Podcasts about San Antonio

Penn and Reddi are joined by Matt and special guest Tim Jenison over Zoom from San Antonio. Flight delays, the prices of exotic animals, and an in-depth discussion with Tim on the history, current state, and possible future of artificial intelligence.

A breaking 15 & 60 opens with Dallas moving on from Nico Harrison and what that means for the franchise's direction. We examine the logic of acting now versus waiting, and the implications for Anthony Davis and Cooper Flagg. Then it's a detailed look at Pelicans–Spurs from the weekend, including Trey Murphy's big night and encouraging rookie flashes. San Antonio's guard mix with De'Aaron Fox returning and Stephon Castle blossoming at point guard. We close by taking stock of Denver's scorching start and which parts of the defensive profile look sustainable.Dallas Mavericks — 0:00New Orleans Pelicans — 30:01San Antonio Spurs — 40:29Denver Nuggets — 56:22 Join Dunc'd On Prime! It's the only place to get every episode with Nate & Danny, plus every pod with John Hollinger & Nate as well!Subscribe on YouTube to see our hilarious faces and, more importantly, see watch this free pod twice a week.Or, sign up for our FREE mailing list to get Dan Feldman's Daily Duncs with all the major topics around the league twice a week. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Brian Windhorst is joined by ESPN's Tim Bontemps and Tim MacMahon to discuss what led to the firing of Dallas GM Nico Harrison including a unique atmosphere for the Bucks-Mavs game, the impact on the team and why it happened now. Plus, what will happen for the Mavericks moving forward and if they should consider trading Anthony Davis or Kyrie Irving. Then, the guys talk a concerning injury to Cleveland's star guard Darius Garland before discussing the ascension of Stephon Castle in San Antonio and if the Magic are turning things around. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Government shutdown, when moms go out of town, watching other people's bags, and calling out gross behavior… On the net, it's a positive. ----- JOKES FOR HUMANS TOUR: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://johncristcomedy.com/tour/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 11/20 - Abilene, TX 11/21 - San Antonio, TX 11/22 - Tyler, TX 11/23 - Austin, TX 12/5 - Phoenix, AZ 12/6 - Santa Rosa, CA 12/7 - Redding, CA 12/11 - South Bend, IN 12/12 - Munhall, PA 12/14 - Buffalo, NY 1/23 - Joliet, IL 1/24 - Effingham, IL 1/25 - Nashville, TN 2/20 - Springfield, MO 2/22 - Louisville, KY 2/26 - Ithaca, NY 2/27 - Reading, PA 2/28 - Glenside, PA 3/1 - New York, NY 3/20 - Jackson, MI 3/21 - Rockford, IL 3/22 - Cedar Rapids, IA 3/27 - Columbia, MO 3/28 - Fayetteville, AR 3/29 - Little Rock, AR 4/10 - Stockton, CA 4/11 - Anaheim, CA 4/12 - Thousand Oaks, CA 4/17 - Tucson, AZ 4/18 - Houston, TX 5/2 - Fort Worth, TX 5/3 - Amarillo, TX 5/14 - Wilmington, NC 5/15 - Evans, GA 5/16 - Durham, NC 5/29 - Jacksonville, FL 5/30 - Asheville, NC 5/31 - Columbia, SC 6/4 - Mobile, AL 6/5 - Florence, AL 6/6 - Duluth, GA ----- Catch the full video podcast on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and follow us on social media (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@netpositivepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) for clips, bonus content, and updates throughout the week. ----- Email us at netpositive@johncristcomedy.com ----- FOLLOW JOHN ON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----- SUPPORT OUR SPONSORS MANDO: Control Body Odor ANYWHERE with @shop.mando and get $5 off your Starter Pack (that's over 40% off) with promo code NETPOSITIVE at https://shopmando.com BLUELAND: Get 15% off your order by going to https://blueland.com/netpositive BRUNT: Go to http://bruntworkwear.com/ and use code NETPOSITIVE to get $10 OFF ----- PRODUCED BY: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Alex Lagos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Easton Smith⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Lagos Creative⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In every industry, true leadership isn't about recognition—it's about service. In pet care, that spirit shows up in those who give their time, share their experience, and create space for others to grow. Few embody that better than Deanna Schaar and Cathy Vaughan of the Texas Pet Sitters Association. What began as a small meet-up in a boarding facility has become one of the most beloved conferences in pet care—an annual, volunteer-led non-profit event that draws attendees from across the country. They share how early chaos and tech mishaps shaped their approach, how they find and support speakers, and why community—not competition—is their secret sauce. From health and wellness sessions to industry-wide collaboration, this conversation celebrates the heart and humility behind real leadership. Main topics: Starting a grassroots conference Building a non-profit association Learning from early mistakes Finding and supporting speakers Creating community and belonging Main takeaway: "We don't have egos—this isn't about getting on stage. It's about doing whatever needs to be done to help others." That line sums up the heart of the Texas Pet Sitters Association. Deanna Schaar and Cathy Vaughan didn't set out to build a conference for recognition—they built it for connection. Over 11 years, they've created a place where pet sitters learn, laugh, and lean on each other. Their story is a reminder that the best leaders lift others first. Because in both business and life, anything worth building takes time, energy, and people. Setting aside your ego and letting others shine is what truly propels whatever you're trying to grow. About our guests: Deanna Schaar is the owner of Deanna's Dog House, offering in-home dog boarding in Texas. A founding member and current Vice President of the Texas Pet Sitters Association, she is passionate about community education and support for fellow pet sitters. Cathy Vaughan owns Cathy's Critter Care in San Antonio and serves as President of the Association. Together, they lead a volunteer non-profit that hosts an annual conference fostering professional development, networking, and friendship for pet care providers nationwide. Links:

In Lunch-Time Confessions, Rome or San Antonio got Reggie thinking.

Cam Smith and KC Johnson break down what's behind the team's three straight losses to Milwaukee, Cleveland, and San Antonio. They discuss late-game execution and finding a consistent closer. They talk Matas Buzelis' defensive learning curve, Billy Donovan's take on the offense, and Jalen Smith's strong play off the bench. Plus, how Chicago has handled one of the league's toughest early schedules.

On this episode of the RAISE Podcast, Brent hosts Karl Miller Lugo, Vice President for Advancement and Alumni Engagement at The University of Texas at San Antonio.Karl shares his journey from Puerto Rico to rural Kentucky, where he was a Breckenridge County High School Tiger, class president, and deeply involved student who later followed a family path to Western Kentucky University. There, an eighth-grade camp visit, multiple family connections, and a powerful student ambassador experience as a “Spirit Master” opened his eyes to advancement and the power of donor relationships.He describes starting his career in admissions at Lindsay Wilson College, where the president reminded him that 75% of the institution's income came through his office. As a twenty-two-year-old “green as grass,” he learned relationship-based recruitment, drove hours to personally pick up prospective students for campus visits, and spent long evenings on the phone—lessons in resilience, fit, and mission that still shape his work.Karl then moves from admissions to development, back to his alma mater for major gifts, into a ten-year run at UT Austin, and later into consulting with BWF, which he calls his “PhD work in the field.” Today, at UTSA, he leads advancement and alumni engagement for a growing, research-intensive, Hispanic serving institution focused on access, success, and transformational impact in San Antonio and beyond.

In this episode of the Tyler Tech Podcast, Cate Ryba, director of resident engagement at Tyler Technologies, and Sara Diaz, director of information technology for the city of El Cajon, California, join the show to discuss how digital services can strengthen community connections and build public trust.Recorded live at Tyler Connect 2025 in San Antonio, the conversation explores how El Cajon's My El Cajon app — powered by Tyler's My Civic platform — is making government more intuitive and responsive. Sara shares how her team designed the app with real residents in mind, incorporating feedback from diverse users to ensure accessibility across ages, languages, and cultures.Cate highlights how user expectations are evolving and why government technology must deliver the same seamless, reliable experiences that residents enjoy from private-sector apps. Together, they discuss how strong partnerships, data-driven improvements, and thoughtful design can help governments meet residents where they are — online, on their phones, and in their communities.This episode also spotlights Tyler Connect 2026, where innovation and collaboration take center stage. Taking place April 7–10 at the Venetian Resort in Las Vegas, Connect brings together public sector professionals from across the country to explore new solutions, share ideas, and strengthen communities. It's a week dedicated to learning, connection, and imagining what's possible for the future of government technology. Explore registration details and early bird pricing in the show notes to start planning your Connect 2026 experience.Learn More and Register Now: Tyler Connect 2026 in Las VegasAnd learn more about the topics discussed in this episode with these resources:Download: Modern Governments Live in the CloudWatch: How a City Sparked Civic EngagementWatch: My Civic App Offers a One-Stop Shop for Newark CommunityWatch: My Civic: One App to Engage Your CitizensSuccess Story: The Technologically Thriving City of El Cajon, CaliforniaBlog: Let's Empower, Connect, and Imagine at Connect 2026!Blog: Excellence 2025: Civic Interaction & Public Trust SolutionsBlog: Excellence 2025: Digital Services & Cloud SolutionsBlog: Partnering With Communities to Build ResilienceBlog: How Small Cities Are Using Technology to Grow ResilienceListen: Strengthening Public Trust and ResilienceListen to other episodes of the podcast.Let us know what you think about the Tyler Tech Podcast in this survey!

After four decades of unanswered questions, new DNA testing has led prosecutors to a suspect they say is responsible for a teenager’s 1984 rape and murder.In San Antonio, Texas, police say a twenty-one-year-old man shot and killed three co-workers before taking his own life.In North Carolina, a police officer assigned to a hospital campus was killed during an encounter in the emergency department lobby. Finally, in a widening federal counter-terrorism investigation, two additional young men have been charged with attempting to aid the Islamic State group.See omnystudio.com/listener for privacy information.

Three employees are gunned down at a northeast San Antonio landscaping business by a coworker who later took his own life. A Southern California woman leads police on a two-hour chase from Ventura County to the U.S.–Mexico border, crossing into Mexico before authorities could stop her. Drew Nelson reports.See omnystudio.com/listener for privacy information.

Senado aprueba proyecto para poner fin al cierre de gobierno más largo de la historia.Inusual ola de frío polar afecta a millones de estadounidenses.Trump promete bono de dos mil dólares financiado con aranceles.Tiroteo deja 3 hispanos muertos en San Antonio, Texas y el atacante se suicida.En Indiana exigen justicia para madre limpiadora que fue asesinada.En Chicago la comunidad defiende a maestra detenida por ICE.Escándalo de peloteros y apuestas amañadas.Escucha de lunes a viernes el ‘Noticiero Univision Edición Nocturna' con Elián Zidán.     

Have you ever wondered if the dream on your heart could really be from God? In this inspiring episode of Faith Fueled Living, Kristin Fitch sits down with Pastor Ed Newton of Community Bible Church in San Antonio, TX to talk about what it means to embrace your God dream—the purpose and calling uniquely designed for you. Pastor Ed just released his book called Why Not You.Through personal stories, biblical wisdom, and real-life encouragement, Ed reminds us that every believer is equipped for impact. You'll hear how God often uses our insecurities, setbacks, and even our “third-string” seasons to prepare us for His biggest assignments. Together, we unpack what it means to walk in anointing, not just talent, and why it's time to stop doubting yourself and start asking, “Why not me?”If you've ever wrestled with fear, imposter syndrome, or uncertainty about your calling, this episode will reignite your faith and remind you that God's power within you is more than enough. TakeawaysGod has placed a dream in you. Your purpose is unique, and it's time to say yes to it.Anointing matters more than talent. True influence comes from God's power working through you.Your struggles prepare you. Challenges refine your faith and position you for greater impact.Face fear head-on. Like a buffalo running into the storm, courage builds strength and freedom.Legacy and obedience go hand in hand. Small acts of faith can ripple through generations.Connect with Pastor Ed - CommunityBible.com or The Why Not You PodcastCheck Out Pastor Ed's new book- Why Not YouDownload My Free Joyful Living 15 Day Devotional: https://kristinfitch.com/devotionalReady to take your first step towards a more joyful, faith-filled life? Download our Reignite Your Passion Workbook and start living with purpose today!Learn more about Kristin and connect with her at KristinFitch.comGod-given purpose • faith and calling • overcoming fear • Christian women podcast • Ed Newton interview • spiritual growth • living your purpose • anointing vs talent • faith in action • trusting God's plan • finding your calling • Christian encouragement • purpose-driven life • overcoming imposter syndrome • Faith Fueled Living podcast • personal testimony • walking by faith • divine assignment • Christian leadership • inspiration for believers - Pastor Ed Newton

In the early hours of June 23, 1985, fourteen-year-old Jennifer Leigh Day opened Preston Road Donuts in North Dallas for her usual Sunday shift. She brewed the coffee, stocked the shelves, and rang up her last customer at 6:20 a.m. Fifteen minutes later, the shop was silent. Jennifer's purse and jewelry sat untouched on the counter, her apron on the floor, and the cash drawer still full.Three days later, construction workers discovered her body in a field off Preston Road and State Highway 121 in Plano—eleven miles north. Jennifer had been bludgeoned and stabbed through the throat.Her murder shook a city that believed it was safe. Detectives followed every lead, chased sightings of a white 1970s sedan, and combed the area for evidence, but the case went cold within weeks.Jennifer's mother, Patsy Day, turned heartbreak into advocacy, helping other families navigate life after violent loss. Decades later, the case remains unsolved, but her daughter's story endures as one of North Texas' most haunting reminders of how quickly ordinary moments can change forever.If you have any information about the abduction and murder of Jennifer Leigh Day, please contact the Plano Police Department's Crimes Against Persons Unit at (972) 941-2148, or go to this Plano Police website where you can submit a tip anonymously: https://www.planocoldcases.com/case/1985-7/jennifer-leigh-daySources: The Plano Star-Courier, The Dallas Morning News, The Fort Worth Star-Telegram, KXAS-TV archives accessed on texashistory.unt.eduYou can support gone cold and listen to the show ad-free at https://patreon.com/gonecoldpodcastFind us at https://www.gonecold.comFor Gone Cold merch, visit https://gonecold.dashery.comFollow gone cold on Facebook, Instagram, Threads, TikTok, YouTube, and X. Search @gonecoldpodcast at all or just click https://linknbio.com/gonecoldpodcast #SanAntonio #JusticeForJenniferDay #Dallas #Plano #TX #Texas #TrueCrime #TexasTrueCrime #ColdCase #TrueCrimePodcast #Podcast #ColdCase #Unsolved #Murder #UnsolvedMurder #UnsolvedMysteries #Homicide #CrimeStories #PodcastRecommendations #CrimeJunkie #MysteryPodcast #TrueCrimeObsessed #CrimeDocs #InvestigationDiscovery #PodcastAddict #TrueCrimeFan #CriminalJustice #ForensicFilesBecome a supporter of this podcast: https://www.spreaker.com/podcast/gone-cold-texas-true-crime--3203003/support.

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  

Kevin O'Connor is joined by Pierre Andresen, aka PeeWeeDaPlug, to discuss the current state of the Dallas Mavericks and if their disappointing 3-7 start will lead to Nico Harrison being fired. They also react to De'Aaron Fox's return from injury for the Spurs and ask if San Antonio can truly be a title contender when they're firing on all cylinders. Speaking of firing, with the Orlando Magic struggling despite high expectations, the pair debates whether head coach Jamahl Mosley is truly on the hot seat or if the Orlando players are primarily responsible in this blame game.Later, KOC is joined by James Barlowe to take a look at some of the top prospects for the 2026 NBA Draft. They spotlight standout performances from Koa Peat, AJ Dybantsa, Neoklis Avdalas, Cameron Carr and more.(1:30) Nico Harrison likely to be fired by Mavs(8:21) De'Aaron Fox returns to Spurs lineup(19:45) Rockets mount 4th quarter comeback vs. Bucks(29:38) State of the Phoenix Suns(41:53) Chicago Bulls lose 3 of last 4 games(45:40) Where does Paul George fit on 76ers roster now?(52:12) Is Jamahl Mosley on the hot seat in Orlando?(1:04:32) Draft Class with James Barlowe

Between the Beats: From Texas Roots to Trailer Rhythms What does it take to edit trailers that breathe emotion, humor, tension, and awe—all in a few short minutes? This week, we sit down with Shea Jones, a self-proclaimed "rhythm cutter" whose musical instincts have defined some of the most memorable trailer moments of the last decade. Shea shares his origin story—from math-loving student in San Antonio to trailer editor at X/AV—along with insights into how he approaches genre, music, and storytelling.

PBC World champ energy only!

Ever wondered how military skills translate into successful entrepreneurship? Meet Benjamin Pratt, the brains behind TapRack Social, who is joined by fellow veteran and business partner Aubrey Lewis. Together, they've crafted an innovative entertainment venue in San Antonio, combining a bar, gun range, and golf range, all enhanced with top-tier tech. Get insights into how Benjamin's Air Force background laid the groundwork for this venture, empowering him with problem-solving prowess and communication finesse that are now pivotal in his entrepreneurial journey.Explore the intriguing concept of TapRack Social, where the buzz of a cocktail bar meets the thrill of a high-tech laser shooting experience in a Topgolf-like setting. This episode unveils the behind-the-scenes strategies that make this tech-forward venue a success, spotlighting the strategic location choices and dynamic partnerships. Benjamin shares how mastermind groups and mentorship are instrumental in navigating the entrepreneurial landscape, offering listeners a glimpse into how veterans can harness their unique skills for impactful community investments and business growth.We wrap up our conversation with a discussion on balancing business with family life, particularly for veterans stepping into entrepreneurship. Benjamin opens up about the importance of a supportive family, making time for his son, and how veterans can play a pivotal role in economic development through strategic investments. To inspire your entrepreneurial spirit, we also touch upon literary gems like "Think and Grow Rich" and "The Alchemist" that offer profound insights. Join us in this engaging episode for a mix of personal stories, strategic insights, and inspiration for veterans looking to make their mark in the business world.Support the showhttps://www.patreon.com/c/EA_BookClub

Lindsey Mulder talks about what drew her to become involved in leadership with the Running Industry Association and how important The Running Event is to the RIA and brick-and-mortar run specialty stores. We also chat about what makes Playmakers Footwear and Apparel so special, the Thanksgiving dish to take off the menu, why she's excited for TRE in San Antonio this year, the importance of running shoes, double-decker tacos, and more!If you're in the East Lansing area and in need of shoes, be sure to check out Playmakers Footwear and Apparel!Follow the official The Running Event Page for updates and information ahead of this year's event, which will take place in San Antonio from December 2-4.Be sure to follow Lactic Acid on the following platforms:  YouTube: Lactic Acid Podcast Twitter: Lacticacid_pod Instagram: Lacticacidpodcast Substack: Lacticacidpodcast

Welcome to the San Antoniooooooooooooooooooooooooooooooooooooooooooooooooooo FanCast Soccer Roundtable Topics:Sunday Night RecapSAFC Fancast Recap:SAFC 0New Mexico United 2USL Championship Playoffs Fireworks, Upsets, and DisappointmentsSA Soccer Roundtable/SAFC Fancast

The Chicago Bulls are discovering something every good team hits eventually: you can win with depth, but you advance with stars. After back-to-back losses to teams with closers like Giannis Antetokounmpo and Donovan Mitchell, Josh Giddey didn't sugarcoat the truth — the Bulls don't have a clear No. 1 option in the clutch, and it's showing.In this episode, Haize breaks down why Chicago must eventually identify a true go-to scorer, whether that's Coby White, Giddey himself, or a future version of Matas Buzelis. We also look at what contenders like Indiana have proven: depth matters, but elite players still separate great teams from good ones.Next, we dive into why Bulls fans shouldn't view Ayo Dosunmu vs. Coby White as an either/or situation. Thanks to Giddey's team-friendly deal and massive upcoming cap space, Chicago may be able to retain both guards long-term if contracts align.We also provide an update on Zach Collins, who is nearing a return pending a CT scan but still wearing a cast. A December comeback looks realistic.Finally, we preview Bulls vs Spurs — a matchup featuring Victor Wembanyama's monster start, San Antonio's 7–2 record, and the keys to slowing down a team with eight double-digit scorers.Plus, listener voicemails on Billy Donovan's rotation decisions, Jalen Smith's minutes, and why Bulls fans shouldn't waste energy on outside noise.Podcast Links: https://linktr.ee/BullsCentralPodGet at us:Email: BullsCentralPod@gmail.comTwitter:@BullsCentralPodPhone: ‪(773) 270-2799‬Support this podcast at — https://redcircle.com/chicago-bulls-central/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

A San Antonio scientist thinks of the protein that drives most prostate cancers as a machine, and pioneers a method to visualize it for the first time. This could lead to much better treatments and, someday, prevention.

Fertility & Sterility on Air is at the 2025 ASRM Scientific Congress & Expo in San Antonio, Texas (Part 1)! In this episode, our hosts Kate Devine, Blake Evans, and Micah Hill cover: Anne Steiner, the current Editor-in-Chief of F&S Reviews, and Ruben Alvero, the incoming Editor-in-Chief, discuss the journal's submission process and future directions (01:06) Complexity of genetics and available testing modalities with Mili Thakur (06:45)  Optimizing embryo utilization: cost effectiveness of cryopreservation in the face of legal and financial uncertainty with Allison Eubanks (16:25)  Optimizing pain control following oocyte retrieval - a randomized blinded placebo controlled trial assessing ketorolac efficacy and fresh embryo transfer outcomes with Marja Brolinson King and Laura Zalles (21:42)  Discussing the Fertility and Sterility Editorial Fellowship program with F&S's first Editorial Fellow, Allison Eubanks (30:22)  Beyond expert grading: comparing a fully automated AI system to five expert embryologists for embryo selection with Mohsen Bahrami (36:20)

First Presbyterian Church of San Antonio - Rev. Scott Simpson 11-9-25 by First Presbyterian Church San Antonio

First Presbyterian Church of San Antonio - Rev. Dr. Bob Fuller 11-9-25 by First Presbyterian Church San Antonio

Well, in the aftermath of the Prop A and B vote for San Antonio, what did you think we would talk about? Jeff watches Mayor Jones in action, and we talk about what is the next hurdle for us to clutch our pearls about. It's our weekly discussion about where we are on the playoff hunt, then we talk some Cowboys. Just another manic Friday, folks.

The Chicago Bulls squandered a 19-point lead in a crushing 128-122 loss to the Cleveland Cavaliers, exposing critical execution flaws and questionable coaching decisions. Host Haize breaks down Billy Donovan's puzzling choice to bench red-hot Jalen Smith (18 points, 11 rebounds, plus-17) in favor of struggling Nikola Vucevic during crunch time, despite Smith's perfect 6-for-6 shooting performance. The Bulls' bench exploded for 58 points—led by Jaylen Johnson's flawless outing and strong contributions from Patrick Williams, Kevin Huerter, and Ayo Dosunmu—yet late-game mismanagement and Josh Giddey's ankle injury derailed Chicago's momentum. Matas Buzelis struggled significantly, while the absence of Coby White became glaringly apparent in critical fourth-quarter possessions. With the Bulls now 6-3 and facing their first losing streak of the season, this analysis reveals what went wrong and what must change as they prepare for upcoming matchups against San Antonio, Detroit, and Utah. Tune in for an unfiltered breakdown of this winnable game that slipped away.Podcast Links: https://linktr.ee/BullsCentralPodGet at us:Email: BullsCentralPod@gmail.comTwitter:@BullsCentralPodPhone: ‪(773) 270-2799‬Support this podcast at — https://redcircle.com/chicago-bulls-central/exclusive-contentAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

It's a special episode of John Costa's Lakers Corner as he invites Gerald Glassford from the Lakers Fast Break podcast over as they go over the last week and what's up ahead for the Lakers. They go over the Miami, Portland, and San Antonio games and what went right. The guys also cover JJ Redick's coaching early in the season and why the Lakers have continued to win despite the injuries. There's a heated discussion on what a potential starting lineup should look like upon LeBron's return, and if Austin Reaves should (or could) accept a role coming off the bench at this point. They also take a quick look ahead at the upcoming road trip and what needs to fall in place for the rest of this season. John Costa's Lakers Corner is here with a special episode just for you on the Lakers Fast Break podcast!Check out John Costa's channel, Lakers Corner at https://www.youtube.com/@LakersCorner and  @LakersCorner  everywhere on social media!Check out Yaron Weitzman's book, "A Hollywood Ending: The Dreams and Drama of the LeBron Lakers," which you can buy today on Amazon at https://tinyurl.com/y344ckmjFollow @DripShowshop for some awesome sports merchandise!Check out Dodgers baseball on Playback at https://www.playback.tv/thejoesorooxperimentJoe's new game Coreupt is OUT NOW! Wish List it here: https://store.steampowered.com/app/23... Lakers Fast Break now has YouTube memberships! Join today at / @lakersfastbreak and for just $2.99 a month, you get access to LFB badges and emojis, channel page recognition, and more! Check out Stone Hansen on Twitter @report_court, Alfred Ezman @alfredezman, and John Costa's channels: Clutch Talk- / @clutchtalkpod and Lakers Corner- / @lakerscorner and Legend350 on his new channel / @sportslegend2018 Special Deals today from our friends at #temu today at https://temu.to/m/u1samwbo8cc use code: aca785401 and you might save some $$$ at TEMU! Take a look at the line of Kinhank Mini PC's and retro game machines today at https://www.kinhank-retrogame.com?rs_ref=e8NA2Rm2 for some gaming and computing fun from Kinhank! Don't forget to watch the Lakers games with us LIVE at playback.tv/lakersfastbreak and our newest Lakers Fast Break merchandise site is now up at ⁠http://tinyurl.com/yerbtezk check it out! Please Like, Share, and Subscribe to our channel and our social media @lakersfastbreak on Twitter, Instagram, Facebook, Twitch, on BLUESKY at @lakersfastbreak.bsky.social, e-mail us lakersfastbreak@yahoo.com or catch our audio of the Lakers Fast Break today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://anchor.fm/lakers-fast-break⁠, Spotify, Apple Podcasts, or your favorite podcast outlet! The views and opinions expressed on the Lakers Fast Break are those of the panelists or guests themselves and do not necessarily reflect the official policy or position of the Lakers Fast Break or its owners. Any content or thoughts provided by our panelists or guests are of their opinion and are not intended to malign any religion, ethnic group, club, organization, company, individual, anyone, or anything. Presented by our friends at ⁠⁠⁠⁠⁠⁠⁠⁠⁠lakerholics.com⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠lakersball.com⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠Pop Culture Cosmos⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠Inside Sports Fantasy Football⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠Lakers Corner, @DripShowshop, ⁠⁠⁠⁠⁠⁠⁠⁠⁠SynBlades.com⁠⁠⁠⁠⁠⁠⁠⁠⁠, I Got Next Sports Media⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Happy Hoarder⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠Retro City Games!

The five-game winning streak for the Rockets (5-3) is now history after Friday's 121-110 loss to the Spurs (6-2). The in-state rivalry game served as the opener of Emirates NBA Cup 2025 play for both teams.Featuring Ben DuBose and Dave Hardisty, Friday's ClutchFans Live postgame show breaks down all the key takeaways, including how San Antonio crushed Houston off of turnovers (33 points off 23 giveaways) and subpar defensive rebounding (15 offensive boards for the home team).The show also highlights a relatively encouraging night for Reed Sheppard (16 points, 6 assists, 60% FG), albeit with some defensive miscues late in the game.

New Orleans Pelicans vs. San Antonio Spurs NBA Pick Prediction by Tony T. Pelicans vs. Spurs Injuries Missi, Murray, Poole and Zion are out for New Orleans. Harper is out with Kornet doubtful for San Antonio. Fox is probable. Recent Box Score Key Stats Pelicans at Spurs 8PM ET—New Orleans improved to 2-6 following their 101-99 road win at Dallas. The Pelicans shot 43% with 32% from three. Saddiq Bey scored 22 points with nine rebounds. Jose Alvarado came off the bench for 13 points and five rebounds. New Orleans allowed 42% shooting to the Mavs with 31% from three. San Antonio is on a back-to-back after hosting Houston Friday night and winning 121-110.

LA Lakers vs. Atlanta Hawks NBA Pick Prediction by Tony T. Lakers vs. Hawks Injuries James, Reaves, Thiero and Vincent are out for LA. Kleber is questionable. Young is out with Durisic doubtful for Atlanta. Kennard is probable. Recent Box Score Key Stats Lakers at Hawks 7PM ET—LA improved to 7-2 following their 118-116 home victory against San Antonio. The Lakers shot 45% with 32% from three. Luka Doncic scored 35 points with 13 assists. DeAndre Ayton produced 22 points with ten rebounds. LA allowed 49% shooting with 39% from three. Atlanta is on a back to back after hosting Toronto on Friday night and losing 109-97.

This week on bigcitysmalltown, we examine San Antonio's housing crisis and the challenges facing public housing as both federal support and affordability decline. Bob Rivard is joined by Michael Reyes, CEO and President of Opportunity Home—San Antonio's housing authority—to discuss what's at stake for the city's most vulnerable residents and the future of local affordable housing.With an annual operating budget of $250 million and 600 employees, Opportunity Home provides housing assistance to nearly 50,000 San Antonians, while managing a waiting list of over 60,000 people. Yet, as costs rise and federal investment dwindles, Michael Reyes candidly addresses deferred maintenance, government gridlock, and why public ownership remains critical.Key topics include:• The impact of federal funding cuts and the shift toward vouchers• Strategies to renovate 6,000 public housing units over the next decade• NIMBYism, economic segregation, and distribution of affordable housing across city council districts• Collaboration with the City of San Antonio and future prospects for housing bonds• The legacy and controversy surrounding renovations at Alazan Apache Courts• How the current waiting list reflects growing need—and evolving city prioritiesWith deep ties to San Antonio and global expertise in housing policy, Michael Reyes offers a forward-looking but pragmatic take on what's needed to address systemic poverty, support families, and ensure all San Antonians have a place to call home.RECOMMENDED NEXT LISTEN:▶️ #110. San Antonio's Model for Homelessness: Why Other Cities Look to Haven for Hope – This episode is a compelling companion to Michael Reyes's insights on affordable housing, as host Bob Rivard speaks with Kim Jeffries, CEO of Haven for Hope, about how San Antonio's collaborative approach to homelessness is becoming a national model. Hear how the city's innovative strategies, partnerships, and responses to recent crises are shaping support for its most vulnerable residents.-- --CONNECT

In this episode, Josh Gerken, who leads Asset Management at UT San Antonio, shares how the university strategically manages its physical growth to align with long-term academic and institutional priorities. As part of the university's Facilities, Real Estate, Construction & Planning team, Josh oversees space planning and sustainability initiatives.A proud graduate of UT San Antonio's Executive MBA program, Josh brings a wealth of real-world experience and a deep connection to the Roadrunner community. His perspective enhances the UT San Antonio's approach to planning and development with operational efficiency in addition to leveraging the talents of its own students, offering hands-on learning that contributes directly to the university's continued growth. He also shares insights into the university's role in San Antonio's downtown development, illustrating how thoughtful, sustainable asset management can strengthen both the campus and the surrounding community now and for the future.Tune in as Josh discusses the bold vision guiding UT San Antonio's next chapter of growth and how strategic investments today are shaping a smarter, more connected campus. He offers a behind-the-scenes look at how the university is reimagining its physical spaces to inspire learning, sustainability, and economic growth. This conversation offers a forward-looking glimpse into how UT San Antonio is building not just for today, but for generations to come.Show Notes:UT SAN ANTONIO AlumniDistrict Planning ReportBlanco HallFirst Gen FestStudent Success Award FinalistUTSA FootballUTSA AthleticsUT SAN ANTONIO Alumni Online Store Thanks for tuning in! Don't forget to like, follow, and subscribe for more great content! Birds Up!

Send us a textThe New Orleans Pelicans are 2-0 in their last two games, winning their first back-to-back of the season — and both were clutch wins: • 101–99 @ Mavericks • 116–112 vs HornetsThis comes after: • Three 30-point blowout losses (Boston, OKC, Denver) • Three clutch losses (Memphis, San Antonio, Clippers)And the Pelicans are doing it without three starters: • Zion Williamson (hamstring, out 5–9 days) • Jordan Poole (quad, out 7–10 days) • Yves Missi (illness, day-to-day)Yet the locker room hasn't folded.The effort, connectivity, and defensive rotations look improved.So… have the Pelicans found something real, or is this just a lighter schedule?Twitter / IG / TikTok → @nobasktball (no “E”)

Host of the Suite Spot podcast and Vice President of Marketing at Travel Media Group, Ryan Embree, breaks down the key takeaways from the 2025 Hospitality Show that took place in Denver, Colorado, last month.  Ryan shares not only his opinion on some of the most prevalent topics from the renowned industry event, but he also shares what panelists, attendees, hoteliers, and others had to say about the conference and the state of hospitality.  Tune in now to listen to the full episode. Ryan Embree: Welcome to Suite Spot, where hoteliers check in, and we check out what's trending in hotel marketing. I'm your host, Ryan Embree. Hello everyone. Ryan Embree here with the Suite Spot Podcast, and we are fresh off of our 2025 Hospitality Show coverage in Denver, Colorado. We are back here in our Travel Media Group headquarters, a little bit closer to C-level in our Suite Spot podcast studio. Absolutely incredible event. Wanna first think Questex and AHLA as well as the city of Denver for hosting from end to end. So amazing from the programming to the networking to the industry professionals that we had the privilege of interviewing. You can find all of those exclusive interviews on our TMG YouTube page, make sure to follow along. But in today's episode, we are gonna go with our top takeaways from the Hospitality Show in Denver. And it really started right off the bat. I mean, this was an end to end, just jam packed insights, trends, everything a hotelier could want. You know, this was billed as one of the most comprehensive shows in hospitality. And from all of the education sessions that we saw, the panelists, the conversations that we had, the networking that went on again, hats off to the teams over at AHLA and Questex, where I'll start my key takeaways is really one of the first quotes that really resonated with me as an attendee on the first day. And this was I forget who I can attribute this quote to, but was talking about how we ended the 2024 Hospitality Show in San Antonio. And everything that has happened between then and the start of the 2025 Hospitality show, an election, you know, a tumultuous start to the year, with tariffs, international travel, almost seeing double-digit drops in some places between some countries. And then now we have a government shutdown here. So, so many things that the hospitality industry had to deal with. And, you know, I have the privilege of attending multiple events throughout the year, and never have I ever been on such a rollercoaster ride. It started at the beginning of the year in March where we met a lot of hoteliers that were kind of bracing for impact. They were coming down this hill. Projections didn't look great. A lot of sentiment out there was not was not awesome. Deals were not getting done. It just feel very like a crawl. And then all of a sudden summer came and as we were kind of bracing ourselves for this just dip or this terrible kind of cliff that we were about to, to fall off, we kind of opened our eyes as an industry and said, it's really not as bad as it's being made out to be. And a lot of hoteliers, as we saw and we interviewed, talked to, had some really good summers, had some really good numbers, occupancy, looking across different markets, some of the markets that weren't doing as well rebounded. And they were starting to see a little bit of glimmer of hope. And now here we are at the end of the year and it feels like those storm clouds are brewing again. And we're bracing ourselves for a new year in 2026. And maybe it's because we're just looking at the numbers. It's budget season. We're starting to try to forecast like we love to do and have to do frankly in hospitality, but it just feels like that worry is coming over us again. But to that, I feel like it's in these times where there's a lot of creativity and ingenuity that starts to really spur and, and it's these events that could be a catalyst for real change in our industry.

How do you find a Value-Add Multifamily deal that still pencils out when the last one closed 28 months ago?

La pulga, el piojo, el bicho colorado, la hormiga negra, el cascarudo, la vaquita de San Antonio, la pequeña langosta verde, la hormiga colorada y el ratoncito van a correr mundo. Tienen unas ganas tremendas de conocer tierras lejanas y saber cuáles son las tres cosas por las que vale la pena vivir.Mi Instagram:   https://www.instagram.com/cuentos_e_historias_infantiles?igsh=MW82OGs2eDZ6MnRrZQ==Mi Facebook:   https://www.facebook.com/share/1BaLjQVv7n/

SUMMARY: Matt eats up airtime in San Antonio and wants to coax Brushwood out of retirement from magic. The Springsteen movie would be greatly improved with a Muppet cast. Paul spruces up a goose and visits a Jack-o'-Lantern festival. Matt's Halloween celebration offers up thrills…and some frights. Plus a Raiding the Rock Vault Scoopardy.

Send us a text  Through all the emails that we get, some of the most entertaining, as well as humbling emails, have came from the Australians. This year, a group of them came to the United States to travel and visit as many venues as possible, and shoot as many targets as they could, before ending up at the National Championship! The numbers of clubs and targets are staggering!  We caught up with Jason Solomons in San Antonio, and it was clear that we had to get a podcast recorded with this group!   Through the many challenges that they face in their country for shooting, they stay persistent to the game, and strive to help grow the sport both abroad and at home! Jason Solomons - jason@shotgunsportsaustralia.com.au- Kolar Arms - https://www.kolararms.com- Fiocchi USA - https://fiocchiusa.com                                                                                      - Gun & Trophy Insurance - https://gunandtrophy.com/                                                                - Atlas Traps - https://www.atlastraps.com- Rhino Chokes - https://rhinochokes.com- Ranger Shooting Eyewear - https://www.reranger.comRanger 10% Discount = DEADPAIR10- Taconic Distillery - https://www.spirits.taconicdistillery.com/  Discount -DEADPAIR10- Long Range - https://www.longrangellc.com- Score Chaser - https://scorechaser.com/- NSSF Plus One - https://www.nssf.org/plusone/                                                              - Clay Range Design Works - https://traptowers.comSupport the showThe Dead Pair Podcast - https://thedeadpair.com FACEBOOK- https://www.facebook.com/Thedeadpair. INSTAGRAM- https://www.instagram.com/thedeadpairpodcast/YOUTUBE- https://youtube.com/channel/UCO1ePh4I-2D0EABDbKxEgoQ

Join author and teacher Pamela Yula for a heart-centered guided meditation designed to help you slow down, listen deeply, and reconnect with your inner truth. Accompanied by soothing singing bowls and gentle journaling prompts, this practice invites you to hear the quiet wisdom that's always been within you.As you move through this meditation, Pam invites you to pause, breathe, and listen—to the soft, steady whispers of your own heart. You'll be offered gentle journaling prompts to deepen your awareness and capture the messages that arise.This episode is a moment of self-connection, compassion, and truth—a space to remember that your heart always knows the way homeSend us a textWanna be on the show? Click here to fill out our guest info form or drop us a email at yogachanged@gmail.comFollow us on TikTok:https://www.tiktok.com/@yogachangedFollow us on Instagram:https://www.instagram.com/yogachanged/For more, go to https://howyogachangedmylife.comThe theme music for this episode, “Cenote Angelita”, was written and produced by Mar Abajo Rio AKA MAR Yoga Music. Dive deeper into this and other original yoga-inspired compositions by visiting bio.site/mcrworks. For the latest updates on upcoming events featuring his live music for yoga and meditation, be sure to follow @maryogamusic on Instagram.

The news of Texas covered today includes:Our Lone Star story of the day:  Two new Texas towns that might have been, will not be. And, more election wrap-up from around the state. Also, will the Marxist Mamdani's win in New York City be good for Texas?Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Local sales tax number released by the Office of Comptroller – look up your city here. The state as a whole was up 4.6 percent over the same period last year.Texas Named Top Business Climate In America For 3rd Year In A RowUPS jet that crashed in Louisville was serviced in San Antonio.Texas plans to buy 54,000 acre ranch in western Hill Country as a state park; would be second largest.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

Conversation with poet and writer Cyra Sweet Dumitru who reads from her new memoir Words Make a Way Through Fire: Healing After My Brother's Suicide.Sign up for Michelle Redo's free monthly newsletter The Re-do at michelleredo.com Listen to more of Phil Redo's music at Band Camp, Apple Music and Spotify.Cyra Sweet Dumitru is a published poet, instructor of poetry, writing coach, former medical writer, and one of four certified practitioners of poetic medicine living in Texas. She served as faculty in the Department of English for 20 years at St. Mary's University in San Antonio, and developed curriculum for the Institute of Poetic Medicine as faculty for the Practitioner of Poetic Medicine training program. Her poems have appeared on the walls of San Antonio's City Hall, on city buses, been spoken on national public radio, appeared in city newspapers and national literary journals, and been read in dozens of bookstores and museums. Her four collections of poems include: What the Body Knows (Orchard Press), Listening to Light (River Lily Press), Remains (Pecan Grove Press) and Elder Moon (Finishing Line Press). Cyra offers therapeutic writing circles for adults learning to live creatively with trauma, bereavement, depression, and anxiety. She lives in San Antonio, Texas with her family.

Episode 595 Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Jon Tober from San Antonio to unpack how he went from closing 3 loans a month to consistently hitting 8 and 9, even in a market where most loan officers are struggling to stay flat. Jon opens up about what shifted for him after facing a 50% drop in production, and how joining the right mentorship circle completely changed his trajectory. He shares the exact strategy that's been driving his surge in business: a simple but powerful book club for referral partners that builds real relationships, adds value, and keeps agents engaged week after week. You'll hear how Jon identifies the right agents to invite, structures his meetings, and turns each chapter into an opportunity for accountability and growth, both for his partners and his own business. Carl and Jon also dig into what it really means to be intentional, how to stay a lifelong student, and how consistency and connection can triple your income in less than a year. If you've been wondering how to create deeper, scalable relationships with your agents and grow your pipeline without adding chaos to your schedule, this conversation is packed with real-world ideas you can put to work right away. For more information about Carl's upcoming accountability group, visit AllianceNextLevel.com. Schedule a one-on-one free coaching call, click here or visit LoanOfficerStrategyCall.com.    

How Tim Tebow changed high school sports in Florida, his favorite coach stories, how our society lacks purpose, and living passionately... On the net, it's a positive ----- JOKES FOR HUMANS TOUR: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://johncristcomedy.com/tour/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 11/7 - Boise, ID 11/8 - Spokane, WA 11/9 - Tacoma, WA 11/20 - Abilene, TX 11/21 - San Antonio, TX 11/22 - Tyler, TX 11/23 - Austin, TX 12/5 - Phoenix, AZ 12/6 - Santa Rosa, CA 12/7 - Redding, CA 12/11 - South Bend, IN 12/12 - Munhall, PA 12/14 - Buffalo, NY 1/23 - Joliet, IL 1/24 - Effingham, IL 1/25 - Nashville, TN 2/20 - Springfield, MO 2/22 - Louisville, KY 2/26 - Ithaca, NY 2/27 - Reading, PA 2/28 - Glenside, PA 3/1 - New York, NY 3/20 - Jackson, MI 3/21 - Rockford, IL 3/22 - Cedar Rapids, IA 3/27 - Columbia, MO 3/28 - Fayetteville, AR 3/29 - Little Rock, AR 4/10 - Stockton, CA 4/11 - Anaheim, CA 4/12 - Thousand Oaks, CA 4/17 - Tucson, AZ 4/18 - Houston, TX 5/2 - Fort Worth, TX 5/3 - Amarillo, TX 5/14 - Wilmington, NC 5/15 - Evans, GA 5/16 - Durham, NC 5/29 - Jacksonville, FL 5/30 - Asheville, NC 5/31 - Columbia, SC 6/4 - Mobile, AL 6/5 - Florence, AL 6/6 - Duluth, GA ----- Catch the full video podcast on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and follow us on social media (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@netpositivepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠) for clips, bonus content, and updates throughout the week. ----- Email us at netpositive@johncristcomedy.com ----- FOLLOW JOHN ON: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ----- SUPPORT OUR SPONSORS AG1: Get a FREE gift with your first order at https://DrinkAG1.com/netpositive to get started with AG1's Next Gen and and notice the benefits for yourself. BRUNT: Go to http://bruntworkwear.com/ and use code NETPOSITIVE to get $10 OFF PONCHO: Go to https://ponchooutdoors.com/netpositive for $10 off and free shipping on your first order MIRACLE MADE: Save OVER 40% + 3 free towels with promo code NETPOSITIVE at https://trymiracle.com/NETPOSITIVE ----- PRODUCED BY: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Alex Lagos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Easton Smith / ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Lagos Creative⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 199: The Best Family Thanksgiving Getaways in the U.S. Hosts: Rob & Traci Release Date: November 2025 When you think Thanksgiving, you probably picture turkey, football, and the Macy's Parade—but what if your family celebrated somewhere new? In Episode 199, Rob and Traci explore America's best Thanksgiving destinations—from mountain towns and colonial villages to rivers lined with glowing holiday lights. Whether you want cozy, coastal, or full-on festive, this episode is stuffed with ideas for a holiday you'll truly be thankful for (and yes, the dad jokes are fully baked).

Support the sponsors to support the show! Eat smart at FactorMeals.com/soder50off and use code soder50off to get 50% off your first box, plus Free Breakfast for 1 Year. That's code soder50off at FactorMeals.com/soder50off for 50% off your first box, plus Free Breakfast for 1 Year. Get delicious, ready-to-eat meals delivered—with Factor. *Offer only valid for new Factor customers with code and qualifying auto-renewing subscription purchase. https://www.factor75.com/pages/podcast?c=SODER50OFF&mealsize=1-8&utm_source=podcast&utm_medium=cpm&utm_campaign=podcast50off&discount_comm_id=ae97cdba-b315-4752-8023-6a6a77bae942&utm_content=act_podcast_podcastads This month, don't wait to reach out. Whether you're checking in on a friend, or reaching out to a therapist yourself, Betterhelp makes it easier to take that first step.Our listeners get 10% off their first month at BetterHelp.com/Soder https://www.betterhelp.com/get-started/?go=true&slug=soder&utm_source=podcast&utm_campaign=1378&utm_term=soder&promo_code=soder&landing_page_img=https%3A%2F%2Fd3ez4in977nymc.cloudfront.net%2Faffiliate_images%2Fc8f1e33eccfdd97908db536def2e7dbd2d9ae59240ff77c0f1ee89f46ed7f544.png&aff_channel=podcast&discount_rate=10&discount_period=P1M&date_interval=P1M&percentage_off=10&amount=1&amount_spelled_out=one&unit=month&gor=start Get $10 Off @BRUNT with code SODER at https://www.bruntworkwear.com/SODER #BRUNTpod https://bruntworkwear.com/?utm_source=podcast&utm_medium=influencer&utm_campaign=SODER The Golden Retriever of Comedy Tour is coming to your city! Get tickets at https://www.dansoder.com/tour NOV 7 San Antonio, TX NOV 8 Austin, TX NOV 13 Iowa City, IA Nov 14 Minneapolis, MN NOV 15 Madison, WI NOV 21 Kansas City, MO NOV 22 St. Louis, MO DEC 5 Vancouver, BC DEC 6 Eugene, OR DEC 12 Columbus, OH DEC 13 Royal Oak, MI Follow Mike Lawrence  https://www.instagram.com/mikelawrencecomedy/?hl=en https://www.youtube.com/playlist?list=PLZAW5O34Qidad_C7WJqKGAa620-FRTYyU PLEASE Drop us a rating on iTunes and subscribe to the show to help us grow. https://podcasts.apple.com/us/podcast/soder/id1716617572 Connect with DAN Twitter: https://Twitter.com/dansoder Instagram: https://www.instagram.com/dansoder Tiktok: https://www.tiktok.com/@dansodercomedy Facebook: https://www.facebook.com/dansoder Youtube: http://www.youtube.com/@dansoder.comedy #dansoder #standup #comedy #entertainment #podcast Produced by  Mike Lavin      https://www.instagram.com/thehomelesspimp/?hl=en

In this episode the hosts critique a $4.28 million asking price for a Signal Security Franchise business in San Antonio earning ~$773K revenue—arguing it's overpriced, under‑differentiated and risky.Business Listing – https://www.bizbuysell.com/business-opportunity/san-antonio-tx-highly-profitable-security-business-for-sale/2350661/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

In June 1964, a Fort Bend County farmer discovered a headless, handless torso in a roadside ditch — a killing so cleanly done that investigators said only someone trained in anatomy could have done it. Sheriff “Tiny” Gaston and the Texas Rangers searched for weeks, but the victim was never identified. Then, just months later, another scene shocked Texas — Room 636 of San Antonio's Sheraton Gunter Hotel, where blood coated the walls and floor but no body was found. The man who'd checked in under a false name vanished, only to turn up two days later dead by suicide in another downtown hotel. His name was Walter Audley Emerick — a drifter, forger, and former airman who may have been responsible for far more than the crime in that room.From the rice fields of Fort Bend County to the marble halls of the Gunter, this episode follows the grim trail of the 1960s Texas torso murders and asks whether the mystery that began in the Rio Grande ended that night with a .22 in Room 536 — or if the real killer was still out there.If you have any information about the Fort Bend Torso Case of 1964, please contact the Sheriff's Office there at (281) 341-4665.If you have any information about Walter Audley Emerick or his victim, please contact the San Antonio Police at (210) 207-7635.Sources: The Houston Post, The Houston Chronicle, The San Antonio Express-News, thegunterhotel.com, historichotels.orgYou can support gone cold and listen to the show ad-free at https://patreon.com/gonecoldpodcastFind us at https://www.gonecold.comFor Gone Cold merch, visit https://gonecold.dashery.comFollow gone cold on Facebook, Instagram, Threads, TikTok, YouTube, and X. Search @gonecoldpodcast at all or just click https://linknbio.com/gonecoldpodcast #SanAntonio #FortBendCounty #TX #Texas #TrueCrime #TexasTrueCrime #ColdCase #TrueCrimePodcast #Podcast #ColdCase #Unsolved #Murder #UnsolvedMurder #UnsolvedMysteries #Homicide #CrimeStories #PodcastRecommendations #CrimeJunkie #MysteryPodcast #TrueCrimeObsessed #CrimeDocs #InvestigationDiscovery #PodcastAddict #TrueCrimeFan #CriminalJustice #ForensicFilesBecome a supporter of this podcast: https://www.spreaker.com/podcast/gone-cold-texas-true-crime--3203003/support.

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 introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 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— text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education,   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors 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 I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018   Keith Weinhold  1:51   Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to   Keith Weinhold  2:01   Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around.    Keith Weinhold  4:45   And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom.    Keith Weinhold  6:22   Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner.   Keith Weinhold  6:49   5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015   Keith Weinhold  8:09   But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue   Keith Weinhold  10:41   the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14%   Keith Weinhold  11:17   next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting.    Keith Weinhold  12:13   Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29%   Keith Weinhold  12:43   and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29%   Keith Weinhold  13:09   the numbers don't lie. They just don't get enough attention on CNBC.   Keith Weinhold  13:16   Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here.    Keith Weinhold  14:16   Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something.    Keith Weinhold  15:33   All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic.    Keith Weinhold  16:06   A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon.    Keith Weinhold  17:44   Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in.    Keith Weinhold  18:21   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 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:32   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 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 Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com   Kathy Fettke  20:05   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  20:14   I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show.    Adam Schroeder  20:48   Thanks for having me on. I really appreciate it.    Keith Weinhold  20:50   Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape?   Adam Schroeder  21:30    Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market.    Keith Weinhold  23:55   It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs?    Adam Schroeder  24:55   We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC.   Keith Weinhold  26:17   Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type.    Adam Schroeder  26:30   A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can.    Keith Weinhold  28:53   There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties.    Adam Schroeder  29:20   Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there.    Keith Weinhold  30:20   Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of.    Adam Schroeder  31:09   Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life.    Keith Weinhold  32:16   Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam.   Adam Schroeder  33:29    one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050    Keith Weinhold  34:55   everyone's asking, when is it going to pass? California is the most populous state in the nation.    Adam Schroeder  35:01   Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are.    Keith Weinhold  36:46   100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive.    Adam Schroeder  37:18   Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again   Keith Weinhold  37:42   right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam   Adam Schroeder  38:51   yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it.    Keith Weinhold  39:41   This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week.   Keith Weinhold  40:00   Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there   Keith Weinhold  41:42   if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  43:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  43:45   The preceding program was brought to you by your home for wealth building, getricheducation.com