Podcasts about rates

Katie Herzog breaks down Drink Your Way Sober: The Science-Based Method to Break Free from Alcohol and how naltrexone—used through the Sinclair Method—let her "drink" her way out of addiction after years of half-hearted AA attempts. She explains why rock bottom kept moving, why abstinence felt impossible, and how targeted medication can disrupt the endorphin loop that makes alcohol so compulsive. Plus: the laser focus on the magic word "affordability," and a Spiel about Michael Wolff's Epstein posturing. Produced by Corey Wara Email us at ⁠⁠⁠⁠thegist@mikepesca.com⁠⁠⁠⁠ To advertise on the show, contact ⁠⁠⁠⁠ad-sales@libsyn.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠https://advertising.libsyn.com/TheGist⁠⁠⁠⁠ Subscribe to The Gist: ⁠⁠⁠⁠https://subscribe.mikepesca.com/⁠⁠⁠⁠ Subscribe to The Gist Youtube Page: ⁠⁠⁠⁠https://www.youtube.com/channel/UC4_bh0wHgk2YfpKf4rg40_g⁠⁠⁠⁠ Subscribe to The Gist Instagram Page: ⁠⁠⁠⁠GIST INSTAGRAM⁠⁠⁠⁠ Follow The Gist List at: ⁠⁠⁠⁠Pesca⁠⁠⁠⁠ ⁠⁠⁠⁠Profundities | Mike Pesca | Substack⁠⁠⁠⁠

Switzerland and the US have reached a trade deal which cuts US tariffs on Swiss imports from 39% to 15%. That's the same as on goods from its neighbours in the European Union. In return Switzerland will shift some manufacturing to America and Swiss companies will invest $200 billion in the US by the end of 2028. But whether Swiss cheese will be included is yet to be confirmed. Andrew Peach speaks to sellers of Swiss cheese in America about how the tariffs have been affecting their business. Plus we look at how people are using apps to help them reduce their screentime

Ian Lyngen and Ben Jeffery bring you their thoughts on the U.S. Rates market for the upcoming week of November 17th, 2025, and respond to questions submitted by listeners and clients.

Chase Hughes is a leading expert in human behavior analysis, influence, and persuasion, with over 20 years of experience as a U.S. Navy veteran. He developed groundbreaking programs like the "Behavior Pilot Program" for HUMINT, "CuePrime" for interrogation behavior analysis, and the "Pre-Violence Indicators Index" for detecting pre-attack behaviors. Author of the bestselling "The Ellipsis Manual: Analysis and Engineering of Human Behavior," Hughes consults for law enforcement, the military, Fortune 500 executives, and more. As a member of "The Behavior Panel" on YouTube, he educates on body language and deception detection. Internationally board-certified in clinical hypnotherapy, he advocates for ethical use of behavioral science in leadership, security, and personal development, drawing from his military background to create life-saving systems like "The Hostile Hospital" and "Tactical Psychology." Shawn Ryan Show Sponsors: Buy PSYOP Now - ⁠https://psyopshow.com⁠ Preorder Now - ⁠https://callofduty.com⁠ ⁠https://americanfinancing.net/srs⁠ NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-781-8900, for details about credit costs and terms. ⁠https://tryarmra.com/srs⁠ ⁠https://aura.com/srs⁠ ⁠https://betterhelp.com/srs⁠ This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. ⁠https://bunkr.life⁠ – USE CODE SRS Go to https://bunkr.life/SRS and use code “SRS” to get 25% off your family plan. ⁠https://shawnlikesgold.com⁠ ⁠https://hillsdale.edu/srs⁠ ⁠https://ketone.com/srs⁠ Visit https://ketone.com/srs for 30% OFF your subscription order. ⁠https://mypatriotsupply.com/srs⁠ ⁠https://patriotmobile.com/srs⁠ ⁠https://prizepicks.onelink.me/lmeo/srs⁠ ⁠https://ROKA.com⁠ – USE CODE SRS ⁠https://tractorsupply.com/hometownheroes⁠ ⁠https://ziprecruiter.com/srs⁠ ⁠https://gemini.com/srs⁠ Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This episode is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Chase Hughes Links: Website - https://chasehughes.com YT - https://www.youtube.com/@chasehughesofficial IG - https://www.instagram.com/chasehughesofficial FB - https://www.facebook.com/chasehughesofficial The Behavior Panel - https://www.youtube.com/c/TheBehaviorPanel Amazon Author Page - https://www.amazon.com/stores/Chase-Hughes/author/B06VW1H89K Learn more about your ad choices. Visit podcastchoices.com/adchoices

Tyler tears into the "stop buying lattes" take and runs the numbers that actually break buyers and clients. The squeeze lands on builders too - changing bids, quality, and what projects even pencil out. Show Notes:  00:00 The meme and why it's off 04:00 Life costs vs "coffee" costs 06:30 1981 starter home vs today's code & specs 07:25 Rates, prices, and the real math 10:35 How this hits builders and quality 12:05 Healthcare, childcare, and budgets 13:45 Remodel numbers that don't work 16:10 Myths Tyler hears vs reality on site 20:00 The human toll and what needs to change 27:50 Wrap-up Video Version:  https://youtu.be/qJxBE_2G6t4   Partners:  Andersen Windows Buildertrend Harnish Workwear  Use code H1025 and get 10% off their H-label gear   The Modern Craftsman: linktr.ee/moderncraftsmanpodcast Find Our Hosts:  Nick Schiffer  Tyler Grace  Podcast Produced By: Motif Media

The freight market is cooling just as the temperatures drop — and with Thanksgiving around the corner, things are about to get interesting. This week on The Transfix Take, Jenni Ruiz and market expert Justin Maze break down the state of the freight market as we hit the midpoint of November. The national average rate per mile dips slightly to $1.66, and while capacity remains loose, early winter weather could shake things up in key regions. Here's what Maze and Jenni unpack:

Low returns, high input costs and a murky trade environment have plagued many growers this year, but there's at least one brighter spot for agriculture heading into 2026.“Since September, we've seen some adjustments to the federal interest rate, and the downstream effects will impact farmers,” commented Redox Chief Financial Officer, Scott Moulton. “Right now, farmers are spending for their operating lines - getting funding for next year's crop. Rates in recent years have been upwards of 8 percent. I can see that coming down with what the fed rate is doing. We should see some decreases coming in 2026, and equipment interest rates should soften as well.”With volatile to higher prices for N, P and K, Moulton said many growers will seek ways to increase efficiency with inputs. Redox technology, including RDX-N®, is specially designed to help growers optimize inputs, while maintaining or enhancing yield and quality.

Rates and headlines are freezing your clients—but they don't have to. In this Tom Ferry Podcast Experience, Tom sits down with Jimmy Mackin and David Childers to turn year-end fear into listings and appointments.   You'll get: “The Problem with Waiting” campaign to reframe rate hesitancy An IG polls that start conversations Expert follow-up strategies for setting appointments The expired listing postcard that wins re-lists Market context and why affordability is set to improve into 2026   This is the marketing update that every agent needs right now, combined with the marketing that will help you steer your clients in the right direction.    Whether you're solo or leading a team, if you're looking to turn headlines into leads, appointments, and trust, this episode is a must-watch! 

Retired Shaker Heights pediatrician and grandfather Dr. Arthur Lavin founded Grandparents for Vaccines to encourage child vaccination by sharing stories about deadly but preventable diseases.

Keaton Ross on the FCC's rollback of a rate cap that brought reduced phone call rates to Oklahoma prisoners and their families. Jennifer Palmer's latest story looks into alarming data on gun suicides among older adults. Ben Fenwick on a unique bit of culture shock that people moving into Oklahoma sometimes experience. Ted Streuli hosts.

