Podcasts about Southeast Asia

Selling your business is often seen as the finish line. But in reality, the value of your business is shaped years before a buyer ever comes to the table.Many business owners assume a profitable business will naturally command a high valuation. Yet buyers are looking beyond today's profits. They want to know whether the business can continue to thrive without its founder, whether its operations are resilient, and whether future growth is sustainable.In this episode, Jerome, our Associate Director of Business Exit, and Ray, our Senior Client Adviser, explore what buyers are really looking for, the common mistakes business owners make, and how to prepare for an exit long before it's on the horizon.Music courtesy of ItsWatR.The host of this episode, Ray Zheng, is a Senior Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

For my 500th (!) podcast episode, I have a super fun treat for you all – I am sharing an interview I did recently on the BRAVE Southeast Asia podcast with my HBS classmate, Jeremy Au!We go in full depth into my own career journey (I don't think I've ever shared it in so much detail before).We talk about the biggest lessons I've learned along the way. And as always, I share some of my favorite frameworks and tools for…

Searching for information is no longer just about keywords. AI is changing the way students and researchers discover, connect and make sense of knowledge. As NUS launches AI Sense Maker, Southeast Asia's first conversational AI platform for academic research, Lynlee Foo speaks with Associate Professor Natalie Pang, University Librarian at the National University of Singapore, about what AI means for research, critical thinking and the future of learning. See omnystudio.com/listener for privacy information.

Dr. Sue-Anne Toh, CEO and co-founder of NOVI Health, joins Jeremy Au to discuss the critical intersection of metabolism, longevity, and health policy. They explore the "War on Diabetes" in Singapore, unpacking why Asian populations are predisposed to insulin resistance and visceral fat accumulation even at lower BMI levels. Dr. Toh shares her transition from healthcare administration at NUHS working with MOH, to launching a health-tech "speedboat" to bridge the implementation gap in preventive care. The conversation covers the 80/20 of longevity, the role of GLP-1 medications in hormonal balance, and actionable strategies for "banking" muscle mass to ensure quality of life during aging. Watch, listen or read the full insight at https://www.bravesea.com/blog/sue-anne-toh-novi-health  BRAVE is Southeast Asia's leading tech podcast, hosted by Jeremy Au. Honest conversations with the region's top founders, investors, and operators on building startups in Southeast Asia. New episodes every week. Subscribe so you never miss one. Listen & Subscribe YouTube (English), YouTube (Bahasa Indonesia), Spotify (English), Spotify (Bahasa Indonesia), Spotify (Chinese), Spotify (Vietnamese), Apple Podcasts Follow BRAVE LinkedIn, X (Twitter), Instagram, TikTok, WhatsApp Follow Jeremy Au LinkedIn, X / Twitter, Instagram, TikTok, Facebook, Threads, Twitch Resources Get transcripts, startup resources & community discussions at www.bravesea.com #Singapore #Longevity #Healthspan #SoutheastAsiaTech  00:00 - Introduction: Dr. Sue-Anne Toh's background 02:14 - Choosing medicine over law: curiosity and impact 03:51 - From policy to founder: the "impatient" path to NOVI Health 10:49 - Navigating the "Snake Oil" noise in longevity 12:39 - The 80/20 of health span: sleep, steps, and nutrition 22:30 - The ROI of treats: behavior change vs. restrictions 30:02 - TOFI Phenotype: Thin Outside, Fat Inside 33:04 - The Insulin Resistance "Pancreas Factory" 37:56 - Public Health strategies: Enforce, Empower, Educate 40:35 - GLP-1s and the future of weight care 45:01 - Why muscle mass is the ultimate longevity asset

Almost a third of all the food available to us is thrown away. In Hong Kong alone, 3,300 tonnes go to landfill every single day, nearly a third of everything the city bins. And most of it is perfectly good. Bakeries bake for the last customer who might walk in, hotels lay out a full buffet until closing, so ten to fifteen percent of what they make is surplus by design.In this episode we speak with Louis-Alban Batard-Dupré and Mahima Rajangam Natarajan, an HEC Paris graduate who spent a decade scaling tech companies across Europe, the US and Southeast Asia, and a growth marketer who built customer acquisition at Lazada and Eatigo.Yindii is Asia's surplus food marketplace. Shops list what they haven't sold as a "surprise bag" at 50 to 70% off, you reserve it in the app, and collect it in the last hour before closing. The merchant recovers money on food that was heading for the bin, pays nothing to join, and Yindii only earns a commission when a bag actually sells. For the customer it is the cheapest good food in the city, plus a small thrill: you don't know what's inside until you open it.1.1 million meals rescued so far across Bangkok, Hong Kong and Singapore, with Seoul launching. More than 1,000 merchant partners including Pret A Manger, Paul, Marriott, Accor and Circle K. Revenue has tripled three years running, and the company turned profitable in 2025.Their vision: to become the platform Asia's food businesses run all their surplus through, from the bakery on the corner to the warehouses upstream.Hosted by Maaike Doyer & Hester Spiegel, founders of Epic Angels.

This is episode 5 of a six-part series on food imperialism. Welcome to Edible Empire, a podcast by Planet Pulse Pacific about the hidden cost of our food.Beyond recipes lies a story of power. From colonial plantations to modern agribusiness, this podcast reveals how the pursuit of food has redrawn maps, exploited people, and still shapes who holds control today.This episode explores how New Zealand's dairy industry links local landscapes to global extraction, ecological harm, and the wider machinery of food imperialism.New Zealand's image of clean, green pastures hides one of the world's most intensive dairy industries. Behind each glass of milk there is a hidden web of global extraction: phosphate mined from occupied Western Sahara, palm kernel imported from deforested Southeast Asia, and polluted rivers flowing through Māori ancestral lands. This episode traces how New Zealand's dairy boom reshapes both local ecosystems and distant economies, from illegally occupied territories in West Africa to political power in New Zealand. Through the story of “white gold”, we uncover how even the purest landscapes are bound into the machinery of food imperialism.Here, we discuss the environmentally destructive and geopolitically fraught supply chains connecting intensive dairy production in Aotearoa New Zealand with phosphate mining in the illegally occupied territory of Western Sahara. Our three expert guests detail how New Zealand's export-driven commodity model creates intense global market pressures for corporate profit and high-yield volume. Freshwater ecologist Dr Mike Joy exposes the catastrophic local consequences of this system, explaining how excessive synthetic nitrogen and fertiliser inputs poison rivers, disrupt aquatic ecosystems, and contaminate drinking water. Geographer Dr Milena Bojovic unpacks the structural traps forcing farmers into continual intensification, which in turn fuels a dependency on rare, internationally contested mineral resources.Finally, researcher and artist Dr Crystall Bennes traces the physical journey of this phosphate rock, revealing how Western agricultural high yields rely heavily on wealth extracted under colonial conditions from the Boo Cra mine, highlighting the profound human and environmental costs borne by displaced Sahrawi populations.Make sure you subscribe so you don't miss out on the next episode!Resources from this episode:https://ojs.victoria.ac.nz/pq/article/view/9629/8507https://people.wgtn.ac.nz/mike.joy https://www.gofundme.com/f/almasar-library-education-centre-for-children-and-women https://wsrw.org/en https://www.crystalbennes.com/ To view all the links to the websites and documents, visit the show notes on our website.Please support our work and enable us to deliver more content by buying us a coffee or becoming a member of Athletes for Nature.Follow us on Instagram and Facebook, subscribe to this podcast, and share this episode with your friends and family.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Damon Haley Co‑founder of Glow and Flow Beauty, discussing his transition from entertainment and sports marketing into the beauty-supply industry, his mission to elevate service for Black and Brown communities, and the franchising model he is rolling out nationwide. Hosted by Rushion McDonald on Money Making Conversations Masterclass, the conversation highlights Haley’s business philosophy, community-driven approach, and long-term vision to create ownership opportunities through franchising.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Damon Haley Co‑founder of Glow and Flow Beauty, discussing his transition from entertainment and sports marketing into the beauty-supply industry, his mission to elevate service for Black and Brown communities, and the franchising model he is rolling out nationwide. Hosted by Rushion McDonald on Money Making Conversations Masterclass, the conversation highlights Haley’s business philosophy, community-driven approach, and long-term vision to create ownership opportunities through franchising.

>p>Broadcast from KSQD, Santa Cruz on 7-30-2026: A type of coffee brewed from beans that have been altered by passage through the digestive track of civet cats is a delicacy in Southeast Asia. A Scientific Reports paper using gas chromatography analyzed Kopi Luwak (civet-processed coffee beans) versus fresh-picked beans, finding elevated caprylic and capric acids that carry the characteristic flavor notes found in dairy products. Dr. Manuel Esteller sampled and tested the blood, saliva, urine, and stool of the oldest human Maria Branyas Morera, who died last year at 117. Despite exceptionally short telomeres, she carried anti-inflammatory genetic variants seen in long-lived dogs, worms, and flies, and had unusually high Bifidobacterium levels—likely boosted by her three-daily-servings-of-yogurt habit. Dr. Dawn defends sunscreen use against Environmental Working Group scare campaigns, noting that concerns about absorption of sunscreen ingredients into blood remain theoretical while sunburn's melanoma link is well-established. She argues that a badly sunburned toddler starts a clock that can produce melanoma by the late teens. The FDA advisory committee is reviewing certain short amino acid chains popularly known as "peptides" for potential compounding-pharmacy production, covering proposed to treat ulcerative colitis, wound healing, insomnia, insulin resistance, migraines, and osteoporosis. Dr. Dawn flags that five to seven committee members have industry conflicts of interest, but argues that even flawed approval is preferable to the current gray market, where analysis shows vials contain only 4-28% of labeled content along with endotoxin and toluene contamination. She proposes surveillance tracking of prescribed peptides to catch adverse effects early, citing a foreign melanocortin nasal spray tanning product that caused rare nasal melanomas as a cautionary example. Utah State biochemists working with the Cas12a2 CRISPR enzyme discovered that instead of behaving as a precise gene-editor like Cas9, it goes into an indiscriminate DNA-shredding mode after recognizing its target RNA. By programming it to recognize RNA sequences uniquely activated in cancer cells (embryonic-development genes that shouldn't be running in adults), researchers destroyed only the cancer cells in tissue culture, potentially offering a way to eliminate small metastases without healthy tissue toxicity. Cancer patients who received a COVID-19 mRNA vaccine within 100 days of starting immune checkpoint inhibitor therapy showed dramatically improved outcomes, with median survival in advanced lung cancer rising from 20 to 37 months. Non-mRNA vaccines (flu, pneumonia) showed no such benefit. Lab work suggests the mRNA triggers type-1 interferon release that activates tumor-infiltrating immune cells and drives them to lymph nodes to train other immune cells against the tumor. Researchers redesigned a CD40 agonist antibody to bind multiple receptors simultaneously by clustering with a second antibody, stretching the cell surface and triggering a powerful immune response. In a 12-patient trial, injecting one tumor caused all tumors to shrink in six patients and produced complete remission in two—including a melanoma patient with dozens of leg tumors and a metastatic breast cancer patient whose lung and liver tumors resolved after skin injection. Two small trials of CAR natural killer cells—engineered like CAR T-cells but derived from donor umbilical cord blood and thus potentially available off-the-shelf—showed remarkable results in autoimmune disease. All 27 systemic lupus patients targeting the CD19 protein on autoantibody-producing cells showed improvement, with some remaining in remission at nearly two years. A single Shanghai patient with systemic sclerosis showed restoration of normal skin and blood vessel structure. A paradox has emerged in advanced prostate cancer: while blocking testosterone halts early tumor growth, cancer cells eventually adapt to low-androgen conditions such that flooding tissues with testosterone in advanced disease can actually halt tumor progression by triggering cellular redifferentiation. Separately, Dr. Dawn reviews conflicting evidence on Parkinson's risk from androgen deprivation therapy, singling out enzalutamide (Xtandi) as the most concerning drug due to blood-brain barrier penetration, and recommending darolutamide as the safest alternative with matching prostate efficacy but minimal CNS entry.

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Ghost Maps returns for Season 4! Find out how The Collector recovers from his previous encounters in this special episode on the first day of the Hungry Ghost Month... Ghost Maps follows an unnamed narrator as he chronicles true accounts of the supernatural across Southeast Asia. ►GHOST MAPS CREDITS:Kyle Ong - DirectorWayne Rée - WriterJoline Lim - Art Director►SUPPORT & FIND US HERE:HANTU InstagramHANTU YouTubeHANTU TikTokHANTU FacebookHANTU TwitterHANTU WebsiteHANTU Patreon►MUSIC CREDITS:Kevin Macleod: https://incompetech.comMyuu: https://www.youtube.com/user/myuujiArtlist: https://artlist.io/ ►EQUIPMENTS:Ghost Maps is recorded on Audio-Technica Mics.►THANK YOU TO OUR SUPPORTERS ON PATREON: Stanley SantosAustin ChongLinda HadenNeoVegasAssassinMai Jake Lee YJSofeaCeph, the Ghost WriterSlajaSajkaNicolez PhuaAndika BramantioMedidi StephensMiranda Pruett Abby WintkerDyah Candra Hapsari SubagyoAdnan SalimPhani ShankarTom JohariR.YAayush GuptaNikoHeather TanKai LinJulie HolochwostMonica DuboisLexiHanni LaurenChristopher SmallwoodAshley ChanØyvind Husebø Kismet Sith Socheata ►ABOUT HANTU:#trueghoststory #ghoststory #ghoststories #horrorstory #horrorstories #southeastsia #singapore #ghostmaps #deadair #podcast #wearehantu #hantu #hantusg Hosted on Acast. See acast.com/privacy for more information.

In this episode I'm speaking with Dr. Christopher McCurdy and Dr. Swathi Nadakuduti about Kratom (Mitragyna speciosa). If you aren't familiar with this species, they are a tree from South-East Asia whose leaves have been chewed or brewed for a long time for a variety of reasons, but mostly used in a similar way to Coffee or Coca. More recently powdered leaves and live plants have been imported across the globe and have been used for similar uses as well as for treating pain, substituting for opioids and many other purposes. Between these 2 guests we cover traditional use, cultivation, chemical constituents, recent changes in the Kratom marketplace, and best practices for consumption. I was very impressed with their ability to speak on these topics utilizing their many years of primary research, but also in way that should be easily understood by most listeners. You can contact them through their faculty pages, or find their work on Google Scholar (Christopher / Swathi) or check out the website of the Nadakuduti Lab. The other podcasts I mention in the intro are: The Dugout, The Beautiful Idea. Thanks to MK for having me on The Child and It's Enemies. If you want to support this podcast, you can tell a friend to check it out, subscribe/rate/review on your favorite podcast platforms and/or join the Patreon. You can also submit questions or listener audio!

Independent publishing might seem like a small element of Indonesia's cultural landscape: limited print runs, niche books, and audiences that rarely extend into the mainstream. Yet these spaces can matter precisely because they make room for voices, ideas, and forms of cultural expression that have little place elsewhere. This matters in Indonesia today, where civic space is increasingly constrained and marginalised communities, including queer people, face growing stigma, scapegoating, and political hostility. In this context, publishing becomes not only about circulating books but a way of sustaining communities, and creating spaces where people can think, disagree, and imagine different forms of social and political relations. In this episode of Talking Indonesia, Dr Clara Siagian speaks with Syarafina, co-founder and commissioning editor of Cahyati Press, an independent publishing practice based in Bali. Cahyati publishes books, zines, and artist books by writers, poets, artists, and researchers, particularly queer, working-class, and BIPOC voices that are often overlooked by mainstream publishing. Syarafina reflects on her twelve-year journey through independent publishing and on why Cahyati Press came into being. For her, independent publishing is less about size than editorial freedom to publish work because it matters, even when it defies common literary classification or when it is not commercially viable. That freedom takes on particular significance when we talk about queer publishing. As LGBTQ+ people in Indonesia face increasing stigma and political scapegoating, Syarafina argues for the importance of documenting queer lives in all their complexity. This means communicating not only stories of violence and survival, but also stories of friendship, family, work, migration, desire, boredom and joy. Publishing, in this sense, can be a quiet form of resistance which encompasses preserving stories, creating memory, and allowing people to recognise that they are not alone. The conversation also takes us beyond Indonesia. Cahyati Press is part of a growing international network of independent publishers, artists, writers, booksellers and cultural organisers across Southeast Asia, Australia, Europe and beyond. Rather than seeing Indonesia simply as a place where international researchers and artists come to study or work, this network points to Indonesia as a place from which connections are being forged, and cultural conversations are being shaped. Finally, we discuss what independent publishing might offer academics: an opportunity to experiment with shapes, audiences and methods, and to imagine forms of knowledge production beyond the rigid conventions of academic publishing. In 2026, Talking Indonesia podcast is co-hosted by Dr Jacqui Baker from Murdoch University, Dr Clara Siagian from University College London, Dr Elisabeth Kramer from the University of New South Wales, Dr Jemma Purdey from the Australia-Indonesia Centre, and Tito Ambyo from RMIT.

In this week's podcast - the Sensitivity of Patient Questionnaires: If you've ever asked a patient to fill out a Patient Health Questionnaire (like the PHQ-9) to assess their mental health and wondered exactly how much of a change it can actually detect, new research just published on bmj.com sets out to answer that question. We're joined by Brett Thombs, Professor in the department of Psychiatry at McGill University Also this week, Are Doctors Scared of Death? BMJ Careers Editor Abi Rimmer sits down in the studio with Richard Coker, Emeritus Professor of Public Health at LSHTM. Drawing from his early days as an HIV doctor during the onset of the AIDS epidemic, and later with infectious disease outbreaks in South East Asia. Professor Coker discusses the profound experiences of the end of his patients lives that shaped his new book, Timor Mortis: How We Live with Death. Reading list: Minimal detectable change of the Patient Health Questionnaire-9, Patient Health Questionnaire-8, and Patient Health Questionnaire-2`

Today, my guest is writer, thinker, and friend Dan Wang. He was on Statecraft a year ago, but this time, we're talking about a scholar who has shaped both of our thinking: the late great James C. Scott, author of (among many other classics) Seeing Like a State.We discuss:* How Scott's fieldwork helped him understand peasant life and state capacity* How mountains impede state power, in Southeast Asia and the USA* How peasants and civil servants resist authority* The advantages of tubers over rice* Dan's guiding principles for a career in an era of large language modelsFor the full transcript of this conversation, go to www.statecraft.pub. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.statecraft.pub

Today we're tackling a topic that sits at the uncomfortable intersection of finance and human suffering: human trafficking.   Every year, forced labour generates hundreds of billions of dollars in illegal profits  and much of that money passes through the very systems our industry is built to protect. Which means the people sitting in compliance, fraud and financial crime teams aren't just guarding against loss. In cases like this, they're often the first line standing between a trafficking network and the people it exploits.   In this episode, 'Tracing Trafficking Through the Financial System,' Kimberley Cole is joined by two guests who see this problem from very different vantage points. Archana Kotecha has spent years working directly with trafficking survivors across South East Asia, and now trains financial institutions on what trafficking actually looks like on the ground. And Anurag Mohapatra of NICE Actimize brings the strategic, industry-wide view on how detection technology and typologies are evolving to keep pace.   Together, we'll talk about what red flags really mean, why major global events like the 2026 World Cup raise the stakes, and what it actually takes to turn a suspicious activity report into a rescue. During our discussion we'll refence some of the findings in the Nice Actimize: The NICE Actimize Human Trafficking Investigative and Response Guide: World Cup 2026 https://resources.niceactimize.com/wp-content/uploads/2026/05/Human-Trafficking-Investigative-and-Response-Guide-World-Cup-2026-Final.pdf

"What a turbulent seven months 2026 has delivered so far." As we say goodbye to July, Gary and Hannah review the latest hot topics in travel and tourism from across South East Asia, China and India, and look ahead to the rest of the year. We begin by breaking down the multi-billion RMB fine imposed by China's anti-trust regulator on Trip.com, the nation's largest OTA, for "monopolistic practices". From China we head to Malaysia, where an unexpected F1 Grand Prix race is raising the tourism temperature. Next to Singapore, where the national carrier, Singapore Airlines, enjoyed record quarterly revenue and thriving passenger demand offset by a stinging 78.5% rise in fuel costs. We look at Cambodia Airlines' order for 20 COMAC aircraft and Thai AirAsia's decision to suspend nine domestic flight routes from Bangkok Suvarnabhumi until October. Will they be reinstated for peak season? Plus, we look at Singapore's upcoming concert tourism season from the perspective of the Indian media, assess the impact of AI on tour guiding - and finish with a humorous story about a jail stay request in the Philippines.

While much of the world focuses on the headlines, God is moving in places few ever get to see. CBN International's Regional Director for Southeast Asia joins us to share how lives are being transformed through the CBN's very own ministry. ...

While much of the world focuses on the headlines, God is moving in places few ever get to see. CBN International's Regional Director for Southeast Asia joins us to share how lives are being transformed through the CBN's very own ministry. ...

A familiar voice on the phone or a recognizable face on a video call used to offer some reassurance that you knew who you were dealing with. AI has changed that. Voice cloning, face swaps, and real-time video impersonation now allow scammers to convincingly pose as executives, job candidates, romantic interests, or even family members. Understanding how these attacks work and where they may be headed is a central part of Tom Cross's work as Head of Threat Research at GetReal Security. Tom has spent more than 30 years studying cybersecurity threats, software vulnerabilities, and the methods attackers use to exploit technology. Before joining GetReal Security, he held leadership roles at IBM X-Force, Lancope, and Drawbridge Networks, and he has shared his research at major security conferences including Black Hat and DEF CON. His current work focuses on deepfake-enabled social engineering and the development of tools that can detect digital impersonation, including signs that are often too subtle for a person to recognize. In this episode, we learn how little audio is needed to clone someone's voice, why live video is no longer reliable proof of identity, and how deepfakes are being used in romance scams, investment fraud, identity theft, and remote hiring schemes. We also talk about AI agents that can carry on persuasive conversations, adjust their behavior based on a victim's reactions, and repeat those tactics on a massive scale. The discussion offers a revealing look at why familiar advice for spotting fakes is quickly becoming outdated and what individuals and organizations will need to do differently as the technology improves. Show Notes: [01:05] Tom shares how his early work in vulnerability research led to a career studying sophisticated cybersecurity threats. [03:32] Running a bulletin board system as a teenager helped spark an enduring interest in hacking and computer security. [06:11] A look back at early online communities, text-based games, Fidonet, and the pre-internet era. [09:36] The conversation shifts to deepfake research and the technology being developed to detect manipulated media. [11:29] Deepfakes are divided into audio, visual, file-based, and real-time forms, each creating different risks. [15:20] Modern voice clones can fool both people and biometric authentication systems, making specialized detection increasingly important. [18:30] Virtual backgrounds and other subtle processing artifacts may reveal manipulation even when nothing looks obviously wrong. [20:31] Deepfake detection has become another cybersecurity arms race as attackers continually improve their methods. [22:30] Romance scams, investment fraud, remote job schemes, and identity theft are among the growing uses of deepfake technology. [25:26] Scammers succeed by exploiting desires, expectations, and the human tendency to rationalize warning signs. [27:56] Large-scale phishing and business email compromise attacks only need a small percentage of targets to respond. [29:22] Criminal compounds in Southeast Asia use trafficked workers and deepfake tools to conduct scams on a massive scale. [30:27] North Korean remote workers may use stolen identities and shared deepfake personas to secure jobs at American companies. [33:45] Purpose-built criminal software combines face swapping with appearance-enhancing features designed for romance scams. [35:05] Common visual tests for identifying deepfakes are becoming unreliable as the technology advances. [39:24] Emotional investment makes detection even harder because people often explain away signs that something is wrong. [40:47] Building authentication into the internet could help people determine whether digital content is genuine. [42:13] AI agents may soon conduct automated scams that respond naturally, apply pressure, and adjust to a victim's behavior. [45:14] Automation could allow criminals to target hundreds of thousands of people while making impersonation increasingly convincing. [46:22] Machine learning may create self-improving scams that test countless variations and concentrate on the tactics that work. [49:18] AI lowers the technical barrier to cybercrime by helping people create tools they could not build on their own. [51:06] Phones and messaging platforms may eventually require stronger controls as automated calls and texts become more common. [53:09] Digital signatures, watermarks, and verified content could help distinguish malicious deepfakes from authorized uses. Thanks for joining us on Easy Prey. Be sure to subscribe to our podcast on iTunes and leave a nice review.  Links and Resources: Podcast Web Page Facebook Page whatismyipaddress.com Easy Prey on Instagram Easy Prey on Twitter Easy Prey on LinkedIn Easy Prey on YouTube Easy Prey on Pinterest GetReal Security Tom Cross - LinkedIn

While much of the world focuses on the headlines, God is moving in places few ever get to see. CBN International's Regional Director for Southeast Asia joins us to share how lives are being transformed through the CBN's very own ministry. ...

While much of the world focuses on the headlines, God is moving in places few ever get to see. CBN International's Regional Director for Southeast Asia joins us to share how lives are being transformed through the CBN's very own ministry. ...

Everyone has the same access to the same frontier models. So what's actually left to compete on? Jeremy Au moderates a panel at the Crosscurrents Summit in Parañaque on where enterprise AI adoption really stands. Aravind Kandiah is CTO and Co-founder of Bifrost, a robotics infrastructure company that simulates the world to evaluate robots. Its simulations power some of the largest robotics companies, from Mars exploration with NASA to high-risk industrial work. Bifrost is backed by Sequoia Capital, Lux Capital and Airbus Ventures. On the panel he splits enterprises into those running pilots to hit an R&D spend target and those facing a real forcing function, like Korea's birth rate leaving factories unstaffed. Only the second group ships. Jun Wakabayashi is a Venture Principal at AppWorks, one of Asia's leading accelerators and VC firms. He rose from Analyst in 2017 to Principal by 2023 and leads its Beacon Funds arm, a fund-of-funds backing emerging venture managers across Southeast Asia and web3. He holds a B.S. in Finance from NYU Stern and previously worked at PwC. He puts engineering at 60 to 80% of enterprise token spend and tracks teams accidentally burning $5 million a month. John Homer Alvero is Head of AI Engineering at Converge ICT, one of the Philippines' largest fiber broadband and digital infrastructure providers. An AWS architect across fintech, telco and gaming, he was previously Cloud Solutions Architect at SM Investments. His blocker isn't the technology: governance and cybersecurity teams can't write credible guardrails until they're AI-literate themselves. Where they split: Aravind says the moat is everything except the model. Jun says it's distribution, the one thing the labs lack. Crosscurrents Summit, presented by Clouted Watch, listen or read the full insight at https://www.bravesea.com/blog/enterprise-ai  BRAVE is Southeast Asia's leading tech podcast, hosted by Jeremy Au. Honest conversations with the region's top founders, investors, and operators on building startups in Southeast Asia. New episodes every week. Subscribe so you never miss one. Listen & Subscribe YouTube (English), YouTube (Bahasa Indonesia), Spotify (English), Spotify (Bahasa Indonesia), Spotify (Chinese), Spotify (Vietnamese), Apple Podcasts Follow BRAVE LinkedIn, X (Twitter), Instagram, TikTok, WhatsApp Follow Jeremy Au LinkedIn, X / Twitter, Instagram, TikTok, Facebook, Threads, Twitch Resources Get transcripts, startup resources & community discussions at www.bravesea.com #EnterpriseAI #AIStrategy #AIAdoption #BuildVsBuy #AIROI #PhysicalAI #Robotics #SoutheastAsia #TechPodcast 00:00 Introduction 00:40 Meet the panel 03:02 Is enterprise AI adoption actually real? 05:34 Engineers have stopped typing code 08:21 What's really holding enterprises back 10:30 How to measure ROI and cap token spend 15:32 Where the returns show up internally 18:36 Build or buy, and why services came back 23:23 Advice to a three-years-younger self 26:02 Model, brand, or distribution?

fWotD Episode 3372: Tiger Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Wednesday, 29 July 2026, is Tiger.The tiger (Panthera tigris) is a large cat and a member of the genus Panthera native to Asia. It has a powerful, muscular body with a large head and paws, a long tail and orange fur with black, mostly vertical stripes. It is traditionally classified into nine recent subspecies, though some recognise only two subspecies, mainland Asian tigers and the island tigers of the Sunda Islands.Throughout the tiger's range, it inhabits mainly forests, from coniferous and temperate broadleaf and mixed forests in the Russian Far East and Northeast China to tropical and subtropical moist broadleaf forests on the Indian subcontinent and Southeast Asia. The tiger is an apex predator and preys mainly on hooved mammals, which it takes by ambush. It lives a mostly solitary life and occupies home ranges, defending these from individuals of the same sex. The range of a male tiger overlaps with that of multiple females with whom he mates. Females give birth to usually two or three cubs that stay with their mother for about two years. When becoming independent, they leave their mother's home range and establish their own.Since the early 20th century, tiger populations have lost at least 93% of their historic range and are locally extinct in West and Central Asia, in large areas of China and on the islands of Java and Bali. Today, the tiger's range is severely fragmented. It is listed as Endangered on the IUCN Red List of Threatened Species, as its range is thought to have declined by 53% to 68% since the late 1990s. Major threats to tigers are habitat destruction and fragmentation due to deforestation, poaching for fur and the illegal trade of body parts for medicinal purposes. Tigers are also victims of human–wildlife conflict as they attack and prey on livestock in areas where natural prey is scarce. The tiger is legally protected in all range countries. National conservation measures consist of action plans, anti-poaching patrols and schemes for monitoring tiger populations. In several range countries, wildlife corridors have been established and tiger reintroduction is planned.The tiger is among the most popular of the world's charismatic megafauna. It has been kept in captivity since ancient times and has been trained to perform in circuses and other entertainment shows. The tiger featured prominently in the ancient mythology and folklore of cultures throughout its historic range and has continued to appear in culture worldwide.This recording reflects the Wikipedia text as of 01:11 UTC on Wednesday, 29 July 2026.For the full current version of the article, see Tiger on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Ivy.

Join Umberto Bongianino as he walks us through one of the western Islamic world's least appreciated artistic treasures: its calligraphy. For years, Maghribi calligraphy has been treated as amateurish, archaic, and unruly in contrast with the highly theorised conventions of Mashriqi calligraphy in the so-called centre of the Islamic world of Egypt, the Levant, and Anatolia. In this episode, Umberto challenges this view, emphasising the interaction of Maghribi calligraphy with multiple traditions specific to its geographical milieu.Maghribi calligraphy is traditionally written with a pointed tip (Ar. قلم مدبب) meaning that the line is always of equal thickness. It features distinctive curved letter forms, extended horizontals, and notation of certain Arabic letters below the main body.Umberto's work on Maghribi calligraphy forms part of CallFront, a collaborative research project that attempts to draw attention to the calligraphic traditions of the “frontiers” of the Islamic world, amongst them Maghribi, but also sub-Saharan Africa, South East Asia, and China.Umberto Bongianino is Samir Shamma Associate Professor of Numismatics, Epigraphy, and Material Culture at the Khalili Research Centre, University of Oxford. His research focuses on Arabic epigraphy, palaeography, the aesthetic of inscribed objects, and the arts of the book in the western Islamic world. His recent monograph is titled The Manuscript Tradition of the Islamic West: Maghribī Round Scripts and the Andalusī Identity.This episode is part of our series Peripheries which seeks to push our understanding of the cultural heritage of the Islamic world away from the traditional centres that we associate with it. With a fantastic range of guests we will examine places and topics often considered peripheral to the Islamic world and understand why they are in fact of central importance to the region's cultural heritage, from Armenia to England, from Ethiopia to West Africa.

A.M. Edition for July 28. Monday's slump in chip stocks spreads to Asian markets. Finance editor Alex Frangos says new concerns that China is catching up in the technological arms race come just as investors brace for updates on how much hyperscalers are spending on the AI buildout. Plus, as Volodymyr Zelensky returns to the White House, WSJ's Marcus Walker says the Ukrainian president is hoping to turn President Trump's fresh optimism about the war against Russia into a promise of more support. And Mercedes-Benz is the latest automaker to warn of headwinds in China, as the country's appetite for foreign cars continues to decline. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Golden Gate Ventures is one of Southeast Asia’s most established early-stage venture firms, having backed companies across the region since 2011. They have invested in companies that are now household names in the region. Examples include Gojek, which started as a motorcycle taxi service in Indonesia and grew into a super app spanning payments, food delivery, and logistics, and Grab, which began as a ride-hailing service in Singapore and similarly expanded across Southeast Asia into food delivery and financial services. Jeffrey Paine is a co-founder and partner at Golden Gate Ventures. In this episode, Jeffrey joins Gregor Vand to discuss how the Southeast Asian startup ecosystem has evolved, why the regional copycat model is giving way to globally ambitious technical founders, what companies like Manus and Supabase reveal about Singapore’s emerging role in the global tech landscape, and what advice Jeffrey gives founders today who want to build something that matters beyond their home market. Sponsorship inquiries: sponsor@softwareengineeringdaily.com The post The Startup Scene in Southeast Asia appeared first on Software Engineering Daily.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Damon Haley Co‑founder of Glow and Flow Beauty, discussing his transition from entertainment and sports marketing into the beauty-supply industry, his mission to elevate service for Black and Brown communities, and the franchising model he is rolling out nationwide. Hosted by Rushion McDonald on Money Making Conversations Masterclass, the conversation highlights Haley’s business philosophy, community-driven approach, and long-term vision to create ownership opportunities through franchising.

We made it to the final stop on this summer's Around the World with Busy Kids Love Music tour — and what a destination to end on. The Philippines is an archipelago of more than 7,000 islands in Southeast Asia, home to over 110 million people speaking more than 180 languages and dialects. Its folk music is not one tradition — it is many, layered on top of each other over thousands of years: ancient bronze gong ensembles from the highlands and the southern islands, rice harvest chants recognized by UNESCO, Spanish-influenced string ensemble music that became entirely its own thing, and love songs that carried a secret message of resistance hidden in plain sight. In this finale episode, we explore both sides of Philippine folk music — the indigenous traditions that survived centuries of Spanish colonization, and the hybrid traditions that grew from the meeting of Filipino and Spanish culture. And woven through it all is a theme that has appeared at every stop on this summer's tour: music as the keeper of identity, the carrier of what people are not always free to say out loud. What We Cover in This Episode The Philippines' geography, history, and extraordinary cultural diversity — 7,000+ islands, 180+ languages, indigenous peoples alongside centuries of colonial influence Spanish colonial rule (1565–1898) and how it reshaped lowland Filipino culture while leaving highland and southern communities largely intact The kulintang — a row of bronze gongs played in ensemble by the Maranao and Maguindanao peoples of Mindanao and the Sulu Archipelago The gangsa tradition of the Kalinga people of the Cordillera highlands — flat bronze gongs played communally, one gong per player The hudhud — a form of epic chanted poetry sung by Ifugao women during rice harvests and funerals, recognized by UNESCO as an Intangible Cultural Heritage The rondalla — a Spanish-derived plucked string ensemble that became the sound of Filipino fiestas and community celebrations The harana — a traditional serenade tradition with Spanish roots that developed its own Filipino character, now a disappearing tradition being actively preserved The kundiman — Filipino love songs from the late 19th and early 20th centuries that carried hidden messages of patriotism and longing for independence under colonial rule How Filipino-American communities across the United States are keeping these traditions alive today Free Downloads for This Episode

Episode #579: “I did not expect to be conversing in Urdu with someone in Yangon.” Bilal Hassan, a Pakistani creator and doctor, traveled to Burma after noticing how much of Karachi's everyday culture carried unexplained Burmese traces: khao suey, family names, old songs about Rangoon, and stories no one could quite complete. His trip began as a search for those missing links, but Yangon gave him something more complicated than recognition. The city felt to him like the place where South Asia and Southeast Asia meet, with Urdu-speaking caretakers at Bahadur Shah Zafar's shrine, Surti and Memon mosques tied to Karachi business families, Tamil and Chulia Muslim institutions, halal food, and Burmese Muslim cuisine shaped by migration. Yet those familiar traces existed inside a post-coup country marked by checkpoints, fuel shortages, surveillance, airport controls, and a visible gap between wealth and hunger. A roadside woman near Bago had only white rice to offer, while a hotel buffet back in Yangon complete with French champagne cost dozens of dollars. The deepest tension came through Muslim life itself. Downtown Yangon looked visibly Muslim in ways Bilal had not expected, but when the subject of Rohingya was broached, it changed the air in the room. Some Muslims distanced themselves; others admitted fear and sadness but refused to keep speaking. Bilal came to see Muslim communities as connected, careful, and guarded, maintaining names, food, language, and religious life while learning how not to stand out. He left resisting both tourist denial and headline simplification. Burma was not only a war zone, not only a beautiful country, and not only a forgotten extension of South Asian memory. It was all of those at once, and the connections he found could not be separated from the silences people used to survive.

Golden Gate Ventures is one of Southeast Asia’s most established early-stage venture firms, having backed companies across the region since 2011. They have invested in companies that are now household names in the region. Examples include Gojek, which started as a motorcycle taxi service in Indonesia and grew into a super app spanning payments, food delivery, and logistics, and Grab, which began as a ride-hailing service in Singapore and similarly expanded across Southeast Asia into food delivery and financial services. Jeffrey Paine is a co-founder and partner at Golden Gate Ventures. In this episode, Jeffrey joins Gregor Vand to discuss how the Southeast Asian startup ecosystem has evolved, why the regional copycat model is giving way to globally ambitious technical founders, what companies like Manus and Supabase reveal about Singapore’s emerging role in the global tech landscape, and what advice Jeffrey gives founders today who want to build something that matters beyond their home market. Sponsorship inquiries: sponsor@softwareengineeringdaily.com The post The Startup Scene in Southeast Asia appeared first on Software Engineering Daily.

The Bajau tribe, often called "sea nomads," are an indigenous group in Southeast Asia known for their incredible ability to live on the water. They spend most of their lives on boats and have adapted to free diving, holding their breath underwater for minutes at a time while hunting for fish. Their bodies have evolved with larger spleens to store more oxygen, making them natural-born divers. Many Bajau can dive up to 200 feet deep without any equipment. Though modern times have seen changes, they still hold a deep connection to the sea, living in stilt houses or houseboats. Learn more about your ad choices. Visit megaphone.fm/adchoices

Golden Gate Ventures is one of Southeast Asia’s most established early-stage venture firms, having backed companies across the region since 2011. They have invested in companies that are now household names in the region. Examples include Gojek, which started as a motorcycle taxi service in Indonesia and grew into a super app spanning payments, food delivery, and logistics, and Grab, which began as a ride-hailing service in Singapore and similarly expanded across Southeast Asia into food delivery and financial services. Jeffrey Paine is a co-founder and partner at Golden Gate Ventures. In this episode, Jeffrey joins Gregor Vand to discuss how the Southeast Asian startup ecosystem has evolved, why the regional copycat model is giving way to globally ambitious technical founders, what companies like Manus and Supabase reveal about Singapore’s emerging role in the global tech landscape, and what advice Jeffrey gives founders today who want to build something that matters beyond their home market. Sponsorship inquiries: sponsor@softwareengineeringdaily.com The post The Startup Scene in Southeast Asia appeared first on Software Engineering Daily.

Golden Gate Ventures is one of Southeast Asia’s most established early-stage venture firms, having backed companies across the region since 2011. They have invested in companies that are now household names in the region. Examples include Gojek, which started as a motorcycle taxi service in Indonesia and grew into a super app spanning payments, food delivery, and logistics, and Grab, which began as a ride-hailing service in Singapore and similarly expanded across Southeast Asia into food delivery and financial services. Jeffrey Paine is a co-founder and partner at Golden Gate Ventures. In this episode, Jeffrey joins Gregor Vand to discuss how the Southeast Asian startup ecosystem has evolved, why the regional copycat model is giving way to globally ambitious technical founders, what companies like Manus and Supabase reveal about Singapore’s emerging role in the global tech landscape, and what advice Jeffrey gives founders today who want to build something that matters beyond their home market. Sponsorship inquiries: sponsor@softwareengineeringdaily.com The post The Startup Scene in Southeast Asia appeared first on Software Engineering Daily.

Golden Gate Ventures is one of Southeast Asia’s most established early-stage venture firms, having backed companies across the region since 2011. They have invested in companies that are now household names in the region. Examples include Gojek, which started as a motorcycle taxi service in Indonesia and grew into a super app spanning payments, food delivery, and logistics, and Grab, which began as a ride-hailing service in Singapore and similarly expanded across Southeast Asia into food delivery and financial services. Jeffrey Paine is a co-founder and partner at Golden Gate Ventures. In this episode, Jeffrey joins Gregor Vand to discuss how the Southeast Asian startup ecosystem has evolved, why the regional copycat model is giving way to globally ambitious technical founders, what companies like Manus and Supabase reveal about Singapore’s emerging role in the global tech landscape, and what advice Jeffrey gives founders today who want to build something that matters beyond their home market. Sponsorship inquiries: sponsor@softwareengineeringdaily.com The post The Startup Scene in Southeast Asia appeared first on Software Engineering Daily.

Evan Smith, cofounder and CEO of Altana, was last on the show in early 2025 to talk about how Trump's first few waves of tariffs were starting to affect global trade. It was a very alarming and also very illuminating chat; Evan and I got into the existential weeds of international relations and economics almost immediately. A year and a half later, and everything is somehow even more chaotic than it was the last time Evan and I talked — and that's true about both trade and also the world of running a software company. Agentic AI, whack-a-mole tariff policy, war in Iran — we jumped right back into weeds yet again. Read the full interview transcript The Verge. Links:  How Trump's tariff chaos is already changing global trade | Decoder Skydio CEO Adam Bry on not drawing red lines for drone use | Decoder Trump imposes new global tariffs, drawing protests from trading partners | Reuters Greer: USMCA Talks Could Stretch Into Next Year | Wall Street Journal Trump hits Canada with new 50% tariffs | Associated Press Iran weaponized the Strait of Hormuz. Now neighbors are going around it | CNN The Iran war is testing Southeast Asia's faith in the US | Politico Subscribe to The Verge to access the ad-free version of Decoder! Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Decoder's producers are Kate Cox and Nick Statt. This episode was edited by Kabir Chopra. Our editorial director is Kevin McShane.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's Cruise News covers three itinerary developments across ocean and river cruising. AIDA Cruises has canceled AIDAperla's Middle East winter season, saying conditions in the region cannot be reliably assessed, and will redeploy the ship from Kiel, Germany for winter 2027-28 with Baltic, Nordic, Norwegian fjord and a 24-day Canary Islands voyage; affected guests receive a 10 percent cabin voucher. Century Cruises is bringing its river operation to Egypt in 2027 aboard the 20-suite Sunrise Terramar on the Nile, with an 11-day Treasures of the Nile itinerary and a 15-day Legends of Egypt sailing that adds a four-day Red Sea extension in Hurghada. And Uniworld Boutique River Cruises plans three new vessels for 2028 — the S.S. Helen on the Danube, the S.S. Clara on the Rhine, and Mekong Mystique in Southeast Asia — part of a seven-ship expansion that brings its fleet to 22 ships.

Dr. Thomas Kelly was a vascular surgery trainee in Melbourne before he walked away from medicine to fix the problem he hated most: paperwork stealing time from patients. Today he is co-founder and CEO of Heidi Health, an AI medical scribe and "care partner" used by clinicians in more than 100 countries, valued at US$465M after its 2025 Series B led by Point72. In this episode, Jeremy Au and Dr. Tom break down how GPT-4 nearly destroyed the company, forcing a brutal pivot from an AI model company into a product company, and how that near-death moment led to becoming one of the world's most-used healthcare AI tools. They dig into why great AI scribing is far harder than a demo, how Heidi is expanding into clinical decision support and medical-device territory, why he isn't scared of OpenAI in healthcare, and why Singapore, Japan, and the rest of Asia are core to the roadmap. A must-watch for founders, venture capitalists, and operators building AI, health tech, and vertical software across Southeast Asia. Watch, listen or read the full insight at https://www.bravesea.com/blog/heidi-health-tom-kelly  BRAVE is Southeast Asia's leading tech podcast, hosted by Jeremy Au. Honest conversations with the region's top founders, investors, and operators on building startups in Southeast Asia. New episodes every week. Subscribe so you never miss one. Listen & Subscribe YouTube (English), YouTube (Bahasa Indonesia), Spotify (English), Spotify (Bahasa Indonesia), Spotify (Chinese), Spotify (Vietnamese), Apple Podcasts Follow BRAVE LinkedIn, X (Twitter), Instagram, TikTok, WhatsApp Follow Jeremy Au LinkedIn, X / Twitter, Instagram, TikTok, Facebook, Threads, Twitch Resources Get transcripts, startup resources & community discussions at www.bravesea.com #HealthcareAI #AIScribe #FounderStory #AIinHealthcare #StartupPivot #SoutheastAsia #VentureCapital 00:00 – From vascular surgery to AI: meet Dr. Tom Kelly 01:38 – Why he became a doctor: the "platonic ideal" GP 02:55 – Maths, machine learning, and the pre-med detour 04:22 – GAMSAT YouTube videos to his first business 07:06 – Building Oscer, an early AI clinical tutor 08:58 – Why doctor paperwork is a capacity crisis 13:05 – Is an AI scribe easy or hard to build? 17:35 – From scribe to full AI care partner 18:28 – Clinical AI and medical device regulation 21:32 – Roadmap: tasks, primitives, and on-prem hardware 26:24 – Going global: Singapore, Japan, and Asia 28:50 – Localizing for Malay, Hokkien, and Singlish 32:52 – Why clinicians drive the innovation 34:21 – The GPT-4 pivot that nearly ended Heidi 37:20 – Competing with OpenAI and how to run a pivot

Legacy Insights is a new podcast series by Providend that explores what it truly takes to plan a meaningful and lasting legacy, beyond just writing a will, or engaging with a corporate trustee.In this episode, Vincent, our Executive Director & Team Lead of Advisory Team, joins Yong Cheng, our Deputy Head of Advisory Team, for a deeply personal conversation about his own legacy planning journey. He shares the difficult yet necessary conversations he has had with his children about caring for their elder brother with special needs, the hopes he has for his family, and the unspoken concerns every parent carries about the future where they are no longer around.Music courtesy of ItsWatR.The host of this episode, Loh Yong Cheng, is the Deputy Head of Advisory at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Newsletter Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Today we explore the adoption and scaling of education technology across South and Southeast Asia. My guests are Molly Wyss and Brad Olsen. Molly Wyss is an assistant project director at the Centre for Universal Education in the Global Economy and Development Program at Brookings, where Brad Olsen is a Senior Fellow. There new report is entitled From Access to Impact: Government Decisionmaking and Scaling of EdTech in South and Southeast Asia. freshedpodcast.com/wyss-olsen -- Get in touch! LinkedIn: @FreshEdpodcast Facebook: FreshEd Email: info@freshedpodcast.com

The global middle class has surpassed 4.4 billion people and now accounts for more than two-thirds of global consumer spending. Over the next decade, the centre of gravity of economic growth is expected to shift towards India, Southeast Asia and Latin America as hundreds of millions more people emerge into the middle class. In this episode, Bryce and Ren unpack the structural forces behind this shift, the industries set to benefit, the risks investors should watch, and the companies and ETFs offering exposure to one of the decade's biggest investment themes.In this episode:00:00 Why the emerging middle class matters now01:38 How the global middle class is defined03:34 India: The next engine of middle class growth06:28 Southeast Asia's economic transformation10:30 Latin America's opportunity and challenges12:18 Where the money will be spent18:54 The biggest risks to the theme23:55 Companies to watch across emerging markets35:43 ETFs and final investment takeawaysStocks & ETFs Mentioned: Mastercard (NYSE: MA), Visa (NYSE: V), Reliance Industries (NSE: RELIANCE), HDFC Bank (NYSE: HDB), Grab Holdings (NASDAQ: GRAB), Sea Limited (NYSE: SE), Mercado Libre (NASDAQ: MELI), Nu Holdings (NYSE: NU), Unilever (LSE: ULVR), Nestlé (SWX: NESN), Procter & Gamble (NYSE: PG), Colgate-Palmolive (NYSE: CL), Diageo (LSE: DGE), Standard Chartered (LSE: STAN), Tencent (HKEX: 0700), Samsung Electronics (KRX: 005930), SK Hynix (KRX: 000660), Taiwan Semiconductor Manufacturing Company (NYSE: TSM), Vale (NYSE: VALE), Petrobras (NYSE: PBR), Betashares Asia Technology Tigers ETF (ASX: ASIA), Betashares Emerging Markets ETF (ASX: BEMG), Vanguard FTSE Emerging Markets Shares ETF (ASX: VGE), iShares MSCI Emerging Markets ETF (ASX: IEM), iShares Latin America 40 ETF (NYSEARCA: ILF)This episode of Equity Mates - The Decade Ahead is brought to you by ANZ Business Start Right https://www.anz.com.au/business/business-hub/starting-business/start-right/———Basis Points: Investing in India's Future – with Mugunthan Siva of India Avenue | https://equitymates.com/episode/basis-points-investing-in-indias-future-with-mugunthan-siva-of-india-avenue/———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———This podcast is intended for education and entertainment purposes only. Any advice is general advice and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If unsure, speak to a financial professional. The host of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares Group but maintains editorial independence and operates under Australian Financial Services licence 540697. Hosted on Acast. See acast.com/privacy for more information.

Download Cash App Today: Wartime Stories - Cash App #CashAppPod As a Cash App partner, I may earn a commission when you sign up for a Cash App account. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Bitcoin services provided by Block, Inc. For additional information, see the Bitcoin disclosures. If you're ever injured in an accident, you can check out Morgan & Morgan. You can start your claim in just a click without having to leave your couch: forthepeople.com/wartimestories #sponsored Strange encounters have been reported by military personnel for generations, often in some of the most isolated and unforgiving places on Earth. Whether dismissed as folklore, exhaustion, or something far more difficult to explain, many of these witnesses have never forgotten what they saw. In this episode, we examine firsthand accounts from servicemembers stationed across North America, Europe, Southeast Asia, and the Middle East who describe unsettling encounters with pale humanoid figures, animal-like creatures, and other unexplained beings. From stories resembling skinwalkers, pale crawlers, gnomes, and aswang legends to bizarre encounters that defy easy explanation, these are the experiences that continued to haunt those who lived through them. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on This Week in AML, Elliot Berman and Joe McNamara examine a series of reports and regulatory updates highlighting the growing sophistication of global financial crime. The discussion begins with a new United Nations Office on Drugs and Crime (UNODC) threat assessment that details how Southeast Asia has become a hub for interconnected criminal ecosystems, with organized crime groups increasingly offering “fraud as a service” at enterprise scale. Elliot and Joe explore how criminal organizations are evolving from trafficking goods to operating highly sophisticated criminal services businesses. They also discuss FATF's latest targeted update on virtual assets and VASPs, including concerns about stablecoins, regulatory gaps, and ongoing challenges in implementing the Travel Rule across jurisdictions. The conversation highlights how organized crime networks are leveraging crypto assets to move illicit funds globally. The episode then turns to new guidance from the Wolfsberg Group on managing risks associated with non-bank payment service providers, AMLA's growing focus on vulnerabilities in the non-financial sector, and ongoing concerns about real estate as a money-laundering vehicle.

China posted a record $1.2 trillion global trade surplus in 2025, and its export machine is still accelerating. From electric vehicles and batteries to electronics and household goods, Chinese products are pouring into markets across Europe, Southeast Asia, Africa, and Latin America.Consumers may welcome better products at lower prices, but what happens when local manufacturers cannot compete, workers lose their jobs, and countries become dependent on Beijing for essential goods?This week, co-hosts Ray Powell and Jim Carouso welcome Wendy Cutler, Senior Vice President of the Asia Society Policy Institute and a former U.S. trade negotiator who spent nearly three decades at the Office of the U.S. Trade Representative.Wendy explains how government support allows Chinese companies to keep producing even when markets are saturated. Beijing rejects the idea that it has an overcapacity problem, and Wendy argues that negotiations cannot succeed when the two sides cannot even agree that a problem exists. Her solution is a coordinated response by the major economies receiving these exports.In this episode:How China's industrial policies help its companies outlast foreign competitorsWhy U.S. tariffs redirected Chinese exports toward Europe and Southeast Asia instead of slowing them downHow cheap imports can destroy local businesses, eliminate jobs, and create dangerous dependenciesWhy the U.S., Europe, Japan, Korea, Australia and Southeast Asia must act together to change Beijing's calculationsHow China weaponizes its control of critical minerals, rare earths, and permanent magnetsWhy Washington's tariffs against allies could undermine the coalition it needsHow developing economies can defend local industries without losing access to the Chinese marketWhether the fragile U.S.-China trade truce can survive as both sides test its limitsWhy today's low prices could become tomorrow's strategic vulnerabilitiesWendy's candid reflections on three decades at the negotiating tableSubscribe for your weekly Indo-Pacific briefing.Follow Wendy Cutler on at the Asia Society Policy Institute, on LinkedIn or on X, @wendyscutlerFollow us on X, @IndoPacPodcast, LinkedIn or FacebookFollow Ray Powell on X, @GordianKnotRay, or LinkedIn, or check out his maritime transparency work at SeaLightFollow Jim Carouso on LinkedInSponsored by BowerGroupAsia, a strategic advisory firm that specializes in the Indo-Pacific

Dr. Gene Cole is Director of Research for LRC Indoor Testing & Research, Cary, NC; and formerly Professor of Environmental Health Sciences at Brigham Young University, Provo, UT. He has 35 years of research experience, with a primary focus on the ecology of indoor and work environments, with special emphasis on identification and reduction of pollutant reservoirs and sources, bioaerosols, human exposure assessment and control, product evaluation, cleaning and restoration, mold and sewage remediation, and biocides. Since 2000, he has continued to conduct research on the relationship between the use of antibacterial cleaning and hygiene products in the home, and antibiotic resistance; as well as on the effectiveness of cleaning to reduce the transmission of disease agents in schools. He has also worked with national and international organizations to address environmental health and infectious disease concerns such as medical waste management in Central Europe and South East Asia, hygiene promotion in Africa, and healthy homes and buildings in the U.S. and Asia. Dr. Cole is a member of the Scientific Advisory Council of the Cleaning Industry Research Institute (CIRI), and a Fellow of the American Industrial Hygiene Association. He holds a Master of Science in Public Health Microbiology and a Doctor of Public Health in Biohazard Science and Occupational Health, both from the University of North Carolina at Chapel Hill.

For a limited time only, new customers get 20% off + free shipping at blueprint.bryanjohnson.com by using code WARTIMESTORIES at checkout. #Blueprint #ad A compilation of some of our strangest humanoid encounter stories, featuring firsthand accounts from servicemembers who reported talking animals, pale, lanky figures and humanoid creatures in remote locations around the world. From alleged skinwalkers and pale crawlers in North America and Europe, blood sucking creatures in Southeast Asia, and other unnatural beings reported in the Middle East, these encounters never made the official reports, but remain in the minds of the servicemen who saw them and continue to defy easy explanation long after the witnesses returned home. Learn more about your ad choices. Visit megaphone.fm/adchoices

For a limited time only, new customers get 20% off + free shipping at ⁠blueprint.bryanjohnson.com⁠ by using code WARTIMESTORIES at checkout. #Blueprint #ad A compilation of some of our strangest humanoid encounter stories, featuring firsthand accounts from servicemembers who reported talking animals, pale, lanky figures and humanoid creatures in remote locations around the world. From alleged skinwalkers and pale crawlers in North America and Europe, blood sucking creatures in Southeast Asia, and other unnatural beings reported in the Middle East, these encounters never made the official reports, but remain in the minds of the servicemen who saw them and continue to defy easy explanation long after the witnesses returned home. Learn more about your ad choices. Visit megaphone.fm/adchoices

New 25% US tariffs on selected Brazilian imports are raising trade tensions. What impact could they have on Brazil's economy?Also in the programme Malaysia's ambition to become Southeast Asia's next data centre powerhouse. And why a campaign encouraging Japanese office workers to wear shorts is causing controversy. Presenter: Gideon Long Producer: Barbara George Editor: Naomi Rainey.

Keith explores how investors can build legacy wealth by owning productive teak timber and the land beneath it in Panama.  Mike Cobb, an international real estate developer with over 30 years of experience, explains why Panama's legal framework, economic stability, and U.S. dollar economy make it a compelling destination for first-time offshore investors.  They discuss the long-term return profile of teak, its resilience as a hard asset, and common mistakes to avoid when investing internationally, along with how a sawmill and vertical integration can enhance returns.  This discussion highlights how the strategy can diversify both geography and asset type while also opening doors to potential residency options abroad. Episode Page: GetRichEducation.com/615 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold, talking about a legacy investment. You can profit from this real asset long term, and so can your heirs. It's real estate, but not housing. It's a diverse and more primitive use type. Today on Get Rich Education, you know. Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach. For nine years now, their CEO Terry Kerr and his COO Pat Mix have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one-on-one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to DanielThomashind.com. H-I-N-D. That's DanielThomashind.com, and sign up before spots fill.   Keith Weinhold  1:35   What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Speaker 1  2:08   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:24   Welcome to GRE from Cherokee, North Carolina, to Cherokee, Panama, and across 188 nations worldwide. I'm your host Keith Weinhold. Welcome back to another Wealth Building Week. You are inside Get Rich Education, where financially free beats debt free. Today we're talking about a specific investment that is not residential real estate. In fact, it's a more primordial real estate type that predates housing. So therefore, it is lucid and intelligible. It's easy to understand. Sort of the opposite of more arcane investment like AI data centers or crypto mining. At a basic level, this makes it easy to understand, and there aren't any tenants to manage. It also does not pay you as often as monthly, though as you'll learn, there is income and appreciation is expected too. Now, if you invest outside your home country, you're probably going to want to be diligent and select a politically stable nation that also has an operator based in that region with a fantastic track record. It helps if they're close to the U.S. This small nation is close to the U.S. in both geographic proximity and economically. Their currency is even the U.S. dollar. They even share an electrical system with the U.S. with the same outlets and voltages. As you might be guessing, where I'm talking about, this nation also has a consumer culture somewhat similar to the U.S. with American restaurants and retailers and brands in our real estate world. What we find more important is how, like the U.S. this nation is a constitutional presidential republic, and both nations have these separate executive, legislative, and judicial branches, the three branches and elected presidents, in these competitive multi-party elections, and both America and this place have market-oriented economies that emphasize private property and private enterprise, banking and financial services, international commerce, logistics, ports, and aviation.   Keith Weinhold  4:49   Today, we're talking about the opportunity for you to own productive timber and the land beneath it, teak hardwood trees in Panama, a quarter-acre parcel. At a time with your name on the deed, that direct ownership is known as fee simple ownership. I have directly invested in Panama for about 11 years myself. Now, though teak might be able to survive in a climate like Hawaii, mere survival is not enough in the U.S. It is difficult to impossible to find anywhere that grows productive plantation teak. Here in the late 2020s decade, we've had bouts of El Nino or La Nina a lot of places in the world, and that has severely weakened some crop types. Other providers of different agricultural investments are failing, but not this teak. They're resilient, and we'll get into the physical properties of the teak. I'm going to ask today's distinguished guest about that. He and his business partners planted some select timber 27 years ago, and they've been offering teak hardware parcels to investors for that long, 27 years, and for about the last 10 years to GRE investors. Hundreds of you are participating now, but I'm going to wait to ask more about the physical teak product itself until later, because what's more important are the investment environment and the strength of the operator. So learn more about this and what the projected investment returns are, and just how much exactly does a quarter-acre parcel of teak cost? If you so choose, owning teak parcels also gives you the option of residency status in Panama, and you only need to spend two days there every two years in part of maintaining that status, they offer investor in-person tours of the teak plantations too because they're proud of what they do there. I expect a fascinating discussion with Mike, the teak company co-founder and CEO. This week's guest has become a friend since I met him about 10 years ago. He co-founded and is CEO of an international real estate development company. He's got active projects throughout Central America. He's been doing it for more than 30 years, so he's not a tinkerer and not trying out project concepts.   Keith Weinhold  7:26   And at this point, he's helped thousands of North Americans diversify their portfolios through international real estate ownership and residency planning, and even lifestyle investing. And if you've ever attended an investment conference on something like global diversification. You might have seen him speak there because he's such a frequent, recognized speaker and voice, and he's authored multiple books on real estate, financial freedom, expat living, and just unlocking a better lifestyle. Hey, welcome back onto the show, Mike Cobb.   Mike Cobb  7:59   Oh Keith, nice to be with you. And you're right. 10 years, we've enjoyed one another's company at many conferences. It's always great to be back with you virtually. I look forward to seeing you again personally one of these days as well. And yeah, thank you for the very kind words on the intro.   Keith Weinhold  8:14   Yeah, if I'm teetering on whether or not to attend a conference, I ask myself, is Mike going to be there? That's right.   Mike Cobb  8:20   We'll hang out,   Keith Weinhold  8:22   100% And you know, Mike, he's also an avid reader of GRE's "Don't Quit Your Daydream" newsletter. So then, clearly, he's even smarter than you've ever thought. You heard him on the show before, so you knew he was smart, but now he's even smarter than you ever knew since he's a reader. Tell us what you like about the newsletter.   Mike Cobb  8:40   You know, Keith. I gotta say, every issue that comes in, I read it. By the way, today's issue said read before Thursday, so you give me a couple days tomorrow at least to read it. Anyway, no, you know what? You are so powerfully succinct. The charts that you put in are wonderful. You were a geographer major, and and so spatial things are important. I also recognize. I love the charts. I love the graphs, and I hate to even say I love sort of the I hate to call it the trivial information, but you know enough data points that seem trivial when you put a theory around them actually become meaningful. And what you are able to do is you're able to connect dots that most people don't connect. That's the hallmark of genius, and I think you are a genius, by the way. And I think your newsletter shows that. And so, thanks for putting it out. Your readers are very, very fortunate to have you there, giving them the kinds of information that are super relevant in the marketplace at one level and on a specific level. But even more important, creating the theoretical constructs that allow them to understand the why of something's happening because you know if you understand the why of something you know it makes a lot more sense first of all but it also allows us to maybe forecast the next what coming down the pike and if we can be on the front edge of something or you know being able to look over the hill or around the bend that's. Powerful in the marketplace, and and you bring that power to your readers. Well done, man.   Keith Weinhold  10:04   Thanks. Yeah, it's not just what; it's why this matters. And that was an incredibly kind thing to say. I write every word of the letter myself, and you, the listener, you can get the letter free now@greletter.com I send it about weekly, and Mike, I know that U.S. investors, including some Get Rich Education followers, they've been increasingly looking offshore for one thing many perceive the political risk has palpably higher than it was a few years ago. So, just broadly, tell us more about what North American investors seem to be looking for.   Mike Cobb  10:42   Sure, I summed it up earlier today. I was talking with a conference organizer, and he was really giving me the hard sell on why I should come to his conference. And it's probably not a good fit. But I heard myself say it for the first time. What we really help folks do in certain spheres, but maybe in this sphere, is help people get a good night's sleep, you know, peace of mind, right? And when you've got the political turmoil, you wrote an article or a newsletter a couple weeks ago, and it was about inflation, the kinds of things that were happening, and it was so spot on. And I think your readers, and not just your readers, but people who are tuned into what's really happening from a political standpoint, a financial standpoint. There is no way you can print this much money. There's no way you can have these kinds of things going on all the time that create a huge run-up of debt, right? And it's not even the debt; it's the implications of the debt. What's going to happen next? How's this thing going to unwind, right? And so when you have all of this stuff going on. You have people who are really, really worried about their future. It's a financial future. I say there are two train wrecks. There's a train wreck of debt, which is what I just talked about, and there's a train wreck of freedom. And that train wreck of freedom is really, in some ways, a result of the train wreck of debt. But when you've got a train wreck or two train wrecks happening, we really have three choices. We can ride it out, right? Take the ride and go for the crash, right? We can do something about it, but we really have to do something about it before. I'm going to mix a metaphor here, but if you know a hurricane's coming in three or four days, you don't wait till the wind's blowing 150 miles an hour to put up the plywood, right? You get out there while the sun's still shining. You put up the plywood, and then when the hurricane hits, like you got plywood over the windows, and you can ride out the storm. And this is where I think so many people are today. They're recognizing this hurricane is coming. The problem is, is that I don't think people always know where to go get plywood, right? What do I do? How do I protect myself and my assets, right?   Mike Cobb  12:38   And what this conversation right here is about is here's one kind of plywood you can put up on your window and the diversification overseas the diversification internationally into a hard asset that is not really inflation proof because I'm not sure there is such a thing but largely inflation proof or a big a great hedge against inflation real stuff hard assets real estate timber commodity right this is. what so many people are now looking at, and then the other piece of it is you can layer in a residency, which starts to give you that political plan B. You've got an economic plan B, kind of the hedge against inflation, but you've got this residency component that gives you sort of a hedge against the political uncertainty, and 1000s of folks have moved in this direction. Several 100, I think it's about 600 folks now, have picked up the residency as part of their timber investment as well. So a lot of different things going on, but I think they do circle all the way back to this train wreck of debt and a train wreck of freedom, the political divisiveness kind of what's happening.   Keith Weinhold  13:40   Now, what if someone hasn't invested in a hard asset overseas before, Mike? I'm thinking some people might come ask you. You know, why would I do this? For example, I live in the United States, where we have a rule of law and stable, mature markets and high property ownership rights. So, why should I look to diversify internationally with hard assets,   Mike Cobb  14:01   yeah, I think there's a general answer, and then maybe a couple specific answers. Generally, you know, I would never bet against the U.S. the U.S. economy. We're the largest economy in the world. I would never bet against it, right? But I think that for prudence, we would all want to have at least another basket for a few of our eggs: 5% 10% 20% Pick. Pick a number that's comfortable, but have some of your investable net worth outside your home country. Like that's just prudent, right? Why would you have everything all in one basket? And so we see that as a general answer. Specifically, a country like Panama, where we do have artique plantations, they have public title escritora publica. It's fee simple title, but in the civil law, so it's called escritora publica. The rule of law is strong in Panama. And then the other thing about Panama that I absolutely love is you have the canal, and the canal provides both economic stability and political stability. On the economic side, it generates just. Under $5 billion a year of cash flow, year in year out, right? So just it's like an ATM machine for a country with a population of about 4 million people. Do the math on that; like that's a huge amount of money on a per capita basis, right?   Keith Weinhold  15:13   Narrow water passages have really been newsworthy for a long time now, too.   Mike Cobb  15:16   Well, they have, and just like the Strait of Hormuz, right? You know, people sometimes go. I hear it said, "Oh, the canal is a vital strategic U.S. interest. That is absolutely 100% correct. But if you're a country that produces any goods that ship, or you're a country that receives any goods by ship, that canal is a strategic interest to you, and by definition, that's every country in the world. Every country in the world wants that canal open and transiting, right? Because everybody either produces or receives or both, right? And so you've got the political stability element as well as the economic stability element. You've got the rule of law. Panama is a great, great place for that person who you mentioned who's never done an overseas investment, never gone offshore, right? What's an easy place to start? What's one of the safest places to start is Panama, and it's in this hemisphere too, so it's close. I mean, you can get there for three hours from Miami, three and a half hours from Houston. Flights all over to U.S. Canada. It's easy. So I think a lot of folks see Panama as a very, very easy way to make that first step overseas.   Keith Weinhold  16:25   I happen to know that you just flew in from Panama. You're in the United States today, but you're constantly going to Central America. You span time zones more often than almost anyone I know. You mentioned fee simple ownership in there. For those that don't know, I think of that as direct ownership, where you don't have some weird administrative government layer in there that can dilute your hard asset.   Mike Cobb  16:47   Right, you can own it in your own name, you can own it in a corporation, so it's easy to own it. But yeah, no layering, right? By the way, the Constitution treats owners who are Panamanian the same exact ways it treats all foreign owners, and actually, we do business all over Central America. The one thing that we look for is a a legal regime that protects foreigners and foreign investors the same as it does domestic. Panama does that.   Keith Weinhold  17:12   Yeah, so investing in hard asset in Panama is a bit like investing internationally with training wheels on, due to its close relationship with the United States bolstered by the Panama Canal, but yet if someone hasn't invested internationally first, there are still a few mistakes to avoid. Maybe things that one isn't aware of. Can you tell us more about that?    Mike Cobb  17:33   The biggest danger people have when they make their first foreign investment is what I call margarita madness, right? And a lot of times it happens. You're on vacation in Cancun. You're having the time of your life. You're you just went parasailing, whatever. You're walking down the beach, and some developer says, "Hey, come on up here and take a look at my condo project. You know, and we'll buy you dinner at Senior Frogs tonight. We'll give you a coupon or whatever, right?   Keith Weinhold  17:55   Right.   Mike Cobb  17:55   And a lot of people do that, and then later that night, that's Senior Frogs. They're celebrating the condo they just bought, right? I mean, it's not how we transact real estate in the U.S. and Canada. There's a due diligence process. There's a due diligence period. It takes weeks or months to transact on a property, not hours, right? And so the single biggest mistake is that, and the way that we really can resolve it. I mean, my book is all about this. In fact, you have a copy, and I think you've helped some of your your readers and listeners get copies as well. It's called "How to Buy Your Home Overseas and Get It Right the First Time, and it really boils down to three simple principles: buy what you see. Is it there? Right. Own community. Right. Make sure it's in a place where you have people around. Right? Because there are a lot of ghost towns out there, and then know the developer. Do your due diligence on the developer himself, right? So you've got these three principles, and if you follow those three principles, you could do a lot better. But I actually think there's even a better way, and it has to do with character. It has to do with us, and you know when we move to the developing world, anywhere outside of you know North America, Northern Europe, maybe Australia, New Zealand, right? We're moving from the land of seller beware, right? Think lemon laws, think Ralph Nader, think advocacy groups, you know, lots of laws and regulations that control the seller, to the world of buyer beware, where none of those laws exist, and so now you're on your own. And because we've been living and transacting our whole lives in a seller beware environment, in a bubble of protection, we're protected by the government, right? We think we are. We'll just say that anyway. But we're protected. We're in a bubble, and we move to the land of buyer beware.   Mike Cobb  19:38   The problem is we don't really know how to transact. We don't know the right questions to ask, and our single biggest advantage, our single biggest attribute or asset that we have, is actually humility, because we don't know what we don't know, and we have to forget what we think we know. Assumptions, right? We can't bring assumptions with us that hold true. Some do some. Don't right. If we approach a transaction overseas with humility, there are no dumb questions. I'm going to ask every question I can think of. I'm going to do as much research as I can within a limited period of time. I'm not going to not analysis to paralysis forever. I'm going to say, look, I'm going to spend the next 30 days. I'm going to do a ton of due diligence, and at the end of 30 days, if I like what I say, I'm going to transact, right? So you're you're not getting the deer in the headlights never to do something, right? But you know, several weeks, maybe a month or two, depending on what it is you're doing, is enough time to do really, really good due diligence. Ask all the questions you can think of, but approach it with humility. And when we do those things, we transact so much, so much better than if we just rush into it with Margarita Madness.   Keith Weinhold  20:44   Right? People get caught up in those emotions with Margarita Madness and end up with a timeshare that they can't get rid of, or something like that. You said something so interesting there, Mike. When you move from the developed world to the developing world, you move from a seller beware world, like with some of the things you have to be aware of, and like you need to give disclosures and such into a buyer beware world. I hadn't thought of it that way before.   Mike Cobb  21:08   Yeah, and really, a lot of my book and a lot of the presentations that I've given, you've seen me give over the years, really deal with what I call a change in thought process. Because mostly in presentations, right? My goal in a presentation is to help somebody change how they think, to take away the bubble and understand that they're on their own, right? It's not really their own. They have you, they have me, they have other resources, right? But they don't have this bubble of government or regulations or laws out there protecting them anymore. Now it's the individual, and as an individual, I don't want to be rugged individual. I want to find other people that can help me, right? But I have to do that as opposed to it's just there for me, right? So if I can help people change how they think, they will transact so much better. They'll make better investments. They'll make investments that work for them in ways that they want them to work for them, right? They'll achieve the goal or the dream in a much, much, much higher percentage of the cases,   Keith Weinhold  22:04   we're talking about investing antique tree hardwood plantations, principally in Panama, like you mentioned, and we're talking about one mindset about crossing borders with our investing, and another is oftentimes, at least for GRE listeners, we're crossing asset use type because we're so used to residential rental housing. So when you cross into agriculture or forestry, I guess as it is with teak, what are some of the bridges to cross there as we change use type?    Mike Cobb  22:35   The reason I love timber generally and teak specifically in Panama in this case is that most people, most people, and I hope that many of your readers aren't most people. Most investors look at 20-five years and they simply say themselves, "No way, no way. And I love that because right now teak timber is being cut down 10 to 12 times faster than anyone is replanting it. And the reason people don't replant it is because most average investors come along and say, "Oh, it's 25 years. I can't wait 25 years. Well, you know what? Good, because the folks who do decide to move ahead and plant the teak, what that means is the price of teak is very highly likely to continue to increase in value far beyond inflation. Teak wholesale teak prices have gone up five and a half percent a year on average for the last 50-three years. I think that number is going to increase largely because there's this huge psychological barrier. People think, "Oh, 20-five years, but back in 1990-eight I bought 100-acre cattle pasture in Panama, and we had a professional forestry company plant it and maintain it for the last now 27 years, and two two and a half years ago, we started building a sawmill. Our sawmill is up and running. In fact, was just down there and brought back one of our first retail products. We're producing lumber. Our first container of lumber is headed out to a distributor in Colorado next week.   Keith Weinhold  23:56   Mike's holding up a nice cutting board for those in the audience.   Mike Cobb  24:00   Nice cutting board. We're setting up an e-commerce site. We're going business to consumer with cutting board, bath mat, shelving, tables, chairs. We have our whole production facility ramping up with new retail products. So the bottom line is, is yeah, man, it does take 25 years. You know.   Keith Weinhold  24:15   The lantation to harvest cycle. That's the 25 year span you're talking about here. The patience it takes for an investor.   Mike Cobb  24:21   Thank you. Yes, absolutely. And then, as we cut down this mature plantation that we we are now harvesting right now, it gets replanted, and the next 25 year harvest. I'm 61 Maybe I'll make 86 I don't know. Maybe not. Right. But my kids probably will, and they'll get the big harvest in 25 years, and then it'll replant, and maybe they'll get a next one, or maybe it'll be the grandkids, right? And so what we found savvy investors, people who are really not your average bear, right? And they think to themselves, how can I create generational wealth stewardship? I have enough money coming in. I mean, Keith, that the I mean, you can own teak for 10 grand. You can. Own a quarter acre of teak. You own the land. You own the trees. 10 grand, like it's 9000 something or other, but 10 grand, right? I mean, the bottom line is it's such an affordable, easy investment, right? And it turns into well over $100,000 in today's numbers. Who knows what inflation? But in today's numbers, buying power, you know, 10,000 turns into 100,000 right? Over 20-five years, and so most people who do this recognize the fact that they might get the first harvest, but it's their kids, their grandkids, their great grandkids who are going to get this harvest every 20-five years thereafter. And so the 20-five year thing becomes a wonderful thing, not a bad thing. Right, it keeps many people out, which keeps the price of teak high and growing, which we like. But it also creates this cash flow period. People go, "Oh, it doesn't cash flow. I'm like, "Absolutely, it does. It cash flows phenomenally four times a century. Like you have an internal rate of return of almost 11% 10 point something, right? You have an internal rate of return of 11% and it cash flows four times a century. This is a phenomenal cash flow investment. You might get to see the first one or the second one, but you're probably not seeing three or four. But somebody else in your lineage, your family, your heirs will see it, and they will all be so happy you made that decision to own teak.   Keith Weinhold  26:22   We're talking about the ability for you to own teak parcels and the land beneath it, title in your own name, one quarter of an acre at a time. We're going to talk more about that with Mike when we come back. You're listening to Get Rich Education. I'm your host Keith Weinhold. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now mom and pop landlords can 721 their residential real estate. Request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre.   Keith Weinhold  27:09   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866 That's family to 66866.   Ken McElroy  28:12   This is Rich Dad advisor Ken McElroy. Listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  28:29   Welcome back to Get Rich Education. We're talking about international investing with teak tree plantations. This isn't something experimental. We're not talking about a tinkerer here. You have to be more careful when you go overseas, and we're talking about with the owner of an international company that's been doing this for 30 years, providing international investments. But the teak tree plantation, I think, began in 1998 or 1999 Is that right?   Mike Cobb  28:56   Yeah, 98 was the purchase of the property, and in the rainy season of 99 we planted the first 100 acres. Yep.   Keith Weinhold  29:03   Yeah. Well, talk to us more about that because you talked to us about how historically teak appreciates at about 5% per year. Tell us about how we get to that 11% internal rate of return.   Mike Cobb  29:15   Yeah. Sure. I mean, so two things. One, you've got the five and a half percent a year kind of calculated out over a very long period of time, 50-three years. So that's a pretty good statistical baseline. And then the fact that your trees actually physically grow, right? I mean, back in 2008 my joke is from 2008 to 2012 While the rest of us in real estate were hating life, my trees just simply kept growing, right? They just kept growing. And so what you start off with is about 100 maybe 110, I think, trees on a quarter acre, and in the end, after all the thinnings, you end up with somewhere between 22 and 25 trees per quarter acre, and each of those trees produces about 1.2 to 1.6 cubic meters of timber. For lumber, by the way, one of the things that we are working on, and you know, look at the end of the day, you had a walk, jog, run, right? And we're in the walk stage right now, but we're harvesting out all of the other elements of the teak tree. Your lumber piece, that just you know, sell it as boards, you know, one by fours, one by sixes, one by eights, whatever it is. Ship that stuff off. That's your 1.2 to 1.6 cubic meters, but you've got other pieces of the tree. You've got stuff that's too thin, the root stock that can be turned into other things, including cellucrete with cellulose, the ground up, the sawdust itself. We're saving all the sawdust. We're going to use that for cellulite. This is the math on this. Our investors get 80% of the net proceeds after processing costs, which is 15% my company gets 20% and so we, my company, has the highest incentive to drive the highest possible return to the investor possible because I get 20% of whatever I make for the investor, and so all the numbers we use are always the net investor number, right? And we have a business plan. All the numbers are laid out. It's all there, and it's pretty easy to see how the IRR gets up. About I think it's 10.6, 10.7% I can't remember. Just under 11% but it's all in the business plan, Keith. And again, this is part of that due diligence process, right? Get a copy of the business plan. Get on the phone with one of our property consultants maybe take a trip to Panama. I just got back. We just took a group of people. Yeah, we got tours. Yeah, we have tours, and so like as part of the due diligence process, come visit, come see the trees, come see the sawmill. Right? If it's something that makes sense from a an investment standpoint, yeah, the material, the facts, and the due diligence is all there for people to be able to pick up and do over a you know several week period, you know 30 days, 60 days, 90 days, whatever it is.   Keith Weinhold  31:47   Well, let's back up because seemingly you have had really good prescience. Because when we look at world agriculture today, we see some problems. Whether some people want to call it erratic weather, other want to call it climate change, and how that's really ravaged some crops and created disruptions in certain produce. Or with coffee, you know, we've also got a cattle production problem, for example. But you've chosen something that's been really resilient. Tell us more about that resilience and just why teak of all crops and forestry.   Mike Cobb  32:22   Let me start by saying, who was it? Yogi Berra says, you know, predicting is hard to do, especially when it's about the future or something. Exactly. Yeah. Right. But I mean, look, we're talking about the future. I mean, who the heck knows, right? I mean, that's what makes it investing rather than you know something else. But teak has been grown in plantations for almost 400 years. It was started by the British in India, what was then Burman throughout Southeast Asia. And one of the things the Brits did so so well is they documented everything. They had statisticians keeping track of altitude, rainfall, soil types, different stock. I mean, just anything and everything that you could imagine, and so by the early 1900s, some of the best books about teak and teak plantation farming was written. I actually read those books in order to interview the forestry management companies in Panama that we would hire them to manage our plantation, because I don't know anything about it, right? But I wanted to be prepared to do the interviews, so I was. What amazed and fascinated me was this incredible track record of production for almost 400 years of teak as a commodity in the marketplace, and then for the last 50 years, 53 years, you know, seeing what's happened to the price of teak in that time period. Look, nobody can predict the future. Weather patterns change. Teak as a species, is very very resilient. You know, the highest quality teak is grown in very specific conditions, and the Darien province of Panama has exactly the conditions to produce the highest quality teak. If those conditions change, maybe the quality of the teak goes down. Maybe the quality of the teak goes up a little bit. Who knows, right? I mean, at the end of the day, we don't control weather. We don't control weather patterns. We don't control the future. But that thing goes back to the idea of diversification. Like, how can we mitigate against the future? I think we do that by just simply broad diversification. And if we have all of our assets and stocks, bonds, and rental real estate, we're pretty concentrated, especially if it's all in the United States, right? Our home country, for example, and so some diversification into other sectors probably makes sense. I know it makes sense for me because I think that's my way of hedging against the uncertainties of the future.   Keith Weinhold  34:37   Let's talk about the tree quality and then the sawmill, because some people don't understand that teak really has pretty special properties that maple or black cherry or oak doesn't have.   Mike Cobb  34:47   It does. It has a very very high oil content and it has a hardness that makes it extremely resistant to rot fungus, which is why it's used in the marine environment. If you look at Chris Craft. Boats or yachts. You always hear about teak, teak, teak. Teak is used in maritime environments because it holds up to the salt water-not just salt water-holds up to water, but even more so, salt water and the environment, which makes it unique. And so, even if you don't treat teak, right, you just leave it out. It turns gray, but it doesn't rot. And then you can come back. You can you know sand it and varnish it and turn it into that beautiful, rich color. It's a beautiful, beautiful wood. It's funny because it has furniture uses, outdoor furniture, patio furniture, things like that, decking. But now they're starting to use it in hardwood floors. They're using it in gates and fences and soffit materials. Again, outdoor uses, but it can be used indoors as well for very very fine furniture, which at the end of the day teak has a panache that a lot of these other woods don't have. Mahogany is certainly one mahogany. The thing about mahogany is it's softer, right? It's a softer wood. It carries some qualities in terms of the grains and the colors that make it a a very favorable product for cabinetry and other things. We actually looked at mahogany as a species to possibly grow, and it's about a 30-five to 40-year harvest cycle. And so, when we looked at that, we said, you know, we can get our heads around 20-five, and and maybe someday we will do some mahogany plantations as well. But for now, we we started with teak. Actually, when we did the analysis, I don't know if this is still true, but 27, 28 years ago, when I did the initial research and analysis, it had the best time value of money ROI.   Keith Weinhold  36:29   Ah, that's the first time I learned that. And some of these durability properties that you've been talking about really go back to my earlier question about how some more sensitive crops have been ravaged lately.   Mike Cobb  36:39   Yeah, it holds up very very well to the environment. By the way, it'll do well in pretty much everything but desert, right? If it rains too much, the teak will grow faster. Actually, it produces a less quality. The quality of the teak is less. If so, if panama's rain system changed and it started raining every day of the year, where we have it growing, teak trees would grow wonderfully. The quality of the teak would be lower, right? Still, be teak. It'd still be valuable, but not as valuable in the marketplace. So.   Keith Weinhold  37:08   Now you've been here to talk about teak before, but something that you added a few years ago was a sawmill to really bring some vertical integration there. And now you're not at the mercy, perhaps, of the price that you would need to sell to a lumberyard. Can you tell us more about how it's going with that?   Mike Cobb  37:22   Yeah, absolutely. Well, the bottom line is, is because we earn 20% of what we earn for the investor on their wood, our goal is to sell it for as high a possible price. And lumber does pretty well. I mean, you can sell logs. Let's just start there. You can cut the trees and sell the logs for X. You can turn the logs into lumber and sell it for you know whatever 578 x. You can turn it into things like cutting board, chairs, tables, a finished product, and there you're talking about you know not just five to 7x You're talking about another 10x on top of that. So that's like 30x right? I mean it's an incredible difference. So from log to finished product, it's about a 30 times differential in what you ultimately achieve out of the marketplace for return. Right now it takes longer to do it. There's more work involved, but at the end of the day, because you make more of the investor, we make more. Some of the teak is going to go out as finished product, and so we get a blended return of lumber. We don't do logs, but we're going to have a blended return of lumber and finished product that will push that yield up maybe higher than we've anticipated, which would be just fine with everybody.    Keith Weinhold  38:30   ll right, all right. Diversifying your exit, then. Well, before we learn about how we can get a hold of more information, is there any last thing that we should know about investing across international lines into teak, maybe something that I didn't think about asking you, Mike.   Mike Cobb  38:45   The only thing there is two of the teak farm parcels can be bundled together for a half acre with about a I don't know it's a seven $8,000 legal piece government fees to achieve a residency. So you can actually become a resident of Panama with the teak investment, and again coming in on about 600 folks have done the residency as well as the investment and ownership of the teak farms. So I would say that's a piece. Again, if people aren't sleeping well at night, they're worried about inflation, they're worried about social disruption, polarization, where things are headed, right? And they like the idea of the teak investment, then you know it may make sense to just do the extra government legal piece and get the residency card. I mean, I just did that. By the way, I think you know I'm a I'm a Nicaraguan resident because I lived in Nicaragua for 14 years.   Keith Weinhold  39:34   Mike is holding up his Nicaraguan ID.   Mike Cobb  39:37   but last summer I also got my Panama residency card, so now I have, y'all. I'm a U.S. resident, U.S. citizen, and I'm also a Nicaraguan. I think I held up my West Virginia driver's license. Hold on, let me go. Here's my Nicaraguan residency. Sorry, I was like, yeah. Wait a minute. Anyway, so right. So I'm a U.S. citizen, and I'm a resident of both Nicaragua and Panama. And so, this is something that a lot of folks choose to do because of the uncertainty, the political and social uncertainty in their lives. The teak itself will help with the economic uncertainty, but the residency then helps with the other two elements.   Keith Weinhold  40:15   Next time you fly in and you're doing customs in Panama City or Managua, show them your West Virginia driver's license and see how they like it. See what happens.   Mike Cobb  40:22   It wouldn't work. Hahaha.   Keith Weinhold  40:25   Well, the prices are low. You do not need to be an accredited investor in order to do this. So there's really no qualification bar to clear. There's really no limit in the number of parcels that you can buy. Some people like to purchase 10 parcels, but you can buy as little as one, and tell us more about that price.   Mike Cobb  40:42   Yeah, in fact, we've introduced Keith since the last time we talked a financing program. Oh,   Keith Weinhold  40:48   I didn't know that yet.   Mike Cobb  40:49   We did. That's a fairly new. It's a this year thing, right? So the teak parcels, I think 9890 or something, whatever. Call it 10 grand. The parcels just under $10,000.   Keith Weinhold  40:59   Okay.   Mike Cobb  40:59   Yeah, and they have a down payment and a credit card thing. I think it stretches maybe over a year or two, so it's a fairly short period. Let's people who don't have the entire 10,000 upfront who want the teak investment to be able to acquire it. And if they're doing the residency piece, the residency piece can only begin after the teak farm piece is acquired, right? But it can also lead to the residency piece over time. So yeah, and then there are some discounts on three of them and 10 of them. So we have a lot of people that actually end up getting them for. And and here's a really cool thing because it's titled in your own name, it can also be titled in a child's name or a grandchild's name. And so we have a lot of people that actually acquire them and they don't take ownership. They put it in their kid's name or their grand name. Yeah, so it's a wonderful way to move that asset already right out of the gates into the next generation or the next generation.   Keith Weinhold  41:52   So we're talking about diversifying at least twice, both internationally and then in a different asset type as well. This has been fascinating to learn about, Mike. It's just fascinating alone, I think, to learn about the geography and the teak itself. And like we touched on earlier, they do organize tours. Any reputable provider should do that. They're proud of what they offer there. Tours in the Darien province of Panama, in this case, to see your teak tree parcels. It's a really approachable price. If you want to learn more and get a report and perhaps purchase some parcels, Mike's one of our GRE marketplace providers. You can visit gremarketplace.com/teak or talk to your GRE investment coach. Mike has been fascinating as always. It's been great having you back on the show.   Mike Cobb  42:40   Nice to be here. Thank you, Keith.   Keith Weinhold  42:48   Teak is one of the more durable crops that there is. The demand for teak hardwood is substantial, and it's really growing. They have also had the same tree manager for all 27 years since the teak was planted, some real continuity there. The name of the manager is Heyo Forestall. There's a little to manage with the teak hardwood trees, like performing thinnings, and those thinnings do give investors like you intermittent income. So you're not waiting for absolutely everything for 25 years, but the income from the thinning is really small. Most of the return takes place in that 25 years, and it's interesting to me to see the profile of the GRE investor in teak because it attracts young investors, and maybe that's because the cost of entry is so low. It also attracts older investors because they more often have an eye toward passing along something productive to their heirs that is going to outlive them. A lot of them don't want to give their heirs money because money can be spent on fleeting trivialities. Also, the older a person is, they just have an easier time visualizing the fact of 25 years and knowing that it really will pass by. And yes, in-person tours are offered there in the Darien province of Panama, and there were 13 to 14 attendees on a recent tour. They do need to limit the group size, and the tours are for you, whether you're an existing investor or not. If you're just checking it out, that's for you too. If you believe that you want to attend a tour and you don't want to buy, I understand that you can get your money back from the tour.   Keith Weinhold  44:35   The next tour is in September. Each quarter-acre newborn teak parcel costs $9,680 $9,680 and over 20-five years, it's projected to produce about 110k in today's dollars. And yes, now with financing, we've talked about this investment on GRE before, but it's the first time where they now have financing in place, so you don't even need. 9680 to get started. Also, retirement funds might be eligible for use here. And really, when you think about the long-term horizon of this investment, retirement funds make sense. If this is potentially interesting to you, get a hold of the report that goes into the details and shows you some projections and more. You can do so by either contacting your GRE investment coach or visit gremarketplace.com/teek. Money may not grow on trees, but sometimes trees grow into money. Until next time, keep growing your means and maybe a few trees. You could visit gremarketplace.com/teak. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  45:53   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Keith Weinhold  46:21   The preceding program was brought to you by your home for wealth building. getricheduceducation.com