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A forbidden love affair turns deadly when one teenage girl brutally murders the object of her obsession in 1892 Memphis, Tennessee.Sources:1. Coe, Alexis. Alice + Freda Forever. Millbrook Press, 2019.2. News 3 Channel, https://wreg.com/news/1892-memphis-teen-female-love-affair-turned-murder-is-new-opera/. Accessed 3 May 2026.3. Find A Grave, https://www.findagrave.com/memorial/15638529/frederica-ward. Accessed 3 May 2026.4. Public Ledger, 26 Jan. 1892.5. The Commercial Appeal, 29 May 1898.6. Bolivar Bulletin, 8 Apr. 1898.This Week's Episode Brought To You By:Shopify - $1 per month trial - http://shopify.com/lovemurderIndaCloud - If you're 21 or older, get 25% OFF your first order + free shipping with code lovemurder at https://inda.shop/lovemurderProgressive Insurance - Discover better rates at https://www.progressive.com/ ****Mint Mobile – Unlimited premium wireless for $15/month. Switch today at mintmoble.com/lovemurderBetterHelp - Convenient and affordable online therapy and counseling - https://betterhelp.com/lovemurder for 10% off your first monthFind LOVE MURDER online:Website: lovemurder.loveInstagram: @lovemurderpodTwitter: @lovemurderpodFacebook: LoveMrdrPodTikTok: @LoveMurderPodPatreon: /LoveMurderPodCredits: Love Murder is hosted by Jessie Pray and Andie Cassette, researched by Sarah Lynn Robinson and researched and written by Jessie Pray, produced by Nathaniel Whittemore and edited by Kyle Barbour-HoffmanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Trump Signs EO Slashing Number of Childhood “Vaccines” By Over 90%! 47 Now Publicly Breaking With Netanyahu On Iran War & Confirms He Told Israeli Leader “You're F*CKING Crazy!” Plus, UK Police Attack Peaceful Crowd Protesting Extermination of Whites by Invaders
In June 2004, a routine school day in Sasebo, Japan, ended in tragedy when 12 year old Satomi Mitarai was lured from her classroom and murdered by her classmate with a box cutter. As investigators dug deeper, they uncovered a friendship that had quietly fallen apart and evidence suggesting the attack had been building beneath the surface for days. What began as a shocking murder inside an elementary school would soon become one of the most infamous juvenile crime cases in Japanese history, raising difficult questions about childhood, bullying, and internet culture, while ultimately giving rise to the disturbing online phenomenon known as Nevada-tan.Our other podcast: "FEARFUL" - https://open.spotify.com/show/56ajNkLiPoIat1V2KI9n5c?si=OyM38rdsSSyyzKAFUJpSywMERCH:https://www.redbubble.com/people/wickedandgrim/shop?asc=uPatreon: https://www.patreon.com/wickedandgrim?fan_landing=trueYoutube: https://www.youtube.com/@wickedlifeFacebook: https://www.facebook.com/wickedandgrim/ Instagram:Instagram: https://www.instagram.com/wickedandgrim/?hl=enTwitter: https://twitter.com/wickedandgrimWebsite: https://www.wickedandgrim.com/
Send us a question/idea/opinion direct via text message!The tide has officially turned for mortgage interest rates. Following the Reserve Bank's razor-edge split decision to hold the OCR last week, borrowers are hitting a major structural shift. An estimated 40% of all New Zealand mortgage debt is exposed to repricing in the next six months alone - shifting from a mindset of two years of falling rates straight into a rising rate wall.This week, Nick Goodall and Kelvin Davidson analyse the macroeconomic consequences of this lag in monetary policy. We break down the newly updated Cotality Sales Volume Forecast Model, which officially strips 10,000 transactions out of our original 2026 projections.Plus, we dissect the internal vs. external board divide at the RBNZ, unpack the Government's council "consent bonus" budget initiative, and preview Thursday's upcoming May Home Value Index (HVI) results.This week we discuss:The Repricing Shock: Why 31% of fixed debt and 10% of floating debt are running directly into higher rates over the next six months.The 2-Year Fix Pivot: Why the mathematical reality of moving from a short-term fix to a 2-year runway means a 0.3% to 0.4% immediate lift in debt-servicing costs.Slashing the 2026 Model: Recalibrating the official housing metrics down to a flat 90,000 transaction ceiling for this year, with a potential slide below 90k in 2027.The Internal vs. External Divide: Analysing Cam Bagrie's take on why external MPC members are voting for rate hikes while internal RBNZ staff cling to optimistic GDP models.April Mortgage Lending Slowdown: Dissecting the $8 billion lending block and why bank switching and aggressive cashback windows are shutting.Council "Consent Bonuses": Reviewing the Government's infrastructure financial incentives for councils hitting high density targets.Sign up for news and insights or contact on LinkedIn, X @NickGoodall_CL or @KDavidson_CL and email ngoodall@cotality.com or kdavidson@cotality.comThis podcast is for educational and entertainment purposes only and does not constitute financial, legal, or tax advice. The hosts are not licensed Financial Advice Providers in New Zealand. All information is of a general nature and does not take into account your personal situation or goals. Please consult a qualified professional before making any financial decisions.
What if cutting half your team could be the secret to explosive growth?In this Fan Favorite episode, Cameron Herold sits down with Benjamin Surman, COO of Somewhere (formerly Support Shepherd), a company that rocketed from $1M to $25M and is still hungry for more. The conversation tackles the real-world, often-unspoken operational questions: When do you fire instead of hire? Where's the hidden margin in automation? Why are so many leaders clinging to headcount when systems could do the job faster, cheaper, and with less chaos?If you're addicted to the idea that bigger is always better, this episode will shake your assumptions. Miss it and risk drowning in legacy thinking while your competitors eat your lunch. Listen now for the strategic edge you won't hear anywhere else.Timestamped Highlights00:48 – The real reason behind a bold global rebrand02:29 – How one contractor quietly took the reins as COO08:54 – Why bootstrapping (not VC money) set the right culture11:00 – The micro-influencer lever that brings 4,000 referral partners13:25 – What no one tells you about hiring in Latin America17:41 – The $3M decision: Slashing 120 employees with zero regrets20:13 – Behind the curtain of an automated sales pipeline25:37 – The COO playbook for uncovering invisible inefficienciesAbout the GuestBenjamin Surman is the Chief Operating Officer of Somewhere, a hyper-growth headhunting agency revolutionizing global talent acquisition. With a relentless focus on automation and operational excellence, Benjamin Surman has scaled the business from $1M to over $25M in just three years.
The Government's new goal of cutting public service staff costs, by telling departments to replace staff with AI, is expected to save $2.4 billion over the next four years, Finance Minister Nicola Willis says.PSA National Secretary Duane Leo joins us to talk about what this means.We'll also highlight several stories around the new Government policy including saying they'll use AI but not being able to articulate what AI is, or how they would use it.++++++++++++++++++++Like us on Facebook.com/BigHairyNetwork Follow us on Twitter.com/@bighairynetworkFollowing us on TikTok.com/@bighairynetworkSupport us on Patreon www.patreon.com/c/BigHairyNewsCheck out our merch https://bhn.nz/shop/Donate to our work https://bhn.nz/shop/donation/
Texas is taking a bold stand against excessive regulations. In this episode of The Right Idea, Brian Phillips and Derek Cohen sit down with Jerome Greener, Director of the Texas Regulatory Efficiency Office (TREO), to discuss the state's aggressive new push to cut red tape and boost economic freedom.The team breaks down TREO's first major findings — nearly $120 million in potential savings from just the initial review of 11 agencies — and how they're using AI to make government work better for Texans. From licensing reforms for electricians, plumbers, and HVAC techs to modernizing outdated rules, this is one of the most ambitious regulatory reform efforts in the country.Plus: The growing focus on government fraud and waste, why Texas needs this office despite its pro-business reputation, and how everyday Texans can help shape the next round of cuts.01:08 – Hot Take: Government Fraud & Waste in 202604:16 – Guest Introduction: Jerome Greener, Director of Texas Regulatory Efficiency Office (TREO)06:22 – $123 Million in Potential Savings Explained07:53 – Why Texas Still Needs Major Regulatory Reform08:49 – How TREO Differs from the Sunset Process09:59 – The Massive Texas Administrative Code: 20 Million Words & 274K Restrictions10:23 – What Makes a Regulation Too Burdensome?11:30 – TREO's Review Process & Multi-Layer Accuracy Checks13:04 – How the Public Can Submit Regulations for Review14:17 – How Texas Compares to Virginia & Florida15:55 – Meet “Sam” — Texas' Powerful AI Regulatory Chatbot17:59 – A One-Stop Tool for Licensing & Rules20:00 – Transparency, Agency Follow-Through & Future Savings21:39 – Long-Term Vision: Billions in Savings & Millions of Words Cut23:22 – Creating Government to Cut Government? Addressing Conservative Concerns25:02 – Working with the Texas Legislature on Statutory Changes26:47 – Real Examples of Regulatory Modernization29:26 – Future Plans: Taking on Local Government Regulations?30:40 – Balancing Safety, Freedom & Prosperity31:55 – How Texans Can Engage with TREO
Comments/ideas: ACFpod@outlook.comCooling is responsible for 15 per cent of global emissions and uses nearly two thirds of the electricity in commercial buildings. In this episode, Sam Ringwaldt from Conry Tech explains how modular micro units can cut cooling energy by 70 per cent and increase asset valuations by 18 per cent. We explore the rise of Comfort as a Service, the next generation of deep‑tech retrofits, and what this means for commercial buildings and AI data centres across the Asia Pacific region. It is a clear and practical look at why energy efficiency is becoming a financial strategy for the climate sector rather than simply an engineering decision.REF: Conry Tech, ABOUT SAM: Sam Ringwaldt is a Founder and the CEO of Conry Tech. Sam is an experienced industry leader, with 20 years of experience in building up HVAC companies, growing teams, and promoting new HVAC technologies worldwide. Sam was responsible for introducing Turbocor Technology into the North American and Australasian markets, driving its growth till it became today's dominant HVAC technology, and was able to lead both governments and the private sector to embrace the new technology, adjusting building standards, and driving new frontiers of sustainability and energy efficiency.HOST, PRODUCTION, ARTWORK: Joseph Jacobelli | MUSIC: Ep76 onward excerpts from Vivaldi's La Follia, played by Luca Jacobelli.
What if the timelines for world-changing quantum computing aren't dictated only by hardware manufacturers, but also by the sheer power of a better idea? In this episode, host Konstantinos Karagiannis sits down with Toby Cubitt, the co-founder and CTO of Phasecraft, to explore how clever mathematics and algorithmic breakthroughs are slashing the requirements for quantum advantage by orders of magnitude. Toby shares how his team has already knocked factors of one million off the gate counts for critical simulations, effectively buying a decade of hardware development through pure software innovation. Q-Day and the shifting goalposts of breaking RSA encryption are a reality, but the discussion also covers revolutionizing the very materials that power our batteries and industrial catalysts.Beyond the technical benchmarks, Toby pulls back the curtain on the Wild West era of quantum computing, drawing fascinating parallels to the vacuum tubes and mercury delay lines of the 1950s. He also moves on to myths such as: Will AI make quantum computing obsolete? Can you actually run ChatGPT on a quantum processor? Whether you are a business leader looking to "Nitro-inject" your classical optimization workflows or a science enthusiast eager to hear from a world expert who has access to every major quantum machine on the planet (from Google's Willow chip to IBM and Quantinuum) this episode is a hype-free must. For more information on Phasecraft, visit www.phasecraft.io/.Visit Protiviti at www.protiviti.com/US-en/technology-consulting/quantum-computing-services to learn more about how Protiviti is helping organizations get post-quantum ready. Follow host Konstantinos Karagiannis on all socials: @KonstantHacker Questions and comments are welcome! Theme song by David Schwartz, copyright 2021. The views expressed by the participants of this program are their own and do not represent the views of, nor are they endorsed by, Protiviti Inc., The Post-Quantum World, or their respective officers, directors, employees, agents, representatives, shareholders, or subsidiaries. None of the content should be considered investment advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. Thanks for listening to this podcast. Protiviti Inc. is an equal opportunity employer, including minorities, females, people with disabilities, and veterans.
SantiZap and SanchoWest talk about the recently TKO salary cuts and the departure of NEW DAY from the WWE.
Watch this episode ad-free by joining the ITBR Patreon! patreon.com/ivorytowerboilerroom-----First-time guest Mike Bockoven is here! Mike specializes in horror literature, so I knew he'd make the perfect guest considering our year-round love of all things spooky and bloody. He's written FantasticLand, Pack, Killing It, and Come Knocking.On today's episode, Mike gives us some insight on his writing process, his biggest horror inspirations and how real-life fears on the horrors that others can do can be incorporated into your art and literature.Wanna know more about Mike Bockoven and check out all of his thrilling novels? Check out the link below!MIKE BOCKOVEN | The Official Site of the Author-----Follow ITBR on IG @ivorytowerboilerroom and TikTok @dr.andrewrimbyBe sure to subscribe to our YouTube channel where you can watch video episodes of the podcast: https://www.youtube.com/@ivorytowerboilerroomThanks to our following sponsors! To subscribe to The Gay and Lesbian Review visit glreview.org. Click Subscribe and enter promo code ITBRChoice to get a free issue with a subscription purchase. Follow them on IG @theglreview and TikTok @g_and_lrHead to Broadview Press, an independent academic publisher, for all your humanities related books. Use code ivorytower for 20% off your broadviewpress.com order. Follow them on IG @broadviewpress.Thanks to the ITBR team! Dr. Andrew Rimby (Host and Director), Mary DiPipi (Chief Contributor), and Sean Penta (Intern)
Roblox stock plummeted after the company slashed its full-year bookings forecast, admitting that new age-verification and child-safety features are creating major short-term friction for user growth. Roblox CEO Dave Baszucki speaks with hosts Caroline Hyde and Ed Ludlow.See omnystudio.com/listener for privacy information.
Send me a text (I will personally respond)Are your discovery calls turning into data dumps that stall deals instead of moving them forward? Frustrated by sales cycles that take forever to close, or feel like discounting is your only lever at the finish line? Looking for actionable strategies to help your team become both faster and more effective in closing cybersecurity deals? This episode brings you proven frameworks from a leader who faced (and fixed) these very challenges.In this conversation we discuss
Gene puts a wrap on todays events & gets you all set for Friday's show.
An alliance of regional banks are calling for more action to protect face to face services in the bush. The Regional Banking Investment Alliance warns a moratorium on bank closures until 2027 only covers the big four banks, and doesn't do enough to ensure customers have access to banking services. Rural Editor Emily Minney spoke with Queensland Country Bank Chief Executive Aaron Newman about the concerns.See omnystudio.com/listener for privacy information.
The reduced interest is partly due to the involvement of Amazon Billionaire Jeff Bezos and his wife, Lauren Sanchez, as honorary co-chairs and lead sponsors, while lead chairperson Anna Wintour works to maintain the gala's relevance amid shifting cultural dynamics. The demand just isn't there," an insider told Rob Shuter about the 2026 gala, noting that fashion brands previously paid a $350,000 premium per table for the 2024 and 2025 events, a price that has proven unsustainable.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
This week, Metro Council passed two bills — and a whole bunch of amendments — that will shape the future of the development planned for the scrapyard site for years to come. (BTW: It's Wasioto Bend now.) On Today's Friday News Roundup, host Marie Cecile Anderson, newsletter editor Margaret Kingsbury, and executive producer Whitney Pastorek are walking through those amendments. They're also wondering how we're supposed to breathe when our air quality just got a F, and NES is chopping away at trees. But hey! At least we get to vent about the Super Bowl in our new bonus segment, Hell Naw. Get more from City Cast Nashville when you become a City Cast Nashville Neighbor. You'll enjoy perks like ad-free listening, invitations to members only events and more. Join now at membership.citycast.fm/nashville Early voting is open now for select county judges, school board members, county clerks, and more. Here's the list of candidates. Here is a sample ballot for the May 5 election with early voting locations and hours. If you haven't yet registered to vote, you cannot vote in the May 5 primary election — but you can still register for the state and federal primary election on Aug. 6. Learn more about the sponsors of this April 24th episode: Taskrabbit Want some more City Cast Nashville news? Then make sure to sign up for our Hey Nashville newsletter. Follow us @citycastnashville You can also text us or leave a voicemail at: 615-200-6392 Interested in advertising with City Cast? Find more info HERE.
This week I recap a busy week including corporate AI stories, Workday's AI reinvention, more on tech Layoffs, and fears of AI-driven surveillance. The important story is that Enterprise AI is much more complex than most imagine yet the AI vendors like Anthropic and OpenAI make it sound deceptively simple. In reality, as I explain, we are one year into the total reinvention of all business functions, with HR top on the list. And as I explain, the vision of enterprise success is now clear, but the vendor market is incredibly insecure. I think you'll find Workday's story compelling, but it's not the only option out there. On the news side, we saw the “pre-layoffs” of 10% of all Meta employees, elimination of family benefits at Deloitte and Zoom, and some amazingly creepy surveillance at Meta's AI group. I review all this and try to give you some context. As you listen I encourage you to read our 2026 Enterprise AI Imperatives and the preview of HR 2030, our in-depth look at where AI in HR is going. An in-depth review of Workday's new AI strategy is coming this next week. Additional Resources Meta Employees React to Massive Layoffs to Come Deloitte and Zoom Take the Lead in Slashing the Most Coveted Benefits The week that Meta employees became training data Why AI Is A Massive Job-Creation Technology, Despite What You Think Workday and Sana Unveil A Bold New Strategy For AI Chapters (00:00:00) - Enterprise AI: Where we are?(00:02:10) - Workday's AI push with Sana(00:09:53) - WSJD Live: The Workday World(00:11:10) - Agent Companies: What to Avoid(00:13:36) - Microsoft's Layoffs, and More(00:18:07) - Facebook's Surveillance of Employees
California's record-setting heatwave in March caused snow to melt and vegetation to dry out earlier than normal this year. Those conditions could provide lots of fuel for wildfires and hasten the start of fire season. Meanwhile, the Trump administration has gutted the U.S. Forest Service, which manages close to 60 percent of our state's forest areas, and plans to close six research centers in California. We'll dig into how those factors could influence wildfires this year and how you can prepare. Guests: Craig Clements, professor of meteorology, director of the Wildfire Interdisciplinary Research Center at San Jose State University Marianne Lavelle, Washington, D.C. bureau chief, Inside Climate News Adrienne Freeman, assistant director for communications for fire and aviation management, US. Forest Service Brent Pascua, battalion chief, Cal Fire Learn more about your ad choices. Visit megaphone.fm/adchoices
Headlines here II - A teenage boy in Adelaide has become the first person to be charged under laws introduced in 2024 that criminalise the creation of deepfake pornography. - NSW Minn's Anti Protest Laws bite the dust.- The commissioner for indigenous children has condemned the unreasonable use of force by an off-duty police officer on a 13 year old girl. - Middle Eastern update- Sudan update- Viva Oil Refinery Fire Corio - call for a review of Viva by Friends of the EarthVigil 4 Lebanon here II Vigil for Lebanon Sydney 15th April - Recorded by Vivian Langford 3cr Climate Action Show Monday 5pm.Henry Reynolds Reframing Australian History here II Historian Henry Reynolds joins us to talk about Australian History: Reframing the past, realising the future. Catch the Sorrento Writers' Festival Session featuring Rachel Perkins and Henry Reynolds with Santilla Chingaipe Friday 24th AprilThis is the Week here II Kevin Healy dices the week with satire.Vic Govt Slashing Environment Protection here II We speak with Jordan Crook from the Victorian National Parks Association about the Victorian Government's gutting of key nature institutions.
There's a lot happening at the U.S. Forest Service right now, including a full blown agency restructure just as a potentially historic fire season gets underway. To demystify all these changes and what it means for wildfires this year, we talked to former Forest Service Chief Tom Tidwell, and former hotshot and current wildfire researcher Camille Stevens-Rumann. Hosted and produced by executive editor Natalie Krebs. Edited by Mike Pedersen / Eighty Five Audio. Learn more about your ad choices. Visit megaphone.fm/adchoices
This is the evening All Local for April 11, 2026.
Air Chathams revealed it's cutting a significant number of North Island flights, including 45 percent of flights between Whakatane and Auckland. Last year, the government anounced it would support "at risk" regional routes through a 30 million dollar loan scheme. Associate Transport Minister James Meager spoke to Lisa Owen.
Walmart put its foot down against a major company when they told them that their prices are too high. People stopped purchasing the product so Walmart told them to lower their prices or they will get less shelf space... Directed towards nobody whatsoever (on Eddie's birthday) Thor decided to rant against the "stupid tradition" of buying gifts and cards for people's birthdays during today's Midweek Meltdown The Artemis II has really inspired Eddie and reinvigorated his love for space and Sci-Fi. So much that we found a list of the top Sci-Fi movies and Eddie has some very strong feelings about it.See omnystudio.com/listener for privacy information.
Walmart put its foot down against a major company when they told them that their prices are too high. People stopped purchasing the product so Walmart told them to lower their prices or they will get less shelf space... Directed towards nobody whatsoever (on Eddie's birthday) Thor decided to rant against the "stupid tradition" of buying gifts and cards for people's birthdays during today's Midweek Meltdown The Artemis II has really inspired Eddie and reinvigorated his love for space and Sci-Fi. So much that we found a list of the top Sci-Fi movies and Eddie has some very strong feelings about it.See omnystudio.com/listener for privacy information.
1 in 5 Home sellers are cutting their asking prices in several major metros in the U.S. I discuss where this is happening the most and whether or not we should be concerned.
Harley-Davidson notified an undisclosed number of workers that it would reduce its global workforce, Wisconsin Public Radio reported. A company spokesperson confirmed the layoffs but did not specify the number of impacted workers or where they work. WPR cited the sub-district director of the United Steelworkers District 7, who stated that none of the union's 500-plus members at Harley-Davidson facilities in Milwaukee or Menomonee Falls, Wisconsin, will be affected by the job cuts.The motorcycle manufacturer recently reported a 26% drop in profits from 2024 and an operating loss of $29 million in 2025. It added that new or increased tariffs cost the company $67 million in 2025 and posted a fourth-quarter gross profit loss of $30 million, compared to a $3 million loss in the same period in 2024, which it partially attributed to rising tariff costs. The company estimates that tariffs will cost it between $75 million and $105 million in 2026. #HarleyDavidson #Layoffs #Manufacturing #Tariffs #BusinessNews #Motorcycles #Economy #Workforce #JobCuts #IndustryNews #SupplyChain #MadeInUSA #USManufacturing #EconomicOutlook #CorporateStrategy #Restructuring #ProfitLoss #FactoryJobs #MarketTrends #GlobalBusiness #AutomotiveIndustry #FinanceNews #Leadership #CEO #IndustrialNews
Today on CarEdge Live, Ray and Zach discuss the latest news on Toyota and Nissan. Tune in to learn more! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
Gregory Copley argues Europe suffers from a leadership vacuum caused by post-WWII dependency on the US and bureaucratic corrosion within the EU, with economic recovery requiring slashing regulations as current welfare models become unsustainable amidst geopolitical threats.1900 BRUSSELS PLACE OF MARTYS
Become a member at www.blackwhitenetwork.com for just $10 per month with a 7 day FREE TRIAL and get exclusive content and extra discounts on merch!Member stream at 10am CST every Friday UNCENSORED!Locals: https://blackandwhitenetwork.locals.comBecome a monthly subscriber to the podcast: https://podcasters.spotify.com/pod/show/blackandwhitenetwork/subscribeFollow us on Rumble: https://rumble.com/user/BlackandWhiteNewsFollow Black and White Sports on Rumble: https://rumble.com/user/BlackandWhiteSports
Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country. You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties. Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education. Corey Coates 0:30 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Keith Weinhold 1:14 mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com Speaker 1 2:17 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 2:33 Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession, Speaker 2 4:23 you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be. Speaker 3 4:34 Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed. Keith Weinhold 5:43 Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition. Keith Weinhold 10:48 Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today. Keith Weinhold 14:38 I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down, Jim Sheils 15:35 yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing. Keith Weinhold 17:11 Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region. Jim Sheils 17:20 Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want. Keith Weinhold 19:15 That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today. Jim Sheils 20:22 Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market. Keith Weinhold 20:47 Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years. Jim Sheils 21:05 Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago. Keith Weinhold 22:47 Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that. Jim Sheils 23:14 I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well. Keith Weinhold 24:42 We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold, Keith Weinhold 25:03 flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre. Keith Weinhold 25:39 You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989, Keith Weinhold 26:51 the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com Ken McElroy 27:26 this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream. Keith Weinhold 27:40 Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida. Jim Sheils 28:39 Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region. Keith Weinhold 30:59 It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side, Jim Sheils 31:17 depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary. Keith Weinhold 31:38 Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones. Jim Sheils 32:09 One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is Keith Weinhold 34:50 for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down? Jim Sheils 35:07 You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal. Keith Weinhold 36:18 Tell us more about the property types, new build single family homes, new build duplexes. Jim Sheils 36:23 You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex. Keith Weinhold 37:13 We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that? Jim Sheils 37:35 Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis. Keith Weinhold 38:09 That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well. Jim Sheils 38:16 There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up. Keith Weinhold 38:59 We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on. Jim Sheils 39:38 Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy. Keith Weinhold 42:48 I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties? Jim Sheils 43:26 Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense Keith Weinhold 45:09 to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week? Jim Sheils 46:52 I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of. Keith Weinhold 47:13 You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show. Jim Sheils 47:21 Thanks for having me, Keith. Keith Weinhold 47:27 Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 5 51:00 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. Keith Weinhold 51:29 The preceding program was brought to you by your home for wealth, building, get richeducation.com
We are live from Mardi Gras Apparel Superstore in Harvey where Roger is SLASHING prices on Mardi Gras apparel you can't find anywhere else.. somewhere in the madness we also manage to have a broadcast
Our guest this week is Kevin Damoa, founder and CEO of Glīd Technologies. Damoa discusses Glīd, the world's first autonomous road-to-rail solution, which addresses the problem of ensuring accessibility to both road and rail corridors. Glīd autonomous vehicles pick up fully loaded semi-trailers from the port or road, and then transfer directly to rail. The conversation with Damoa highlights the commercial start of Glīd, driven by the need for quick revenue generation. He also mentions the challenge of securing capital for a robotics startup. Learn more about Glid: https://www.glidtech.us/ ### – SPONSOR – Download the 2026 State of the Robotics Industry Report: https://www.therobotreport.com/state-of-robotics-industry-report-2026/
On today's show: Stephen Miller's stunning claim the U.S. is “in charge” of Venezuela, Trump's oil extortion tactics, U.S. blockade, and the administration's cruel cuts to federal childcare funds for working families.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE
Thank you Cheryl Elkins
Mike Switzer interviews Ari Goodstein, CEO of LawLens in Summerville, SC.
Ministry of Justice figures show the specialist addictions court is improving re-offending outcomes at rates far higher than the prison-based initiatives.
Are the Yankees looking to get their payroll under $300 million? Plus, Mike McCarthy speaks about Jaxson Dart and we talk quarterbacks with Rich Cimini. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Gen Z doesn't have a lot of money for Christmas presents, so they're getting... creative with their gifting. So lets talk about the economy, Gen Z and holiday spending.Watch this podcast episode on YouTube and all major podcast hosts including Spotify.CLOWNFISH TV is an independent, opinionated news and commentary podcast that covers Entertainment and Tech from a consumer's point of view. We talk about Gaming, Comics, Anime, TV, Movies, Animation and more. Hosted by Kneon and Geeky Sparkles.D/REZZED News covers Pixels, Pop Culture, and the Paranormal! We're an independent, opinionated entertainment news blog covering Video Games, Tech, Comics, Movies, Anime, High Strangeness, and more. As part of Clownfish TV, we strive to be balanced, based, and apolitical. Get more news, views and reviews on Clownfish TV News - https://more.clownfishtv.com/On YouTube - https://www.youtube.com/c/ClownfishTVOn Spotify - https://open.spotify.com/show/4Tu83D1NcCmh7K1zHIedvgOn Apple Podcasts - https://podcasts.apple.com/us/podcast/clownfish-tv-audio-edition/id1726838629
Butler University named Michael Hole as its next executive vice president and provost Thursday. Indiana State Police say they are investigating multiple swatting incidents against members of the Indiana General Assembly. A new initiative aims to give the public more data on the actions of Indianapolis police and crime in the city. Indiana slashed funding for child care for low-income families over the last year after federal pandemic aid ran out.
Butler University named Michael Hole as its next executive vice president and provost Thursday. Indiana State Police say they are investigating multiple swatting incidents against members of the Indiana General Assembly. A new initiative aims to give the public more data on the actions of Indianapolis police and crime in the city. Indiana slashed funding for child care for low-income families over the last year after federal pandemic aid ran out. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.
Flight schedules have returned to normal. AP correspondent Mike Hempen reports.
#EP317 The solar industry faces a defining moment in Q4 2025. While regulatory challenges create uncertainty, well-capitalized players treat this period as a buying opportunity. Daniel Dus, CEO and founder of Cleantech Industry Resources (CIR), breaks down the market dynamics and explains how his company's global expertise positions it to thrive during industry consolidation.Daniel Dus founded CIR to provide development, construction, and operations services for solar and battery storage projects. His team of 140 professionals across three offices in India and the United States brings proven experience from building some of the world's largest solar installations, including work with Adani Green Energy as it scaled from startup to 16 gigawatts in operation.Key Discussion Points:The current solar market has split into thirds: one-third undercapitalized and struggling, one-third in wait-and-see mode, and one-third aggressively acquiring projects with strong capital backing - creating opportunities for companies like CIR that can execute complex transactions.CIR serves 150 clients across the solar value chain, providing everything from interconnection studies and permit-ready planset packages to full EPC services, with particular expertise in rescuing distressed projects and navigating complex utility requirements.CIR's competitive advantage comes from its India-based technical teams, who have worked on massive international projects, bringing world-class expertise at competitive rates to US developers who struggle with margin compression.Solar Fight Night, Dus's passion project since 2008, has raised nearly $2 million for clean energy nonprofits through 24+ events. The 2025 event at Las Vegas's Zouk Nightclub drew over 3,300 attendees, the largest crowd in the event's history.Tim Montague is an affiliate of CIR and welcomes developers and EPCs to contact him for more information about working with CIR. [Book here: https://calendly.com/tim-montague/30min]Connect with Daniel Dus, CIR LinkedIn: www.linkedin.com/in/danielrdusWebsite: cleantechindustryresources.comSolar Fight Night: www.solarfightnight.org/ Support the showConnect with Tim Clean Power Hour Clean Power Hour on YouTubeTim on TwitterTim on LinkedIn Email tim@cleanpowerhour.com Review Clean Power Hour on Apple PodcastsThe Clean Power Hour is produced by the Clean Power Consulting Group and created by Tim Montague. Contact us by email: CleanPowerHour@gmail.com Corporate sponsors who share our mission to speed the energy transition are invited to check out https://www.cleanpowerhour.com/support/The Clean Power Hour is brought to you by CPS America, maker of North America's number one 3-phase string inverter, with over 6GW shipped in the US. With a focus on commercial and utility-scale solar and energy storage, the company partners with customers to provide unparalleled performance and service. The CPS America product lineup includes 3-phase string inverters from 25kW to 275kW, exceptional data communication and controls, and energy storage solutions designed for seamless integration with CPS America systems. Learn more at www.chintpowersystems.com
“Do you believe in climate change?” is the wrong question. On this episode of The Difference Makers Podcast, Dr. Joseph Ramos sits down with veteran Denver meteorologist Marty Coniglio to reframe the conversation around data, not belief and to dig into how weather, climate, aviation, and the legal system intersect.In this episode:- Why “belief” doesn't belong in physical science—only data- Forecasting then vs. now: supercomputers, models, and what still trips them up- AI in weather: powerful aggregator, not an oracle- NOAA vs. AMS (what they do, why funding and observations matter)- Weather and aviation: pilot decision-making, accidents, and expert testimony- The December 15, 2021 wind event, dust storms, wildfires & liability- Marty's journey: TV career, immigrant family roots, and life after broadcastPodcast Chapters:00:00:31 Introduction to Marty Coniglio00:00:48 35 Years on Denver Television 00:02:16 A Man of Many Talents: Scientist, Musician, & Pilot 00:03:29 Upbringing in Nebraska 00:05:33 The Immigrant Legacy: Why Education Was Non-Negotiable 00:08:06 A Drastic Career Change: From Psychology to Meteorology 00:10:41 The Appeal of Hard Science: "You Can't Fool Mother Nature" 00:11:48 Life After TV: Becoming an Expert Legal Witness 00:12:14 The First Case: A 1995 Hot Air Balloon Crash 00:13:31 What Does a "WXPERT" Do? (Slips, Crashes, & Wildfires) 00:16:35 The Historic December 2021 Derecho Wind Event 00:19:02 The "Wrong 50% of the Time" Joke 00:19:36 How Did Weather Forecasting Actually Get So Good? 00:20:14 The D-Day Forecast: One of the Greatest of All Time 00:23:58 A Fatal Example: When Budget Cuts Turn Deadly 00:25:32 Will AI Replace Meteorologists? 00:30:41 Are Emmys for Accuracy or Presentation? 00:31:16 Explaining the System: AMS vs. NOAA 00:35:20 The Dangers of Slashing the NOAA Budget 00:39:31 "Do You Believe in Climate Change?" is the Wrong Question 00:41:44 Does He Still Check the Weather Every Day? 00:43:13 Enjoying the Transition from TV to the Home Office 00:44:00 "I Don't Care Who Wins": The Ethics of an Expert Witness 00:45:33 "Pigs Can Fly in Court": When the Jury Gets it Wrong 00:50:31 The Hard Truth About Slip & Fall Cases 00:52:03 Conclusion Ramos Law — Law firm serving clients nationwide in Personal Injury, Consumer Protection, and Aviation Law.If you've been injured in an auto accident, slip and fall, are dealing with credit report errors/mixed files, debt collection issues, or need aviation attorneys for pilot medicals, certificate defense, or aviation accidents—contact us for a free consultation. No fees unless we win.
Every year the President of the United States determines how many refugees can enter this country. The law says he must consult Congress on this number. But last week President Trump announced just 7,500 refugees would be admitted in the coming fiscal year – a 94% cut from the 125,000 cap set by President Joe Biden.Sharif Aly leads the International Refugee Assistance Project - an organization that helps refugees and other immigrants navigate the legal process of resettlement. The International Refugee Assistance Project is also challenging Trump's suspension of the U.S. Refugee Admissions Program. Aly joined Consider This host Juana Summers to discuss how this historic drop means for the US refugee resettlement system.For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org. Email us at considerthis@npr.org.This episode was produced by Jonaki Mehta, Connor Donevan and Karen Zamora, with audio engineering by Becky Brown and Simon-Laslo Janssen. It was edited by Courtney Dorning. Our executive producer is Sami Yenigun.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy
This week Duane and Elliott discuss some of the local racing from Kokomo and Montpelier Motor Speedway as well as national results. We also talk about the new trend of the bigger teams slashing used tires preventing smaller teams from using them. We also discuss the huge turnout for West Virginia Motor Speedway's re-opening which saw 232 cars show up.
Too many hosts believe that lowering their nightly rate will magically generate bookings. The truth? Dropping your price doesn't create demand—it only leaves money on the table. In this episode, Sarah and Annette break down why cutting rates doesn't work, what demand actually is, and the smarter levers you can pull to increase bookings and profitability.You'll learn:Why lowering your price doesn't change guest search behaviorHow to understand supply, demand, and occupancy forecasts in your marketThe risks of attracting the wrong guests with discount pricingWhat a true “try everything” strategy looks like (and what it doesn't)Practical steps to audit your listing, amenities, and calendar managementHow to take control of your demand through marketing, referrals, and direct bookingsIf you're tired of feeling like your only option is slashing rates, this episode will help you rethink your approach and start running your rental like the business it is.Resources: Booked & Profitable Bootcamp – Five days of live training with Sarah and Annette to help you increase revenue and improve your hosting business. PriceLabs – A dynamic pricing tool that helps you understand occupancy forecasts and market demand so you can price smarter. Learn moreMentioned in this episode:Make More Money This Year! Join us for a Boot Camp!Make More Money This Year! Join us for a Boot Camp!Make More Money This Year! Join us for a Boot Camp!StayFi | Go to www.stayfi.com and enter TFV to get 50% off your first three months.
America's health secretary, RFK Jr, is known for his opposition to vaccines, particularly mRNA jabs, that have the potential to treat a large swathe of diseases. Slashing funding will have long term implications beyond America. Our correspondent visits Britain's biggest and newest supercomputer. And why Mexicans love Japanese and Korean culture. Listen to what matters most, from global politics and business to science and technology—Subscribe to Economist Podcasts+For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.
America's health secretary, RFK Jr, is known for his opposition to vaccines, particularly mRNA jabs, that have the potential to treat a large swathe of diseases. Slashing funding will have long term implications beyond America. Our correspondent visits Britain's biggest and newest supercomputer. And why Mexicans love Japanese and Korean culture. Listen to what matters most, from global politics and business to science and technology—Subscribe to Economist Podcasts+For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.
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