John Maytham speaks to Nick Wilson, freelance journalist, to unpack these trends indicating an increase in SA drivers for Sixty60 , explore why South African riders leave at higher rates, and examine what Shoprite is doing to turn the tide on local driver retention. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Matt Bissonnette is a former United States Navy SEAL known for his participation in the 2011 raid that killed Osama bin Laden, as detailed in his bestselling book No Easy Day: The Firsthand Account of the Mission That Killed Osama bin Laden (2012), written under the pen name Mark Owen. A DEVGRU (SEAL Team Six) operator, Bissonnette served multiple combat deployments and was one of the SEALs who entered bin Laden's compound in Abbottabad, Pakistan. The book, which became a New York Times bestseller, sparked controversy for not being cleared by the Pentagon, leading to a 2016 settlement where Bissonnette agreed to forfeit royalties and speaking fees. He has since advised on the CBS series SEAL Team (2017–present) and maintains a low public profile. Shawn Ryan Show Sponsors: Buy PSYOP Now - https://psyopshow.com Preorder Now - https://callofduty.com https://americanfinancing.net/srs NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-781-8900, for details about credit costs and terms. https://tryarmra.com/srs https://aura.com/srs https://betterhelp.com/srs This episode is sponsored. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. https://bunkr.life – USE CODE SRS Go to https://bunkr.life/SRS and use code “SRS” to get 25% off your family plan. https://shawnlikesgold.com https://hillsdale.edu/srs https://ketone.com/srs Visit https://ketone.com/srs for 30% OFF your subscription order. https://mypatriotsupply.com/srs https://patriotmobile.com/srs https://prizepicks.onelink.me/lmeo/srs https://ROKA.com – USE CODE SRS https://tractorsupply.com/hometownheroes https://ziprecruiter.com/srs https://gemini.com/srs Sign up for the Gemini Credit Card: https://Gemini.com/SRS #GeminiCreditCard #CryptoRewards #Advertisement This episode is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The Bitcoin Credit Card™ is a trademark of Gemini used in connection with the Gemini Credit Card®, which is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates and Fees: gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Consult with your tax or financial professional before investing. Matt Bissonnette Links: YouTube - https://www.youtube.com/@mattbissonnetteofficial Website - https://mattbissonnette.com IG - https://www.instagram.com/mattbissonnetteofficial IMDb (for SEAL Team) - https://www.imdb.com/title/tt6473344/fullcredits Learn more about your ad choices. Visit podcastchoices.com/adchoices

 Wall Street noise is loud—Barry Ritholtz shows you How Not to Invest. In this episode, we cut through models, headlines, and hype to focus on the few decisions that actually compound. Barry shares a practical framework for decision-making grounded in behavioral finance: why models are “wrong but useful,” how to build a checklist to filter signal from noise, and why broad indexing should anchor most portfolios. We dig into direct indexing for tax management, the attention economy's impact on investors, and the real effects of tariffs and Fed timing on markets and Main Street. He also maps the “two businesses” every investor must master: deploying capital quietly for decades and consuming information without getting captured by clickbait. If you're curious about AI's productivity boost, global mean reversion beyond the U.S., and realistic expectations after back-to-back strong years, this conversation is for you. By the end, you'll know How Not to Invest—and what to do instead.Connect with Barry Ritholtz: hownottoinvestbook.com Chapters:00:00 – Introduction02:32 – “All models are wrong, some are useful” & avoiding media-driven fear16:21 – Wealthy vs. middle-class planning: indexing, direct indexing, tax loss harvesting20:19 – AI's real impact on advisors, workflows, and productivity24:46 – Where are the opportunities? U.S. vs. developed ex-U.S., mean reversion35:14 – Rates, the Fed, soft landing probabilities & realistic return expectations49:33 – Gino wraps it up We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

The housing market isn't broken, it's shifting. And smart investors are shifting with it. Keith Weinhold returns to explain why affordability is squeezed, why owners aren't selling, and why prices remain stubbornly strong despite lower sales volume. He also reveals where the numbers still pencil, which markets offer real yield, and why new construction is becoming one of the most overlooked investor opportunities right now. Connect with Kieth: https://getricheducation.com/  Highlights: 03:10 - Affordability Squeeze — Inflation, prices, and rates 5:05 - Sales Volume Drop 09:15 - Rates In Context  11:30 - Lock-In Effect 19:40 - New-Build Edge — Builder rate buydowns + lower insurance 33:10 - FHA Fourplex Play Quote: "The best use of your dollar isn't making your money work, it's making other people's money work: the bank's, the tenants', the government's."   Recommended Resources: Accredited Investors, you're invited to Join the Cashflow Investor Club to learn how you can partner with Kevin Bupp on current and upcoming opportunities to create passive cash flow and build wealth. Join the Club! If you're a high net worth investor with capital to deploy in the next 12 months and you want to build passive income and wealth with a trusted partner, go to InvestWithKB.com for opportunities to invest in real estate projects alongside Kevin and his team.  Looking for the ultimate guide to passive investing? Grab a copy of my latest book, The Cash Flow Investor at KevinBupp.com.  Tap into a wealth of free information on Commercial Real Estate Investing by listening to past podcast episodes at KevinBupp.com/Podcast.

