Podcasts about Speaker

A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: Priests and Confession, Real Purgatory, TR Onlyism, and More! Subtitle: The Dividing Line 2025 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Podcast Date: 6/24/2025 Length: 67 min.

A new MP3 sermon from The Narrated Puritan is now available on SermonAudio with the following details: Title: Help - At the Slough of Despond-Pictures From Pilgrim's Progress Subtitle: Pilgrim's Progress Speaker: C. H. Spurgeon Broadcaster: The Narrated Puritan Event: Audiobook Date: 6/24/2025 Length: 19 min.

A young girl's world shatters when one night, her mother's stalker, who has threatened to annihilate her family, walks into her home with a loaded gun.Today's episode featured Fallon Farinacci. You can reach out to her via email at contact@fallonfarinacci.com. Find Fallon on Instagram and TikTok @fallonfarinacciFind out more about Fallon at www.fallonfarinacci.com. A proud Red River Métis, Fallon is a Speaker, Survivor, & Advocate for MMIWG (Missing and Murdered Indigenous Women and Girls). Fallon has cultivated an incredible community and uses her online platform to share her story, give back to the Indigenous community, and raise awareness for causes and organizations close to her heart. Fallon testified in the National Inquiry for Missing and Murdered Indigenous Women and Girls, sharing her story of loss and trauma. Later, Fallon joined The National Family Advisory Circle, where she worked closely with other MMIWG2SLGBTQQIA+ family members and the Commissioners for the National Inquiry. Fallon continues to share her family's story & bring awareness to the ongoing Genocide Indigenous women, girls 2S+ folx face in hopes of bringing change & awareness across Turtle Island. A special thanks to Maya Samuels for bringing our attention to this devastating story.Producers: Whit Missildine, Andrew Waits, Cathy SitzesContent/Trigger Warnings: stalking, home invasion, death by gun, suicide by gun, suicide, racism, colonization, genocide, Missing and Murdered Indigenous Women and Girls, explicit languageSocial Media:Instagram: @actuallyhappeningTwitter: @TIAHPodcastWebsite: thisisactuallyhappening.comWebsite for Andrew Waits: andrdewwaits.comWebsite for Cathy Sitzes: cathysitzes.comSupport the Show: Support The Show on Patreon: patreon.com/happeningWondery Plus: All episodes of the show prior to episode #130 are now part of the Wondery Plus premium service. To access the full catalog of episodes, and get all episodes ad free, sign up for Wondery Plus at wondery.com/plusShop at the Store: The This Is Actually Happening online store is now officially open. Follow this link: thisisactuallyhappening.com/shop to access branded t-shirts, posters, stickers and more from the shop. Transcripts: Full transcripts of each episode are now available on the website, thisisactuallyhappening.comIntro Music: “Sleep Paralysis” - Scott VelasquezMusic Bed: Union FlowServicesIf you or someone you know is struggling with the effects of trauma or mental illness, please refer to the following resources:National Suicide and Crisis Lifeline: Text or Call 988 National Alliance on Mental Illness: 1-800-950-6264National Sexual Assault Hotline (RAINN): 1-800-656-HOPE (4673)Be the first to know about Wondery's newest podcasts, curated recommendations, and more! Sign up now at https://wondery.fm/wonderynewsletterListen to exclusive episodes of This is Actually Happening ad-free by joining Wondery+ in the Wondery App, Apple Podcasts or Spotify. Start your free trial by visiting wondery.com/links/this-is-actually-happening/ now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

BULLETIN: SEASON 3 EPISODE 141. TRUMP'S PROFANE, INSANE RANT Donald Trump's limited tether to reality has snapped this morning and he must be removed from office, by his own party, first via the 25th Amendment and then by Impeachment. Even as individuals as far from being anti-Trump as Speaker of the House Johnson and Pennsylvania Congressman Scott Perry have said, live, on networks like Fox and CNN, that Iran's nuclear capacity was obviously not fully destroyed in Trump's undeclared war against Iran, he has now raged against the networks, against Israel, and against Iran - because reality is not doing what he is telling it to. After a session with the press that was disturbing even for him, Trump then went aboard Air Force One and began to struggle (again, well beyond his usual struggle) to locate certain words and even repeat words just said to him. Asked about possible Iran "sleeper cells" he raged against "super cells." Trump is a lethal, imminent, clear and present danger to the life of everybody on this planet. He cannot continue in office.See omnystudio.com/listener for privacy information.

