Podcasts about Smaller

Aideen O'Mahoney, Principal, Clohanes National School, Clare and Ray Nagle, CEO of The Lunch Bag

Don't hit girls. Don't pick on those smaller than you. Violence is a sin. Why don't we listen? Donna Bartos has devoted her life to finding answers.

Experiment of downsizing was a success.

Oversized camera backpacks and the social media hype behind them. Learn why smaller, smarter camera bags can save your back and your sanity.   For a full transcript visit: New York City Photo Safari

This week we talk about General Motors, the Great Recession, and semiconductors.We also discuss Goldman Sachs, US Steel, and nationalization.Recommended Book: Abundance by Ezra Klein and Derek ThompsonTranscriptNationalization refers to the process through which a government takes control of a business or business asset.Sometimes this is the result of a new administration or regime taking control of a government, which decides to change how things work, so it gobbles up things like oil companies or railroads or manufacturing hubs, because that stuff is considered to be fundamental enough that it cannot be left to the whims, and the ebbs and eddies and unpredictable variables of a free market; the nation needs reliable oil, it needs to be churning out nails and screws and bullets, so the government grabs the means of producing these things to ensure nothing stops that kind of output or operation.That more holistic reworking of a nation's economy so that it reflects some kind of socialist setup is typically referred to as socialization, though commentary on the matter will still often refer to the individual instances of the government taking ownership over something that was previously private as nationalization.In other cases these sorts of assets are nationalized in order to right some kind of perceived wrong, as was the case when the French government, in the wake of WWII, nationalized the automobile company Renault for its alleged collaboration with the Nazis when they occupied France.The circumstances of that nationalization were questioned, as there was a lot of political scuffling between capitalist and communist interests in the country at that time, and some saw this as a means of getting back against the company's owner, Louis Renault, for his recent, violent actions against workers who had gone on strike before France's occupation—but whatever the details, France scooped up Renault and turned it into a state-owned company, and in 1994, the government decided that its ownership of the company was keeping its products from competing on the market, and in 1996 it was privatized and they started selling public shares, though the French government still owns about 15% of the company.Nationalization is more common in some non-socialist nations than others, as there are generally considered to be significant pros and cons associated with such ownership.The major benefit of such ownership is that a government owned, or partially government owned entity will tend to have the government on its side to a greater or lesser degree, which can make it more competitive internationally, in the sense that laws will be passed to help it flourish and grow, and it may even benefit from direct infusions of money, when needed, especially with international competition heats up, and because it generally allows that company to operate as a piece of government infrastructure, rather than just a normal business.Instead of being completely prone to the winds of economic fortune, then, the US government can ensure that Amtrak, a primarily state-owned train company that's structured as a for-profit business, but which has a government-appointed board and benefits from federal funding, is able to keep functioning, even when demand for train services is low, and barbarians at the gate, like plane-based cargo shipping and passenger hauling, becomes a lot more competitive, maybe even to the point that a non-government-owned entity may have long-since gone under, or dramatically reduced its service area, by economic necessity.A major downside often cited by free-market people, though, is that these sorts of companies tend to do poorly, in terms of providing the best possible service, and in terms of making enough money to pay for themselves—services like Amtrak are structured so that they pay as much of their own expenses as much as possible, for instance, but are seldom able to do so, requiring injections of resources from the government to stay afloat, and as a result, they have trouble updating and even maintaining their infrastructure.Private companies tend to be a lot more agile and competitive because they have to be, and because they often have leadership that is less political in nature, and more oriented around doing better than their also private competition, rather than merely surviving.What I'd like to talk about today is another vital industry that seems to have become so vital, like trains, that the US government is keen to ensure it doesn't go under, and a stake that the US government took in one of its most historically significant, but recently struggling companies.—The Emergency Economic Stabilization Act of 2008 was a law passed by the US government after the initial whammy of the Great Recession, which created a bunch of bailouts for mostly financial institutions that, if they went under, it was suspected, would have caused even more damage to the US economy.These banks had been playing fast and loose with toxic assets for a while, filling their pockets with money, but doing so in a precarious and unsustainable manner.As a result, when it became clear these assets were terrible, the dominos started falling, all these institutions started going under, and the government realized that they would either lose a significant portion of their banks and other financial institutions, or they'd have to bail them out—give them money, basically.Which wasn't a popular solution, as it looked a lot like rewarding bad behavior, and making some businesses, private businesses, too big to fail, because the country's economy relied on them to some degree. But that's the decision the government made, and some of these institutions, like Goldman Sachs, had their toxic assets bought by the government, removing these things from their balance sheets so they could keep operating as normal. Others declared bankruptcy and were placed under government control, including Fannie Mae and Freddie Mac, which were previously government supported, but not government run.The American International Group, the fifth largest insurer in the world at that point, was bought by the US government—it took 92% of the company in exchange for $141.8 billion in assistance, to help it stay afloat—and General Motors, not a financial institution, but a car company that was deemed vital to the continued existence of the US auto market, went bankrupt, the fourth largest bankruptcy in US history. The government allowed its assets to be bought by a new company, also called GM, which would then function as normal, which allowed the company to keep operating, employees to keep being paid, and so on, but as part of that process, the company was given a total of $51 billion by the government, which took a majority stake in the new company in exchange.In late-2013, the US government sold its final shares of GM stock, having lost about $10.7 billion over the course of that ownership, though it's estimated that about 1.5 million jobs were saved as a result of keeping GM and Chrysler, which went through a similar process, afloat, rather than letting them go under, as some people would have preferred.In mid-August of this year, the US government took another stake in a big, historically significant company, though this time the company in question wasn't going through a recession-sparked bankruptcy—it was just falling way behind its competition, and was looking less and less likely to ever catch up.Intel was founded 1968, and it designs, produces, and sells all sorts of semiconductor products, like the microprocessors—the computer chips—that power all sorts of things, these days.Intel created the world's first commercial computer chip back in 1971, and in the 1990s, its products were in basically every computer that hit the market, its range and dominance expanding with the range and dominance of Microsoft's Windows operating system, achieving a market share of about 90% in the mid- to late-1990s.Beginning in the early 2000s, though, other competitors, like AMD, began to chip away at Intel's dominance, and though it still boasts a CPU market share of around 67% as of Q2 of 2025, it has fallen way behind competitors like Nvidia in the graphics card market, and behind Samsung in the larger semiconductor market.And that's a problem for Intel, as while CPUs are still important, the overall computing-things, high-tech gadget space has been shifting toward stuff that Intel doesn't make, or doesn't do well.Smaller things, graphics-intensive things. Basically all the hardware that's powered the gaming, crypto, and AI markets, alongside the stuff crammed into increasingly small personal devices, are things that Intel just isn't very good at, and doesn't seem to have a solid means of getting better at, so it's a sort of aging giant in the computer world—still big and impressive, but with an outlook that keeps getting worse and worse, with each new generation of hardware, and each new innovation that seems to require stuff it doesn't produce, or doesn't produce good versions of.This is why, despite being a very unusual move, the US government's decision to buy a 10% stake in Intel for $8.9 billion didn't come as a total surprise.The CEO of Intel had been raising the possibility of some kind of bailout, positioning Intel as a vital US asset, similar to all those banks and to GM—if it went under, it would mean the US losing a vital piece of the global semiconductor pie. The government already gave Intel $2.2 billion as part of the CHIPS and Science Act, which was signed into law under the Biden administration, and which was meant to shore-up US competitiveness in that space, but that was a freebie—this new injection of resources wasn't free.Response to this move has been mixed. Some analysts think President Trump's penchant for netting the government shares in companies it does stuff for—as was the case with US Steel giving the US government a so-called ‘golden share' of its company in exchange for allowing the company to merge with Japan-based Nippon Steel, that share granting a small degree of governance authority within the company—they think that sort of quid-pro-quo is smart, as in some cases it may result in profits for a government that's increasingly underwater in terms of debt, and in others it gives some authority over future decisions, giving the government more levers to use, beyond legal ones, in steering these vital companies the way it wants to steer them.Others are concerned about this turn of events, though, as it seems, theoretically at least, anti-competitive. After all, if the US government profits when Intel does well, now that it owns a huge chunk of the company, doesn't that incentivize the government to pass laws that favor Intel over its competitors? And even if the government doesn't do anything like that overtly, doesn't that create a sort of chilling effect on the market, making it less likely serious competitors will even emerge, because investors might be too spooked to invest in something that would be going up against a partially government-owned entity?There are still questions about the legality of this move, as it may be that the CHIPS Act doesn't allow the US government to convert grants into equity, and it may be that shareholders will find other ways to rebel against the seeming high-pressure tactics from the White House, which included threats by Trump to force the firing of its CEO, in part by withholding some of the company's federal grants, if he didn't agree to giving the government a portion of the company in exchange for assistance.This also raises the prospect that Intel, like those other bailed-out companies, has become de facto too big to fail, which could lead to stagnation in the company, especially if the White House goes further in putting its thumb on the scale, forcing more companies, in the US and elsewhere, to do business with the company, despite its often uncompetitive offerings.While there's a chance that Intel takes this influx of resources and support and runs with it, catching up to competitors that have left it in the dust and rebuilding itself into something a lot more internationally competitive, then, there's also the chance that it continues to flail, but for much longer than it would have, otherwise, because of that artificial support and government backing.Show Noteshttps://www.reuters.com/legal/legalindustry/did-trump-save-intel-not-really-2025-08-23/https://www.nytimes.com/2025/08/23/business/trump-intel-us-steel-nvidia.htmlhttps://arstechnica.com/tech-policy/2025/08/intel-agrees-to-sell-the-us-a-10-stake-trump-says-hyping-great-deal/https://en.wikipedia.org/wiki/General_Motors_Chapter_11_reorganizationhttps://www.investopedia.com/articles/economics/08/government-financial-bailout.asphttps://www.tomshardware.com/pc-components/cpus/amds-desktop-pc-market-share-hits-a-new-high-as-server-gains-slow-down-intel-now-only-outsells-amd-2-1-down-from-9-1-a-few-years-agohttps://www.spglobal.com/commodity-insights/en/news-research/latest-news/metals/062625-in-rare-deal-for-us-government-owns-a-piece-of-us-steelhttps://en.wikipedia.org/wiki/Renaulthttps://en.wikipedia.org/wiki/State-owned_enterprises_of_the_United_Stateshttps://247wallst.com/special-report/2021/04/07/businesses-run-by-the-us-government/https://en.wikipedia.org/wiki/Nationalizationhttps://www.amtrak.com/stakeholder-faqshttps://en.wikipedia.org/wiki/General_Motors_Chapter_11_reorganization This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit letsknowthings.substack.com/subscribe

The FIA's 2026 Formula 1 regulations are here... and they're massive. Smaller cars, active aero, 50/50 hybrid power, and fully sustainable fuel will change the sport forever. In this Paddock 43 mini, we break down what's coming, why the rules matter, and how it will shape the grid from Mercedes and Ferrari to Red Bull. Whether you're a die-hard F1 fan or planning your first trip to Albert Park, this is everything you need to know before the biggest reset since 2014. Thinking about your next car? Check out Nero Financial's car financing options. Smart, simple, and stress-free. https://nerofinancial.com.au/paddock43/ Book your next adventure with Adrenaline and use code PADDOCK10 for 10% off!

Chaos cooking. A new trend. Well, sort of new. About two years old at this point, but it's found it's way into restaurants across the country. What started as a "throw it from the pantry into a pot" technique has morphed into the new version of culinary fusion.We're Bruce Weinstein & Mark Scarbrough, authors of more than three dozen cookbooks, including our latest: COLD CANNING, a guide to turning small batches of fresh produce into jams, chutneys, conserves, sauces, chili crisps, dessert toppings, and more, without a steam- or pressure-canner in sight.We have lived through the ages of fusion cuisine and are really intrigued by this new take. It's sloppier and messier, but it's also sort of fun. Plus, we've got a one-minute cooking tip about how to cook faster. And we'll tell you what's making us happy in food this week.Here are the segments for this episode of COOKING WITH BRUCE & MARK:[01:12] Our one-minute cooking tip. Smaller things cook faster![04:41] Chaos cooking: what is it, how does it work, and how have you already had an example of it without necessarily knowing it?[23:10] What's making us happy in food this week: fresh New England corn on the cob!

Guest: Errol Weiss, Chief Security Officer (CSO) at Health-ISAC Topics: How adding digital resilience is crucial for enterprises? How to make the leaders shift from “just cybersecurity“  to “digital resilience”? How to be the most resilient you can be given the resources? How to be the most resilient with the least amount of money? How to make yourself a smaller target? Smaller target measures fit into what some call “basics.”  But “Basic” hygiene is actually very hard for many. What are your top 3 hygiene tips for making it happen that actually work? We are talking about under-resources orgs, but some are much more under-resourced, what is your advice for those with extreme shortage of security resources? Assessing vendor security - what is most important to consider today in 2025?  How not to be hacked via your vendor? Resources: ISAC history (1998 PDD 63) CISA Known Exploited Vulnerabilities Catalog Brian Krebs blog Health-ISAC Annual Threat Report  Health-ISAC Home  Health Sector Coordinating Council Publications Health Industry Cybersecurity Practices 2023 HHS Cyber Performance Goals (CPGs)  10 ways to make cyber-physical systems more resilient EP193 Inherited a Cloud? Now What? How Do I Secure It? EP65 Is Your Healthcare Security Healthy? Mandiant Incident Response Insights EP49 Lifesaving Tradeoffs: CISO Considerations in Moving Healthcare to Cloud EP233 Product Security Engineering at Google: Resilience and Security EP204 Beyond PCAST: Phil Venables on the Future of Resilience and Leading Indicators

Successful contracting businesses need strong partnerships with subcontractors and vendors, which starts with a proper onboarding process designed to create long-term, profitable relationships for everyone involved.• Two main categories: day-to-day crews (smaller operations handling labor) and larger vendors (established companies with their own processes)• Large vendors require basic information collection, W-9s, and Certificates of Insurance with your company listed as a holder• Smaller crews need in-person meetings in proper settings to establish true partnerships• Skills assessment helps determine what subcontractors can do profitably and enjoyably• Job timeline discussion explains pricing and profit structure transparently• Subcontractor agreements cover payment terms, on-site behavior, client communication protocols, and warranty expectations• Work orders should specify exactly what work is to be done, when to complete it, and payment amounts• Consider allowing a one-month trial period before requiring insurance• Proper documentation protects both parties and prevents misunderstandings• The goal is setting foundations for relationships that will last 10-20 yearsIf you're interested in getting help with your contracting business, reach out at ProStruct360.com or ContractorCuts.com to learn about coaching options and the upcoming planning retreat in January.Struggling to grow your contracting business? The Foundations Program is designed to help contractors break free from the chaos and build a business that runs smoothly. You'll get a customized training program, 1-on-1 coaching, and access to a full paperwork database—including contracts and the Client Engagement Agreement. Join the Foundations Program today!

INTERVIEW: Princess Chelsea on delivering Going Global Festival keynote address & how smaller artists can attract international audiences by Tina Turntables on Radio One 91FM Dunedin

The closer you get to the cross, both the actual one and the daily cross of self-denial, the smaller the crowds you will find around you. When Jesus starts His earthly ministry, He picks 12 men as His disciples, begins preaching, and soon there are thousands following Him. But a funny thing begins to happen, the closer Jesus gets to the cross at Calvary, the more people are offended and leave Him. Why do you suppose that is?

Welcome back to our weekend Cabral HouseCall shows! This is where we answer our community's wellness, weight loss, and anti-aging questions to help people get back on track! Check out today's questions:    Sarah: Hello! Back with another question.. Im 28 female from scotland, and have had hair growing in places I shouldn't since age 24. The hair under my chin and a bit on my neck/cheeks is what gets me down the most. My doctor has checked me for PCOS through bloodwork and said everything was fine. I've recently did your hormone test. Testosterone was great, estrogen good, progesterone was low and cortisol was low. I've been on progesterone support, adrenal energy aswell as DNS, greens, omegas etc for some time now. I also take pumpkin seed oil and saw palmetto. The hair just keeps growing. What else can I do? I've tried countless rounds of laser but it just returns. Is hair in this area always related to PCOS/hormones? Can it just be genetics? Thank you!!                                                            Larissa: Hello! I was exposed to black mold for 6 yrs about 5yrs ago. Although my most severe symptoms went away, some longer. I've been working with a naturopath whom recommended a protocol with cholestyramine, charcoal, and minerals for about 1M. However, I've read Andrew Campbell mold protocol and he recommends itraconazole for 7 days. I did my urine mycotoxin testing FYI which still shows a high load of most all strains. Which do you recommend? I want to get rid of all the mold with the least side effects and avoiding constipation (I already have to take daily magnesium citrate to have daily bowel movements). Thank you!!!                                                                                                          Sabrina: Hi doctor Cabral. I'm hoping you can help me with something that is super frustrating. My stomach craves large meals for satisfaction, yet they cause bloating. Conversely, small-volume meals, despite being calorie-dense, just don't register as filling, leaving me wanting more. Is there a way to solve this, meaning training your stomach to be satisfied with smaller meals? Thanks so much for your help!                     Lisa: I am a 48yr old female and have elevated kidney function. 1.1.  have been told not to take creatine. I have heard multiple times that to much protein can have an effect on kidney function also. I love to workout and fir my age high protein and creatine is suppose to be good for someone who works out. Will these things truly hinder or further hinder my kidney function.                                                                                   Cassi: Just completed your book, The Rain Barrel Effect, and was wondering if you have worked with anyone with EOE (Eosinophilic esophagitis) to successfully get them off of PPIs? I've also dealt with histamine intolerance, that I've actually been able to reverse through a lot of what you teach in the book, and I have also gotten down from 20mg of omeprazole twice a day to 20mg once every other day but if I go longer than that I find myself choking on food again no matter how little I eat at a time or how well I chew it.      Thank you for tuning into today's Cabral HouseCall and be sure to check back tomorrow where we answer more of our community's questions!    - - - Show Notes and Resources: StephenCabral.com/3487 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!  

Welcome to episode 293 of Grow Your Law Firm, hosted by Ken Hardison. In this episode, Ken sits down with Ron Latz, the Founder of LegalFenix, a legal marketing consultancy offering fractional CMO services to growth-minded law firms. With over 15 years of experience in legal marketing, Ron has helped hundreds of firms strengthen their strategy, hold vendors accountable, and create consistent growth. He shares how smaller law firms can stand out in saturated markets, avoid common SEO pitfalls, and use AI strategically without losing authenticity or trust.     What you'll learn about in this episode:   AI is reshaping legal marketing strategy - Law firms must learn how AI-driven search and content affects visibility - Firms that avoid AI tools risk falling behind in efficiency and reach Smaller firms can still compete with giants - Community involvement and personalized branding are powerful differentiators - Grassroots efforts like newsletters, and speaking gigs help smaller firms build trust Differentiation starts with messaging - Firms must clarify why a prospect should hire them instead of a competitor - Storytelling, clear positioning, and niche services help break through the noise AI is a tool- use it wisely - AI is great for content outlines and repurposing - but human oversight is essential - Abuse of AI can hurt search rankings and brand credibility Authenticity wins on social media - Static, outsourced posts often fall flat—audiences prefer real voices and stories - Ghostwriters can help lawyers find and refine their authentic tone for better impact Resources:  Website: www.legalfenix.com/ LinkedIn: www.linkedin.com/in/ronlatz/ Facebook: www.facebook.com/legalfenixmarketing YouTube: www.youtube.com/@LegalFenix Additional Resources:    https://www.pilmma.org/aiworkshop https://www.pilmma.org/the-mastermind-effect https://www.pilmma.org/resources https://www.pilmma.org/mastermind

In aviation, the most transformative breakthroughs often take place far above the commercial flight lanes, and far below the public radar.  But in today's defense and aerospace economy, those breakthroughs are harder than ever for small companies to bring to life.  Government budgets overwhelmingly favor the largest primes. Smaller, more agile innovators are forced to bankroll their own R&D while competing against firms with deeper pockets, stronger political clout, and guaranteed contracts.  Venture-style “build-to-flip” incentives tempt some to chase quick exits over long-term quality. Even when technology works, commercial adoption can stall as customers demand bespoke designs for each use case. Swift Engineering's record-breaking high-altitude glider is one such breakthrough fighting its way through that gauntlet.  Designed to fly at 67,000 feet for days at a time, this ultra-light, solar-powered aircraft can do what satellites can't: hold a fixed position, deliver real-time intelligence, and land on a runway. At just 1% of the cost. For Hamed Khalkhali, Swift's president, the innovation story isn't just about engineering excellence. It's about surviving and thriving in a system that often seems built for incumbents.  In this conversation, he unpacks the strategic, funding, and talent challenges that determine which companies survive in the next wave of aerospace innovation.   You'll also learn: High-altitude, solar UAV that outperforms satellites at 1% of the cost. Why system integration is aerospace's next frontier. The funding squeeze forcing small firms to self-finance R&D. The “moral accuracy” gap shaping U.S. drone strategy. How fresh grads can drive bigger breakthroughs than veterans. Keeping start-up creativity alive in bigger organizations. Guest Bio Hamed Khalkhali is the President of Swift Engineering and an adjunct professor at Cal Poly Pomona, with more than 25 years of experience spanning technical innovation, leadership, and cross-disciplinary communication. He brings over a decade of expertise in system-level design for Fly-by-Wire flight control systems with the highest safety standards (FDAL-A), along with deep knowledge of ARP-4752, DO-160, and DO-178 certification processes. Throughout his career, Hamed has led high-performance engineering organizations, managing teams across mechanical, electrical, verification and validation, manufacturing, AI, machine learning, quality control, supply chain, and R&D. He is known for integrating manufacturing engineering into the earliest stages of design, optimizing products through rigorous processes such as Six Sigma, Lean, Kaizen, and design-for-manufacturability. His leadership approach blends technical precision with a focus on systems integration, efficiency, and innovation in both aerospace and defense. Connect with Hamed on LinkedIn.    About Your Host Craig Picken is an Executive Recruiter, writer, speaker and ICF Trained Executive Coach. He is focused on recruiting senior-level leadership, sales, and operations executives in the aviation and aerospace industry. His clients include premier OEMs, aircraft operators, leasing/financial organizations, and Maintenance/Repair/Overhaul (MRO) providers and since 2008, he has personally concluded more than 400 executive-level searches in a variety of disciplines. Craig is the ONLY industry executive recruiter who has professionally flown airplanes, sold airplanes, and successfully run a P&L in the aviation industry. His professional career started with a passion for airplanes. After eight years' experience as a decorated Naval Flight Officer – with more than 100 combat missions, 2,000 hours of flight time, and 325 aircraft carrier landings – Craig sought challenges in business aviation, where he spent more than 7 years in sales with both Gulfstream Aircraft and Bombardier Business Aircraft. Craig is also a sought-after industry speaker who has presented at Corporate Jet Investor, International Aviation Women's Association, and SOCAL Aviation Association.    Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

Cheryl Smith and Alison McConnell are back for Episode 2 of Pitched Perfect to discuss the opening weekend in the SWPL, why the eight second rule for goalkeepers is adding to the policing of football, the advantages of women's teams playing in men's stadiums and who to look out for in Scottish football this season. 

The Deep State is getting gutted by Tulsi Gabbard. Dems across America are being criminally referred for various crimes they have committed over the years. America is so back! Roger Stone says he expect deep state indictments to start coming very soon!Guest: Roger StoneSponsor:My PillowWww.MyPillow.com/johnSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

More than 300,000 North Dakotans own land and minerals used for oil production. That means they receive royalties from the oil that companies pump from their land. Many families have been receiving those royalties for generations since the oil boom started in the region in the early 1950s. But new reporting finds that those royalties have shifted drastically over the last decade. While oil companies are pumping just as much oil as ever, landowners are seeing smaller and smaller paychecks. ProPublica and North Dakota Monitor journalist Jacob Orledge investigated why and recently published a series of articles on his findings. He joined Minnesota Now to share more.

Are you an animal lover thinking about welcoming your first pet into your home? That's so exciting! Here are some friendly tips to help you prepare for the journey of pet ownership and understand the costs involved.   Links: Search for and adopt your next furry friend at petfinder.com Use Triangle's Goal Builder tool to start a saving fund for your next pet or a sinking fund for your current one! Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast!   Owning a pet is one of life's great pleasures. We adore our furry friends—whether they're cats, dogs, rabbits, guinea pigs, or even gerbils! Who wouldn't want a playful buddy to share their lives with?   When it comes to how much a pet will cost you, there can be a big range. Some pets are quite affordable, while others may stretch your budget a bit. But don't worry—with some planning and a little research, you can get a good feel for the expenses that come with your new furry family member, making budgeting a breeze!   So, what should you keep in mind when considering costs?   First up is the purchase price. For dogs, you might find yourself spending anywhere from a couple hundred to a few thousand dollars for certain breeds. Cats typically come in a bit lower, but you should still budget a few hundred dollars. Smaller pets like rabbits, guinea pigs, and hamsters can be more budget-friendly both in terms of purchase price and ongoing care.   Remember, where you get your pet can make a difference in cost. Breeders often charge more, while adopting from a shelter can be a wonderful and economical option. Plus, when you adopt, you're giving a loving home to an animal in need, and many shelter pets are already vaccinated and treated, saving you those initial costs. If you're considering adoption, check out your local humane society or petfinder.com to find animals looking for forever homes.   Next, let's chat about medical expenses. If your new furry friend needs vaccinations, treatments, or surgeries, it's good to know what to expect. Procedures like spaying or neutering are quite common; you might pay around $130-$500 for dogs and $60-$370 or more for cats.   Grooming is another consideration. Some breeds need regular grooming, and while you can definitely take this on yourself if you're up for it, a professional groomer can do wonders too. Expect grooming costs to be around $30-$90 for dogs and about $50-$120 for cats per visit.   Food is a big part of your pet's budget, and there's a wide range of options out there. Whether you go for dry food, wet food, or even fresh scraps (just make sure they're safe for your pet!), you'll want to budget accordingly. Some pet owners even get creative and feed their pets fresh veggies or other kitchen scraps—just be sure to keep their nutritional needs in mind!   Let's not forget about supplies and toys! Depending on your pet, you'll need to stock up on some essentials. For dogs, think about getting a leash, tags, a comfy bed, and plenty of toys. Cats will need a litter box, a few toys, and a cozy place to sleep. Smaller pets like rabbits or guinea pigs will need cages, bedding materials, and a water bottle. Make a checklist of what you'll need and hunt for good deals so you can save a little!   If you're bringing a dog into your life, training is a worthy investment to consider. Some pups benefit greatly from professional classes, with the average cost of classes being $300 per course. But if you're up for the challenge, you can train them at home, too!   Planning to travel? You'll need to consider boarding costs, which for dogs averages $40-$100 per night and for cats $30-$70 per night. Many facilities offer package deals, which can help you save a bit.   Lastly, let's touch on pet insurance. Having coverage can be a lifesaver when unexpected costs hit. Routine vet visits might average a few hundred dollars, but emergency care can quickly add up to thousands. If you think you might struggle to cover those bills, pet insurance might be a smart move.   That's all for today! If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.         Thanks for tuning in to today's Money Tip Tuesday! Be sure to check out our other tips and episodes on the Making Money Personal podcast. Have a fantastic day! 

People are fed up with tipping & it's leading to smaller tips. Hour 2 8/18/2025 full 1997 Mon, 18 Aug 2025 20:00:00 +0000 Uy3KPmVA6kxkNJDP1759NBNWFguI7UZf news The Dana & Parks Podcast news People are fed up with tipping & it's leading to smaller tips. Hour 2 8/18/2025 You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https://playe

In this final episode of the six-part series, Rob Brown explores what the accounting firm of the future will really look like.Smaller teams. Fewer layers. Modular delivery. Tech-first talent. Clients demanding speed, insight and strategic value. The future firm is already taking shape. Are you part of it?Global economic pressure, rising automation, and evolving business models are forcing firms to rethink how they're structured. Rob outlines what changes are happening now and what professionals must do to stay valuable in the next chapter of the profession.Whether you're just starting out, navigating mid-career or sitting in the partner seat, this episode gives you the playbook for what's coming.**Key Takeaways:**➜ Firms are shrinking by design, not decline➜ AI and tech are replacing repetitive tasks➜ Modular, freelance and specialist talent is on the rise➜ Subscription and advisory models are replacing hourly billing➜ Influence, adaptability and visibility are now essential➜ Individuals must build relevance before they need it➜ Firms must stop hoarding talent and start activating it**Killer Quotes:**"The firm you knew is already gone.""Smaller teams are not a weakness. They're a strategy.""Your job is no longer to report the past. It's to shape the future.""Influence beats tenure in the new model.""AI doesn't replace you. It replaces what you've outgrown.""Visibility isn't ego. It's career insurance.""If you're not building relevance now, you'll be left behind later."The Accounting Influencers Podcast (AIP) is aimed at accounting firm leaders, managers and partners looking to build their executive presence, influence and credibility both internally and externally.You can find this on youtube here: https://youtu.be/4ja_ouLBO5k◣━━━━━━━━━━━━━━━━━━━━◢The Accounting Influencers Podcast serves accounting firm leaders, managers and partners looking to build their executive presence, influence and credibility both internally and externally. The show focuses on helping professionals strengthen their personal brand, stay informed about industry changes, and navigate disruptive forces affecting accounting business models and trends. The content includes solo insights from host Rob Brown as well as interviews or panel discussions with industry leaders. Check out the show on your preferred podcast app or platform, or go to the Accounting Influencers YouTube channel for all of the episodes in video format. Rob works with consultants/experts in the accounting space via personal interviews to create video snippets and thought leadership pieces. If you have success stories, valued expertise or a brand that needs amplifying, but lack the time to create thought leadership or video content, chat with Rob on LinkedIn: https://www.linkedin.com/in/therobbrownThanks to our sponsors:ADVANCETRACK OUTSOURCING. Transform your accounting firm with AdvanceTrack. Our top-tier offshoring solutions free your team from mundane tasks, allowing you to focus on growth and client engagement. Experience seamless scalability and expert support. Visit advancetrack.com and elevate your practice today. https://www.advancetrack.comIf you'd like to sponsor the show and elevate your brand with our audience, reach out to show host Rob Brown on LinkedIn and his team will reach out to fix up a chat to explore.

Trent Lee — #1 ranked business broker in the U.S. seven years in a row, with 600+ closed sales totaling over $200M in deals and more than $15M in personal commission. Early hustle: Painted address numbers on neighborhood curbs and mowed lawns — learned value creation early. Current role: Licensed business broker & appraiser. Specializes in small to mid-sized businesses, valuations, and finding qualified buyers through cash, SBA loans, or seller financing. How he got here: Inspired watching his father sell his 700-employee company (private equity deal). Learned firsthand how CPAs, attorneys, and buyers operate in M&A. Started and sold businesses (financing consulting & medical alert response center). Frustrated with brokers he worked with → became one himself. How to become a business broker: Licensing depends on the state (some require real estate + broker permit, others none). Associations like IBBA help standardize training/education. Strong background in accounting, contracts, negotiations, and marketing is essential. Challenge: takes 12+ months before first commissions hit; most fail because they run out of money before their first big close. Earnings potential: Smaller deals: 8–15% commission. Larger/private equity deals: lower %. First year = expect $0 while building pipeline. Year 2+, even a few deals ($500K–$2M businesses) → six figures+. Industry is older (often second careers), but huge opportunity for those who survive the ramp-up. Why brokerage over ownership? Trent opts not to buy businesses himself. Brokerage gives income without employees, leases, or headaches. He's built wealth through business sales commissions, investing proceeds into 24 fully paid rental properties. Why so few business brokers? Most owners don't even know brokers exist (unlike real estate). Lack of awareness & high skill bar keeps supply small — which means big opportunity for specialists. For Buyers: Buying an existing business = easier path to cash flow than startups. Zero-money-down deals are rare clickbait; you'll usually need ~10% down. Can come from: personal cash/savings, self-directed retirement accounts, equity partner, or combination of buyer + seller financing. Buying with 0% down = 100% leverage → dangerous if market fluctuates. Better: leverage smartly so downturns = inconvenient, not devastating. Brokerage is a lucrative but long game; plan financially for the first year with no income. For buyers, don't chase unicorn “zero down” structures — get creative but realistic with 10% in. Buying an existing cash-flowing business is almost always better than starting from scratch. Email: trent@fcbblv.com 

GS-TADE 08-17-2025AM - Series: Guest Speaker - Title: The Blessing of the Larger Story, the Curse of the Smaller - Scripture: II Kings 5

August 19, 2025, Court Leader's Advantage Podcast Episode Many contend that tensions between larger general jurisdiction courts and smaller limited jurisdiction courts stem from disparities in resources, staffing, and technology.  Urban courts, with their towering caseloads, high-stakes criminal prosecutions, sprawling civil disputes, and complexlitigation, tend to attract greater funding, the best technology, and top-tier legal talent.In contrast, smaller suburban and rural courts, quietly manage everyday justice with limited staff and sometimesoutdated systems.  They can find themselves on the margins of statewide judicial planning. Urban courts are often the first to adopt new tools such as AI-assisted litigant self-help, virtual hearings, and real-time language translation. Smaller courts often watch from a distance, struggling with connectivity issues and budget constraints. Is this gap just technological or is it cultural? What works in a bustling city courthouse may falter in a courthouse where everyone knows each other's names. ModeratorKristie CollierCourt Administrator, Maricopa County Justice Courts, Phoenix, Arizona Today's PanelMelinda BrooksSpecialized Dockets Manager, Franklin County Municipal Court, Columbus, OhioTimothy EzellChief Operations Officer, Fulton County Clerk of Superior & Magistrate Courts, Atlanta, GeorgiaCourtney JacksonCourt Administrator, Municipal Court, Decatur, Georgia  Become part of the Conversation. Send in your comments and questions to ⁠CLAPodcast@nacmnet.org#Accesstojustice#Proceduralfairness#Public trustandconfidence #Transparencyinthecourts

A very very stressful Thursday due to a fluke (I hope) phone glitch. Shoot. I forgot the thank you. Thank you Christina Rodriguez for the tour of Laurie's Place! Smaller parking lot can solve a lot of problems. How to not kill yourself with my pal Chat GPT.See omnystudio.com/listener for privacy information.

The Bigger You, the Smaller the Problem Hi everyone, Carl Gould here with your #70secondCEO. Just a little over a one minute investment every day for a lifetime of results. Then the world you're around, you'll be more skilled so I've got really good at my voice to text. So, I can have phone calls and send emails and everything from my phone without ever touching you cause I understand the commence now, you just work on those things, right? So, you wanna become better than the problem you are facing and be able to juggle more, work smarter you know you want to expand you know so you're bigger than the goal as opposed to saying “oh well, I'm overwhelmed let me shrink it down”, no no no it don't work that way, you should be thankful to the problems you have, you wanna become bigger and better than your problems and you know who was it, I think it's Billie Jean King said you know “pressure is a privilege”, right? You know people who don't have pressure you know they don't have that–they're not gonna have the life that you aspire towards, you know what I'm saying. So, take the pressure as a privilege and figure out what's the better way for me to manage it not let me shrink my whole world down so I can handle it, well anyone can do that, right. Like and follow this podcast so you can learn more. My name is Carl Gould and this has been your #70secondCEO.  

Malcolm D. Purkey Born to Cockney Jewish immigrant parents who were entertainers, Malcolm Purkey  is an actor, director, playwright, influential drama lecturer, and theatre administrator.  He holds a BA and Honours from University of Witwatersrand, Johannesburg, an MA in Theatre Studies from the State University New York,  is a Fulbright Scholar and  he is a Graduate of the British Film School. His career and contribution to theatre is monumental. It started in the mad bohemian world of Adam Leslie. While still a student he designed and developed The Box and The Nunnery Theatres for Wits and then managed the influential Workshop 71. He surrounded himself with a group of artistic academic friends who met in a house in Junction Avenue, Parktown.  They formed the Junction Avenue Theatre Company that created politically conscious plays that had an influence on theatre in South Africa.Malcolm took a post lecturing drama at Wits (University of Witwatersrand) becoming Head of Department and an associate Professor. He was asked to assist the Market Theatre through a diffiult period and  turned it around. Malcolm has been a force in the theatre community and has had an enormous impact on hundreds of students. Elizabeth Howard, Producer and Host of the Short Fuse Podcast Elizabeth Howard is the producer and host of the Short Fuse Podcast, conversations with artists, writers, musicians, and others whose art reveals our communities through their lens and stirs us to seek change. Her articles related to communication and marketing have appeared in European Communications, Investor Relations, Law Firm Marketing & Profit Report, Communication World, The Strategist, and the New York Law Journal, among others.  Her books include Queen Anne's Lace and Wild Blackberry Pie, (Thornwillow Press, 2011), A Day with Bonefish Joe (David Godine, 2015) and Ned O'Gorman:  A Glance Back (Easton Studio Press, 2016). She leads reading groups at the Center for Fiction in Brooklyn, New York.  @elizh24 on InstagramThe Arts Fuse The Arts Fuse was established in June, 2007 as a curated, independent online arts magazine dedicated to publishing in-depth criticism, along with high quality previews, interviews, and commentaries. The publication's over 70 freelance critics (many of them with decades of experience) cover dance, film, food, literature, music, television, theater, video games, and visual arts. There is a robust readership for arts coverage that believes that culture matters.The goal of The Arts Fuse is to treat the arts seriously, to write about them in the same way that other publications cover politics, sports, and business — with professionalism, thoughtfulness, and considerable attitude. The magazine's motto, from Jonathan Swift, sums up our editorial stance: “Use the point of your pen … not the feather.” The Arts Fuse has published over 7,000 articles and receives 60,000+ visits a month. This year they are celebrating their 5th birthday, a milestone for a small, independent magazine dedicated to covering the arts.Why The Arts Fuse? Its birth was a reaction to the declining arts coverage in newspapers, magazines, radio, and television. When the number of news pages shrink in the mainstream media, attention is paid. But the continual whittling down of arts coverage has been passed over in silence. Editor-in-Chief Bill Marx started the magazine to preserve the craft of professional arts criticism online, while also looking at new and innovative ways to evolve the cultural conversation and bring together critics, readers, and artists.Serious criticism, by talking about the strengths, weaknesses, and contributions of the arts, plays an indispensable role in the cultural ecology. Smaller, newer organizations need a response. When they are ignored as they are by the mainstream media, they fail to gain an audience. And without an audience, they fold, further weakening the entire ecosystem.Assist The Arts Fuse in their  mission: to keep arts and culture hale and hearty through dialogue rather than marketing.SUBSCRIBE to the weekly e-newsletterLIKE The Arts Fuse on Facebook, FOLLOW  on TwitterHELP  The Arts Fuse thrive by providing underwriting for the magazine. Even better — make a tax deductible donation. 

San Fernando Valley Break ins – Police response times. Smaller city police have better response times. Carjacking police chase – suspects carjacked 4 different vehicles. Historic female MLB umpire Jen Pawol's debut performance results behind home plate are finally in...WNBA new netting for the dildos being thrown.  Fast Food indicated of where the economy is going. Breakfast is not the easiest meal to make. Woman gets stuck in Chuck E Chesse claw machine  Crack Barrel gets a modern make over  

Home builders are hitting the brakes on new projects in response to a slowdown in housing demand and a surge in inventory. Orphe Divounguy says builders are adapting by shifting focus to more affordable markets where they can still make a profit. He notes that builders are leaning into higher density projects like townhomes and condos, which use less land, and that the median lot size has shrunk by almost 11% since the pandemic. Despite these challenges, he believes the pendulum is swinging in favor of buyers.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

The Bureau of Labor Statistics, which has been in the headlines recently for other reasons, has quietly stopped collecting economic data from smaller cities. We chat with Cornell University professor Russell Weaver on why the collection of inflation and other data is being cut in places like Buffalo, New York and Lincoln, Nebraska. Also: two American microchip makers have agreed to give the U.S. government a cut of their sales in China.

The Bureau of Labor Statistics, which has been in the headlines recently for other reasons, has quietly stopped collecting economic data from smaller cities. We chat with Cornell University professor Russell Weaver on why the collection of inflation and other data is being cut in places like Buffalo, New York and Lincoln, Nebraska. Also: two American microchip makers have agreed to give the U.S. government a cut of their sales in China.

Send us a textTired of chasing a smaller number on the scale—only to feel more exhausted, frustrated, and stuck? In this empowering episode, Turo Virta (@personaltrainer_turo) challenges the outdated fitness ideal of "shrinking" and offers a stronger, smarter path for women over 40.You'll learn why focusing on getting stronger—not smaller—builds not only lean muscle and better metabolism, but also confidence, consistency, and body trust. Turo shares real-life client stories (like Skylar, who hit her goal weight and felt worse than ever), practical strength goals you can set, and how to finally ditch the guilt-driven cycle of dieting.

GUEST: Brenda Bailey, B.C's Minister of Finance Learn more about your ad choices. Visit megaphone.fm/adchoices

Some 1.3 million people displaced. 5.7 million people not getting enough food. How do you even begin to conceive of the magnitude of Haiti's crisis, borne from years of political insecurity, gang violence and climate shocks? And how do you begin to feed the country?For Pierre Vauthier, Food and Agriculture Organization (FAO) Representative in Haiti, hope lies in smaller, locally-driven solutions which empower communities to take control of their own food production.  A school feeding programme, for example, which instead of financing imported food, uses funds to expand the capacities of local farmers, not only feeds children but also generates rural self-sufficiency.UN News' Naima Sawaya spoke with Mr. Vauthier to learn more about FAO's work in Haiti and why he remains hopeful for Haiti's future.  

In this episode, we dive into the world of family-owned and smaller senior living communities with Frank Evegan, Chief Operating Officer at Spring Oak Senior Living. Frank shares invaluable insights on what makes these intimate communities unique and why they might be the perfect fit for your loved ones.We explore the benefits of smaller senior living facilities, from personalized care plans to the cozy, home-like atmosphere they offer. Frank provides expert advice on what to look for when touring communities, emphasizing the importance of genuine staff interactions and engaging programming. Whether you're just starting your search or considering a transition, you'll gain practical tips to make an informed decision.Tune in to discover how these family-style communities support aging in place, maintain staff longevity, and create a nurturing environment where residents truly feel at home. Frank also shares touching personal anecdotes, including his own family's experience with Alzheimer's, that underscore the compassionate approach these communities take.Don't miss this enlightening conversation that will help you navigate the complex world of senior living options with confidence and heart.SeniorLivingGuide.com Podcast sponsored by TransMedCare Long Distance Medical Transportation & GoGo Grandparent 855-464-6874 (ext 81714)The background music is written, performed and produced exclusively by purple-planet.com.https://www.purple-planet.com/*SeniorLivingGuide.com Webinars and Podcast represents the opinions and expertise of our guests. The content here is for informational and educational purposes. It does not necessarily represent the views, recommendations, opinions or advice of Fairfax Publishing/SeniorLivingGuide.com or its employees

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.  

Do you like chastity? We have some new ideas for you. Not sure if you want to explore chastity with a Femdom Mistress? Listen and find out why we love chastity.A listener inspired this episode with the following questions:What do women really think of male chastity and being a Keyholder?Are some men meant to be in chastity?What are your favorite chastity devices?Mistress Erika points out that there are different kinds of cages for different kinds of play:A tube style chastity cage that allows for partial erection.Smaller cages can be used for different levels of control.Using the nub for sissy training.Chastity cage with spikes and/or urethral sound so getting an erection is immediately painful.Why would someone want to be in chastity?Submission to the woman that is your keyholder.Freedom from the constant focus on erections and/or jerking off.Refocusing attention on what's important.Using chastity for sissy training:Silicone cages come in colors including sissy pink!Smaller cages can cause shrinking which reinforces sissy focus.Orgasm denial keeps feminization and submission to Mistress as the sissy life.2 previous episodes mentioned in this podcast:Chastity Interview with William of Mature MetalAndHow do I get my vanilla wife to put me in chastity? Meet Mrs. Mature MetalJOIN the conversation!Our adult social networking site: Enchantrix EmpireDISCORD: LDWOlivia and LDWErikaMistress Olivia's blog:  Experienced MistressMistress Erika's blog: Intelligent Phone Fantasy

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

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comThe idea behind Dolce Far Niente was to create a portfolio of low-risk investments for today's market conditions, that you can buy and, pretty much, forget about. You don't have to keep checking prices every day. Hence “Dolce Far Niente” - “the sweetness of doing nothing.” No worries would be the Australian translation.Asset allocation is WAY more important than individual stock-picking. I could pick the best biotech company in the world, but if biotech is in a bear market, I almost needn't bother. I'm better off out of the sector. But similarly, if a sector is in a full-on bull market, even pigs fly.The starting point for the portfolio, which we began on October 1, 2023, was as follows.* Gold: 15%* Bitcoin: 5%* Special situations: 10% (the ”fun” part of the portfolio, for example some of the smallcaps I write about on here)* Uranium: 5% (reduced to 2.5% as things got frothy)* Oil and Gas: 10%* Bonds and Wealth Preservation: 20%* Equities (35%)* UK & Europe (20%)* US (25%)* Smaller cos and private equity (30%)* Asia (15%)* Japan (5%)* EMs (5%)No allocation to real estate.Please like and share this post. It helps :)Since that October 2023 starting point, certain assets - gold, bitcoin and US equities - now account for far greater percentages, with energy, bonds and wealth preservation not having done so well.If you are starting this portfolio now, I would still recommend sticking to the original allocation and letting things grow.Really, I should re-allocate, but I don't want to sell any bitcoin and I don't want to sell any gold. In fact, to be honest, there is a very strong case for just owning bitcoin and being done with everything else. But that wouldn't be balanced and that's not what this portfolio is about.The only change we have made since October 2023 was to reduce uranium from 5% to 2.5% in February 2024. Uranium felt a bit frothy was the reason. More a gut- than evidence-based decision, and it proved the right one. I'm going to make one, quite major change to the portfolio today - in the equities department. More on this in a moment.Lastly, do as I say, not as I do. In my own portfolio, my allocation to bonds and wealth preservation is tiny: maybe 2%. I am overweight gold, bitcoin and special situations (smallcaps mostly).At some stage, I will get my comeuppance as a result, and it won't be the first time. Then I'll swear to change my habits, and then I will - for a bit - and then I won't. But a more sensible investor would keep their portfolio to the above allocation.Let's examine things in a bit more detail1. Gold (15%)It's done very well. Up about 80% since we started the portfolio.My firm belief is that everybody should own some gold in their portfolio. Especially now.(If you do not yet own any, my guide to investing in gold is here. If you are looking to buy gold or silver, the bullion dealer I recommend is the Pure Gold Company.There is also, of course, the soon-to-be definitive book on the subject. Here it is on Amazon, and Waterstones is currently running an offer.

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.

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

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.  

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.

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.  

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