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith discusses Billie Eilish's views on billionaires and contrasts her stance with Grant Cardone's, emphasizing the value billionaires bring.  Hear about the Fed's decision to end Quantitative Tightening (QT), predicting lower interest rates.  GRE Investment Coach, Naresh Vissa, joins the conversation to highlight the benefits of new build properties, such as lower maintenance and higher tenant quality, and mentions a 10% cashback incentive from builders.  Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/579 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host. Keith Weinhold, should billionaires even exist? Why do so many people think that interest rates of all types are headed even lower than as a real estate investor, how to identify and capitalize on an opportunity in this era? It's something that I've never seen before. Today on get rich education   Speaker 1  0:27   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   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 flatiron, Manhattan to Flatbush, Brooklyn, across New York City and 188 world nations. This is Get Rich Education. I'm your host. Keith Weinhold, it's the longest federal government shutdown in US history. This whole thing has now lasted longer than most gym memberships. I guess the GDP stands for government doesn't produce, hmm. Before we get into our core investing and real estate content today, Billie Eilish, the singer, recently made some public remarks on whether or not billionaires should even exist. Yeah. Now if you're not familiar with her, Billie Eilish is known for her kind of unique style, sort of these baggy clothes, neon hair, avant garde fashion, and she has a reputation for being outspoken about a lot of things like mental health and body image and environmental issues. Now, in general, I respect people for speaking their mind, whether I agree or not, because a lot of people are just afraid to do that. Let's listen in to this short clip on what she said. You might have heard this because it was pretty widely broadcasted. Eilish spoke after receiving recognition at the Wall Street Journal innovator awards. This is courtesy of the AP. And then I'll come back to comment.   Speaker 2  2:58   We're in a time right now where the world is really, bad and really dark, and people need empathy and help more than kind of ever, especially in our country. And I'd say if you have money, it would be great to use it for good things and maybe give it to some people that need it and love you all, but there's a few people in here that have a lot more money than me, and if you're a billionaire, why are you a billionaire? No hate, but yeah, give your money away. Shorties. Love you guys. Thank you so much.   Speaker 3  3:40   First of all, without explicitly saying it, she's basically referencing how inflation widened the canyon between the haves and the have nots and GRE listeners that have acted have been on the right side of that canyon. I actually want to give Billie Eilish some credit here. Giving is virtuous. That is a good thing. In fact, next month, I plan to discuss the pros and cons of giving here on the show as we approach Christmas. Billie Eilish, she's certainly not a hypocrite either, because she's given away more than $10 million of her estimated $50 million dollar net worth. She's into feeding people and climate initiatives that right there is giving away more than 20% of your net worth, and that is really kind. Now, you heard her say there's a few people in here that have a lot more money than me, and she's right. Mark Zuckerberg was in that room. His net worth of over 200 billion means that his net worth is more than 4000 times greater than Billy eilish's. It sounds loosely like she's. shaming him for not giving away more of his wealth. And I don't know just offhand how much Zuck gives away, but this is where my credit to Billy Eilish stops. I think that it's okay for a person to be a billionaire. I wouldn't question that. I mean, a lot of times it meant that that person was willing to take risks that others would not dare try. A billionaire probably means you're a person of great value, and that you've hired hundreds or 1000s of other people, creating jobs for them. A billionaire has almost certainly created a product that society values. Jeff Bezos pioneered one day delivery. Zuckerberg connects people through his meta platforms. And now I'm not going to say that either one of those billionaires are perfect people. They are flawed, just like you and I. Billionaires probably pay more tax than the average person as well. That supports the infrastructure that you and I and everybody use, like building bridges or creating a fiber optic network. I would expect that a billionaire would be a giver as well. And see, if you're a billionaire, you have more ability to give than the average person does, you can make a greater impact. And see, this is where things really break down and not make sense. So if Billie Eilish is net worth is 50 million, Oh, apparently that's just okay. That's fine with her. But once it gets to 20 times greater than that, which is 1 billion, then it's not okay. So that means the line is drawn somewhere in there. That makes zero sense to me. The ceiling on what you're supposed to have in net worth is between 50 million and 1 billion. Like, I really do not get the logic on that one. And you know, a guest that we've had on the show here, Grant Cardone, whether you like him or not, he has had some on point remarks about these Billy Eilish comments himself to the question that she posited, which is, if you're a billionaire, why are you a billionaire? Cardone's answer is, if you're a pop star, why are you a pop star? Billy said, give your money away. Cardone's response to her is, give your music away. That's some food for thought there. That's my take on the Billy Eilish remarks on whether or not billionaires should exist. And if you want to hear Grant Cardone and I's conversation here on GRE, that was episode 264 the title of it is Keith Weinhold and Grant Cardone 10x your wealth number 264, a lot of listeners like that episode saying something like it was a dream to hear grant and I together for the first time. Like that, their favorite sales trainer on their favorite real estate show. You can listen by either scrolling way back to get rich education episode 264 in your podcatcher, or you can listen directly by going to get rich education.com/ 264,    Keith Weinhold  8:11   now the Fed has said that they are going to slow or end Qt, next month. All right, when Jerome Powell says something like this, what does that really mean to you as an investor? What can you expect ending QT? Well, you probably already know that QE quantitative easing that has the effect of creating dollars. Qt is the opposite. It has the effect of destroying dollars. So if they're ending Qt, this helps keep more dollars around in the future. So ending Qt then, like we expect soon, that really parallels a lower interest rate environment, because see lower rates already make dollars flow more freely. You probably remember the analogy that I introduced to you on the show earlier this year about how lower rates are like lowering the height of a dam wall. It makes it easier for water to flow, so then lowering rates makes it easier for money to flow, and that's because low savings account rates make people get money out of those vehicles. Okay, that's that low dam wall and low borrowing rates make that money flow as well. People will unlock dollars if rates are low, late last year, the Fed dropped rates a full 1% then they didn't make any moves for a while, until late this year, they've now dropped rates another half a percent. That's the environment that we're in. So then more QE and less QT. That further eases the flow of dollars, and it correlates with even lower rates that are coming in the future. Now it doesn't mean that they will. I'm not saying that they certainly will. There is just that tendency, that correlation. So we had pandemic era QE there about five years ago, that ended as we moved to Qt in 2022 and now what we're doing is unwinding Qt, moving back toward more flow, and it surely gets more technical than that. Ending Qt allows the Fed to expand its balance sheet again. Treasuries and mortgage backed securities, once matured, can now be replaced, and that injects liquidity into the system once again, and that is where we're going. Bank reserves are reaching ample levels again, and there is no need to put liquidity stress on money markets. A lot of these moves are here. What they're here for is to help ease the concerning labor market. It's been almost exactly three years now since chatgpt launched, and a while back, I mentioned how companies were newly interested in hiring the shiny new job that didn't exist before the AI prompt engineer that was one of the hottest jobs. Well, yeah, that was true back in 2023 but not so much. Now. A lot of companies have figured out that the employees that wanted to keep their job, well, they figured out real quick how to be the Ask AI, good questions guy, and we are seeing more layoffs later today, my guest and I will talk about that, and also he's going to make somewhat of a future mortgage rate forecast, or at least talk about the direction that they're going in. I think you're really going to like that. I don't predict rates myself, but sometimes a guest will. That's what's happening today. My point here is that with Qt ending, which again lowers the damn wall height and eases the flow of money, that parallels the fact that we have lower interest rates now than what we had one year ago, and we have lower interest rates now than what we had two years ago. As well, be mindful that you cannot get it all as a real estate investor. You cannot get soaring employment and low interest rates together. You cannot get those two things together, at least not for long. High employment means high rates. Low employment means low rates. Today's guest, and I will get into that as well.    Keith Weinhold  12:43   Well as we've had lower rates, hence a lower wall height, don't buy property and expect that you'll be able to refi into a lower rate within a year. If it happens, great. Don't buy expecting rents to go up or rates to go down, although many think that will happen. Just enjoy it. If it does, rent vesting has been on the rise lately. Yes, rent vesting. What that means is when you pay rent in the property where you live, and then the only properties that you own are rental properties. Rent vesting makes sense if you live in California, New York City and Boston, since rent to price ratios are so low there, and then you invest your dollars inland, that's how you can live in a high cost place and yet still benefit from cheap rental property and have income streams from them. You might remember that some months ago, I interviewed two listener guests on the show, everyday listeners, just like you, and California based investor and GRE listener, Joshua Fang, told us about his rent vesting. He pays rent in his primary residence, since the rent to price ratio might be three tenths of 1% there and then he owns property in GRE marketplace markets, I think it was Memphis and elsewhere where you're benefiting from, say, eight tenths of 1% that is called rent, vesting, investing in properties that make sense that you buy through GRE marketplace. And remember when Josh told us that passive income gives him time to enjoy life and even stop and watch two lizards for 15 minutes? Oh, what passive income can do. It's the quirky things that you remember. See. The point is that smart people in high cost states are rent vesting, if that's what you've got to do in order to own real assets. Then do it get on the right side, as this difference between the haves and the have nots just keeps expanding. I just did something that you might find interesting over the weekend for the first time in years. I visited that first fourplex building that I ever owned, which is also the first piece of real estate that I ever owned, that blue colored fourplex, and it is still blue. The address of that property is 925 east, 45th court, and it's in Midtown Anchorage. It has never been a pretty neighborhood, and I confirmed that it still is not. It looks a touch worse than when I owned it. I straightened up the curb appeal more than today's owner does. I bought the four Plex over 20 years ago for $295,000 and at that time, on the day that I bought. The total rents were $2,900 because it was 725 per door. I just looked on Zillow. And do you want to guess at its zestimated value today? Yes, it cost 295k back in 2002 and today, the Zestimate is 625k I don't know what today's rents are. My guess is that they're just short of $6,000 for all four units combined, two bed, one bath, 960 square foot units, really plain vanilla, boring looking housing, but it's certainly not like a crime ridden slum. It's just that depressing looking block that's just chock full of disorder and these other four Plex buildings and dumpsters all over the place. But yeah, that's how it all began for me. I visited that building again, and I haven't owned it in a while. I 1031 exchange out of it and into an eight Plex in 2013 if it weren't for that building, you would not be listening to me right now, and you would not have heard of me, because this show wouldn't exist big thanks to the three and a half percent down FHA loan for someone that came from humble means, like me.    Keith Weinhold  17:03   Last month, I did a running race that goes up a ski jump that was pretty cool. It gets so steep that you have to grab onto a cargo net to pull yourself up. It's almost like a rope ladder. I did not win. I got fifth out of 21 competitors in that race. Hey, I like to get out and physically challenge myself. After talking real estate all day, my body weight is up a little. It's currently sitting at 178 pounds. That's 81 kilograms for our European listeners, and it hit its recent bottom of 172 back on the Fourth of July. That's by design. I need to be really leaned out for a big Independence Day race every summer. You know, I'm one of those guys where I still cannot compete with bodybuilders because I'm too lean, and yet I don't win running races because I'm too bulky, so I'm more of an all around guy. I do about seven different sports, and that's exactly how I win nothing and always get like, fifth place or worse. This major mammal has got to keep himself moving, In any case.   Keith Weinhold  18:17   next week here on the show, we'll talk to a Harvard grad. She's super interesting. She used to work at Apple, and then she founded an AI centric property management company so that you can use her platform to self manage and leverage AI. But are we at the point where your tenant would really talk to a chatbot? Would that fly? And if society is there, well then do property management fees and everything start trending towards zero. I'm going to ask her about that. That's next week. As for today, you know, the world series ended about a week ago, and what I did is that I watched 10 commercials during the World Series, and then I jotted down the name of each sponsor, and here's who the World Series advertisers were just in this one segment where I paid attention to them. They're all big brands that you've heard of atnt Liberty, mutual nature made brand items like vitamins and supplements, Starbucks, Coors, light, Qdoba, Capital One, Home Depot, crest, white strips and Jim Beam, all right, those were the 10. What do those 10 have in common? More or less, any ideas there those 10 products and companies are all for consumer products. That's the common link. And that might seem so obvious that you wouldn't even think of it. Well, this is because most ads are for consumer products. Those ads fuel consumerism. And there's nothing wrong with that at all. That. Represents an economy. In fact, I use some of those very companies in my personal life.    Keith Weinhold  20:04   But here's the difference here at GRE our sponsors help you produce, not consume. Think about that as you listen to me in this spot for freedom, family investments and then Ridge lending group, then I'm coming back for more with a terrific guest.    Keith Weinhold  20:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Keith Weinhold  21:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   John Lee Dumas  22:08   this is Entrepreneur on fires, John Lee, Dumas, don't follow Money. Make money. Follow you with get rich. Education.   Keith Weinhold  22:22   So we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach. And like I've told you before, he's got both the formal education with his MBA and the self education, because he's an active real estate investor for four years now, he has helped you completely free, usually over the phone, sometimes on Zoom. He learns your own personal goals and then helps you find the market that's right for you in fitting those goals. And I've had listeners like you tell me that, you know, I can't believe that getting his actionable insight is free, and now he can help you best, though, if you're ready to own more income property, he even helps connect you with the exact property address, like say, 321, raspberry Street in Huntsville, Alabama. So it's great to welcome back to the show and provide the listener with a respite from my mouth breathing rhetoric and discourse, it is GRE investment coach. Naresh Vissa,   Naresh Vissa  23:24   thanks a lot, Keith. I can't believe it's been four years. It's been four amazing years, and congratulations to you and to GRE for being around so long and together, we have grown our listenership, and we appreciate all of you listeners, listening out there, for sure,   Keith Weinhold  23:42   real estate activity has slowed down overall, but things are still really vibrant. Here at GRE we see more activity than we saw last year, and when we talk about increasing activity, Naresh, the Fed, looks to do that when they reduce interest rates, that incentivizes businesses to borrow, that incentivizes consumers to spend, because, for example, they're not getting as high of a yield and their savings account. So now we're here in this fed cutting cycle. Tell us what that means from your perspective.   Naresh Vissa  24:15   We talked about this a few months ago when I was on the podcast at the Federal Reserve. I predicted that the Federal Reserve would begin a rate cutting cycle, and that this cycle would be extensive. It would not be an overnight, 100 basis point cut, or anything like that we saw in March. So that rate cutting cycle has begun, and they continue to cut. And we did an entire episode on President Trump and the name calling with Federal Reserve Chair Jerome Powell, whose term ends in the middle of next year. It's May of next year, when he's leaving. And with all that pressure, I predicted that the Fed would begin its rate cutting cycle. We are in the. Cutting cycle right now. They did a few cuts last year and stopped, which I thought were mistakes. But with that being said, we are in the thick of this cutting cycle. We are going to see more cuts moving forward. And what that means you're already seeing it. As a real estate investor, you are seeing, I don't want to say low interest rates, but lower interest rates compared to where we were a year ago, compared to where we were certainly 234, years Well, maybe not four years ago, but three years ago, we are seeing far lower interest rates, and we will continue to see interest rates, in the sense of mortgage rates, plummet as a result of this. So enjoy the low rates while they last, because they're not going to last forever. Nothing lasts forever, but the Federal Reserve, you throw in the government shutdown, I think it makes sense that the Federal Reserve continues to cut, because there's no telling where inflation is going to go. The experts thought that inflation would go up, up, up, up and be a significant problem. They've been saying that since the election winner last year or the election night last year, we haven't necessarily seen that. We have seen inflation somewhat go up, but we haven't seen that runaway inflation that many of the experts predicted as a result of the tariffs, as a result of the rate cutting, I think it definitely helps that number one, Doge, cut several government programs and cut a lot of government spending, not as much as they thought they would, but they cut enough to where they're limiting the amount of federal government spending. We've also seen mass layoffs, mass layoffs in the public sector, which has seeped into the private sector as well, because many of these private companies, like an Accenture, for example, many of these tech companies that were getting subsidies from the government, that funding has stopped, and that has led to layoffs. Now, what layoffs do is layoffs create, I don't want to say deflation, but layoffs are disinflationary, right? And we've seen significant layoffs, like I said, since February of earlier this year, when Doge was in the thick this government shutdown has led to mass layoffs as well. So we've seen 10s of 1000s of people well, we've seen hundreds of 1000s of people furloughed, if not at least a million people furloughed now, they will end up getting their pay, but we've seen 10s of 1000s of people laid off as a result of this government shutdown. And what that means is, again, this is very disinflationary. That's less money that the government is spending moving forward, not just right now, but moving forward. So there's a savings there that's also more people who are probably going to hold on to their cash as tightly as possible as they find new work. So this is, once again, disinflationary. And what does all this mean? All of this, to me, seems disinflationary. It goes against the narrative that when you cut interest rates, inflation goes up. It goes against a narrative that when you implement tariffs, inflation goes up, and that's why we haven't seen the runaway inflation that many so called experts were predicting. I think moving forward, the Fed continues to cut because of the weakness, at least when it comes to the job situation, because of the weakness with jobs, and because of unemployment, it's gone up somewhat. I think the Fed ends up continuing their rate cutting cycle through the end of Powell's term, and it could be just a series of 25 basis points every time they meet. Maybe if things get if there's something that they don't like, they up it to 50 basis points at one of the meetings. But the bottom line is, I think they're just going to keep cutting until Powell is gone, and then Trump will put in his guy into the Fed chair. And by that point, we may have cut enough to where there's not much left to cut yet, and that's when we're going to see there's a chance that could happen, or there's a chance the next guy will pick up where Powell left off and and do series of cuts as well. But what that means is that mortgage rates, we can expect, that's one of the most common questions I get from GRE followers, yeah, it's where do you see mortgage rates going? Because these people, they're not a lot of our followers, they're not following the intricacies of the market. Most of our followers have full time jobs as doctors or dentists or engineers or IT workers, and they're not following the ins and outs. And so the most common question that I get is, where are interest rates going? And I've been pretty spot on for the past few years, minus a few mistakes that I thought the Fed made. But I'm very confident when I say, just like I said when I came on earlier this year, that interest rates are on their way down there, and they are not on their way up.   Keith Weinhold  29:51   Just wait until this administration gets their guy in as the Fed chair. It almost feels like we're going to see a Javier Malay Argentina. President, you know, coming in with the chainsaw, they want to cut rates so aggressively, this administration, and Jerome Powell has sort of been a buffer against that, and Naresh has been using the term disinflation. I don't want you, the listener, to confuse that with deflation. Deflation means an increase in the purchasing power of your dollar, something that we rarely see. Disinflation means a slowing in price increases, meaning the rate of inflation goes down. And yes, I think it's been pretty obvious, and I've stated on the show before as well, that the Fed cares more about the employment situation than they do the inflation situation, probably, and you as an investor, you need to be careful what you wish for, because low rates sound really good, and they can be, but high employment typically correlates with high interest rates of all types, and lower employment typically correlates with low rates of all types. Rates get lowered because they know that the economy needs the help so you can't get both. You can't get both high employment and low rates. That condition doesn't persist for very long. And the Naresh during this part of the cycle, it's really been unusual and interesting at how new build properties have such advantages for investors today, including the aberration that the median new build property costs $33,500 less than the median existing property. That data is per the NAR when we think about new build property. Well, wait, first of all, that sounds amazing, and some people are incredulous about that, but there are reasons that the average new build property costs less. A lot of times the size is smaller. A lot of builders are building further from city centers. So I think before an investor gets in and buys a new build property, one really important question for them to ask is, oh, okay, well, how far is that property from an employment center. But otherwise, it's really the right time in the cycle for new build. New build can make your investment more passive. You know, you've got new fixtures, of course, and a warranty, and you're going to have lower insurance costs as well, typically, on a new build property. And Naresh, as you're talking with our followers and investors about new build property. I'm just kind of wondering, do you get more people that want to self manage the property because it's new build, because they figured that their maintenance and repair requests are going to be fewer? Or what do you see in there?   Naresh Vissa  32:35   No, not at all. Because the strength of GRE is that we connect investors, we coach investors so that they can own real estate around the country. They're not owning real estate in their neighborhood or in the area that they live in. We only focus on markets that make sense, generally linear markets, state friendly landlord friendly states, those other markets we are focusing on. So even with new builds we are seeing, I would say 100% of investors saying, hey, I want professional property manager, managing the property that's extremely, extremely common, that is the norm. I will also say, with new builds you brought up earlier, when you introduced me, I own several properties. The last two properties I bought were new construction. Were new builds. Yeah. And I personally comparing the first six properties of rehabs to my last two, which were new builds, I've had far fewer issues with the new builds, not just far fewer issues. I would say overall, the profitability has been greater with the new builds, despite the pro forma initially showing that I would barely Break Even now, I did buy several several years ago before all this appreciation and inflation hit. But it certainly helped a lot to have new builds where the maintenance is far lower and where the quality of the tenant is extremely high. So I generally recommend our investors, if you have the capital available, and generally, just to keep things simple, I say if you have $100,000 in liquid cash ready to go, there's no reason why you shouldn't be buying a new build. Would I waste my time with the rehabs, with the burrs. I mean, those could be profitable too. You should never say no to anything but the new builds. I've slept better at night because of those reasons, because I know at least for the first 10 years that there aren't going to be any major problems and the quality of the tenant is going to be far higher. So I'm a huge fan of new builds, not pre construction. Pre construction means you're buying a plot of land, and then you hope that the builder is going to build a home on top of it. And most of the time, the builder does, but many times, as we saw during the pandemic, there were key. Countless stories around the country of developers selling pre construction and then nothing ever got built. They ended up flipping the land and generating a profit off of it. I don't recommend those at all, but new construction is the way to go. And I'll also add one more tidbit about the previous topic that we talked about, regarding interest rates also remember that lower interest rates mean that the government and their debt they're going to be paying, they can refinance their debt and pay lower interest on their debt when interest rates go down. So that's also going to help reduce the the deficit, and it's going to help reduce the debt as well. So that will help bring inflation down.   Keith Weinhold  35:42   We're talking about buying a property that's already built with new construction, and in a lot of cases, like we'll talk about shortly, it's already tenanted for you as well. So it really reduces the guesswork and the waiting. And of course, new build properties tend to appreciate better than existing properties. So, yeah, tell us more about new build properties, because they tend to be in Florida and Texas that really has an outsized number of them right now. And that's where the builders are really giving incentives when we talk about appreciation, and where we think about appreciation going in the future. You know, appreciation has been really tepid, really boring. Prices have even contracted a little in some Florida and Texas sub markets, but with the long term trend, visual capitalists just shared a terrific map from today to 2050 for example, the Texas population is expected to grow 27% one of the fastest growth states that there is going to be. And a lot of people say, Oh, isn't it going to pass California in population soon? No, not anytime soon. It'll be decades. California is expected to grow 8% over the next 25 years, but Texas is a place where the numbers still can make sense on new build, because you have some overbuilding. So some builders are really incentivized to give you a good deal.   Naresh Vissa  37:06   Well, there are several markets in general. Let's just talk about it. You use an important term, which is appreciation. With new builds, the likelihood of appreciation is greater. This is statistically backed up. You can go check your sources, but the likelihood of appreciation is far greater with new builds compared to older rehabs, a property that's 50 years old, six years old. In fact, those properties probably appreciated early on in their life cycle, and that's just generally how it works. So with new builds, I say look, cash flow is still important. Cash flow is one of the tenets of real estate paying five ways. It's one of the core tenets of get rich education. But you also have that appreciation play with new builds. Again, it's about markets, because if you're buying a new build in, let's say a California or a New York or a New Hampshire, some really anywhere in the northeast, then it is somewhat of a speculative play, depending on the price point, depending on a lot of different other factors. But when you're talking about the markets that we operate in at GRE you brought up two of them, Florida and Texas. There are other markets, like in Tennessee and Oklahoma, where we have new constructions, and they are also positive, cash flowing, high appreciation place. So you just never know what's going to happen. I bought a new construction, for example, just outside of Memphis six years ago. It was just outside of Memphis in Mississippi six years ago, and I bought it for purely cash flow purposes. The pro forma looked good. Property was brand new. It was near several areas where there were many jobs. So I said, Hey, this is a good cash flow play. And I even remember asking my sales agent, hey, what do you think about appreciation? I usually never buy for appreciation, but this is a new construction. What do you think? And he said, You know what? I don't know if this is really going to appreciate that much. I'm not really sure about that. So I said, that's fine. I like the cash flow. Well, fast forward, six years later, as I said, we you just never know what's going to happen. We saw this inflation. We also saw an influx of people migrating into Tennessee, migrating into Mississippi, especially that Mississippi Tennessee border migrating into the Memphis area. Now we have the Trump administration, sent in the National Guard  about about a month ago, sent in the National Guard into the Memphis area, and they haven't left. They're still there, and crime has is at least based on the numbers that crime has really the National Guard has made a big difference on crime, and that's usually the number one deterrent for a market like Memphis. The point that I'm making here is that you just never know what's going to happen with these new construction builds. If you can get positive cash flow, I always tell our listeners. Shouldn't buy a new construction that's negatively cash flowing. You still want to protect yourself. You don't want to be paying money out of your bank account to own a property. Money should be coming in. So you still want to be positive cash flow. And the appreciation is a huge, huge plus, even in areas that you would not think or that you would not expect to appreciate all that much.   Keith Weinhold  40:22   Appreciation just is not as much of a story over on some other platforms, perhaps, or the way that people think about it, because if you pay all cash, appreciation isn't that good for you, but you're leveraged at four to one or five to one with a 20 to 25% down payment, which can really give you those outsized rates of return, which aligns with what we talk about here at GRE Well, we have a live upcoming virtual event. It is this coming Thursday, and before I ask you if you have anything else to tell the audience here as we wrap up, Naresh, it is hosted by you. So it is co hosted by our own in house investment coach Naresh, and our guest that you heard last week here on the show radio veteran Adam. The Event Thursday is called how to scale your portfolio with tenanted cash flowing new construction properties where you can get up to $41,000 cash back after closing, we talk about these builder incentives. So today's real estate market is really giving buyers opportunities for new builds that I haven't seen, maybe ever. Builders are incentivized to move their properties, and we've made headway with builders to get you up to a 10% cash back incentive at closing when you purchase, you can either take the cash at closing or boost your cash flow by buying down your rate, perhaps get some rent credits, so learn how you can take advantage and really prime yourselves for moves today that are going to lead to your success in coming years. And we have tenanted again, tenanted already occupied new build properties in hot markets like Houston, San Antonio, Dallas, Texas, ready for you to purchase with up to that 10% builder incentive so that you can cash flow from day one. And these properties are really in high quality communities, primarily owner occupied, high appreciation, upside, solid rent growth. So learn the strategy, learn the markets and even see available new build income property. The benefit of you attending is that you can have your questions answered in real time by Naresh or Adam. You can sign up for that now at grewebinars.com It is Thursday, November 13, at 8pm Eastern. Any last thoughts as we lead into Thursday, Naresh?   Naresh Vissa  42:45   Gre, webinars.com gre, webinars.com go to that website to register for our free online special event. It will be live. I'm going to be there with Adam. You heard on last week's podcast, we've got some great deals and great incentives, like what you said, Keith, and they're all new constructions. They're all new constructions, mostly in Texas. And these are major markets in Texas too. We're not talking, yeah, many of our followers and listeners, they see a new construction, and they're like, I've never heard of this place in Alabama, or I've never heard of this place in Oklahoma. These are in legitimate suburbs, areas outside of Dallas, Houston, San Antonio, some of them are even in Dallas, Houston, San Antonio proper. So these are markets that everybody is familiar with. It's not some podunk town that you may have seen on our GREmarketplace or GRE spreadsheet in an Arkansas or in Alabama. These are mostly in Texas. The incentives are great, and these are national builders as well. These are not small, no name, Mom and Pop builders. These are national builders who we are working with to offer these special incentives. These are names like you've heard. Many people have heard. Some of them are publicly traded companies like an LGI, that's a very large national builder. That's who we've partnered with to get these deals so grewebinars.com is the link to register for our online special event. GREwebinars.com. I hope to see all of you this Thursday,   Keith Weinhold  44:31   major builders, major markets and major incentives on new build property. You're going to hear more from Naresh on Thursday, it's been great having you back on the show.   Naresh Vissa  44:43   Thanks a lot. Keith   Keith Weinhold  44:50   oh yeah. Naresh does a better job of hosting GRE webinars than I do. In my opinion, you'll remember that I hosted them myself until 2020 23 but you know, maybe I'll come on to a future event for just the first five minutes on one of the upcoming ones, and give an intro before I let the real pros take over. This event is called really just what it is, how to scale your portfolio with tenanted cash flowing new construction properties. It's co hosted by Naresh and Adam, who you met last week. I have never seen this before, where the builder is giving you a fat 10% discount after closing, 10% you can use those 10s of 1000s of dollars to buy your rate down into the fours or other things like use it toward a down payment on another property, pair it with DSCR loans and pay no mortgage insurance on either property. You could buy one property or two properties or 18 properties through the event and DSCR loans. You might remember that means no time consuming income verification, no concerns about your debt to income ratio or W twos or tax returns. We'll show you how to do it all. Like Naresh was saying, we eat our own cooking. We ourselves. Here at GRE are investors too, and we are buying new build for our own personal portfolios. The time is right for this. It wasn't a few years ago, and a few years from now, it probably won't be either. Hundreds are already signed up for it. It is this Thursday, at 8pm Eastern. It's GRE, last event of the year. This is it one last time attend by signing up at grewebinars.com that's grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  46:59   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  47:27   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Ryan King, Vice President of Corporate Development at Equinox Gold, discusses the company's Q3 financial results, highlighting significant gold production and operational improvements at the Greenstone project. He also addresses the performance of operations in Nicaragua, the company's debt management strategy, and updates on the Valentine project, which is ramping up towards its expected capacity.