When you're pregnant you can get away with almost anything... and one of our listeners used the power of her pregnancy to get EXACTLY what she wanted... even if it technically may have been stealing...See omnystudio.com/listener for privacy information.

Adriana Gallardo went from flipping burgers at Burger King to building a $300M business empire—and she did it as an undocumented immigrant with nothing but grit and her mom's belief in her. She's now a powerhouse Entrepreneur, Speaker, and Founder of AGI Business Group, the largest insurance agency in Southern California. In this episode, Adriana shares how to overcome fear, rewrite your story, and rise up—even when the odds are stacked against you. She talks about the mindset shifts that changed her life, how a health scare redefined her definition of success, and why your vision determines your future. Key Timestamps [00:00:00] Introduction. [00:01:18] How did Adriana go from undocumented to unstoppable? [00:10:22] The mindset her mother gave Adriana. [00:14:53] Why believing bigger changed everything. [00:20:12] What do you do when your body forces you to slow down Memorable Quotes "Your life rises to match your vision." — Adriana Gallardo "Sometimes, your greatest pain is the wake-up call." — Adriana Gallardo Where to Find Our Guest Website: https://www.adrianagallardo.com/en Instagram: https://www.instagram.com/adrianagallardo Facebook: https://www.facebook.com/addygallardo/ YouTube: https://www.youtube.com/@AdrianaGallardo TikTok: https://www.tiktok.com/@AdrianaGallardoOficial To stay connected and to learn more about Vishen and Mindvalley, click on the links below:  Website: https://www.mindvalley.com/about Instagram: https://www.instagram.com/mindvalley/ Facebook: https://www.facebook.com/mindvalley Become the best version of yourself with the world's most effective transformation platform. Join Mindvalley Membership Today: https://start.mindvalley.com/membership Produced by Evolved Podcasting: www.evolvedpodcasting.com Learn more about your ad choices. Visit megaphone.fm/adchoices

A new MP3 sermon from Iglesia Biblica del Señor Jesucristo is now available on SermonAudio with the following details: Title: Cuando Dios interrumpe nuestros planes Subtitle: Hasta lo último de la tierra Speaker: Sugel Michelen Broadcaster: Iglesia Biblica del Señor Jesucristo Event: Sunday Service Date: 6/22/2025 Bible: Acts 15:36-16:40 Length: 55 min.

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Tuesday, June 24, 2025 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 6/24/2025 Length: 25 min.

  Listen to today's episode featuring Matthew Pollard, bestselling author of 'The Introvert's Edge to Networking.' Discover why introverts have a natural advantage in networking, and how even the most introverted can thrive without feeling fake or overwhelmed. Learn the importance of leveraging introverted strengths such as listening and empathy and introduces strategies to authentically network and advance in careers.    Timestamps 02:57 Key Skills for Introverted Networkers 05:23 Matthew Pollard's Personal Journey 10:14 Creating a Unique Professional Identity 16:07 Strategies for Career Advancement 25:14 Evolving Views on Introversion and Leadership 34:21 Final Thoughts and Advice   About Matthew Pollard Known as the Rapid Growth guy, Matthew Pollard is responsible for five multimillion-dollar business success stories, all before the age of 30. His humble beginnings, the adversities he faced, and his epic rise to success show that anyone, with the right motivation and the right strategies, can achieve anything they set their mind to. Today, Forbes calls him “the real deal,” Global Gurus lists him as a Top 30 Sales Professional, SellingPower Magazine just named him their 2023 Sales Kickoff Speaker of the Year, Sales World Magazine lists him as a Top 50 Speaker, and BigSpeak highlights him as an international Top 10 Sales Trainer. He's also the founder of Introvertu.com and the bestselling author of The Introvert's Edge book series, which has sold over 100,000 copies and been translated into 15 languages. Connect with Matthew: https://matthewpollard.com/theintrovertsedge/book https://matthewpollard.com/    _________________________________________________________________ Connect with Me Connect with me on LinkedIn From Zero Responses to Multiple Offers: Download The 5 Essential Steps Checklist Click here to learn about coaching

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: When we cannot grasp His ways Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 6/24/2025 Bible: John 13:7; Deuteronomy 29:29 Length: 3 min.

