Podcasts about Single

Read my new book, "The Price of Becoming." www.LearningLeader.com/Becoming This is brought to you by Insight Global. If you need to hire one person, hire a team of people, or transform your business through Talent or Technical Services, Insight Global's team of 30,000 people around the world has the hustle and grit to deliver. My Guest: Scott Harrison is the founder and CEO of charity: water, a non-profit that has raised over a billion dollars and funded tens of thousands of water projects to bring safe drinking water to millions. He previously spent a decade as a New York City nightclub promoter before a dramatic career shift led him into humanitarian work. Key Learnings Scott started a charity: water with $20 from a birthday party. Then $15,000... Twenty years later: over a billion dollars raised, 21 million people served. He says it should be 10 to 100 times more. The cure for water already exists. We're looking for water on Mars while 700 million people drink dirty water on Earth. We solved this hundreds of years ago. We just haven't implemented it. 25% of the money sitting in American donor-advised funds would give every human on Earth clean water. That's parked philanthropic capital. Already tax-benefited. Just waiting. The goal is always 10X what you're doing. If we raised a million last year, we want ten this year. If we raise $100 million, we should raise a billion. The opportunity is always orders of magnitude larger than the moment. Show, don't bullet. Scott shows 210 photos in a 45-minute keynote. No PowerPoint. Single images. A story unfolds frame by frame. Be early to the technology. First charity on Instagram. First to hit a million Twitter followers. First to use VR. The question is always the same: how does this new thing further the mission? The 100% model: solve for the cynic.  Public donations go to one bank account that funds only water projects. Overhead is raised separately from entrepreneurs and business leaders. Then track every donation to a specific village. Don't be mid. Scott's 11-year-old daughter says nobody wants to be mid. Excellence is a core value. There's a lot of mid out there. Design everything. The fact cover sheet. The PowerPoint. The website. The package. "We're always dating." If the message comes in an ugly package, you're at a disadvantage before you start. Treat the donor like a Michelin three-star guest. If a restaurant can think that carefully about a meal, you can think that carefully about a donor who can save a million lives. The Goldman Sachs partner who changed Scott's paradigm. Before making an eight-figure ask, Scott asked a partner: "How does it feel when people ask for a lot more than you expected?" The expected answer was irritated, offended, put off. The actual answer: "I feel flattered that they think I would be that generous." People are generous. The well is there. You just have to drill deep enough. Scott has spent 20 years asking for too little. That might be his next obsession. People give to people, not causes. A dynamic leader who transfers their enthusiasm gets the donation. The cause doesn't. Most of the donations Scott and his wife give are to people, not topics they were already passionate about. Talk 10% of the time. When Scott meets a donor for the first time, he wants to know their whole life story. Their marriage. Their kids. What they wanted to be when they grew up. Be genuinely curious or don't bother. Hire for integrity, humility, curiosity, and energy... 16,000 applicants for 36 roles last year. Energy matters most. Someone who can get you fired up about pickleball, Patagonia, or a new running shoe is exactly who you want on the executive team. The dinner test for hiring: Can you imagine having this person at your home for two hours at dinner? And wanting to keep them for another hour? Get the whole life story. Scott wants the arc from the beginning to the present in an interview. If someone can't tell their own story coherently, they probably don't know themselves yet. The 11-year-old with the piggy bank. He told his parents he was going to fund a whole village. They told him to set a realistic goal. He went knocking on doors. He came back with $10,000. Scott's experience lab in Nashville. A 60-minute immersive tour. A 100-degree room with a treadmill where you carry a 40-pound water vessel. Microscopes that show you parasites. A VR film that ends in celebration. The "give shop," not the gift shop. 53% of visitors donate. 10,000 visitors. $3.9 million raised in year one. Scott's champagne moment: a single billionaire who picks water. The water sector doesn't have one. Republicans and Democrats agree on it. Atheists and people of faith agree on it. Everyone has to drink. Reflection Questions What is the 10X version of your current goal? Where are you asking for too little because the smaller ask felt safer? Who in your work or life is the Michelin three-star guest, the customer, donor, or partner who deserves your most thoughtful experience design?  When was the last time you went 10% talking, 90% genuinely curious about someone else's story?  More Learning:  #290: Scott Harrison – Redemption, Compassion, & The Transformative Power Within Us #680: Scott Galloway - Don't Follow Your Passion, Follow Your Talent #682: Will Guidara - Adversity is a Terrible Thing to WasteAudio Chapters 00:00 The Price of Becoming - Pre-Order Now! 01:18 Welcome Back, Scott Harrison 02:56 From a $20 Bill to Over $1 Billion Raised 04:59 Why the Goal Should Always Be 10X (or 100X) 07:54 Storytelling: How to Get People to Care About a Problem They Don't Feel 10:30 Being Early to Instagram, Twitter, and VR 16:10 Radical Transparency: The Bank Account That Built Trust 19:51 The Beauty of a Healthy Obsession 21:22 Drilling Deep for the Artesian Wells of Generosity 25:04 What It Feels Like in the Room When Generosity Breaks Through 27:01 "Nobody Wants to Be Mid." 30:56 Design Everything: We're Always Dating 32:13 Treat Your Donor Like a Michelin Three-Star Guest 35:39 Selling With Integrity: Talk 10%, Listen 90% 39:15 16,000 Applicants for 36 Jobs: What Scott Looks For 43:12 The Power of Vulnerability in Hiring 45:39 Inside the Nashville Experience Lab 50:34 The Champagne Question: A Billion-Dollar Vision 52:10 The 11-Year-Old Who Raised $10,000 Door-to-Door 54:25 EOPC  

On this episode we talk about how dating has become focused on personal happiness instead of long term relationship success.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears.

Nora and Nathan break down the third studio album from Olivia Rodrigo, 'You Seem Prrety Sad for a Girl So in Love.' They talk about why this record represents such a pivotal moment in her career (1:00), the heavy 80's and 90's rock influences that are present throughout (33:36), and what songs represent evolvement for Rodrigo versus ones that feel like a retrace of her older catalog (59:39). Hosts: Nora Princiotti and Nathan Hubbard Producer: Kaya McMullen Learn more about your ad choices. Visit podcastchoices.com/adchoices

Waiting out another gale, Trying to get to Greenland, An interview with Jerome Rand. Checkout Jerome's podcast - Sailing into Oblivion 

#947 What if raising your test score could completely change your life — and lead to a multimillion-dollar business deal with Mark Cuban? In this episode, host Brien Gearin sits down with Dr. Shaan Patel, founder and CEO of Prep Expert, the test prep company that's helped over 100,000 students earn more than $100 million in scholarships. Dr. Patel shares how he turned his own SAT score improvement from average to perfect into a multimillion-dollar business — all while completing medical school and residency. He opens up about landing a deal with Mark Cuban on Shark Tank, scaling Prep Expert from a local class in Las Vegas to a nationwide online platform, and how he's now leveraging AI tutoring technology to revolutionize test prep. This episode is packed with lessons on perseverance, proof of concept, and building authority that opens unexpected doors! (Original Air Date - 10/14/25) What we discuss with Shaan: + Turning a low SAT score into success + Founding Prep Expert from a rejected book idea + Growing from local classes to nationwide reach + Balancing med school with entrepreneurship + Winning a deal with Mark Cuban on Shark Tank + Scaling through word-of-mouth and online marketing + Transitioning from in-person to digital learning + Developing an AI-powered tutoring platform + Pricing based on value, not competitors + Lessons in proof, perseverance, and authority-building Thank you, Shaan! Check out Prep Expert at ⁠PrepExpert.com⁠. Follow Shaan on ⁠Instagram⁠ and ⁠LinkedIn⁠. Watch the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠video podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Subscribe to the show and get weekly tips from Tanya on how to grow, scale and diversify your online business. What if your next big online business win wasn't hiding in a cold audience or a new ad campaign, but sitting right inside your existing customer base? In this episode I'm pulling back the curtain on how we generated $116K in just 30 days with zero new customers, zero paid ads, and only three emails. I'm breaking down the exact framework we used to create a high value offer our existing customers couldn't say no to, and how you can use this same strategy to make more money in your online business without working harder than you already are. This one is going to change how you think about growth. GET MY DIGITAL PRODUCT AI COACH FOR FREE | https://www.tanyaaliza.com/coachie START HERE | Learn more about the different ways Tanya can help you in your business. Whether it's starting an online business or growing the one you have: https://www.tanyaaliza.com DIGITAL CREATOR STUDIO | My All-In-One Marketing System To Grow Your Audience, Build Your Email List, Build Amazing Marketing Funnels, Attract Perfect Leads & Sell Digital Products, While Building A Multi-Income Stream Online Brand. https://digitalcreatorstudio.com MY FAVORITES | My personal camera and video gear, my health, wellness and beauty products, my favorite books and more:  https://tanyaaliza.com/amazon  CONNECT ON INSTAGRAM: http://Instagram.com/tanyaaliza  SUBSCRIBE & WATCH ON YOUTUBE: https://www.youtube.com/TanyaAlizaTV?sub_confirmation=1    CAN I FEATURE YOU? Rate and review the show and tag me on social (@tanyaaliza)... I feature a new member of the community each week on my Social Media Platforms. The reviews help us and I'd love to feature you for taking the time to share your feedback. Disclaimers: The discussions and opinions expressed on this podcast are intended for informational and educational purposes only. Results from the strategies or products mentioned can vary and are not guaranteed. Some of the links provided are affiliate links, meaning at no additional cost to you, we may earn a commission if you click through and make a purchase. Always conduct your own due diligence before making any financial decisions.    

Episode 1370: Chris Reeves joins Paul and Kyle and gets a rousing introduction, but then talk about a $1M donation from a dealer group. The Gettel Family Foundation is investing $1 million ( https://www.linkedin.com/posts/gettel-family-foundation-commi...

Former Eagle Don Felder joined us to talk: -Hotel California (he co-wrote) "It's the one spot in the show where I cannot make a single one-note mistake!" -He had someone in Malibu play the demo of Hotel California over the phone so they could replicate it in Miami -What was the secret to making the Eagles chemistry work  -Who wrote the lyrics "On a dark desert highway...Cool wind in my hair" To subscribe to The Pete McMurray Show Podcast just click here

Learn how to shift your vibe and quickly attract the right person for you (even if you're newly single or haven't dated successfully in years) in this episode with Kelly Ann Garnett.     If you'd like some support around your personal situation, here's where you can book a FREE one-hour session with Kelly: https://calendly.com/sacreddating/freedatingplansession-helenahart     If you want to learn the secrets to attracting the man you want and inspiring his love, devotion and commitment, get my FREE "3 Keys To Attract The Man You Want" report and audio training here: http://helenahartcoaching.com/     Ever wonder why a guy pulls away even when he was interested and attracted to you at first? It's not you - it's something I call "The Heartbreak Treadmill." Discover how to stop this painful cycle, and what to do instead to bring a man closer than ever here: https://helenahart--mcoast.thrivecart.com/feminine/     Check out my eBooks and Programs here: http://helenahartcoaching.com/ebooks/     Here are the biggest Connection Barriers that push a man away (PLUS how to make him come back and want to stay forever): http://forever1234.com/     While I don't personally conduct one-on-one counseling, I'm sponsored by a company that can meet such a need if you'd like to get online therapy from a licensed professional (I've worked with a therapist from BetterHelp myself and it was absolutely life-changing!). You can get a discount through my exclusive invitation here: https://betterhelp.com/helenahart/     Subscribe to my YouTube channel: https://www.youtube.com/c/HelenaHartCoaching/     Connect with me on Facebook: https://www.facebook.com/helena.hart.10     Follow me on Instagram: https://www.instagram.com/helenahartcoaching/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dial tal cual (Tramo de 12:00 a 13:00)

You ready for some good juju? This week, iconic drag queen Jujubee (Drag Race, Stop! That! Train!) joins Nicole to talk about the power of self-love and why she's officially stopped looking for a relationship. Nicole pays tribute to her first dog, Charlie, and the two discuss why the true soulmates are actually the animals in our life. Jujubee shares her philosophy on why love never dies, and opens up about the clarity she's found from being 9 years sober. She shares her best advice on having the ultimate solo date, and the two Delta Diamond Divas share their travel tips.Go see Stop! That! Train! in theatres today. Check out Jujubee's latest EP, MESS FOR YOU.Support this podcast by checking out our sponsors:• Jones Road Beauty: Use code DATEME at jonesroadbeauty.com to get a Free Gift with your first purchase! #JonesRoadBeauty #ad• Warby Parker: Our listeners can buy one prescription pair and get 20% off any additional pairs at WarbyParker.com/DATEME — and using our link helps support the show. #WarbyParker #ad• Squarespace: Head to squarespace.com/DATEME to save 10% off your first purchase of a website or domain using code DATEME.• Wayfair: Patio season is here and these deals won't last! Head to Wayfair.com right now to get your outdoor space ready for way less.Follow:All Links: linktr.ee/whywontyoudatemeTour Dates: linktr.ee/nicolebyerwastakenYouTube: @WhyWontYouDateMePodcastTikTok: @whywontyoudatemepod Instagram: @nicolebyerX: @nicolebyerThis is a Headgum podcast. Advertise on Why Won't You Date Me? via Gumball.fm.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Sonia Balfour Fears.

Every first Friday of the month, Kurt Francom hosts Zion Lab Live, where we review the latest happenings and conversations taking place in Zion Lab and across our online community. Kurt highlights key posts, trending discussions, and new podcast episodes—offering insights, context, and opportunities for deeper engagement. Jump into Zion Lab: https://app.leadingsaints.org/ In this episode, Kurt and livestream guests discuss the challenges faced by young married adults in the Church, particularly their faith and social dynamics. The conversation also touches on Mother’s Day experiences and the importance of intellectual engagement in church settings. Links & Resources

The robotics industry is quietly emerging as one of the most undervalued opportunities for real estate investors today. While mainstream attention focuses heavily on software and AI, physical automation is simultaneously transforming how assets are constructed and operated. The global robotics market currently sits at roughly $70 billion and is projected by McKinsey to cross $260 billion by 2030. This exponential growth mirrors the e-commerce warehouse boom of 2010, offering massive upside for investors positioned ahead of the curve.In this episode, we break down the two primary avenues robotics will impact real estate: significantly lowering hard construction costs and drastically reducing ongoing operational expenses. From 3D-printed homes by ICON cutting building costs by 20% to 30%, to humanoid robots reducing hospitality labor expenses by up to 35%, the financial implications are profound. Listeners will learn exactly how to capitalize on this shift, including specific publicly traded companies, REITs, and upcoming IPOs directly exposed to real estate automation.Key Topics DiscussedThe current $70 billion valuation of the robotics industry and projections reaching $260 billion by 2030.How ICON Technology's 3D-printed homes are decreasing traditional stick frame construction costs by 20% to 30%.The impact of autonomous rebar-tying robots reducing structural labor needs by 40%.Keen Robotics and Figure AI streamlining commercial facility management and cutting hospitality labor costs.Why Prologis is capturing a 200 basis point occupancy premium for robotics-enabled industrial facilities.Specific actionable investment vehicles including REITs, automation infrastructure stocks, and upcoming AI IPOs.Key TakeawaysA 30% reduction in labor costs for a standard 200-room hotel can translate to over $11 million in added asset value based on standard cap rates.Investors who target companies building durable competitive advantages through robotics integration will secure a significant economic moat.Industrial REITs are already proving that commercial tenants are willing to pay a premium to occupy tech-forward, automation-ready buildings.The entire global robotics sector is currently valued lower than Home Depot's market cap, highlighting the immense remaining upside.Connect & Take Action:Wealth Intelligence Brief: Text "WIB" to 844-447-1555 to get Matty's free macro data, real estate intel, and crypto signals delivered to your inbox 3 times a week.Imagos Income Fund: Text "INCOME" or "DEALS" to 844-447-1555 to learn more about Matty A's private debt fund targeting 10% fixed returns paid out monthly.

You do all of it because that's what a good mom does. The schedule, the meals, the work, the everything. But somewhere between holding it all and doing it right, the enjoying part quietly disappeared.This episode gives you a 3-part model that frees up real hours in your week without dropping a single ball. Not another productivity hack. A different way of deciding what's actually yours to carry.Cherylanne Skolnicki left a 15-year executive career at Procter and Gamble after realizing she was climbing a ladder leaning against the wrong wall. She's spent the last 14 years teaching thousands of high-achieving women how to play big at work and at home while protecting time for themselves. In this conversation, she hands over the playbook.What You'll LearnThe 3-part model for freeing up hours this weekThe Goldilocks job trap: why the perks are keeping you stuckWhy balance is not a pie chart - the reframe that makes it actually achievableWhy staying locked in your masculine energy is exhausting youThe household shift that ends the asking-for-help cycle foreverResources MentionedThe Momentum Playbook (free): https://brilliant-balance.com/momentumFind Cherylanne on IG: @cskolnicki @brilliant_balanceMichelle's episode on the Brilliant Balance podcast--Join The Capacity Method (we start June 15th!) -> Check it out HERE--

Single Central Cases present a unique challenge in that they have to match. We talk about how dentists can handle single central cases with confidence, specific techniques our lab uses to nail the shade, texture, halos, etc, and a ton of other nuggets. Enjoy the episode!Connect with KJ by emailing kj@nuartdental.comConnect with Frank by emailing frank@nuartdental.comLearn how dentists can get a brand new Lumina Scanner for FREE via the Denbright Scanner Program 2.0. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apply⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your Lumina scanner before it's too late, these will go fast! https://denbright.com/scanner-applyLadies & Gentlemen, you are listening to "Confessions From A Dental Lab" and we're happy you're here.Subscribe today and tell a friend so we can all get 1% better :)Follow KJ & NuArt on Instagram: @lifeatnuartdentalFollow Frank on Instagram: @frank_nuartdentalLearn more about the lab at https://www.nuartdental.com

There's a particular kind of trader Agnieszka Wood keeps meeting, and for years she was that trader herself. This is someone who has done the work — taken the courses, read the books, and can explain risk management so clearly you'd assume they taught it for a living — and who then sits down at their own screen and exits a winner too early out of fear, or breaks the exact rule they reviewed in their journal that very morning. The knowledge is genuinely there, which is what makes the question that follows so confusing: I know better than this, so why did I just do that? In Episode 82, Agnieszka sits inside that gap between knowing and doing, and looks at why reaching for the old high-achiever's move — learn more, study harder, add more rules — never seems to close it. Drawing on her own years in NLP and performance psychology, and on what she's watched genuinely change the traders she works with, she explores why what a trader knows and what a trader does under pressure are run by two very different parts of them, and why the real shift happens in a place most traders have never been told to look. It's a grounded, compassionate episode for anyone who has ever known exactly what to do at the desk and watched themselves do the opposite anyway.   About Agnieszka Wood Founder and CEO of Ahead Coach, Trading Mindset Coach and Trader Agnieszka Wood, is a passionate and accomplished day trader with over a decade of hands-on experience in the financial markets. Coming originally from Poland but having spent most of her life abroad, notably in the Netherlands and the United States, Agnieszka brings a diverse perspective to her work. Her journey is marked by conquering challenges, a deep passion for self-development, a commitment to unlocking her full potential, and a relentless pursuit of excellence. Since 2019, Agnieszka has taken on the role of Founder and CEO of Ahead Coach, a coaching platform where she conducts her transformative work as a Trading Mindset Coach. Through Ahead Coach, she offers coaching programs for traders that draw on her extensive 20+ year background in Neuro Linguistic Programming (NLP), life coaching and her own experience in trading. Her holistic approach is designed to empower individuals not only in their trading endeavors but also in all aspects of life. Agnieszka's influence extends beyond her coaching practice. She is a respected speaker at various trading events, where she shares her insights and knowledge with fellow traders and enthusiasts. In the trading education industry, she is known for her expertise in mindset coaching, helping traders overcome psychological barriers and build consistency. Passionate about guiding individuals towards tangible results, Agnieszka thrives on taking on new initiatives and projects that promote personal growth. Her multifaceted expertise, unwavering dedication, and holistic approach make her a trusted coach for those seeking transformation and success. Click here to explore different ways we can work together. ____________________________________✉ Contact me: launchyourlife@aheadcoach.com____________________________________▶️ My website: https://www.aheadcoach.com/▶️ X: https://x.com/Ahead_Coach▶️ Instagram: https://www.instagram.com/ahead.coach/▶️ Facebook: https://www.facebook.com/agnieszkawoodpage/

Dale Jackson interviews candidate for US Senate in Alabama, Jared Hudson.See omnystudio.com/listener for privacy information.

Beth breaks down the AI data center explosion hitting America right now - 3,400 announced, 781 under construction, each one a gigawatt heat machine dumping 1.4 Hiroshima bombs worth of waste heat into local environments daily. She maps the power grab, the water crisis, the noise plague, the eminent domain land grabs, and why this might be the the making of a digital grid prison - all while tracing NIMBY back to its origin in York, England 1880.

Its time to return to Earth-167! Which you would obviously know as the universe of Smallville, the smash hit ten season long Superman original series that managed to introduce EVERY. SINGLE. DC. CHARACTER. before Clark Kent decides to put on the suit. This time we're going to be covering the storyline of Kara Zor-El aka Supergirl as played by Laura Vandervoort introduced in Season 7. And we've discovered so much more about this show including how many character get clones or are clones (it's a lot which is exciting). Thanks for watching our Caravan Of Garbage reviewSUBSCRIBE HERE ►► http://goo.gl/pQ39jNHelp support the show and get early episodes ► https://bigsandwich.co/Patreon ► https://patreon.com/mrsundaymoviesJames' Twitter ► http://twitter.com/mrsundaymoviesMaso's Twitter ► http://twitter.com/wikipediabrownPatreon ► https://patreon.com/mrsundaymoviesT-Shirts/Merch ► https://www.teepublic.com/stores/mr-sunday-movies The Weekly Planet iTunes ► https://itunes.apple.com/us/podcast/the-weekly-planet/id718158767?mt=2&ign-mpt=uo%3D4 The Weekly Planet Direct Download ► https://play.acast.com/s/theweeklyplanetAmazon Affiliate Link ► https://amzn.to/2nc12P4 Hosted on Acast. See acast.com/privacy for more information.

Hannah Berner is back and somehow we go from broken hands to broken men in record time. Hannah and Violet get into people-pleasing, dating addicts, dating sober men, falling in love with potential, and the embarrassing things we do when we're convinced a situationship is going somewhere. Plus: Hannah's skiing disaster, why crushes are sometimes better in your head, and several reasons neither of them should be trusted when they have a crush.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This is it… the final Dive Driven by Kia episode before Spring Finals, and BOY is there a lot to unpack! First up: the highly anticipated Kia MVP reveal! Our hosts discuss the winner, the runners-up, and take a look at how the voting unfolded. What set the MVP apart from the rest of the players, and just how close was the race?If you've been keeping up with the latest champion announcement, then you've already heard about Locke, our favorite Ashen Exorcist. Meteos gave us a closer look at some of Locke's abilities, but there's even more to come! Next week, we'll be joined by a member of Locke's development team, who will provide deeper insight into his design and how he could impact both solo queue and professional play.Next, our hosts broke down Week 3 of Playoffs. The Fearless format continues to prove that success at the highest level requires more than just mechanical skills on the Rift. TLAW came in with a smart draft strategy, targeting Gryffinn's top picks and forcing FlyQuest into some questionable compositions. Fans also got to see how the legacy C9 roster fared against a later season LYON squad. The LYON players might be apex predators, but is there something else shaking C9's when the stakes are highest? And how will they show up when they face TLAW in Arizona?With Spring Finals just days away, now is the time to secure your seat at ASU's Mullett Arena. Don't miss your chance to witness the battle for North American dominance. Single-day and weekend tickets are still available, and be sure to check out the Spring Finals Fan Guide before heading to the event. Click the links below, and we'll see you there! https://lolesports.com/en-US/news/fans-guide-to-the-lcs-spring-finalsTimestamps:0:00 - Intro1:04 - On Locke8:09 - Kia MVP Reveal 21:40 - FLY vs TLAW Recap 44:50 - C9 vs LYON Recap 1:14:12 - Finals Lookahead1:32:10 - Grand Finals Predictions

We got Bolten in the house. We gotta have a chat before he moves on to new adventures in his life. It's not everyday we get to sit aand chat so why not?E-Zonehttp://flavorsbyezone.comXGhttp://fullytoxic.comNitty Sakhttp://www.instagram.com/nittysak

If your agency receives grant funding, chances are you've been asked to share said organization's most recent annual audit. And if enough federal funds are involved, a single audit may be necessary.  Let's dive into the reason for each to ensure you're meeting funder (and other) requirements.   JOIN THE FUNDRAISING HAYDAY COMMUNITY: Become a member of the Patreon   CHECK OUT TODAY'S SPONSOR: GrantGuru Use discount code HAYDAY963 for 20% off your subscription   SHOW NOTES: S2, E10 Podcast Episode: I Survived an OIG Audit & Lived to Tell the Tale - HayDay Services   Uniform Guidance Audit Section eCFR :: 2 CFR Part 200 Subpart F -- Audit Requirements

What do single women really wish men understood about dating—but rarely get asked directly?In Part 2 of our Single Women's Panel, the conversation gets even more honest. This time, men get to call in and ask the questions they're usually too scared, hesitant, or unsure to ask women face-to-face.Christian is joined by three single women representing different seasons of life—in their 20s, 30s, and 40s—for a raw, thoughtful, and faith-filled conversation about dating, relationships, pursuit, communication, expectations, and what women are truly experiencing in today's relationship culture.From what makes a woman feel pursued to what men misunderstand about singleness, standards, emotional maturity, and readiness for marriage, these women share their real reflections with honesty, grace, and vulnerability.Special deal: Head to https://perelel.yt.link/XvgmlLV and use CHRISTIAN20 for 20% off your Perelel routine.Pray while you wait with Future Husband, Present Prayers and trust God with your love story with the Dear Future Husband Prayer Journal. Discover both at www.christianbevere.com.

On this week's episode of The Smartest Girl Podcast, Jason and Nivine dive into the biggest dating mistakes men and women make, the relationship advice they completely disagree with, and the red flags most people ignore until it's too late. They debate why women sometimes fall in love with potential instead of reality, why men often put more effort into getting a relationship than keeping one, and whether the popular advice "you need to love yourself before someone can love you" is actually true. Plus, Jason and Nivine reveal the red flags they know they have, what would make them undateable, and what they'd absolutely hate about dating themselves. They also answer listener questions including: • Is it normal for a married couple to go 8 months without sex? • Should you spend money on a big wedding or save for a house? • "My partner says I nag. I say he never listens. Who's right?" • How do you stop comparing everyone to your ex? If you're dating, married, single, or trying to figure out modern relationships, this episode is packed with honest opinions, hot takes, and relationship advice you probably won't hear anywhere else. datingadvice #relationships #marriage #dating #podcast #relationshippodcast #love #redflags #datingtips #relationshipadvice #modernrelationships #singlelife #marriedlife #couples Learn more about your ad choices. Visit megaphone.fm/adchoices

As Modi becomes India's longest-serving continuously elected Prime Minister, #CutTheClutter looks at where BJP stands, with 17 CMs and what it did to reach this place. ThePrint Editor-In-Chief Shekhar Gupta explains how BJP turning India into a single-party state. The episode also looks at how numbers stack up in both Houses of Parliament.

This week on State of the Second, John and Kailey sit down with Tim and Michelle from Patch Ops share how a small side hustle grew into a successful brand. From Marine Corps roots and entrepreneurial risk-taking to building a loyal community and staying true to their values, this is the story behind one of the most recognizable names in the patch world. ----------------------- Special thanks to our sponsor for supporting this season! Ammo Squared -The smarter way to stockpile ammo, one round at a time. Start your ammo savings todayPatriot Mobile – Get 1 month free with code “GOA” at checkout on their website!Right To Bear - Use code “GOA” for 15% off Life Membership

In this week's episode, Alice Xue introduces the “single-block form” in African music, and shows through 8 examples how repetition generates complexity, meaning, expressive power and participation.This episode was produced by Mark Micchelli along with Team Lead Caitlin Martinkus. Special thanks to peer reviewers Martin Scherzinger and John Heilig.SMT-Pod's theme music was written by Maria Tartaglia, with closing music by Yike Zhang. For supplementary materials on this episode and more information on our authors and composers, check out our website: https://smt-pod.org/episodes/

Many Christian singles wonder: Can a relationship work if you and your potential partner vote differently? Political differences in Christian dating have become one of the biggest challenges for believers seeking godly marriage. With heated elections, social media echo chambers, and cultural flashpoints, it's easy to feel like politics could derail God's will for your love life. The good news? Scripture offers clear wisdom. Unity in Christ transcends political parties, yet wisdom and discernment remain essential when considering a lifelong […] The post Political Differences in Christian Dating Relationships: Can Love Survive Different Views? appeared first on Christian Singles Advice | Christian Dating Advice Tips. Related posts: Dating People From Different Political Views How Christian Singles Can Remain Loving and Peaceful Amidst Political Polemics Marrying Someone With Different Political Views Navigating Cultural Differences in Intercultural Christian Dating Understanding the Five Love Languages in Christian Relationships

Stray Kids' Han to release self-produced digital single ‘Back to Life'

Every year, tens of millions of people in the U.S. get the flu vaccine. That's because the virus changes year-to-year and protection only lasts around six months. Adolfo Garcia-Sastre wants to change that. He's one scientist working on a universal flu vaccine that could provide decades of protection against all flu illnesses – but only if his team can find the resources that disappeared when U.S. funding dipped.If you liked this episode, listen to our episode on a vaccine trial that could end HIV.Interested in more medical innovations? Email us your question at shortwave@npr.org.Listen to every episode of Short Wave sponsor-free and support our work at NPR by signing up for Short Wave+ at plus.npr.org/shortwave.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

This week, Paul argues that the one word that best summarizes the Bible is redemption—the story of God's rescuing, transforming, and restoring work through Jesus Christ, from Exodus to eternity.Join us for a weekly narration of Paul Tripp's popular devotional. You can subscribe to our email list to receive this devotional straight to your inbox each week, or read online at PaulTripp.com/Wednesday or on Facebook, Instagram, and the Paul Tripp App.If you've been enjoying the Wednesday's Word podcast, please leave us a review! Each review helps us reach more people with the transforming power of Jesus Christ.

(00:00-28:12) Martin's back and feeling much better. But more importantly, where's Tim?!?! We can't all be the Iron Horse like Doug. Noot and Church lengthening that Cardinal lineup. Wonder Woman Truth Lasso. Do players still have curfews on the road? Throwing a no-hitter on LSD. Drug Church. Flying into Albany. Somewhere in between boiled chicken and oxtail soup. Beef tallow. Martin gets flustered around young boys.(28:20-1:01:52) Bottoms Up Blues Gang. Audio of Oli talking about the offense last night in the 7-0 win over the Mets. Next up Oli talking about May's stellar performance on the mound. Jackson's battling with his chair. Taking a little peek at the standings. Walker just keeps hitting. SIngle digits looks weird on a pitcher. Do baseball managers need to wear a uniform with a number? Jim Leyland wore spikes and burned heaters. Jackson's dangerous Tony take. We just have to take a break.(1:02:02-1:21:03) Martin's behind on on-boarding. A post gift card world. One man's opportunity is another man's blood clot. That's when Ken took hold. Game 4 tonight in NYC. Are the Spurs back in it? Courtside at MSG. Fat Joe. People want drops.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Martin's back and feeling much better. But more importantly, where's Tim?!?! We can't all be the Iron Horse like Doug. Noot and Church lengthening that Cardinal lineup. Wonder Woman Truth Lasso. Do players still have curfews on the road? Throwing a no-hitter on LSD. Drug Church. Flying into Albany. Somewhere in between boiled chicken and oxtail soup. Beef tallow. Martin gets flustered around young boys.Bottoms Up Blues Gang. Audio of Oli talking about the offense last night in the 7-0 win over the Mets. Next up Oli talking about May's stellar performance on the mound. Jackson's battling with his chair. Taking a little peek at the standings. Walker just keeps hitting. SIngle digits looks weird on a pitcher. Do baseball managers need to wear a uniform with a number? Jim Leyland wore spikes and burned heaters. Jackson's dangerous Tony take. We just have to take a break.Martin's behind on on-boarding. A post gift card world. One man's opportunity is another man's blood clot. That's when Ken took hold. Game 4 tonight in NYC. Are the Spurs back in it? Courtside at MSG. Fat Joe. People want drops.Innocent three-year old Papers going to Crown Candy. Coming down with a case of The Festus. JR was a treat yesterday. Jackson would rather live in the earth than live with a ferret. Eating gerbils in Ecuador. Raccoon for Thanksgiving. Corn nuts. Remove the scent glands. Walker still on pace for 41 homers. Tony wore 10 because he wanted to bring the 10th championship to STL. Leaders eat last.Doug's raccoon problem of years past. Jackson's down on the uniform matchup in the Stanley Cup Finals. Don't say spicy brown. Allegations that Jackson complains as much as Iggy. Chris in the 515 is back on the phone lines and he wants to suspend Doug. Chris did the tarps off thing and wants everyone else to partake. Breaking down the cost of Indiana Fever tickets. Ok, Chris, hit the hole please. We're no longer taking calls from Iowa.Chris in Des Moines has issued a statement. Cheap tickets for the Cardinals/Mets game in New York. Who plays first if Burly needs a rest? Did we have this MVP conversation yesterday?All square in the Stanley Cup Finals heading back to Carolina. Lots of goals being scored. Martin can't figure out how we're so far behind.Jackson's out Friday for an unnamed friend's wedding. Design Aire Heating & Cooling EMOTDThat preseason over/under on the Cardinals win total is looking pretty good. Audio of Matthew Liberatore talking about the camaraderie in the rotation this year. The Boi Network. College basketball talk.Is Jackson mailing it in today? Gun to your head, who you got tonight, Spurs or Knicks? Biggest brands in American pro sports. Mt. Rushmore of Knicks. Jordan Clarkson.We're back cold. Oli Marmol oh the Gashouse Gang talking about Victor Scott getting sent to Memphis. Joshua Baez just keeping hitting bombs.And the winner of the Design Aire Heating & Cooling EMOTD is…See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Being ignorant of the truth does not dismiss us from the consequences of truth. No one likes to hear the truth that confronts us, but ignorance of the truth is dangerous. Truth is what saves us.Have you been blessed by our podcast? Give and support this ministry at LivingRevelations.com/donationsGet God's Word and monthly encouragement to help you find God real in everyday life by subscribing to our email list: https://subscribepage.io/r5zbPPWant to join our Online Bible Studies? Visit livingrevelations.com/online-bible-studies/Order the Single but in a Relationship with God book here: https://amzn.to/3qdHNPxHave any questions, prayer requests, or testimonies? Email us at info@livingrevelations.com.REGISTER for the 2027 Created with Purpose Conference happening May 21-22, 2027: CWPurpose.comFollow us on Instagram: @livingrevelationsFollow us on Facebook: @livingrevelationsSubscribe on Youtube: @livingrevelationsSupport the show

Sami Clarke is back with her self-love and growth series for a Q+A straight from your questions — and she's going deep on the ones you've been sitting with. From navigating the single era in your 30s, to what it actually means to trust your intuition, to how to feel like yourself again when the sparkle feels far away.Tune in as Sami shares what this season of life has really looked like for her: the hard nights, the big realizations, the cry-on-the-couch-watching-Sex-and-the-City moments, and why she's genuinely excited about where she is. She gets into why feeling "behind" in life is a timeline someone else handed you, how your desires are never there by accident, and what it looks like to move your body in a way that actually responds to the season you're in. If you're doing the work on yourself right now and some days feel harder than others, this one is for you.Transform Instagram - click here!Sami Spalter Instagram - click here!Sami Clarke Instagram - click here!FORM Shop - click here!FORM Website - click here!Code TRANSFORM for 20% off an annual membership.This episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct, or indirect financial interest in products, or services referred to in this episode.This episode is brought to you by:Jolie: Try Jolie risk-free for 60 days by going to jolieskinco.com/TRANSFORMRitual: Save 25% on your first month at Ritual.com/TRANSFORMTheRealReal: Go to TheRealReal.com/transform and get $25 off your first purchase plus an extra $100 to shop when you sell for the first timeOllie: Ollie. Feed the obsession. Go to ollie.com/transform and use code transform to get 70% off your first box!BiOptimizers: Head to bioptimizers.com/samispalter and use my exclusive code SAMI to get 15% off any order. Osea: Get 10% off your first order sitewide with code TRANSFORM at oseamalibu.com Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ready for real change? Find free support today ▶ https://highnoon.org/ If life has felt heavy lately… If motivation feels low, bad habits keep winning, or everything feels like survival mode, this conversation is for you. In this solo episode, Andrew talks about something most people never think about: vitality. Because breaking free from porn, unhealthy habits, emotional numbness, or feeling stuck doesn't usually start with trying harder. It starts with learning how to feel alive again. Andrew shares why so many people feel depleted, how scrolling, isolation, and distraction quietly steal energy, and why gratitude, purpose, relationships, and intentional living matter more than we realize. What you'll hear in this episode: • Why bad habits often grow when life feels empty • The connection between vitality and sexual integrity • How scrolling, distraction, and isolation quietly drain energy • Why gratitude is more powerful than most people realize • How to build a life that actually feels meaningful • Practical ways to feel more alive again One of the biggest reminders? Healing isn't just about stopping destructive habits. Sometimes it starts with building a life that feels worth showing up for. If you've ever felt stuck, disconnected, overwhelmed, or trapped in cycles you can't seem to break, this episode is worth listening to. Ready to stop drifting and start building a life with purpose?

Doominal Crossing is back! After 2 weeks of moving into his new house, Doom returns to the Omega Metroid Podcast just in time to react to the latest Nintendo Direct with Andy. The gang catches up and goes over their thoughts on the direct, as well as all of the other showcases that took place over the week in what feels like the second coming of the Electronic Entertainment Expo. What announcements got us excited? Which ones went out with a whimper? Which ones made us go "huh?" Find out in today's episode! All of this plus some Knicks talk. Dive right in!   Visit OmegaMetroid.com! Subscribe! Podbean x iTunes x Spotify x YouTube Support us on Patreon! Omega Metroid Patreon Download the Omega Metroid Theme Song! Get the Single for Free on Bandcamp! Follow us! @OmegaMetroid x @Spiteri316 x @DoominalCross x @DakCity_ x Omega Metroid Team Member Starter Pack Chat with us in Discord! Omega Metroid Discord Advertise on the Omega Metroid Podcast!

Adeniyi Abiodun has been in crypto since 2012, built trading and risk systems at investment banks, and led R&D on Facebook's Project Libra at Meta before co-founding Mysten Labs. So when he says every other L1 has a "skill issue" baked in at architecture time, it's worth listening.David Sencil sits down with Adeniyi at Consensus 2026 to walk through how Sui solved horizontal-scale consensus, why a famous L1 founder said it was impossible, and what comes next — native stablecoins, private payments by default, Walrus storage, and the agentic payment rails Stripe is pricing at a billion TPS.We cover:- Why every other L1 is capped by a single CPU and Moore's Law- The Project Libra story — "way too early" and what survived into Sui- 300ms finality vs Solana's 12 seconds- SuiUSD: $63M in a month and a half, free stablecoin transfers- Protocol-level private stablecoin transactions launching this year- Walrus storage outgrowing Arweave in a year- Why "AI doesn't care about your tribe"Filmed at Consensus 2026.Host: David Sencil

Alex Newport in conversation with David Eastaugh  https://www.alexnewport.com/ https://fudgetunnel.bandcamp.com/music https://www.youtube.com/watch?v=tb232BkAe6A   Fudge Tunnel formed in 1989. They released their debut EP on Pigboy/Vinyl Solution in 1989, Fudge Tunnel. Although marketed as an EP, due to its short length, it was named "Single of the Week" in NME magazine in January 1990, with NME declaring "Absolutely and totally the best single ever to be released in 1990. Total nine guitar attack-rock". The band followed up with their second EP, The Sweet Sound of Excess, in 1990, again on Pigboy/Vinyl Solution. Fudge Tunnel also found support via DJ John Peel as they recorded a Peel Session in 1990. They then signed to Nottingham's Earache Records. Their full-length debut album was 1991's Hate Songs in E Minor, which attracted a large amount of press interest after the original album artwork was confiscated by the Nottingham Vice Squad

Let's talk about… a teacher getting 20 years in prison, why every high school bully grows up to either sell crypto or become a life coach, the scientific reason couples start looking related after 2 years together, Alex Cooper is pregnant and honestly... I took that personally.Let's also talk about... the fact I had a literal pdf file teacher in high school, how I accidentally ended up inside Robert Pattinson's house, and the Irish man who underestimated my ability to ruin his day.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Steve Harvey Morning Show for Tuesday June 9th, 2026: Steve Harvey's Morning Inspiration | Show Open - Grief | Nephew Tommy's Run That Prank Back - "Love ETC" | Ask The CLO | Trending & Entertainment News | Trump At NBA Finals | Random Questions | Nephew Tommy's Prank - "Apartment 316" | Strawberry Letter - "It's So Amazing To Be Single" Pt. 1-2 | Junior's Sports Talk | Social Media Advice | Obama Center | Would You Rather | Closing - Steve Harvey Remembers His Father-In-Law, James Bridges Sr.Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

The Strawberry Letter heard on The Steve Harvey Morning Show Tuesday, June 9th, 2026. Subject: "It's So Amazing To Be Single"See omnystudio.com/listener for privacy information.

People in the church tend to celebrate marriage and act like that is the goal for everyone, looking at those who are single as simply waiting to be married. While God can gift someone with a spouse, He can also gift people with the freedom of singleness that should be celebrated by the Church as someone lives their life serving the Lord. If we are all following Jesus in obedience, than whatever life He calls us to live is a gift.

In this episode, Dee Kei breaks down how he actually thinks about mixing vocals — and it's probably not what you'd expect. Before touching a plugin, an EQ, or a compressor, the most important step is understanding the intention behind the song. Is it a club banger or an intimate bedroom record? A polished pop vocal or something raw that's supposed to feel that way? Dee explains why blindly applying mixing techniques without reading context is the number one mistake engineers at every level make.From there, he dives into the fundamentals: how low-mids shape intimacy versus energy, why most beginners over-de-ess their vocals, when heavy compression works in your favor and when it fights the song, and how vocal placement in the mix is determined by the density and genre of the track. He also gets real about something not enough people talk about — the rise of intentionally "rough" sounding mixes that are racking up streams, and what that means for how you serve your clients.Whether you're a bedroom producer mixing your first song or a working engineer looking to sharpen your instincts, this episode will shift how you approach every vocal session.SUBSCRIBE TO OUR PATREON FOR EXCLUSIVE CONTENT!⁠SUBSCRIBE TO YOUTUBE⁠Join the ‘Mixing Music Podcast' Discord!HIRE DEE KEIHIRE LU⁠HIRE JAMES⁠Find Dee Kei and Lu on Social Media:Instagram: @DeeKeiMixes @MasteredbyLu @JamesParrishMixesTwitter: @DeeKeiMixes @MasteredbyLuThe Mixing Music Podcast is sponsored by ⁠Izotope⁠, ⁠Antares (Auto Tune)⁠, Sweetwater, ⁠Plugin Boutique⁠, ⁠Lauten Audio⁠, ⁠Filepass⁠, & ⁠Canva⁠The Mixing Music Podcast is a video and audio series on the art of music production and post-production. Dee Kei, Lu, and James are professionals in the Los Angeles music industry having worked with names like Odetari, 6arelyhuman, Trey Songz, Keyshia Cole, Benny the Butcher, carolesdaughter, Crying City, Daphne Loves Derby, Natalie Jane, charlieonnafriday, bludnymph, Lay Bankz, Rico Nasty, Ayesha Erotica, ATEEZ, Dizzy Wright, Kanye West, Blackway, The Game, Dylan Espeseth, Tara Yummy, Asteria, Kets4eki, Shaquille O'Neal, Republic Records, Interscope Records, Arista Records, Position Music, Capital Records, Mercury Records, Universal Music Group, apg, Hive Music, Sony Music, and many others.This podcast is meant to be used for educational purposes only. This show is filmed and recorded at Dee Kei's private studio in North Hollywood, California. If you would like to sponsor the show, please email us at ⁠deekeimixes@gmail.com⁠.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

E News: Ariana Grande is single again, Famous men who dated teenagers, Idris Elba won't be James Bond, Hugh Laurie went off, Madonna has new music, and more... See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Timestamps: 00:00 Introduction and agenda overview 01:00 Are expired domains the most promising investment? 01:26 Shane emphasizes the importance of expired domains 02:21 Josh discusses initial opportunities in expired domains 02:32 Market insights: wholesale and retail domain trends 03:39 Brady comments on expired search services and market activity 04:58 Market valuation: premium vs. lower end names 11:13 Future predictions: industry concerns and opportunities 11:35 Market segmentation: high-value vs. mid/low-tier domains 13:06 Changing value of exact match and brandable domains 14:19 Impact of new TLDs and extension proliferation 15:23 Short-term vs. long-term market predictions 16:07 Josh's bearish outlook based on technological advancements 17:53 The shifting landscape of domain valuations 19:11 The influence of AI on domain discovery 20:21 The demand for domains in AI and tech sectors 22:35 The rise of alternative extensions and digital adoption 23:04 Undervalued domains today and future opportunities 24:08 The valuation of premium and generic domains 25:33 The risk and reward spectrum: steals, bargains, big assets 26:17 Long-term predictions: 10-year outlook on domain values 27:14 Brady's insights on software tools and AI in domain research 28:46 Emerging industries and AI-related domains 30:15 Underpriced sectors: biotech, quantum, and futuristic tech 33:33 Search strategies: industry-specific vs. generic keywords 35:53 Single word vs. descriptive domain names 37:45 AI's evolution beyond keywords into industry and branding 40:25 Trust, influence, and the power of authentic content 42:27 Upcoming features at DNX: domain data and automation 44:49 AI-driven tools for domain research and lead generation 50:28 Conference trends: what sessions would be valuable? 52:22 The role of sponsorship and influencer marketing 56:41 Strategies for building social proof and credibility 58:12 AI and automation in outbound marketing 62:19 Searching expired domains with semantic AI 70:16 Ideation tools and variations for domain creation 73:12 Filters and specifics: targeting trending domains 77:23 AI content generation and website builders 81:08 The importance of real-world data and performance metrics 85:53 Future opportunities in domain branding and tech sectors 106:09 Industry influence, trust, and personal branding 108:36 Wrap-up and upcoming initiatives at DNX Check out https://unstoppabledomains.com

Keith talks with data-driven investor Neal Bawa, the "mad scientist of multifamily," about why apartment values have dropped 20%–30% while single-family prices have stayed resilient.  They break down how interest rate shocks, the homeowner lock-in effect, and a wave of new multifamily supply are reshaping returns for today's investors.  Keith and Neal also dissect the build-to-rent model—who it really serves, how apartment oversupply is pressuring its rents, and why pending legislation could upend the space.  Neal closes with a specific, data-backed timeline for when multifamily rents and values may finally turn the corner, giving listeners a concrete roadmap instead of vague market guesses. Resources: Grocapitus Website - https://www.grocapitus.com Multifamily U's Free eBook: Location Magic - https://multifamilyu.com/lp/location-magic-ebook/ Multifamily U's Investor Club – https://multifamilyu.com/club Episode Page: GetRichEducation.com/609 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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  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. The single-family real estate market is steady, but with apartment building values down 20 to 30% since 2022 when will the multifamily Armageddon end? We ask our qualified guest, and how will slowing birth rates in immigration affect real estate? And more today on Get Rich Education. You know, Mid South Home Buyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now, their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to Daniel Thomas hind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock homes helps multifamily owners exit the operator grind, whether it's your six plex or a 50 unit apartment, through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre That's F L O C K homes dot com slash G R E.   Neal Bawa  2:13   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  2:29   Welcome to GRE from Valencia, Spain to Valencia, California, and across 188 nations worldwide. America's favorite shaved mammal on a microphone is back with you for another wealth building week. I'm Keith Weinhold, and you're listening to Get Rich Education. The world's biggest problems are the world's biggest businesses. That's not a coincidence, and that's why we discuss housing here. And there's been a chronic shortage of affordable housing last month at a commencement speech, Harrison Ford, yes, the guy that played both Han Solo and Indiana Jones, talked about how a fulfilling life has both passion and purpose. Passion is what gets you out of bed in the morning, purpose is what helps you sleep at night, you and I. We can bring this mindset to our lifestyle, to the business we do, and to our investing. Treating tenants well is what helps real estate investors sleep well at night. While we're doing well, we can be doing good too. Multifamily syndicators keep failing, going out of business, and losing all of their investors' money due to mortgage rate resets. It just keeps happening. What this really means, that these groups that pooled together investor money to buy apartment buildings, largely that were set up in 2022 and earlier keep blowing up almost fully due to the fact that interest rates reset higher. Some of them had a fixed rate for five years. Well, rates spiked four years ago, and that's why a lot of them have yet to blow up, and these apartments have lost so much value that no one will refinance them, you know. Even if that apartment operator increased the net operating income over the years, even if rents went up, it doesn't matter. So, you still haven't heard the last of it. Do you remember a couple years ago, when a lot of people in the apartment space, they were saying just stay alive till 25 and that nonsense, like if you keep your head above water until 2025 oh well, then rates are certainly going to fall, and everyone's going to be okay. Well, 2025 is long gone.    Keith Weinhold  5:01   Mortgage rates haven't fallen in any significant way, so that survive until 25 thing or whatever mantra derivative people used that was a farce, like I've said on the show here for years. You cannot predict interest rates, so I didn't make the call that they were going to go up or down at all, because you can't predict them, but so many people said, oh, rates will fall substantially by now, no way, you just can't make that assumption, you've got to take history over hunches, and all of that, a lot of those multifamily deals 100% depended. depended on refinancing at favorable rates, and that's exactly why they failed. A surefire way to look foolish is to predict interest rates. We'll talk more about the multifamily Armageddon with today's guest. I also want to get into what's called the 21st century road to housing act, because that became one of the most hotly debated housing policy provisions this year. And what this is, is a Senate bill, and it would require certain large institutional investors that develop these bills to rent single family communities. It would force them to sell those homes to individual buyers within seven years. So, in other words, what a big firm could do is build a neighborhood of rental homes, lease them for up to seven years, but they couldn't hold on to them any longer than that. They couldn't hold them indefinitely as rentals, this bill is not aimed at you, the individual investor. It is aimed at big institutions, and what I mean by that is that's generally defined as owning 350 or more homes. That's what we're talking about here. Small landlords and mom and pop investors are not the target, it targets corporate portfolios, and this means groups whose names you've probably heard of, like Blackstone, First Key Homes, Progress Residential, and Invitation Homes. They are some of the heavyweights that the government is looking to clamp down on, so whenever you hear someone talk about big Wall Street landlords, that is who they're talking about. Now, some groups are pretty worried about the 21st Century Road to Housing Act, like the NHB, that's the National Association of Home Builders, and a lot of multifamily groups are concerned, and why is that? Well, the effect is it could dramatically reduce new housing production.   Keith Weinhold  7:44   See, a big institution like First Key Homes or Blackstone, they wouldn't want to even get into this business anymore. They wouldn't want to build big build to rent communities anymore if they have to sell them all within seven years. See, they want to buy and hold for the long term, kind of like what you and I are doing, because you and I know that owning a group of selective buy and hold single family rentals is a really profitable place to be, but so if they don't want to build, then that creates a reduction in supply, which could make prices go up, and then obviously hurt those trying to afford their own home. Well, that would defeat the purpose of this whole thing. I mean, my gosh, this always seems to happen when government gets involved. So, the 21st Century Road to Housing Act could limit supply, which is the exact opposite of its intent to get first-time home buyers into their first home, and if this passes, it does have bipartisan support. This lower supply, then yes, indeed puts upward pressure on prices. Just amazing. So then it could actually go on to help the everyday mom and pop investor, like you and I, that already owns property, the individual at last check, though they're looking to pass a version that still restricts some of these giant institutions from getting into build to rents, but yet it does not have that seven year sale requirement. What's really important to remember here is that Washington, they're looking to stifle big Wall Street players from the rental market, which could reduce supply. They're not targeting individual investors. The context that's important is that these groups, they own 10s of 1000s of homes, they don't own hundreds of 1000s, and they don't own a million, so it's a really small percentage of the housing market, whatever direction policy breaks, then the headlines that it creates are just greater in magnitude than the effect on the market is. It's an important frame of reference here. Let's meet this week's guest. This week we're welcoming back a guest that we haven't heard from in a year or two in real estate circles. He is popularly known as the mad scientist of multifamily. He's quite an in-demand speaker. He has a $500 million multifamily portfolio that he essentially shares with over 1300 investors. He's sharp, a good educator, and a straight shooter. That's why he's here. It's a warm welcome back to Neal Bawa.   Neal Bawa  10:32   Thanks for having me on the show again. It's delightful to be here, and so many interesting things to talk about in the world these days.   Keith Weinhold  10:38   There really are.. I don't know if we can get it all in, Bawa is spelled B A W A. Neal, I want to get to your future housing market outlook later. How you think the future looks, including when multi families quasi Armageddon might end. But first, you're known as a data driven real estate guy. Tell us about that, and how being data driven makes you profitable.   Neal Bawa  11:03   I see concern, and I'll tell you why. The single family and multifamily market have been atrociously incredibly divergent since the first quarter of 2022 They have not tracked yet each other at all, even though if you look at the last 50 years, they tend to track each other. So you know, 2008 was a Armageddon for single family, Armageddon for multifamily, and they both sort of came up in 2012 2013 and then they had a really good time until Covid.   Keith Weinhold  11:30   Yeah,   Neal Bawa  11:31   but the second quarter of 2022 is when Fed started raising rates, and since then we've sort of slid - multifamily has gone down in terms of pricing between 20 and 30% depending upon the metro, you know, and depending upon whether it's new construction, new construction assets have gone down more than 30% and existing assets that are filled up have gone down by 20 to 30% depending upon the metro. So, metros that have a large amount of supply, closer to 30% decline in value, the metros that have less supply probably closer to 20% decline in value, right.   Keith Weinhold  12:03   Demand demand has been pretty resilient. It's more of a supply story.   Neal Bawa  12:06   It's a huge supply story, right. So, if you look at, you know, occupancy, essentially what's happened is there was so much supply that came in that really people started on those projects in 2022 maybe they didn't start a construction until 2023 they didn't finish construction until 2025 so they started leasing up in 2025 They had to give offer concessions two months, sometimes three months free, and so that pushed down the rents in 2025. And they're not done, because you typically can't rent an apartment in six months. If it's brand new, it's going to take you about 18 months to rent it, and sometimes 24 months, and so it's affected our rents in 2025 it's affecting our rents in 2026. Now it's unlikely to affect it in 2027 but we'll go there, you know, at a later stage. But at the moment, we, what we've seen is negative rent growth in the United States for multifamily for the last 12 to 15 months, and what I think is going to be negative rent growth in Q of this year and Q2 of this year, so Q1 was negative, Q2, which we are in now, is likely to be negative or flat now. Single family, on the other hand, has gone in a different direction, which has been very difficult to understand, and I believe it's taken me a while to really understand this, but I think I've finally figured it out. Single family prices are not down since 2022 which makes no sense at all, because the average mortgage in the United States today is almost double, almost double, not quite double, but almost double of what it was in at the beginning of 2022 when interest rates were about 3.3 3.4% Right now we're sitting around, you know, six and a half percent interest rates, so not quite doubled interest rates, but they've obviously gone up a fair bit, and as a result, your average, you know, mortgage has almost doubled, but home prices haven't dropped, which makes no sense if you really think about it, because home prices are a factor of demand, and they're also a factor of people's ability to pay, so if all of a sudden within four years you're paying, the mortgage is doubled, then less people are going to be able to buy, but it stayed up, the market has stayed up, and the biggest reason it stayed up is because of what is known as the lock-in effect. So, the US market typically has a million new homes every year, and there's more than a million existing homes that are transacted, right? So, it's an open market, it's a perfect competition market, but it hasn't been perfect competition for the last four years, because so many people locked in ridiculously low interest rates.    Neal Bawa  14:28   Perfect example, in 2021 and 2022 I have a 15 year mortgage at 1.75% If I sell my house back to myself, my mortgage quadruples, quadruples, right, because it goes from 1.75% to six and a half percent, so I can't even imagine even think about leaving my home, right, because it's just such a perfect loan. Most people don't have anywhere near 1.75% but there's lots of people with more mortgages in the 3% three and a half percent, and 4% range that basically can't go anywhere, and because those homes are not coming into the market. The last three years the market has had this unusual not enough supply factor, and that's been keeping prices up. That is ending. That is ending, because what we've been tracking is the percentage of homes in the United States that have low mortgages. Low is simply defined as anything under four and a half percent, and that percentage is going down each quarter, because you know divorces happen, deaths happen, you know people move for jobs, and so every time that happens, that locked in rate goes away, because you sell your home and move on, and so for a while that lock in effect was predominant, it was controlling everything, but as time has gone on, interest rates were higher in 2324 2526 For also almost four years have passed since the rate started going up. So each quarter the percentage of homes in the US that have these low interest rates has slowly moved down, and we're almost back to a normal timeframe.   Neal Bawa  15:53   And this is causing the single family market to not have a conniption, but we're starting to see a balancing of the market, where it's not just a buyer's market anymore, in some places it's actually seller's market, some places it's a buyer's market. So we're now starting to see home prices drop in number of markets in the United States. I can't say that they've dropped in super majors, but we're seeing a flattening out effect of home prices in most metros in the US, and there should be a flattening effect. Just to be blunt, I mean, obviously I own a bunch of single-family homes, so I just wanted them to keep going up for selfish reasons. But if you think about it, we had huge home price growth in like 30 plus percent in number of years, 2021 22 and even 23 and during those years, salaries only went up by two to 3% a year. In one year, they went up by 4% and rents also went up like crazy. There was a 2021 was 15% rent growth year. So, at some point, there had to be an adjustment, and we are in that period of adjustment where single family prices are basically flat on a national basis. Yes, going up in the San Francisco Bay Area because of AI, and going up in a couple other technology-heavy metros because of AI, but otherwise fairly flat, and I don't expect that to change for the next year. So, my forecast is next 12 to 18 months, home prices in the US are going to be flat on a nominal basis, they're going to be down on an inflation-adjusted basis, but you know, because of the Iran, more inflation's three and a half percent, so home prices should go up three and a half percent. So, if they stay where they are, well, they're really dropping three and a half percent.   Keith Weinhold  17:29   Yeah, before this year began, I released our forecast, it was for 2% nominal home price appreciation in the one to four unit space for the US this year, and I still like how that looks. There's so much to unpack with what you just talked about. In my view, there's nothing unusual at all that when mortgage rates rose sharply a few years ago, that home prices rose as well. Why? Because actually, that's what usually happens, which is counterintuitive to most people. In all of our lifetimes, residential real estate prices have only fallen significantly one time, that was around 2008 due to a number of unusual circumstances. The only thing that's a bit different this time is, of course, how fast rates increased in 2022 and 2023 and people wondering if residential real estate prices could still keep up, and they certainly have, but yeah, you brought up this dichotomy, this bifurcation about how the apartment market and the one to four unit space kind of separated from each other in 2022 or 2023 That's what's so interesting.   Neal Bawa  18:36   I do want to point out a couple things, though, and I don't want to be a Pollyanna here and talk about negative stuff, but I think that there's big difference between 2008 and that timeframe and where we are today, and that difference is, and it has multiple parts. Not all of your audience is aware of this. Until about 2012 the United States had very reasonable birth rates. You know, we were one of those countries that had avoided the debacle that Japan, Korea, China, and a number of other countries are seeing South Korea being the absolute worst, where basically they were producing one baby per generation, where you need about 2.2 babies just to kind of keep your population where it is, right, and the US was unusually high in that, and that we were still above that threshold, which meant that our population would continue to grow and not fall. Now, there was two reasons our population was growing: One, we had more than 2.2 babies per household, and second, we had a very significant amount of legal and a very significant amount of illegal or undocumented immigration. Right, so we had both of those pipelines today. All three of those have flipped, so the United States now basically looks like Korea or China or Japan in that every household is producing about one and a half babies, which means that our population growth, which hasn't stopped yet, because it takes a while for these things to catch. Up is likely to stop, like it's, and at some point decline again. Luckily, we're not there yet. The US is a fairly young population, unlike Japan, which is one of the oldest populations in the world. So, it'll, we'll still continue to see population growth, but there is no doubt. And you can ask Chat GPT, right? How has population growth in the United States slowed over the last 20 years.    Neal Bawa  19:22   Make me a graph, and it will make you a very nice graph, and you'll very clearly see there's a slowdown in population growth. The second part is both documented and undocumented immigration. It's my estimate that since this administration took over, somewhere between half 1,000,001 million people have left the United States. Now it's very difficult to get an actual number, as you can imagine. A number of these people were undocumented, so we didn't really know how many there were to begin with. And a number of them, when they left, they also left by an undocumented rate, that you know, path. So we've lost a bunch of those people, and also the people that have stayed in the country, we've lost a number of them in the workforce. Here's a perfect anecdote, Keith. About 33% of the construction workforce in the United States was undocumented, one in three. In Texas, as much as 40%   Keith Weinhold  19:45   Yeah, that's huge.   Neal Bawa  19:45   It's very significant. Number of those people don't show up for work anymore. I don't think they've left the US, at least I don't think so. But they don't show up for work anymore, because that's how they get caught, right. So, what we've seen is that the construction workforce in the United States has become been decimated over the last 12 months, and the impact is much greater in the second half of 2025 than the first half. Why? Because even though they wanted to do ICE enforcement, they just simply didn't have enough agents, enough facilities, enough judges. When the second half of last year, they sort of started catching up on that, hiring more agents, getting more facilities, getting more judges, and so we started to see a real challenge there. I have properties in 10 markets in the US, and what I can say is about seven of those markets, mostly Southern markets, I am beginning to see dropping occupancy related to this phenomenon. I'm seeing a reduction, and so markets like Georgia and Texas, Florida are more hit than my northern markets like Idaho. I haven't seen any impact at all, but these southern markets, multiple properties, multiple metros, I'm seeing this - people, mostly of Spanish, Mexican origin, not renewing leases. I don't know what they're doing. I don't know if they're sleeping in their cars. I don't know if they're basically just, you know, staying with mom or staying with, you know, some other family. But I'm seeing a very, very big pullback in my leases tied to this, and occupancy is dropping in those markets that are heavily Hispanic. And so I'm seeing the impact of that on landlords, but I also know that there's an impact on the US at all, and overall demand on rentals, whether it's single family or multifamily. This is a significant impact, because I don't think that the Republicans are going to make a U-turn on this. I don't want to get political, but you know, stating the obvious.   Keith Weinhold  19:45   Yes, United States had its biggest birth year in 2007 when there were more than 4 million babies born. The average age of the first time homebuyer today is 40 years old. If that holds true, that peak would take place in 2047 And then, yes, to your point about changes in immigration, yes, it sounds like a potentially a reduction in demand with what you're talking about, with some vacancies, and also maybe a reduction in supply when you have fewer construction workers to build these places as well, we're talking about building properties. Neal, I want to talk to you about the build to rent space. Somewhat is build to rent better than traditional real estate? I think that's what we really want to know. And for those that don't know, build to rent means when you construct a property where from day one that construction project is built for a tenant, not an owner occupant. I see a lot of pros and cons there. Can you talk to us about the trade-offs between build to rent and traditional real estate?   Neal Bawa  19:52   Yeah, if you think about it, it's a really terrible word, built to rent, because if you think about the word built to rent should be apartments, right, but actually doesn't mean apartments, right? So, built to rent actually means single family or town homes that were built to rent out, right? And then you're like, why don't they just said built to rent apartments and town homes? Well, you know, was too long an acronym, and we suck at acronyms anyway. But BTR, or built to rent, is essentially building single family or town homes, but specifically building them to rent, and it doesn't include any apartments at all, right? And the reason why the BTR market was growing in the last five or six years is that roughly 18 million American families can no longer afford to buy starter single family homes, you know, and by starter I mean, small old single-family homes. That's how Americans usually started, you know, in their 20s and 30s. They would buy these homes, some of them, but they would fix up, and then they over time, in their 30s, late 30s and 40s and 50s, they would upgrade, and then at starting the 50s, it would flatten out, and then the 60s, they would start to downgrade, right? That's been a typical thing that's happened in America for 56 5070, years. Well, that is, cannot happen anymore. And it broke in 2022 until 2022 It was a normal cycle beyond 2022 because interest rates almost doubled, and the mortgages almost doubled, but the incomes only increased by 10 to 20% There became this orphaned generation of Americans, roughly 18 million families, that simply cannot afford to buy that starter home, and they are now forever renters. They don't know it. They think that they're going to catch up at some point, but five minutes with an Excel spreadsheet, I could prove it to them that they're not going to catch up.    Neal Bawa  25:35   Maybe one in 100 families would see a very large increase in income, and that would result in them catching up, but for the most part, as a group, these 18 million families, they're forever enters as a group that didn't exist before 2021 right. It's entirely because of this outrageous increase in mortgages, while not seeing a drop in home prices, that led to this, and so those orphan families, they actually earn pretty well, so these are families that make 70, 80, $90,000 in mid markets. They make over $100,000 if they're living on the coasts or in expensive markets, and they still can't buy that, you know, starter home. And so they don't want to live in apartments. I have lots of apartments, old ones, new ones, and I want these people to live there, but they don't want to live there, and so they've been looking for an option, and that option has been developers like me building communities of 200 300 townhomes or single family homes with a small little yard, and then basically from day one, instead of selling them, renting them out, and then once you're done renting out the whole community with 200 tenants, then you sell that to an apartment company. You know, there's lots of apartment companies in the US that have 100,000 units. Well, they want to buy these because the turnover is lower. So, what happens is most of these town homes and single-family homes for rent. Families come in, and they typically rent for three to five years before they move, whereas in on my apartments I lose 40% of my tenants each year. So, if I have 200 tenants, I lose 80 of them every year, and I have to basically go back, clean up those units, deal with the vacancy. But when I have townhome communities like my Idaho Falls townhome community. I lose a tenant at roughly every four years, and so, as you can imagine, profitability goes up when turnover goes down, right?   Neal Bawa  27:31   Because you don't have that cost of turnover and vacancy, and so eventually those large landlords that are holding 100,000 units figured out, I like this, what Neal Bawa is doing, he's building these 200 townhomes, I want to buy these from him when they're rented. I don't want to build them, I don't want to lease them up, I just want to buy them when they're stabilized. And so BTR became that name for that marketplace where developers would build townhomes and single families, rent them out, and then sell them to institutional, and it was some—   Keith Weinhold  27:56   People think of fabulous institutionalization of the starter home.   Neal Bawa  28:00   And in many ways it is, because what happened is, for a while, these institutional players, like Blackstone and BlackRock, they were like, we are just going to go out and buy 50,000 single-family homes, and that's going to be the institutionalized. Well, that worked really well if you bought in 2008 2009 2010 2011 because you got them bought them at a discount, but when they started buying them in 2015, 16, 17, 18 at ever higher prices, they didn't make any money. So the vast majority of these public funds that were created to buy large amounts of single family have failed if they've purchased anything in the last seven or eight years. If they bought before that, they made huge amounts of money. Family homes are so expensive that basically buying them for rental did not make sense, so these companies have now pivoted to saying we'll only buy communities that have 100 or 200 or 300 of these homes, because then we get the benefits of having centralized leasing, centralized property management, centralized maintenance, and I don't have homes spread all over the metro, they're all in one place, and I can make more profit from that. In theory, that's been good, and you might think that I'm bullish on BTR, but I'm actually today bearish on BTR for one single reason. About seven months ago, Republicans started talking about a bill - I don't know what the name of the bill is, but what this bill does is it forces builds to rent developers like me within seven years of building the property to sell all of the homes in that property to single family tenants, not to Blackstone, not to Blackrock, but to single family tenants. Hasn't passed yet, but it passed the Senate with an 8910 vote, which means that both Democrats and Republicans wanted to vote for this. If it passes the House, and because Donald Trump himself is very heavily opposed to it, he's made it very clear he doesn't like this. He's a developer, obviously. It hasn't passed the House yet, but if it passes the house, that will destroy the build to rent market. No one will ever build build to rent, because the worst possible thing is I build this, and within seven years I have to actually sell it to individual buyers. If I do that, my banks are going to hate me and not give me loans to build BTR anymore. Obviously, there's going to be some grandfathering to the communities that I'm building now, or maybe even build the ones that I'm building in 2027 maybe grandfathered. It usually is, because you know, Congress never does anything retroactively, and they give you a year or two, but if it passes, it's doomsday for BTR. I hope it doesn't happen, but that's the way it's looking, because it's bipartisan. Bipartisan bills are more likely to pass   Keith Weinhold  30:40   Now for the mom and pop investor, the individual investor build to rents have obvious appeal due to your point about the lower turnover, lower maintenance costs on a new build, lower insurance costs often on a new build, and then there's the tenant appeal to a new build as well, but of course there is that investor downside. I think a lot of investors are aware of their thin initial cash flow that they're going to have on build to rent, but you know, Neal, another downside with build to rent, I think a lot of investors don't look at is, hey, just how many of these things are they building? Are they building 500 of them? Do I have some overbuild risk if I buy into this community that could suppress occupancy and rents for a while.   Neal Bawa  31:21   What we've seen is that when Built to Rent started out in 2017-2018 it was its own asset class. It wasn't competing with apartments, it wasn't competing with single family rentals, it was just its own thing. However, in the last two or three years, as more and more apartments flooded the marketplace, we had a glut. It moved away from that. It basically started getting affected, and the rent started falling, just like any other portion of the market. You know, think of it as three portions of market. There's the built to rent, which I described, you know, brand new single family homes, town homes per rent. There's the apartments, both brand new and existing, and there's the single family rentals, right, which there are millions of. What we are seeing now is it's become one market, right? All of them are affecting each other, and the apartments, which have a huge amount of glut, there's a massive amount of new apartments that have come in in the last two years, are really pushing the rents down for single family, they're pushing that rents down for BTR. So, at this point, what I would say to people that have this concern, Keith, is simply look at incoming apartment supply, because if you're in a marketplace, and I'll give you examples of really good markets that are crushed right now. If you're in a market that has a lot of incoming supply, whether you buy a single family rental, a quadplex, a 50 plex that's an apartment, or 100 unit BTR, you're going to suffer for rent growth if you have a lot of incoming supply in 2026 and that is across the board in every market in the US. Huntsville, Alabama is, in my opinion, one of the most interesting markets in the US for 5 year, 10 year growth, right?    Neal Bawa  32:54   If I had to say you don't need a loan, it's just your own cash, no investors, where would you put money in? It would be at the top of my list, not at the very top. Idaho Falls is definitely the number one market in the US in my list, but Huntsville is up there. But right now, do you know what rent growth in Huntsville is? Minus 2% negative 2% Why? Because there's 6000 units coming into a market that's, you know, 1/5 or 1/10 the size of Phoenix, right. It's 1/10 the size of Dallas, but it has half the units of Dallas or Phoenix coming in, and so rent growth is negative there. So, what I would say is today absolutely everyone that is an investor should understand that we live in the magic world of AI, and you should be talking with Chat GPT about incoming supply for any market that you're interested in, and using that to make your decisions, because all of these markets merged, BTR, new apartments, old apartments, single family, everything has emerged in the last 24 months, where they're all affecting each other, and if there's too much supply of any one kind, it's affecting all of the other markets, and that's the message that I have. And none of this is like you have to go buy a $25,000 software like Costar today. Chat GPT is your costar.   Keith Weinhold  34:11   You're listening to Get Rich Education. We're talking with the mad scientist of multifamily, Neal Bawa, where we come back, including what he thinks about recovery for the beleaguered multifamily market. I'm your host, Keith Weinhold. 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What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 268 66 That's Family 266 866    Speaker 1  36:00   This is the star of the A E Show, The Real Estate Commission. Todd Rollette. Listen to Get Rich Education with my friend Keith Weinhold, and don't quit your daydream.   Keith Weinhold  36:20   Welcome back to Get Rised Education. We're talking with Neal Bawa, a really sharp multifamily syndicator who's also highly data driven. And Neal, tell us more about the beleaguered multifamily market that had those aforementioned problems really cropping up in 2022 and we had a lot of supply and spiking rates. What does it look like for the path to recovery for the US multifamily market?   Neal Bawa  36:45   Luckily, demand is strong, and even though occupancies have dropped, typically the multifamily market, the large multifamily market in the US, tends to be between 95 and 96% occupied. Okay, and right now we're on 93% so that all that incoming supply means that about 7% of our apartments in the US are empty at the moment, we're trying to fill them, and we are seeing that occupancy drop, not across just new apartments that are leasing up, but also drop in class B and class C. We've also seen a huge increase in concessions, so I studied this quite obsessively, and I can tell you that 2026 in some markets is the recovery year, but not across the board in the United States, and the reason for that is sentiment. Once renters get used to huge amounts of concessions, it's like a drug, it takes a little while before you wean those renters off of those drugs, and so there's that hit right now. Every renter program,   Keith Weinhold  37:44   Everyone wants their freebie for good.    Neal Bawa  37:46   Yeah, exactly. It's like, hey, what, you're not giving me two months free? Hey, what, you're not even offering me one month free? It takes a while for that expectation to happen, because there's such a huge amount of concessions in the US. So, to me, there are a few markets, usually the smaller markets or very fast growing markets, where there's a recovery in 2026 but otherwise 2027 The first half of 2027 is recovery. The second half of 2027 is fast rent growth in a lot of markets. Why? Because remember, interest rates have been high since 2023 A lot of projects were started in 2022 went into construction in 23 came to market in 25 and 26 Lease ups are happening in 25 and 26 By early mid 27 these are all leased up, right? The second half of 2027 there isn't a lot of delivery in any of these big markets, because to deliver in the second half of 27 you would have started construction in that second half of 2025 and I counted those permits market by market. There's just not a lot, because by that time everyone knew that projects were not getting funded, everyone knew that interest rates were high, so there wasn't a lot of supply of new starts in the apartment market in the second half of 25 so there's not going to be a lot of delivery in the second half of 27 and all of the existing stuff would have been leased by then. So 2026 is one of those years where we could still see more concessions in the second half of 2026 I still see rent growth for apartments to be flat. You mentioned single family might be a little bit higher. It tends to be a little bit higher than apartments in terms of rent growth, but I think flat rent growth for 2026 is what I'm projecting. I'm projecting small rent growth in the first half of 2027 for most markets, and then I'm projecting robust rent growth, call it 3% or greater on an annualized basis, in the second half of 2027 and I'm projecting that most markets in the US that are not seeing a population drop, so count out places like Detroit are going to see a very aggressive rent growth, four or 5% rent growth, that's aggressive in our world, in 2028 28 and 29 are shaping up to be. Supply deficit years, years where supply is well under demand.   Keith Weinhold  40:05   It's pretty easy to project completions when you just go ahead and look at starts, and really, what you're counting is the story of absorption.   Neal Bawa  40:14   Yep, and what's nice about apartments is you can actually build a single family home in about nine months, right, but you can't build apartments in less than 24 months. There's just so much permitting issues, there's so many delivery issues, fire code issues, and so we have a crystal ball on the multifamily side that we are now getting better at using. I don't think the industry was very good at this in 2022 but now we're really all obsessed with how many permits does my metro have, and how many permits does my state, and how many permits does the US have? And everyone that I know in the industry that's data driven knows that there's a massive glut now, maybe a little bit of a glutton that remaining portion of 2026 equilibrium in 27 and a huge, huge supply deficit in 28 and 29 So everything that I'm doing is based on this, and this crystal ball actually works because of that two year gap between shovels in the ground and delivery,   Keith Weinhold  41:10   and it sounds like you've recommended Chat GPT as a go-to source for investors to look into these things, that happens to be my favorite one as well, and you are well, maybe it's a bit too much to say, but it almost feels like to me pioneering with the way that you use AI. In fact, I know before our show today you were running some other things in the background that made me wonder, hey, am I talking to the real Neil or the clone Neil? I know I've got the real Neil here, but why don't you tell us about how you're using AI to make data-driven decisions in real estate?   Neal Bawa  41:40   Sure, so the first thing is that we've completed our journey with the low hanging fruit of AI. Every single person in our company is fully trained on how to use Chat GPT. Most of our research-related processes are automated. For example, 100% of our investor updates are now written by Chat GPT. What we do is we go into our property manager meetings on Mondays or Tuesdays sit down with them, beat them up, and the transcript is then taken by our team in the Philippines. They take that transcript and put it into a pre-trained Chat GPT string, it's called a custom GPT, and the string took a while to train, but now that it's trained, all it needs is a transcript. We just copy paste it in, we don't give it any instructions, and it outputs a really wonderful investor update, right. And so our updates for our investors are 99% written by AI. Of course, we'll go in and add our comments at the end of the process. So we've automated investor updates, rent comps, so you know if we are underwriting a new property today, what we do is we simply go into a Google file and copy paste the address and hit enter roughly once a minute. A software, which is written by AI - we're not coders, but the software knows how to write code - it checks the file, if it sees a new address, it goes in there, grabs the address, and then it basically goes to apartments.com rent.com realtor.com and all of these places, and checks the rents for this particular property in two mile radius. It eliminates all the ones that don't match, like you don't want to match the rents of a 1970 or 80s built property with a brand new 25 built property. Those are not comps, it's not comparable. So it basically is very careful, it keeps a radius range of two miles, and also basically is a property of the same kind, you know, like it never matches up a three story property with a 10 story property. Those don't match, one of them obviously is more of a central business district or downtown sort of thing, and so it basically grabs all of those rent comps and then puts them into a file and posts in a Slack channel. Usually it takes it about 1213 minutes to do that, and so whoever put that address in about 12 minutes later goes into the Slack channel and says, "Hmm, these are all my rent comps, right? And boom, now you're basically, you have all these ready rent comps. So, what we've done is, we've automated a significant portion of what we are doing with both our property managers and inside the company with acquisitions and things like that, we're also scraping massive amounts of data from the Bureau of Labor Statistics website, which we just couldn't deal with that data before, and building very beautiful, very interactive dashboards. We don't use Chat GPT for that. We find for dashboarding a tool called Claude, which is by a company called Anthropic, is much better, so we have currently over 150 interactive dashboards that Claude has created that update in real time and give us access to data. If anything, I find that we are in this incredible time where decision making has become much easier, as long as you spend time with these tools. So, in our company we have an absolute mandate that no one has broken for the last year. One year per day, people must program, and by programming we mean issuing common language instructions to tools and build dashboards and build software that automates our work. Have we laid off anyone because of this? I mean that. Be the next obvious question. The answer is no, because it's made it easier for us to serve a much larger audience, so it's easier to grow your company. We just are not hiring anyone, and we haven't hired anybody for the last 18 months, so we have a hiring freeze, but at the same time all of our people are employed because they're they're now much more valuable. So everyone in our company is now a programmer, and even though that sounds weird, it's completely true.   Neal Bawa  45:24   Every single person in our company writes code, and they write code by talking with Cloud Code or talking with Chat GPT, and then Chat GPT, of course, does the actual code writing, but people have become very, very good at answering questions and saying, "I want a dashboard like this, turn these radio buttons into drop boxes, and give me the last month, and last three months, and last 12 months, and do this, and do that, and connect this, and I also want to host this on a server, but I want to make sure that only I can see it. I need a password added. Imagine 1000 of these conversations happening in our company every day. Yeah, that's interesting. And what you just described   Keith Weinhold  46:00   there at Gro Capitas is somewhat of a microcosm for what's happening in the broader economy, where we've been in this low high or low fire environment for quite a while. Well, Neal, as we're winding down here, we recently had a new Fed chair come in. It seems incomprehensible to me that there could possibly be any rate cuts. I don't know how we could responsibly make a rate cut with all these inflationary layers. We had the pandemic, and then terrorists, and then the Iran war, and the energy shocks, and all these bottled up supply chains. What are your thoughts with regard to the Fed?   Neal Bawa  46:29   I still think that we'll get one rate cut, and that rate cut will be based on political pressure. So, for the first time ever, I have seen the Fed break into factions, so if you look at the latest Fed meeting, which happened, you know, there was dissent, there were two clear factions, so the Fed is becoming less data driven and more faction driven, and I think that one of the factions, which obviously wants rate cuts to go down, is going to triumph at some point later in the year, but until we get past the incredible increase in inflation because of the Iran war, I don't think that faction is going to win. Right, there's three or four people in that faction, that's not enough votes to get past the others. So I'm predicting no rate cuts until Q4 of this year. If the Fed was entirely logical, there should still not be a rate card in Q4, but I think it'll happen because there's political pressure.   Keith Weinhold  47:25   The preservation of independence is key. Neil Bhawa, this has been great, and a lot of people learn from you. You're a brilliant educator, as well as what you're doing in the multifamily space, and a lot of other places. So, if someone wants to connect with you, learn more about what you do. What's the best way for them to do that?   Neal Bawa  47:43   So we built a website called Multi Family University. It's completely free. There is no subscription. There's no upsell. We do not have an educational product, but what we do is each year we have 8-12 webinars that we create with their extraordinarily good looking thanks to the use of AI. Yay, and we share them with an audience, and usually between 5000 and 1000 people attend our webinars each year, of which roughly 1% become investors with us. The rest, the remaining 99% just continue to get free access to data, and we cover every imaginable real estate topic: Single family, multifamily, industrial hotels, self storage, Airbnb, and even controversial topics outside of real estate, like climate change or impact of climate change and impact of AI. So you know, multifamily university is the best place you can go to, multifamily you.com/club It's a free club, and it's free forever.   Keith Weinhold  48:42   Neal, it's been valuable to our audience. Thanks so much for coming back out of the show.   Neal Bawa  48:46   Thanks for having me.   Keith Weinhold  48:53   Oh, a terrific, wide-ranging chat with Neal. There, yes, this interesting 2022 divergence between single family and multifamily, the slowing birth rate, and how that won't really catch up with real estate in a big way for perhaps 20 plus more years. How single family rentals beat multifamily on the basis of tenant retention, and a lot more that we covered there, and he's got a good data driven timeline for apartments being back in favor by 2027 and 2028 After the interview, Neil and I chatted some more off Mike, and he would like to come back on the show next year. We're probably going to have him, because we have a lot more to talk about at that time. We can see if the multifamily market is really healing. Also, did you pick up on this? I wonder why, for his own home he would get a 15 year mortgage at 1.75% interest, so I'll have to ask him about that. That's surely a fantastic interest rate, but a 15 year loan rather than a 30 year that maybe he could have gotten at two and a half percent at the time. Well, 15 year probably. Is not the best use of capital, because it increases your equity position rapidly. When instead, those dollars could have been out in the market earning an actual return somewhere else. But he's a smart guy, he must have an answer. We can talk about that at that time. We've got a lot of terrific shows coming up here on the GRE podcast, specific learning episodes, where it's just me teaching you, as well as new guests and returning guests too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 2  50:35   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.    Speaker 2  51:03   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.