Since 2000, Florida's population growth has been 116%. During that same time property tax revenue collection has risen by a staggering 370%. In other words, property taxes have risen at greater than 3x the rate of population growth!

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Today's blockchain and cryptocurrency news  U.S. spot bitcoin ETFs see largest daily outflow since August Mistrial declared for 'MEV Brothers' accused of $25 million fraud on Ethereum ###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are your sellers stalling because they "heard rates are dropping"? This is the #1 conversation-killer in real estate right now. Mastering this single piece of real estate objection handling will not only save your current deals but will give you the confidence to get more. In this video, we give you the exact real estate scripts to handle the realtor interest rate objection with total confidence.This isn't just another generic comeback. This is a masterclass in real estate agent training from Aaron Novello and Jose Luis Morales. They break down the why behind the what, so you can explain it to your clients with true authority.In this training, you'll learn: ✅ The "Tesla Analogy": A brilliant, simple way to explain what does it mean when fed cuts rate and why those cuts are already priced into the mortgage rates they see today. ✅ A proven, word-for-word script for how to handle seller objections about waiting for a "better" market. ✅ How to expose the "rate drop" myth by showing sellers what actually happened the last time the Fed cut rates (and why it didn't crash mortgage rates). ✅ The critical pivot: how to shift the conversation away from market noise and back to their real seller motivation for moving. ✅ Why this tactic is the key to how to get listings when other agents are failing.This isn't just a script; it's a new framework for client conversations. When you can confidently explain why waiting is a bigger risk than selling in a known market, you regain control and build massive trust. This type of advanced real estate objection handling is what separates you from the competition. Stop letting market "noise" kill your deals. Listen this episode, learn the script, and start winning more listings today.

Today's blockchain and cryptocurrency news  Trump Media posts third straight loss as SPAC legal fees mount, JPMorgan's IBIT exposure jumps 64% Bybit and Backed partner to bring tokenized Nvidia and Strategy stocks to Mantle ###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textMarkets have a habit of choosing the path that hurts the most people, and this week they proved it. We open with a jolt: CarMax plunges 24%, the CEO is shown the door, and used‑car demand looks like a classic pull‑forward that left a hole in today's sales. From there, we follow the thread across the macro tapestry: consumer sentiment hovering near crisis lows, layoffs announced at a pace that clashes with payroll prints, and a tech slide that turns “AI capex” from dream to doubt in a heartbeat.I break down how cobweb dynamics and inventory timing errors ripple from toothpaste to autos, why tariffs distorted the clock on purchases, and where the data is more theatre than truth. China's export picture adds another twist: a bilateral surplus that widens even as shipments to the US shrink, exposing the difference between volume and value in a tariff world. We dig into the money plumbing too, because it's no longer just M2. Offshore dollar creation rides on the collateral of investment portfolios, trade invoices, rehypothecated claims that shape and form money in ways the Fed doesn't fully map.For investors, the practical edge is structure and levels. Options now mediate the market's mood, turning volatility into potential income when used with care. Covered calls on quality after big drops can pay you to wait, but path risk matters. We map Meta's gap fill and key Fibonacci retracements, and consider Oracle's round‑trip as a reminder that narratives can outrun cash flows. The stance is clear: acknowledge the pullback, respect the signs of strain, and build selective shopping lists rather than chasing every bounce. Let the market pay you for patience, and let price confirm when the turn is real.If this breakdown helps you navigate the noise, follow the show, share it with a friend who trades the headlines, and leave a quick review. Tell me what level you're watching next. I'll bring the charts.Support the show⬇️ Subscribe on Patreon or Substack for full episodes ⬇️https://www.patreon.com/HughHendryhttps://hughhendry.substack.comhttps://www.instagram.com/hughhendryofficialhttps://blancbleustbarts.comhttps://www.instagram.com/blancbleuofficial⭐⭐⭐⭐⭐ Leave a five star review and comment on Apple Podcasts!

Today's blockchain and cryptocurrency news  Bitcoin hovers above $100k JPMorgan looks for increase in bitcoin Jack Dorsey's Block sees nearly $2 billion in bitcoin revenue in Q3, Samourai Wallet's Keonne Rodriguez sentenced over crypto mixing service ###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

What are the bone fracture rates of omnivores vs. vegetarians vs. vegans? Low calcium intake plus low vitamin D exposure may explain higher bone fracture rates in British vegans.

In this edition of The Naked Scientists: Among British people vapers now outnumber smokers for the first time. From Big Bang to Big Crunch - the new theory showing the expansion of the Universe might be slowing down. And, evidence that our early ancestors, three million years ago, may have excelled at DIY!Linda - So these are the annual population survey statistics from the Office for National Statistics that look at smoking, it was the main focus, so smoking in the UK but also vaping behaviour. And we see that for the first time the proportion of people aged 16 and older who vape is higher... Like this podcast? Please help us by supporting the Naked Scientists

Budget and interest rate talk with our regular panel of experts - they tell Will Bain what they think might happen next. We hear too how the boss of one of the world's biggest shipping companies thinks we're going to struggle to find space for his ships if we don't expand our ports. And, we've been sitting down with Julian Dunkerton, the Chief Executive of the UK fashion retailer, Superdry. Also, M&S has joined TikTok. We find out what one of the UK's more established brands is doing on the social media platform.

Andrew Bailey said he intends to remain governor of the Bank of England until his term expires, addressing comments from populist leader Nigel Farage who has suggested he would replace Bailey if he became prime minister. He speaks with Bloomberg's Francine Lacqua after the central bank voted to hold interest rates at 4%.See omnystudio.com/listener for privacy information.

In this podcast Francis Diamond and Khagendra Gupta discuss the recent Riksbank, Norges Bank and BoE meetings this week and implications for European rates markets.   This podcast was recorded on 07 November 2025. This communication is provided for information purposes only. Institutional clients can view the related report at https://www.jpmm.com/research/content/GPS-5122904-0 for more information; please visit www.jpmm.com/research/disclosures for important disclosures. © 2025 JPMorgan Chase & Co. All rights reserved. This material or any portion hereof may not be reprinted, sold or redistributed without the written consent of J.P. Morgan. It is strictly prohibited to use or share without prior written consent from J.P. Morgan any research material received from J.P. Morgan or an authorized third-party (“J.P. Morgan Data”) in any third-party artificial intelligence (“AI”) systems or models when such J.P. Morgan Data is accessible by a third-party. It is permissible to use J.P. Morgan Data for internal business purposes only in an AI system or model that protects the confidentiality of J.P. Morgan Data so as to prevent any and all access to or use of such J.P. Morgan Data by any third-party.

This week Derek Halpenny, Head of Research Global Markets EMEA & International Securities is joined by Henry Cook, Europe Economist to discuss the implications of the BoE MPC monetary policy decision this week. Henry and Derek discuss the key takeaways from the meeting and the financial market impact on rates and the pound. The upcoming budget implications are also discussed. The budget is crucial both from a political and markets perspective. The outlook for ECB monetary policy and MUFG's ECB policy and euro forecasts are also outlined.

– The importance of temperament – Burry’s big bearish bet – Westpac’s results out… And suffers the innovator’s dilemma? – Rates on hold… for years?See omnystudio.com/listener for privacy information.

Ben Brady breaks down what the 2026 real estate market could really look like—beyond the headlines, hype, and hopeful optimism.Fresh from an economic forum at Chapman University, Ben shares insights from one of the nation's top real estate economists on inflation forecasts, long-term mortgage rate trends, and how these forces could reshape the industry over the next 24 months. With predictions of 5% inflation by the end of 2026 and interest rates unlikely to dip below 5%, Ben urges agents to replace wishful thinking with strategic preparation.This episode isn't about doom and gloom—it's about realism, resilience, and readiness. Ben breaks down the core skill sets agents must master to thrive in a high-inventory, high-stakes market: clear communication with sellers, data-backed pricing strategies, and the ability to sustain relationships through longer days on market. He also shares why adaptability and empathy will define the most successful agents of the next cycle.If you're serious about building a business that lasts through any market condition, this is your wake-up call for 2026—and beyond.Timestamps & Key Topics[00:00:00] – Introduction: 2026 Market Predictions & Economic Forum Takeaways[00:01:00] – What Economists Are Saying About Inflation and Rates[00:02:30] – Why “Lower Interest Rates” Won't Save the Market[00:03:45] – The Reality of 2026: Longer Days on Market, Price Reductions[00:05:00] – Skill Sets Agents Must Master for the New Market[00:06:10] – Communicating with Sellers: Data, Honesty & Trust[00:07:00] – Why Time and Communication Are Your Greatest Assets[00:08:15] – The Tariff & Debt Variables No One's Talking About[00:08:45] – Final Thoughts: Setting Mindset & Expectations for 2026

The global tech sell-off resumes on persistent A.I. valuation and central bank policy fears. The Bank of England held rates steady at 4.00% yesterday in a tight 5-4 split. BOE Governor Andrew Bailey tells CNBC's Ritika Gupta that inflation is still his primary focus, despite the recent softening in the labour market. Meanwhile, Tesla shareholders approved Elon Musk's $1 trillion pay package, the payout of which hinges on the CEO reaching lofty targets on humanoids and robo-taxis.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's open enrollment season. And for the 20 million Americans who buy their own health insurance, prices are through the roof.Rates are up an average of 30 percent for a typical plan in the 30 states where the federal government manages markets. In states that run their own markets, rates are up an average of 17 percent. That's according to an analysis from the health policy research group KFF.Meanwhile, the longest government shutdown continues in Washington. Lawmakers still can't agree over whether to extend subsidies that would make health insurance more affordable. Without those subsidies, experts estimate that more than 4 million people could lose access to insurance.How did health insurance get so expensive in the first place? And who stands to benefit from higher costs?Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Today's blockchain and cryptocurrency news  Coinbase gets vocal to Treasury on GENIUS Act Balancer identifies rounding error as root cause of multi-chain DeFi exploit UK to unveil stablecoin regulation consultation on Nov. 10 Mastercard, Ripple and Gemini explore settling card transactions using XRPL ###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we challenge the norms of physical therapy pricing, care delivery, and content creation. From charging what you're worth to turning every session into a piece of content, this is a masterclass in business for healthcare providers. If you've ever struggled with raising your rates, justifying your value, or leveraging media — this one is for you.We dig into:???? The real reason you're underpaid (hint: it's not insurance)???? How to legally record patient sessions and monetize them long-term???? The psychology of pricing (and why 20% is too low to matter)???? How to set rates without guilt — and communicate them clearly????️ Why “medical necessity” might be holding your business back???? Mic Drop Quote:“I don't know how to hit half a home run. Half a home run is a pop-out to second base.”????‍⚕️ Perfect For:Private practice ownersPhysical therapistsRehab cliniciansHealthcare entrepreneursAnyone tired of undercharging

Why most enterprise AI fails — and how Cat Valverde's 4-week adoption framework shows that the fix is just 15 minutes a week.Most enterprises are stuck in AI pilot purgatory — running endless experiments that never scale. In this episode of Unchurned, Josh Schachter sits down with Cat Valverde, founder of Enterprise AI Group, to break down what's really blocking enterprise adoption.Cat shares her research-backed 15-Minute Rule, a simple 4-week framework that's doubled or tripled adoption rates — all by making AI implementation human-centered instead of tool-centered.If you're a leader trying to take AI from pilot to production, this is your playbook.What You'll Learn- Why most enterprise AI initiatives fail to scale past pilot stage- How to reduce adoption friction and create lasting behavior change- The psychological levers that improve user buy-in and learning retention- How to structure a simple 4-week rollout for any AI tool or workflow- What metrics actually matter when evaluating AI adoption successTimestamps: 0:00 – Preview & Intro1:02 – Meet Kat Valverde 1:42 – What buyers and sellers say in enterprise AI roundtables3:11 – The challenge of internal adoption 6:20 – The 15-Minute Rule; a 4-week micro-adoption framework11:45 – The psychology behind AI adoption12:18 – 2–3× adoption rates and major cost savings14:45 – Closing thoughtsKey Takeaways- Pilot fatigue is real — the biggest blocker to enterprise AI adoption isn't money, it's time and cognitive load.- The true KPI: internal adoption, not just model accuracy or ROI.- Fear ≠ just job loss. It's the fear of asking “dumb” questions or not keeping up with peers.- The 15-Minute Rule: a 4-week program built on psychology that uses micro-commitments to build momentum.- Outcomes: 2–3× higher adoption and ~50% training-cost reduction per user.---Check out the Key Takeaways & Transcripts: ⁠https://www.gainsight.com/presents/series/unchurned/⁠---Where to Find Cat:LinkedIn: ⁠https://www.linkedin.com/in/catvalverde/Enterprise AI Group: https://www.eais.io/Where to Find Josh: LinkedIn: ⁠https://www.linkedin.com/in/jschachter/⁠---Resources: The Power of Habit: https://www.charlesduhigg.com/the-power-of-habit

On today's MJ Morning Show:Jacuzzi on I-275UPS plane crash Tampa connectionMorons in the newsYouTube vs ABC/Disney/ESPNHigh school football player who hit opponent with his own helmet arrestedSubstitute teacher DUI storyCringe-watching Kardashian's new showD.M. from listener about the Coach Bowles Show on Q105Wednesday night date night... Where did MJ and Michelle go?Two kids born minutes apart in the same hospital with same first namePrincipal says kids shouldn't miss class for vacation, bringing backlashAirports that will reduce traffic 10%Clearwater bank robberyMovie money being passed around in FloridaGuy coated in peanut butter on campusBiohazard on a Delta flighteBike news'Poltergeist' scene filmed with real ones?Jelly Roll treated like a criminal in a Louis Vuitton store in AustraliaNew version of 'catfishing'Coca Cola being criticized again over digital commercialProposal of a toll to get to St. Pete Beach for touristsAuburndale city manager fired over allegations, but what's the truth?Jeep owners warned to park away from building over fire hazardIs Elon Musk aging disproportionately?Wagamama moving its headquarters to TampaSimone Biles admits to 3 plastic surgeriesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ian Lyngen and Ben Jeffery bring you their thoughts on the U.S. Rates market for the upcoming week of November 10th, 2025, and respond to questions submitted by listeners and clients.

This is the noon All Local for Thursday, June 6, 2025

Economic Policy and China Trade. Elizabeth Peek discusses the US economy, where Treasury Secretary Bessent asserts that housing is in recession due to high Federal Reserve rates. Peek argues that lower rates are needed to "unstick" the housing market. The Fed, led by Jay Powell, is fixated on inflation, though Peek questions his rationale regarding tariffs and labor demand. The conversation also covers the Trump-Xi meeting, which was anticlimactic, postponing confrontation for a year. Key concessions included China relenting on rare earth exports and American soybean boycotts. GRAND CENTRAL 1890

Economic Policy and China Trade. Elizabeth Peek discusses the US economy, where Treasury Secretary Bessent asserts that housing is in recession due to high Federal Reserve rates. Peek argues that lower rates are needed to "unstick" the housing market. The Fed, led by Jay Powell, is fixated on inflation, though Peek questions his rationale regarding tariffs and labor demand. The conversation also covers the Trump-Xi meeting, which was anticlimactic, postponing confrontation for a year. Key concessions included China relenting on rare earth exports and American soybean boycotts. FIVE POINTS

Check out our College Football Week 11 previews, predictions and best bets for some of the greatest matchups of the weekend. - - - Today's Sponsors: Ethos - Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/BOOSTER. Application times may vary. Rates may vary. BAERSkin Tactical Supply Co. - Get a BÆRSkin now - while it's 60% off. Text CRAIN to 36912 - - - Privacy Policy: https://www.dailywire.com/privacy Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's blockchain and cryptocurrency news  Analysts see bitcoin consolidating after dips below $100,000 Gemini preparing to launch prediction market contracts Bitcoin's 'IPO moment' White House says Trump's pardon of CZ was reviewed with 'utmost seriousness' ###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

Over $1.3 billion in crypto positions liquidated Analysts map $285M in potential exposure across DeFi after Stream Finance's $93M loss US prosecutors seek five-year prison terms for Samourai Wallet founders ###Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve Forbes explains why the Federal Reserve must continue cutting rates despite Fed Chair Jerome Powell's hesitance to do so, warning that failure would cause the stock market's bull run to turn bearish. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's blockchain and cryptocurrency news  Bitcoin slides Elizabeth Warren rebuffs defamation allegations from CZ DeFi protocol Balancer potentially exploited as onchain data shows millions in outflows Polymarket activity rebounds to new highs while Kalshi dominates in volume Hong Kong to allow crypto exchanges to access global liquidity pools ### Gemini Card Disclosure: The Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro onus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.  ### For 40% off your order, head to Udacity.com/DCR and use code DCR. Learn more about your ad choices. Visit megaphone.fm/adchoices

Trump brings home some major W's from his Asia trip, the Administration looks to crack down on CDLs for illegals, and is South America trending toward the political right? Get the facts first with Morning Wire. - - - Wake up with new Morning Wire merch: https://bit.ly/4lIubt3 - - - Today's Sponsors: Ethos - Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/WIRE Application times may vary. Rates may vary. Shopify - Go to https://Shopify.com/morningwire to sign up for your $1-per-month trial period and upgrade your selling today. - - - Privacy Policy: https://www.dailywire.com/privacy morning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

The Federal Reserve just cut rates by another 0.25%, but mortgage rates went…up? This is now the fourth time the Fed has lowered its federal funds rate, and mortgage rates have defied them. It's becoming clearer than ever before: real estate investors cannot rely on the Fed to save them. If you're waiting for mortgage rates to get back in the mid-to-low 5% range, you might be waiting for a while. But you don't have to. Dave (and the guests on this show) are actively buying real estate deals, building their portfolios, and increasing their cash flow, all while interest rates are high. You can do it too—no matter what the Fed decides. In fact, right now may be a low-rate period that future investors will wish they could return to. There are six things you can do right now to lock in great real estate deals, even with rates rising higher. This is the opportunity for investors. Average homebuyers are sitting on the sidelines, many investors are still scared to jump back in, all while sellers are lowering prices, offering concessions, and willing to negotiate. You wanted a time to get better deals? This is it, and the Fed's moves are only giving you more control. In This Episode We Cover The Fed rate cut update and why mortgage rates went up after the announcement  The real reason why the Fed's cuts aren't moving mortgage rates lower  Six ways to take advantage of a high-rate, lower-competition housing market  The “relatively affordable” pockets of the country that are seeing rising housing demand  Why real estate forecasters could be dead wrong and rates could rise over the next few years  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1194 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Huberman Lab Essentials episode, my guest is Dr. David Sinclair, PhD, a professor of genetics at Harvard Medical School and a leading expert on the biology of aging. We discuss the cellular and molecular mechanisms of aging—and how specific behaviors, such as fasting, regular exercise and NAD⁺-boosting compounds like NMN, can activate the body's natural longevity pathways. This discussion highlights how lifestyle choices profoundly influence the aging process and may even slow or reverse key aspects of biological aging. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AGZ by AG1: https://drinkagz.com/huberman David: https://davidprotein.com/huberman Eight Sleep: https://eightsleep.com/huberman Timestamps (0:00) David Sinclair (0:20) Longevity, Anti-Aging, Aging as a Disease (2:27) Causes of Aging; Epigenome & Genes (4:53) CD & Scratches Analogy, DNA, Silencing & Expressing Genes (6:44) Physical Appearance & Aging (7:36) Sponsor: David (8:54) Childhood Development & Aging, Horvath Clock, Accelerate Aging (11:30) Rates of Puberty & Aging, Growth Hormone (12:37) Body Size & Longevity; Epigenetics (13:07) Fasting, Calorie Restriction & Longevity, Sirtuins, Insulin & Glucose (16:31) Tool: Skip a Meal (17:07) Longer Fasts & Autophagy, “Deep Cleanse” (18:07) Sponsor: AGZ by AG1 (19:36) Fasting, Fluids, Electrolytes (20:16) Sirtuins, Glucose, mTOR & Fasting; Leucine, Tool: Pulsing Behaviors (24:24) Breaking a Fast, Tools: Do Your Best; Transitions (27:00) Sirtuins, NAD, NMN Supplementation (29:04) Sponsor: Eight Sleep (31:10) Iron & Senescent Cells; Personalize Medicine (32:40) Tool: Blood Markers, CRP (34:50) Tool: Aerobic & Resistance Exercise (35:55) Estrogen, Fasting & Fertility; Aging & Rejuvenation (38:20) Acknowledgements Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices