Podcasts about souring

More Americans now say they trust Democrats on the economy than Republicans. Tommy talks with Andy Smith, Director of the University New Hampshire Survey Center

From Monday on the Chris Hand Show | Aired on April 7, 2025Chris talks on the Big News Media alleging that voters are not agreeing with President Trump's decisions. They state that this isn't what voters wanted and they regret their decision to vote for him for what is happening to the Stock Market.Speaking of Trump's decisions, Chris also touches on the Tariffs Trump has put in place and more.See omnystudio.com/listener for privacy information.

John and Josh revisit yesterday's poll on the current vibe surrounding Coach Matt Rhule and the Husker football program.

Wall Street drifts and moods are sour for US consumers.

OPINION: Bill Gates and billionaire club souring on climate change, renewables? | Mar. 18, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

LikeFolio's Andy Swan joins CashTags to discuss Delta Airlines (DAL), showing a surprise reversal in their sentiment data for the sector. He's becoming less bullish on the name due to this cooling trend and high valuation. However, he calls the company extremely well-run. January is also historically a down time for the travel industry. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

00:00 – 16:36 – Hurricane Milton, Colts lose Michael Pittman Jr. likely for multiple weeks to a back injury, what it means for the wide receiver group and why the Colts can't seem to shake injuries 16:37 – 21:33 – MORNING CHECKDOWN 21:34 – 41:31  – Is Anthony Richardson going to play on Sunday?,  likely no Jonathan Taylor and now no Michael Pittman Jr., are the Colts injury cursed?, is the new turf playing any role in the Colts injuries, Colts roster assessment, Pacers preseason continues tonight with a game against the Cavaliers, LeBron complains about playing a preseason game in Milwaukee, Pacers picked to finish 7th in East in NBA GM survey 41:32 – 1:05:45 – Why does Kevin believe the Colts can survive life without Michael Pittman Jr. for the next few weeks?, AD Mitchell needs to step up now, the Colts injury bug, has Andy soured on Anthony Richardson?, Morning Checkdown 1:05:46 – 1:17:35 – Butler Bulldogs head coach Thad Matta joins us and discusses bringing back the team's top two scorers this season, what players have shown big strides from last season, one rule change he could implement 1:17:36 – 1:26:37 – Lots of streaming needs for college basketball season once again, Sound of the Day 1:26:38 – 1:54:46 – The Colts sign a player that is 6'11”, Colts injuries heading into the Titans game, Anthony Richardson's status for Sunday, Shane Steichen saying he's talked to Gus Bradley more this week after the poor defensive performance, MPJ back injury, Morning Checkdown, Pop Quiz 1:54:47 – 2:04:50 – WIBC's Jason Hammer joins us after a successful TNF outing last week, 49ers/Seahawks tonight, any baseball bets, a past degenerate baseball bet, the loaded CFB slate this weekend 2:04:51 – 2:15:22 -  ESPN Titans reporter Turron Davenport joins us to discuss the Titans side of things heading into Sunday, Will Levis' status for Sunday, what's the fan thoughts on Will Levis, his love for Alec Pierce, who will L'Jarius Sneed guard on Sunday, biggest strength/weakness group on the Titans roster, Tony Pollard and Calvin Ridley?, new Titans stadium  Support the show: https://1075thefan.com/the-wake-up-call-1075-the-fan/See omnystudio.com/listener for privacy information.

Learn how Old Irving became so successful, it needed to open a new production facility — and what went into the expansion. 02:18 Beer Myth: When brewing sour beers, is kettle souring lazy? Katherine has some HOT TAKES about this, and Trevor from Old Irving Brewing Co. explains the science behind what actually creates sour beers. Discover the facts behind this common misconception and learn how kettle souring is a legitimate and skillful method that produces some of the best-tasting sours. Bonus: learn how a “West Coast Pilsner” is different from a regular Pilsner and what it has to do with a thing known as a Cold IPA. 10:08 NAME OF BREWERY: Old Irving Brewing Co. Head Brewer and Co-Founder Trevor Rose-Hamblin shares the back story of his move from restauranteur to brewer, including an appearance on BrewDog that led to him brewing in Scotland for 3 months. Trevor also explains how after just 2 years of development, his Citra & Mosaic hopped Hazy IPA Beezer won a gold medal at the Great American Beer Festival in 2019 and another gold at the World Beer Cup in Las Vegas in 2024 (both in the Hazy IPA category).  After the beer break, Trevor and Brian crack open a Della, which won a silver medal at the Great American Beer Festival in 2021 in the German-Style Kölsch category. Della is a Kölsch-Style Ale brewed with high-quality Pilsner, a touch of Vienna malt, and lightly hopped with Zuper Saazer, Hallertau Mittelfrüh, & Tettnang. Trevor also talks about Old Irving's new brewing facility, what compelled them to move into a new facility, and the craft beer community in Chicago that helped spur their growth. Brian also coaxes Trevor into doing his hilarious impersonation of one of his Chicago craft beer community colleagues (but you'll have to listen to find out which one!). 58:35 Beer Behavior: How does scarcity work when it comes to beer? Does it drive sales even when it's obviously manufactured? Brian talks about how Wisconsin breweries were featured during a recent convention and Katherine presents her “barbecue festival philosophy” of scarcity. You can find our amazing merchandise and learn more about Crafty Brewers on our official website, https://craftybrewerspod.com  About Old Irving Brewing Co: Located in the Irving Park neighborhood of Chicago, Illinois, the brewers behind Old Irving Brewing Co. were brewing in their garage with aspirations of crafting beer for their local community all the way back in 2014, two years before they opened their doors. Today, they've created hundreds of ales and lagers—earning a few GABF and World Beer Cup medals along the way—and now distribute their beers throughout Illinois and Wisconsin. Learn more on their website at https://oldirvingbrewing.com/  — If you enjoyed this episode, then please tell at least one friend about the show! And if you're a brewer or know any brewers who would like to share their story on the podcast, then email craftybrewerspod@gmail.com. We're always happy to hear from you! You can also follow Crafty Brewers on Instagram at https://instagram.com/crafty_brewers_pod  Crafty Brewers is produced by award-winning podcaster Cody Gough. He insists that we tell you that in this episode, you'll learn about: Chicago craft beer, craft beer scene, award-winning beers, West Coast Pilsner, Cinnamon Prost, Hazy IPA, Beezer IPA, Great American Beer Fest, brewing techniques, Pipeworks collaboration, BrewDog Scotland, Flossmoor Station, Home brewing, Craft beer myths, Beer trends, Moto Restaurant, brewery expansion, collaborative brewing, beer labeling, Lagers popularity, brewing science, brewing process, Omega Yeast Labs, Chicago's best beers, craft brewing success, brewing industry, culinary arts to brewing, beer production, and Chicago beer landmarks.

He got 81% of the evangelical vote in key swing states in 2016. Our guest today the Reverend Doug Pagitt is exceptionally familiar with what goes on with evangelical Christians, and he says he expects Trump to get less than The post Evangelicals Souring on Trump: Why It Took So Long. appeared first on Keeping Democracy Alive.

Aaron Boone is right to defend Anthony Volpe but not DJ LeMahieu. Keith is souring on the 2024 Yankees. 

Steve reacts to new data from Gallup showing Republican voters are, maybe, starting to sour on the concept of so-called “gay marriage.” Then, Joy Pullmann from the Federalist joins the show to talk about her book, “False Flag.” In Hour Two, Idolatry or Not examines what a “sell price” should be in any election. Pop Culture Tuesday discusses a four-decades-old news report of reactions to “Return of the Jedi.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Big capital gains tax bills are hitting more home sellers. Exemptions exist for up to $250K single, $500K married. Bad housing affordability means a low home ownership rate, hence, more renters. The homeownership rate has dropped from 66.0% to 65.6% in the last year. I have a hole in the roof of a rental single-family home, with about $10K in damage. Learn how I handle it. Two of the first three income properties that I bought performed poorly. VP of Market Economics at Auction.com, Daren Blomquist joins me. We learn why foreclosure activity is 10% to 20% below pre-pandemic levels. Learn about judicial and non-judicial foreclosure states.   From homeowners surveyed, the top concern about falling into delinquency are rising insurance and property taxes. Auction bidders are confident about the real estate market. They're willing to pay more, which is 60% of ARV nationally. You can bid on distressed properties with your phone via Auction.com. Opportunity Zones are generally working. Resources mentioned: Nation's Largest Online RE Auction Marketplace: Auction.com For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.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 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  GRE Free Investment Coaching: GREmarketplace.com/Coach 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 Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Speaker Weinhold** ((00:00:00)) - - Welcome to GRE! I'm your host, Keith Weinhold, talking about a lot of housing market problems today. Capital gains taxes hitting more home sellers. Home affordability is still bad. The American homeownership rate is falling. I've got roof damage on one of my own properties. Then an update on American mortgage delinquencies and foreclosures. It's mostly bad real estate news today on Get Rich Education.   Speaker Syslo** ((00:00:29)) - - 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 Reinhold writes for both Forbes and Rich Dad Advisors, and delivers a new show every week. Since 2014, there's been millions of listeners downloads and 188 world nations. He has A-list show guests include top selling personal finance author Robert Kiyosaki. Get Rich education can be heard on every podcast platform. Plus it has its own dedicated Apple and Android listener. Phone apps build wealth on the go with the get Rich education podcast.   Speaker Syslo** ((00:01:06)) - - Sign up now for the Get Rich education podcast or visit GetRichEducation.com.   Speaker Coates** ((00:01:14)) - - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Speaker Weinhold** ((00:01:30)) - - We're gonna go from Bavaria, Germany, to Batavia, New York, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to Get Rich education. There is a large online source of foreclosure and bank owned properties that you won't find on the MLS. In fact, they are the largest in the nation, and their VP of Market Economics will be here with us later today. Home price appreciation. That has been wonderful for the last several years. But one negative consequence is the fact that more home sellers now are getting hit with big capital gains tax bills. Now we'll discuss income property shortly, but when it comes to primary residences, you probably know that if you are single, you won't pay any capital gains tax on the first 250 K profit of your sale. That 250 K exemption. That is only half of what married couples enjoy.   Speaker Weinhold** ((00:02:29)) - - They don't have to pay tax on the first 500 K of profit. Yes, a $500,000 exemption on capital gains for married couples. So basically, single people in high priced markets like you often find on the coasts, they get hit the hardest. Married couples in lower priced markets more toward the heartland and in the South. Those married couples, they're more likely to get away without paying any tax on the profit from their home sale. All right, well, just what proportion of homes are we talking about here? Well, last year, 8% of sales had capital gains of over 500 K. All right, well that potentially makes them exposed to the tax hit. Compare that to a couple decades ago. That share was just over 1%. So it's gone from 1% to 8%. These are exorbitant capital gains tax events. And you know what this does. People trying to avoid that it keeps even more homes off the market. Now it's not as pronounced as the well-documented interest rate lock in effect okay. Call this the capital gains tax lock.   Speaker Weinhold** ((00:03:46)) - - In effect people avoid the tax by not selling. And it makes some older people age in place. That's part of what's going on here. Because if the homeowner keeps it until they die, then the heirs, they might be able to sell it tax free due to the tax laws and capital gains taxes. Like, what rate do you actually pay that can be as high as around 20% on you for selling your primary residence if the gain exceeds those thresholds? And yeah, those thresholds, they haven't moved with inflation in quite a long time. Now, understand that right now you are living in an era where many Americans, they can't afford to live in the home that they live in right now if they tried to repurchase it at today's prices. So again, it's not the mortgage rate lag in effect here. It's the purchase price paid lock in effect. Now look, yes, overall I am a real estate market optimist. You are too, when you understand how real estate pays you five ways. But as far as anyone saying something like, oh, there is never been a better time to buy, that doesn't make any sense.   Speaker Weinhold** ((00:05:02)) - - Now. At the same time, I don't see any evidence that waiting is going to do you any favors, but there have obviously been some better times to buy. In fact, do you know the best year in modern history that I can think of for buying real estate? Any idea it was the year 2013? Yeah, 2013. That's when prices were low because they still hadn't bounced much off of the GFC lows and mortgage rates. They actually were in the absurdly low threes back in 2013. Now starting in 2021 you know I have been on record on this show. I've been on record on television and on our own YouTube channel here and in Forbes and elsewhere. Since then, I've said that home prices, they're not poised to fall, they're going to stay stable or they're going to keep going up. I was perhaps one of the earlier people to point that 3 or 4 years ago that the low housing supply and the government safety nets that won't let people lose their homes, those things keep the markets buoyant.   Speaker Weinhold** ((00:06:16)) - - Now, today, I see more signs that prolonged bad affordability will slow down. Home price growth in that part is bad for investors, of course. Prolonged. Bad affordability. That means something good for income centric investors at the same time, sort of like David Stockman and I touched on last week here. Yes. Souring affordability. What that means is a falling homeownership rate that would make sense in the homeownership rate. That means that just what it sounds like, that is the proportion of American homes that are occupied by their owner in the past year. Yeah, the homeownership rate has fallen, but not too much yet because there are some lag effects and other factors to account for. Like, imagine if there are new zero money down loan programs that are made available. You can see how that would make homes more affordable, even if rates and prices and wages stayed the same. So there are X factors out there and lag effects out there. In the past year, the homeownership rate has fallen from 66% down to 65.6%.   Speaker Weinhold** ((00:07:33)) - - Not too much of a slide, just 4/10 of 1%. That is a Fred stat sourced through the Census Bureau. All right. So what's that really mean if you're looking for income. Well, what that means is that there are now hundreds of thousands of additional renters today than there were just one year ago. And the number of renters, those that aren't homeowners, that looks to increase in both absolute and relative terms. There's a lot of people expect the homeownership rate to continue to drop from here. Now, no investor conditions are absolutely ideal everywhere you look. In fact, of the first three investment properties that I personally bought in my life, only one of those three went really well. It was that first ever fourplex I bought because it appreciated from 295 K to 425 K in just three and a half years, and it provided some cash flow and even a place for me to live. But the second property I bought, which was also a fourplex, it hardly cash flow because I bought it at 90% loan to value, and I also bought it in 2007.   Speaker Weinhold** ((00:08:46)) - - Not great timing, so its value dropped. I was a pretty new real estate investor then, and when its value dropped, it didn't return to the 530 K value that I bought it for for about six years. And then I got wiser and I started buying across state lines, since that's where the best deals often are. Well, this was then my third investment property, a brick single family home that cost 153 K in the Dallas-Fort worth area. And the main reason I bought it is because it was cheap, which was a mistake. It was also in a growing area, but I couldn't keep it occupied, so I soon sold it for about the same price that I bought it for. All right. But even in those far less than ideal beginnings for me, two of my first three properties, they weren't disasters, but they weren't a great experience either. Yet I still got some leverage, a little cash flow. I got tenant made principal pay down all the while, tax benefits all the while, and that inflation profiting benefit.   Speaker Weinhold** ((00:09:52)) - - And I did then find myself better off overall. Despite that the appreciation and the cash flow weren't all that great. If you blend those first three properties together and today, perhaps a lot like you or what you want to do. I own properties in multiple markets, and I remotely made as the property managers in those markets. And you know, just yesterday I got an email from one of my property managers about roof damage to one of my properties. It's a rental single family home. It's going to be about $10,000 worth of repair work. Some bad news and the way I'm hailing it is a way that you might think of handling a real estate problem. I sure don't just send off a $10,000 check right away and chalk it up as a loss, and ask myself how many months it's going to take me to make that up. The first thing that you can do in this situation is check to see if you have a home warranty that covers it in full or in part. Whether you bought your property new or renovated, a warranty might apply.   Speaker Weinhold** ((00:10:58)) - - It actually does not in my case here. Well, if the warranty doesn't cover your issue, of course, check with your insurance provider and see what your deductible is there. Consider that when insurance premiums have risen sharply in a lot of markets, you need to get something back for that premium that you're paying in a lot of cases. All right. And if those things don't work, then don't just take the first quote that your property manager gives you that they got from the first contractor, which is. Ten K in my case. For a substantial work item, ask your property manager to obtain at least three quotes for you. That's reasonable. And then look at the most competitive of those three quotes. So to review here three ways to avoid paying. For example a full 10-K. In my case it's your warranty, it's your insurance. And if you feel like you must come out of pocket, then get three quotes in order to reduce your cost. And here's the thing you don't do these things yourself.   Speaker Weinhold** ((00:12:03)) - - What you do is you ask your manager to do these things and make it easy for you. Your manager should check with your insurance policy and they should check on your warranty. And then you can back it up and take a look at it. If you don't like the answer, they should obtain the roofing contractor quotes for you to. You are paying your manager for this stuff, maybe 8 or 10% in a management fee, and that should not be for nothing. Have them do this stuff that's their job and ask them to do it. Because if you don't just watch, they'd be happy to have you do it for them. Don't. You don't have to. So we're talking about mitigating your out-of-pocket cost in your time expended when you have a real estate issue, like a hole in a roof of one of my single family rentals. Now sometimes you're going to get caught in some snafu. But again, our strategy here is that you're usually not even holding any one rental property for more than 7 to 10 years, because by that time, it's accumulated sufficient equity so that you can make a tax deferred exchange up to another property, keep leveraging that equity, because the rate of return from equity is always zero.   Speaker Weinhold** ((00:13:16)) - - Now, that process, that 7 or 10 years, that might be on the slower end. Now though, since the property that you consider relinquishing is going to have a lower mortgage rate than your replacement property, it will. And one other thing to keep in mind here it's about providing America with that clean, safe, affordable, functional housing. What that means is that while roof quotes are being obtained here if needed, and it takes a few works until those roof repairs can begin, what you can do is have a cheap temporary repair done until the permanent roof fix starts. That's pretty common with roofing repairs, and that way not only is any interim damage avoided, but the tenant is not being negatively impacted here either. No slumlords around here. As we're discussing real estate problems today, we're about to delve into what happens when homeowners in real estate investors, when they can't make the mortgage payments on their property, and is that proportion of people going up or is that going down in this low affordability market? We'll also get some takeaways by looking at the bidder activity on foreclosure properties.   Speaker Weinhold** ((00:14:33)) - - That can tell us quite a bit about the market and about buyer expectations for the future of the market. And I'll also tell you how you too, if you're interested, you can find opportunities and get a deep discount on a foreclosed upon property. That's all. Next with a great guest, I'm Keith Reinhold. You're listening to get Rich education. Your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4%, you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk. Your cash generates up to an 8% return with compound interest year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just $25. You keep getting paid until you decide you want your money back there. Decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor, to earn 8%.   Speaker Weinhold** ((00:15:41)) - - Hundreds of others are. Text. Family 266866. Learn more about Freedom Family Investments Liquidity Fund on your journey to financial freedom through passive income. Text family to 66866. Role under the specific expert with income property you need Ridge Lending Group and MLS 42056 in grey history, from beginners to veterans. They provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your pre-qualification and chat with President Charlie Ridge personally. They'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com. This is Rich dad advisor Tom Wheelwright. Listen to get Rich education with Keith Reinhold and don't quit your daydream. This week's guest is the VP of Market Economics at auction. Com they are the largest online source of foreclosure and bank owned properties that you won't find on the MLS. You can bid on properties from anywhere with your mobile device. We'll learn more about that later. First, we're covering a general real estate market update today, and then we're mostly going to discuss what's happening in the foreclosure market, including just what a foreclosure market even is.   Speaker Weinhold** ((00:17:25)) - - Hey, it's been over a year since we've had you here. So a big gray welcome back to Darren Lundquist. Thank you so much. It's great to be back and.   Speaker Blomquist** ((00:17:34)) - - Glad to see you, Keith.   Speaker Weinhold** ((00:17:35)) - - For listeners in the audio only Blomquist is spelled with just one oh, despite being pronounced. Blomquist and Daren, as we talk about the state of these markets today, it also helps to mix in lessons for the follower and listener that's watching or consuming this. In ten years. And before we discuss foreclosures. Now, Darren, when I look at the residential real estate market today, there are a few ways that it appears rather normalized actually. For example, all price appreciation rates are normal rent growth levels. They're pretty close to historic norms. Interest rates are even near historic norms, which is a surprise to laypersons. But that's three huge measures that are actually normal, and no one else anywhere talks about that. But there are some aberrations in today's market, the most chronic and saddening of which is the lack of housing supply.   Speaker Weinhold** ((00:18:28)) - - So with that backdrop, what are your thoughts on today's overall American housing market?   Speaker Blomquist** ((00:18:34)) - - It's really interesting. We have these normal metrics that we look at when we look at how home price appreciation. Now home sales I would say are abnormally low. Right. But home price appreciation is doing well. Some of the other metrics that we look at. But it's coming off of this abnormal what I would say an abnormal period over the last three years or so, mostly during the pandemic when the housing market went a little bit crazy and you saw home prices rise abnormally fast. I would argue too fast for such a short period of time. And so you'd almost expect after a period like that to see a correction in home prices. And we saw a slight correction in late 2022, early 23. Right. But now home prices are, as you mentioned, kind of back to normal actually maybe a little bit on the high side of normal, 5 to 7% home price appreciation that we're seeing annually. And so there is this sense that things look normal.   Speaker Wheelwright** ((00:19:32)) - - But below the surface there are, I believe I would argue and you may not agree with this, some underlying problems that I think could come back to bite us if, you know, depending on how things go over the next few years. But certainly the underlying fundamental biggest storyline, that's not necessarily maybe as accessible to a lot of people is this housing supply that you mentioned, Keith. And over the last the decade that ended in 2020, we saw, I would guess, based on my analysis, about 4 to 5 million housing units that were not built, that in a sense should have been built. But we were short 4 to 5 million housing units relative to the number of households that were being formed during that same time period. And so that is set us up for this market that we're in now in the 2020s, where we're seeing, despite the fact that home prices are going up and are out of whack with fundamental price to income ratios. In other words, affordability is a problem. Despite that fact, home prices continue to go up because you have this underlying lack of supply and so you have enough demand to fuel rising home prices, given the lack of supply, if that makes sense.   Speaker Weinhold** ((00:20:48)) - - Yes. You mentioned the paltry volume of sales, which is really one consequence of this constrained supply. And there are so many ways to measure it. You threw some numbers out there just using Fred's active listing count. They have one and a half to 2 million homes normally available. Inventory bottomed out near a jaw dropping, just fantastically paltry 350,000 units in 2022. And then the latest figure is about 730 K. So really doubling off the bottom, but yet still far below what is needed there in in 2021 and 2022, I started informing our audience that the housing crash of this generation, it's already occurred. It was a supply crash, which hedges against a price crash even amidst a tripling of interest rates. I guess there. And from your vantage point, when will this low housing supply abate?   Speaker Wheelwright** ((00:21:46)) - - But I think on the multifamily side, you're seeing signs that we've, in a sense, caught up with housing supply. You're seeing the multifamily sectors start in terms of the builders start to pull back. I think because of that.   Speaker Wheelwright** ((00:21:58)) - - And one piece of evidence of that is the slowdown in rent appreciation. But then on the Single-Family side, we're still seeing pretty robust increases in housing starts and builders starting housing units. And I was just looking at the latest numbers for April up 18% year over year. And we're at over a million housing starts in April on an annualized basis. You know, it's hard to predict what household formation will be doing over the next decade, but I believe that million number is enough to supply the new households that are being formed and are projected to be formed over the next few years. And so we're kind of at a place where at least we're treading water in terms of housing supply. And I do think there are some demographic trends that could by the year 2030, which may seem like a long ways off still, but by that time we would see this kind of reverse a little bit. And the demographic trends I'm talking about are slower population growth, the birth rates. There's a big article in the Wall Street Journal.   Speaker Wheelwright** ((00:22:58)) - - If you write, birth rates are surprisingly not really coming back. They dropped during the pandemic have not really come back. And in many areas, including the US or below replacement level in terms of replacing the population at 2.1. Yes. So not to get too deep into the demographics, I'm not a demographer, but I think that combined with these increases in housing starts that we're seeing, we will see that supply in the next five years. Maybe when I'm on next, I'm with you to see that it is a slow moving train. I think we're headed in a good direction in terms of that, that housing supply. And those are already, I would argue, some early signs at 2024 at least. It's still a low supply environment, but it's at least somewhat better, incrementally better than 2023 was in terms of inventory. And we're seeing some more inventory. Come on. One tip I would just say that's I think a long term thing to look for, no matter what environment you're in, is if you look at the inventory, inventory is a great and a barometer of market health.   Speaker Wheelwright** ((00:24:00)) - - And if you look at inventory numbers by market, which we do, you do see some markets all of a sudden inventory is starting to spike. And that to me is a signal that those markets could be softening in terms of prices and even in terms of sales. So you see some markets in Florida popping up like that. But whether or not we're talking about now or anytime, it's a great metric to look at. For anybody investing in real estate, especially at a market level, is that inventory of homes. You can look at month supply of inventory for sale. Six months supply is a great milestone. If there's six months supply, that's a balanced market. If it's below six months supply, it's a seller's market. And if it's above six months supply, it's a buyer's market. So just a general kind of rule of thumb to look for there.   Speaker Weinhold** ((00:24:46)) - - Sure. We've seen months of supply three months or less in an awful lot of places. However, you alluded to coming potential problems for the housing market earlier.   Speaker Weinhold** ((00:24:55)) - - Can you tell us more about that? Have you already done that with talking about a potential softening with some inventory coming on faster in some markets?   Speaker Wheelwright** ((00:25:04)) - - I think you're a thesis about this. The housing crash has already happened and it was a supply crash is very interesting. When I look at price to income ratios over time, you know, home prices versus incomes, we've diverged from that long term mean of that price to income ratio right. In the last couple of years. We saw that during the the bubble of 2004 five six. But it's even more dramatic in the last couple of years where we saw at the peak of this, the actual home prices. We. Nationwide, we're about 30% above what we would expect the price to be based on incomes and that historic price to income ratio. And so I do expect a reversion to the mean at some point. Now, whether that could occur as a pretty sharp correction, although I can't point to a specific trigger that would cause that correction necessarily may could occur more of a stagnation over time, where home prices kind of flatten out and increase less than the median long term average.   Speaker Wheelwright** ((00:26:07)) - - I do believe that we will see a reversion to that mean eventually, especially as we see more supply coming onto the market. I think it's actually healthy for the housing market, but it could be experienced by many people as weakness in the housing market, because you could see home prices decline a little bit, especially in certain markets.   Speaker Weinhold** ((00:26:25)) - - From your vantage point. Darren, you are an expert there in helping people find deals because you really keep a pulse on what's happening in the foreclosure market. Maybe some of our audience doesn't completely understand what the foreclosure market means. Now, Darren, I think of delinquency is that condition means that mortgage borrowers have been making some late payments. Tell us about how delinquency differs from foreclosure. And that will help if you go ahead and define just what the foreclosure market is.   Speaker Wheelwright** ((00:26:57)) - - Starting with the foreclosure market. I mean, when you can call it the distressed market or the foreclosure market. And that's really where auctions. Com operates. And is this foreclosure market, it's loans that the borrower cannot continue to make payments for a variety of reasons.   Speaker Wheelwright** ((00:27:12)) - - When you have a home that's financed and the borrower cannot continue to make payments, the recourse for the lender is foreclosure to take back that property by taking back that property and then selling it, recouping or trying to recoup as much of the losses on that property that they can in terms of the loan that was given on that property. Okay.   Speaker Weinhold** ((00:27:34)) - - So let's talk about delinquencies here. We're looking at certain levels of severity being 30 days late on your payments, being 60 days late and being 90 days late. And interestingly, we see a big spike in FHA loan types that have had more delinquencies than conventional loan types.   Speaker Blomquist** ((00:27:50)) - - That's right. Yeah. So delinquency is kind of the top of the funnel if you think of the distressed market or for leisure market as a funnel, the top of that funnel is someone can't make their payment one month. They miss their payment, mortgage payment one month. That's what this 30 or 30 day delinquency. And when you look at the chart that we're looking at, you do see those 30 day delinquencies rising over the especially on FHA loans, which are, I would argue, the most kind of risky loans in our current marketplace.   Speaker Blomquist** ((00:28:19)) - - Yeah, the last ten years, over the last decade. And we see those even from 2021, rising steadily up back to really 2019 highs on the 30 day delinquencies, you also see a slight gradual increase in conventional loans, which are loans backed by Fannie Mae and Freddie Mac as well as VA loans. But those are the 30 day delinquencies. They're are not back to pre-pandemic levels even on that front. So that's the 30 day. Usually if someone misses a monthly payment, it's not super serious at that point. What really gets more into our marketplace is when we see a 90 day delinquency, or what's known as a seriously delinquent loan alone, that is past due by 90 plus days. And we have that chart here. What stands out to me on this chart is you actually see those 90 day delinquencies continuing for the most part to trend lower, even though the 30 day delinquencies are going up, 90 days are coming down, and there's a lot of reasons for that. But at the end of the day, that means people maybe are getting into trouble, but they're able to get out of trouble before they lose the home to foreclosure in many instances.   Speaker Weinhold** ((00:29:29)) - - All right. So in summary, 30 and 60 day delinquencies have risen over the past two years. But over the past two years, serious delinquencies, 90 day delinquencies therefore, are lower over the past two years.   Speaker Blomquist** ((00:29:43)) - - That's right. And then if we look at foreclosure starts, which is kind of the next step. So you missed three months worth of payments. That's when the bank starts to think about starting the official foreclosure process. And if you look at foreclosure starts, we are seeing those rise as well. And part of the reason that you see these rising, even though seriously delinquent loans are falling, is because there was a bit of a backlog from the pandemic still. Yeah, loans that were delinquent when the pandemic started that were delayed from going to foreclosure, that are now coming back. So we see this sharp drop off in 2020 when there was a foreclosure moratorium. Those numbers have reverted back, have bounced back. But there's we're still seeing about 60 to 70,000 foreclosure starts, a quarter nationwide just to put some numbers on this.   Speaker Blomquist** ((00:30:31)) - - But back in the first quarter of 2020, before the foreclosure moratoriums, we were at 81,000. So we're still at about 80% of the pre-pandemic levels. But foreclosure starts have come back. We're just getting back to what I would consider kind of normal levels of foreclosure, and especially if you look at in the context of what we saw during in 2009, 2010, we were seeing over 500,000 foreclosure starts a quarter back then. Now we're seeing 68,000. So we're paling in comparison to those numbers.   Speaker Weinhold** ((00:31:04)) - - As you, the investor, is thinking this through, we're talking about how many opportunities there will be for you here, basically to scoop up a distressed deal, a fixed and flip property. If you're looking to fix and flip one just in the general context, that's what we're talking about here.   Speaker Blomquist** ((00:31:21)) - - Opportunities really foreclosure starts are for. Opportunities. If we look at where the opportunities are emerging in terms of those foreclosure starts, we do see a lot of increases in looking at March of 2024. Year over year, a lot of increases in Florida, and foreclosure starts and also Texas in California.   Speaker Blomquist** ((00:31:42)) - - So it's interesting. I mean, these are markets that are doing pretty well, pretty healthy. But we are seeing some of those foreclosure starts come back in pretty big percentage wise in those areas. If we look at auction com data, specifically the state level, in the interest of time. But just to look through the lens of looking for opportunities. Auction com resides a step after the foreclosure start. Then eventually it goes to a foreclosure auction where the property either sells to an investor or it goes back to the bank is what's known as an REO. And where we're seeing on our platform the biggest kind of return to normal levels of foreclosure auction volume, where there's that property actually is sold, is mostly in the Rust Belt, Upper Midwest. That's where we're seeing volumes return to normal. And a place like Florida, we're only seeing foreclosure volumes are over 70% below normal, and Texas were 55% below normal. And when I say normal, I'm saying I'm comparing that to pre-pandemic levels. And then in California, we're at about 45% below those pre-pandemic levels.   Speaker Blomquist** ((00:32:54)) - - So some of the big volume states, we're still waiting for the foreclosure volume to return. But if you look like at states like Indiana, Iowa, Minnesota, places like that, Oklahoma, we are seeing that foreclosure auction volumes have returned to those pre-pandemic levels. So there are more opportunities in those areas, at least relative to their population and their their size of in terms of housing units.   Speaker Weinhold** ((00:33:20)) - - So in general, in a lot of these upper Midwestern states, in northern Great Plains states, we see a greater foreclosure volume than we did pre-pandemic, because those levels are at over 100%, 100 being the pre-pandemic level. There is one aberration on your map, for one thing, Darren, and that is in Connecticut, where we have 306% of the foreclosure volume that we did pre-pandemic. That's over three x what's going on in Connecticut?   Speaker Wheelwright** ((00:33:50)) - - I'm glad you pointed that out. I mean, that is part of the the issue with Connecticut is you do have relatively low foreclosure volumes there. So the 306% is coming off even pre-pandemic, some pretty low volumes of foreclosure.   Speaker Wheelwright** ((00:34:03)) - - We are seeing and I can't point to exactly what's happening there in terms of the economy, any other extra weakness in the economy or in the housing market there? But we are seeing definitely that's the top state in terms of where foreclosure volume is back way above, in fact, pre-pandemic levels. That was one of the areas, at least parts of Connecticut where the work from home trend maybe got a little bit out of control, and people were buying homes and willing to pay very high prices for homes that were who worked in New York City. And now we're thinking, well, I can work from Connecticut. In the country. There was probably more of a pandemic housing boom in Connecticut than some other areas of the country, and that may be part of the story that's going on there.   Speaker Weinhold** ((00:34:54)) - - We're talking about the most densely populated part of the United States here, the tri state area, which is New York, Connecticut and New Jersey. And what's unusual is that one of those three states, new Jersey, is the antithesis of what's happening in Connecticut.   Speaker Weinhold** ((00:35:09)) - - Connecticut has about three x the foreclosure volume than they did before the pandemic, and new Jersey is just 25%. They only have one quarter the foreclosure volume that they did before the pandemic. Are there any other tri state dynamics going on there with foreclosures there?   Speaker Wheelwright** ((00:35:25)) - - That's a great observation. And one thing that becomes very important with foreclosures is the foreclosure process is governed by state law. It's not a federal national law that governs how the foreclosures work. And so you do see a lot of variation in the states based on how that foreclosure process works. And then also even how the the legislatures in those states have stepped in in some cases. And that's the case in new Jersey and created new laws even in the last couple of years to, for lack of a better word, stymie the foreclosure process and may put extra barriers in getting to foreclosure. And so, number one, new Jersey is what's called a judicial foreclosure state, where the foreclosure process is inherently longer than many states, including Connecticut. And then on top of that, the new Jersey legislature has enacted at least one law that took effect in January that even creates more barriers to foreclosure.   Speaker Wheelwright** ((00:36:22)) - - And we probably don't have time to get into the details of that law. But that's really, I think, what's it's less about that new Jersey is a much more healthy housing market than Connecticut. As to what you see there is the effects of the state governed foreclosure process with those numbers.   Speaker Weinhold** ((00:36:40)) - - So just some great context for the listener and viewer here. The state jurisdiction in the judicial process has an awful lot to do with foreclosure volume. That's not necessarily indicative of the condition of its housing market.   Speaker Wheelwright** ((00:36:55)) - - That's right. And it does vary quite a bit. When we look at going forward at risk. We actually asked, so our clients are the banks, the mortgage servicers, the lenders who are foreclosing on these properties. And we ask them what they think is the highest risk of increasing foreclosures in the future. And the the top of their list was rising insurance and property taxes.   Speaker Weinhold** ((00:37:22)) - - That's super interesting.   Speaker Wheelwright** ((00:37:23)) - - Yeah, and that's been a hot topic recently. I would put that at the top of my list of risks.   Speaker Wheelwright** ((00:37:29)) - - Going back to your question about why could the housing market experience weakness in the somewhat near future? I think this is the top of my list of as a catalyst that could potentially trigger weakness in the housing market, specifically home prices. Because of these variable costs of homeownership. You know, your mortgage is a fixed cost. You know what it's going to be every month, but your insurance and property taxes are variable costs. And there are in some states, those have skyrocketed. For some homeowners. This insurers are pulling out of states.   Speaker Weinhold** ((00:38:02)) - - This is all such a great finding. Again, Darren's firm asked the survey question how much would you assign each of the following in terms of risk for higher delinquencies between now and the end of this year? And the number one answer is rising insurance and property taxes to Darren's point. That's because these are variable costs that everyone is subjected to. And we need to be mindful that more than 4 in 10 American homeowners are free and clear of their mortgage, so they don't have any payment.   Speaker Weinhold** ((00:38:27)) - - So on a percentage basis, when you look at homeowners expenses, when they have rising insurance and property tax problems, you can see how this can increase foreclosures.   Speaker Wheelwright** ((00:38:38)) - - That's right. That's a great point. A couple other risks that ranked fairly high with our clients. We're rising consumer debt delinquencies so that we do see things like credit card debt and auto loan debt, specifically those two delinquencies on those types of more or loans, not mortgages, are rising quite quickly over the last few quarters. And so that's an area of risk that we're seeing. And then they put rising unemployment is third. But you know right. We're not seeing unemployment rise right now. And unemployment is very low. They put that a little bit lower on the list. Those two things to look out for are those rising insurance and property taxes. If we continue to see that be a problem, that could be a trigger that causes some fallout in the housing market, as well as if we continue to see those rising delinquencies on credit card and auto loan debt that could ripple out as well to the housing market.   Speaker Weinhold** ((00:39:35)) - - It's really interesting. Higher property taxes are often a result of a homeowner's property having gone up in value. But if you own a paid off home and you're just going to continue to live there for the rest of your life, that rising property value that really doesn't help you so much, it actually might hurt you in a way, because you will have a commensurate increase in your property. Taxes, making it harder for you to live.   Speaker Wheelwright** ((00:39:57)) - - Yeah, that's right. It's a double edged sword there with the rising values. And usually it's, you know, property taxes is not an unbearable cost for most people. But when you're on the margins and you're just barely able to make your mortgage payment each month, and if you're in that situation, a fairly small rise in property taxes can make a big difference in whether you're able to continue to make those payments.   Speaker Weinhold** ((00:40:21)) - - Yes. And then the rising insurance premiums, they've gone to X to three X on some homeowners in just a few years. It won't go up that much on a property taxes.   Speaker Wheelwright** ((00:40:30)) - - The insurance is there's been more of the problem recently, but property taxes are kind of layered on top of that. Moving on. I just wanted to land, I think really on getting back to that question of opportunity for investors out there and auction com buyers are typically fix and flip or you know, fix and rent investors. And so what they're doing is they're looking to buy these properties. And it usually takes maybe six months, 90 days to six months to renovate these properties and turn them around and sell them. And so one of the things we look at very carefully is, are the bidding behavior on our platform as an indicator of what's coming in the retail market, because our buyers are they're pretty good usually at anticipating what's going to be happening in their market over the next 3 to 6 months. Our buyers did pull back in their bidding behavior, they got more conservative and were willing to pay less. Back in 2022, when mortgage rates spiked. But it appears now that our buyers have gotten comfortable with this kind of higher for longer concept of interest rates.   Speaker Wheelwright** ((00:41:36)) - - Yeah, and our bidding behavior on our platform is mostly trending higher, meaning that our buyers are pretty confident that the housing market, despite, you know, I might have sounded a little doom and gloom, but our buyers are pretty confident that in their local market, they will continue to be able to buy these distressed homes at a discount. The metric we look at is what they're paying at auction, relative to the after repair value of the home, the estimated after repair value, and as of March of this year, that was at 59.8%. So they're buying at 60% of after repair value at 40. You could turn that around and call that a 40% discount. That number is, believe it or not, been trending up over the last few months. So they're willing to pay more, which indicates confidence in the housing market going forward. Historically, that's our bidders have been a good harbinger or indicator of what's to come in the retail market when they're more confident the retail market typically does well and vice versa.   Speaker Wheelwright** ((00:42:39)) - - You know, if we look at that by market, it's really interesting to see where our bidders are most confident about home prices going up in different markets. And we see a lot of confidence actually, the places where we see it's probably coincidental, but some of the places where we see higher foreclosure volume, as we talked about earlier, some of the upper Midwest Rust Belt areas are where we're seeing our buyers willing to pay more than they did a year ago relative to after repair value. So that's where they have a lot of confidence, actually, even out in California and most parts of Florida, they're still pretty confident. And Texas, there are some areas where our buyers are pulling back and and are paying less relative to after repair value. And there's kind of a cluster of markets in on the Gulf Coast, right? You know, in Mississippi, Alabama. And I don't know if that relates to insurance costs. I haven't made that connection solidly. That's an area where there has been rising insurance costs.   Speaker Wheelwright** ((00:43:39)) - - It varies quite a bit. There are some other markets mixed in across the country. Even though most of Florida, our buyers are pretty confident there is one area where they're they've become cautious, which is Cape Coral, Florida. They've pulled back in terms of what they're willing to bid.   Speaker Weinhold** ((00:43:55)) - - Buyers for foreclosure properties still look overall quite confident in Florida. But yeah, like you touched on Darren, it's the lack of confidence to pay more for foreclosure properties in and around southern Louisiana. I know there's been some population loss there. And yes, like you touched on, they are more sensitive to insurance premium rises in Louisiana too.   Speaker Wheelwright** ((00:44:17)) - - That's right. So the takeaway is there's still the beauty of buying at that auction and distressed properties you are buying at a discount below after repair value. There's still a lot of risk involved because you may not know all that that's needed to renovate these properties, but you do have that. Rather than just counting on the housing market. Home price appreciation to increase to drive your profits, you have this component of added value.   Speaker Wheelwright** ((00:44:45)) - - So you're buying the property at a discount. And even at the housing, home prices don't go up in the next six months. By adding value to that property, you can still turn a profit because you're selling it for more than you bought it for. We have two types of auction on auction. Com there's the foreclosure auction, which we've talked a lot about, which comes at the end of the foreclosure process. And that's typically on the local courthouse steps. Although auction com in many counties allows you to bid remotely on your phone, we're we're pretty excited about that technology that we've introduced in the last couple of years. And then the second type of auction is if it doesn't sell at the courthouse steps foreclosure auction, it goes back to the bank as an REO. And we do the Ro auctions, which are mostly all online, and you can bid from anywhere. And it's pretty consistent between those two types of auctions. On average, at least over time, buyers are typically paying about 60% of after repair value, so about a 40% discount between after repair value.   Speaker Wheelwright** ((00:45:46)) - - Now, a lot of these homes need are in need of a lot of repair. But you have that type of discount available. And even though foreclosure volume has not come back to pre-pandemic levels, we're still seeing a consistent flow of that happening. There are certainly many markets, especially if you're willing to go off the beaten path a little bit in terms of markets where you can find inventory and also good discounts on these properties, especially if you're going to markets where maybe other investors aren't as aware of or aren't as interested in.   Speaker Weinhold** ((00:46:18)) - - Therein. I wonder about local flavor. For those that bid through your platform on these distressed, foreclosed properties. Here we have a lot of investors that buy properties pretty passively where the property is already fixed up for you, maybe already held under management. And a lot of those investors, they go ahead and buy across state lines, because the best teals tend to be in the Midwest and Southeast and a few other pockets in places. So there are an awful lot of out of state investors.   Speaker Weinhold** ((00:46:49)) - - On the passive side, what do you see for a breakdown of local investors in state investors and out-of-state investors through your platform for these distressed properties? I imagine it might be somewhat more localized than what I just described.   Speaker Wheelwright** ((00:47:01)) - - We do have some investors who are buying out of state, but actually the majority are buying in their backyard. Again, because these properties require their high touch, they require a lot of renovation. And so it's good to be local. It's definitely possible, especially with the REO properties where you can buy online. There is some more flexibility there if you have a crew, if you have boots on the ground in the market where you're buying, where you can do that, actually, the average distance between our buyers and the properties they buy is about 20 miles. I should say that's a median distance. So they're very local. There's definitely some exceptions to that you can buy across the country. But it is harder with these properties. These folks are very local. They know the markets they're operating in, and they know they have the resources in those markets to do the renovations.   Speaker Wheelwright** ((00:47:53)) - - Our buyers are probably a great resource for your students, Keith, to be able to tap into these types of local investors who have a supply of homes that they're creating, and sometimes they're selling back to owner occupants, you know, they're putting those properties on the market as renovated properties, and those might be good turnkey rental opportunities as well.   Speaker Weinhold** ((00:48:17)) - - You know, that makes a lot of sense. And how your platform can help people not just find properties, but maybe network and find some like minded people that have tread where you're trying to go. Well, Darren, is there any last thing that you would like to tell us along with your online platform? Is there also perhaps an auction mobile app?   Speaker Wheelwright** ((00:48:37)) - - Absolutely. We have an auction. Com app, and that's a great way to just either on on the website or on the app. You can go on and start searching. There's no subscription fee or anything like that to start looking and seeing where the opportunities are in the markets that you're interested in. You go to auction.com/in the news.   Speaker Wheelwright** ((00:48:57)) - - I actually end up talking to quite a few buyers of our buyers, and we've done some videos where we've gone and visited some of these buyers on location to see what they're doing, how they are operating on a human level. It's very interesting because these buyers are actually doing a lot of good in their communities. Many times by willing to take these down and out properties and down and out neighborhoods and renovate them, but also just on the level of understanding how this all works. That's a great resource. So that's auction.com/in the news and look for those videos featuring some of our buyers. I think that would be a great resource.   Speaker Weinhold** ((00:49:33)) - - Well this has been great information to get an update on what's happening in the foreclosure market and where some of the local areas of opportunity might be as well, especially compared to pre-pandemic conditions. It's been valuable and it's been a pleasure having you here on the show. Thank you so much, Keith. Yeah. Good knowledge for foreclosure expert Darren Bloomquist today. It's when borrowers miss three months of mortgage payments.   Speaker Weinhold** ((00:50:05)) - - That's that mark, where banks often begin foreclosure proceedings. Another thing that you learn is compared to pre-pandemic levels, national foreclosure levels are 10 to 20% lower today than they were then. And see with those that have a late mortgage payment or two, oftentimes that's not going all the way to foreclosure. They're getting caught up on their payments before it goes to foreclosure. And what's really going on here with that dynamic is that, see, today's homeowners, they are more motivated to stay caught up on their payments if they fall behind. And that's because they usually have a substantial positive equity position to protect. And the other factor is that if you lose your home today and you're locked in at a low pre 2022 mortgage rate, it's often going to cost you more per month to go out and rent somewhere else. So it's cheaper on a monthly basis to live in the home that you own. One piece that you might have learned is that high foreclosure activity in a state or city that is not necessarily indicative of that area's economic fortunes.   Speaker Weinhold** ((00:51:10)) - - Instead, it might be tied to its judicial foreclosure process. Nationally, buyers are paying about 60% of after repair value for a foreclosure property. I just talked to Darren some more outside of today's interview, he discussed that foreclosure properties are often in opportunity zones, and if you don't know what they are, are designated distressed areas. That's where there are benefits given to you. If you invest specifically in that zone, you might remember that Opportunity Zones were part of Trump's 2017 Tax Cuts and Jobs Act. They have those zones in all 50 states. And Darren said that overall Opportunity zones are working next week here on the show. Properties are vanishing. Yeah, it is a real tweak to your investor mindset. Disappearing properties. Tune in next week as I cover. Properties are vanishing here on the show. If you haven't yet on your favorite pod catching app, be sure to subscribe or follow the show on your favorite app. Until next week, I'm your host, Keith Windle. Don't quit your daydream.   Speaker Blomquist** ((00:52:23)) - - Nothing on this show should be considered specific, personal or professional advice.   Speaker Voice** ((00:52:27)) - - 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 yet Rich education LLC exclusively.   Speaker Weinhold** ((00:52:51)) - - The preceding program was brought to you by your home for wealth building. Get rich education.com.

Hiring managers have long used the reputation of a new college graduate's alma mater as an indicator of an applicant's ability and expected job performance. Elite national consulting, banking and investment firms focused their recruiting on the Ivy League and a handful of the other most selective schools. Big companies looked more widely, but still often favored a limited number of highly ranked universities. Regional firms would tap graduates of schools with the best reputations in their geographic area.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sign up to Imprint (with a 7-day free trial and 20% off an annual plan): https://imprintapp.com/TLDR1Welcome to the TLDR News Daily BriefingIn today's episode, we run through why the UK & UAE are falling out. Also, we discuss the MP scandal rocking the India elections; tensions escalate between the UK & Ireland; and violence breaks out at pro-Palestine protests in the US.

Hour 1 of the Wednesday Bob Rose Show for 5-1-24

It appears that Rico is close to joining Valenti on the college athletics "dark-side" and he explains why in this segment. 

Souring consumer sentiment has hit the bottom line of outdoor goods retailer KMD Brands, posting a near $10 million interim loss, with revenue down almost 15 percent. Anan Zaki has the business news.

This week the guys talk about holding your nerve on chip strategy, peripheral differentials, David is surging and Brian's season is over...so he says.

In fünf von sechs »Swing States« entscheiden sich die Wähler plötzlich eher für Donald Trump als für Joe Biden. Das zeigt eine aktuelle Umfrage der »New York Times« mit dem »Siena College«. 2020 waren es genau diese Bundesstaaten, die Biden den Sieg sicherten.  Der wichtigste Faktor: Joe Bidens Alter, am 20. November wird der amtierende Präsident 81. Donald Trump ist zwar auch schon 77, aber ihm trauen es die Wähler das Amt noch zu. Außerdem wenden sich jetzt ausgerechnet die Wählergruppen von Biden ab, die man im demokratischen Kern wähnte: Menschen mit afroamerikanischem Hintergrund und aus lateinamerikanischen Familien.  Wie groß ist das Problem also für den amtierenden Präsidenten Joe Biden und seine Demokraten, wenn die Zahlen schon ein Jahr vor der Wahl so schlecht sind? Und wie kann es sein, dass Donald Trump plötzlich wieder politischen Aufwind verspürt? Darüber spricht SPIEGEL-Korrespondent René Pfister in dieser Folge.  Links zur Sendung: The New York Times: How and why we did this swing-state poll. Podcast 'The Daily': Swing State Voters are Souring on Biden Die Amerikaner sehnen sich nach Trumps Wirtschaftspolitik zurück Warum Joe Biden Donald Trump noch schlagen kann Dritte TV-Vorwahldebatte der US-Republikaner: Das Publikum buht, und am Ende ist niemand schlauer The Daily Show: Trump's Testimony Goes Off the Rails & Mike Johnson's Anti-Porn App (youtube)  Alle SPIEGEL Podcasts finden Sie hier. Mehr Hintergründe zum Thema erhalten Sie bei SPIEGEL+. Jetzt für nur € 1,- für die ersten vier Wochen testen unter spiegel.de/abonnieren Informationen zu unserer Datenschutzerklärung.

With polls showing some degradation of support among African Americans for the Democratic party (or at least it's presumptive nominee & incumbent President), I sought out someone I knew would give me the temperature ... so educator and author Dante King ("The 400 Year Holocaust") was my guest today. Gird your loins; it's not an easy listen. So what do President Biden & Democrats do? Also, why is the Mississippi governor's race an actual race? Perhaps its because incumbent Republican Tate Reeves is unpopular with conservatives.

In a major new campaign poll from The New York Times and Siena College, former President Donald J. Trump leads President Biden in five of the six battleground states likeliest to decide the 2024 presidential race. Widespread discontent with the state of the country and growing doubts about Biden's ability to perform his job as president threaten to unravel the diverse coalition that elected him in 2020.Nate Cohn, The Times's chief political analyst, explains why the results are less a reflection of Trump's growing strength than they are of Biden's growing weaknesses.Guest: Nate Cohn, The New York Times's chief political analyst.Background reading: In the Times/Siena poll, voters in battleground states said they trusted Mr. Trump over Mr. Biden on the economy, foreign policy and immigration.Here are detailed tables from the poll.Less engaged voters are Biden's biggest problem.For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday.

Contributor Ryan Hansen chats with Marshall about using Goodbelly probiotic drink to make delicious kettle sour beer.  The Brülosophy Podcast is brought to you by Imperial Yeast who provide brewers with the most viable and fresh yeast on the market. Learn more about what Imperial Yeast has to offer at ImperialYeast.com today. | Relevant Article | Goodbelly vs. Imperial Yeast W25 Lacto. Brevis xBmt

LRT is back in the spotlight... sort of. It was being discussed at council and from the sound of it, the price is going up. Guest: John Best, Publisher of The Bay Observer - Are Canadians' attitude towards immigration souring? Guest: Andrew Perez is a Toronto-based freelance writer, media commentator and political activist - What is the threat profile posed by Hamilton's city councillors and how should threats, real or not, get addressed? Has that threat level increased? Guest: John-Paul Danko, Councillor, Ward 8, City of Hamilton

Capitalism has entered its villain era. In a new series running Fridays this month, we look at how Americans came to blame it for just about everything. This episode was produced by Miles Bryan, edited by Matt Collette, fact-checked by Laura Bullard, engineered by Patrick Boyd and David Herman with original music by Jon Ehrens, and hosted by Noel King. Additional editorial support from Avishay Artsy, Jolie Myers, and Miranda Kennedy. Transcript at vox.com/todayexplained Support Today, Explained by making a financial contribution to Vox! bit.ly/givepodcasts Learn more about your ad choices. Visit podcastchoices.com/adchoices

Join us in the debut episode of 'Decoding the simplicity of Sourcing' as we delve into Martin's world of Souring and it's evolution from when he has his first brush with it. Martin shares some untraditional yet effective strategies,  along with some of his favourite tools, and demystifies some common misconceptions in sourcing.Please remember to subscribe and rate the podcast to help others discover and enjoy our content to create more awareness on sourcing. Visit our website Follow on LinkedIn Happy Sourcing & Stay Crafty.

According to a report written by John Mooney, Crime Correspondent with The Sunday Times, issues have arisen within the Kinahane Cartel between Christy Kinahan Senior and son Daniel Kinahan.He joined The Last Word to discuss.Catch the full chat by pressing the 'Play' button on this page.

In just 8 months he's built up a team of 35 people who are helping him source and grow and automate his business based on the strategies taught in the provenamazoncourse.com course!   He's also thrilled with what he experienced at our most recent live conference in Columbus Ohio (TheProvenConference.com) and he shares the powerful details.   You'll be inspired and encouraged by this latest episode of our podcast - yet another of 100's of amazing success stories from the amazing students of our Amazon selling community!   Hear the full story here: https://silentjim.com   Watch the video of this episode on our YouTube channel: https://youtu.be/I7GQVN_ehao *******   Fun fact: We are approaching 5.5 million downloads of our show! That's incredible! Thank you for being a loyal listener!   Do you you have story of Amazon selling success or ecommerce success to share with our listeners? We'd love to have you as our next guest! Reach out to us at Support@SilentSalesMachine.com   Don't forget to check out sellerboard, our awesome sponsor - THE accurate profit analytics tool for Amazon sellers that helps you calculate your profit precisely accounting for all hidden fees and in real time. Use our link and get a TWO month free trial: https://SilentJim.com/numbers      Show note LINKS:   Come meet your fellow listeners to this podcast, dozens of our coaches and hundreds of business building warriors at our live event in May! It's not too early to plan! TheProvenConference.com/orlando/   SilentSalesMachine.com - text the word “free” to 507-800-0090 to get a free copy of Jim's latest book in audio about building multiple income streams online!   My Silent Team Facebook group https://www.facebook.com/groups/mysilentteam 100% FREE! Join 70,000 + Facebook members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world!   JimCockrumCoaching.com - Get a free session with a business consultant on our team at 1-800-994-1792 / 1-801-693-1688 or TEXT US at 385-284-7701 (US & Canada only for Text)  ALL of our coaches are running very successful businesses of their own based on the models we teach here!   ProvenAmazonCourse.com - the comprehensive course that contains ALL our Amazon training modules, recorded events and a steady stream of latest cutting edge training including of course the most popular starting point, the REPLENS selling model. The PAC is updated free for life!   Today's guest : Eric Wyn  

Jordan is back in the lab with Cade to chat about the information from last week's episode on kettle souring. The Brü Lab is brought to you by Imperial Yeast who provide brewers with the most viable and fresh yeast on the market. Learn more about what Imperial Yeast has to offer at ImperialYeast.com today.

Daniel LePage, Director of Quality at Creature Comforts in Athens, Georgia, joins Cade in the lab this week to chat about kettle souring.  The Brü Lab is brought to you by Imperial Yeast who provide brewers with the most viable and fresh yeast on the market. Learn more about what Imperial Yeast has to offer at ImperialYeast.com today. | Read More | Creature Comforts website

Bernstein downgraded Alphabet (GOOGL) to market perform from outperform after the stock saw a downgrade yesterday. The analyst cites similar concerns, saying Alphabet's push into generative A.I. could cannibalize its ad revenue for Google Search. Renita Young breaks down the GOOGL story and Walgreens (WBA) earnings. WBA dropped after disappointing the Street on its 3Q earnings, especially as COVID vaccination revenue falls.

It took the ever-changing tech world just a few years to realize that an entire remote work force tamps down what makes tech work best. Now, they want changes, and according to Gene Marks, more creativity is the reason. Gene also is a proponent of states such as North Carolina considering legislation that incentivizes work by waiving state taxes on overtime, and why the Small Business Reorganization Act can be a lifeline for qualified businesses in debt. Listen to this week's episode. DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

DVR, Eno and Welsh breakdown Matt McLain's Reds debut and his value rest of season. We're also talking Dynasty strategies, how to approach prospect pitchers and more.Rundown0:52 Matt McLain10:11 Souring on Tovar12:17 Elly De La Cruz14:25 More prospects coming for the future18:58 What happened to Brandon Williamson20:53 Eury Pérez25:31 Eury Pérez's Curveball28:34 Today's run environment32:26 Pitching prospects in dynasty38:02 Investment in pitching prospects41:12 Lodem or Ledom?43:10 Jake Eder47:40 Listener dynasty questionsFollow DVR on Twitter: @DerekVanRiperFollow Eno on Twitter: @enosarrisFollow Welsh on Twitter: @isitthewelshSubscribe to The Athletic at $2/month for the first year: theathletic.com/ratesandbarrelsSubscribe to the Rates & Barrels YouTube channel: https://www.youtube.com/c/RatesBarrels Hosted on Acast. See acast.com/privacy for more information.

DVR, Eno and Welsh breakdown Matt McLain's Reds debut and his value rest of season. We're also talking Dynasty strategies, how to approach prospect pitchers and more. Rundown 0:52 Matt McLain 10:11 Souring on Tovar 12:17 Elly De La Cruz 14:25 More prospects coming for the future 18:58 What happened to Brandon Williamson 20:53 Eury Pérez 25:31 Eury Pérez's Curveball 28:34 Today's run environment 32:26 Pitching prospects in dynasty 38:02 Investment in pitching prospects 41:12 Lodem or Ledom? 43:10 Jake Eder 47:40 Listener dynasty questions Follow DVR on Twitter: @DerekVanRiper Follow Eno on Twitter: @enosarris Follow Welsh on Twitter: @isitthewelsh Subscribe to The Athletic at $2/month for the first year: theathletic.com/ratesandbarrels Subscribe to the Rates & Barrels YouTube channel: https://www.youtube.com/c/RatesBarrels Learn more about your ad choices. Visit megaphone.fm/adchoices

“PRECIOUS TURMOIL” is the first EP by Zach Langley Chi Chi: an impression of one year, three months and some days. There are lots of things I want to say at the moment, but sometimes saying them in words is too painful. Featuring samples from Okada Yukiko, Madonna, Yano Akiko, Globe, Neon Genesis Evangelion, Togawa Jun, AKB48, Lana Del Rey, Utada Hikaru, Fuji Keiko, Frederic Chopin, Sergei Prokofiev, Sakamoto Ryuichi and Cliff Martinez. Recorded in April, 2023. A high quality file with separated tracks, liner art and the EP cover is available only for patrons: patreon.com/imsopopular 01. Mount Daisen (昭和) 02.告白 03.A Motionless Be 04. That Conversation Hasn't Happened Yet 05. Complete Dependence (平成) 06. Souring 07. Souring II 08.渋谷PARCOから見えた都市景観 09. Don't Talk to Me Like That 10.桜のSEASON 11. Mount Fuji (令和) 12. Someone Will Play the Piano for You Another Day (S3.E41 PRECIOUS TURMOIL)

The Bucks won their 12th straight game, defeating the Chicago Bulls comfortably on the road. Souring the win was a wrist injury to MVP Giannis Antetokounmpo. Giannis left the game early and did not return. Kane and Frank bring the latest news about the injury, the timeframe ahead and what the All-Star break could mean. Also, plenty of credit for a dominant Brook Lopez and impressive performances from Jevon Carter and AJ Green.Support Us By Supporting Our Sponsors!Built BarBuilt Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order.PrizePicksFirst time users can receive a 100% instant deposit match up to $100 with promo code LOCKEDON. That's PrizePicks.com – promo code; LOCKEDONLinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNBAFanDuelMake Every Moment More. Place your first FIVE DOLLAR bet to get ONE HUNDRED AND FIFTY DOLLARS in Free Bets – win or lose! Visit Fanduel.com/LockedOn today to get startedFANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Bucks won their 12th straight game, defeating the Chicago Bulls comfortably on the road. Souring the win was a wrist injury to MVP Giannis Antetokounmpo. Giannis left the game early and did not return. Kane and Frank bring the latest news about the injury, the timeframe ahead and what the All-Star break could mean. Also, plenty of credit for a dominant Brook Lopez and impressive performances from Jevon Carter and AJ Green. Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. PrizePicks First time users can receive a 100% instant deposit match up to $100 with promo code LOCKEDON. That's PrizePicks.com – promo code; LOCKEDON LinkedIn LinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONNBA FanDuel Make Every Moment More. Place your first FIVE DOLLAR bet to get ONE HUNDRED AND FIFTY DOLLARS in Free Bets – win or lose! Visit Fanduel.com/LockedOn today to get started FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Pickleball is a big dill. It's also the fastest-growing sport in America. Meanwhile, superstar investors like Tom Brady and LeBron James are pouring cash into pro pickleball. WSJ's Sara Bosworth explains the rise of the paddle sport and why investors are flocking to it.    Further Reading: -Since When Do Millennials Love Pickleball?  -LeBron James Is Buying a Professional Pickleball Team  Learn more about your ad choices. Visit megaphone.fm/adchoices

Alan Ohnsman, Senior Editor, Forbes joined Grayson Brulte on The Road to Autonomy Podcast to discuss the complex supply chains for electric vehicles and the growing shortage of raw materials and refining capacity for those materials. The conversation begins with Alan discussing the shortage of raw materials and the lack of refining capacity to enable an all-electric future. The push to shift to EVs happened faster than any of the major OEMs anticipated. – Alan Ohnsman The major car manufacturers with the exception of Tesla and Chinese OEMs were caught flat footed with the pace of transition from internal combustion engines to electric vehicles. Over the past year, the price of lithium has increased 122% YTD, forcing EV manufacturers to increase the price of EVs by an average of 54.3% due to the increasing costs of raw materials. How did this happen? The major car manufacturers were simply just not prepared for the consumer demand for EVs. What you are seeing with the run-up in prices especially for lithium would be exactly that. There was not a lot of advanced planning and now suddenly whether it's General Motors or Ford, or VW and everyone else saying we need lots of this stuff, we need it now. Well it's supply and demand. The price is going to react to that when demand suddenly spikes. – Alan Ohnsman With the average price of a new electric vehicle in the United States being $66k, does this create an opportunity for the used hybrid market to grow? Could this create an opportunity for Toyota to sell new hybrid models as well? Possibly. Alan breaks down what he calls the Tesla Effect and its effect on the market. While Tesla is having an effect on the market and driving the average price of a new EV higher, there is also the supply chain issue that is causing elevated prices. Furthermore there is a reported shortage of over 384 graphite, lithium, nickel and cobalt mines and an undisclosed shortage of refining capacity for raw materials globally according to Benchmark Minerals. If you look at the scale of demand and where it's going to be throughout the 2020's and into the 2030's, we are not ready. We need far more sources of supply. – Alan Ohnsman One new potential source of supply that could be coming online in the near feature is The Salton Sea lithium deposit in California. For an article that Alan authored for Forbes, titled; California's Lithium Rush For EV Batteries Hinges On Taming Toxic, Volcanic Brine he visited The Salton Sea to learn about the opportunity first-hand. Governor Newson has called The Salton Sea the “Saudi Arabia of Lithium”. Could this indeed be true? Alan shares his first-hand account of what he learned from visiting the region and meeting the lithium producers. This has never really been done before. Getting Lithium from brine is not a new thing. Getting lithium from this particular type of brine is completely new. It has a lot of challenges. It's going to be fascinating to see. If it works, it's so beneficial for everyone, because it would be a more environmentally friendly sustainable way to do this since you are just tapping into a stream that already exists. – Alan Ohnsman While this method is still unproven, the State of California has moved forward and proposed a flat-rate lithium tax which would impose a tax of $400 per tonne for the first 20,000 tonnes of lithium produced annually, $600 per tonne for the next 10,000 tonnes, and $800 per tonne with output of 30,000 tonnes or more. Is this a classic case of putting the cart before the horse? Could this create an opportunity for Nevada to step in and offer economic incentive packages for mining companies to relocate to Nevada and explore their lithium deposits? The market will be defined by economics and business viability. Grayson and Alan discuss what the economic impact of the proposed tax will have on the Salton Sea region. If they perfect the technology, the tax is probably not that big of a deal as time goes on. But in those critical early years, it is a problem and it will add to the expense of what is already a fairly complicated thing. – Alan Ohnsman Prior to becoming a destination for lithium extraction, The Salton Sea was the Speedboat Capital of the World in the 1920's and 30's. It was a destination for Hollywood to escape the hustle and bustle of LA. The sea became toxic over years due to the runoff from agriculture chemicals and a lack of fresh water from the Colorado River. Today, The Salton Sea is no longer a tourist destination. It's a toxic area that is causing health problems for the individuals who live in the region. It's a ghost town. The lithium extraction companies are hoping that they can revive the ghost town and turn into an old fashion mining town that is buzzing with industrial activity. We'll see whether it takes shape. They got to prove that they can really get this lithium out of there and do it in an affordable way. – Alan Ohnsman While investors can point to the Inflation Reduction Act as a catalyst for demand for lithium from The Salton Sea. The effect of the act might not has large of an impact as they were hoping for as Bloomberg Intelligence reports that the IRA will have a negligible effect on EV sales, accounting for less than 1% of an assumed 15 million US automobiles sold annually through 2028, topping out at 1.3% in 2031.The United States is simply not prepared today for the transition to electric vehicles. The U.S. is highly dependent on China as the country refines 85% of the world's raw materials. Leading to geopolitical risks and the potential for EV supply chains to suddenly come to a standstill. China championed their domestic battery market from the beginning. With China being the world's largest automobile market, Alan talks about how the global OEMs missed this trend and failed to put a domestic strategy in place to ensure a stable supply chain for their electric vehicles. Fast forward to today and VW has committed to spend $20.4 billion to build six new gigafactories in Europe for a capacity of 240 GWh/year. Building the gigafactories is the easy part. Souring the raw materials is the hard part. Setting up a new EV plant, building a new battery plant, that's the easy thing. That is what they know how to do. Sourcing of raw materials, cobalt from the Congo and lithium from Chile and nickel from hopefully Canada, or Indonesia or somewhere else, that is a whole different thing. – Alan Ohnsman This is where Tesla continues to lead. Tesla is continuously one step ahead of its competitors as it relates to securing raw materials and managing it's EV supply chain. Now the company is looking to further secure its raw material supply chain by developing their own lithium hydroxide refining facility in Texas. Wrapping up the conversation, Alan shares his thoughts on what has to be done to ensure a sustainable electric vehicle supply chain.Follow The Road To Autonomy on Apple PodcastsFollow The Road To Autonomy on LinkedInFollow The Road To Autonomy on TwitterRecorded on Thursday September 22, 2022See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

AP correspondent Donna Warder reports on the shift in how Americans see U.S. foreign relations.

CW Today with Loretta Walker is heard each weekday at 12:05 Central Time on Faith Music Radio. Learn more about Loretta, her family and their ministries at ChristianWomanhood.org. Follow Loretta on Facebook - https://www.facebook.com/ChristianWomanhood

"2M apartment complexes, but less than 40,000 mobile home parks across the US."Jimmy Johnson is the founder of Sanddollar Communities, which focuses on the sourcing of off-market, direct-to-seller, mobile home parks. He has closed 58 mobile home parks in 18 different states. Jimmy also has founded Sanddollar Communities Management, a mobile home park property management firm that manages a growing portfolio of over 1,500 sites across the country. Jimmy lives in Tampa, Florida, and is an avid boater & fisherman.Episode Spotlights- Getting in front of sellers and meeting them- Typical duration to close a deal- Best & worst experiences buying and selling mobile home parks- Why Jimmy formed Sanddollars property management company -Systems and processes to manage propertiesBooks Recommended- 4 Hour Work Week Connect with Jimmy Johnson Email: jimmy@jimmyjohnson.coInstagram: https://www.instagram.com/floridajimmy/Grab your freebie - Tips for Multifamily Investing at www.ushacapital.comFound this episode insightful? Show us some love by spreading the word on social media or  rating and reviewing the show here - https://podcasts.apple.com/us/podcast/multifamily-ap360/id1522097213Follow Rama on socials!LinkedIn | Meta | Twitter | InstagramConnect to Rama KrishnaE-mail: info@ushacapital.comWebsite: www.ushacapital.com

Alex from Carolina joins Andrew in the Brew Pub where we talk teenage brewing disasters, and kettle souring! Mixed Berry Kettle Sour 5.5 gallon: 6.25 lbs pale malt 2 lbs Flaked Oats 2lbs white wheat 1.25 lbs Lactose sugar (added during the boil) .5oz Nugget (or similar) at 60 min 2 oz Galaxy at flameout Whirlfloc tablet at 15 min 1pkg of Lactobacillus (Wyeast #5335) or similar 1 pkg of US-05 Heat 7.5 gallons of water to 154 and mash in. 75 minute mash. Mash out at 168. Once mash is finished cool wort to 100 and pitch the Lacto. Keep the wort between 90-100 degrees F for a day or so regularly checking PH. 3.5 is going to be somewhat sour and 3.1 is going to be about as low as you want to go. Once you hit the PH that you want, start the boil process as normal. After the beer ferments out, add in your fruit ~1lb / gallon brewed. I used costco frozen mixed but you can use whatever you'd like. I recommend freezing whatever fruit you use before hand to kill any unwanted bugs and breakdown the cell walls of the fruit.   Carolina Pale Ale 5.5 Gallon Water Profile: Ca 142ppm | Mg 21ppm | Na 29ppm | Sulfate 299ppm | Chloride 54 ppm | bicarbonate 109 11 lbs Riverbend Malt House Southern Select (2 row) 8 oz carapils 8oz crystal 40 1 whirlflock (15 min) 1pkg Cali ale WLP001 .25 oz Nugget 60 min .25 oz CTZ 15 min .25 oz mosaic 15 min .75 oz Azacca whirlpool (15 min) .75 oz CTZ whirlpool (15 min) .75oz Mosiac whirlpool (15 min) 1.5oz Azacca Dry hop 4 days 1.5 oz CTZ Dry hop 4 days 1.5 oz Mosiac Dry hop 4 days Mash at 152 for 75 minutes with a 10 minute mashout at 168. 60 min boil. Link to Skittlebrau from Pop Culture Brews Simpsons episode: https://open.spotify.com/episode/0IwCXQu964XhwZKzx2yUw2 Learn more about your ad choices. Visit megaphone.fm/adchoices

The Dow surged over 600 points, with the S&P and Nasdaq also rising, and Jim Cramer is bringing you up to speed on the market action that drove the indices higher. First, Goodyear CEO Richard Kramer joins CNBC's Cramer to talk about the company's latest innovations, supply chain and more. Then, Cramer's exclusive with CNBC's David Faber on his new documentary, ExxonMobil At The Crossroads. Plus, Cramer explains the importance of price target cuts by using recent IPO Sweetgreen as a case study.

A new AP poll released this week shows for the first time that Americans are souring on "Putin's price hike" as a cost of propping up Ukraine in its war with Russia. Six and seven dollar a gallon gas plus raging inflation have brought the cost of an interventionist foreign policy home to the US and Americans are not happy. Also today, Zelensky's top aide has some colorful words for Ukraine's western sponsors. And...are you ready for Monkeypox? It's the "latest thing."

In this episode, we listen to philosophical words rendered in a moment of angst, as portrayed in Sangam Literary work, Kurunthogai 354, penned by Kayathoor Kizhaar. The verse is situated in the farmlands of 'Marutham' and speaks in the voice of the confidante to the man, refusing him entry to the lady's house.

Perhaps the most clever case of identity theft is Robert the Doll. As a child, we don't think little Eugene Otto suspected a harmless game of copycat could escalate into happily giving away a piece of his identity.Being a one-of-a-kind toy, must not have been enough for Robert the Doll. Maybe he longed to be a real boy too? The frantasmic dreams which accompany childhood and young friendships propelling him to want more. To be more. Or was it a curse? Souring once innocent intentions; giving rise to something sinister. Or is it more likely Robert simply decided he no longer wanted to be a child's play thing...What could be the explanation of a little boy's best friend turning into one of his most unsettling waking nightmares? Join us! You're friendly neighborhood Meta PsycKicks' as we say, "Hello Robert." and "Goodbye Robert." in an attempt to unravel the threads of mystery, metaphysical secrets, and paranormal activity sewn into the elusive Robert the Doll. Given no concrete understanding of the object, will Olivia The Medium be able to use her metaphysical abilities as a psychic medium to connect with the souls threaded into Robert's paranormal existence? Or will she be able to tell the tale Em and prepared for you all before she even gets to share Robert's documented past? Tune in to find out! FOR MORE WATCH THE VIDEO ON THIS TOPIC: https://www.youtube.com/watch?v=rbUdOqfqzOs&t=131sOR READ THE BLOG: https://www.metapsyckicks.com/journalOR JOIN OUR PATREON: https://www.patreon.com/metapsyckicks——-BOOK A PSYCHIC MEDIUM READING:Olivia the Medium: https://www.metapsyckicks.com/our-servicesBOOK A TAROT READING:Emily the Intuitive: https://www.metapsyckicks.com/our-services-----RECOMMENDED PRODUCTS:Our YouTube Setup ►► https://kit.co/metapsyckicks/meta-psyckicks-youtube-setupOur Podcast Setup ►► https://kit.co/metapsyckicks/meta-psyckicks-podcasting-setupEm's Tarot Collection ►► https://kit.co/metapsyckicks/em-s-tarot-card-collectionOther Divination Tools: ►► https://kit.co/metapsyckicks/other-divination-toolsDISCLAIMER: This description might contain affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. While this channel may earn minimal sums when the viewer uses the links, the viewer is in NO WAY obligated to use these links. Thank you for your support!-----ARE YOU A PSYCHIC QUIZ: https://www.metapsyckicks.com/extrasTELL US YOUR PARANORMAL STORIES HERE: https://www.metapsyckicks.com/extrasCHECK OUT OUR WEBSITE AND BLOG:www.metapsyckicks.comEMAIL US: metapsyckicks@gmail.com——-SAY HI ON SOCIAL:YouTube: https://www.youtube.com/channel/UC-Np1K0QH8e-EDHhIxX-FaAInstagram: https://www.instagram.com/metapsyckicksTikTok: https://www.tiktok.com/@metapsyckicks?lang=enFacebook: https://www.facebook.com/Meta-PsycKicks-107812201171308Em's Pet Channel - Chin Villain: https://www.youtube.com/chinvillainOlivia The Medium:Instagram -  https://www.instagram.com/oliviathemedium/Twitter - https://twitter.com/OliviaTheMediumSupport this podcast at — https://redcircle.com/meta-psyckicks/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Alex and Anthony discuss the Giants souring on Kayvon Thibodeaux and a new pass rusher emerging as a potential favorite.  See omnystudio.com/listener for privacy information.