Podcasts about rates

In this episode of Talk Property To Me, hosts Brad East and Aaron Downie break down the latest updates on Australia's inflation, interest rates, and property market trends for 2025. Australia's inflation remains stubbornly high, with electricity and housing costs driving prices up. Despite this, the RBA has held rates steady, and now experts are questioning when the next rate cuts might actually happen. Brad and Aaron unpack what's really going on behind the scenes — from government policy to construction slowdowns, and how it's shaping home prices in Sydney, Melbourne, Brisbane, and Perth.

Tim discusses New York real estate, Donald Trump's interview with Laura Ingraham, yet another Sydney Sweeney controversy, the tech people's plan to bring in Chinese students to create an AI demon, how the college system is over, and a Waymo driverless car running over a cat in San Fransisco.  American Royalty Tour

Send us a text if you want to be on the Podcast & explain why!Charging more isn't about louder marketing; it's about undeniable value. We break down the three pillars that move trainers from average rates to premium pricing: advanced anatomy mastery, a real referral network with physical therapists and dietitians, and the discipline to look the part without slipping into influencer theatrics. You'll hear why precise knowledge of shoulder and hip mechanics changes client outcomes, how to screen pain within scope and reduce discomfort so training never stalls, and the simple phrase that protects your reputation: when in doubt, refer out.We get real about the market too. In major cities—especially near Equinox or Lifetime—$150 to $300 per hour is achievable when your offer includes structured assessments, coordinated care, and proof of results. We talk through transforming your own habits into an authentic calling card, using clear metrics and steady progress rather than filters and hype. Clients buy competence and congruence: a coach who explains the why, programs the how, and lives the habits they teach. Rate objections fade when trust is this tangible.To make it repeatable, we map the systems that keep your business smooth: a clean intake process, movement screens, flare-up protocols, PT handoffs, and ongoing re-assessments. We also show how to add thoughtful revenue streams—like a $100 per month online program—without burning out or eroding your premium offer. The aim isn't hustle for hustle's sake; it's sustainable professionalism. If you're ready to master the science, respect the discipline, and build a team that supports client results, hit play and take notes. Subscribe, share with a coach who needs the push, and leave a review to help more trainers level up.Want to ask us a question? Email email info@showupfitness.com with the subject line PODCAST QUESTION to get your question answered live on the show! Our Instagram: Show Up Fitness CPT TikTok: Show Up Fitness CPT Website: https://www.showupfitness.com/Become a Personal Trainer Book (Amazon): https://www.amazon.com/How-Become-Personal-Trainer-Successful/dp/B08WS992F8NASM / ACE / ISSA study guide: https://www.showupfitness.com/collections/nasm

In this episode, I share how to raise your rates in 2026 and raise your frequency.  Get inside the Million Dollar Movement on Sale now for $47 and discover your Star Power energy.https://briannamichellecoaching.com/million-dollar-movement-8889-9782-7198Connect with me on IG @thebriannamichelle_Want to learn more? Visit my Instagram page below. Http://www.instagram.com/thebriannamichelle

Rosalia's LUX, a bill to ban Islamic coverings, relationship building with China, a tidal surge, kiosk newsstands' licenses to expire, and much more! Thanks for tuning in!Let us know what you think and what we can improve on by emailing us at info@rorshok.com or through Twitter @RorshokSpain or Instagram @rorshok.spain Like what you hear? Subscribe, share, and tell your buds.Archivo20n: Archivo20n.comCheck out our new t-shirts: https://rorshok.store/Set up your personal collection: https://rorshok.store/personal-collectionsWe want to get to know you! Please fill in this mini-survey: https://forms.gle/NV3h5jN13cRDp2r66Wanna avoid ads and help us financially? Follow the link: https://bit.ly/rorshok-donate

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.

"Be careful what you wish for" - a warning from an Australian mayor who has been talking to local body leaders about capping rates. Local Government Minister Simon Watts is working on a rates cap model with the policy details to be announced before Christmas. New South Wales has had a rates capping system in place for 40 years and councils have to apply to go above the cap. This year the Northern Beaches Council asked for a 40% rate rise, and ended up being allowed to charge ratepayers 25%. Northern Beaches Mayor Sue Hein spoke to Lisa Owen.

PJ talks to Audrey Caplis from Azure Jewellery George's Quay, Publican Paul Montgomery and Wyon Stansfeld from Pinocchio's Toys about the commercial rates increase. Hosted on Acast. See acast.com/privacy for more information.

In the past 20 years, the rate of children and teenagers living with high blood pressure globally has nearly doubled because of a toxic combination of unhealthy diets, mass inactivity and soaring levels of obesity. That's according to a new meta analysis of data from 96 studies published in The Lancet Child and Adolescent Health journal. Joining Shane now to discuss this further is the Clinical lead on Obesity for the HSE, Dr Donal O'Shea.

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nigerian nationals in the Economic Class PR applications in 2018 was 84.74%, with a total of 5,041 applications processed, of which 4,270 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nigerian nationals in the Economic Class PR applications in 2021 was 85.23%, with a total of 3,592 applications processed, of which 3,062 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.   Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nepalese nationals in the Economic Class PR applications in 2021 was 90.65%, with a total of 1,588 applications processed, of which 1,439 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nepalese nationals in the Economic Class PR applications in 2020 was 91.67%, with a total of 1,188 applications processed, of which 1,089 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nepalese nationals in the Economic Class PR applications in 2019 was 92.59%, with a total of 1,436 applications processed, of which 1,329 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c.We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom.Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant. Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nigerian nationals in the Economic Class PR applications in 2019 was 84.61%, with a total of 6,284 applications processed, of which 5,321 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nigerian nationals in the Economic Class PR applications in 2020 was 82.42%, with a total of 3,289 applications processed, of which 2,709 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.   Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nepalese nationals in the Economic Class PR applications in 2018 was 91.68%, with a total of 1,327 applications processed, of which 1,216 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c.We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom.Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant. Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nepalese nationals in the Economic Class PR applications in 2022 was 92.06%, with a total of 2,330 applications processed, of which 2,145 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Nigerian nationals in the Economic Class PR applications in 2022 was 87.53%, with a total of 4,257 applications processed, of which 3,724 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.   Support the show

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

Jake Johnston examines the economic pain inflicted by the government shutdown, and how the market is defending support levels. “It could be a ‘bad news is good news' situation,” he says of the Fed as it moves into the December meeting, positing that the lack of data could give them more cover to cut rates. He also thinks earnings can drive the market higher; he sees opportunities in mid-caps.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Tune in to our weekly LIVE Mastermind Q+A Podcast for expert advice, peer collaboration, and actionable insights on success in the Probate, Divorce, Late Mortgage/Pre-Foreclosure, and Aged Expired niches!  In this episode, we dive into niche leads that drive real results for real estate pros. The crew focuses on probate, pre-probate, divorce, and late mortgage scenarios as urgent opportunities for contact and conversion when paired with a steady outreach cadence. You'll hear how Matt's team positions Appointments Today as a reliable source of motivated sellers, and why calls often outperform mailers alone when you pair message cadence with a strong value proposition. The speakers discuss investing in coaching, building a high‑quality local team, and combining calling with targeted mail to count leads, book appointments, and close deals. They emphasize not outsourcing your core client conversations, but instead selecting well‑vetted professionals who speak fluent English and share your values so conversations feel authentic. The group explains how advanced tools like dialers, CRM, Homebot, and AI-assisted routing keep you in front of the same leads across the day, maximize contact, and reduce spam flags. They share practical stories of probate partitions, caregiver scenarios, and win stories that demonstrate how offering help first can unlock listings and referrals. The message is clear: stay proactive, measure results, and be willing to adapt strategies to market cycles. Tune in to understand the mindset, systems, and scripts that turn challenging situations into lasting partnerships and steady pipeline growth. Key Takeaways: -Consistent and varied calling increases contact: Making multiple calls using advanced systems boosts the chance of reaching prospects. -Reinvest in coaching and systems: Investing a portion of revenue into training and technology improves skills and results. -U.S.-based callers from Appointments Today help to build trust: Speaking with native English speakers who understand cultural nuances and idioms fosters better engagement and appointments. -Provide value and build relationships: Helping prospects solve problems and offering resources creates trust and leads to referrals. -Leverage technology for better outreach: Using dialers, AI, and automation increases contact rates and streamlines follow-up. -Active prospecting over hope is necessary: Relying solely on inbound leads won't sustain your business, be proactive in calling. -Consistent value and nurturing lead to long-term success: Regular contact and helpful interactions build trust and a reliable pipeline. To learn more, visit https://www.AllTheLeads.com or call (844) 532-3369 to check how many leads are available in your market.  #ProspectingTips #RealEstateInvesting #LeadGeneration #BusinessGrowth Previous episodes: AllTheLeads.com/probate-mastermindInterested in Leads? AllTheLeads.comJoin Future Episodes Live in the All The Leads Facebook Mastermind Group:  https://facebook.com/groups/alltheleadsmastermindBe sure to check out our full Mastermind Q&A Playlist  Support the show

