the flip side, oh gosh. One thing that they have in common is that they all seemingly want to blame somebody else for the condition that they're in other than themselves, like the government or including telling me that landlords are greedy. But it really is fascinating to see from our get rich education YouTube channel, which is different content from this show. Just search the word homeless there on the get rich education YouTube channel and you can see it.    Hey, I want to ask you something. What is your on ramp to real estate investing? Like, how did you approach it? Or how did you get into it? I mean, mine was as a disgruntled employee. That's it. I didn't come from a complimentary professional place. I mean, that's how I became an investor, and there was nothing wrong with my job position. Specifically, I worked with good people and everything. In fact, I had an easy and safe job, and it paid a little bit well. But, you know, safe is not the place to be. Safety is the opposite of freedom. As an employee, you know, I could see that 401 K type plans. They were designed so that you don't get income from them until you're old. It's a salary reduction plan all those working years as well. Well, no wonder that your employer encourages participation in them. That way they're going to keep you working as an employee until retirement, because that's when they're designed to generate income. But see my point here, really is that I did not have a complimentary skill set to real estate investing, and if you do, it can be to your advantage. So you know what I mean. Let's take a couple of friends of. The show here, Robert Helms, host of the terrific real estate guys radio show. He came from a real estate agent family. His dad was an agent. Well, that can help you find deals. How about Ken McElroy, another frequent guest on the show here, very successful real estate investor. Well, he was a property manager before he became a real estate investor, totally complementary skill set. And by the way, two months ago in New Orleans, I was invited to participate in a collective inner circle mastermind group session that Robert and Ken help run. That was cool, but getting back to complementary skill sets, Michael Becker, a former guest here on the show, he was a lender, so he got to see the paperwork of all these successful investors. So he became one himself. I mean, as a lender, you keep seeing savvy investors leverage themselves with debt and then do cash out refinances, a tax free windfall event, all while they keep the asset too well. He wanted to get in on some of that. And I also know real estate investors that started out as handymen, okay, a hands on trade that can totally help when you're starting out as a real estate investor. So do you have a complimentary skill set that can help make you a successful real estate investor. If you don't, then don't despair, because you know what? I don't have one myself. I was just a former employee that wanted something else. I don't have a complimentary skill set to real estate investing. No transferable professional skill. Instead of that, I just became a reader, but not a massive reader. Of course, I was a learner before I was a teacher. I enjoyed learning this stuff, and I also got a good grasp on the numbers and how that works. But importantly, my advantage was I take action, I just keep adding property to my portfolio. You just got to keep doing that, regardless of what's happening in the larger economy or what prices are or what interest rates are.    And as you know, last week, I discussed the advantages of owning and building with brand new build rental property today, and you know, new build and these build to rent properties, those are things that that really wasn't even available when I started out investing. Well, it wasn't. I mean, with new build, oh, your maintenance repair costs are going to be low. You tend to attract a high quality tenant that also tends to stay for a while. Insurance costs tend to be lower on new build. And there's a bigger advantage than all of that in the market cycle right now that I'll get into shortly. Well, historically, the long run average. Do you have any idea what proportion of homes for sale are new build homes? Any guess, like, what share of those homes are new? It's only about one in eight. Yeah, the Census Bureau and the NAR tell us that it's 13% historically. Okay, well, what do you think it is today? Well, today, that number is up. Existing homeowners, they're not selling those homes aren't getting on the market as often due to the lock in effect, and we have to add supply. So in order to do that, we are building more new there's just no other way to bring it to market. Well, today, the proportion of new build homes for sale among all homes for sale is fully double that, at 26% although we're still undersupplied of homes in the US by about 30% you know there are pockets where they've overbuilt with new builds, including in Florida and Texas. So the time could really be right to expand your income property portfolio in one of those places, because builders that we work with at GRE marketplace are really willing to give you a deal now you've got them right where you want them if you're looking for a deal. How does a four and three quarter percent interest rate sound? Yes. Rates on non owner occupied property are about eight right now. They're about seven on owner occupied property, but we've got builders willing to buy your rate down to 4.75% and they're also offering one year of free property management and three months of rent guarantee protection in case your property is not occupied right away. The first one is a brand new build duplex in Inverness, Florida, two beds, two baths, each side, price of 420k projected rent from both sides at $2,830 and the size is 2100 square feet. I mean the. That sounds like it could make your cash flow thin, until you consider that 4.75% fixed mortgage rate the property tax is about one and a half percent and insurance get this projected at just $1,155 a year for an entire new build duplex, and now you might ask, what could the rate of return be on this Florida duplex new build? Well, I projected 5% appreciation for this year. New builds tend to appreciate better than existing property, but let's just use 5% if you have a 25% down payment, that's four to one leverage. So you've got a 20% return on your money. And let's just keep it conservative. When we look at monthly cash flow, that results in a 5% cash on cash return. Add that to your 20% leverage appreciation, you're up to a 25% ROI already. Add in the fact that your tenant is paying down your principal for you by $405 every month. That's 4860 annually, divided by your 105k down payment. That means you've got another four and a half percent return here. Let's just call it four. You're up to a 29% total ROI we haven't even added in yet, your tax depreciation benefit, and now you're up to a return in the mid 30s. Finally, your inflation profiting benefit on your fixed amortizing debt, and you are well into the 40s for a percent return on an annual basis. And of course, most of these are only projections. It could disappoint you at 30 or less, still a nice return, or it could over perform at 50% or more. I mean, this right here is how wealth is built. I mean, this is how you do something that disrupts your entire family tree that was the new build duplex. Then I'll share one other one with you. Here from GRE marketplace. Is a single family rental. This one is in Locust Grove, Georgia. Gosh, it looks really good in the photo here with a two car garage and some brick facing, its price is 339k rent is 2350 The size is 2164 square feet, so only a little bigger than the duplex here in this new build, Georgia, single family rental, four beds, two baths, beautiful looking new construction on the inside, open floor plan, stainless steel appliances, I can't tell whether the floor is LVP or wood laminate, but it's got a flooring type that's resilient, that tenants like, and your rate of return is going to be similar to the duplex ROI that I laid out, though probably not quite as high as the duplex. I mean, with these interest rate buy downs, these could very well be the property types where, in just five years time, maybe even as little as two or three years time after owning them, you look back and you consider how opportunistic you work in this part of the market cycle where there are now more new builds that you can choose from, and a builder was willing To make you a deal to keep their product moving, because they build a little too much in some pockets of Florida, for example. So yes, these and more like them are available, and there are more in Florida, Georgia, Alabama and a number of other states. And you know, something I don't think I shared with you earlier, it's convenient. You can get a spot with one of our GRE investment coaches right on their calendars, you can look at their calendar and pick a date and time that's convenient for you. For a free coaching session, they will learn about you. They'll let you know where the real deals are, if they're right for you at all, all you've got to do is visit GRE marketplace.com, and click on the free investment coaching area. There you are with some real opportunities and an actionable resource. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  39:17   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 you   Keith Weinhold  39:45   The preceding program was brought to you by your home for wealth, building, get rich, education.com    

