Podcasts about Smaller

Keith discusses strategies to avoid capital gains tax on primary residences, highlighting the potential impact of the "No Tax on Home Sales Act" proposed by Representative Marjorie Taylor Greene.  He explains the current tax exemption thresholds of $250,000 for singles and $500,000 for married couples, noting that 34% of homeowners could exceed the single filer threshold.  Keith also explores the rise of small investors in the housing market, representing 30% of purchases, and the potential of peer-to-peer storage and parking platforms to generate income from underutilized property.  And concludes with a critique of government dependency through Section 8 housing. Resources: You can see the video footage of that section 8 clip here. Show Notes: GetRichEducation.com/565 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, when you sell your primary residence, you need to pay capital gains tax. Learn how to avoid it, then how to increase your rental income with new peer to peer platforms. And finally, a perspective on capitalism and collectivism, with Section Eight housing today on get rich education.    Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key 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   Speaker 1  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from st, Joseph, Missouri to st, Albans, Queens in New York City and across 188 nations worldwide. I'm Keith weinholden. You and I are back together here for another wealth building week. This is get rich education, the Treasury and the Fed keep conspiring to print dollars like crazy, create currency, debasing every single dollar that you're currently holding onto. They are stealing your purchasing power, stealing the value of your work and your grit. It makes dollars pretty fake, since they can just be conjured out of thin air, therefore your job is to convert fake dollars into real assets. That's what you need to do, and this is a strategy that dominates. Like Sydney Sweeney, they print more money, causing inflation, so you have to invest in assets, but then they put a capital gains tax on those assets so that most people never escape inflation. But of course, as real estate investors, we have a strategy to avoid capital gains taxes. Well, I'll talk about that more later.   Keith Weinhold  2:46   I mentioned to you on an earlier episode that I recently attended my high school class reunion in Pennsylvania. It was just a few weeks ago, out in a rural area with a lodge and trees and grass and inflation came up in a conversation between me and a few classmates that was some time before we played cornhole in badminton. I talked about how I sort of enjoy spending money. One classmate replied that he is cheap. I don't really directly respond to something like that, but my preeminent thought when someone says that they're cheap is that life is too short to be cheap. There is a way to guarantee an improvement to your quality of life and your standard of living, and that is spending it can do exactly that invest Well, first, that's an antecedent, and then you can spend now, in the short run, when you're young, living below your means that can make some sense, until you've accumulated some Capital, sure, but when you're age 30 to 35 plus, like my classmates and I are Sheesh, you've got to have yourself figured out better by then than to still be cheap make your quality of life exceed your cost of living, because at least here on Earth, this is your last life ever the risk of too much delayed gratification is denied gratification. So be more frugal with your time than your money. And a lot of people point to external circumstances for their circumstances. Most people wait for the economy to change, not realizing that your mindset is the economy that you live in with each property that you own, you just created another small economy that you are in control of. You are at the top of it. Yeah, you created. Another small economy, the actors in it are you, your tenant, your lender, your property manager, your contractors, your utility companies and more, and you control it all. Most people think wealth is created from high salaries, and they go their entire life, therefore chasing the wrong thing, thinking that wealth is created by high salaries all along it squarely is not you get wealthy by owning things, and you certainly won't get wealthy by being cheap. Now, when it comes to owning things, the government taxes you when you profit on those things during your ownership period of them at sale time through the capital gains tax. And of course, we've talked about the specifics in how real estate investors can completely duck out of that with the 1031 tax deferred exchange. But what about homeowners, primary residence owners, they often have to pay it well. President Trump and Representative Marjorie Taylor Greene recently suggested either removing this tax or reforming it. Now this would require congressional approval, but most members of Congress own their home, so they could very well be in favor of it. And green introduced what is simply called the no tax on home sales act.    Keith Weinhold  6:29   Let's discuss how this can affect you, especially if you're a homeowner, or even if you don't own a home under the current law, which has been in place since 1997 on a primary residence, your first 250k of profit is sheltered from tax if you're single, the first 500k is sheltered if you're married. This is called the primary residence capital gains tax exemption or exclusion. Let's use an example. Say you bought a home years ago for 500k you're married and you sell the home for $1.3 million that's an 800k gain, alright? Since the first 500k is sheltered from capital gains tax, you would therefore have to pay the tax on just 300k on all but the lowest earners, your capital gains tax is 15 to 20% so this means if you sell this home on that 300k of profit, you'd have to pay a tax bill of between $45k and $60k and you might not be done there. You could also be subject to a net investment income tax of 3.8% on top of that, you cannot duck out of this because the 1031 exchange that's only for investment property, not primary residences, like we're talking about today, with home prices on the rise so much over the last five years, how many people exactly could be subject to this tax? 34% of homeowners could exceed the single filer threshold, and 10% could exceed the married filer threshold. Another way to say this is that only about 10% of US homes have more than 500k of equity in them, and it's the homeowners in high cost states that are most likely to be impacted here, New York, New Jersey, Massachusetts, California and Hawaii, states like that. So therefore this tax it acts as a deterrent to people selling their homes. Now, what about, say, an elderly person with a really modest income that bought a home in Los Angeles for $30,000 back in 1970 and now it's worth $15 million well, they actually would not get caught in this net, because, like I said, for those with lower incomes, and it's below about 47k for single or 94k married, the capital gains tax rate is zero. For most of you listening again, it's going to be 15 to 20% one reason for the President and others wanting to cancel the capital gains tax on primary residences like this is to get the housing market moving again and get more homes available for sale on the market. Now these 250k and 500k thresholds, they have not moved since 1997 almost 30 years here, they haven't been adjusted for inflation and the median home sales price, it's jumped about 190% in that time it was 145k back in 1997 it's 435k today. So is. Home prices appreciate, more and more people will get caught up in paying the capital gains tax if your home value goes up by 10k That's another 10k that's subject to this 15 to 20% Capital Gains Tax, with that erstwhile possible net investment income tax on top of that. Well, what can you do about this growing capital gains tax obligation that you'll have that a lot of homeowners aren't even aware of? Well, even fewer realize that it is possible to reduce your home sales profit by adding capital improvements. That means making home renovations to the original purchase price. So therefore that home kitchen renovation that you were thinking about doing, well that might not be as costly as you think, if it reduces your capital gains tax at sale time to reset what we're talking about here, it's been proposed that the capital gains tax be removed when you sell your primary residence. Usually, we discuss tax on investment properties here, but this is a significant proposal, and whether it happens or not, it helps you understand the housing market and how to limit your personal tax hit now see if the tax were removed, it could be costly, because it would decrease the government's tax revenue, of course. So in my opinion, what I think is really going to happen here, a more likely course of action would be that instead of eliminating this tax they would just move up the threshold, say, from 250 and 500k up to 500k and $1 million another angle to keep in mind is that relaxing the tax that helps out wealthy people more than it helps the poor. Now, house flippers want to pay particular attention to what happens here, for instance, simply eliminating capital gains tax on house sales that could benefit those who buy and flip homes for profit. If policymakers want to benefit only homeowners, then they need to parse that out. Otherwise, this would be a huge boon to eliminating the capital gains tax on House flippers an absolute godsend, a windfall. In any case, relaxing the tax would mean that homeowners who move they would therefore retain more capital to reinvest in their next property, which you could use to outbid others. What does that do that would drive up home prices even more. I mean talking about the capital gains tax on primary residences, its proposal to be removed and what this would do to the housing market.    Keith Weinhold  12:50   Before I tell you about an interesting real estate investing niche and trend, let's pull back and look at the national housing market. The NAR recently let us know that national home prices hit yet another all time high. The median existing home price reached a record high of $435,300 and that is a 2% increase compared to last year. At this time, it's also the 24th consecutive month of year over year price increases. And you know, it's funny, I recently talked to an investor based in Phoenix that also does a little investing in Las Vegas. She thought that national home prices were falling because she sees a little price flattening in her home area, which is a little overbuilt. Well, prices are up as much as 10% in some areas of the Northeast and Midwest, because those areas are substantially underbuilt. I mean, for some perspective here just one metro area, New York City, one city with its population of over 20 million people, has twice as many people as both Arizona at 7 million and Nevada at just 3 million combined. One city twice as much as two entire states combined with all their cities. So it's remarkable how little perspective some people have see my geography degree holder perspective strikes once more again, national existing home prices are up 2% year over year, nominally, pretty modest growth, not that exciting. And who is doing the buying of these homes supporting and driving up prices. Well fewer and through of them are first time home buyers due to the well documented affordability strain. More and more of them are investors. Just last week, the Wall Street Journal reported that investors are responsible for fully 30% of the purchases of. Of both existing homes and new construction homes this year, and this is the highest share since property analytics firm kotality started tracking it 14 years ago. Investors are really buying today, and what kind of investors? Interestingly, it is people just like you. The Wall Street Journal went on to report that smaller investors who own fewer than 100 homes are doing most of the buying. That's a big change from when massive private equity firms like Blackstone and Starwood Capital Group dominated the market. So this 30% of single family home purchases being made by investors today. Smaller investors are 25% and larger ones only accounted for 5% so yeah, the little guys, people like you, they can take bigger risks because they don't have boards and shareholders to answer to, and plus builders with too much inventory are offering them discounts that were once reserved only for the bigger fish. They're being passed on now to smaller investors like you. That's exactly what the journal went on to say, much like we discussed on the show here last week, where builders are giving massive discounts.    Keith Weinhold  16:22   Well, you probably heard it said that Airbnb doesn't own any real estate. Uber doesn't own any cars. Facebook doesn't own any content, and Tiktok has no original videos. Yet, they all dominate their industries. Well, when you own the real estate, you can make the rules and leverage some of these connector platforms to help you rent out space that you own and increase your income. Do you own any property that's sitting vacant with nothing going on on the lot, perhaps even overgrown with weeds and shrubs. You can use an app like neighbor that helps you rent them out as parking spaces. Neighbor.com customers request your space, and you can approve it. They can park their cars on your space or RVs, boats, boats, trailers. This can be especially lucrative if you're a few miles from an airport, and then there are platforms that let you leverage them, sort of like the Airbnb of storage. Roughly one out of every nine Americans is renting a self storage unit, and that's not even counting all the people searching for a spot to park an extra car, boat or RV. At the same time, there are millions of garages, basements, attics, driveways and backyards sitting underutilized across the country now, platforms like store at my house, Pure Storage and park for share, that one is spelled Park, the number four and share, they're all stepping up to connect people who have extra space with the people that need it. And the result is that renters can typically save 50% or more compared to them using traditional storage companies they can rent from you, and it's often more convenient for renters, since the space they're renting that might be just around the corner instead of across town. Neighbor.com is one of the biggest players in this space, though, its founder, his name's Joseph Woodbury. He says you'd be amazed at what people will pay to store something if the location is good and the price is right, they have had a tiny three foot by five foot closet in Manhattan that rented out in a snap, almost instantly in Woodbury. He even uses the platform himself, leasing part of his own driveway to someone with a camper. Now, you probably want to check with your HOA before you do something like that. But like Airbnb neighbor, they earn money by taking a cut of the host's revenue. But unlike Airbnb neighbor, hosts average just 16 minutes per month managing their listings now Woodbury, the neighbor.com owner, he calls it the most efficient, least time intensive form of passive income in America. And the peer to peer storage trend, that's become a great entry point for new investors, especially those that aren't ready to buy a full property. But it's also catching the eye of experience real estate investors who want to squeeze more cash flow out of the land that you already own. Some are turning unused sheds into rentable storage units. Others are converting open acreage into long term parking. I know someone that's hosting campers and. RVs on his 10 acres in Florida, and he expects to earn about $100,000 this year alone from that land. And they say it's mostly hands off. And now, whenever he buys he looks for acreage plus a home so that he can generate multiple income streams from one property. Well, can this peer storage and parking shake up the $500 billion self storage and parking industry the same way that Airbnb rattled the hotel world? Some think the potential is huge, with national occupancy rates for storage centers hovering around 93% there really is not any sign that the market is oversupplied. In fact, even public storage, that's the company name, public storage, they are the country's largest self storage space operator, even they use neighbor to help lease out their leftover inventory, and so do some REITs that have extra space at their office, retail or apartment properties. And as far as the types of listings, people are getting creative on these platforms. They're monetizing everything from empty barns to church parking lots. Think about how much of the week church parking lots sit vacant to vacant strip mall storefronts, and they're using that as parking so more and more people are realizing that there's hidden value in the real estate that they already own, and you can too. If you own the real estate, you make the rules. So check out those four platforms that I mentioned, if you think it can benefit you to increase the income at your properties in this growing peer to peer storage and parking industry. It was around 2010 when Airbnb really started to take off and really take market share away from hotels, and today, these platforms like neighbor store at my house, peer storage and park for share, are taking market share away from traditional, centralized self storage spaces to review what you've learned so far today, if you're going to Live life full time, you can't be perpetually cheap. Be aware of the primary residence capital gains tax and its elimination proposal. Small investor interest is growing now, making up fully 30% of today's home purchases, and grow your income with Pure Storage and parking platforms coming up next, a viral audio clip that borders on the unbelievable and gives you a new perspective on capitalism, collectivism and Section Eight housing, you'll be flabbergasted. I'm Keith Weinhold. You're listening to Episode 565, of get rich education.   Keith Weinhold  23:00   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 pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  23:32   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading, it's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  24:42   you this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  25:00   Keith, you are back inside one of America's longest running and most listened to real estate investing shows. I'm your host, Keith Weinhold, and this is get rich education, the voice of real estate investing. Since 2014 wealthy people's money either starts out or ends up in real estate, we tell you why and show you how. I've got a clip to share with you that gets a little wild. We usually share what I suppose is more cerebral content here, but some real perspective can be gleaned from listening to this. This kid wants to work his mom says, No, you can't, because she'd lose her section eight housing benefit. And apparently, free housing is more valuable than his future. This is about one minute in length,   Unknown Speaker  25:52   not getting no job. If you go get a job, they're going to take my section eight, then you won't be able to get no section eight. You're not going to get no job. They're gonna count your income against my section eight and my link card. You're not working, no. So I don't care what you gotta say. I don't care how you feel. You're not working, you're not going to get a job, you you're not going to school, you're not doing none of that like Ma. I'm saying how I'm supposed to be successful in life, huh? So you basically telling me I gotta I gotta be broke to be successful. I got to be broke so I can get section eight. Government can help you. So the government can help me. So you telling me I can't work, no job, bro. Like, that's like, all my friends got jobs and live and nice houses. So you telling me I got the I got to go through the same thing you went through if you have a house, any of that, they're going to take my section eight. How? What they be like,no, they will look at that and be like, he's doing something. And give me a bigger house. Ma, that's what you told me. I can get off your section eight and apply for my own section eight. Okay, but if you do that, you're gonna have to go the hard way. It's gonna take a long so what? That's what I'm saying. Get on Section Eight. Find you a nice apartment, go get you a link card. You will be fine. You don't have to sit up and work. You don't have to work, no job, if the government is here to help us.   Keith Weinhold  27:11   Gosh, this mom won't let her son work, or else she'll lose their government section eight housing benefit, where taxpayers pay for most of their housing. And by the way, is this real? Is this a rage bait skit? I can't quite tell, but it surfaces some interesting questions. For sure, it is true that section eight housing voucher recipients like her can lose their benefits if the household earns more and exceeds a certain threshold. Gosh, here's the youth that wants to do something and maybe be better and have more than his parents. You should want what's best for your child? Some parents have to beg their children to get a job. This kid is willing to go out and see what he's capable of doing. This eaglet is looking to leave the nest, and you're clipping his wings, and yes, you the listener, are the one paying for their housing. There's no such thing as a free government program, because taxpayers like you and I fund the government section eight housing is therefore tax payer funded at one point. The mom says the government is here to help us. Yeah, this woman is making you poorer. This is where the taxes that get knocked out of your paycheck are going. You're working at a job, spending less time with the people you love, and maybe doing fewer of the activities you love so that she can perpetuate a culture of laziness and government dependency. Another successful entrepreneur or employee is not making you poorer, this woman is making you poorer. Thomas Sowell said it best. He is an author and a senior fellow at the Hoover Institution. He's got a lot of brilliant thoughts. Soul famously said, I have never understood why it is greed to want to keep the money you have earned, but not greed to want to take somebody else's money. That's Thomas Sowell. Now it's possible that this woman couldn't get a job that would pay so much more than the section eight income ceiling that it would be worth her getting one. She said there that she doesn't have a job at all. Maybe she has a disability, but there's a video of this. You can see the video. She doesn't appear to be disabled, but the appalling part is that she's discouraging her son from working now. Understand some section eight tenants do work full time jobs, but they're almost certainly going to be really low paying like, say, washing dishes for a restaurant. Section Eight is supposed to be a temporary program. It's supposed to be helpful, not a hindrance. It is a federal program. It's administered by HUD, and it pays the rent money for low income people, allowing them to rent housing out in the private open market. The program has high demand and some long, long waiting lists. They can be years long, even a decade long, waiting list for Section Eight housing some housing authorities even close their wait lists entirely due to the length the overwhelming demand and understand as well, veterans and the elderly are probably on a wait list, waiting for substantially younger people like her to get off the program to qualify for Section Eight, most families need an income below 50% of the area's median income, and your criminal background check has got to be clear, so you don't need to pass some high bar to get into the program. Now, in reality, a large share of the benefit recipients have an income that's under 30% of an area's median and how much of your rent does section eight pay? Participants typically pay a portion of their monthly income toward rent, usually around 30% they pay around 30% where section eight pays 70% I once run into a section eight tenant, and the tenant paid closer to 20% while the program paid 80% for you. And by the way, landlords don't have to accept section eight tenants. It is voluntary, and it pays landlords about the market rate in hot housing markets with fast rising rents. Well, you probably don't want to accept section eight because a regular, unsubsidized tenant is often going to pay you more in a slow rental market, Section Eight is better for landlords. Now, some landlords like section eight because it is guaranteed rent income, but some don't like it because they say they get low quality tenants. Well, foreign landlord can rent to a section eight tenant, a person called a case manager inspects the unit, and I think I shared with you before that, the first one that inspected mine, they wrote me up because they said that one of my Windows didn't open all the way. I fixed it, and the tenant stayed two years before they moved. But the average duration of time that a tenant spends in the program is six to nine years. It is supposed to be a short term bridge, but often becomes a long term subsidy people get dependent on the handout. HUD tells us that only one in seven families leave the program due to increased income, and there is a strong stigma around section eight housing, for sure. Who knows? To shake the stigma, maybe they will just change the name of the program. That happens sometimes, sort of like how they changed the name of the food stamps program to snap. And by the way, the link card that she mentioned in the video that is for food assistance. That's actually the name of the snap card in the state of Illinois. Oh, dear God bless America, training her kids to live off the government. I almost feel trashy after thinking about this. I'm probably going to go shower next now. Should the minimum wage be high enough that everyone can afford at least a one bedroom apartment, and therefore people wouldn't need section eight? Well, the federal minimum wage is $7.25 it's been stuck there since 2009 the economic commentator Peter Schiff, who I had lunch with a couple times last month, he and his wife Peter, makes the case that there should be no minimum wage at all. That is government intervention in the free market. If you make the minimum wage too high, people get laid off and people get replaced by robots. That's just what's really happened in practice, if a person can only make the minimum wage, they need to get better, and they need to skill up, is what Peter contends. Now, when I graduated college, I would have thought that premise sounded ridiculous. No minimum wage. But the more I think about it and the more I experience life, it does begin to make more sense. The fresh post collegiate me would have said that, ah, a working human being, they deserve the dignity of a minimum wage. That's livable, but some time and perspective has me saying that you are the one that brings dignity to your work, your earning potential and your life. It's not up to someone else to provide you with dignity. You don't lean on the government for your dignity. Learn more, be better, skill up. You'll be dignified, and you're going to earn multiples more than minimum wage. When it comes to the section eight, mom, everyone would like to live at the expense of the state, but few realize that the state lives at the expense of everyone else. If you'd like to see the video footage of that section eight clip that I played and more of my commentary on it. It's pretty interesting that should be available on our YouTube channel now. The channel name is get rich education. What else would it be for the production team here at GRE? That's our sound engineer, Vedran Dzampo , who has edited every single GRE episode since 2014,  QC and show notes. Brenda Almendadadas, video lead, Binaya Gyawali video strategy lead, Talha Mughal, video editor, Sorosa KC and producer me, we'll run it back next week for you. If you'd like the show, please tell a friend about it. I'd really appreciate you sharing it until then, I'm your host. Keith Weinhold, don't quit your Daydream.    36:29   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 if the means 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  36:53   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate. Video, course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866. While it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  38:08   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

Fidel Cache Flow is an account executive at a public company and an influential voice in the "burner verse" – the world of anonymous social media accounts. Through his Twitter profile, he openly shares unfiltered takes on tech sales, job stacking, leadership, and career strategies, while also building a thriving community that helps others grow in tech sales. Follow Fidel here: https://x.com/FidelCacheFlow "There's freedom in being anonymous. It lets me speak truthfully without fear." "Job stacking isn't about cheating. It's about working smarter, not harder." "Leadership starts with yourself—even if you don't have a title." In this episode, Fidel Cache Flow explains why he built an anonymous online persona, the rise of job stacking, and how community drives success in tech sales. He shares bold ideas about career growth, leadership, and building trust while staying authentic. This episode challenges traditional work models and inspires independent thinking. 5 Key Takeaways 1. The Power of Anonymity Freedom to share raw, unfiltered ideas Builds confidence to challenge norms Encourages finding your voice despite risks 2. Job Stacking as a Catalyst Multiple income streams create independence Requires strong personal accountability Forces you to rethink time and value 3. Leadership Starts with Self Leadership is influence, not just titles Self-awareness improves teamwork and results Learning leadership early changes your future 4. Community Drives Growth Mentorship accelerates your learning curve Peer groups help solve tough problems Teaching others strengthens your own skills 5. Rethinking Career Paths Big companies provide a strong foundation Smaller roles offer freedom and creativity later Strategic moves can be your career catalyst Find Your Catalyst at https://findmycatalyst.com

Smaller industrial buildings are seeing high occupancy levels and strong buyer demand. Even in slow growth, or slightly declining markets, the demand for industrial space is increasing because of limited inventory. Kip Northrup, a small business entrepreneur, started out by acquiring his first property to locate his pond and aquarium business, but has gradually expanded to 14 industrial properties from 5,000-25,000 s/ft.  Kip loves the process of improving properties with great design and aesthetics and finding new tenants. Kip wants to expand to 50 properties and is also searching for retail strip centers. 

Bonnie Tinder is the founder and CEO of Raven Intelligence, an independent B2B peer review site that amplifies the voice of the customer. She focuses on software customers, consulting partners, and software vendors, and helps identify the best partners for their needs. In this episode, she joins Bob Evans to talk about the shifting landscape of enterprise consulting, the rise of AI-driven delivery models, and what these changes mean for both firms and customers navigating digital transformation.Episode 53 | Smaller, Smarter, FasterThe Big Themes:The Traditional Consulting Model Is Quietly Collapsing: The traditional consulting model, built on large teams, playbooks, and high overhead, is no longer viable in the AI-native era. The shift is not a dramatic crash but a slow erosion of outdated practices. Customers no longer accept vague deliverables, bloated staffing, and unclear pricing. Instead, they demand speed, transparency, and clear outcomes.Smaller, Nimble Firms Are Positioned to Win: AI and generative tools are leveling the playing field for smaller consultancies. Bonnie argues that boutique firms — once at a disadvantage against the scale of major global consultancies — can now compete on an equal footing due to AI's democratization of data analysis, automation, and service delivery. These smaller firms often move faster, customize more effectively, and offer high-touch support without layers of bureaucracy.Transparency Is the New Currency of Trust: Bonnie criticizes large consulting firms for their persistent lack of transparency. Many resist public reviews, avoid accountability, and cherry-pick what gets showcased — raising red flags for discerning clients. She argues that in an era of instant data and shared experience, opacity is no longer acceptable. The future of consulting depends on a firm's willingness to open itself to scrutiny and prove its worth.The Big Quote: “The disruption isn't necessarily a slowdown in the need for consulting. It's just the shift in how technology is getting delivered. It's in what the value of the consultant is. It's no longer building codes and the architecture as much as it is the change management and the ability to help customers make good, fast decisions."More from Bonnie Tinder:Connect with Bonnie on LinkedIn or send a message via her Acceleration Economy Analyst page. Visit Cloud Wars for more.

Mike Lusso is a seasoned engineer at Coats Company in Nashville, Tennessee, specializing in tire changers, wheel balancers, lifts, and alignment machines. A lifelong gearhead with a passion for modifying cars, Mike channels his love for the automotive space into leadership roles, most notably as Chair of the WTSBC, a leading automotive industry council under SEMA. Through his volunteer work, Mike helps shape best practices and raise industry standards across the wheel, tire, suspension, and brake sectors. In this episode… If you've ever wondered what real influence looks like behind the scenes of the automotive aftermarket, look no further than the automotive industry council known as WTSBC (Wheels, Tires, Suspension, Brakes Council) under SEMA. In this episode of the Gain Traction Podcast, host Mike Edge sits down with WTSBC Chair Mike Lusso to unpack the vital; yet often overlooked role that industry councils play in shaping the future of auto repair and tire service. From data access to networking, from fitment guides to leadership opportunities, this is where real progress happens. Mike explains how he first got involved (spoiler: it starts with a free lunch ticket), and why shop owners, engineers, and suppliers alike should consider participating. It's not just a resume booster, it's a direct line to decision-makers, early tech adopters, and industry-shaping initiatives. Whether you're running a five-bay shop or managing dozens of locations, joining an automotive industry council gives you the insider edge you can't Google. What You'll Learn in This Episode [01:37] How Mike was recruited into the WTSBC at a trade show [03:29] Why every shop owner and tire dealer should consider joining a SEMA council [05:51] Examples of the educational resources the council provides (fitment posters, torque specs, bolt pattern data) [06:40] Mike's leadership timeline: From co-chair to chair [07:30] Strategic goals for the WTSBC in the next 1, 3, and 5 years [10:15] How to sign up for the council through SEMA or Gain Traction [13:07] Mike's background in engineering and the automotive aftermarket Resources mentioned in this episode: Mike Lusso LinkedIn https://www.linkedin.com/in/michael-lusso-engprofile/ SEMA Website https://www.sema.org/ SEMA Garage Detroit https://www.sema.org/get-involved/councils-networks/ettn/sema-garage-detroit-benefits-get-your-product-market SEMA Data https://www.semadata.org/ Gain Traction Podcast Episode #179: How To Build a Culture While Scaling Fast with Logan Leslie https://gaintractionpodcast.com/how-to-build-a-culture-while-scaling-fast-with-logan-leslie/ Tread Partners https://treadpartners.com/ Gain Traction Podcast https://gaintractionpodcast.com/ Why Join an Automotive Industry Council? Joining an automotive industry council like WTSBC isn't just about “giving back”, it's a competitive advantage. Members gain: Early access to emerging tech like ADAS calibration trends Networking with top leaders from SEMA, MIMA, and major aftermarket players Tools that improve service accuracy like fitment charts and torque spec guidelines Exclusive access to Detroit Garage and SEMA Data resources Brand visibility through leadership opportunities and public representation And the best part? Membership typically costs less than $100/year and offers a return on investment many times over. Quotable Moments “You're not just getting information — you're getting access.” “We're not just supporting SEMA — we're shaping what comes next.” “Smaller shops have just as much to gain — the value is tenfold.” “If you want to grow, you've got to plug into where progress is happening.” Action Steps: Visit Gain Traction's WTSBC Page to find the direct council link and learn more. Apply for membership via the SEMA Council Portal, it takes just a few clicks. Leverage your membership by downloading fitment guides, attending council meetings, and volunteering on task forces. Connect with other leaders like Mike Lusso and your regional reps to maximize industry relationships. Promote your involvement on your website, social media, and customer channels, it boosts credibility.

Washington Apple Commission president, Michael Schadler says what looks to be a pretty productive harvest is quickly creeping up on us.

This week Topher and Jeff talk with Kevin Clark, former University of Alaska Anchorage men's ice hockey team player, former DEL and AHL player, and current player development and video analysis coach with Cascade Hockey.  In this episode we talk about: — Mentality of being a smaller player — Getting kicked off teams and facing adversity head on — Focusing on developing yourself by becoming a versatile player — Watching your games to find patterns and specific skills you need to work on AND SO MUCH MORE! Thank you to our title sponsor IceHockeySystems.com, as well as Train-Heroic, Helios Hockey, and Crossbar! And thank you to our AMAZING LISTENERS; We appreciate every listen, download, comment, rating, and share on your social sites! If you'd like to join our Hockey Think Tank Community, head over to Community.TheHockeyThinkTank.com and check it out! HELIOS HOCKEY CHALLENGE PARENTS & RECRUITING 101 COURSES BLUEPRINT ORGANIZATION REFERRAL Follow us: IG: @HockeyThinkTank X (Twitter): @HockeyThinkTank TikTok: @HockeyThinkTank Facebook: TheHockeyThinkTank

Washington Apple Commission president, Michael Schadler says what looks to be a pretty productive harvest is quickly creeping up on us.

In the latest episode of our Let's talk asset management series, Hannah Meakin, Lucy Dodson and Simon Lovegrove discuss the Financial Conduct Authority's findings following a review of business models for smaller asset managers and alternatives.

If you're a content creator in a business niche and you're NOT going to live events, you're missing one of the easiest ways to grow your influence, revenue, and network. But just showing up isn't enough. You need to be strategic about it. Let me walk you through exactly how to make live events your secret growth engine. 1. Pick the Right Events Don't just go to every conference in your industry. Be selective. Ask yourself: Will my ideal audience or customers be there? Will the people I want to partner or collaborate with be there? Will there be speakers who are already where I want to be? Will the people in attendance be critical to my business model of the future? Smaller, niche events are often better than the giant ones because it's easier to have real conversations. 2. Have a Plan Before You Go Treat this like a marketing campaign. Make a hit list of 5–10 people you want to meet. Connect with them on LinkedIn before the event with a simple message: “Hey, I see we're both going to [Event]. Would love to say hi while we're there.” If they respond, you can add, let me know if you want to grab coffee while there. It's an easy ask. Follow the event app so you can see where people are gathering. Most creators go in blind and just “see what happens.” Don't do that. 3. Work the Room (Even if It's Uncomfortable) Yes, some of this will feel awkward. Do it anyway. Sit at a different table each meal. Go to every networking event, even if you're tired. After a speaker session, walk up, introduce yourself, and thank them. 90% of attendees don't bother, so you'll stand out. When you sit in a session, introduce yourself to at least one person sitting by you. They will thank you for it as they are probably uncomfortable sitting by themselves. 4. Buy the Book, Get It Signed Here's a power move: If the speaker has a book, buy it BEFORE the event. Bring it with you, and after their talk say: “I loved your session. Would you mind signing this? I already bought it—it's been really helpful.” Why? Because now you're not just another attendee—you're someone who invested in their work. People remember that. When I first spoke at Hubspot's inbound, Douglas Burdett from the marketing book podcast, was standing in the back with my book Epic Content Marketing. How could I not stop and talk to him? Since then, we became fast friends and I was on his podcast I think seven times. He did that with so many speakers. 5. Follow Up Fast The magic isn't just at the event—it's what you do after. Send a quick LinkedIn or email note the next day: “Great meeting you yesterday at [Event]. Loved our chat about [Topic]. Let's keep in touch.” If you promised to send someone a resource or an intro, do it within 48 hours. Most people don't follow up, which is why this works so well. The Big Picture Look, content creation can feel like sitting alone behind a keyboard. But the fastest way to build authority and trust is face-to-face. People buy from people they know—and live events shortcut years of online grinding if you do them right. So don't just attend. Be strategic. Have a plan. Make yourself known. That's how live events turn into partnerships, clients, speaking gigs—and real friendships. Pre-order my new book, Burn the Playbook, here ---> https://www.joepulizzi.com/books/burn-the-playbook/ Come join me at Content Entrepreneur Expo (CEX) in Cleveland August 24-26. Use coupon code CEXDAY to save $200 - https://cex.events/ ------- Like this episode? SUBSCRIBE on Apple, Spotify or Google. See all Content Inc episodes at the Content Inc. podcast home. Get my personal newsletter today and receive my free goal-setting guide today.  

Chuck Zodda and Mike Armstrong discuss the latest bragging point for CEOs is shrinking their companies headcounts. Inflation is outpacing wage growth for nearly half of Americans. Americans view their 401(k) as more than just a nest egg. ‘Quishing' scams dupe millions of Americans as cybercriminals turn the QR code bad.

Summary   In this episode, Wayne Marcel speaks with Kaitlin, the CEO and founder of CryptoMondays London. They discuss Kaitlin's unique journey from being a theater director to becoming a prominent figure in the crypto space. The conversation highlights the importance of financial literacy, community building through meetups, and the evolution of CryptoMondays London. Kaitlin shares insights on the challenges of event planning, the significance of consistency in community engagement, and the impact of side events on larger conferences. The episode concludes with a call to action for listeners to get involved in their local crypto communities and arm themselves with knowledge. Takeaways   Kaitlin transitioned from theater to crypto in 2017. Financial literacy is crucial for understanding the crypto space. Community meetups provide valuable networking opportunities. Consistency in events fosters community growth. CryptoMondays London has grown to 14,000 members organically. Accessibility in events is essential for inclusivity. Side events can detract from main conferences if not managed well. Event planning requires balancing costs and community needs. Smaller conferences often provide better engagement. Knowledge is key to navigating the evolving crypto landscape. Chapters   00:00 Introduction to CryptoMondays London 01:27 Kaitlin's Journey into Crypto 04:57 The Importance of Financial Literacy 07:54 Building CryptoMondays London 11:57 Growth and Evolution of CryptoMondays 14:51 Sponsorship and Accessibility in Events 17:51 Consistency in Community Building 19:55 The Shift in Conference Dynamics 23:08 The Cost of Participation and Its Impact 26:26 The Importance of ROI in Events 29:48 Navigating the Future of Conferences 34:17 Building Community and Accessibility in Web3

While Boston's two NPR affiliates — GBH and WBUR — get the most money, a half dozen smaller stations also rely on Corporation for Public Broadcasting grants for their music and local affairs programming.

Small public radio stations around Massachusetts are working to find new revenue after the loss of millions in federal funding. Congress voted earlier this month to cut 1.1 billion dollars in money allocated to the Corporation for Public Broadcasting.

It's officially Redraft SZN people!

Overall, more people are dying from cancer. But a closer look at the numbers reveals just how much success modern medicine has had at making the disease less deadly. The spiraling fortunes of Kraft Heinz since its formation from a merger is a sign of a wider malaise in the food industry. And Germany's football-playing parliamentarians cannot keep politics off the pitch.Get a world of insights by subscribing 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.

Overall, more people are dying from cancer. But a closer look at the numbers reveals just how much success modern medicine has had at making the disease less deadly. The spiraling fortunes of Kraft Heinz since its formation from a merger is a sign of a wider malaise in the food industry. And Germany's football-playing parliamentarians cannot keep politics off the pitch.Get a world of insights by subscribing 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.

The latest on severe weather across the country, including intense heat waves and flooding. Also, new details in the tragic drowning of ‘Cosby Show' star Malcolm-Jamal Warner. Plus, some popular restaurants are making big menu changes as they adjust to life in the age of weight-loss drugs.

Send us feedback or episode suggestions.In this episode, Chris Strahl talks with Elyse Holladay—staff design engineer at Color Health and host of On Theme—about the evolution of design systems and how AI is reshaping the way we think about abstraction, collaboration, and contribution. They explore what it means to maintain relevance in a landscape where LLMs increasingly influence product development, and reflect on whether design systems are still for people—or for machines. Elyse shares a clear-eyed yet optimistic take on how AI can enhance, rather than replace, the work of design system practitioners.Key Points:Design systems are shifting focus from components to solving collaboration and workflow problems.AI isn't replacing systems—it's changing how they're used and what they need to support.Smaller teams can move faster by focusing on what's most valuable, not doing everything.Documentation is evolving to prioritize practical guidance over polished presentations.Design systems are becoming infrastructure for both humans and AI.View the transcript of this episode.Check out our upcoming events.If you want to get in touch with the show, ask some questions, or tell us what you think, send us a message over on LinkedIn.GuestElyse Holladay (she/her) is a long-time Design Systems practitioner and speaker, currently the Staff Design Engineer for Color Health's Continuum Design System. She was tapped to start the first Design System team for Indeed, has taught hundreds of hours of technical training content, and has been invited to speak at well-known industry events such as Clarity Conference, CSSConf Berlin, and Frontend Design Conference. She is also the host of On Theme: Design Systems in Depth. She's a technical generalist, off-the-charts extrovert, avid reader, and expat Texan with an armadillo tattoo.HostChris Strahl is co-founder and CEO of Knapsack, host of @TheDSPod, DnD DM, and occasional river guide. You can find Chris on Twitter as @chrisstrahl and on LinkedIn.SponsorSponsored by Knapsack, the design system platform that brings teams together. Learn more at knapsack.cloud.

Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment.  The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply.  Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states.  Resources: Follow Hannah on Instagram  Show Notes: GetRichEducation.com/563 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income.    Keith Weinhold  3:29   Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now.    Keith Weinhold  10:21   Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down.    Keith Weinhold  11:23   Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace.    Keith Weinhold  16:30   And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing.    Keith Weinhold  20:29   How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional.    Keith Weinhold  22:02   I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners.   Keith Weinhold  23:51   coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it.    Keith Weinhold  24:31   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 Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy?    Keith Weinhold  25:03   Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866   Caeli Ridge  26:13   this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream.   Keith Weinhold  26:31   Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat   Hannah Hammond  26:48   you too. It's been so great to get to know you on this ship, and it's been a lot of fun,    Keith Weinhold  26:51   and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that.   Hannah Hammond  27:19   Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt.    Keith Weinhold  27:44   That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that.   Hannah Hammond  28:03   Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up   Keith Weinhold  29:08   income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be.    Hannah Hammond  29:23   So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore.   Keith Weinhold  30:36   That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans   Hannah Hammond  31:11   Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset.    Keith Weinhold  32:26   So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here.   Hannah Hammond  32:37   exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets.   Keith Weinhold  32:56   Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you?   Hannah Hammond  33:04   I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil.    Keith Weinhold  33:04   This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that?    Hannah Hammond  33:42   At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market.    Keith Weinhold  34:27   Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you.   Keith Weinhold  34:40   Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream.   Speaker 3  35:33   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  35:56   You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  37:12   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

Time skip! Last we left them, our trainers split to find more information about the fake reality that they've been caught in by The Futurists. Gathering information and making plans, they only have 18 days left before everything resets!The cast: Chartreuse (Charlie) Pine - played by Paul (also @AlakazamGanda) Liliana Shadowgarden - played by Lydia Professor Rudimentus Sneaze - played by Michael And our Game Master - Nick Eyeli - Eyeli Join our Facebook Group, where you can meet and chat with the cast and other fans! We'll approve everyone's request to join (unless you're a Rotom; we don't like Rotom). Also, join us on Discord! Check out Lydia's Fiverr for your Podcast/Radio Show editing needs!Donate to our Patreon, and earn sweet rewards by becoming a part of the Pokemon Rollout! family. MUSIC & SFX: Theme Music "Electric Donkey Muscles” by RoccoW. Used under an Attribution-ShareAlike License. “Bipolarity” by Poor Alexei. Used under an Attribution-Noncommercial-Share Alike 3.0 United States License.“We Can Do It! [Loop]” by Visager.“Bach - Italian Concerto In F Major, BWV 971 - Arranged for Harpsichord.mp3” by Gregor Quendel is licensed under a Attribution-NonCommercial-NoDerivatives 4.0 International License.“Afronauts” by Crowander is licensed under a Attribution-NonCommercial 4.0 International License.

For those of you that are interested in giving, let's try to do so as tax efficiently as possible!  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff walk through a few ways you can give money to the causes that are near and dear to your heart and pay a little less in taxes at the same time.  Often, the larger the gift, the more tax benefits, but even small gifts can potentially have tax benefits. A few ways to get tax deductions for charitable contributions include: Smaller gifts to qualifying non-profits if you already itemize on your taxes. Gifting appreciated stock from non-qualified accounts. Gifting money to donor-advised funds. Setting up private foundations. Bequeathing money from a potentially taxable estate. Setting up a trust specifically for charitable giving. Some of your tax money may go to causes you support, but choosing your own causes can be much more rewarding and potentially lessen that tax burden.  Listen to the full episode to learn more! For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Plus: The White House succeeds in clawing back about $9 billion in foreign aid and public media funding. And CBS says it will end ‘Late Show' in May, concluding a decadeslong run. Azhar Sukri hosts.  Sign up for WSJ's free What's News newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

On this week's episode of the Marty Called podcast, we discuss the Walt Disney animatronic and Ben's recent trip to Walt Disney World.

Adrian and Renaud examine how small e-commerce sellers surged in popularity between 2015 and 2021 and why many are now struggling. They discuss the boom in dropshipping, the impact of rising advertising costs, the dominance of big brands, and how platforms like Amazon, Meta, and Google have changed the game. This episode explores why success has become increasingly challenging to attain for small to medium-sized e-commerce sellers and what strategies can still be effective.   Show Sections 00:00 – Introduction 01:28 – From 2015 to 2020: The e-commerce gold rush 03:08 – The dropshipping and ODM model: Opportunities and pitfalls 06:17 – Post-COVID Challenges 07:38 – Advertising Costs and Market Changes 09:02 – Online ads were cheap… until they weren't 10:34 – Big brands enter e-commerce and dominate paid ads 11:00 – Brand trust drives better ROAS and lower ad costs 12:49 – Rising CPC trends from Google, Amazon, and Meta 15:26 – Ad costs spike during peak seasons, another burden 16:00 – Amazon's costs and risks: Fulfillment, storage, bad reviews 19:47 – Challenges for small sellers vs. household-name brands 21:06 – Bigger budgets = better ad performance due to AI 23:39 – Strategies for Small E-Commerce Sellers 27:02 – Platform dependence: Sellers get squeezed from all sides 34:34 – Can small sellers still succeed—and how? 42:10 – Building a Brand and Community   Related content... Google Ads Statistics for 2024: Usage, Demographics & CPCs – DemandSage Top Cost Per Click (CPC) Statistics 2024 – Amra and Elma LLC Brand Performance: Maximizing Ad ROI – Search Engine Land Branded vs Non-Branded Keywords: The Impact on Your Marketing Strategy – QuickCreator The TikTok Shop Era of Super-Subsidies Is Ending – WIRED 2025 Trend: Mounting Pressure to Squeeze the Long Tail in Retail Media – eMarketer The Ecommerce Experiment: How I Spent $11K and Sold 4 Items on Amazon – Business Insider   Get in touch with us Connect with us on LinkedIn Contact us via Sofeast's contact page Subscribe to our YouTube channel Prefer Facebook? Check us out on FB Get in touch with us Connect with us on LinkedIn Contact us via Sofeast's contact page Subscribe to our YouTube channel Prefer Facebook? Check us out on FB

Jake and Michael discuss all the latest Laravel releases, tutorials, and happenings in the community.Show linksConditionally Fail Queue Jobs While Throttling Exceptions in Laravel 12.20JetBrains PHPverse 2025: Videos are now live!Laravel in the First Half of 2025Run Laravel Pint Faster in Parallel ModeNativePHP for Mobile v1.1: Smaller, Smarter, and Ready to ScaleSet up an AI-powered Laravel Development Environment with Claude Code and MCP ServersNative array_first() and array_last() Functions in PHP 8.5The Pipe Operator is Coming to PHP 8.5PHP 8.5 Introduces an INI Diff OptionPHP Fatal Error Backtraces in PHP 8.5Laravel Performance Testing With Volt-Test PHPIntelligent Parsing and Formatting of Names in PHP ApplicationsLaravel AI Chat Starter KitTutorialsSimplifying Stream Handling with Laravel's resource MethodDependency Injection in Laravel Closure CommandsLaravel's in_array_keys Rule: Validating Partial Array KeysContent Negotiation with Laravel's prefers MethodLaravel Request Content Type Inspection MethodsBlade Authorization Directives for View SecurityEnhancing JSON Responses with Laravel Model AppendsEnhanced Enum Processing with Laravel's Default Parameter SupportCustom Object Casting in Laravel ModelsLaravel's Rule::contains() for Fluent Array Validation

Elizabeth Linos is the Emma Bloomberg Associate Professor for Public Policy and Management, and Faculty Director of The People Lab at the Harvard Kennedy School of Government. The majority of her research focuses on how to improve government by focusing on its people and the services they deliver. Specifically, she uses insights from behavioral science and evidence from public management to consider how to recruit, retain, and support the government workforce, how to improve resident-state interactions, and how to better integrate evidence-based policymaking into government. Her research has been published in numerous academic journals including Nature Human Behaviour, Econometrica, The Journal for Public Administration Research and Theory (JPART), The Journal of Political Economy, Public Administration Review, American Economic Journal: Economic Policy, Behavioural Public Policy, and others. Prior to joining the Harvard Kennedy School faculty, Linos has been an assistant professor at UC Berkeley; the VP and Head of Research and Evaluation at the Behavioral Insights Team in North America; and policy advisor to the Greek Prime Minister, George Papandreou, focusing on social innovation and public sector reform. Linos has been named one of the top 10 influencers in local government by ELGL, and was the 2023 recipient of the prestigious David N. Kershaw Award and Prize "established to honor persons who, before the age of 40, have made distinguished contributions to the field of public policy analysis and management."Ralph Ranalli of the HKS Office of Communications and Public Affairs is the host, producer, and editor of HKS PolicyCast. A former journalist, public television producer, and entrepreneur, he holds an BA in political science from UCLA and a master's in journalism from Columbia University.Scheduling and logistical support for PolicyCast has been provided by Lilian Wainaina. Design and graphics support has been provided by Laura King. Web design and social media promotion support has been provided by Catherine Santrock and Natalie Montaner. Editorial support has been provided by Nora Delaney and Robert O'Neill. 

This week: Edward and Wes have a feeling on unanticipation about new year's World Cup. News and Notes has untransfer news, and the W4tch has video game chats.@AFAPod @EdwardGreene @WesBradshaw21Email: allnewsportsshow@gmail.com

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If you've ever felt confused, judged, or overwhelmed by how weight is discussed at your child's doctor's visits? Whether your child is in a larger body, a smaller body, or somewhere in between this episode is for anyone who wants to raise healthy kids without harmful messaging. I'm joined by Dr. Tommy Martin, a physician, educator, and passionate advocate for reframing weight and health conversations with compassion and clarity. Together, we explore why BMI was never meant to guide pediatric care, how weight bias shows up in medical settings, and what parents can do to protect their child's body confidence without ignoring health. We dive into: Why BMI was never meant for individual kids and how outdated growth charts still shape care today The lasting harm of weight bias in healthcare, from missed diagnoses to internalized shame as early as age 3 How to reframe conversations around health without numbers or labels and practical ways to advocate for your child To connect with Dr. Tommy Martin follow him on Instagram @dr.tommymartin, check out all his resources at https://link.me/dr.tommymartin We'd like to know who is listening! Please fill out our Listener Survey to help us improve the show and learn about you! 00:00 – Intro: Why weight conversations in pediatrics matter 02:10 – Meet Dr. Tommy Martin and his backstory 04:50 – Growing up in a larger body and the roots of weight stigma 06:45 – Subtle messages kids absorb at the doctor's office 09:00 – Hurtful comments from family, peers, and culture 13:45 – Dr. Mona's story: Smaller body, different pressure 15:30 – The impossible standards of body image 17:00 – Why pediatricians weigh kids and how Dr. Mona reframes it 18:30 – Dr. Tommy's patient-first approach to weight discussions 21:45 – What BMI gets wrong (and how it still shows up) 25:20 – The harm of casual body comments 27:00 – Genetics, hormones, and the science of food noise 30:00 – The stigma and science behind GLP-1 medications 33:00 – How Dr. Mona talks to families about elevated labs without shame 40:00 – Why she never sets weight goals for kids 43:00 – Helping kids fuel for function, not aesthetics 46:00 – Modeling healthy habits in everyday life 48:00 – Weight bias in healthcare and missed diagnoses 50:00 – Long-term harm of labels like “obese” or “underweight” Our podcasts are also now on YouTube. If you prefer a video podcast with closed captioning, check us out there and ⁠subscribe to PedsDocTalk⁠. Get trusted pediatric advice, relatable parenting insights, and evidence-based tips delivered straight to your inbox—join thousands of parents who rely on the PDT newsletter to stay informed, supported, and confident. ⁠⁠⁠⁠Join the newsletter⁠⁠⁠⁠! And don't forget to follow ⁠⁠⁠⁠@pedsdoctalkpodcast⁠⁠⁠⁠ on Instagram—our new space just for parents looking for real talk and real support. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on the ⁠PedsDocTalk Podcast Sponsorships⁠ page of the website.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Because of increased regulations that have resulted in tighter lending standards, banks aren't making a lot of smaller loans against properties that aren't stabilized. This has created a sizeable gap in the market for “Micro balance” short-term bridge loans to operators borrowing $200,000 - $1,500,000 with value-add business plans, especially in secondary and tertiary markets. Brock Freeman, Managing Partner and COO of Kirkland Capital Group, provides loans to this segment of the market where there's far less competition, and therefore better returns for investors.

If you've ever felt confused, judged, or overwhelmed by how weight is discussed at your child's doctor's visits? Whether your child is in a larger body, a smaller body, or somewhere in between this episode is for anyone who wants to raise healthy kids without harmful messaging. I'm joined by Dr. Tommy Martin, a physician, educator, and passionate advocate for reframing weight and health conversations with compassion and clarity. Together, we explore why BMI was never meant to guide pediatric care, how weight bias shows up in medical settings, and what parents can do to protect their child's body confidence without ignoring health. We dive into: Why BMI was never meant for individual kids and how outdated growth charts still shape care today The lasting harm of weight bias in healthcare, from missed diagnoses to internalized shame as early as age 3 How to reframe conversations around health without numbers or labels and practical ways to advocate for your child To connect with Dr. Tommy Martin follow him on Instagram @dr.tommymartin, check out all his resources at https://link.me/dr.tommymartin We'd like to know who is listening! Please fill out our Listener Survey to help us improve the show and learn about you! 00:00 – Intro: Why weight conversations in pediatrics matter 02:10 – Meet Dr. Tommy Martin and his backstory 04:50 – Growing up in a larger body and the roots of weight stigma 06:45 – Subtle messages kids absorb at the doctor's office 09:00 – Hurtful comments from family, peers, and culture 13:45 – Dr. Mona's story: Smaller body, different pressure 15:30 – The impossible standards of body image 17:00 – Why pediatricians weigh kids and how Dr. Mona reframes it 18:30 – Dr. Tommy's patient-first approach to weight discussions 21:45 – What BMI gets wrong (and how it still shows up) 25:20 – The harm of casual body comments 27:00 – Genetics, hormones, and the science of food noise 30:00 – The stigma and science behind GLP-1 medications 33:00 – How Dr. Mona talks to families about elevated labs without shame 40:00 – Why she never sets weight goals for kids 43:00 – Helping kids fuel for function, not aesthetics 46:00 – Modeling healthy habits in everyday life 48:00 – Weight bias in healthcare and missed diagnoses 50:00 – Long-term harm of labels like “obese” or “underweight” Our podcasts are also now on YouTube. If you prefer a video podcast with closed captioning, check us out there and ⁠subscribe to PedsDocTalk⁠. Get trusted pediatric advice, relatable parenting insights, and evidence-based tips delivered straight to your inbox—join thousands of parents who rely on the PDT newsletter to stay informed, supported, and confident. ⁠⁠⁠⁠Join the newsletter⁠⁠⁠⁠! And don't forget to follow ⁠⁠⁠⁠@pedsdoctalkpodcast⁠⁠⁠⁠ on Instagram—our new space just for parents looking for real talk and real support. We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on the ⁠PedsDocTalk Podcast Sponsorships⁠ page of the website.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week on the Carpool Podcast, Kelly and Lizz are talking to one of their favorite influencers Sam, known as Smaller Sam PCOS, who shares her remarkable weight loss journey and the challenges she faced along the way. Sam, who has lost 255 pounds, discusses her creative fast food hacks and recipes that are lower in calories and higher in protein, making them accessible for everyone. Her story is one of resilience, driven by the need to be healthy for her children amidst personal and family struggles, including her daughter's medical needs and her husband's battle with addiction. Sam's content is celebrated for its authenticity and relatability, offering practical advice for sustainable eating habits. The episode delves into her background with PCOS, her approach to food with her children, and her viral recipes. Today's episode is brought to you by ⁠⁠Clean Simple Eats⁠⁠. Use code 'Carpool10' at checkout to get 10% off your order. ⁠⁠CleanSimpleEats.com

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Anish01:55 Getting Started with Points and Miles03:08 Convincing Family to Join the Hobby04:01 Booking Domestic Trips with Points06:28 Managing Finances as a College Student11:12 Challenges and Strategies for Card Approvals12:29 Advice for Newcomers to Points and Miles15:26 Booking International Trips to India17:03 Booking Flights to India: A Detailed Journey17:54 Navigating Layovers and Stopovers18:28 Challenges of Booking with Points19:35 Tips for First-Time International Bookings20:08 Understanding Flight Availability and Timing21:54 Allocating Time for Complex Bookings23:44 The Value of Smaller, Practice Bookings24:51 Maximizing Points for Best Value29:04 Planning a Graduation Trip to Italy32:38 Final Thoughts and Tips for Points and MilesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

How do you write a great query letter, find the right agent, and stand out in today's crowded submissions inbox? In this special compilation episode, four top literary agents: Ed Wilson, Lucinda Halpern, Madeleine Milburn & Sam Copeland, share their honest advice on getting signed, writing marketable books, and navigating today's publishing industry.*Timestamps:Ed Wilson - 1:01Lucinda Literary -  19:11Madeleine Milburn - 37:20Sam Copeland - 48:47 ABOUT THE LITERARY AGENTS Ed Wilson is a literary agent and director at Johnson & Alcock, a London-based literary agency with a diverse and developing list of authors of fiction and nonfiction. He represents everything from award-winning literary fiction to bestselling crime, science-fiction, and fantasy. Ed's profile at Johnson & AlcockEd's Twitter accountJohnson & Alcock's submission guidelinesFull LWS episode: #071: Ed Wilson — Submitting to Agents & Navigating Publishing, Junior vs Experienced Agents, How to Follow up with Agents, Smaller vs Larger Literary Agencies*Lucinda Literary is a New York literary agent and the author of Get Signed: Find an Agent, Land a Book Deal, and Become a Published Author. She represents a range of New York Times and internationally bestselling authors in the categories of business, health, lifestyle, popular science, narrative nonfiction, memoir, and upmarket fiction. *Get Signed: Find an Agent, Land a Book Deal, and Become a Published AuthorLucinda LiteraryFollow up question? Get in touch with Lucinda here.Full LWS episode: #96: Lucinda Halpern — How to Get Signed With a Literary Agent, Unlock Your Book's Big Idea, Query Letter Essentials, Unconventional Ways to Engage With Beta-Readers*Madeleine Milburn has been responsible for discovering some of the highest-selling and award-winning contemporary authors who consistently hit the bestseller lists in the New York Times, including Nita Prose (The Maid), Costa Book Award winner and bestseller Gail Honeyman (Eleanor Oliphant is Completely Fine). She represents bestselling crime and thriller brands including C.L. Taylor, C.J Tudor, Mark Edwards and Teresa Driscoll.WebsiteSubmitting your work to the Madeleine Milburn AgencyFull LWS episode:  #064: Madeleine Milburn — Catching an Agent's Eye & Building an Author-First Agency*Sam Copeland was shortlisted for Literary Agent of the Year at the 2020 and 2021 British Book Awards and selected for the Bookseller's Most Influential People in Publishing in 2020. He welcomes e-mail submissions and can be contacted on sam@rcwlitagency.com. He is also a children's author.  His Charlie Changes series was shortlisted for the Waterstones Children's Book of the Year shortlistedSam Copeland RCW Literary AgencyFull LWS episode: #118: Sam Copeland — How to Catch The Eye Of A Literary Agent, Compelling Pitch Letters & Writing Funny Children's Fiction For show notes, transcripts and to attend our live podcasts visit: podcast.londonwriterssalon.com.For free writing sessions, join free Writers' Hours: writershour.com.*FOLLOW LONDON WRITERS' SALONTwitter: twitter.com/​​WritersSalonInstagram: instagram.com/londonwriterssalonFacebook: facebook.com/LondonWritersSalonIf you're enjoying this show, please rate and review this show!

You set a goal to work out three times a week. But after a few weeks of hitting maybe one or two sessions, you decide the answer is to raise the goal to five workouts a week. Sound familiar?In this episode, Coach JK breaks down what he calls the 'goal-setting paradox' the common behavior of setting even bigger goals after falling short of more realistic ones. He shares the concept of False Hope Syndrome, a cycle of overcommitting, underdelivering, and then repeating it with even higher expectations.JK explains how this cycle erodes self-trust, why it shows up even in experienced lifters, and how to break free from the "just try harder" mindset. You'll hear research-backed insights from psychologists Polivy and Herman, plus actionable strategies to shift from inflated goals to habits that actually stick.Want free weekly workouts and behind-the-scenes programming notes from Coach JK? Join the email list ⁠⁠⁠⁠HERE⁠⁠⁠⁠-------------------------Have a question or topic you'd like JK to talk about in a future episode? Submit it⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with JK on Instagram:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@coachjkmcleod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Email JK: jk@feedyourhabits.comSubscribe on YouTube:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@CoachJKMcLeod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out Feed Your Habits* apparel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(code: JKFYH for 10% off)*available in the US only at this time

Ummmm....Why you need this episode in your life: This week, Holly is serving up the ultimate style cheat sheet for looking fresh, modern, and yes—younger—by suggesting these summer trends that can actually age you backwards. #justsayin   If you're one of us, and you're over 40 (or 50, or beyond), and feel like fashion trends are for someone else, think again. Holly breaks down the Top Summer 2025 Trends that flatter every age and body type—with tips that are easy, wearable, and guaranteed to boost your style confidence.   These trends will help you update your wardrobe, rethink your go-to pieces, and bring new life to what you already own. Looking younger is all about how you wear it, not just what you wear. Solid top + pants = snore. Top + pant + jacket + statement necklace + patterned shoe + fun bag = You at the top of the style food chain.   HOT SUMMER TIP:

Just because you don't have lots of acreage, that doesn't mean you can't start homesteading or learning to homestead right where you are. And, one of the things you might learn along the way is how to be content with and steward what you have. Courtney from "The Heart of Home" YouTube Channel and Instagram account joins Megan on the podcast to share what she is doing on her suburban homestead and how she is choosing contentment and stewardship while waiting for more.  

Forensic consultant Paul Sippil explains little-known costs for business owners and plan participants and what you can do about them. When it comes to retirement planning, one of the most overlooked areas is the cost hiding within your 401(k) plan. I sat down with Paul Sippil, a forensic 401(k) consultant, in this week's episode of the Retirement Revealed podcast. For the last 20 years, Paul has been helping employers and plan participants understand the full picture of what a 401(k) really costs–and most importantly, what you can do about it. What we revealed may surprise you: many of the fees you could be paying are seemingly invisible, unspoken, and quietly leaving your retirement savings. Your 401(k) Isn't "Free" One of the most common phrases Paul hears when talking with business owners and plan participants is: “I'm not paying anything.” And technically, they're not—at least not directly. That's because 401(k) fees often don't show up on an invoice. Instead, they're extracted from participant accounts through asset-based fees, commissions, and revenue sharing agreements that most people never even notice. Here's the reality: if you're in a 401(k), especially with a small to mid-sized employer, you could be overpaying. And no one may be telling you. The Bigger the Balance, the Bigger the Fee Many 401(k) service providers charge asset-based fees, meaning the more money you have in the plan, the more you pay—even if the services don't change. That fee structure hits high-balance employees (often business owners or long-time participants) the hardest. For example, if your plan has $3 million in assets and your advisor is receiving 0.75% annually, that's $22,500 per year in compensation—whether or not they're actively helping you. Would you pay that if you received an invoice in the mail? However, when the fee is simply deducted from your account through share class expense ratios or revenue sharing, many people never realize it. Small Plans, Big Problems If you work at or own a small business with under 100 employees, your per-participant fees are likely much higher than those in larger plans. According to the U.S. Department of Labor, large plans (those with over $100 million) can be up to 50% cheaper in relative costs. Smaller plans are often stuck with higher costs and less transparency. How to Spot the Hidden Fees Finding these costs isn't easy, but there are tools: Form 5500: This publicly available tax form (found at www.efast.dol.gov) details plan costs and fund options for plans with over 100 participants. Review Share Classes: Funds come in multiple share classes. Some, like “R2,” may carry hefty embedded commissions. Ask your provider if lower-cost versions like “R6” are available. Watch for “Revenue Sharing”: This outdated and opaque compensation method allows brokers and recordkeepers to collect fees without ever issuing a bill. Why Transparency Matters Paul made an interesting point: if employers were required to write a check for 401(k) services as opposed to having the fees quietly and automatically withdrawn, he believes the plan-holders and business owners would actually negotiate those fees, thus resulting in lowered costs. But the industry thrives on invisibility—making it hard for both employers and employees to question or benchmark what they're paying. That's why we suggest a simple test: If your financial advisor can't clearly explain what they're being paid and what you're getting in return, it's time to ask better questions and evaluate your options. Self-Directed Brokerage Accounts (SDBA) If your current 401(k) doesn't offer the investment options you want, ask your employer about adding a Self-Directed Brokerage Account. This feature allows you to invest in a wider range of funds—including ETFs and commodities—that may not be available in your default menu. Not every provider offers this, but it's worth requesting.

Can an increase in defence spending affect investments in green energy and digital infrastructure? What do US tariff threats mean for the ECB? How does the ECB support smaller countries in the Eurosystem? And is AI an opportunity or a risk for the financial future? In the last episode of our Sintra series, our host Stefania Secola takes us on a walk around the ECB Forum and gets top experts to answer your questions. The views expressed are those of the speakers and not necessarily those of the European Central Bank. Published on 9 July 2025 and recorded during the ECB Forum on Central Banking in Sintra between 30 June and 2 July 2025. In this episode: 02:05 Defence spending Can an increase in defence spending affect investments in green energy and digital infrastructure? 08:08 Tariffs How do US tariff threats affect the economy? What do they mean for the ECB? And what are the opportunities for Europe? 14:14 Smaller vs. bigger economies in the Eurosystem Does the ECB prioritise bigger economies over smaller ones? Do smaller countries, such as Slovenia, benefit from the ECB's monetary policy? 18:55 Artificial intelligence Is AI an opportunity or a risk for the financial future? Further readings: Gensler, G., Johnson, S., Panizza, U. and Weder di Mauro, B.: The Economic Consequences of The Second Trump Administration: A Preliminary Assessment https://cepr.org/publications/books-and-reports/economic-consequences-second-trump-administration-preliminary The ECB Podcast: AI: economic game changer or job taker? https://soundcloud.com/europeancentralbank/ai-economic-game-changer-or-job-taker ECB Instagram https://www.instagram.com/europeancentralbank/

Samsung and Epic Games reach a settlement ahead of Unpacked, and Tom breaks down the mystery behind the major Bitcoin transfer from the weekend.Starring Jason Howell and Tom Merritt.Links to stories discussed in this episode can be found here. Hosted on Acast. See acast.com/privacy for more information.

Learn more at: www.craftbeerrebranded.com / http://www.beyondbeerbook.com-Have a topic or question you'd like us to field on the show? Shoot it our way: hello@cododesign.com-Join 8,000+ food and bev industry pros who are subscribed to the Beer Branding Trends Newsletter (and access all past issues) at: www.beerbrandingtrends.com 

The episode emphasizes that visibility requires purposeful posting, not just increased quantity; creators often feel invisible despite frequent posting due to ineffective strategies.Host Karena Calhoun experienced a breakthrough by realizing engagement and the right messaging were key after feeling overlooked in her content journey.A three-part Visibility Formula is introduced: Positioning (clarity in messaging), Engagement-Based Content (conversational posts), and Consistency Over Volume (focus on quality with 3-4 impactful posts).Positioning example illustrates specific messaging: 'I teach introverted entrepreneurs how to attract online clients without feeling drained' shows the power of niche targeting.Three myths are debunked: 1) Daily posting isn't essential for relevance; 2) Algorithms reward engagement, not mere presence; 3) Smaller followings can yield higher sales.Engagement is a two-way street; creators must initiate interaction to boost visibility and solve low engagement problems.Understanding the audience is crucial; creators should actively analyze DMs, comments, and competitors to better meet follower needs.The podcast stresses the importance of being visible on preferred platforms where the audience is most active, enhancing genuine engagement.Lastly, visibility requires smarter strategies rather than just harder work; immediate fixes are attainable for creators facing visibility challenges.

(Friday 07/07/25)Why California's plan to ‘make polluters pay' stalled again. The battle to keep consumers means smaller packs of cookies and chips. Trump signs order to raise national park fees for foreign visitors.

Today's Topics:1. Sound Signature Review 6.192 – Engaged Industries Operator 5.56 on the MK18. Smaller diameter silencers making a comeback? Potentially. Does this silencer bring competitive performance to a crowded market? Technical discussion for this technical report published last week. (00:08:50)2. Ongoing testing is awesome. New test hosts are awesome. New silencers are awesome. What a time to be alive! Let's have a quick chat about where we see things going in the industry, as related to technology and performance. (00:41:20)Sponsored by - Silencer Shop, Top Gun Range Houston, Legion Athletics, Capitol Armory, and the PEW Science Laboratory!Legion Athletics: use code pewscience for BOGO off your entire first order and 20% cash back always!Magpul: Use code PSTEN to receive $10 off your order of $100 or more at Magpul

In this Season 10 finale of The Remarkable Retail Podcast, Steve interviews Vuori CEO & Founder Joe Kudla live on-stage during the closing keynote of the CommerceNext Growth Show in New York. Steve and Michael also are on-stage for a session gleaning the top retail trends of the year so far and set the stage for what's most important to focus on the balance of the year.Instead of covering the week's headlines, Michael and Steve zoom out to examine the trends that have defined the year thus far. Tariff turbulence remains the dominant storyline, with the July 9th extension deadline looming and limited trade progress made—raising uncertainty about supply chains, pricing, and margins. Retailers are already grappling with rising costs and making difficult decisions about whether to absorb the impact through vendor, consumer, or margin adjustments.They spotlight a troubling acceleration in store closures, forecasting 2025 as a record year for retail contraction, particularly in drugstore and department store categories. Meanwhile, growth continues to concentrate, with Amazon, Walmart, and Costco accounting for over half of all incremental retail gains. Smaller out-performers, such as Vuori and Abercrombie, stand out, but the middle is collapsing through a combination of unremarkable business designs and lackluster execution.The hosts also analyze the contrasting fortunes of Walmart's soaring apparel success versus Target's continued slump and reflect on emerging disruption from agentic AI—potentially reshaping how consumers search, shop, and connect with brands. With luxury contraction predicted for the first time in 15 years and labor dynamics in flux, retailers face a complex and volatile landscape.Then, it's over to an on-stage interview with Vuori CEO & Founder Joe Kudla, who joins Steve live for the closing keynote at the CommerceNext Growth Show in New York City for a candid and inspirational conversation about scaling a lifestyle brand with purpose. Joe shares how Vuori—rooted in the beachside town of Encinitas, California—pivoted from a near-collapse to a $5.5 billion valuation last year, thanks to an obsessive focus on product quality, fabric innovation, and deep community connection.Kudla walks listeners through Vuori's growth strategy: starting with DTC success, expanding to wholesale, and now operating over 80 physical stores—each serving as a local brand hub. He discusses how in-person retail drives stronger omni-channel customers and why authenticity in influencer partnerships is more important than ever in a crowded media landscape.As Vuori expands globally with new stores in London, Shanghai, and Seoul, Joe remains grounded in his role as the brand's chief product evangelist and men's fit model. His leadership lesson? Stay vulnerable, stay curious, and always lead with great products. About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

Michael Ware, with Institutional Property Advisors in Dallas, shares critical information in making smart apartment investing decisions. Michael believes that Dallas-Fort Worth (DFW) remains a top-performing multifamily market due to strong population and job growth. DFW multifamily trade volume has rebounded from $5 billion in 2023 to an expected $8–10 billion in 2024, to even higher in 2025 thus signaling recovery. Institutional capital is re-entering the market, focusing on Class A properties. Some of the challenges he saw were operational headwinds including oversupply, elevated concessions, and difficulties raising equity for deals over $10 million and workforce housing facing higher delinquency rates and vacancy issues, compounded by tenant-friendly eviction policies. Today, opportunities for institutional buyers are with Class A properties in prime locations, while B and C properties are offering better yields for private investors. Rent growth is expected to accelerate in 2025–2026 due to undersupply and affordability challenges in single-family housing. He offered advice to buyers: Smaller operators should focus on organization, transparency, and demonstrating financial readiness to compete with larger institutions, and well-located 1980s workforce housing offers strong potential for yield and long-term growth. To contact Michael Ware at IPA: mware@ipausa.com Are you ready to unlock the potential of Multifamily Syndications? Discover how Michael Becker's proven real estate syndication business can open doors to financial growth and your long-term success. Visit SPIADVISORY.COM today and start your journey toward smarter investing!