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: These petty troubles and vexations! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 6/24/2025 Bible: Matthew 10:29 Length: 1 min.

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: Grace in the heart, is like a spark in the ocean! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 6/24/2025 Bible: Psalm 119:117; Jude 24-25 Length: 3 min.

Have you ever felt frustrated as you waited for God to answer a prayer or change a situation in your life? Do feelings of uncertainty, loneliness, and doubt leave you feeling burdened? In these moments, it's easy to feel lost and believe that hopelessness is your destiny. But know this: heaviness does not have to define your future. In this empowering episode of the Resilient Hope Summer Series, Christine Caine dives into how God is intimately aware of your circumstances and ready to lead you through even the toughest challenges. Discover the wisdom tailored to your situation and uncover the surprising path that leads to limitless hope. What you'll learn:- Insights on releasing burdens and embracing joy- Practical steps for navigating uncertainty with confidence- Encouragement to trust in God's plan and presence Join us for inspiration and support as we journey together toward a future filled with hope! Don't forget to grab your free Episode Reflection Guide here! P.S. We've created a bonus resource for you this summer. Download your free 'Hope Kit' now! + + + + + Christine Caine is a speaker, activist, and best-selling author. She and her husband, Nick, founded the anti-human trafficking organization The A21 Campaign. They also founded Propel Women, an initiative that is dedicated to coming alongside women all over the globe to activate their God-given purpose. Each week she brings you a Gospel-centered message filled with Biblical truths that will equip and empower you to step into the life God has for you.

Keith discusses the new power shift in the housing market, where buyers now have more power in the Northeast and Midwest.  Ken McElroy joins us to discuss the current state of the real estate market, highlighting a significant decline in apartment building values and a predicted further drop in home ownership rates, potentially below 60%. They note that while some states, like Arizona, have surpassed pre-pandemic housing supply levels, others, like the Northeast and Midwest, still face shortages. Ken emphasizes the importance of affordability and the shift towards renting, predicting a significant increase in renters. He also shares insights on strategic property investments and the benefits of buying at current market lows. Resources: Use the discount code "KEN10" to get a discount on the Limitless Expo event. Show Notes: GetRichEducation.com/559 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai  Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, apartment building values have crashed about 30% in the past few years. Well, it's the opinion of today's qualified guest that it's going to get even worse from here. We'll also discuss why rents in the Phoenix area are declining, and a bold prediction on a collapse in the home ownership rate and the hordes of renters that that will create all today on get rich education.   Mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with a better business bureau and now over 5000 houses renovated. There's zero mark up on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs, and wait for it, a high quality renter. Remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com   Speaker 1  1:59   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:15   Welcome to GRE from the Tigris to the Euphrates to the Mississippi and across 188 nations worldwide. I'm Keith Weinhold GRE founder Forbes real estate council member, Best Selling Author, look for my work in the USA today as well, and you are back inside for another wealth building week of get rich education. What's all that really mean? Ah, I'm just another slack jawed mouth breather with a mic here. Before we get to today's guest, Ken McElroy, let me tell you about housing's new power shift and where we're at today. Three to five years ago, sellers held all the power in virtually every market because the housing supply was so miserably low everywhere. So you had more one tours of real estate and few that were willing to sell. That is still mostly true on a national level, but the new power shift is about the fact that the Northeast and Midwest are replete with home buyers. Queues of buyers are lining up for the few available properties like I've touched on before, and look low available housing supply in these areas, the Midwest and Northeast, that's not a symptom of mass in migration. Hordes of people are not stampeding into Buffalo for the nightlife. It's all due to chronic under building, partly from strict regulation, especially in the Northeast. A big part of the power shift, though, is that we now have fully 10 states that are above pre pandemic supply levels, and you'll notice that none of these are in the Midwest and Northeast. The 10 states are Arizona, which we'll talk about more today, Colorado, Florida, Idaho, Hawaii, Oregon, Tennessee, Texas, Utah and Washington. Here in these places, is where the tables have turned, because supply is catching up with demand in those 10 states. So that's where we're seeing softer home price growth and where buyers have the power, these are some of the states where you can find better deals. Motivated sellers and builders in these places will often buy down your mortgage rate, give you closing cost credits or reward you with incentives, like a free year of property management. In fact, our GRE investment coaches guide you for free to exact property addresses where builders will buy down your mortgage rate to 5% today, one of them will even give you a $9,800 post close credit instead, if you so choose. Often do. Those like that are in those 10 states. They're elsewhere too. You can get started at GRE investment coach.com, conversely, 40 states have less for sale housing inventory than they did as compared to pre pandemic times. This is where sellers still have the power some of the most competitive markets in the nation are buffalo, Hartford, Providence and Boston, where more than 10 active home buyers vie for every single listing. That's per Zillow. That's sort of the real estate equivalent of a Taylor Swift or Beyonce ticket queue. At the other end of the spectrum, shoppers have an easier time in Miami with only 2.6 shoppers per listing, followed by Houston at 3.4 New Orleans at 3.5 and San Antonio at 4.3 nationally active listings are up 31% over last year. That's quite a bit, but we're still 12% below pre pandemic, 2019 inventory levels. And is all this good news or bad news? It totally depends on who you are. If you're holding property in the Northeast and Midwest, you're pretty happy about this strong appreciation in the single family space, but in the southeast, appreciation is non existent. There's even mild depreciation, especially in parts of Florida. If you're looking to own more property in the nation's southeast quadrant, you're now enjoying less buyer competition. In fact, sellers are competing for you, and let's avoid being too assuming. Here I've been talking about things on the state level. States are not monoliths. Philadelphia is not Pittsburgh, Seattle is not Yakima. Cities have different supply situations. Even within one city, the scenario varies, of course, really the bottom line here is that today's recovery from 2022 national supply abyss has been an uneven recovery, where builders are frozen, appreciation soars, where builders hustle, buyers win. So if you're looking for deals, find that short queue.    Today's guest is a familiar one to GRE listeners. He's based in Scottsdale, Arizona, which is the Phoenix Metro. Arizona, though it's fast growing, is still just the 14th most populous state, but Arizona is an interesting market, because we're going to get to see what happens when you have an overbuilt condition, like we do there. We'll discuss that market and the national market as well. Get a key gage on the direction of rents, occupancy and prices, first in the single family space, and then we'll talk about apartments. Anyone that's paid attention to real estate that past few years. Knows that when mortgage rates spiked in 2022 single family values have held up, apartment values plummeted due to their interest rate resets. We'll get insight on if the beleaguered apartment space has bottomed out price wise, or if apartment values still have further to fall.    I'd like to welcome in frequent GRE guest, and he was also one of our earliest back in 2015 Ken McElroy. Ken authored a bunch of successful books, both within and outside of the rich dad series. He's also a well known, successful apartment syndicator with over 10,000 units across several states, and he's also in other parts of the commercial real estate sector, including billboards and self storage. So it's really great to have back on the show. Ken McElroy   Ken McElroy  8:57   good to be here, Keith, thank you. It's been 10 years, man, since we've been doing   Keith Weinhold  9:01   this? Yes, 10 years back in episode 25 since you were first here, more than a decade of this. So we know each other's work really well, and it's such an interesting time in the apartment space. I want to get to that later in our conversation today and really find out if you think that the apartment space has bottomed out. But before we do that, let's talk about the single family space. The audience should know that you can meet both Ken and I in person, as we're both faculty members on the spectacular real estate guys Investor Summit C, which is actually underway now. We're recording this just before the summit. So let's discuss the direction of rents and occupancy. We'll get to price later and Ken although most states still have a housing shortage statewide, Arizona's active housing inventory for sale is 24% above pre pandemic levels. That's what realtor.com tells us, and this. Deeply due to a lot of building, a lot of building usually does not bode well for price growth or rent growth. So tell us about rent, direction and occupancy in the single family space in the Phoenix Metro.   Ken McElroy  10:15   There's a bunch of things happening in the Arizona market. First of all, one is we've had a lot of people move here right in the last 4,5,6, years. Yeah, post pre pandemic, post pandemic, all of that. We are a pretty small state. You got Phoenix, got Tucson, you got Flagstaff, a bunch of other small cities that kind of surround some of those. But it's not like a Texas or a Washington or a lot of these California, like a lot of states, and have a lot of cities to draw from. If people move to Phoenix, that's pretty much where they're they start a lot of times, not every time, but and so it's really interesting. When we have net in migration into Arizona, it really moves the needle for most of these cities. Is kind of the point. And so we're always going to be affordable, we're always going to have great weather, it's safe. We got pretty normal politics, I should say, as compared to some of the others, we really do have a growing population. And so what happened? We had a nice run on the real estate. As you do, you know, we had a nice run on the apartments. We had a nice run on the single family that tapered off when the interest rates went up, essentially, right? You know, we actually built too much. We built too many apartments. We built too many houses. When interest rates went up, people kind of pulled back. That's what you're seeing now. So right now, it's a great time to be a home buyer. It's a great time to be a renter in most of those cities in Arizona specifically. And why would that be? It's because they have a lot of choices. So on the single family side, the listings have gone up, and therefore some of the prices have you know, people are starting to negotiate a little bit more. Now here's the interesting thing, Keith, if you measure it on last year or the year before, it has huge numbers, like you just quoted, you know, 24% but what's happening is things are on the market like 40 days, you know, you know what I mean, like from a week or two, it's doubled or tripled, as you know, that's still not a very realistic market. The market is still, in my opinion, pretty healthy. It's not unbalanced, and before it was a seller's market, and so it's just normalizing. And normalizing, to me, if you go over year, over year, over year, is I think MLS says four to six months of inventory, right? I think things are just normalizing. But if you've been through the run, this is like the end of the world, right? But it's not. It's just things are settling down, and it's the greatest time because they're supposed to be a little bit of friction between the seller and the buyer. I believe there should be just about right. It's never just right, as you know, it's usually pulls on one harder on one side or the other. But we just went through an incredible time where the sellers pretty much got whatever they wanted and the landlords pretty much got whatever they wanted, and so this is just pulling back, you know, the tide's going back out. There's no cause for concern, at least in my world at all. It's supposed to be this way, and we need affordability. We need people to be able to buy homes. We need people to be able to rent. Yeah, I'm in the landlord business, but I don't want rents to run. There needs to be a balance there, even though it's good for me, if it does, but it's not good, because what happens is, then the government gets involved, and what they need to get involved in is adding supply, right? And not capping the rents. You know, what they need to do is just work with developers. And you know, because we're growing here in Arizona right now, we're seeing a pullback, but I think it's needed. There's nothing wrong with this. It weeds out a lot of, you know, realtors that weren't doing much, that just got their license, were hanging around, say, with mortgage folks and title people and lazy contractors and all that stuff. So whenever there's a pullback, the professionals win.   Keith Weinhold  14:01   Well, this is some really good perspective here. We're all victims of the recency bias, and, yeah, you're talking largely about market normalization. What sure wasn't normal or healthy, in a lot of ways, was back in 2021 when you might have had 50 offers for one available property, and people had to bid 50k over the asking price, and they might have waived their inspection, which is typically not a good idea when we talk about rents in the direction of rents, especially there in the Phoenix metro with single family homes, which I know your wife, Daniil, is pretty intimately involved with. Typically, this new supply increases competition. It increases the competition for landlords competing for more of those tenants, which is something that typically is not good for rents. Have we seen declining rents in the local market there in Phoenix?   Ken McElroy  14:54   Of course, yeah. And I'll tell you, there's a bunch of factors. So there's always cross currents. People want one. Answer, but there's not right, like, so let's just pick on a whole bunch of things that went wrong at the tail end of all of this. It was Airbnb. Like, Phoenix and Scottsdale are a huge Airbnb market. I've rented Airbnbs there. