Podcasts about Speaker

A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: An Almost Radio Free Geneva Before Another Road Trip Subtitle: The Dividing Line 2026 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Sunday Service Date: 1/22/2026 Length: 63 min.

Today's Masked Speaker figured out a secret way to STOP his wife from shopping so much... but he does feel slightly guilty...See omnystudio.com/listener for privacy information.

A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: Thoughts On A Divided Nation Subtitle: The Dividing Line 2026 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Sunday Service Date: 1/20/2026 Length: 62 min.

One of our listeners had one of the WORST AirBnb experiences of all time... and she didn't even notice something was majorly wrong until she woke up the next morning after spending a night in the house...See omnystudio.com/listener for privacy information.

Today, we're stepping into the world of just how confusing English spelling can be! In this video, we're going to analyze words that even advanced speakers mispronounce.  Want to keep practicing your pronunciation? Get the free 14-day pronunciation plan! https://bit.ly/3YAWcJ5

MUSICThousands of people turned out for Bob Weir's memorial at the Civic Center Plaza in San Francisco on Saturday. Speakers included Grateful Dead drummer Mickey Hart, Joan Baez, Congresswoman Nancy Pelosi, and San Francisco Mayor Daniel Lurie.Poison's 40th Anniversary Tour is Off: Bret Michaels Wanted a Huge PaydayBad news for hair metal fans hoping to see Poison celebrate their big 4-0 this year: the tour has been scrapped.The band had been teasing a 40th-anniversary reunion for 2026, with frontman Bret Michaels previously hyping up a "perfect" 40-date run. But according to drummer Rikki Rockett, the plans fell apart at the negotiating table.The sticking point? Money. Rockett revealed that while he, guitarist C.C. DeVille, and bassist Bobby Dall were all ready to sign, Michaels demanded a much bigger slice of the pie. Specifically, Rockett claims Michaels wanted about 600% more than the rest of the band—essentially $6 for every $1 the others would make."You just can't work that way," Rockett said. He explained that while he loves playing, he doesn't want to work hard just to make someone else rich while he gets a fraction of the pay.Is there bad blood? Surprisingly, Rockett says no. He compared the situation to family, saying, "It's like hating your parents." He insists he isn't fighting with Michaels, they just couldn't agree on the business side of things.When asked if the band would consider touring with a replacement singer, Rockett shut it down, calling that a "last resort" and insisting there is no better frontman for Poison than Michaels.What now? For now, everyone is doing their own thing. Michaels has solo dates booked for 2026, and Rockett is touring with his side project, Rockett Mafia.Rockett did joke that maybe they'll try again next year, saying it would be a "perfect Poison folly" to do a 41st-anniversary tour instead. Green Day will perform at the opening ceremony of Super Bowl 60 at Levi's Stadium in Santa Clara, California. https://www.foxsports.com/articles/nfl/green-day-to-open-60th-super-bowl-with-anniversary-ceremony-celebrating-generations-of-mvps Ludacris has been removed from Kid Rock's Rock the Country Tour. https://ew.com/ludacris-drops-out-of-rock-the-country-festival-lineup-after-fan-backlash-11887716 Sphere Entertainment has announced plans to build a second U.S. Sphere venue at National Harbor, Maryland, which will feature a smaller capacity of 6,000 seats compared to the 20,000-seat Las Vegas venue. https://consequence.net/2026/01/new-sphere-to-be-built-at-national-harbor-near-washington-dc/ The Queen of Country, Dolly Parton, is 80 years old today. What an amazing life she's led. Dolly was born as the fourth-born of 12 siblings on January 19th, 1946, in Locust Ridge, Tennessee . . . which is a tiny town in the Smoky Mountains. TVIf you thought the sex was rough in "Game of Thrones", at least it never sent anybody to the hospital. But that happened to Emilia Clarke on her NEW show, "Ponies". https://www.comingsoon.net/tv/news/2084635-emilia-clarke-broke-rib-sex-scenes-ponies?utm_source=fark&utm_medium=website&utm_content=link&ICID=ref_fark Piers Morgan has been hospitalized after suffering a fall at a London restaurant. https://www.mylondon.news/news/celebs/piers-morgan-fractures-leg-after-33255920 MOVING ON INTO MOVIE NEWS:Avatar: Fire and Ash continued its run as the number one movie in North America. The third Avatar film brought in another $17.2 million over the weekend. https://deadline.com/2026/01/box-office-global-avatar-fire-and-ash-28-years-later-bone-temple-1236689254/We've talked about this before, how we will start a movie and then immediately get distracted or multitask with our phones? Matt Damon says Netflix is aware that many of us get distracted by our phones, so they're adapting how they make movies. https://www.hollywoodreporter.com/movies/movie-news/matt-damon-netflix-plots-reiterated-distracted-viewers-1236477116/ Amanda Seyfried (SIGH-Fred) says that when she was filming the 2010 movie "Dear John", she and Channing Tatum were constantly messing with each other. But at one point, Channing kicked it up a notch. https://www.buzzfeed.com/chelseastewart/amanda-seyfried-channing-tatum-peed-on-her-dear-john?origin=nofil AND FINALLYMSN.com put together a list of the 26 best sitcom neighbors of all time. Here are the Top 15:https://www.msn.com/en-us/tv/news/the-26-best-neighbors-in-tv-sitcom-history-ranked/ar-AA1UoFmk?ocid=msedgntphdr&cvid=0d84ca62ece34e719a75fb63595a5c14&ei=44 AND THAT IS YOUR CRAP ON CELEBRITIES!Follow The Rizzuto Show → https://linktr.ee/rizzshowConnect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith Weinhold breaks down how recent presidential housing policies could influence real estate investors and everyday homebuyers.  Then he walks through four different ways to eventually exit your investment properties—including a little-known strategy most investors have never heard of—so you can start thinking about how you'll one day harvest your gains, potentially with minimal or no taxes, while still preserving your wealth and flexibility. Episode Page: GetRichEducation.com/589 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the presidential administration has made some weighty decisions that could affect the real estate market for years. Then when it's time for you to sell your investment property, there are some smart ways to do it and some big mistakes to avoid. We're talking about four options for your real estate exit strategy, including the little discussed 721 exchange today on get rich education.   Keith Weinhold  0:32   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Russell Gray  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE you're inside one of America's longest running and most listened to shows on real estate investing. This is Get Rich Education. I'm your host. Keith Weinhold, if you're working for the weekend, then you had better examine your Monday to Friday and start investing for leverage in income that's generated today. The good news is that down the road, when it comes time for you to sell your investment property, hopefully, after decades of handsome profits, even if that is years away, there are a lot of good options for you, including multiple ones that are tax deferred and effectively tax free. I'll discuss that later today, what we know, and what history has proven, is that savers lose wealth, stock investors maintain wealth, real estate investors build wealth. And I contend that within the discipline of real estate, being the investor is the best job of all of them, because, look, realtors rarely build wealth. Property managers that don't actually own the real estate, they also rarely build wealth. And the people on your maintenance team, they don't build wealth either. Now, as much as we might appreciate all these service professionals, I mean, I sure do this is not meant to disparage them. I'm trying to help you pick the right lane in real estate. Know that you're doing the right thing. Do the right thing before you do things right. By their own admission, the National Association of Realtors, the NAR they will tell you that the median gross income for a realtor is. Do you want to guess? Any guess as to what the median gross income for a realtor is? It is $58,100. that's it.    Keith Weinhold  3:37   And realize that's the figure being reported by the trade organization that represents the industry too licensed sales agents. Median income that's even lower. It is $41,700 also per the NAR I see myself realtors that have been in business 20 years, 30 years, 40 years, and all that time, they have never bought a single investment property for themselves. Instead, a lot of them spend their entire career helping other people get rich while they never get on the treadmill. But do you know what is even crazier to me, crazier than that, it's the number of people that manage properties, including some of my own property managers that I hire, and they don't own any investment real estate themselves. And I think that's crazy, because managers are doing what is one of the toughest jobs in real estate, always having to walk that tightrope, arbitrating between the property owner and the tenant, and as a result, often pleasing nobody. They're sort of like the football referee, the baseball umpire, the property manager they have to deal with The problem tenant. The manager has to bug the tenant to collect the late rent, and then your maintenance people. You know, I just met up with a contractor that's putting new flooring in one of my rentals. He's got a sense of humor, and he wore this great t shirt that says, I'm here because you broke it. I love that. But now his compensation isn't too shabby, but he's trading his time for dollars, and the income stops when his work stops. The lesson is, be the asset owner.    Keith Weinhold  5:35   Now this presidential administration has shaken up a lot of policies, good or bad we've got a bunch of new directives centered on the housing market. And really, this shouldn't come as any sort of surprise, since be mindful, the current White House occupant is a long time New York City Real Estate Investor, some of the more recent weighty moves that can affect you are banning institutional investors from buying single family homes that they turn into rentals, and the other one is a $200 billion bond purchase program aimed at reducing mortgage rates. Okay, whether those two things happen or not, it's good to look at their effect, how they move a real estate market, because when you understand the effects, then you learn a lesson, even if you're listening to this episode 10 years from now, the move to ban institutional investors. We're talking about conglomerate groups like Blackstone and invitation homes. The move to ban them from buying single family rentals is to try to reduce the demand and therefore, hopefully lower the price of single family homes in order to help affordability. Okay, that could work in concept. But here's the other thing that it does, there would be fewer rentals available on the market, because most institutional investors do buy those build to rent properties, that's what they're looking to acquire. So it's sort of what most any real estate investor would want. They would get higher rents and maybe some somewhat lower purchase prices, or at least a lower appreciation rate. But this whole move to ban institutional investors, that is mostly a nothing burger, that's all we're talking about here. And here's why you cannot undo the institutional purchases that were already made, and a lot of those got made, a lot of them during the pandemic. So it would only be banning new purchases. And another important point to consider here is how small this market is. I think these institutional buyers make a whole lot of outsized noise and often get pointed to as the boogeyman for running up prices of real estate. But that's not true. Only about two to 3% of single family rentals are owned by these giant investors, at least the ones that have over 1000 units. Okay, so this all sounds good as a political platitude. You trying to do something about it? I sort of understand that, but this ban, it just would not move the market very much at all now, perhaps a slight move could be triggered in cities that do have a lot of institutional ownership, like Atlanta, Jacksonville, Charlotte, but really little effect. The second directive from the President is having Fannie Mae and Freddie Mac buy $200 billion worth of mortgage bonds. This is really an effort to drive down mortgage rates and bring down monthly payments and make the cost of home ownership more affordable. The translation here for you is that whenever you inject money into something, money tends to flow more freely and rates get lower, kind of lowering the dam wall height, like I have given to you in other examples, when you buy bonds that demand pushes up bond prices, which lowers bond yields. And mortgage rates are tied to those lowered bond yields. And as soon as this was announced, like the very next day, mortgage rates fell into the high fives, yes, under 6% for the first time in three years. But the last thing effect of this that's been studied, and it's been shown to reduce mortgage rates by about three tenths of 1% so not nothing, but sort of small. However, if they're buying down rates like this one time, well then they might do it multiple times. So there you go. There are two recent directives from the president banning institutional investors from buying single family homes and buying mortgage bonds to lower mortgage rates.    Keith Weinhold  10:00   Either one of them with seismic effects. It's sort of like the 50 year mortgage proposal that the administration made a while ago, and that's probably not going to become a reality anytime soon, if ever. Here's a question that I have for you, and I'll let you answer. Do you like free markets, or would you rather have big government? Well, each of these directives are more government intervention into the free market, whether you like that or not. Another way to say it is that stuff like this makes a lot of splashy headlines, but it's not a bigger deal than a Philadelphia Eagles football game,at least. You know how these forces can move markets now    Keith Weinhold  10:46   straight ahead, it's the concise, definitive audio guide to selling your investment property. I'm going to detail four different ways that you can do it in this guide, including tax deferred and effectively, tax free methods. When you're able to defer taxes over and over again throughout your entire life, they effectively become tax free. You never have any tax obligation. Also, I will discuss one way of selling your property that you're probably not familiar with and you might have never heard about before in your life. I'm Keith Weinhold. You're listening to Episode 589 of get rich education.    Keith Weinhold  11:27   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre. Or or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again. 1-937-795-8989,   Keith Weinhold  12:39   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Russell Gray  13:12   Hi. This is Russell Gray, Main Street capitalist. You're listening to the get rich education show with Keith weinholden. Remember, don't quit your Daydream.    Keith Weinhold  13:20   You welcome back to get rich Education. I'm your host, Keith Weinhold, and I'm coming to you from Colorado Springs today, where I'm attending the real estate guys create your future goals retreat event, yeah, a goals event allows one to get introspective. One part of it is learning how I can serve you better on this show. Every week, since I do pour a lot of thought into what I share with you here. How much yeah, just, how much did this event mean to me? Well, my team is in the NFL playoffs, and I was willing to miss some playoff football for this.   Speaker 1  14:07    That's inexcusable, inexcusable. Playoffs. Don't talk about playoffs. You kidding me? Playoffs? I just hope we can win a game.   Keith Weinhold  14:19   Yeah, yeah. That is, that is, of course, the classic rant from a former NFL coach, Jim Mora. Maybe Jim needs to attend the goals retreat to put things into perspective here. now, whether it's just a few years from now or it's decades into your future, at some point we're all going to exit the real estate investing game, even if that's not until the day we die. I'll talk about that with whatever endeavor you're in. It is good to begin with. The end In mind. there's a good chance that you're either in real estate acquisition mode now, or you once were. Or where you're going to be in that real estate acquisition mode in the future, but after this accumulation phase of your life, hopefully, which you've turned into financial freedom through real estate, after that, you're going to be in the mode where, since you've already made it, you're going to want to just maintain the portfolio that you have or stop acquiring or you will want to sell eventually. The good news is that there are a lot of good options for selling your property and doing it, tax deferred and effectively tax free. Now I will not talk about selling your primary residence so much, though, this is focused on exiting from your investment property, primary residence sales rules with the IRS is that your first 250k of gain is exempt from capital gains tax if you're single, and your first 500k is shielded from tax if you're married. Quite a marriage incentive there.    Keith Weinhold  15:59   But as we focus on investment properties. This is influenced by a question from one of our older GRE listeners, 62 year old, Mark, who wrote in last year, was such a good question and I answered his question on air last month. I'll basically expand on that answer today. Mark said he has listened to every GRE episode ever, and therefore, congratulations, he made it. He reached financial freedom, and he's got a sizable portfolio. Some of his properties are paid off. Others are leveraged. But see, Mark is hesitant to buy more property because he's already made it his wife doesn't want more properties because she associates it with him having to do more work. Now, when you're still in pursuit of financial freedom, well, you don't mind investing a small slice of your time each month into real estate, a little light management, remotely, maybe, but once your residual income exceeds all of your expenses, well, then at that point, your time is going to start to become more valuable. So let's look at four here, four solid options for exiting your property, and then I'm going to examine the pros and cons of each one. The first of four is simply to sell real estate in the conventional way, just a plain sale to a buyer, where you see that it gets fixed up and you list it and you sell it outright. Well, the pros of this are is that it gets you to your exit, and it also turns your equity into cash. The cons, the downside of doing it this way is that you're going to give up your ongoing stream of income. Your Cash Flow is going to be gone. You might have to remove tenants, depending on your scenario. You have to fix up and stage the home to prepare it for the market. That could be as little as 5k or as much as 50k or more, depending on the size of your real estate, you're going to have to pay a real estate agent a commission of 3% or more and pay capital gains tax of 15% or more. That's one five. And you'll also have to pay depreciation recapture, and of course, you don't have to pay 15% of the total asset value. It's just 15% of the value gain during the time that you held this property, right? So the tax and fix up cost can eat into your profit with this first of four ways to sell your property, although you are still probably in for a pretty nice windfall upon the sale if you've held it for a while. All right, so the first way is a plain sail, and a lot of people would agree that is not the best way to do it. Okay, it gets far better from here. The second sale option that you have is something that a lot of real estate investors like us are familiar with, or have at least heard of, and the general public has not, and that is the 1031 exchange. You'll also hear it be called the 1031 tax deferred Exchange, or the 1031 like kind exchange, because you trade your property up for another property that's kind of like it. It is a hugely powerful wealth building and wealth preservation tool, okay, section 1031, of the IRS tax code that allows an investor to exit a property without incurring any capital gains taxes. That also does not trigger depreciation recapture when you sell your property, but in order for you to get those tax deferred benefits. Importantly, you have to roll your game into another piece of real estate. Now there are a lot of rules and nuances around 1031 ones. I have done multiple 1030 ones in my life, and they are so worth doing and amplifying your wealth, building power I will not cover all the rules and nuances those things like the three properties rule and the 200% rule, and that rule about how you need to identify your replacement property within 45 days and close on it within 180 days, and all of that. Because what I've done is I've completely broken that down on the show with you here previously, and as always, I explained it in the most clear, incoherent way that I could for you. I best did that on episode 143 of get rich education. The name of that episode is your 1031 exchange guide, tax deferral for life. Now, there do get to be some numbers flying around here, so you want to listen closely, you might find yourself skipping back for simple example purposes, in a 1031assume that you bought a $200,000 duplex 20 years ago, and it's now worth 500k you depreciated the value of the duplex every year, as is actually required by the IRS, assuming you took a total of 100k of depreciation over the life of your ownership of it, and you did not make any improvements to it. The basis of your property is then 100k because it's your 200k purchase price, minus 100k in total depreciation write offs. When you sell the property for 500k you now have a gain of 500k minus 100k which is 400k depreciation, recapture and capital gains are not taxed at the same rate, and it depends on some things, but let's assume that your blended tax rate is 20% that means you would owe 20% on your 400k so that would be 80k in taxes if you just did the plain sale. But not many people want to stroke a check to the IRS for 80k so instead, if you take your 400k of gain and roll it into a new property, or properties, you can defer your obligation to pay this 80k. Yes, you do not owe the IRS a thing. Now this is beautiful. You get that tax break virtually nowhere else in the investing world, okay, so what you've now done is that you have exited the property a duplex, in this case, via 1031 exchange, and you've traded it up for another property. So you're still a real estate investor. You have not exited being one of those, but you sold the duplex and replaced it with another property, or properties, all right, that was the second of four sale options, the 1031, exchange, and, yeah, as you can see, there do get to be some numbers flying around, some deep dive learning for you here. And that's why I lightened it up with the Jim Mora clip before we dove in.   Keith Weinhold  22:54   The third way is called refi for life. Now we could almost put an asterisk on this third way, because with a refi for life, it's not a sale of the property at all. What it is is it's really a way for you to sell your equity to a bank yet still retain the property. Therefore, you access capital without triggering any taxes. You get a nice, big windfall payout while you still hold the asset, and it keeps paying you up to five ways at the same time. Yeah, you will also hear this refi for life strategy referred to as other things. Refi till you die, is one way to put it, as equity accumulates, say, every five or 10 years, you just do another cash out refi, enjoy the tax free windfall and keep holding on to the asset that is the same thing. Other names for this repeated series of cash out refis throughout your life that you might hear, which I'm calling refi for life. Those other names are live on leverage, the equity to income strategy, the infinite hold, the generational hold strategy, hold until step up, or you might hear, buy, borrow, never sell. They all mean the same thing. I'm calling it refi for life. Let me give you a simple refi for life. Example, using conservative assumptions, say that today you put a total of 200k down to control $1 million worth of rental property. Your initial loan balance is 800k we'll just say your cash flow is zero. Your property is appreciated 6% per year. After 10 years, your million dollars of property, growing at 6% annually, is worth almost $1.8 million if you refinance a 75% loan to value your new loan, amount is 1.3 5 million you pay off the original 800k loan, that leaves you with raw. 550k of cash out refinance proceeds. Congratulations, you got a windfall, and your 550k is tax, free loan money to you not income, because the IRS says debt is not income, therefore it's not taxed. Yes, and you heard that right. You can do whatever you want with those funds. What you've now done is you pulled out more than two and a half times your original 200k investment. And yes, while you still own the property, you continue to hold this appreciating asset. Tenants keep paying down your debt over time, and inflation keeps working in your favor, all right, and remember, that's only what you did at the 10 year mark. You are not done. It just keeps getting better. Fast forward five more years to the 15 year mark, at 6% appreciation continuing your original Million Dollar Portfolio is now worth about $2.4 million at 75% loan to value that property supports total debt of roughly $1.8 million at this point, your existing loan balance from the prior refinance, it's still that 1.3 5 million so you pay it off with a new loan. This allows you to extract an additional 450k of tax free cash. So add it up. This means at the 10 year mark, you got 550k and then here, at the 15 year mark, you got another 450k across your two refinances combined, you have now pull out a cool million dollars in tax free loan proceeds. That's nearly $1 million of liquid, usable capital from an original 200k investment that you made 15 years ago, without you ever selling the property. You still own. What's worth now $2.4 million worth of property, you've got the million liquid and you still have not triggered any tax at all. So at this stage, you can just live off your million dollars of refinance proceeds, or you can choose to reinvest it into new assets. Or you can selectively pay down your debt to increase your cash flow, or you can simply hold and let inflation continue shrinking the real value of your loans, and let inflation continue to make your properties go up in price, then down the road when you eventually die, your heirs receive a step up in basis largely eliminating capital gains tax. That is just amazing. That is refi for life in plain English. So that is the third of four exit strategies that I'm sharing with you here today. And understand there are a few caveats here. I only went to the 15 year mark, you can keep doing it every five years. Beyond that, it just keeps getting better as leverage compounds the value of what you own. Now I kept it simple for learning purposes in an audio format with you here, you're probably going to have even more equity than those numbers I gave you because I didn't even include the principal pay down that your tenants make for you.    Keith Weinhold  28:26   And let's discuss a few more pros and cons of this refi for life plan. The pros are that you've borrowed, and you've done that with perhaps a home equity line of credit, home equity loan or a second mortgage, you borrowed against the property in perpetuity and get tax free cash. Interest paid on the amount borrowed is tax deductible too. If you don't have enough tax advantages, there's also that you've got zero property sale, transaction friction or risk, you pass along the value of your home or portfolio to heirs on a stepped up basis. What that means, in essence, is when you pass away your depreciation recapture and your capital gains are wiped out, that's what a stepped up basis means. Okay, those were the pros, the cons, the downsides of doing this, and there aren't very many, but it's that it does not get you out of property ownership while you're still alive. If that's what you're looking for, your property cash flow gets reduced when you do a refi because you have a new debt service obligation. However, you've also got incremental rent increases throughout time that could offset that. And the other thing is, think about your heirs. Sometimes heirs find it challenging to divide homes among themselves, so your heirs need to be pretty well educated on related real estate and tax principles. So those are the cons of refi for Life. We're talking about four distinct access strategies for your investment real estate today on get rich education podcast episode 589 I'm your host, Keith Weinhold    Keith Weinhold  30:09   and the fourth way, the least understood and least utilized way, is known as the 721 exchange. And I want to thank a different GRE listener named Nate in California in his acquire to retire blog. It's worth checking out. I want to thank Nate for his contribution here. Nate heard the GRE episode last year about 62 year old. Listener Mark's desire to sell, and that's what got Nate to write in about the 721 exchange, yes, just like the 1031 exchange is named for that particular section of the IRS tax code, it's just the same with the 721 and of all four methods we're discussing today, it's the only one of the four that I have not done myself. So I have studied it how the 721 exchange works is that say you have a case where you're a rental property owner and you realize that you just don't want the hassles of landlording, but you like the financial benefit that the ownership gives you. What you can do is sell your home to a partnership and receive shares in that partnership. The 721 exchange rules stipulate that this is not a taxable event, and therefore no capital gains tax or depreciation recapture are due. Now that you're an owner in the partnership, you still get the benefits of owning the property, like appreciation and cash flow and such, and you get these benefits across a greater number of properties in markets diversification, because you are a fractional owner in the other properties that are in the partnership, not only your own. And when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs. And see it is surely easier to divide shares among, say, four children than it is to divide your 31 rental houses among four children, because your four children are all going to have different goals and varying degrees of financial savvy. So the 721 exchange really is a great estate planning tool as well. So you will have this partnership that makes an offer to buy your property. Section 721, of the IRS Code allows a property owner to contribute real estate to a partnership in exchange for partnership units. And of course, you are going to need to learn how to vet the partnership. Now let's look at some of the pros and cons of this. The upside the pros are that it gets you out of being a direct property owner, if that's just something down the road that you don't want to do anymore. No more repair requests or HOAs, property tax bills, insurance bills, vacancies or property improvements. And of course, the hedge against that, I favor using a property manager to take care of that for me, but that is a different topic. But in any case, you also defer paying capital gains tax and depreciation recapture by rolling your equity into a qualified real estate fund. Some more upsides of the 721 are that you get shares in the real estate fund that offers you continued cash flow and possible appreciation. There's often no need for you to pay to fix up or stage the property for sale, no agent commissions to pay. You diversify your risk across multiple markets and properties you get to contribute to, and you sort of become part of a like minded community of real estate investors, and you peripherally stay attached to your real estate, even though you're no longer the direct owner of it. Now, of course, being a direct owner of real estate is where you get both the profits and the control, but again, after a decade, or even 50 Years of direct ownership, you're just choosing to be done with that phase. So the 721 is a permanent solution. There's no sort of next decision, stress or risk. It is done. It is solved. But like I said, the shares are easy to divide among heirs compared to a portfolio of homes. All right, how about the cons the negative of a 721 exchange? Well, you're going to forfeit the ability to borrow against your asset, the refi for life plan that I talked about in the third way you can sell your property. Also you're going to have to pay some onboarding fees or some management fees to the partnership, and you're going to lose future 1031 exchange availability. And that is it. That is the 721 exchange. Again, I want to thank GRE listener, Nate from California, for reaching out to the show, and he's got a great blog. That's what got me to study the 721 exchange some more. This can happen with an up rate. You've probably heard of a REIT before, really.   Keith Weinhold  35:00   Estate Investment Trust and upreet, up r, e, i, t, that is in umbrella partnership. REIT, as investors, we acquire and hold real estate for the long term because it provides those real estate pays five ways, benefits of appreciation, cash flow, ROA, tax benefits and inflation profiting. But as you begin with the end in mind, it's going to be aware of your options so that you can optimize that inevitable exit of yours down the row. To summarize what you've learned so far on this segment of the show is that there are four viable exit strategies for real estate investors, the straight sale, the 1031, tax deferred exchange, refi for life, which isn't a sale at all. It's a series of cash out refis, and finally, the 721 exchange, where you sell to a partnership, all with their various pros and cons. So some really good options for you. You can look up Ridge lending group, if you want to do a cash out refi on your investment property, they're very well versed in how to do those things. That was the third strategy, the refi for life. What do I personally recommend that you do? Well, I don't know your situation, but I can just tell you what I do myself, and that is generally, if I like a property, I keep doing the refi for life thing, continued cash out refinances, and I just keep holding onto the property and enjoying that tax free cash. That's if I like a property. If I don't like a property, I will be more likely to 1031 exchange it up into something larger, and when I'm older and done being a direct real estate investor, that's time. I'll probably take a close look at a 721, exchange and see if it's right for me at that time. How can you learn more about these four exit strategies and what professional parties might you want to use to help facilitate it? Well, it is the same place that you get free coaching from us, and it's also the same place where you find just the right next investment property so that you're going to have something to sell in future decades. That is it gre investmentcoach.com that's free consultation with our coaches at greinvestmentcoach.com   Keith Weinhold  37:19   I'm Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. Don't quit your Daydream.   Speaker 1  37:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. 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  37:57   The preceding program was brought to you by your home for wealth building, get richeducation.com you.  