Still quoting $75 for voiceover gigs? Stop selling yourself short and discover your true worth! In this video, I break down exactly how much new voice actors should charge, why "exposure” rates are career poison, and the real reasons trained beginners deserve professional pay. Learn how to price with confidence, avoid common traps, and use proven scripts to handle tough client negotiations, plus strategies for finding high-paying clients and raising your rates without apology.FREE RESOURCE: The 5 Hidden Costs of Low Rates Worksheet™ https://welcome.vopro.pro/hidden-costs-worksheet50% off with code NEWPRO50:VO Rates 101™: https://training.vopro.pro/vorates101/ClientConnect+™: https://training.vopro.pro/clientconnect/#voiceover #voiceacting #voiceoverbusiness #VOPro #voiceoverpricing #vocoaching #newvoiceactor #voiceoverrates #freelancevoiceoverLinks: (When possible, I use affiliate links and may earn a commission. See disclosure below.)▶️ Subscribe: https://vopro.pro/youtube

Jake Braund (Portfolio Manager, Wealth Management & Institutional Services at Associated Bank) joins Ryan Burrow in today's Associated Bank Thought Leader conversation to discuss the recent divide of Fed officials on rate cuts, along with a stablecoin surge possibly pushing interest rates lower.

On this episode of the Chuck ToddCast, Chuck unpacks a tumultuous week for Donald Trump as newly released Epstein emails reignite old scandals — and this time, they may stick. With Speaker Mike Johnson appearing to serve Trump’s interests over his own members, and a worsening economy eroding public patience, Chuck explores whether we’re witnessing the beginning of Trump’s “lame duck” moment. He draws parallels between Trump’s endless stream of controversies, his history of corrupt pardons, and how even “teflon” presidents eventually turn “velcro” when conditions shift. As the cost of living rises and swing voters tune out partisan noise, scandals like Epstein’s are cutting through both sides’ information bubbles — forcing Republicans to reckon with Trump’s baggage. Chuck argues that if Democrats manage a midterm sweep, historians might look back on this very week as the turning point when Trump’s political luck finally began to run out. Then, Chuck sits down with Adam Jentleson, executive director of the new Searchlight Institute, to talk about how Democrats can build a broader, more durable governing coalition. Jentleson explains why Searchlight is designed to promote ideological diversity within the Democratic Party — and why policies that blend progressive and moderate ideas tend to last longer and win in more places. He warns that Democrats’ electoral path to the presidency and a 60-seat Senate majority is narrowing and argues the party’s best hope lies in economic populism — the same force that powered Trump’s rise but could be reclaimed with a focus on kitchen-table issues and fairness for working Americans. The conversation dives deep into the party’s messaging struggles during the government shutdown, the growing divide between “fight Trump” and “look past Trump” factions, and the need for Democrats to recruit candidates who can win in red and purple states — even if they don’t align perfectly on social issues. Jentleson also offers sharp insights on the filibuster’s evolution from a necessary safeguard to a legislative dead end, and why Democrats need to get more strategic — not louder — if they want to govern effectively and outlast Republican populism. Finally, he answers listeners’ questions in the “Ask Chuck” segment and breaks down the latest in college football. Go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! 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/chuck. Application times may vary. Rates may vary. Got injured in an accident? You could be one click away from a claim worth millions. Just visit https://www.forthepeople.com/TODDCAST to start your claim now with Morgan & Morgan without leaving your couch. Remember, it's free unless you win! Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 02:00 New Epstein emails released referencing Trump 03:00 Mike Johnson’s actions are in service to WH, not his members 04:45 Trump has a laundry list of scandals & corrupt pardons, none stuck 07:00 Presidents can go from teflon to velcro 08:30 The bad economy could make Trump less resilient to scandals 10:00 JD Vance tweet demanding Epstein transparency has aged horribly 10:45 Trump’s involvement with Epstein has been baked into public opinion 12:00 High prices and bad economy mean less public patience for Trump 12:45 Every presidency hits their lame duck point, this could be the start 14:00 Winning the midterms for the Democrats means winning the senate 15:15 Trump has treated the party like his casinos, leveraged for his benefit 16:15 Trump is only worried about Trump, not the party or the voters* 17:30 Epstein is one of the only stories that breaks through both sides’ bubble 19:45 You can’t information silo your grocery bill, or the Epstein story 21:00 If Dems sweep midterms, we’ll point to this week as start of lame duck 22:00 By going soft on Ghislaine Maxwell, it just increases suspicion 24:30 Trump would have been better off playing “he said, she said” w/Maxwell 25:45 Stock market booming, but most of the economy is not succeeding 27:00 Trump doesn’t seem well, has aged quite a bit in past six months 29:00 A steady drip of Epstein stories/files will cause R’s to distance 30:30 Trump isn’t doing what he was elected to do, makes him vulnerable 35:45 Adam Jentleson joins the Chuck ToddCast 37:15 Why choose the name “Searchlight Institute? 38:15 How is Searchlight different from the Center for American Progress? 41:45 Ideologically diverse policies tend to be more durable 43:45 Democrats must embrace ideological diversity to win in red states 46:45 Democrats have to make trade offs to win in more places 47:45 Democrats electoral path to presidency gets more narrow in ‘32 48:30 What does Democrats’ path to 60 senate seats look like? 49:30 Economic populism is a powerful force, it’s why Trump won 50:45 Economic populism beat out Republican orthodoxy 52:00 Populism hasn’t been transferable from Trump, but it’s durable 53:00 This economy is ok if you have money and horrid if not 54:45 The Kerry/Edwards economic policies are what are popular today 55:30 When Democrats succeed it’s on economic ideas 56:00 Is an economic downturn the only path for Dems to win presidency? 58:00 Democrats give Republicans ammo on cultural issues 59:00 Mamdani won by relentlessly focusing on kitchen table issues 1:00:15 Why weren’t Democrats able to sell their decision to reopen govt 1:02:00 Congressional leadership & communication are different skills 1:03:00 No side demanding a major concession in a shutdown got it 1:03:45 Dems succeeded in driving a message about healthcare 1:06:15 Divide on left is “look past Trump” or “fight Trump” 1:07:45 Democrats need to find issues they can run on in every state 1:09:30 The litmus test for Dems should be can they take back the senate 1:10:30 The path for Dems to take back the senate 1:12:00 Dems will have to embrace candidates with different social views 1:12:45 Gavin Newsom has been winning lately on tactics not policy 1:13:45 Dem candidates need to be fighters with broadly palatable policy 1:15:30 Any worries about an insurgent third party? 1:18:00 A third party candidate could certainly cause Dems to lose 1:19:30 The filibuster has become a pocket veto 1:21:30 The filibuster should require work and not be used passively 1:23:00 The filibuster started as needed reform, now is a problem 1:24:45 The origin of budget reconciliation 1:27:30 The judiciary was designed to be non-partisan 1:28:45 Vote threshold for judges should be higher to avoid partisans 1:31:15 If you raise the threshold too high there will be judicial backlogs 1:33:30 Do you see Searchlight as an incubator for policy, tactics or both? 1:34:45 What does Graham Platner’s staying power say about him? 1:36:45 Democratic aligned groups need to be smarter about their asks 1:44:45 Chuck’s thoughts on interview with Adam Jentleson 1:45:45 Ask Chuck 1:46:00 Thought’s on Netflix’s Death By Lightning? 1:53:30 Can anything be done in the short term about electricity costs? 2:00:45 What is Trump’s motivation for intervening in Venezuela? 2:06:15 Did NYC Mayoral race show Dems issue with non college voters? 2:12:15 College football committee needs to go 2:19:00 College football previewSee omnystudio.com/listener for privacy information.

TOP STORIES - A breakdown of the House vote to reopen the federal government, plus new charges for the man accused of crashing into a Ybor City bar and killing four people. We also look at AAA's decision to roll back Florida auto insurance rates. An update on a Lakeland cold-case murder involving a 14-year-old victim, the attorney general seeks the death penalty in a Hernando child sex battery case, and progress on Tropicana Field repairs with the Rays funding several upgrades.See omnystudio.com/listener for privacy information.

Mayor Palmer talks about water rates and a new ordinance to protect new pavement. We also talk about the seasonal transition to Jordan Valley water, Blackridge Reservoir operations, and recognize Deputy Chief Stromberg for graduating from the FBI National Academy. Have a question? Leave a comment or email us at communications@herriman.gov and we'll address it in a future edition. 0:00 Start 0:33 Intro 2:32 Seasonal water source transition 3:55 Blackridge season review 5:15 Economic Development update 6:55 Capital projects update 8:39 Mosquito Abatement District property tax 9:47 Road excavation ordinance 12:16 Deputy Chief honored 14:05 Water rates

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Sri Lankan nationals in the Economic Class PR applications in 2018 was 89.69%, with a total of 2,425 applications processed, of which 2,175 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario  The approval rate for Sri Lankan nationals in the Economic Class PR applications in 2019 was 92.68%, with a total of 2,486 applications processed, of which 2,304 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

 Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Indian nationals in the Economic Class PR applications in 2018 was 94.77%, with a total of 72,821 applications processed, of which 69,012 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration. Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Indian nationals in the Economic Class PR applications in 2019 was 94.92%, with a total of 90,963 applications processed, of which 86,346 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Canada Immigration Economic Class PR Applications 2020 for India — Approval RatesGood day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario  The approval rate for Indian nationals in the Economic Class PR applications in 2020 was 93.44%, with a total of 42,991 applications processed, of which 40,171 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Canada Immigration Economic Class PR Applications 2022 for India — Approval RatesGood day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario  The approval rate for Indian nationals in the Economic Class PR applications in 2022 was 89.68%, with a total of 150,225 applications processed, of which 134,715 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Canada Immigration Economic Class PR Applications 2021 for India — Approval RatesGood day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario  The approval rate for Indian nationals in the Economic Class PR applications in 2021 was 92.0%, with a total of 154,008 applications processed, of which 146,272 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Sri Lankan nationals in the Economic Class PR applications in 2020 was 87.61%, with a total of 1,493 applications processed, of which 1,308 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Sri Lankan nationals in the Economic Class PR applications in 2021 was 91.7%, with a total of 2,382 applications processed, of which 2,202 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Sri Lankan nationals in the Economic Class PR applications in 2018 was 89.69%, with a total of 2,425 applications processed, of which 2,175 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Sri Lankan nationals in the Economic Class PR applications in 2019 was 92.68%, with a total of 2,486 applications processed, of which 2,304 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

Good day ladies and gentlemen, this is IRC news, and I am Joy Stephen, an authorized Canadian Immigration practitioner bringing out this data analysis on the number of applicants approved for Canadian Permanent Residence for multiple years Under the Federal Express Entry program based on your country of citizenship. I am coming to you from the Polinsys studios in Cambridge, Ontario The approval rate for Sri Lankan nationals in the Economic Class PR applications in 2022 was 93.53%, with a total of 3,093 applications processed, of which 2,893 were approved. Stay tuned with IRCnews for weekly updates, Data and Programs on Canada Immigration.Furthermore, if you are interested in gaining comprehensive insights into the Provincial Express Entry Federal pool Canadian Permanent Residence Program or other Canadian Federal or Provincial Immigration programs, or if you require guidance after your selection, we cordially invite you to connect with us through https://myar.me/c. We highly recommend participating in our complimentary Zoom resource meetings, which take place every Thursday. We kindly request you to carefully review the available resources. Should any questions arise, our team of Canadian Authorized Representatives is readily available to address your concerns during the weekly AR's Q&A session held on Fridays. You can find the details for both of these meetings at https://myar.me/zoom. Our dedicated team is committed to providing you with professional assistance throughout the immigration process. Additionally, IRCNews offers valuable insights on selecting a qualified representative to advocate on your behalf with the Canadian Federal or Provincial governments, which can be accessed at https://ircnews.ca/consultant.  Support the show

St Patrick's Athletic star Chris Forrester joins Eoin Sheahan in studio for Wednesday's Football Show, talking about their League of Ireland season, Mason Melia's move to Spurs, and his own time tackling Chelsea with Peterborough United.The Football Show on Off The Ball with William Hill.

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:

Plus: An appeal from a nonprofit that's served Thanksgiving dinner to food insecure Las Vegans for 60 years; and a new documentary untangles the painful history of Indigenous boarding schools. All that — and what to see, hear and do this weekend — in the latest episode of KNPR's State of Nevada.

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! 

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