The global surge in bond yields and the dollar is putting pressure on tech stocks. We'll dig into how long these headwinds could persist. Plus, Meta CEO Mark Zuckerberg is calling out Apple for a lack of innovation and for “squeezing people.” We'll look at the potential fallout for advertisers amid his recent political shift. And Redfin is fielding thousands of calls as the rental market looks to absorb the fallout from the California wildfires. We'll check on the real estate market with the broker's CEO.

***TIME SENSITIVE***Make sure you jump on the first MUST-ATTEND event of 2025: https://geni.us/Summit2025_____________________________________________________________________________________________________________________________________________Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEShop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityUtilize the fastest and easiest way to look up and order parts and tires with PartsTech absolutely free.Click here to get started: https://geni.us/PartsTechTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingPros In this episode, Lucas and David are joined by Brandon Sloan. Brandon discusses resolving a tricky issue with a 2014 Sierra by identifying a hairline fracture in a spark plug. Lucas criticizes flat-rate pay systems, emphasizing they unfairly burden technicians and reflect poor management practices. Lastly, Brandon and the hosts discuss the repercussions of misinformation in the industry, highlighting the importance of expertise and transparency.00:00 Story emphasizes changing priorities over passion.07:50 Misdiagnosis due to incorrect identification of part.14:47 Costs demand sufficient revenue to justify wages.16:31 Understaffed machinists struggling with workflow demands.21:18 37" tires damage Dodge Ram transmission quickly.26:25 Dealers avoid ECM tuning for big trucks.33:45 Acknowledging being a flawed shop owner.38:12 Pricing changes for engine modifications and upsells.47:03 Lower cost means lower quality expectations.51:28 Inspecting 2014 GMC Sierra transmission. Converter replaced.57:17 Educated customer on spark plug resistance issues.59:47 Cam actuator caused DTC; updated software fixed.01:04:30 Lucas Underwood was murdered by fake friends.

CBS Business analyst Jill Schlesinger joins Debbie Monterrey and Tom Ackerman with a look at the economy ahead of a new Trump administration. Follow her at JillOnMoney.com

Dr. Caldwell B. Esselstyn, Jr. explores effective strategies to end the cardiovascular disease epidemic. Learn how lifestyle changes and preventive measures can significantly reduce heart disease risk. #CardiovascularHealth #HeartDiseasePrevention #HealthRevolution

Fixed vs. Variable Mortgages: How Changing Rates Have Shifted the Landscape   As you consider your options for financing your new or existing home, one of the key decisions you'll face is choosing between a fixed or variable mortgage rate. This decision hinges on your financial goals and your comfort with risk. A fixed-rate mortgage offers predictability and stability, giving you the peace of mind that your payments won't change over the term of your mortgage. However, if you're open to a bit more risk in exchange for potential savings, a variable-rate mortgage might be worth considering. Here are some key benefits of a variable-rate mortgage: Benefit from Rate Cuts: Recently, the Bank of Canada made three one quarter cuts to its overnight rate, and more cuts are expected as inflation eases. With a variable-rate mortgage, these cuts could lower your monthly payments, saving you money over time. Flexibility: Variable-rate mortgages often come with more flexible terms and lower penalties for early repayment or switching lenders. If you need to break your mortgage early, the penalty is usually just three months' interest—much lower than the potential costs associated with fixed-rate mortgages. Short-term Financial Advantages: If you're planning to sell or refinance your home within the next few years, a variable rate could be advantageous. With rates expected to continue falling this year and next, the potential for additional savings is significant. And remember, if market conditions change and rates start to rise, you have the option to lock into a fixed-rate mortgage at that time. This provides an added layer of security, ensuring you're not caught off guard by unexpected rate hikes. Ultimately, choosing between a fixed or variable mortgage rate depends on your unique situation and financial goals. As a dedicated mortgage professional, I'm here to help you navigate your options and find the best solution—at no cost to you. If you have any questions or would like to discuss your mortgage options further, please don't hesitate to reach out. You can contact Karen Monteiro, Principal Broker with Mortgage Alliance Greater Golden Horseshoe, at 519-590-6847 or via email at karen@maximumresults.ca. Let's work together to determine which option is best suited for your unique needs.

Open Source bi-weekly convo w/ Bill Gurley and Brad Gerstner on all things tech, markets, investing & capitalism. This week they discuss Brad's public market predictions, AI enthusiasm and fears, interest rates, inflation, DOGE, federal budget analysis, big tech capex, scaling inference, Satya Nadella, Jensen Huang, Elon Musk, AI reasoning models, chain of thought,  & more. Enjoy another episode of BG2! Timestamps: (00:00) Intro (02:58) Frontline Ideas for 2025 (07:02) The Bogeyman (Interest Rates and Inflation) (09:21) Mega Cap Valuations & Expectations (14:02) Big Tech CapEx (16:51) Scaling Inference (20:11) Future of AI (39:50) Role of Power in AI Development (42:58) Interest Rates & Economic Growth (45:11) Federal Spending & DOGE (54:15) Regulatory Landscape for AI (01:01:27) Co-opetition in AI (01:17:06) Reasoning Models & Chain of Thought Available on Apple, Spotify, www.bg2pod.com Follow: Brad Gerstner @altcap Bill Gurley @bgurley BG2 Pod @bg2pod https://x.com/BG2Pod

Get our Business Monetization Playbook: https://clickhubspot.com/monetization Episode 667: Sam Parr ( https://x.com/theSamParr ) and Shaan Puri ( https://x.com/ShaanVP ) talk to Sheel Mohnot ( https://x.com/pitdesi ) about the biggest opportunities he sees right now.  — Show Notes:  (0:00) Intro (2:33) iPod mini hustle (10:40) Being a dot collector (20:30) The $100M story of Thistle (24:30) IDEA: Affinity-based retirement home (34:30) IDEA: Yelp for professional services (38:48) IDEA: Pearly whites (42:10) IDEA: Outsourced pizza (44:40) The story of Grey Goose (48:00) IDEA: School for AI Tools (52:00) Sheel's credit card stack (59:00) Sheel's position on crypto (1:03:00) Learning to sell — Links: • Thistle - https://www.thistle.co/  • Sam's List - https://samslist.co/  • Pizzeria DeLuna - https://pizzeriadeluna.com/ • U.S. Bank Smartly Visa - https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html  — Check Out Shaan's Stuff: Need to hire? You should use the same service Shaan uses to hire developers, designers, & Virtual Assistants → it's called Shepherd (tell ‘em Shaan sent you): https://bit.ly/SupportShepherd — Check Out Sam's Stuff: • Hampton - https://www.joinhampton.com/ • Ideation Bootcamp - https://www.ideationbootcamp.co/ • Copy That - https://copythat.com • Hampton Wealth Survey - https://joinhampton.com/wealth • Sam's List - http://samslist.co/ My First Million is a HubSpot Original Podcast // Brought to you by The HubSpot Podcast Network // Production by Arie Desormeaux // Editing by Ezra Bakker Trupiano

Ian Lyngen and Ben Jeffery bring you their thoughts on the U.S. Rates market for the upcoming week of January 13th, 2025, and respond to questions submitted by listeners and clients.

Direxion's Ed Egilinsky examines the commodity space with his eyes on energy products such as natural gas and crude oil. Ed notes that the Fed and higher rates will drive the overall market narrative in the new year. He points out the seasonal ripple effects on crude oil and natural gas. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jessica Ettinger.

Amid news of a powerful upswing in apartment demand, rising investor interest, and increasing consumer confidence, the rising yields for 10-year treasuries are a dark cloud that promises to make CRE investment interesting, if not straightforwardly difficult for investors looking for a larger spread between cap rates and debt costs. Likewise, CRE borrowers with loan maturities in 2025—perhaps even some who faced loan maturities in 2023 and were already granted extensions from their lenders—could face an even tougher path. There is optimism among multifamily investors, but 2025 will have its share of challenges alongside opportunities. Sources discussed in this episode: RealPage: “Resounding Appetite for Apartments Overtakes Oversupply Fears in 4th Quarter 2024” - https://www.realpage.com/analytics/4q-2024-data-update/ Harvard Joint Center for Housing Studies: New Projections Anticipate a Slowdown in Household Growth and Housing Demand” - https://www.jchs.harvard.edu/blog/new-projections-anticipate-slowdown-household-growth-and-housing-demand Cushman & Wakefield: “​​10 Critical Questions for 2025” - https://www.cushmanwakefield.com/en/united-states/insights/10-critical-questions MSCI: “Investment Trends in Focus: Key Themes for 2025” - https://www.msci.com/www/research-report/investment-trends-in-focus-key/05245039511 Moody's Analytics: “Q4 2024 Preliminary Trend Announcement” - https://www.moodyscre.com/insights/cre-trends/q4-2024-preliminary-trend-announcement/ For the latest multifamily news from across the internet, visit the Gray Report website: ⁠https://www.grayreport.com/⁠ Download Gray Capital's latest report: ⁠https://www.graycapitalllc.com/report/⁠ Sign up for our free multifamily newsletter here: ⁠https://www.graycapitalllc.com/newsletter⁠ DISCLAIMERS: This video does not constitute professional financial advice and is for educational/entertainment purposes only. This video is not an offer to invest. Any offering would be made through a private placement memorandum and would be limited to accredited investors.

TikTok is launching its first e-commerce product exclusively for travel brands to help them reach potential customers in the booking moment. Meanwhile, Hilton has surpassed 1,000 trading hotels in Asia-Pacific ahead of schedule and plans to expand further by tailoring offerings to local travelers and leveraging strategic franchising. Lastly, with hotel supply in India lagging behind demand, industry analysts predict room rates will surge and revenues will continue climbing through the 2025 and 2026 fiscal years. TikTok said Thursday it's launching its first e-commerce product exclusively for travel brands Hilton is looking to take advantage of the travel boom across Asia  Room rates in the India are expected to surge Connect with Skift LinkedIn: https://www.linkedin.com/company/skift/ WhatsApp: https://whatsapp.com/channel/0029VaAL375LikgIXmNPYQ0L/ Facebook: https://facebook.com/skiftnews Instagram: https://www.instagram.com/skiftnews/ Threads: https://www.threads.net/@skiftnews Bluesky: https://bsky.app/profile/skiftnews.bsky.social X: https://twitter.com/skift Subscribe to @SkiftNews and never miss an update from the travel industry.

Tommy talks with Mark Rosa, President and CEO of Jefferson Financial Federal Credit Union

In Illinois, Black residents are eight times more likely to be homeless than white residents. The lack of affordable housing, the racial wealth gap, the legacy of redlining all drive these high rates. This is outlined in a report from the Institute for Research on Race and Public Policy, commissioned by the Illinois Office to Prevent and End Homelessness. Reset hears more about these structural factors and what can be done to alleviate these disparities from Illinois State Homelessness Chief Christine Haley. For a full archive of Reset interviews, head over to wbez.org/reset.

Timdavisonline (00:02.338) Hey, hey, what is up everybody? Tim Davis over here, the originators guide.com your home of your coaching tip in under three minutes or less. And today we're tackling the conversation ever lone officer faces out there today. It's rate objections, right? And I want to talk to you about how to respond with confidence and shift that conversation to what really matters. Right? So here's the truth. If you let the conversation stay focused on rates, you're going to be playing on defense and that's not where you want to be. Yeah. Timdavisonline (00:30.998) Rates are part of the mortgage, but they're not the whole story. So when your client says, I'm looking for the lowest rate possible, here's some ways that you can confidently guide that conversation. Number one, you want to acknowledge and then reframe, right? So you start by acknowledging their concern so it shows that you're listening. So for example, you can say, totally understand wanting the best rate. That's certainly important. But let me ask you, is the lowest rate your biggest priority or are you looking at the best over? Timdavisonline (00:58.838) overall fit for your financial goals, and even more importantly, the best monthly payment that you can afford. Because at the end of the day, people shop payments. That's what they're really asking you is like, how low can I get my payment? Everything's so expensive these days. Milk, bread, eggs. I got to have a great payment. Then number two, you can shift to the cost involved and Timdavisonline (01:21.546) actually how the payment is gonna work out, right? So maybe there's a way that you can structure the loan with a little higher rate that maybe includes upfront mortgage insurance, right? Or it's rolled into the rate, in other words, and that provides a lower monthly payment than if it's financed on top of the deal, right? So maybe that's a way. Maybe you can use discount points paid by the seller to permanently buy down the interest rate so that the payment is lower, right? That's where we wanna be. That's what they're looking for is the payment, right? Timdavisonline (01:49.006) And then number three, share a success story, right? Talk about a previous situation where maybe you used discount points paid by the seller to lower the interest rate, maybe a whole percent or more. And that resulted in a $472 lower payment for the client, right? But most importantly, I want you to end with confidence. So when you make your presentation, as you wrap it up, you want to say, hey, does that make sense? Right? I mean, I want to make sure, here's what I recommended based on your goals. Timdavisonline (02:17.102) Right? So let's make sure this mortgage fits into your life, not just your interest rate expectations. Right? You want to make sure you end with confidence. We're going to get these rate objections, right? And certainly people are out there. You see them all the time. They get a lower rate and they pay these exorbitant cost. You want to get in front of this. And that's the way to go about doing it. If you want to learn more about how we're handling objections for rate and actually getting more clients in the door, our coaching program is running a special. It's only $1 for 30 days. mean, Timdavisonline (03:13.086) Heck, I'm sure you could afford that. But you get involved, meet every Monday. We talk about scripts and marketing and all the great things that we're using to grow our business. We would love to have you a part of that. If you're interested, check out theoriginatorsguide.com. But until that day that you join, make sure you do one thing. Find that one loan each and every day. So go have a successful day. Find that loan, get it locked in. Keep listening to the show. Refer us to your friends and I'll talk to you guys real soon. See you. Bye.

Trevor and Tony Greer of TGMacro discuss the recent fluctuations in the U.S. markets, focusing on the impact of Nvidia's product announcements on tech stocks, the dynamics of the bond market in relation to Federal Reserve policies, and the overall outlook for commodities. They also delve into specific commodity price movements, particularly cocoa, and the broader implications of inflation and economic policies under the incoming Trump administration.

Rates on the rise, as investors brace for what President-elect Donald Trump's tariff plan could do to inflation. The trouble brewing under the surface.. And the sections of the market feeling the pressure. And A check on the middle market. What a new report out of a private credit powerhouse is saying about the landscape.Fast Money Disclaimer

Plus: Johnson & Johnson shares fall after the company paused the use of the heart device, Varipulse, while it investigates the cause of four reported “neurovascular events” in patients. Shares of several quantum computing companies fall sharply after Nvidia CEO Jensen Huang played down the utility of the technology in the near- or medium-term. J.R. Whalen reports. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Rebroadcast: this episode was originally released in November 2022.Is war in long-term decline? Steven Pinker's The Better Angels of Our Nature brought this previously obscure academic question to the centre of public debate, and pointed to rates of death in war to argue energetically that war is on the way out.But that idea divides war scholars and statisticians, and so Better Angels has prompted a spirited debate, with datasets and statistical analyses exchanged back and forth year after year. The lack of consensus has left a somewhat bewildered public (including host Rob Wiblin) unsure quite what to believe.Today's guest, professor in political science Bear Braumoeller, is one of the scholars who believes we lack convincing evidence that warlikeness is in long-term decline. He collected the analysis that led him to that conclusion in his 2019 book, Only the Dead: The Persistence of War in the Modern Age.Links to learn more, highlights, and full transcript.The question is of great practical importance. The US and PRC are entering a period of renewed great power competition, with Taiwan as a potential trigger for war, and Russia is once more invading and attempting to annex the territory of its neighbours.If war has been going out of fashion since the start of the Enlightenment, we might console ourselves that however nerve-wracking these present circumstances may feel, modern culture will throw up powerful barriers to another world war. But if we're as war-prone as we ever have been, one need only inspect the record of the 20th century to recoil in horror at what might await us in the 21st.Bear argues that the second reaction is the appropriate one. The world has gone up in flames many times through history, with roughly 0.5% of the population dying in the Napoleonic Wars, 1% in World War I, 3% in World War II, and perhaps 10% during the Mongol conquests. And with no reason to think similar catastrophes are any less likely today, complacency could lead us to sleepwalk into disaster.He gets to this conclusion primarily by analysing the datasets of the decades-old Correlates of War project, which aspires to track all interstate conflicts and battlefield deaths since 1815. In Only the Dead, he chops up and inspects this data dozens of different ways, to test if there are any shifts over time which seem larger than what could be explained by chance variation alone.In a nutshell, Bear simply finds no general trend in either direction from 1815 through today. It seems like, as philosopher George Santayana lamented in 1922, "only the dead have seen the end of war."In today's conversation, Bear and Rob discuss all of the above in more detail than even a usual 80,000 Hours podcast episode, as well as:Why haven't modern ideas about the immorality of violence led to the decline of war, when it's such a natural thing to expect?What would Bear's critics say in response to all this?What do the optimists get right?How does one do proper statistical tests for events that are clumped together, like war deaths?Why are deaths in war so concentrated in a handful of the most extreme events?Did the ideas of the Enlightenment promote nonviolence, on balance?Were early states more or less violent than groups of hunter-gatherers?If Bear is right, what can be done?How did the 'Concert of Europe' or 'Bismarckian system' maintain peace in the 19th century?Which wars are remarkable but largely unknown?Chapters:Cold open (00:00:00)Rob's intro (00:01:01)The interview begins (00:05:37)Only the Dead (00:08:33)The Enlightenment (00:18:50)Democratic peace theory (00:28:26)Is religion a key driver of war? (00:31:32)International orders (00:35:14)The Concert of Europe (00:44:21)The Bismarckian system (00:55:49)The current international order (01:00:22)The Better Angels of Our Nature (01:19:36)War datasets (01:34:09)Seeing patterns in data where none exist (01:47:38)Change-point analysis (01:51:39)Rates of violent death throughout history (01:56:39)War initiation (02:05:02)Escalation (02:20:03)Getting massively different results from the same data (02:30:45)How worried we should be (02:36:13)Most likely ways Only the Dead is wrong (02:38:31)Astonishing smaller wars (02:42:45)Rob's outro (02:47:13)Producer: Keiran HarrisAudio mastering: Ryan KesslerTranscriptions: Katy Moore

At this time of year, many people hate going to the mailbox or checking their email. That's because the Christmas bills are starting to roll in.Yes, the holidays are behind us, but for many people, burgeoning credit card balances are just ahead. If you think you'll have trouble making those payments, Neile Simon is here with a plan to help you get out of debt.Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.The Growing Problem of Credit Card DebtCredit card debt has surpassed $1.16 trillion, marking a 50% increase in just three and a half years. By 2024, the average credit card debt for individuals carrying unpaid balances reached $7,200. Rising costs due to inflation have pushed many to rely on credit cards just to get by.This growing burden isn't just financial—it also creates fear, anxiety, and helplessness. These feelings do not come from God. Recognizing the seriousness of the situation is the first step toward finding freedom from debt.Do You Need Credit Counseling?If you're struggling with credit card debt, it's essential to ask for help. Neely recommends reaching out for credit counseling if:You have an unpaid balance of more than $4,000.You're struggling to keep up with minimum payments.You feel stuck, making payments with little progress.Debt is causing you stress or sleepless nights.Christian Credit Counselors can provide guidance and support to help you regain control of your finances.Why Choose Debt Management Over Debt Settlement?Christian Credit Counselors take a debt management approach, which differs significantly from debt settlement or consolidation. Here's how it works:Pre-Negotiated Terms: They work with creditors to lower your interest rates (ranging from 1–12% APR) and monthly payments.Debt Snowball Method: Payments are structured to help you get out of debt up to 80% faster, all while honoring your debt in full.Customizable Enrollment: You can choose which accounts to enroll in, and the accounts included will be closed during the program.Free Budgeting Support: Counselors help you create a budget, identify areas to cut back, and understand your disposable income.This approach focuses on integrity and honoring your commitments while providing a clear path to financial freedom.The Biblical Foundation for Debt ManagementManaging debt isn't just about financial freedom—it's also a way to honor God. Neely emphasizes the importance of aligning debt repayment with biblical values. Romans 13:7-8 encourages believers:“Give to everyone what you owe them … Let no debt remain outstanding, except the continuing debt to love one another.”Through debt management, Christians can fulfill their financial responsibilities, honor their commitments, and live generously, reflecting God's principles.Take the First Step Toward FreedomIf you're ready to explore debt management, Christian Credit Counselors offers free consultations with no obligation. Their goal is to educate you on your options and help you achieve financial well-being while staying true to your faith.Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more.Managing debt wisely allows us to honor God and live a life of generosity and service to others. Take the step today toward financial freedom and faithful stewardship.On Today's Program, Rob Answers Listener Questions:I currently have a 401(k) and a Roth IRA. I'm wondering if I should be investing in both or if I should just focus on one. What's the best approach here?I have an 18-year-old granddaughter with about $16,000 in a custodial account at Edward Jones. When she turns 18 in May, she'll have complete control over this money. I don't know if she knows about it yet. What would be the best way to handle this? Should I take the money out and put it in a high-yield savings account? Or could I put it into a Roth IRA for her?My husband and I own a small business and are 71 years old. We have $23,000 in high-interest credit card debt from the business. We recently paid off a home equity line of credit. Would it be better to transfer that debt to the home equity line with a lower interest rate? Is mixing business and personal debt a good idea? I also haven't paid business taxes yet for this year, so I would like to know if keeping the Visa debt separate as a business expense is better for tax purposes.When withdrawing from my brokerage investment account, how should I calculate the cost basis of the investments I'm selling? I know there are different methods, like last-in and first-out, but I'm unsure which is the most appropriate. I have a CPA but haven't discussed this with them yet. What would you recommend I do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationChristian Credit CounselorsOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The Moneywise Radio Show and Podcast Tuesday, January 7th, 2025 BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management instagram: MoneywiseWealthManagement Guest: Allyn Medeiros, Loan Officer at Agape Mortgage website phone: 661-496-9311

SUMMARY: A bad week for rates as the 10-year yield continues to climb, mortgage demand falls to a 30-year low, job openings unexpectedly rise, jobless claims fall, private payrolls rise by less than expected, and rents in Wilmington fall to a 20-month low...DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #2028201

-Donald Trump Announces $20 Billion US Investment From Emirati Billionaire-UAE And Syria Begin New Era Of Cooperation-Kanye West Was Having Dinner In Atlantis The Royal Last Night-Coldplay Fans Drive Hotel Prices Sky High In Abu Dhabi!-How to heal From Within this will be A Deep Dive Into Somatic Healing Practices - do stay tuned we'll meet marina at about 8.50 this morning.

A Christopher Newport University professor said housing investors snapping up apartments is a big reason eviction rates are comparatively high.

While the number of people experiencing homelessness across the country in 2024 increased by 18 percent, the number tripled in Chicago, according to a federal report. But the city's official tally is still likely a big underestimate. Executive producer Simone Alicea and producer Michelle Navarro discuss some ways the city might help its growing homeless population in 2025. Plus, they rate the finalists in Illinois' flag design contest and discuss what's in and what's out this year in Chicago. Click here and follow the steps on the Instagram post to enter to win a Year's Worth of City Cast Chicago's Favorite Restaurants. Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Become a member of City Cast Chicago. Interested in advertising with City Cast? Find more info HERE

Saman Farid is no stranger to reinvention. From growing up as a cultural misfit in China to leading groundbreaking ventures in robotics and artificial intelligence (AI), Saman's journey is a testament to resilience, curiosity, and a lifelong commitment to solving problems. Saman's latest venture, Formic, has attracted funding from top-tier investors like Alumni Ventures, Blackhorn Ventures, Calm Ventures, Chapter One, and FJ Labs.

Attrition rates of the PA schools you apply to are definitely a program stat you need to pay attention to! Here's why this number is important and why it should be something you consider when choosing the schools you apply to!Imagine creating your most competitive app and submitting with confidence knowing you have your strongest app and are applying to the right PA schools for you! This is what happens in VIP! We meet you on Zoom and write your entire personal statement, all your CASPA experience paragraphs, and pick the best PA schools for your stats! You talk and we write - yep, it's that easy (and FUN)! Also includes a Mock Interview, access to A2A Course, our PA Directory, six program supplemental essay edits, and weekly PA shadowing hours to add to your CASPA app! Let's create your strongest PA school application! Sign up here!Cheering for you all the way! Beth & Katie

In this episode of Crane Talk, Billy Smith, Executive Vice President at NBIS, takes listeners through his extraordinary career in the crane and rigging industry. From his early days as a crane operator to leading safety and risk management initiatives across the U.S. and Canada, Billy's wealth of knowledge provides valuable insights into navigating the complexities of the industry. He explains how insurance premiums are shaped by jurisdictional differences, liability laws, and social inflation. Billy also highlights the critical role of contracts, training, and technology like telematics in mitigating risks and controlling costs.Connect with Billy:Linkedin: https://www.linkedin.com/in/bill-smith-3416476Website: https://www.nccco.org/About the Show Crane talk is a podcast hosted by Ron Thompson and Gene Greiner, 2 highly successful insurance producers in the Dallas-Fort Worth region. About Ron:Ron has been specializing in the heavy iron insurance world as a broker since 1992. In the complex world of heavy iron risk exposure, Ron's expertise is in contractual risk transfer, contract review, fleet safety management where “rubber meets the road” and keeping clients updated on legislative issues that effect the crane & rigging industry and maximizing profit for his clientele.About Gene:Gene Greiner is Vice President of commercial insurance for CoVerica with 15 years of focus on heavy construction risk. Based in Dallas, TX, he is deeply embedded in serving this industry's risk transfer needs and, enjoys active advocacy though the Specialized Carriers & Rigging Association and the Texas Crane Owners Association. New episodes drop the first Tuesday of each month. Please drop us a line if you have a question or suggestion; you can reach us at podcast@coverica.com. Finally, if you like the podcast, we encourage you to subscribe and leave us a review.

Liz Steblay is sometimes referred to as "the Yoda of solopreneur success." She isn't small, green, or ancient, but she has mentored thousands of self-employed professionals, helping them realize their dreams of becoming solo entrepreneurs. With decades of experience in building her own solopreneur career, including the creation of two thriving businesses that serve independent consultants, Liz recently published her bestselling book, "Succeeding as a Solopreneur: Six Keys for Taking the Leap, Winning Clients, and Building Wealth."In today's episode of Smashing the Plateau, you will learn the essential keys to success as a solopreneur, including how to conquer fears, build thriving client relationships, and effectively set your consulting rates.Liz and I discuss:The importance of pedigree and confidence in setting consulting rates [02:04]How Liz transitioned from corporate employment to successful self-employment [02:57]The significance of proactive outreach and maintaining relationships [03:18]Key strategies to vanquish fear, uncertainty, and doubt as a solopreneur [04:35]The importance of being known for something specific within your field [10:14]How to negotiate and present your rates confidently [07:59]The crucial role of professional setup and appearance in consulting success [15:45]Strategies for effective taxation and wealth building for solopreneurs [21:00]Learn more about Liz and her work at http://www.SixKeys.info and http://www.IndependentConsulting.org.Thank you to our sponsor:The Smashing the Plateau CommunitySubscribe immediately to receive exclusive access to streamlined, precise strategy advice from our podcast experts – one click is all it takes to begin mastering your success journey!

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the often misunderstood concept of recovery rates in investing, particularly after market downturns. They explore the mathematical realities of recovering from losses, the importance of strategic retirement planning, and the need for a balanced approach to investing that includes both market and non-market assets. The conversation aims to debunk common myths about rate of return and emphasizes the significance of cash flow in retirement planning. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways We often underestimate the impact of market losses on retirement planning. To recover from a 22% loss, you need more than a 22% gain. Mathematically, recovering from losses is more complex than it seems. Investors should consider both market and non-market assets for retirement. Cash flow is crucial for retirement, not just rate of return. Planning for retirement requires understanding recovery rates. Market downturns can significantly affect retirement timelines. Diversifying investments can provide more flexibility in retirement. It's essential to control your retirement timing, not just rely on market performance. Understanding financial planning can help mitigate risks associated with market fluctuations. Chapters 00:00 Introduction to Recovery Rates in Investing 02:22 Understanding Market Downturns and Recovery Rates 10:01 Strategies for Retirement Planning Post-Loss 14:56 Debunking Myths About Rate of Return and Cash Flow    

We are all looking ahead to 2025 and deciding how we want to build wealth, but we have figured out that so much changed in 2024, you all have questions about current buying conditions.That's why we're answering today's most frequently asked questions on the latest edition of the Not Your Average Investor show.Join Gregg Cohen, co-founder of JWB, and show host, Pablo Gonzalez, and members of the front line on questions- the JWB sales team- to dive into the questions you are probably asking yourself, like:- how much cash flow are investors getting these days?- where are rates today, and how are they affecting pricing?- what do you need to have saved up to buy a rental and get positive cash flow in the first year?- much more!Stop using outdated conditions or hearsay to make your 2025 investing plans.Listen now!Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

Edward Lorenz, a meteorologist and mathematician, formulated a theory called the butterfly effect—based on a hypothetical scenario in which a butterfly, simply by flapping its wings, affects a tornado weeks later. The butterfly effect illustrates how small actions in complex systems can lead to big changes, underscoring the challenges in making forecasts. This is particularly relevant for investors. A complex global economy often takes unexpected turns, and macro disruptions and uncertainty present challenges for those navigating financial markets. But with this knowledge, investors could make better decisions by challenging conventional wisdom and taking a long-term view. The Season 5 premiere of The Outthinking Investor explores how investors can steer through economic volatility and pursue sound portfolio construction for the long run. Philipp Carlsson-Szlezak, Boston Consulting Group's Global Chief Economist, and Robert Tipp, PGIM Fixed Income's Chief Investment Strategist, discuss the forces that may drive change in the economy, potential risks to the outlook, how market fears can distract from real long-term consequences, emerging opportunities in fixed-income markets, and structural changes resulting from a higher level of expected interest rates. Do you have any comments, suggestions, or topics you would like us to cover? Email us at thought.leadership@pgim.com., or fill out our survey at PGIM.com/podcast/outthinking-investor. To hear more from PGIM, tune into Speaking of Alternatives, available on Spotify, Apple, Amazon Music, and other podcast platforms. Explore our entire collection of podcasts at PGIM.com.

A longstanding Clare business owner has raised concern over the impact commercial rates are having on local business. Donogh O'Loughlin, who owns a clothing store in Lahinch says the commercial rates rebate introduced through the Increased Cost of Business Scheme, did not go far enough, and claims the situation is detrimental for small firms operating in the town. He wants to see the council take a more proactive approach. To find out more about this, Alan Morrissey was joined by Donogh O'Loughlin. Photo (c) jordan_rusev from Getty via Canva.com

It's a new year, and that means new rates for insurance companies – with health insurance in particular set to increase.Joining Kieran to discuss and give his top tips on keeping your premiums as low as possible is Dermot Goode from totalhealthcover.ie, a part of the Lockton Group.

In this episode we conduct our annual reviews of the Eight Sample Portfolios you can find at Portfolios | Risk Parity Radio and compare them with some commercial preparations.In addition we discuss the year of 2024 in general, the performance of various asset classes, the follies of using the year as a crystal ball to predict the future, and the more effective use of base rates for that purpose.  And the missing Santa Claus.Links:Portfolio Charts Annual Returns Calculator:  Annual Returns – Portfolio ChartsTestfolio Backtesting and Analysis Site:  testfol.ioAmusing Unedited AI-Bot Summary:Uncover the secrets to constructing a resilient investment portfolio while sidestepping the pitfalls of misguided financial predictions. Join me, Frank Vasquez, as I humorously dissect the world of economic forecasts and their accuracy, or lack thereof. Through a historical lens, we'll examine past events like the 1970s inflation scare and the 1990s dot-com bubble, revealing the wisdom in relying on historical base rates for more stable predictions. This episode promises to arm you with critical insights from Morgan Housel and transform your understanding of market trends, using relatable analogies like dice rolls to make the probabilities clear and engaging.Engage with a treasure trove of data as we review eight sample portfolios, shedding light on the roller-coaster performances of various assets over the past year. From the triumphs of large-cap growth stocks and gold to the contrasting fates of different sectors, discover the vital role of diversification. With a focus on both domestic and international opportunities, I outline the highs and lows, such as the standout performance of the MAG-7 and the challenges faced by REITs, while emphasizing the benefits of a diversified portfolio.Finally, I unravel the performance of diverse investment strategies, including risk parity models and experimental leveraged portfolios. Unpack the complexities of asset allocations and the unique challenges posed by leverage, with insights into the successes and lessons learned. To wrap it up, I weave in a playful narrative about a year without Santa Claus, illustrating the importance of cautious investing amidst unexpected events. This episode blends finance, storytelling, and critical insights into an entertaining and informative package that promises to captivate both seasoned investors and newcomers alike.Support the show

Send us a textChanges in Patent Ductus Arteriosus Management and Outcomes in Infants Born at 26 to 28 Weeks' Gestation.Kaluarachchi DC, Rysavy MA, Do B, Chock VY, Laughon MM, Backes CH, Colaizy TT, Bell EF, McNamara PJ.J Pediatr. 2024 Dec 26:114456. doi: 10.1016/j.jpeds.2024.114456. Online ahead of print.PMID: 39732160As always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below. Enjoy!

Send us a textOccurrence and Time of Onset of Intraventricular Hemorrhage in Preterm Neonates: A Systematic Review and Meta-Analysis of Individual Patient Data.Nagy Z, Obeidat M, Máté V, et al. JAMA Pediatr. 2024 Dec. As always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below. Enjoy!

In this week's edition, Communications Committee member Tony Mulhare discusses the annual increase to pay rates, per diem, and flight physical reimbursements.  He also reminds pilots that your uniform allotment is tied to your anniversary date, not the new year. He also gives a recap of the several top questions that contract admin fielded in 2024 including what happens to GTO if you arrange to stay at the hotel when your first flight of the day is delayed, a question on monthly overlap rules and how they apply to reserve blocks, and finally how LCO works when you weather divert.If you have any feedback for us at all, please drop us a line at comm@swapa.org or send us a text.Follow us online:Twitter - https://twitter.com/swapapilotsFacebook - https://www.facebook.com/swapa737

Gov. Tim Walz is bringing a more-aggressive stance toward fighting fraud in state programs to the table as the Legislature gets ready to tackle the issue this session. And Xcel Energy's Minnesota customers will see higher electric rates starting this month. Last month, state regulators approved a 5.2 percent interim rate increase for Xcel. That amounts to a little more than $5 extra a month for a typical household.Those stories and more in today's evening update from MPR News. Hosted by Emily Reese. Music by Gary Meister.

We're expecting new leadership at the U.S. Department of Transportation and big activity regarding regulations over the next few months. Also, the Truck Leasing Task Force recently wrapped up its mission of examining lease-purchase plans. And Truckstop's Brent Hutto gives an overview of 2024 and a look ahead to the rest of 2025, as well as current market conditions. Then, Texas has just boosted its highway fund by nearly $3 billion dollars – all from an unexpected source – and is making big moves on toll roads. 0:00 – Lease-purchase task force exposes problems with the system 10:06 – What does new DOT leadership mean to you? 25:00 – The market in 2024 and what's ahead in 2025 39:51 – A Texas-sized boost in highway funding

A JAMA study identified factors linked to loss to follow-up in diabetic retinopathy and macular edema patients, including male gender, distance from care, and sociodemographic disparities. In Vietnam, six months of levofloxacin therapy showed a non-significant reduction in multidrug-resistant tuberculosis, emphasizing the balance between benefits and tolerability. Finally, Phase II trial showed pancigromab's promise in addressing cancer cachexia, with weight gain and symptom improvement, supporting further research.

Homeowner and auto insurance rates are rising fast in Minnesota.One policy comparison site, Insurify, shows Minnesota's auto insurance rates had the highest year-over-year increase in the nation.Climbing insurance rates have plagued Minnesotans in recent years, and one of the leading factors to the rise in premiums is extreme weather events.  “More water vapor that's in our air, that then turns into things that land on our house — whether it's hail or rain — make bigger claims,” said Grace Arnold, who leads the Minnesota Department of Commerce.“The best thing is to be prepared. That means: Have conversations with your insurance agents. Really shop around. And make sure that you're thinking about your preparation for when we do have these big storms that are as a result of climate change.” To hear the full conversation with Commerce commissioner Grace Arnold and MPR meteorologist Paul Huttner, click play on the audio player above or subscribe to the Climate Cast podcast.

In this episode of Drunk Real Estate, the crew kicks off the new year with their highly anticipated predictions for 2025. From recession forecasts and inflation debates to calling out the best and worst-performing real estate asset classes, no topic is off-limits. Highlights include: Will 2025 bring a recession or economic growth? Predictions for mortgage rates and home prices. Which asset class will dominate—and which will crash? The influence of AI, inflation, and geopolitical changes on the real estate market. Stock market outlook: Is another surprise rally on the horizon? Grab a drink, tune in, and join Kyle, Mauricio, AJ, and Jay as they dive into bold predictions, hilarious tangents, and spirited debates. Got your own predictions? We'd love to hear them—reach out on social or leave us a review! Cheers to 2025!