Join Angela and Simon Alexander Ong, a life and business coach and author of the book Energize, for a discussion on how to transform your life by managing your energy rather than your time, focussing on the power of perception and mindset in achieving an "extraordinary life".  Simon shares his personal journey from the financial sector during the 2008 crisis to becoming a coach, illustrating how obstacles can be reframed as opportunities. They also look at practical strategies for goal setting, maintaining consistency over intensity, and building sustainable systems for long-term success in both personal and professional spheres. KEY TAKEAWAYS: Energy Management Over Time Management: True productivity and the ability to "bend reality" come from managing your energetic state and perception rather than just managing your calendar. Consistency Trumps Intensity: Success is rarely a straight line; it is more like a maze where long-term consistency in habits and systems is more effective than short-term bursts of intense effort. The Power of Pronoia: Reframing your perspective from paranoia (the world is out to get you) to "pronoia" (the universe is conspiring in your favour) significantly changes how you respond to challenges and opportunities. Value and Service as Business Foundations: In business, shift the focus from selling to providing value and service; Simon suggests that money is simply an "echo of value". TIMESTAMPS AND KEY TOPICS: [0:56] The career journey [2:50] “The messy middle" of any journey and why it's crucial to fall in love with the process [7:46] The difference between goal-setting (like training for a marathon) and building systems [13:48] “Daily non-negotiables," including physical exercise, reading across multiple formats, journaling for mental clarity, and using voice notes VALUABLE RESOURCES ⁠Join The High Performance Health Community⁠ ⁠Click here⁠ for discounts on all the products I personally use and recommend A BIG thank you to our sponsors who make the show possible Try Beam Minerals now at beamminerals.com/angela using code ANGELA for 20% off Take the BioSyncing Quiz: https://angelafoster.me/quiz ABOUT THE HOST Angela Foster is an award winning Nutritionist, Health & Performance Coach, Speaker and Host of the High Performance Health podcast. A former Corporate lawyer turned industry leader in biohacking and health optimisation for women, Angela has been featured in various media including Huff Post, Runners world, The Health Optimisation Summit, BrainTap, The Women's Biohacking Conference, Livestrong & Natural Health Magazine. Angela is the creator of BioSyncing®️ a blueprint for ambitious entrepreneurial women to biohack their health so they can 10X how they show up in their business and their family without burning out. CONTACT DETAILS ⁠Instagram⁠ ⁠Facebook⁠ ⁠LinkedIn⁠ Disclaimer: The High Performance Health Podcast is for general information purposes only and do not constitute the practice of professional or coaching advice and no client relationship is formed. The use of information on this podcast, or materials linked from this podcast is at the user's own risk. The content of this podcast is not intended to be a substitute for medical or other professional advice, diagnosis, or treatment. Users should seek the assistance of their medical doctor or other health care professional for before taking any steps to implement any of the items discussed in this podcast. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Episode 273-Warning: Critical Gun Law Alert  Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode Transcript Gun Lawyer — Episode 273 Transcript SUMMARY KEYWORDS New Jersey gun laws, accidental discharge, criminalization, reckless discharge, felony consequences, gun ownership rights, self-defense, insurance coverage, Second Amendment, gun safety, gun dealers, international disarmament, gun control, gun owner education, legal challenges. SPEAKERS Speaker 2, Evan Nappen, Teddy Nappen Evan Nappen 00:17 I’m Evan Nappen. Teddy Nappen 00:19 And I’m Teddy Nappen. Evan Nappen 00:20 And welcome to Gun Lawyer. Well, folks, the New Jersey legislature has done it again. They have passed some atrocious gun laws, and I need to make all of you aware of one, particularly, that is very much a threat. It is something that’s going to affect many, many gun owners, and it is not being talked about in the general media, of course, because of how they write these laws in such a sneaky, underhanded way. But this law is going to impact all of us, frankly. And the potential is there, under this law, to not only take away gun owners’ rights to have guns, but to turn us all into felons at any time, simply based on an accident. That’s right, an accident. Evan Nappen 01:31 Because what New Jersey legislature’s both houses have passed, and I expect, very shortly, the governor will sign, is Assembly Bill, 4976. (https://pub.njleg.gov/Bills/2024/A5000/4976_R2.PDF) And what this bill does is it criminalizes Accidental Discharges (ADs). Now, an accidental discharge is when your gun goes off, accidentally, either by what some folks call an uncommanded discharge or an accidental discharge. But it is something that can happen, and although we have to always be very careful, circumstances can be such that a mistake can be made. I mean, we’re all human, and mistakes can happen. And unfortunately, you know, I see it in the practice, and I get accidental discharge cases all the time where individuals make a mistake and a gun goes off unintended. It happens. Now sometimes it happens because of the actual mechanical flaws to a firearm and that can be because of a gun’s design. It can even be due to circumstances where a firearm can go off from the slightest touch. Evan Nappen 03:08 Now you may not be aware of this, but years and years ago, I know of a case where an individual had a shotgun that this fellow had kept loaded. One of those single shot, top-breaker type shotguns. You know, like the old kind of like the toppers, the H and R Toppers, and what have you, similar to that. It Page – 1 – of 11may even have been one. I don’t know. But it’s one of those old single shot shotguns. And for probably 50 years, that gun had remained loaded with a shell in it. At one point, there were folks that were causing all kinds of problems in this guy’s yard, and he wanted to scare them off. He didn’t want to shoot them, and he put the gun out of, pointed the gun out the window, and boom. It went off, and he never pulled the trigger. He absolutely never pulled the trigger. There was no hit to the primer of the shell when it went off. And what has happened was, in this particular design of the gun, the firing pin had been pushing against the primer because the hammer was down and it didn’t have a firing pin block. And for like 50 years, this gun sat there, sensitizing the primer so that the slightest touch, you know, just the right jolt, without having to actually pull the trigger, made it go off. So, a gun can actually even do that under those extraordinary circumstances. Evan Nappen 04:57 But normally, an accidental discharge or uncommanded discharge that we encounter is because somebody believed, honestly believed, their gun was unloaded. And it ends up, of course, that it wasn’t. Now this can happen because somebody thought they checked it and maybe even did check. But then, with a magazine in and the slide going forward, a round loads, but they didn’t realize that it loaded, because they checked that it was unloaded. And sure enough, there’s a round there. I mean, I’ve seen every combination of error that could happen and a discharge can occur. And, of course, we know the rules, always point in a safe direction, etc. Make sure your gun is unloaded. Double, triple check to make sure that the chamber is empty. That there’s no magazine, and there’s no live ammo. I mean, all those things that we do. But accidents can happen, just like in a motor vehicle. We drive as safe as we possibly can, but people still have accidents. And what New Jersey has done in this bill is essentially criminalize an accident so that individuals will be looking at what is, in all likelihood, felony level charges. And they structured this bill in just a sneaky, evil, devious way. It’s going to have great impact, and it’s going to create, I think, unintended consequences. Evan Nappen 06:40 Now, as gun owners, we have to understand how we have to behave if any of us ever are so unfortunate as to have an uncommanded or accidental discharge. So, the law talks about “recklessly” having a discharge. “Reckless” in criminal law means, you know, with a conscious disregard of a known risk, okay? Criminal laws can have recklessly or reckless as a standard, as opposed to something being intentional, right? So, if you intentionally meant to pull the trigger, that’s intentional. Reckless could still be you didn’t intend to do it. But if there was that conscious disregard of that known risk and it ended up discharged, then you could argue that it’s reckless. So, reckless is kind of a standard where it’s not that traditional mens rea, your mental and your mental state of having that intention to have the gun fire. Reckless has been in our criminal law for a long time, and reckless conduct is something that’s out there, like reckless driving. I’m sure that you have heard of that. Evan Nappen 08:05 But what they’re doing here is even more devious by using the word “reckless”. So, what now is being prohibited? And I’m going to read this to you so you can see how they’ve done this. It says, a person commits a disorderly person’s offense. Now that sounds like, okay. A disorderly persons offense in New Jersey is equivalent to a misdemeanor. It’s not a felony. So, you’re saying, well, first of all, this is not creating a felony. It’s creating a disorderly persons offense, right? It sounds like it’s, you know, Page – 2 – of 11apparently, trying to be reasonable. But trust me, folks, it isn’t. I’m going to show you why. “A person commits a disorderly persons offense by recklessly discharging a firearm.” Okay, so at this point they’re saying, well, it’s just a low level offense, and it’s for recklessly discharge. You know, we’ve conscientiously disregarded a known risk. Okay, so it started out sounding, you know, not great, but okay. It’s not. It shouldn’t affect a lot of folks, and luckily, if it does, it’s still a misdemeanor. And, of course, it requires that recklessness. So, that sounds all good. Evan Nappen 09:22 Let me start again and read you, but wait until you hear the rest of it. A person commits a disorderly persons offense by recklessly discharging a firearm “using live ammunition rounds”. Well, okay, that’s good to know. A blank gun isn’t a reckless discharge, but you know you’re firing a blank. No live ammo. Okay. So, if I’m firing dead ammo or ammo that’s not live, then that’s not a reckless discharge. Well, good. How do I get a discharge with ammo that’s not live? I don’t know how that’s even going to happen. But okay, they throw that in, probably more as subterfuge and, you know, smoke and mirrors. But again, here we go. “A person commits a disorderly persons offense by recklessly discharging a firearm using live ammunition rounds unlawfully . . .” Okay, unlawfully. So, you’re unlawful. “. . . or without a lawful purpose.” Whoops, wait a minute. “Without a lawful purpose.” You commit a disorderly persons offense by recklessly discharging a firearm without lawful purpose. Evan Nappen 10:35 Except that a second conviction for such an offense constitutes a crime of the fourth degree. Well, a crime is a felony, and that’s a fourth degree. It’s a year and a half in jail. And a third or subsequent conviction is a third degree and that’s five years in State Prison. Okay. So, you may even read this part and say, well, it’s still arguably, weirdly reckless, maybe. But it’s for discharging a firearm without lawful purpose, but at least it’s a disorderly persons offense. And I, boy, if we do it once, I sure wouldn’t think I’d do it again. So, why is this such a problem, you know. Evan Nappen 11:09 But oh, well, wait, wait, wait. We’re not done yet. Because then it says, if a person commits a violation under this section, you’re charged with a crime one degree higher than what ordinarily would be charged for such an offense when the violation occurs within 100 yards, 100 yards, folks. Not 100 feet. A football field’s worth of distance of an occupied structure. Oh, what’s an occupied structure? Any building, room, ship, vessel, car, vehicle, or airplane, or a place adopted for overnight accommodations of persons or for carrying on business therein. Wait a minute, wait a minute. Wait a minute! An occupied structure includes a car or vehicle, and it doesn’t even mean it has to be occupied. It means even a vehicle or a building or a room, and it has to be within 100 yards, a football field, of a car. If there’s a car driving by within 100 yards where the accidental discharge takes place. If you’re in your own home? I mean, this is basically every accidental discharge. You will probably be within 100 yards of a car or a building or a room, or hotel or whatever, or an airplane. Man, even if the airplane is flying over the sky, I don’t know. I mean, this is nuts. Evan Nappen 12:55 So, if the violation occurs within 100 yards of a “structure”, guess what? It’s no longer that disorderly persons offense. It’s bumped instantly to the fourth degree, felony level offense. Up to a year and a half Page – 3 – of 11in State Prison, and now you’re going to be a convicted felon. That’s if your gun discharged for not having, without a lawful purpose. Oh, you mean like an accident? Yeah! Like an accident. An accident because you didn’t have a lawful purpose. Did you lawfully have a purposeful accident? No, that’s silliness in a nutshell. So, what it means now is essentially any accidental discharge is a felony in New Jersey, and you can face State Prison time of at least a year and a half, unless it’s going to be enhanced even more based on these other factors. And as a felon, you lose your gun rights for the entire United States. Evan Nappen 14:12 And even if it’s kept at the misdemeanor, a so-called disorderly persons level, they’re still going to go after your gun license and your gun rights. They’ll claim, under Chapter 58-3 of the licensing law, that you’re somehow a danger to public health, safety, welfare. You think if you’re going to have a criminal charge, a criminal offense charged here of accidental discharge, where they’re classifying it as reckless because it went for a “an unlawful purpose”. Like I said, I don’t know how you have a lawful purpose accident. And it was somehow within 100 yards of any car or room, which made it originally a felony even, right? Felony level in New Jersey. You’re getting your license and your guns confiscated and taken and face prosecution over this insane law. Evan Nappen 15:17 Now, this is the consequences of this bill, right? But that’s just the consequences in the law itself, like the penalty you may face and licensing problems. But what it also means is that upon any accidental discharge, folks, any, you immediately, now, immediately, have a Fifth Amendment right against self- incrimination, and you’re going to have to stand by that. Because I know in many of the cases we’ve seen, someone had an accidental discharge, and it may have gone through their wall. It may have gone to a neighbor’s house. It may have not whatever. But if you react, if you call the police, if you try to find out what happened, any type, you’re getting criminally charged. You have a right to say nothing. You have an absolute right, a Fifth Amendment right to remain silent, because you will end up incriminating yourself. This is going to mean that any New Jersey gun owner who has an AD or an uncommanded accidental discharge needs to immediately take the Fifth and seek counsel, the Sixth Amendment. Just call your attorney and don’t say anything to anyone. Do not make any statements to law enforcement or anybody. And, you know, this is a shame. Because what if that round actually caused injury to somebody? Teddy Nappen 16:59 Actually take it a step further. Evan Nappen 17:01 Think about it. You’re gonna incriminate yourself. You gotta absolutely. Go ahead, Teddy. Teddy Nappen 17:07 Take it a step further. Imagine instead of “gun”, this was “car”. I asked. I was in. I got into a car accident. So, therefore, all car accidents are felonies, where there is nowhere. Were you back? Were you 100 feet from your driveway? Was there a car driving by? Did you back into that car? Felony! You are now a felon because of that. And don’t tell me it’s the firearm versus the car! Because the car is a Page – 4 – of 11two ton steel death machine that kills more people than firearms do. So, it’s that level of argument, the utter draconian insanity that they have created here. Where from an accident, an actual accident, God forbid. Evan Nappen 17:54 An accident. That is right. Teddy Nappen 17:56 You are guilty until proven innocent. Evan Nappen 17:59 And wait. Let me say this. This has been put out there as a possible problem for self-defenders. And that’s actually not completely accurate, because there’s an exemption here that says it’s an affirmative defense, if you fired your gun in self-defense. Okay. Affirmative defense means the burden is on you to prove that you acted in self-defense. Then they’ll say, okay, that wasn’t a reckless discharge. But even the fact that the legislature has to put in there that if you act in self-defense, it’s an affirmative defense. Well, wait a minute. Why is it an affirmative defense? Because it wouldn’t have been reckless if it was intentional. Why do we even need that? So, in other words, the legislature itself knows that they’ve manipulated this law to simply be discharge for unlawful purpose, period. If you didn’t have a lawful purpose when your gun went off, it’s felony level if it’s within 100 yards of a car, or a room, or a building. Insanity. Evan Nappen 19:05 And as you say, Teddy, it would be like making every car accident, any fender bender that you have, you become charged with a felony. New Jersey has done that to gun owners now. Any accident, any accidental discharge, you’re going to face these criminal charges. This is going to, you’re going to end up in the system. If you have an AD, you’re getting charged. And now we’re going to have to fight this out on an offense that is essentially strict liability. That is the way they’ve set it up. Couching it and hiding it under so-called reckless, recklessly. But when they actually write it, they put the recklessly with the little bonus of having “without a lawful purpose”. This is nuts. Nuts. Nuts. Evan Nappen 19:58 I’m telling you right now the cases we get, it’s going to be crazy, crazy and a problem. So, folks, be extra careful. This is bad news. It has passed both houses, and the Governor, I’m sure, will sign it very shortly, if he hasn’t signed it already. And now gun owners are at extreme risk under this law. Teddy Nappen 20:24 I just thought of another one, too. What if you’re a first time shooter and you go to a range course, you’re in a range, a gun range learning, and the gun accidentally goes off because you’re brand new to firearms? You’re now a convicted felon. No discretion. Evan Nappen 20:44 Oh, well. It was near a room. That’s right, no discretion, and anybody that has that AD. So, again, it’s designed to disenfranchise gun owners of Second Amendment rights. And by the way, you may not be Page – 5 – of 11able to then get even insurance coverage. Because if it’s criminalized over what you did, it’s not anymore. Now, you’re talking about behavior where they can claim it’s a criminal act. It’s a criminal act, okay? And again, you may depending on your policy, depending on what actually the injuries and damage, you may not even have coverage. The insurance companies will use it to deny you coverage. I’m sure of that. That’s their job, as it normally is, anyway. To try to figure out how to deny coverage. Well, they’ve just given them that ability on the civil side to further make it harder for you. It’s jeopardizing gun rights, and it’s looking at creating incarceration at felony level for gun owners. It’s outrageous, and it really is something that I’m sure we’re going to see major, major impact. And then that’s not the only fun. Go ahead, Teddy. Teddy Nappen 22:04 I was just curious on the constitutionality of it? Because they’ve made, there must be some avenue. Because it’s very, like they’re giving no discretion? And just saying. Evan Nappen 22:16 Nope. Teddy Nappen 22:16 It’s automatic. There’s no constitutional challenge. Evan Nappen 22:20 Well, I guess there could always be a constitutional challenge. But what’s going to happen is it’s going to have to be the fight. The real fight is going to be over, maybe an argument of, was there a conscious, conscientious disregard, or conscious disregard of a known risk. But the other side will argue that as soon as you have a gun with ammo, you have a known risk. I mean, a firearm, and that’s their entire anti-Second Amendment strategy. Teddy Nappen 22:43 When you deal with guns, you do so at your peril. Evan Nappen 22:53 Right! And that’s New Jersey case law, right there. So, they’re saying, hey, you do it at your peril. You took a known risk because you possessed a gun, even. You can well see a New Jersey jury buying that argument. This is nuts, and gun owners, beware, beware, beware, beware. And like I said, this isn’t the only shenanigan that occurred in Trenton. They also signed S1425. (https://pub.njleg.gov/Bills/2024/S1500/1425_R1.PDF) Now, this is actually law. This law, real quick, specifically applies just to dealers. Just to New Jersey dealers. How nice. They have their own very special law now. This law says, “A licensed dealer who sells or transfers a firearm to a person when the dealer knows or reasonably should know that person intends to sell, transfer, assign, or otherwise dispose of that firearm to a person who is disqualified from possessing a firearm under State or federal law is guilty of a crime of the second degree.” That means up to 10 years in State Prison. They have a minimum mandatory period of three and a half years, and they made it a second degree. This is insane. Page – 6 – of 11Evan Nappen 24:03 If you’re a dealer in New Jersey, they can claim that you reasonably should have known that a gun you transferred to somebody was going to be transferred to somebody who was disqualified from possessing. Let me give you an example. You sell a Red Rider BB gun. That’s a firearm under New Jersey law. And if you reasonably should have known that that person was going to let their kid have that BB gun, you’re looking at a second degree charge here, Dealers. Yeah for that BB gun. Because as long as the state can show you reasonably should know that, that the person intended to transfer it to someone who was disqualified, who would be arguably that minor, unless it’s under a strict exemption. I mean, this is the kind of pathways being cut here. How do you know or reasonably should know? What is that reasonably should have known nonsense? Evan Nappen 25:03 I mean, that’s again, 12 people on a jury are the ones who’s going to decide whether reasonably you should know. All the law says, “. . . ‘reasonably should know’ means that a person reasonably should know a fact when, under the circumstances, a person of reasonable prudence and competence would ascertain or know that fact.” Oh, that’s a that’s so crystal clear. Huh? Real, crystal clear. Now what it means is 12 people who aren’t smart enough to avoid jury duty are going to decide whether the dealer should have known on that gun sale. And if they decide otherwise, the dealer is looking at a minimum mandatory sentence on a second degree crime, which carries up to 10 years in State Prison. Okay? That’s what they’re doing. Focused on New Jersey dealers. Do you think they want to put every dealer in New Jersey out of business? I do. And that’s the other bonus law that’s actually signed into law. It’s ripe for abuse, folks. Beware. It is just atrocious what’s going on in New Jersey. Evan Nappen 26:07 Let me tell you about our fight. You know, we are in this fight. We constantly, we’ve tried to fight these things. New Jersey is an extremely tough environment. We’re going to see court challenges, even more court challenges, and it’s our state Association that’s going to be heading the fight. I’m sure we’re going to see a constitutional challenge to this so-called Accidental Discharge bill and the same over what they’re looking to do to dealers. And it’s ANJRPC, the Association of New Jersey Rifle & Pistol Clubs at the forefront, fighting for our rights. They’re the umbrella organization of gun clubs in New Jersey, and you can join as an individual member. You really need to. You’ll be sent email alerts, and you’ll be told what’s going on. And you know, we’re able to get changes made with pressure, but most importantly, our salvation seems to be in the judicial fight in the courts. The Association is there as we speak. This is an extremely tough environment in New Jersey, the toughest in America, where the oppression of Second Amendment rights is second to none. New Jersey wins the prize for Second Amendment oppression, and it’s the Association there at the forefront. You need to be a member. Go to anjrpc.org and join today. Be part of the solution. It’s really important that you do that. Evan Nappen 27:43 I’d also like to talk about our good friends at WeShoot. WeShoot is an indoor range in Lakewood, easily accessible, off the Parkway. It’s where Teddy and I both shoot, and we both qualified. It’s where we got our CCARE and where we get our training. We love WeShoot. That’s the place to shoot. It’s a place you can shoot. They have a wonderful facility, a great pro shop, and great instructors. You’ve got to check out their website, magnificent photography there. And they run all kinds of great deals and Page – 7 – of 11specials, and they have all the top state of the art equipment. Check out weshootusa.com. weshootusa.com. You’ll be glad you did. It is a great resource for us to have a range right there in Central New Jersey that is as professional and modern as WeShoot. Go to weshootusa.com and check them out. You will be thrilled, just like Teddy and I. Well, that’s where we shoot. It’s what we love. You’ll love it too. Evan Nappen 29:00 Let me also mention my book, New Jersey Gun Law. It’s the Bible of New Jersey gun law. I’m working on the update from what I just told you today. So, the free update will be coming out, including the 2026 Comprehensive Update. We’re going to look at and add in all the new laws that’ll be coming out shortly. So, if you have the book, make sure you scan the QR cover. The QR code on the cover. Join my free private subscriber base, and you’ll get notice of the updates that are forthcoming. You can buy the book at EvanNappen.com. That’s right, www.EvanNappen.com. Go to EvanNappen.com and get the big orange book today. You’ll be glad you did. It’s over 500 pages, 120 topics, all Question and Answer, designed to make it as user friendly as possible. I try to make it so you can navigate these treacherous waters of Second Amendment oppression in New Jersey. So, go to EvanNappen.com and get your book. Teddy, what do you have for us today in Press Checks? Teddy Nappen 30:15 Well, as you know, Press Checks are always free. While you’re talking about the utter insanity that is New Jersey, there’s one positive bit of news. It’s kind of been, you know, from the entire news cycle of everything they try to cover. There’s one thing that kind of slipped under the cracks that some people did pick up on. And it caught my eye. I was like, wait a second, I remember this. So, President Trump has withdrawn from the UN Register of Conventional Arms. (https://gunrights.org/united-states- withdraws-from-united-nations-register-of-conventional-arms/) That treaty. Now, I remember growing up as a kid, Dad, you told me, always keep an eye out if there are blue helmets walking down the street. Evan Nappen 31:01 Yeah, that’s right, that blue helmet day came, if that ever was to come. Yep. Teddy Nappen 31:08 And oh, I remember you telling me about that treaty. And you know that stupid, you know, the UN has always been an anti-gun organization, with that stupid, bent revolver they have. Evan Nappen 31:20 Yeah, the revolver with a barrel and a pretzel knot. (https://dam.media.un.org/archive/Gift-of- Luxembourg-to-the-United-Nations-2AM9LOQORWK.html) I mean, look at folks. It’s a revolver, by the way. It’s not an AK, you know. It’s not an AR. It’s not in an “assault firearm”. No, no. It’s a freaking revolver with a barrel in a pretzel knot there. Gee, who are the primary possessors of revolvers? I wonder. Is that paramilitary organizations? No. Terrorist, radicalized wackos? No. A revolver. Let me see. Oh, you mean, like average citizens? Wow, hmm. Interesting. Page – 8 – of 11Teddy Nappen 32:02 But what I remember that being back, you know, where this was a big fear. Where it was the giant arms treaty, where they were trying, I think it wasn’t ratified by Obama, but that was that insane policy to try, even. The UN even actually has an Office of Disarmament. (https://disarmament.unoda.org/en/our- work/conventional-arms/legal-instruments/arms-trade-treaty) That’s actually their whole like deal. What they try to push for. Now, they cloak it in like militarily. If you actually go to the website, this was from the gunrights.org. (https://gunrights.org/united-states-withdraws-from-united-nations-register-of- conventional-arms/) The National Association of Gun Rights put out the article, and they provide the link where you can go on to the UN website. You can see their register of their whole charter on the UN, and it goes into they brag about it. We’ve recorded and captured 90% of the global arms trade. By the way, this was supposed to be about, you know, tanks, armored carriers. You know, stuff used in actual, like, large scale warfare. But then I love how they do this. In 2016 they adopted the international small arms and light weapons in parallel with the other seven categories, so we can keep track of all small arms. Hmm, 2016. What were they doing to try, what was the big anti-gun push to try to disarm us around that time? Thinking that they’re going to try to go around collecting our arms in the United States. Like it’s so disgusting. I love how they just cloak it. You actually can go on to their reports. I got bored. So, I clicked the arms report of 2023 and I was like, okay, armored carriers, all that . Small arms. I wanted to look and see who were like the top buyers. So, revolvers and self-loading pistols – Iraq. Apparently. Evan Nappen 33:57 Really? Teddy Nappen 33:58 Yeah, like 2,150 pistols from us to Iraq. Evan Nappen 34:03 Oh, from the U.S.? Teddy Nappen 34:05 Yeah, from the U.S. It keeps track of each country. Evan Nappen 34:07 Well, we’re making them. Teddy Nappen 34:09 Yeah. Evan Nappen 34:09 Of course. We’re a major industrial manufacturer. What we should be doing is making guns. Teddy Nappen 34:14 Yeah. And then rifles and carbines. They separate that from “assault firearms”. Rifles and carbines. 20,000 to Israel. So, there you go for that end. Page – 9 – of 11Evan Nappen 34:27 Yeah, Israel makes a lot of their own weapons, too, and they make really good ones. Teddy Nappen 34:32 Yeah, I know they have the Hebrew hammer. Evan Nappen 34:35 Oh, yeah! Teddy Nappen 34:35 The Tabor X95. (https://iwi.us/firearms/tavor-x95/) But with the sub-machine guns, Saudi Arabia, 550. Evan Nappen 34:41 This doesn’t even matter. This is so absurd, and it’s just trying to globalize Second Amendment oppression. You know, our country’s blessed with Second Amendment. And of course, New Jersey does everything it can to undermine it, but the majority of America doesn’t do that. But internationally, we, you know, they hate us. They hate our Constitution, and they want to see us disarmed. We are standing as a threat to their globalist intentions, right? Teddy Nappen 35:21 I mean, that was the famous line that Donald Trump said to the world. The world does not belong to globalists. And that’s a fact. And here, in their charter, they even say, such measures, as they’re describing the whole disarmament office, such measures can also encourage restraint in the transfer and production of armament and decelerate military build up. In words of, okay, we need to lower the amount of guns in the world and try to disarm the people. That’s the cover they run, but they dress it up. I will give the Left credit. Their ability to wordsmith their way into something else is crazy. Evan Nappen 36:06 Well, listen, man. It’s not every political group that can convince people, you know, that a man can be a woman. So, why can’t they convince the world about this with guns? Right? Teddy Nappen 36:17 Well, it’s the political group that has the. When they did the whole study on mental health of different groups, the vast majority of people that vote Democrat have mental illness. So, let that sink in. That was an actual study, and that was put out by, like, CNN! So. Evan Nappen 36:18 Really? Teddy Nappen 36:19 Yeah, they had to be like. No, I love it. If you are ever bored? Anyone who’s very bored, go on to CNN and catch Harry Enton, the statistics guy. He’s the golden retriever of CNN. He just talks about numbers, and he gets so excited. He’s like, oh my God, have you seen these numbers? I can’t believe Page – 10 – of 11it. He’s always, like, shocked every time. He sees like, you know, everyone keeps saying Trump’s numbers are going bad, but you go over to here. Six months ago, 84, and now, it’s 85. Oh, wow, amazing. Like, it’s just, it’s that energy. It’s crazy. Evan Nappen 37:13 Well, how old is he? Maybe he’s just trying to get excitement to statistics? Teddy Nappen 37:18 I know, but it’s just like, what are the numbers? Pretty good. He’s like, gad Zooks. He’s like, clapping. I know. It’s just like, what the heck is it? Like if anyone is bored? Just look up Harry Enten on CNN. He’s, it’s so fucking weird. Evan Nappen 37:37 Okay, I love it. All right, Teddy. Well, that is interesting to know, but I’m not surprised, not surprised at all. This is the moment, the moment when we discuss the GOFU, that is the Gun Owner Fuck Up. It is one of the most important aspects of what we do, because every day we deal with Gun Owner Fuck Ups. And when we can let the listeners know, you get to learn expensive lessons for free. And this week’s GOFU is real simple. It’s Accidental Discharge. Let me just make it real clear. Now, more than ever, more than ever, you’ve got to be extremely overly conscientious. You better triple check chambers. You’ve got to make sure. You cannot afford in any way to have any kind of Accidental Discharge in New Jersey, because you risk it all. You risk it all. You risk becoming a felon. You risk going to prison. You risk losing your gun rights for the entire United States. You risk not being covered, arguably, by insurance. It is an insane risk that New Jersey is imposing, and I’ve seen 80 cases throughout my entire practice. Unfortunately, they happen, and, you know, in hindsight, they’re all avoidable. But folks don’t be a GOFU. Please, please, please. Follow all the rules of safety, and make sure you treat every gun as loaded. Every gun, you treat as loaded. Do not for a second, not do that. It’s just that critical. They’re criminalizing those who make a simple mistake, and there is no tolerance. Evan Nappen 40:00 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 40:13 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Page – 11 – of 11 Downloadable PDF TranscriptGun Lawyer S5 E273_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

In "The Acceleration Mandate," Guest Speaker, Pastor John Nuzzo unpacks God's call for a new wineskin—one that carries fresh wine for a new generation. This message challenges the Church to yield, walk in humility, and embrace generational unity, reminding us that division brings stagnation, but unity releases acceleration. Drawing from Scripture and powerful biblical examples, Pastor John highlights God's heart to turn generations toward one another and usher in a multi-generational outpouring of the Holy Spirit. This is a timely word calling us not just to ask for answers—but to become the answer as God accelerates what He is building in this season.This is the official Facebook and YouTube channel of Champion Christian Center. Our mission is to love God, reach the one, and change the world. Through Bible-based sermons and devotionals, you'll learn how to understand the Word of God, fulfill God's plan for your life, and make a positive impact on the world around you. If you are local, we would love to meet you in person! We are located in Washington, PA and led by Pastors Nathan and Joie Miller.For more life-changing resources, visit us at www.championcenter.com.Subscribe to our YouTube channel:/ @championcenter1To give online:https://pushpay.com/g/championchristiancenter——Champion Christian Center Facebook:/ championccenterChampion Christian Center Instagram:@championccenter

A new MP3 sermon from Wretched Radio is now available on SermonAudio with the following details: Title: Wretched Radio | January 17, 2026 Speaker: Todd Friel Broadcaster: Wretched Radio Event: Podcast Date: 1/17/2026 Length: 52 min.

1/17/2026 | Today's daily devotional by C. H. Spurgeon on SermonAudio: Title: A Man Without Fear Subtitle: Faith's Checkbook by Spurgeon Speaker: C. H. Spurgeon Broadcaster: Prince of Preachers Event: Audiobook Date: 1/17/2026 Bible: Exodus 3:12 Length: 1 min.

1/17/2026 | Today's evening devotional by C. H. Spurgeon on SermonAudio: Title: Spurgeon's Morning & Evening - Jan 17 PM Subtitle: Spurgeon's Daily Devotional Speaker: C. H. Spurgeon Broadcaster: Prince of Preachers Event: Audiobook Date: 1/17/2026 Bible: 2 Samuel 11:2 Length: 3 min.

1/17/2026 | Today's morning devotional by C. H. Spurgeon on SermonAudio: Title: Spurgeon's Morning & Evening - Jan 17 AM Subtitle: Spurgeon's Daily Devotional Speaker: C. H. Spurgeon Broadcaster: Prince of Preachers Event: Audiobook Date: 1/17/2026 Bible: Revelation 14:1 Length: 3 min.

Gissele: [00:00:00] With Martin Luther King, Jr Wright, does love have the power to turn an enemy into a friend? Gissele: Does it have the power to heal? we’re creating an inspiring documentary, courage to love the Power of Compassion, which explores their extraordinary stories of those who have chosen to do the unthinkable, love and forgive even those who are most hurtful. Through their journeys, we will uncover the profound impact of forgiveness and love. Gissele: Have not only of those offering it, but also on those receiving it.  In addition, we’ll hear from experts who will explore whether love and compassion are part of our human nature. And how we can bridge divides with those with disagree with. If you’d like to support our film, please donate a www M-A-I-T-R-I-C-E-N-T-R e.com/documentary. Gissele: That’s maitricentre.com/documentary. Hello and welcome to the Love and Compassion [00:01:00] Podcast with Gissele. We believe that love and compassion have the power to heal our lives and our world. Don’t forget to like and subscribe for more amazing content. Today we’re talking about how love binds us with others, including those of crossed over. Gissele: We’ll be talking with Rebecca Schaper about communicating with animals on the other side after the sudden and unexpected passing of Rebecca Schaper dog’s. Gus. She consulted animal communicator Sonny Mann, beginning a lengthy and revealing correspondence. Gissele: Sonny reported her dialogue with Gus in the afterlife at various times throughout the next year. This moving story includes the transcripts of those psychic sessions, along with Rebecca’s notes from her daily journal as she responds to both the earthly and spiritual guidance from Gus. His spirit describes his life in both worlds. Gissele: He urges her to embrace fully her life contract as a Shamaic practitioner and healer. Please join me in [00:02:00] welcoming Rebecca. Gissele: Hi, Rebecca. Hi. Rebecca: Thank you so much for having me. I’m looking forward to this wonderful conversation. Gissele: Thank you so much for being on the show. Can you tell our listeners a little bit about how you started this journey of, communicating with Gus on the other side. Rebecca: Sure. 2023. My dog Gus died unexpectedly on December 7th. Mm-hmm. he was six years old. He was my co-pilot. He was definitely my soul dog. It was as though we knew each other in the past life and we communicated to each other telepathically, and of course it broke my heart wide open. To the point where I was worse than losing my parents by suicide and. Rebecca: I’ve never felt grief like that in my life. So in January of [00:03:00] 2024, which was a month after he had passed away, I decided to reach out to a pet communicator because I knew I needed help. and I knew I could not do this on my own. Normally, I can work through situations. I’ve had some real trauma in my life, which I’m grateful for. Rebecca: because it’s definitely led me to a lot of love and compassion like your show. But I knew at this point I definitely needed help. So I communicated with Sonny, asked her if she’d be willing to communicate with my dog, Guss. And what she would do is she would, go into some type of trance is the correct. Rebecca: Word to use, but she was just able to have that strong telepathic connection and she would ask him questions. And then after she was done, I mean it wore her out. She told me, she said, it’s [00:04:00] very taxing on the body. And so after she was done with that first session. I was blown away with what, with what the information she had told me. Rebecca: And so fast forward, we had 10 sessions, so she would transcribe ’em to me because she lived in Australia and the time zone was difficult. And a couple of times we chatted with each other and then I would journal my comments to the comments between Gus and Sonny this book is a three way conversation and so there you go. Rebecca: And it, she was really able to provide a lot of healing for me. And Gissele: what were some of the messages thatwere unique to you in Gus’s experience that most people wouldn’t have known? Rebecca: Yes, I will definitely share a few. One of ’em was she saw the word beck [00:05:00] and Gus said, that’s my mom, Beck, her brother David calls her Beck and. Rebecca: There’s no way that Sonny would’ve known that. I mean, there’s just no way. Because he was communicating to her. He said, yes, that’s my mom. Beck, her brother David calls her back. Gissele: Mm-hmm. Rebecca: And then another one, which I felt was really profound. We hiked to Machu Picchu and the day one of the days was on my husband’s and i’s anniversary and I had to look down and there was, I wish I had it with me, but I think it’s on the altar table, Rebecca: it had a heart shaped stone. And I thought, oh my God, on that anniversary, how beautiful. So I kept it with me. Fast forward after Gus had passed away, I was sitting outside [00:06:00] and I was doing some meditation and just kind of working through, Rebecca: really tapping into the stone and some other stones I collected accidentally dropped the heart stone and it broken three pieces. Hmm. And I thought to myself, oh my gosh, is this a sign saying that my heart is broken? Of Gus. So I was devastated. Rebecca: The next day, I walked down, I go to this fire pit’s made outta stone and Guss and my daughter’s dog, Stella would always get on top of that fire pit and they would walk around it and try to find chipmunks. So this was like, you know, a constant thing. So anyway, I would go and put my bird seed on top of the rim of the fire pit so I could feed the birds. And I just happened to look down and there was a heart stone, almost the same shape and size. Gissele: Mm-hmm. Rebecca: And, to me I [00:07:00] was like, that. So profound and so stunning and it just warmed my heart completely. And, another one, I’m at my beach house now. Rebecca: We have this area where you can look out over the marsh, and he would always be with me in a red chair is a cushion. And he talked about the red chair and the fire pit looking out over the marsh to her. Mm-hmm. So there’s many more, but that’s what comes to the forefront to me as of now. Gissele: Were there any messages from Sonny and Gus around the relationship between human beings and animals and even the connection and nature that we might have lost? Rebecca: Oh, most definitely. Rebecca: I felt like Gus was trying to communicate, saying they always want to be with you. Gissele: Hmm. Always. Rebecca: they’re always there, They definitely can talk to [00:08:00] you. even the most subtle ways. They speak to you, they can speak to you through songs, which Gus used to speak to me through songs. Rebecca: There’s one of my favorite songs over the Rainbow. And they were unbelievable synchronicities when that song would come on when I was grieving. Mm-hmm. And I knew that was him. They communicate through numbers, they communicate, they can communicate in so many ways. One of the key factors is, is being aware of it Rebecca: It’s to me. It has opened my eyes wide open to whole different realms of communication and not just dogs, cats, any type of animal in nature. Rebecca: ’cause I am very much in tune with nature and they are here to help us. We just have to open up our hearts. [00:09:00] Open up our hearts and listen. trust is a big issue. And one other thing every time I would get a message that I knew intuitively, I knew that was something from Gus. Rebecca: I felt it in my body. I would always say thank you. I would. Be very heartfelt in saying thank you because it’s a gift. Gissele: Yeah. Yeah. It’s amazing how we’ve been taught that we are separate from animals and that there’s this hierarchy. Gissele: And so it probably is challenging for people to. To understand or believe that they can communicate with animals. there’s not this hierarchy that somehow human beings know better. Do you believe that people sort of have a contract or agreement even with their animals before they incarnate? Rebecca: Absolutely. Absolutely. I know I did with Gus and now we have a new dog, [00:10:00] Zeke. Gissele: Hmm. Rebecca: And he is from the same breed and from the same breeder, and how synchronicity led up to that. And he’s into my life for a reason as well. Mm. There is no doubt in my mind. I mean, I think about animals. You think about your family. Rebecca: I believe is a contract. Rebecca: if people will look for the lessons and the connection, or even if you’re out and about and you see somewhere and you’re like, God, that energy feels very similar. I feel like I know that person. Rebecca: That could be. A contract soul connection, but you just may not know at that time. Gissele: Yeah. is there some specific practices that you use to help you get in tune? Because sometimes our own emotions can get in the way. Gissele: I lost my dog last November and. I’m very, very grateful for the lessons and the being that he was. Gissele: But I also miss him a lot. [00:11:00] And I know my kids are eager to get another dog, but I’m just like, Gissele: It’s not the right time and I don’t want another dog. I want my dog back. Which is, can we pause Yeah. Rebecca: if you put that intention out Gissele: mm-hmm. Rebecca: Ask your dog. You can have your dog reincarnate and soul dog a new dog, but you’ll know. Gissele: True. Rebecca: you’ll know if you’re supposed to, and that dog, I promise, if you’re open and expanded to it and ask, it will happen. Gissele: my challenge Rebecca is, I also don’t wanna be the type of person that would hold back another soul for my own ego needs, right? Like my dog’s time with me was very, very special and he taught me so much. Gissele: But maybe his journey is to go on and do something else. Like I would never want to hold another soul hostage for my own needs. [00:12:00] And I think that’s what’s been preventing me from. Making that desire request. I’ve heard of from people, lots of different people like yourself included, talking about like, my dog has been reincarnated into this new dog. Gissele: I can feel it. And there signs and all of that stuff. That is wonderful. But I think one of the things my dog taught me was that, that loving without attachment and needing to hold onto the soul. the ability to be able to be grateful for the experiences we had and be open to different experiences. Gissele: I Rebecca: hear you and I validate exactly what you’re saying because I found myself the pain was so excruciating that I found myself forcing Gus to come back. Yeah. And I came to a point where I can’t do this. Gissele: Yeah. Rebecca: I can’t force it. If he’s supposed to come back, [00:13:00] then so be it. And I had to let go. Mm-hmm. So maybe in your situation, just say if, if it’s meant to be. It will be. If not, then you’re grateful for the time together. And that’s kind of how I’m at. Yeah. And I understand. Yeah. But I’ve heard people where their dogs have reincarnated. Rebecca: It’s pretty astounding some of the stories. Gissele: Mm-hmm. definitely. And I like what you said in terms of our willingness to let go because. Maybe my dog’s journey is to reincarnate and come back in a different way and have a different experience. Or maybe it’s not, I think it’s that willingness which I in the past have not had. Gissele: I think I it’s like you said, totally normal grieve those experiences. It was my first dog ever. and he was just so special And I didn’t wanna replace that dog and expect another dog to take that place, so, [00:14:00] Rebecca: exactly. Yeah. A lot of people feel guilty about Rebecca: that. Rebecca: And I felt guilty about that too. And I thought, okay, it’s amazing how Zeke, how everything aligned and am I going to love this dog as much as I did? Gus, am I gonna be fair Rebecca: to this? Rebecca: But it’s pretty incredible the gifts and the lessons that Zeke is showing us. And I do, I honestly say, and my husband feels this too, we do see Gus kind of soul dogging Zeke at times. Rebecca: I was told they’re brothers Gissele: Yeah, for sure. Rebecca: You’ll figure Speaker 9: it out. Gissele: How did compassion and love help you through the grieving process? Because every, all of us experience loss, Rebecca: My situation with Gus losing a dog or losing parents by suicide, that really opened up. My [00:15:00] heart opened up my compassion and to see other people suffering who have may have gone through that same trauma, Rebecca: it opens my heart up because I can hold space with that person. sometimes we wanna fix it for the individual, but it’s not our place to fix it. Gissele: did the fact that you don’t believe in death. I mean if you, if you went right away after your loss to find someone to communicate them, you must not believe in death. Gissele: Did that actually help you overcome ’cause to lose parents, to lose a dog that was your soul dog? Those, those are fairly significant losses. Did that awareness help you not feel grief in the same way? And what helped you gain that understanding that maybe there’s a little bit more to life than just this bag of bones in this particular experience and [00:16:00] time? Rebecca: Very good question. Rebecca: Mm-hmm. both of my parents dying by suicide and my brother passing away, I saw my mother at the doorway after she, passed away, I was able to connect with my father and my brother. There were ways that I could connect with him, so that helped me a lot because it gave me a sense that it’s not final. Rebecca: they’re still there. they’re the ones that still wanna help your path, your journey, your life here. And I believe that even though it was a difficult childhood, but I was same time, I was very blessed because it wouldn’t have been able to, do the documentary to help others, all of that. Rebecca: It, it was a curse, but a blessing in the same way. And I’m forever grateful for it. And I, to this day, and until I die, I will always believe [00:17:00] that. My life steps have been interesting situations, but it has just opened up so much more. And different ways to look at death. Rebecca: I do not think death is final Gissele: though. Yeah. And I think that’s one of like the biggest hurdles that humanity has to overcome. I think that our fear of death is so huge that I think if we could realize that there isn’t death, not death in the way that we perceive it to be, that we stop existing and we’re just nothing we think that’ll open up people to be more courageous and to truly live their dreams. Gissele: But I think people’s fear of death can feel really challenging and It’s hard for us to understand that there is much more beyond even if you’ve had spiritual experiences to truly believe that, this life is just one chapter in a larger book of this being that encompasses this [00:18:00] particular body. Rebecca: I’m one of those that I know I’ll reincarnate again. Think about our ancestors. Gissele: Yeah. Rebecca: they’re here to help. Even on the land of wherever you walk, everywhere you go, the ancestors are there to help. Rebecca: It’s just opening, opening and expanding yourself Gissele: to tune Rebecca: in. Gissele: Yeah, so were you aware before your communication with Gus that you had a life contract as a Shamanic practitioner and healer? Or was it something that you discovered in your communication with Gus, through Sonny or Personally? Rebecca: I’ve always wanted. To do that. you know, it’s interesting you say that ’cause I go back and look in my journals and I have written years and years that that’s what I wanted to [00:19:00] do. And so prior to Gus’s death, it was, 23 in October is when I started working with the shamans Rebecca: And when Gus passed away, he was pushing me on the other side I don’t know how he knew that. You know, here’s the thing. I think dogs, even though we’re, if I was standing in right here, and say, Zeke or Gus was here, they’re so in tune to what we do energetically Rebecca: I’m sure Gus was in tune to what I was doing Gissele: so what are some of the things you’ve learned from your shamanic teachers about sort of this consciousness evolution that human beings seem to be going through? Rebecca: it’s a balance between here and the upper world. Speaker 7: Mm-hmm. We Rebecca: try to walk that balance, and the best way I can explain for myself is just Exude as much light as I can and be the true [00:20:00] person that I am. Of course, there are days where I can be crunchy you know, I’m human, but I can get myself back into balance and I just, Rebecca: I don’t like focusing on all the chaos and bringing a negative energy to that because I think that exacerbates it. I just try to be a positive light and maybe just saying hello to some person you don’t know, a smile on their face, who’s to say you may have made their day. Rebecca: Simple things like that. Gissele: Yeah, and I think you said two key things. Number one is the balance. I think that if we, each of us individually on our journeys found a balance, then I think that then we could create systems that were more balanced than they currently are now, and have leaders that, you know, reflect that balance. Gissele: And you [00:21:00] mentioned the importance of. Little tiny things. People think, well, you know, we gotta fix the war in Gaza. Or, you know, there’s all these other wars that are happening that are not being reported. Just living a life of love and compassion and light and kindness towards others. Like you said has a ripple effect. Gissele: ’cause many people, they’re war within their own homes. Yes. They’re in war, within their own relationships and they, they’re not willing to fix war, fix it Rebecca: themselves. Gissele: Yeah. And they’re not willing to fix that. But then they wanna fix the world, which really doesn’t make a lot of sense because the world really is a mirror of all of us. Gissele: And so fixing ourselves I think would go a long way and, and really. Helping us heal as, as a humanity, right? Rebecca: Yes. And, I also believe we’re having to, go through all this Hmm. To get to the light. [00:22:00] Truly, this is a very phenomenal time right now in history. It certainly feels phenomenal. Rebecca: but, it’s like clearing all the stuff to get to where we really wanna be. I know it’s tough, but Yeah. We just have to stay strong and stay in joy. Try to stay in joy. I go in nature all the time. Mm-hmm. that’s my balanced place. Nature. Gissele: Yeah. Rebecca: Yeah. And no doubt. Gissele: Yeah, definitely. And what helps you stay in Joy when it feels like sometimes the world is so chaotic, or When our minds are so chaotic. What helps you stay in joy? You mentioned nature. Are there any other things that you do to keep Rebecca: your joy? my dog, my husband, my family. Rebecca: Of course, when I wake up and I look at the sunrise, it’s just an experience that I have and that brings me such joy and [00:23:00] I’m make it a point to do that every day and close the evening. Same way watching the sunset. Rebecca: Mm-hmm. Because it’s very important to me. Gissele: Yeah. appreciating all the beauty, yes. That already exists that’s one of the issues with electronics, right? Like people really focus on their social media or electronics, but we’re missing all the beauty and the wonder that is outside, that is present right now. Rebecca: Yes. It’s, even the subtle things in life. Mm-hmm. Yes. It’s like stepping out and seeing an incredible cardinal. The coloring. Gissele: Yeah. So going back to the conversation with animals. So did the relationship with Sonny and in conversation with Gus help you then become more attuned with communicating with other animals? Rebecca: Yes. Gissele: What about insects? I Rebecca: I struggle with the insects. I have to be honest here and I, ’cause I’m very honest. [00:24:00] Speaker 7: Yeah. I often Rebecca: since insects except for fleas, mosquitoes and roaches and ticks. I’ll just try to scoop it up and put it outside. Rebecca: Mm-hmm. Somewhere I got a tick on the back of me two weeks ago, I know they’re all part of creation, but there’s just something about that. Gissele: nice. There’s a real struggle there’s an aspect of me that is like everything is of God and source universe, right? Gissele: And I’m not separate from anything. And at the same time, there’s a small part of me that still sees herself as a victim, which is like, that could bite me and has bit me. that could hurt me So I don’t wanna experience that. And so that memory, it’s hard for me to be in that kind of harmony with nature in that sense and see myself as not separate from it. Rebecca: I really try to get in that mindset, but when that insect does something Rebecca: to my [00:25:00] animal, to my dog, I, Rebecca: Do what I gotta do. Gissele: I wonder why they cause so much chaos. My husband and I were talking about this like where did this mosquitoes come from? Gissele: There’s this country that doesn’t have mosquitoes. I can’t remember which country it is. Apparently they’ve Rebecca: really weird. Yeah, Gissele: that’s what I was trying to remember. I don’t know. I saw it on social media. Gissele: I don’t know is it possible for us to live in harmony with all beings? Rebecca: That’s a really good question, and I think it’s a really. Tough one for a lot of people because you know, if you’re being infested by mosquitoes or stinging flies. Rebecca: That’s, yeah. Well, Gissele: my daughter was saying, because we go for walks, If you wear a dragonfly hat, the bugs will not bug you because Dragonflies are a natural predator. Oh yeah, because, so I order some from Amazon. Rebecca: Oh my God. Gissele: What is it called? Share [00:26:00] Dragon. Fly clips. So this was all over TikTok just a fake dragonfly that you can clip on your hat or you can clip it somewhere in your body and they will not come near you because they’ll think that it’s a real dragonfly and dragonflies are natural predators and so they won’t come near you. Gissele: Yeah. I haven’t tried it yet, but I’ve ordered it Rebecca: I do use, use all natural repellents like garlic. Yeah. Or apple cider vinegar. I’ve heard that works. Oh, okay. Yeah. So, Gissele: There’s hope. There is absolutely hope so that we don’t have to harm them and they can leave us alone. Gissele: So, yeah, it’s like, hopefully that works because I don’t wanna kill them and I don’t wanna put bug off stuff on my person. they have a right to exist. I just have a right to not be bitten. So if the dragonflies can help me, that would be good. Rebecca: I’m going to get that. Rebecca: I love it. Gissele: So tell us a little bit about your book. When does it come out? Rebecca: Okay. It, it was published April 9th. Oh, nice. Gissele: Okay. Rebecca: And it’s on Amazon. People can order it on [00:27:00] Amazon, and if people wanna reach out to me, it’s rebeccaschaper.com. Gissele: Sounds good. and you have a previous book you said. Rebecca: Yes, it’s the backbone of the Sister’s Call documentary that I had a calling to. Rebecca: That’s a whole different story. And then the light in his soul lessons from my brother’s schizophrenia. here’s one thing I would love for your audience to take away, is you think you’re going down one way with your career. I had no idea. I’m not a filmmaker. Rebecca: I’m not a writer. I had never written a book, any of that, but I had people walk into my life. So you have people. That help you for your purpose, and the universe will course correct you. You’re like, okay, I got this calling, so I need to listen and I need to make it happen. Gissele: Hmm. Yeah. I totally agree with that. Gissele: That has been [00:28:00] my experience as well, in terms of being called to do something. I never thought like this podcast is one of ’em, right. I thought I was gonna be working within the child welfare system until the day that I died. And so, yeah, like doing some of the things I’ve done were sort of like a higher calling, but not anything that my ego self had thought or desired. Gissele: Right. Right. none of these things were in my plan. Rebecca: Yeah. It comes totally unexpected. You’re like, what? It’s like a download and Gissele: Yeah, and, The interesting part is that sometimes it doesn’t mean what you think it means either, right? so like you was guided to write a book and then I thought, well, maybe the book is it. Gissele: This is what I’m gonna do, and it did well. But then that wasn’t supposed to be the thing. Because then because of the book, I did a TEDx talk and because of the TEDx talk, I’m now doing this documentary, so it’s steps I couldn’t have put [00:29:00] together. and what you had said earlier, it takes an enormous amount of trust. Gissele: Yes. even with communicating with animals on the other side. It takes trust because it goes against the grain of what we’ve been taught. We’ve been taught that, you know, seeing is believing, right? it’s only what I can physically touch or feel with my senses that is real or truth. what helped you gain trust in your life in that inner guidance or voice? Rebecca: Doing the documentary, it took 14 years. Gissele: Oh, wow. Yeah. Can you talk a little bit about it? Rebecca: Sure. It’s a documentary about my families when I was growing up. There’s sexual abuse in there. there’s alcoholism talked about in there. There’s suicide talked about in there. And mental health. Both my mother and brother were quote. Rebecca: Diagnosed with [00:30:00] paranoid schizophrenia, and to this day, I’ll never believe that. I think they were hearing other dimensions, but anyway. Mm-hmm. Gissele: Mm-hmm. Rebecca: My brother left and was missing for 20 years, but I always knew he was alive, always, and through a miracle. It was time for us to find each other and he was the catalyst of the film. Rebecca: And that’s when I got this calling. And I wanted to, express to people that he’s not this diagnosis. He is a person’s he is an incredible loving individual very. Observant and he passed away 2012. his contract was up and but the thing is, I learned so much through doing all of this and I hope that people were, able to relate [00:31:00] that. Rebecca: having, medication isn’t always the cure and I fought for that for a long time. So it’s a very vulnerable, very transparent, it speaks the truth and it’s a tough film to watch but it’s a also a very happy film.And it gives people hope and it’s through forgiveness and compassion. Gissele: Which I feel are very important messages. It’s interesting. I used to work at somewhere called cmh, which was a center for mental health and addictions. And I used to help as a student run a social program for people who were diagnosed with schizophrenia. And I remember having a conversation with individuals and they would talk about how. Gissele: The awareness that they had when they would have episodes some of the reasons why they didn’t take their medication, especially young women, they would gain weight. And so they didn’t feel that the doctors always understood the [00:32:00] other impacts of the medication and the stigma that they felt that was out there like every person who is diagnosed with schizophrenia is violent. Gissele: And somehow it’s gonna lead to them killing someone, which was not true at all. These people were very kind and generous, and, compassionate. and vulnerable. They were more vulnerable to harm themselves than to harm someone else. But there’s always this misconception because there’s always so much fear you know, fear causes us to kind of dehumanize others, right? Gissele: Because we’re so stuck in survival. Documentaries like yours and conversations really help us have more compassion for others when we have greater understanding that just because somebody’s going through something does not mean that they’re gonna harm someone else. Gissele: And so I think that’s a very important message. Rebecca: Absolutely. And I felt like that with the voices that he was hearing, because he was extremely empathic. [00:33:00] Gissele: Mm-hmm. And Rebecca: he was just tuning in. And my mother, same thing. They were tuning in and they didn’t know how to channel all these voices that they were hearing from dimensions. Gissele: of course. Yeah, So last question. What is your definition of unconditional love? Rebecca: Oh, that’s such a good question. Hmm. Seeing the person for who they really are Gissele: Hmm. Mm-hmm. Rebecca: Let them be seen for who they really are without any judgment. Gissele: Yeah. Yeah. You could remove the lens of judgment. We could see each other as as authentically as we truly are. Exactly the beautiful way to end. Rebecca: Thank you, and I thoroughly enjoyed this conversation. Yeah. I’m so glad we could connect. Gissele: Yes, me too. Thank you so, so much for being [00:34:00] on the show, and thank you for those who tune into the Love and Compassion Podcast with Gissele Rebecca: Bye bye. Thank you.

A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: Baptists for the Holy Roman Empire, the Variant at 1 Timothy 3:16 Subtitle: The Dividing Line 2026 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Podcast Date: 1/15/2026 Length: 67 min.

JP Dinnell sits down with the guys from Relive Health to talk about the treatments that helped him recover after his biceps tear.  Get your free training from First In Nutrition: https://www.firstinnutrition.com/jppod More from JP Dinnell: https://www.jpdinnell.com/ Join the conversation on instagram JP Dinnell: http://instagram.com/jpdinnell/ Lucas Pinckard: https://www.instagram.com/lucaspinckard Bruiser Arms: https://www.instagram.com/bruiserarms Echelon Front: https://echelonfront.com/ Little Cattle Co: http://littlecattle.co On The Path Printing: https://www.instagram.com/onthepathprinting JP Dinnell is a former U.S. Navy SEAL and now a Leadership Instructor, Speaker and Strategic Advisor with Echelon Front, where he serves as Director of Experiential Leadership Training Programs. J.P. is also a pro team athlete and spokesperson for Origin Maine and Jocko Fuel, an American clothing and supplement company. J.P. has a signature Energy Drink flavor "Sour Apple Sniper" with Jocko Fuel. Jeremiah spent nearly a decade in the SEAL Teams with three combat deployments. Sent to the violent terrorist stronghold of Ar Ramadi, Iraq in 2006 with SEAL Team Three's Task Unit Bruiser, J.P. served as point man, machine gunner, and lead sniper for Delta Platoon opposite the American Sniper, Chris Kyle, who was in Charlie Platoon. For his leadership and courage under fire, JP was awarded a Silver Star, 2 Bronze Stars with Valor and the Army Commendation Medal with Valor helping Task Unit Bruiser to become the most highly decorated special operations unit of the Iraq War. He worked closely with SEAL Officers Jocko Willink, his Task Unit Commander, and Leif Babin, and was the driving force on many of the daring combat operations Jocko and Leif wrote about in Extreme Ownership. Upon his return, J.P. again worked directly for Jocko as a training instructor at Naval Special Warfare Group One Training Detachment, where he orchestrated realistic and challenging training scenarios for Special Operations Urban Combat training and Close Quarters Combat training to better prepare SEAL units for the real-world battlefield. He also served as a Combatives Instructor, Marksmanship Instructor and earned his Master Trainer Specialist qualification while helping Jocko rebuild and enhance these training programs into the highly effective platforms they are today. J.P. brings exceptional experience and frontline leadership perspective from the winning mindset and culture of Task Unit Bruiser.

For many Americans, taking part in a debate is just about the last thing they'd put on their dance card.But Braver Angels debates are different. In this episode Sam Rechek explains why.“Braver Angels debates are fun,” Sam tells us. “We've created a structure where people can have productive disagreements about contentious issues. That's something many yearn for, and they get interested in really fast.”Unlike most debates, there are no “winners” or “losers”. Speakers at Braver Angels debates are often passionate, but they can't interrupt or be snarky about the other side. Compelling arguments are made on both sides in a respectful way. Different viewpoints about an issue are warmly welcomed, but all comments must be addressed to the chair, not directly to the person you disagree with.“There's a real hunger for environments where people can have productive disagreements and mutual understanding”, says Sam. In our interview we also discuss LAPP skills, and the concept of courageous citizenship.Many of our beliefs about politics and controversial events are formed, or at least influenced, by fleeting impressions: Hot takes on social media, sound bites on TV and radio, and comments by those we know. This episode makes the case for going deeper and spending time with those you may passionately disagree with.Sam Rechek is Program Coordinator for the Braver Angels Debate Team. Several years ago as a undergraduate at the University of South Florida, Sam worked with FIRE - the Foundation for Individual Rights and Expression and Heterodox Academy. He founded a student organization, First Amendment Forum—1AF—which developed into a venue for contentious discourse and advocacy for free speech principles. Sam holds a BA in Philosophy and Political Science from USF and an MA in Legal and Political Theory from University College London."How Do We Fix It?" reports on the people, projects and ideas of Braver Angels, the nation's largest cross-partisan volunteer-led movement to bridge partisan divides. Hosted on Acast. See acast.com/privacy for more information.

Join Angela and Dr William Li for a look at the complex world of heart health and hormonal shifts, in which they tackle the often-confusing link between menopause and rising cholesterol levels, debunking common myths and providing clarity on the real risks of high LDL.  Dr. Li shares his expert insights on the nuances of heart disease prevention, the importance of blood sugar balance, and how a holistic, evidence-based approach can help you navigate these sudden health changes with confidence and balance. KEY TAKEAWAYS: High LDL cholesterol is linked to an increased risk of cardiovascular disease because it can build up as plaque in the arteries and impede blood flow. Total cholesterol levels are no longer the primary indicator of heart disease risk; instead, doctors focus on the ratio of "good" HDL to "bad" LDL cholesterol. While some people have genetic predispositions to extremely high cholesterol, modern medicine emphasises a more nuanced understanding of different cholesterol components. Maintaining blood sugar balance is crucial, but health influencers often exaggerate the dangers of minor "spikes" and "crashes" that are actually normal bodily functions. TIMESTAMPS AND KEY TOPICS: 0:45 How LDL cholesterol sticks to artery walls like "Velcro," 1:42 How medical understanding has evolved from tracking total cholesterol to focusing on HDL/LDL ratios. 3:07 The influence of health influencers on public anxiety regarding blood sugar and cholesterol levels. 4:03 Importance of "homeostasis" and how the body naturally strives for balance in its systems. VALUABLE RESOURCES ⁠Join The High Performance Health Community⁠ ⁠Click here⁠ for discounts on all the products I personally use and recommend A BIG thank you to our sponsors who make the show possible ABOUT THE HOST Angela Foster is an award winning Nutritionist, Health & Performance Coach, Speaker and Host of the High Performance Health podcast. A former Corporate lawyer turned industry leader in biohacking and health optimisation for women, Angela has been featured in various media including Huff Post, Runners world, The Health Optimisation Summit, BrainTap, The Women's Biohacking Conference, Livestrong & Natural Health Magazine. Angela is the creator of BioSyncing®️ a blueprint for ambitious entrepreneurial women to biohack their health so they can 10X how they show up in their business and their family without burning out. CONTACT DETAILS ⁠Instagram⁠ ⁠Facebook⁠ ⁠LinkedIn⁠ Disclaimer: The High Performance Health Podcast is for general information purposes only and do not constitute the practice of professional or coaching advice and no client relationship is formed. The use of information on this podcast, or materials linked from this podcast is at the user's own risk. The content of this podcast is not intended to be a substitute for medical or other professional advice, diagnosis, or treatment. Users should seek the assistance of their medical doctor or other health care professional for before taking any steps to implement any of the items discussed in this podcast. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Did you know that your speaking style depends on your personality? Tune in to learn how to define your style and start speaking with more confidence.Get my book The Four Speaking Energies: Unlock Your Natural Power as a Speaker - https://www.amazon.com/FOUR-SPEAKING-ENERGIES-Natural-Speaker-ebook/dp/B0G23CPT9TConnect for more: https://www.linkedin.com/in/natashabazilevych/https://www.facebook.com/nbazilevich/https://www.instagram.com/natbazilevych/https://natashabazilevych.com/

The All Local Afternoon Update for Friday, January 16 2026

Investors will be closely watching more bank earnings reports and another group of Fed speakers on Friday after TSM's strong earnings report boosted chip stocks yesterday.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Friday, January 16, 2026 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 1/16/2026 Length: 28 min.

What if a simple LinkedIn message could get you on the phone with decision-makers immediately? In this episode, Jason Fishman shares how DNA has worked on over 500 investment crowdfunding campaigns that have collectively produced nine figures of capital. His agency specializes in investor marketing and user acquisition, helping brands raise capital through Reg CF, Reg A+, and Reg D filings. Jason's mission stems from a sobering statistic: nine out of ten businesses fail in their first year, and nine out of ten that survive fail the next year. Many of them fail because they're undercapitalized. By using his digital marketing skillset to bring the right investors to marketing funnels and measure actual conversion and return on ad spend, Jason helps companies that are having trouble meeting new investors access the capital they need to survive and thrive. He reveals how he met his business partner Tim Martinez at a 2009 conference after almost skipping a workshop. Jason waited in line 10-15 minutes just to talk to Tim, and that conversation eventually led to co-founding DNA together. Jason also shares his LinkedIn outreach strategy: send 25 invitations per day with customized messaging, look for a 20% acceptance rate, and include a scheduling link by message three. This simple tactic helped DNA connect with FINRA regulated portals and build the strategic partnerships that became instrumental to their success.   [00:05:20] DNA: Investor Marketing and User Acquisition Focused on investor acquisition, targeting investors with advertising and outreach Worked on over 500 deals that collectively produced nine figures of capital Campaigns in 2025 alone have surpassed $100 million raised altogether Helps brands that are having trouble meeting new investors [00:06:20] Why Jason Does This Work Nine out of ten businesses fail in first year, nine out of ten that survive fail the next year Many fail because they're undercapitalized Can use digital marketing skillset to bring right investors to marketing funnel Measure conversion, return on ad spend, total transactional value [00:07:20] Background in Ad Tech Part of social gaming startup in Los Angeles, played role in capital raise Raised over $3 million in seed capital, created countless versions of deck Company merged with advertising network, started working with Fortune 500s Quickly found fundraising was common part of conversation [00:08:20] First Campaign: $2.83 Million First campaign through Reg D 506(c) which allows solicitation of accredited investors Able to target high net worth, high household income audiences with advertising Raised $2.83 million on first campaign for Rayon Solar back in 2015 Reg CF (Regulation Crowdfunding) went into effect May 2016 [00:09:00] The Filings Available Today Can raise up to $5 million on Reg CF campaign Up to $75 million on Regulation A+ campaign (hoping for $150 million soon) Important to have specialization and niche as marketing agency Fell into this area, succeeded, kept getting introductions [00:11:00] What Inspires Jason Most Stat that nine out of ten businesses fail is not acceptable Part of LA accelerator community, works with universities and founders Want to make sure right eyeballs are on their products, companies, brands Funding could be make or break for them [00:12:00] Watching Companies Grow Watch clients' teams grow, their offices, their equipment, market share Seen groups go from $20 million valuations to $3.5 billion valuations Part of Crowdfund Professional Association working on tax credit for investors Would put Regulation Crowdfunding on tax form for every American [00:15:40] Meeting Tim Martinez in 2009 Met at SR Action Sports Retail conference in San Diego Almost didn't attend workshop, last minute walked into "50 Ways to Promote Your Skate Shop" Tim was professional skateboarder, worked in snow/skate/surf sports world 50-100 business owners taking notes on everything Tim said [00:16:20] Waiting in Line 15 Minutes Had to wait in line 10-15 minutes to talk to Tim after presentation First thing Tim asked: "How old are you?" (Tim few years older) Hit it off, had great discussion Tim said "I'm in Hollywood, you're in Hollywood, why don't we grab coffee sometime?" [00:17:00] The Path to Partnership Started pulling Tim into projects at agency, later worked for Tim's agency When Jason was at ad network, Tim asked if interested in starting new firm Tim was consulting companies with no idea about digital marketing Created DNA together, Tim has brought in countless introductions since [00:19:00] Don't Be Bashful Don't let self-doubt and little thoughts stop you ("maybe I'm too young or he's busy") Everyone wants to talk to speakers, why stick around? But Jason did Speakers are there for a reason, looking to have outcome for their time They're thought leaders, experts, probably things you can do together [00:20:40] How Tim Led to Crowdfunding Wouldn't have been possible without relationship with Tim Tim's relationship with Fundable introduced them to Reg D campaigns After success, Tim had friend in film industry with crowdfunding company That partner brought them to first Reg CF campaign in May 2016 [00:25:20] Building Strategic Partnerships Building strategic partnerships has been instrumental to success Would tell founder to incorporate into business plan, marketing plan, model Went to great lengths because saw how effective it was LinkedIn outreach in 2017-2018 got DNA on phone with portals right and left [00:26:00] The LinkedIn Strategy Can send 25 invitations per day from your profile Search by company, job title, company size, industry, zip code Send message with invitation, look for 20% or higher acceptance rate By message three, add scheduling link to streamline booking process [00:27:00] Customized Outreach Have very clear call to action, very visible opportunity on how to connect Every founder, if not every professional, should be doing this Start manually, really customize messaging Build relationships with people who can introduce you to target audience [00:30:00] Do More Don't think "I have a few relationships, I'll hit my goal" It's all about driving enough traffic at high enough conversion rate 50,000 visits per million raised at 2% conversion rate and $1,000-$2,000 average investment Engage experts, talk to people, do not be bashful   KEY QUOTES "It's all about relationships. Your net worth is your network. Some people say it the other way around. Your network is your net worth." - Jason Fishman "Whether they're on television or a billionaire or leading a workshop or whatever it may look like, don't be afraid to go up to 'em and talk to 'em. There's no telling what it could look like 16 years into that relationship." - Jason Fishman "Building strategic partnerships has been instrumental to the success of our business, and it's something I would tell a founder to incorporate into their business plan, marketing plan, and their model." - Jason Fishman CONNECT WITH JASON FISHMAN 

In this episode, we discuss what it means to trust God in seasons where it feels like you're being pulled back instead of moving forward. Using the metaphor of a slingshot, we explore how tension, waiting, and preparation are not setbacks but divine positioning for release at the right time, into the very place you've been working and praying to reach…and beyond. This podcast, Journey Toward More, is available on iTunes, Google, iHeartRadio, Spotify, and Amazon Music/Audible. And remember: *Subscribe and Share *Download *Listen to previous episodes *Review and Comment *Rate and Like Follow for new episodes! Previous episodes are available. Join me on the journey and aspire for more! All links available here: http://linktr.ee/drtammyfranci... RESOURCES: For more information about and/or join our community, visit http://c4cglobalacademy.mn.co ******************* Join Read with us! Join our online reading community: https://c4cglobalacademy.mn.co ***************** SUBSCRIBE to my YouTube channel, Dr. Tammy Francis. https://www.youtube.com/@DrTammyFrancis?sub_confirmation=1 •Turn on your NOTIFICATIONS so you are notified when there's new content. You will find videos and podcast episodes there. • Give the videos a THUMBS UP as you watch or listen. ***************** Grab your copy of the Playbook, “Manifesting More: A Playbook for Planning and Living on Purpose,” “You Can,” “R.E.A.P. More” and “Reading as a Social Action: Women Aspiring for More” at DrTammyFrancis.com or online at Amazon. ******************* CONNECT WITH DR. TAMMY: Linkedin: https://www.linkedin.com/in/dr... Be sure to follow me across all social media platforms (Facebook, Instagram, X (formerly known as Twitter), and TikTok @DrTammyFrancis. Connect with me via https://linktr.ee/drtammyfranc... Also, visit www.catalyst4changeglobal.net. Follow @c4cglobal1 across social media. ABOUT DR. TAMMY: Affectionately called Dr. Tammy, The Catalyst, she is the founder and CEO of Catalyst 4 Change Global, LLC. Dr. Tammy is an edupreneur. She is a Solutionist, Strategist, and Educator. She is a Consultant, Educational Researcher, Speaker, Author, Podcaster, Mentor, and Traveler. Dr. Tammy has a Ph.D. in Curriculum and Instruction and has taught for over 25 years in the traditional educational system--grades 6-12 and higher education. Dr. Tammy has a holistic approach to learning and development. Dr. Tammy helps women clarify the vision for their business (or idea), create an action plan, execute a strategy, and monetize their purpose. She is the catalyst who helps women entrepreneurs and leaders bring their ideas (dreams) to reality. She helps women create a strategy and action plan to upskill, reskill, and retool and provide access to resources to assist in their transition and growth. She has served as a catalyst and helped people in more than 15 countries with purpose-driven, creative solutions while preparing for the future. All that she does is grounded in and inspired by her work and philosophy as a JEDI (Justice, Equity, Diversity, and Inclusion >>> Belonging + Access) advocate.Become a supporter of this podcast: https://www.spreaker.com/podcast/journey-toward-more--2901965/support.

We all felt second hand embarrassment for today's Masked Speaker, who tried to get a hot guy's attention in the middle of a 5K race... She had never told this story, besides to the FIREFIGHTERS who had to rescue her!See omnystudio.com/listener for privacy information.

Industrial Talk is talking to Jason Kruger, Partner at Citrin Cooperman about "Capital access starts with a trusted advisor focused on your success". Scott Mackenzie hosts the Industrial Talk podcast, featuring industry professionals like Jason Kruger from Citrin Cooperman. The conversation covers the importance of podcasting for business, emphasizing its role in building authority, trust, and engagement. Jason discusses his firm's services, focusing on outsourced accounting and CFO advisory, and their unique approach to client support. He highlights the impact of tariffs on manufacturing profitability and the necessity of accurate financial reporting for accessing capital. Jason also touches on the role of AI in enhancing efficiency and decision-making in financial processes. The discussion underscores the value of human connection and strategic financial planning in business success. Action Items [ ] Publish the guest's contact information on the Industrial Talk website and episode page so listeners can reach the guest[ ] Provide placement of a guest's podcast on the Industrial Talk platform upon the guest's request (listener must ask to proceed) Outline Introduction and Purpose of the Podcast Scott welcomes listeners and highlights the importance of celebrating innovators and problem solvers in the industry.The podcast aims to tell the stories of industry professionals and discuss topics like access to capital and financial strategies.Scott shares his passion for finance and the importance of financial conversations in every organization. The Value of Podcasting Scott expresses frustration with companies that do not see the value in podcasting.He shares his personal journey into podcasting, inspired by the widespread popularity of podcasts.Podcasting is presented as a way to create human connections, build authority, and improve engagement.Speaker 2 emphasizes the tangible financial rewards and SEO benefits of podcasting. Challenges and Opportunities in Podcasting Scott discusses common objections to starting a podcast, such as lack of personnel or time.He encourages companies to prioritize creating content and human connections through podcasting.The podcasting process is described as relatively inexpensive and straightforward.Scott offers to help companies distribute their podcasts on the Industrial Talk platform for greater exposure. Introduction of Jason Kruger Scott introduces Jason Kruger, a partner at Citrin Cooperman, and sets the stage for a discussion on financial topics.Jason Kruger joins the conversation, mentioning his location in San Diego, California.Scott and Jason share personal anecdotes about San Diego and their experiences there.Jason provides a brief overview of his background and his current role at Citrin Cooperman. Citrin Cooperman's Services and Approach Jason explains that Citrin Cooperman is a top 15 national CPA firm, specializing in tax, financial statement audits, and advisory services.He highlights his focus on outsourced accounting and CFO advisory services, as well as valuation work and mergers and acquisitions.Jason shares his experience at Deloitte and the inspiration behind starting Signature Analytics in 2008.The company was acquired by Citrin Cooperman a year ago, and Jason continues to support clients in a partner role. Differentiating Citrin Cooperman Jason discusses how Citrin Cooperman differentiates itself from other CPA firms by focusing on the client's specific needs and pain points.The firm does not just provide bodies but offers a...

A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: Icon Veneration Debate Announcement, then Barrett’s Students Converting Subtitle: The Dividing Line 2026 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Podcast Date: 1/14/2026 Length: 62 min.

Hosted by Chris Beckett & Shane Ludtke, two amateur astronomers in Saskatchewan. actualastronomy@gmail.com In this podcast (Episode 519) we talk with a special guest & long-time listener Clint Reading (from Nebraska, formerly from Idaho) about his astro-tourism trips to OzSky which is a biannual event for amateur astronomers from the northern hemisphere to have the opportunity to see the southern skies. We learn how to prepare for an astronomy trip to Australia, what to bring to get the most out of a week under the southern stars and how you can take advantage of these events. This is part of our New Years resolution to have more listener guests since there are so many of you doing astronomy activities that Shane and I can only dream of.    Introduction: So welcome to the show Clint! We've been chatting for years so it's great to speak in person. Can you tell us a little about where you are and how you became interested in astronomy? How have you progressed through the hobby? Are you in any clubs? Are you visual, imaging, both? What equipment are you using? You've had some interesting adventures I recall you went to Lowell a couple years back to a public event, how was that?   Main Show: Let's talk about your trip down south to OzSky (not to be confused with Ozzfest) So where is OzSky and what is it exactly? What is OzSky exactly? How is it organized? days/nights?  Speakers? Cost? Other amateurs? How did you plan for the trip? What did you take for equipment and observing guides? What equipment do they provide? Day trips?   Conclusion: Does anyone have anything to add? Thanks for joining us today Clint, we really appreciate it. Clear skies!   We've added a new way to donate to 365 Days of Astronomy to support editing, hosting, and production costs.  Just visit: https://www.patreon.com/365DaysOfAstronomy and donate as much as you can! Share the podcast with your friends and send the Patreon link to them too!  Every bit helps! Thank you! ------------------------------------ Do go visit http://www.redbubble.com/people/CosmoQuestX/shop for cool Astronomy Cast and CosmoQuest t-shirts, coffee mugs and other awesomeness! http://cosmoquest.org/Donate This show is made possible through your donations.  Thank you! (Haven't donated? It's not too late! Just click!) ------------------------------------ The 365 Days of Astronomy Podcast is produced by the Planetary Science Institute. http://www.psi.edu Visit us on the web at 365DaysOfAstronomy.org or email us at info@365DaysOfAstronomy.org.

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Thursday, January 15, 2026 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 1/15/2026 Length: 27 min.

Tommy from the OC shares his journey through anxiety, OCD, alcoholism, and addiction, leading to his current years of sobriety. With a steady, calm delivery, Tommy reflects on how the rooms of AA—along with his willingness and effort—brought him the gift of recovery and peace.Sobriety Date: 2/20/2022Referred by: Caleb (Episode #269)InstagramFacebook

A new MP3 sermon from Founders Baptist Church is now available on SermonAudio with the following details: Title: Finding Peace When the World Feels Out of Control Subtitle: 01 Straight Truth Podcast Speaker: Richard Caldwell Jr. Broadcaster: Founders Baptist Church Event: Podcast Date: 1/14/2026 Bible: 1 Thessalonians 4:10-12; John 16:33 Length: 23 min.

NFC North Chaos: Bears Crush Packers, Addison Arrested & Playoff Previews!

Thanks for listening to the podcast! If you are a first-time listener, welcome to the CMC family! Our heart behind this podcast is to serve, so we hope today's content equips and challenges you to be all that God has called you to be! If you would like to know more, please follow us on Instagram, Facebook, and YouTube.

Check out the January Top Ten Leadership List. And our guest is CARLOS WHITTAKER, a Best-selling author of multiple books, including his most recent book Reconnected. Carlos is a speaker, curator of the InstaFamilia community on Instagram, host of the Carlos Whittaker Podcast, and now a filmmaker and documentary creator with his most recent RECONNECTED Documentary. We discuss his latest recommend items, being a philanthropist, learning golf, weddings, Atlanta Falcons, Human School, and much more. Plus, check out the January Top Ten Leadership List. Make sure to visit http://h3leadership.com to access the list and all the show notes. Share them with your team, repost the lists, and follow and subscribe. Thanks again to our partners for this episode: FOSTER THE CITY – Foster the City was launched out of Echo Church in CA, and now over 350 churches are raising up Foster Families and Support Teams to take on the thousands of kids needing a foster family. Learn more at http://fosterthecity.org. Be part around the country in this national movement. Working towards a day when there will be a waiting list of churches instead of a waiting list of children in need of a home. Foster the City believes there is a church for every child. Learn how you and your church can partner and get involved at http://fosterthecity.org. And COME and SEE FOUNDATION – reaching a billion people with the story of Jesus. Visit http://comeandseefoundation.org. Come and See Foundation is on a mission to ensure that all 7 seasons of The Chosen are produced, translated into 600 languages, globally distributed, and kept FREE for all. From Michigan to Madagascar, people are encountering Jesus through The Chosen, Join Come and See in inviting a billion people to find and follow Jesus. You can play a supporting role in introducing the world to Jesus. Lean more and get involved at http://comeandseefoundation.org.

This week's theme: Charisma In this From Fear to Fire interview, Heather Hansen O'Neill speaks with Eleni Kelakos about charisma as an innate quality rooted in authenticity and presence, not performance. Eleni describes charismatic presence as a dynamic life force that draws people in when we are fully present, grounded, and real. Through her experiences as an actress and speaker, she explains how fear and self-doubt can dim this natural spark, and how reconnecting to the moment allows charisma to re-emerge naturally. The conversation also reframes fear as a powerful teacher rather than a limitation. Eleni shares practical tools for accessing charisma, including grounding the body, regulating breath, setting intention, and shifting limiting beliefs. She emphasizes that people feel our energy before they hear our words, and that true influence comes from emotional alignment and connection. Ultimately, the interview highlights that charisma is strengthened through practice, self-awareness, and the courage to show up fully, even in life's most challenging moments. From Fear to Fire: Secrets to Overcome Fear, Embrace Your Gifts and Achieve Success This is the place where real people share real challenges. Where you can find a common bond and uncommon wisdom through their stories. Use tips from the breakthroughs of others to jump-start your success. Speaker, author, adventurer, and host Heather Hansen O'Neill takes you on the journey from fear to fire.  Today, we explore how charisma is an innate, learnable presence that grows when we meet fear with authenticity, self-awareness, and intentional connection. Eleni Kelakos Eleni Kelakos CSP®, The Speaker Whisperer®, uses performance techniques to help executives worldwide be more relatable and magnetic as speakers and leaders. When she’s not coaching individuals or facilitating training at companies like GM or Allstate, Eleni practices what she preaches, empowering audiences with her signature keynote presentations. A graduate in both Theater Arts and Semiotics from Brown University, Eleni is a past president of the National Speakers Association of Michigan. She has recorded four critically acclaimed CDs of original songs, and released three award-winning, bestselling books: Touch The Sky, Claim The Stage, and Charismatic Presence. Connect with Eleni: Website: The Eleni Group LinkedIn: Eleni Kelakos, CSP Facebook: Eleni Kelakos Instagram: @eleni.kelakos Visit the home page of my website and sign up for my 5 Ways To Minimize Stage Fright, Amp Up Your Presence, And Wow Any Audience free ebook. Quote of the Day: “Charisma is a sparkle in people that money can't buy. It's an invisible energy with visible effects.” ~Marianne Williamson Finding Humanity: The Evolution of Sales is out now. Check it out here! The post Charisma with Eleni Kelakos appeared first on Heather Hansen Oneill.

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Wednesday, January 14, 2026 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 1/14/2026 Length: 27 min.

What happens when a leader's greatest lesson comes from surviving a broken heart—literally? In this episode of the Build A Vibrant Culture Podcast, Nicole Greer sits down with Hanna Bauer, founder and CEO of Heartnomics, to explore a powerful, human-centered approach to leadership rooted in hope, empowerment, accountability, results, and trust.Hanna shares her extraordinary personal story—surviving childhood heart disease and undergoing a pioneering heart ablation procedure that changed the course of her life. That experience became the blueprint for her leadership philosophy: restore rhythm, reclaim human potential, and lead with both heart and precision.Together, Nicole and Hanna dive into Hanna's book, Hustle With Heart: 52 Mini Shifts to Maximize Your Impact, and explain why sustainable leadership transformation doesn't happen through massive overhauls—but through small, intentional daily shifts.If you're a leader who wants stronger culture, clearer accountability, and results that actually last—this conversation will energize and equip you.Vibrant Highlights:00:02:20 – 05:05 - Hanna shares how surviving childhood heart disease—and an experimental procedure—taught her the power of clear pathways, innovation, and learning through failure05:58 – 07:45 - Why great leadership requires both human-centered love and systematic excellence—and how leaders balance people, process, and performance.09:20 – 12:30 - Hope as a catalyst for change, momentum, and problem-solving—especially when solutions aren't obvious.13:20 – 15:05 - Why leaders unintentionally disempower teams—and how real empowerment fuels growth, learning, and confidence.25:45 – 30:17 - How trust starts with yourself, fuels delegation and innovation, and sustains long-term impact—even when results aren't immediately visible.Connect with Hanna!Hanna's website: www.heartnomics.comHanna's book: Hustle with Heart https://a.co/d/cTLuK62LI: https://www.linkedin.com/in/bauerhannaFB: https://facebook.com/hannad.bauerIG: https://www.instagram.com/hannabauer777/YouTube: https://www.youtube.com/@heartnomicsFREE Assessment: https://heartnomics.com/assessments/#:~:text=challenges%20and%20goals.-,Assessment,-for%0AOrganizationsAlso mentioned in this episode: The Speed of Trust by Stephen M.R. Covey: https://a.co/d/64nCUzqThe Path by Laurie Beth Jones: https://a.co/d/2QEPT3u (for accompanying document, email nicole@vibrantculture.com)Listen at vibrantculture.com/podcast or wherever you get your podcasts!Book Nicole to help your organization ignite clarity, accountability, and energy through her SHINE™ Coaching Methodology.Visit vibrantculture.comEmail: nicole@vibrantculture.comWatch Nicole's TEDx Talk: https://youtu.be/SMbxA90bfXE

In this episode of Welcome to Cloudlandia, we explore how Miles Copeland, manager of The Police, turned Sting's unmarketable song "Desert Rose" into a 28-million-dollar advertising campaign without spending a dime. The story reveals a powerful principle most businesses miss—the difference between approaching companies at the purchasing department versus the receiving dock. Dan introduces his concept that successful entrepreneurs make two fundamental decisions: they're responsible for their own financial security, and they create value before expecting opportunity. This "receiving dock" mentality—showing up with completed value rather than asking for money upfront—changes everything about how business gets done. We also explore how AI is accelerating adaptation to change, using tariff policies as an unexpected example of how quickly markets and entire provinces can adjust when forced to. We discuss the future of pharmaceutical TV advertising, why Canada's interprovincial trade barriers fell in 60 days, and touch on everything from the benefits of mandatory service to Gavin Newsom's 2028 positioning. Throughout, Charlotte (my AI assistant) makes guest appearances, instantly answering our curiosities. SHOW HIGHLIGHTS How Miles Copeland got $28M in free advertising for Sting by giving Jaguar a music video instead of asking for payment. Why approaching the "receiving dock" with completed value beats going to the "purchasing department" with requests. Dan's two fundamental entrepreneur decisions: take responsibility for your financial security and create value before expecting opportunity. How AI is accelerating adaptation, from tariff responses to Canada eliminating interprovincial trade barriers in 60 days. Why pharmaceutical advertising might disappear from television in 3-4 years and what it means for the industry. Charlotte the AI making guest appearances as the ultimate conversation tiebreaker and Google bypass. Links: WelcomeToCloudlandia.com StrategicCoach.com DeanJackson.com ListingAgentLifestyle.com TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dean Jackson: Mr. Sullivan, Dan Sullivan: Good morning. Good morning. Dean Jackson: Good morning. Good morning. Our best to you this morning. Boy, you haven't heard that in a long time, have you? Dan Sullivan: Yeah. What was that? Dean Jackson: KE double LO Double G, Kellogg's. Best to you. Dan Sullivan: There you go. Dean Jackson: Yes, Dan Sullivan: There you go. Dean Jackson: I thought you might enjoy that as Dan Sullivan: An admin, the advertise. I bet everybody who created that is dead. Dean Jackson: I think you're probably right. Dan Sullivan: Yeah. I was just noticing that. Jaguar, did you follow the Jaguar brand change? Dean Jackson: No. What happened just recently? Dan Sullivan: Yeah. Basically maybe 24. They decided to completely rebrand. Since the rebranding, they've sold almost no cars and they fired their marketing. That's problem. Problem. Yeah. You can look it up on YouTube. There's about 25 P mode autopsies. Dean Jackson: Wow. Dan Sullivan: Where Dean Jackson: People are talking mean must. It's true. Because they haven't, there's nothing. It's pretty amazing, actually, when you think about it. The only thing, the evidence that you have that Jaguar even exists is when you see the Waymo taxis in Phoenix. Dan Sullivan: Is that Jaguar? Dean Jackson: They're Jaguars. Yeah. Dan Sullivan: I didn't know that. Yeah. Well, yeah, they just decided that they needed an upgrade. They needed to bring it into the 21st century. Couldn't have any of that traditional British, that traditional British snobby sort of thing. So yeah, when they first, they brought out this, I can't even say it was a commercial, because it wasn't clear that they were selling anything, but they had all these androgynous figures. You couldn't quite tell what their gender was. And they're dressed up in sort of electric colors, electric greens and reds, and not entirely clear what they were doing. Not entirely clear what they were trying to create, not were they selling something, didn't really know this. But not only are they, and then they brought out a new electric car, an ev. This was all for the sake of reading out their, and people said, nothing new here. Nothing new here. Not particularly interesting. Has none of the no relationship to the classic Jaguar look and everything. And as a result of that, not only are they not selling the new EV car, they're not selling any of their other models either. Dean Jackson: I can't even remember the last time you saw it. Betsy Vaughn, who runs our 90 minute book team, she has one of those Jaguar SUV things like the Waymo one. She is the last one I've seen in the wild. But my memory of Jaguar has always, in the nineties and the early two thousands, Jaguar was always distinct. You could always tell something was a Jaguar and you could never tell what year it was. I mean, it was always unique and you could tell it wasn't the latest model because they look kind of distinctly timeless. And that was something that was really, and even the color palettes of them were different. I think about that green that they had. And interesting story about Jaguar, because I listened to a podcast called How I Built This, and they had one of my, I would say this is one of my top five podcasts ever that I've listened to is an interview with Miles Copeland, who was the manager of the police, the band. And in the seventies when the police were just getting started, miles, who was the brother of Stuart Copeland, the drummer for the police. He was their manager, and he was new to managing. He was new to the business. He only got in it because his brother was in the band, and they needed a manager. So he took over. But he was very, very smart about the things that he did. He mentioned that he realized on reflection that the number one job of a manager is to make sure that people know your band exists. And then he thought, well, that's true. But there are people, it's more important that the 400 event bookers in the UK know that my band exists. And he started a magazine that only was distributed to the 400 Bookers. It looked like a regular magazine, but he only distributed it to 400 people. And it was like the big, that awareness for them. But I'll tell you that story, just to tell you that in the early two thousands when Sting was a solo artist, and he had launched a new album, and the first song on the album was a song called Desert Rose, which started out with a Arabic. It was collaboration with an Arabic singer. So the song starts out with this Arabic voice singing Arabic, an Arabic cry sort of thing. And this was right in the fall of 2001. And Speaker 1: Yeah, that's a good, Dean Jackson: They could not get any airplay on radio airplay. You couldn't get American airplay of a song that starts out with an Arabic wailing Arabic language. And so they shot a video for this song with Chebe was the guy, the Che Mumbai, I guess is the singer. So they shot a video and they were just driving through the desert between Palm Springs and Las Vegas, and they used the brand new Jaguar that had just been released, and it was really like a stunning car. It was a beautiful car that was, I think, peak Jaguar. And when Miles saw the video, he said, that's a beautiful car. And they saw the whole video. He thought you guys just made a car commercial. And he went to Jaguar and said, Hey, we just shot this video, and it's a beautiful, highlights your car, and if you want to use it in advertising, I'll give you the video. If you can make the ad look like it's an ad for Sting's new album. I can't get airplay on it now. So Jaguar looked at it. He went to the ad agency that was running Jaguar, and they loved it, loved the idea, and they came back to Miles and said, we'd love it. Here's what we edited. Here's what we did. And it looks like a music video. But kids, when was basically kids dream of being rock stars, and what do rock stars dream of? And they dream of Jaguars, right? And it was this, all the while playing this song, which looked like a music video with the thing in the corner saying from the new album, A Brand New Day by Sting. And so it looked like a music video for Sting, and they showed him an ad schedule that they were going to purchase 28 million of advertising with this. They were going to back it with a 28 million ad spend. And so he got 28 million of advertising for Stings album for free by giving them the video. And I thought, man, that is so, it was brilliant. Lucky, lucky. It was a VCR. Yeah. Lucky, Dan Sullivan: Lucky, lucky. Dean Jackson: It was a VCR collaboration. Perfectly executed. Dan Sullivan: Yeah. Yeah. It just shows that looking backwards capability, what I can say something that was just lucky looks like capability. Dean Jackson: Yeah, the whole, Dan Sullivan: I mean, basically it saved their ass. Dean Jackson: It saved Sting and Yeah. Oh yeah. But I think when you look in the, Dan Sullivan: No, it was just lucky. It was just lucky. I mean, if there hadn't been nine 11, there's no saying. There's no saying it would've gone anywhere. Dean Jackson: Right, exactly. Dan Sullivan: Well, the album would've gone, I mean, stain was famous. Speaker 1: It would've Dan Sullivan: Gone, but they probably, no, it's just a really, really good example of being really quick on your feet when something, Dean Jackson: I think, because there's other examples of things that he did that would lead me to believe it was more strategic than luck. He went to the record label, and the record label said, he said he was going to give the video to Jaguar, and they said, you're supposed to get money for licensing these things. And then he showed them the ad table that the media buy that they were willing to put behind it. And he said, oh, well, if you can match, you give me 28 million of promotion for the album, I'll go back and get some money from them for. And the label guy said, oh, well, let's not be too hasty here. But that, I think really looking at that shows treating your assets as collaboration currency rather than treating that you have to get a purchase order for it. Most people would think, oh, we need to get paid for that. The record label guy was thinking, but he said, no, we've got the video. We already shot it. It didn't cost us, wouldn't cost us anything to give it to them. But the value of the 28 million of promotion, It was a win-win for everyone. And by the way, that's how he got the record deal for the police. He went to a and m and said, he made the album first. He met a guy, a dentist, who had a studio in the back of his dental. He was aspiring musician, but he rented the studio for 4,000 pounds for a month, and he sent the police into the studio to make their album. So they had a finished album that he took to a and m and said, completely de-risk this for them. We've got the album. I'll give you the album and we'll just take the highest royalty that a and m pays. So the only decision that a and m had to make was do they like the album? Otherwise, typically they would say, we need you to sign these guys. And then they would have to put up the money to make the album and hope that they make a good album. But it was already done, so there was no risk. They just had to release it. And they ended up, because of that, making the most money of any of the a and m artists, because they didn't take an advance. They didn't put any risk on a and m. It was pretty amazing actually, the stories of it. Dan Sullivan: I always say that really successful entrepreneurs make two fundamental decisions at the beginning of their career. One is they're going to be responsible for their own financial security, number one. And number two is that they'll create value before they expect opportunity. So this is decision number two. They created value, and now the opportunity got created by the value that they got created. You're putting someone else in a position that the only risk they're taking is saying no. Dean Jackson: Yeah. And you know what it's, I've been calling this receiving doc thinking of most businesses are going to the purchasing department trying to get in line and convince somebody to write a purchase order for a future delivery of a good or service. And they're met with resistance and they're met with a rigorous evaluation process. And we've got to decide and be convinced that this is going to be a prudent thing to do, and you're limiting yourself to only getting the money that's available now. Whereas if instead of going to the purchasing department, you go around to the back and you approach a company at the receiving dock, you're met with open arms. Every company is a hundred percent enthusiastically willing to accept new money coming into the business, and you're met with no resistance. And it's kind of, that was a really interesting example of that. And you see those examples everywhere. Dan Sullivan: All cheese. Dean Jackson: All cheese. No, whiskers. That's exactly right. Dan Sullivan: Yeah. I mean, it's an interesting, funny, I'm kind of thinking about this. For some reason, my personal email number is entered into some sort of marketing network because about every day now, I get somebody who the message goes like this, dear Dan, we've been noticing your social media, and we feel that you're underselling yourself, that there's much better ways that we personally could do this. And there's something different in each one of them. But if you take a risk on us, there's a possibility. There's a possibility. You never know. Life's that we can possibly make some more money on you and all by you taking the risk. Dean Jackson: Yes, exactly. Send money. Dan Sullivan: Send money. Dean Jackson: Yeah. Dan Sullivan: Yeah. And they're quite long. They're like two or three paragraphs. They're not nine words. They might be nine paragraph emails for all I know, but it's really, really interesting. Well, they're just playing a numbers game. They're sending this out to probably 5,000 different places, and somebody might respond. So anyway, but it just shows you, you're asking someone to take a risk. Dean Jackson: Yes. Yeah. I call that a purchase order. It's exactly it. You can commit to something before and hope for the best hope that the delivery will arrive instead of just showing up with the delivery. It's kind of similar in your always be the buyer approach. Dan Sullivan: What are you seeing there? Whatcha seeing Dean Jackson: There? I mean, that kind of thinking you are looking for, well, that's my interpretation anyway, of what you're saying of always be the buyer is that are selecting from Dan Sullivan: Certain type of customer, we're looking for a certain type of customer, and then we're describing the customer, and it's based on our understanding that a certain type of customer is looking for a certain type of process that meets who they're not only that, but puts them in a community of people like themselves. Yeah. So Dean Jackson: I look at that, that's that kind of thing where one of the questions that I'll often ask people is just to get clarity is what would you do if you only got paid if your client gets the result? And that's, it's clarifying on a couple of levels. One, it clarifies what result you're actually capable of getting, because what do you have certainty, proof, and a protocol around if we're talking the vision terms. And the other part of that is if you are going to get that result, if you're only going to get paid, if they get the result, you are much more selective in who you select to engage with, rather than just like anybody that you can convince to give you the money, knowing that they're not going to be the best candidate anyway. But they take this, there's an element of external blame shifting when they don't get the result by saying, well, everything is there. It's up to them. They just didn't do anything with it. Dan Sullivan: Yeah. I mean, it's a really interesting world that we're in, because we've talked about this before with ai. Now on the scene, the sheer amount of marketing attempts at marketing Speaker 1: Is Dan Sullivan: Going through the roof, but the amount of attention that people have to entertain marketing suggestions and anything is probably going down very, very quickly. The amount of attention that they have. And it strikes me that, and then it's really interesting. There's a real high possibility that in the United States, probably within the next three or four years, there'll be no more TV advertising. The pharmaceuticals. Dean Jackson: Yeah. Very interesting. Dan Sullivan: Pharmaceuticals and the advertising industry is going crazy because a significant amount of advertising dollars really come from pharmaceuticals. Dean Jackson: Yeah. I wonder if you took out pharmaceuticals and beer, what the impact would be. Dan Sullivan: I bet pharmaceuticals is bigger than beer. Dean Jackson: I wonder. Yeah. I mean, that sounds like a job for perplexity. Yeah. Why don't we Dean Jackson: Ask what categories? Yeah, categories are the top advertising spenders. Our top advertising spenders. Dan Sullivan: Well, I think food would be one Dean Jackson: Restaurant, Dan Sullivan: But I think pharmaceuticals, but I think pharmaceuticals would be a big one. Dean Jackson: Number one is retail. The leading category, counting for the highest proportion of ad spend, 15% of total ad spend is retail entertainment. And media is number two with 12% financial services, typically among the top three with 11% pharmaceutical and healthcare holds a significant share around 10%. Automotive motor vehicles is a major one. Telecommunications one of the fastest growing sectors, food and beverage and health and beauty. Those are the top. Yeah, that makes sense. Dan Sullivan: Yeah. But you take, what was pharmaceuticals? Eight, 9%, something like that. 10%. 10%. 10%, 10%. Yeah. Well, that's a hit. Dean Jackson: I mean, it's more of a hit than Canada taking away their US liquor by That was a 1% impact. Dan Sullivan: Yeah. Dean Jackson: Yeah. Dan Sullivan: Well, that's not going anywhere right now. They're a long, long way from an agreement, a trade agreement, I'll tell you. Yeah. Well, the big thing, what supply management is, do you remember your Canadians Dean Jackson: Supply management? You mean like inventory management? First in, first out, last in, first out, Dan Sullivan: No. Supply management is paying farmers to only produce a certain amount of product in order to Dean Jackson: Keep prices up. Oh, the subsidies. Dan Sullivan: Subsidies. And that's apparently the big sticking point. And it's 10,000 farmers, and they're almost all in Ontario and Quebec, Dean Jackson: The dairy board and all that. Yeah. Dan Sullivan: Yep, yep, yep, yep. And apparently that's the real sticking point. Dean Jackson: Yeah. I had a friend grown up whose parents owned a dairy farm, and they had 200 acres, and I forget how many, many cattle or how many cows they had, but that was all under contract, I guess, right. To the dairy board. It's not free market or whatever. They're supplying milk to the dairy board, I guess, under an allocation agreement. Yeah, very. That's interesting. Dan Sullivan: Yeah, and it's guaranteed they have guaranteed prices too. Dean Jackson: They're Dan Sullivan: Guaranteed a certain amount. I was looking at that for some reason. There was an article, and I was just reading it. It was about a dairy farm, I think it was a US dairy farm, and they had 5,000 cattle. So I looked up, how much acreage do you have to have for 5,000 dairy cows? And I forget what the number was, but it prompted me to say, I wonder what the biggest dairy farm in the world is this. So I went retro. I went to Google, and it's what now? Google. You know that? Google that? You remember Google? Oh, yeah, yeah. Old, good old Google. I remember that. Used to do something called a search on Google. Yeah, Dean Jackson: I remember now. Dan Sullivan: Yeah. Well, I went retro. I went retro, and I said, and the biggest dairy farm is in China. It's 25 million acres. Dean Jackson: Wow. In context, how does that compare to, Dan Sullivan: It's a state of South Dakota. It's as big as Dean Jackson: South Dakota. Okay. That's what I was going to say. That's the entire state of Dan Sullivan: Yes, because I said, is there a state that's about the same size? Dean Jackson: I was just about to ask you that. Yeah. Dan Sullivan: It's a Russian Chinese project, and the reason is that when the Ukraine war started, there was a real cutback in what the Russians could trade and getting milk in. They had to get milk in from somewhere else. So it comes in from China, but a lot of it must be wasted because they've got a hundred thousand dairy cows, a hundred thousand dairy cows. So I'm trying to Dean Jackson: Put that, well, that seems like a lot. Dan Sullivan: It just seems like a lot. Just seems like Dean Jackson: A lot. That seems like a lot of acreage per cow. Dan Sullivan: Yeah. Well, they, one child policy, they probably have a one acre, a one 10 acre per cow Dean Jackson: Policy. Yeah, exactly. Dan Sullivan: You can just eat grass, don't do anything else. Just eat grass. Don't even move. But really interested, really, really interesting today, how things move. One of the things that's really interesting is that so far, the tariff policies have not had much. They have, first of all, the stock market is at peak right now. The stock market really peak, so it hasn't discouraged the stock market, which means that it hasn't disturbed the companies that people are investing in. The other thing is that inflation has actually gone down since they did that. Employment has gone up. So I did a search on perplexity, and I said 10 reasons why the experts who predicted disaster are being proven wrong with regard to the tariff policies. And it was very interesting. It gave me 10 answers, and all the 10 answers were that people have been at all levels. People have been incredibly more responsive and ingenious in responding to this. And my feeling is that it has a lot to do with it, especially with ai. That's something that was always seen as a negative because people could only respond to it very slowly, is now not as a negative, simply because the responsiveness is much higher. That in a certain sense, every country in the planet, on the planet, every company, on the planet, professions and everything else, when you have a change like this, everybody adjusts real quickly. They have a plan B, Dean Jackson: Plan B, anyone finds loop Pauls and plan B. That's the thing. Dan Sullivan: Since Trump dropped the notion that he is going to do tariffs on Canada, almost all the provinces have gotten together in Canada, and they've eliminated almost all trade restrictions between the provinces, which have been there since the beginning of the country, but they were gone within 60 Dean Jackson: Days Dan Sullivan: Afterwards. Dean Jackson: It was like, Hey, there, okay, maybe we should trade with each other. Dan Sullivan: Yeah, yeah. Dean Jackson: Very funny. Dan Sullivan: Which they don't because every province in Canada trades more with the United States than with the states close to them across the border than they do with any other Canadian province. Anyway. Well, the word is spreading, Dean, that if you listen to welcome to Cloud Landia, that probably there'll be an AI partner. There'll be an ai. Dean Jackson: Oh, yeah. Word is spreading. Okay, that's good. Dan Sullivan: Yeah, I like that. So let's what Charlotte think about the fact that she might be riding on the back of two humans and her fame is spreading based on the work of two humans. Dean Jackson: Yeah, exactly. Yeah, that's funny. Dan Sullivan: Does she feel a little sheepish about this? Dean Jackson: It's so funny because I think last time I asked her what she was doing when we're not there, and she does like, oh, I don't go off and explore or have curiosity or anything like that. It'll just sit here. I'm waiting for you. It was funny, Stuart, and I was here, Stuart Bell, who runs my new information, we were talking about just the visual personifying her as just silently sitting there waiting for you to ask her something or to get involved. She's never let us down. I mean, it's just so she knows all, she's a tiebreaker in any conversation, in any curiosity that you have, or there's no need to say, I wonder, and then leave it open-ended. We can just bring Charlotte into it, and it's amazing how much she knows. I definitely use her as a Google bypass for sure. I just say I asked, we were sitting at Honeycomb this morning, which is my favorite, my go-to place for breakfast and coffee, and I was saying surrounded by as many lakes as we are, there should be, the environment would be, it's on kind of a main road, so it's got a little bit noisy, and it's not as ideal as being on a lake. And it reminded me of there's a country club active adult community, and I just asked her, is Lake Ashton, are they open for breakfast? Their clubhouse is right on the lake, and she's looking just instantly looks up. Yeah. Yeah. They're open every day, but they don't open until 10, so it was like nine o'clock when we were Having this conversation. So she's saying there's a little bit of a comment about that, but there's not a lakefront cafe. There's plenty of places that would be, there's lots of excess capacity availability in a lot of places that are only open in the evenings there. There's a wonderful micro brewery called Grove Roots, which is right here in Winterhaven. It's an amazing, it's a great environment, beautiful high ceilings building that they open as a microbrew pub, and they have a rotating cast of food trucks that come there in the evenings, but they sit there vacant in the mornings, and I just think about how great that environment would be as a morning place, because it's quiet, it's spacious, it's shaded, it's all the things you would look for. And so I look at that as a capability asset that they have that's underutilized, and it wouldn't be much to partner with a coffee food truck. There was in Yorkville, right beside the Hazelton in the entrance, what used to be the entrance down into the What's now called Yorkville Village used to be Hazelton Lanes. There was a coffee truck called Jacked Up Coffee, and it was this inside. Now Dan Sullivan: It's Dean Jackson: Inside. Now it's inside. Yeah, exactly. It's inside now, but it used to sit in the breezeway on the entrance down into the Hazelton Lane. So imagine if you could get one of those trucks and just put that in the Grove Roots environment. So in the morning you've got this beautiful cafe environment, Dan Sullivan: And they could have breakfast sandwiches. Dean Jackson: Yes. That's the point. That's exactly it. There used to be a cafe in Winterhaven, pre COVID. Dan Sullivan: I mean, just stop by Starbucks and see what Starbucks has and just have that available. Exactly. In the truck. I mean, they do lots of research for you, so just take advantage of their research. But then what would you have picnic tables or something like that? They Dean Jackson: Have already. No, no. This is what I'm saying is that you'd use the Grove Roots Dan Sullivan: Existing restaurant, Dean Jackson: The existing restaurant. Yeah. Which is, they've got Adirondack chairs, they've got those kinds of chairs. They've got picnic tables, they've got regular tables and chairs inside. They've got Speaker 1: Comfy Dean Jackson: Leather sofas. They've got a whole bunch of different environments. That would be perfect. But I was saying pre COVID, there was a place in Winter Haven called Bean and Grape, and it was a cafe in the morning and a wine bar in the evening, which I thought makes the most sense of anything. You keep the cafe open and then four o'clock in the afternoon, switch it over, and it's a wine bar for a happy hour and the evening. Dan Sullivan: Yeah, I mean, it's interesting. I mean, you've got a marketing mind, plus you've got years of experience of marketing, helping people market different things. So it's really interesting that what is obvious to you other people would never think of. Dean Jackson: I'm beginning to see that. Right. That's really an interesting thing. What I have. Dan Sullivan: I mean, it's like I was reflecting on that because I've been coaching entrepreneurs for 50 years, and I've created lots of structures and created lots of tools for them. And so when you think about, I read a statistic and its function of, I think that higher education is not quite syncing with the marketplace, but in December of last year, there was that 45% of the graduates of the MBA, Harvard MBA school had not gotten jobs. This was six months later. They hadn't gotten jobs, 45% hadn't gotten jobs. And I said, well, what's surprising was these 45% hadn't already created a company while they were at Harvard Business School, and what are they looking for jobs for? Anyway, they be creating their own companies. But my sense is that what they've been doing is that they've been going to college to avoid having to go into the job market, and so they don't even know how to get, not only do they know how to create a company, they don't even know how to get a job. Dean Jackson: Yeah. There's a new school concept, like a high school in, I think it's in Austin, Texas that is, I think it's called Epic, and they are teaching kids how they do all the academic work in about two hours a day, and then the rest of the time is working on projects and creating businesses, like being entrepreneurial. And I thought it's very interesting teaching people, if people could leave high school equipped with a way to add value in a way that they're not looking to plug their umbilical cord in someone else, be an amazing thing of just giving, because you think about it, high school kids can add value. You have value to contribute. You have even at that level, and they can learn their value contribution. Dan Sullivan: I think probably the mindset for that is already there at 10 years old, I think 10 years old, that an enterprise, Dean Jackson: Well, that's when the lemonade stands, right? Dan Sullivan: Yeah. An enterprise, an enterprising attitude is probably already there at 10 years old, and it'd be interesting to test for, I mean, I think Gino Wickman from EOS, when he was grad EOS, he created a test to see whether children have an entrepreneurial mindset or not, but I got to believe that you could test for that, that you could test for that. Just the attitude of creating value before I get any opportunity. I think you could build a psychological justice Speaker 1: Around Dan Sullivan: That and that you could be feeding that. I mean, we have the Edge program in Strategic Coach. It's 18 to 24 and unique ability and the four or five concepts that you can get across in the one day period, but it makes sense. Our clients tell us that it makes a big difference. A lot of 'em, they're 18 and they're off to college or something like that, Speaker 1: And Dan Sullivan: To have that one day of edge mind adjustment mindset adjustment makes a big difference how they go through university and do that, Jim, but Leora Weinstein said that in Israel, they have all sorts of tests when you're about 10, 12, 13 years old, that indicates that this is a future jet pilot. This is a future member of the intelligence community. They've already got 'em spotted early. They got 'em spotted 13, 14 years old, because they have to go into the military anyway. They have everybody at the 18 has to go in the military. So they start the screening really early to see who are the really above average talent, above average mindset. Dean Jackson: Yeah. The interesting, I mean, I've heard of that, of doing not even just military, but service of public service or whatever being as a mandatory thing. Dan Sullivan: Yeah. Well, I went through it. Dean Jackson: Yeah, you did. Exactly. Dan Sullivan: Yeah. Yeah. And it's hard to say because it was tumultuous times, but I know that when I came out of the military, I was 23 when I came out 21, 21 to 23, that when I got to college at 23, 23 to 27, you're able to just focus. You didn't have to pay any attention to anything going outside where everybody was up in arms about the war. They were up in arms about this, or they're up in arms about being drafted and everything else, and just having that. But the other thing is that you had spent two years putting up with something that you hadn't chosen, hadn't chosen, but you had two years to do it. And I think there's some very beneficial mindsets and some very beneficial habits that comes from doing that, Dean Jackson: Being constraints, being where you can focus on something. Yeah. That's interesting. Having those things taken away. Dan Sullivan: And it's kind of interesting because you talk every once in a while in Toronto, I've met a person maybe in 50 years I've met, and these were all draft dodgers. These were Americans who moved to Canada, really to the draft, and I would say that their life got suspended when they made that decision that they haven't been able to move beyond it emotionally and psychologically Dean Jackson: Wild and just push the path, Dan Sullivan: And they want to talk about it. They really want to talk about it. I said, this happened. I'm talking to someone, and they're really emotionally involved in what they're talking about Dean Jackson: 55 years ago now. Dan Sullivan: Yeah, it's 55 years ago that this happened, and they're up in arms. They're still up in arms about it and angry and everything else. And I said, it tells me something that if I ever do something controversial, spend some time getting over the emotion that you went through and get on with life, win a lottery, Dean Jackson: That's a factor change. I think all you think about those things, Dan Sullivan: But the real thing of how your life can be suspended over something that you haven't worked through the learning yet. There's a big learning there, and the big thing is that Carter, when he was president, late seventies, he declared amnesty for everybody who was a draft dodge so they could go back to the United States. I mean, there was no problem. They went right to the Supreme Court. They didn't lose their citizenship. Actually, there's only one thing that you can lose your, if you're native born, like you're native born American, you're born American with American Speaker 1: Parents, Dan Sullivan: You're a 100% legitimate American. There's only one crime that you can do to lose your citizenship. Dean Jackson: What's that? Dan Sullivan: Treason. Dean Jackson: Treason. Yeah, treason. I was just going to say Dan Sullivan: That. Yeah. If you don't get killed, it's a capital crime. And actually that's coming up right now because of the discovery that the Obama administration with the CIA and with the FBI acted under false information for two years trying to undermine Trump when he got in president from 17 to 19, and it comes under the treason. Comes under the treason laws, and so Obama would be, he's under criminal investigation right now for treason. Dean Jackson: Oh, wow. Dan Sullivan: And they were saying, can you do that to a president, to his former president? And so the conversation has moved around. Well, wouldn't necessarily put him in prison, but you could take away his citizenship anyway. I mean, this is hypothetical. My sense is won't cut that far, but the people around him, like the CIA director and the FBI director, I can see them in prison. They could be in prison. Wow. Yeah, and there's no statutes of limitation on this. Dean Jackson: I've noticed that Gavin Newsom seems to have gotten a publicist in the last 30 or 60 days. Dan Sullivan: Yes, he is. Dean Jackson: I've seen Dan Sullivan: More. He's getting ready for 28. Dean Jackson: I've seen more Gavin Newsom in the last 30 days than I've seen ever of him, and he's very carefully positioning himself. As I said to somebody, it's almost like he's trying to carve out a third party position while still being on the democratic side. He's trying to distance himself from the wokeness, like the hatred for the rich kind of thing, while still staying aligned with the LGBT, that whole world, Speaker 1: Which Dean Jackson: I didn't realize he was the guy that authorized the first same sex marriage in San Francisco when he was the mayor of San Francisco. I thought that was it. So he's very carefully telling all the stories that position, his bonafides kind of thing, and talking about, I didn't realize that he was an entrepreneur, para restaurants and vineyards. Dan Sullivan: I think it's all positive for him except for the fact of what happened in California while it was governor. Dean Jackson: And so he's even repositioning that. I think everybody's saying that what happened, but he was looking, he's positioning that California is one of the few net positive states to the federal government, Dan Sullivan: But not a single voter in the United States That, Dean Jackson: Right. Very interesting. That's why he's telling the story. Dan Sullivan: Yeah Dean Jackson: Fair. They contribute, I think, I don't know the numbers, but 8 billion a year to the federal government, and Texas is, as the other example, is a net drain on the United States that they're a net taker from the federal government. And so it's really very, it's interesting. He's very carefully positioning all the things, really. He's speaking a thing of, because they're asking him the podcasts that he is going on, they're kind of asking him how the Democrats have failed kind of thing. And that's what, yeah, Dan Sullivan: They're at their lowest in almost history right now. Yeah. Well, he can try. I mean, every American's got the right to try, but my sense is that the tide has totally gone against the Democrats. It doesn't matter what kind of Democrat you want to position yourself at. I mean, you'll be able to get a feel for that with the midterm elections next November. Dean Jackson: Yeah. That's Dan Sullivan: Not this November. This November, but no, I think he could very definitely win the nomination. There's no question the nomination, but I think this isn't just a lot of people misinterpret maga. MAGA is the equivalent to the beginning of the country. In other words, the putting together the Constitution and the revolution and the Constitution and starting new governor, that was a movement, a huge movement. That was a movement that created it. And then the abolition movement, which put the end to slavery with the Civil War. That was the second movement. And then the labor movement, the fact that labor, there was a whole labor movement that Franklin Roosevelt took and turned it into what was called the New Deal in the 1930s. That was the movement. So you've had these three movements. I think Trump represents the next movement, and it's the complete rebellion of the part of the country that isn't highly educated against Gavin. Newsom represents the wealthy, ultra educated part of the country. I mean, he's the Getty. He's the Getty man. He's got the billions of dollars of the Getty family behind him. He was Nancy, Nancy Pelosi's nephew. He represents total establishment, democratic establishment, and I don't think he can get away from that. Dean Jackson: Interesting. Yeah, it's interesting to watch him try. I literally, I know more about him now than I've ever heard, and he's articulate and seems to be likable, so we'll see. But you're coming from this perception of, well, look what he did to California. And he's kind of dismantling that by saying, if only we could do to California, due to the country, what I've done to California. Well, Dan Sullivan: He didn't do anything for California. I mean, California 30 years ago was in incredibly better shape than California's right now. Yeah. The big problem was the bureaucrats run California. These are people who were left wing during the 1960s, 1970s, and they were the anti-war. I mean, it all started in California, the anti-war project, and these people graduated from college. First of all, they stayed in college as long as they could, and then they went into the government bureaucracy. So I mean, there's lifeguards in Los Angeles that make 500,000 a year. Dean Jackson: It's crazy, isn't it? Dan Sullivan: Yeah, yeah, yeah. It's the extraordinary money that goes to the public service in California that's destroyed the state. But I mean, anybody can try. Speaker 1: Yeah. Dan Sullivan: I remember after the Democratic Convention, Kamala was up by 10 points over Trump. Yes. Yeah, she's from San Francisco too. Dean Jackson: Yes, exactly. That's what he was saying, their history. Dan Sullivan: No, you're just seeing that because he started in South Carolina, that's where all his, because that's now the first state that counts on the nomination, but he's after the nomination right now. He's trying to position for the nomination. Anyway, we'll see. Go for it. Well, there you Speaker 1: Go. Dan Sullivan: And Elon Musk, he wants to start a new party. He can go for it too. Dean Jackson: Somebody. That's exactly right. Dan Sullivan: Yeah. Then there's other people. Dean Jackson: That's true. Dan Sullivan: Alrighty, got to jump. Dean Jackson: Okay. Have a great week

A special look at President Biden's first State of the Union Address. Plus, America's two demon hecklers, Marjorie Taylor Greene and Lauren Boebert try to sabotage Biden's speech but wind up repulsing the nation. Dems plan to target the duo in the run up to the midterms and highlight the GOPs growing disarray. Latter Bakari Sellers joins Mea Culpa to grade the Biden Administration. 

PREVIEW FOR LATER TODAY: This transcript features a discussion between John Batchelor and Gregory Copley regarding the potential political return of Reza Pahlavi to Iran. The speakers suggest that the Crown Prince is currently the only figure with sufficient name recognition and historical legitimacy to lead the nation following a potential collapse of the current regime. While the United States Department of State historically opposes monarchic structures, the experts argue that Pahlavi could serve as a transitional leader or a constitutional monarch similar to the British model. They emphasize that his return is increasingly supported by internal Iranian voices seeking stability through his established plans for economic and agricultural reform. Ultimately, the dialogue positions Pahlavi as a unique bridge between the country's imperial past and a future democratic transformation.1970 TEHRAN

Today's Masked Speaker managed to attend a glamorous party in LA with A-Listers, and things went south in the craziest way possible, leading to the POLICE being called! And she wants to share what went down!See omnystudio.com/listener for privacy information.

What do top speakers wish they knew when starting out? In this episode, industry veterans and experts dish out hard-earned wisdom to help you thrive in the speaking business. * Why playing the long game matters more than chasing quick wins *The critical importance of authentic connection with your audience *Avoiding ego traps and keeping the focus on service, not self *How being easy to work with sets you apart for meeting planners and agencies *Simple strategies to stand out and keep your speaking business sustainable *Watch now to level up your speaking career with advice from Hall of Famers and seasoned pros!Become an NSA Member! https://nsaspeaker.org/join/#membership THRIVE 2026! You NEED to be here! https://thrive.nsaspeaker.org/ Learn more about your ad choices. Visit megaphone.fm/adchoices

https://youtu.be/rd7KYLCyxf8 On this episode of The Millionaire Woman Show, Debra Kasowski sits down with Gordon Sheppard to explore a practice many high-achieving leaders overlook: celebrating our wins. In a world that constantly pushes us to move faster, aim higher, and chase the next goal, we often skip past acknowledging how far we've already come. Gordon shares powerful insights on why recognizing progress matters, how celebration fuels confidence and momentum, and how leaders can create cultures—both personally and professionally—that honor growth, effort, and success. This conversation is a reminder that celebration isn't about ego or complacency; it's about reinforcing belief, strengthening resilience, and sustaining long-term success. Whether you're building a business, leading a team, or navigating a personal transition, this episode will inspire you to pause, reflect, and truly own your achievements.

DOMESTIC MELODRAMA AND THE FOG OF RHETORIC Colleagues Gaius and Germanicus, Friends of History Debating Society, Londinium, 92 AD. Turning to domestic matters, the speakers discuss a controversy in Minnesota involving an ICE-related death, describing the situation as a "melodrama" obscured by a "fog of rhetoric." Germanicus contrasts this "theater" with the genuine violence of 19th-century labor strikes and the Spanish Civil War, warning that while current events are performative, the specialized training of opposing factions is dangerous. They conclude that these domestic battles follow a script of performative chaos similar to foreign policy, risking a slide into real insurrection if the "talk" ever crosses the threshold into actual violence. NUMBER 21953

Keith explores two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989,yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President chailey Ridge personally while it's on your mind. Start at Ridge lending group.com that's Ridge lending group.com    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, Don't Quit Your Daydream.   Speaker 3  38:17   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  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com  

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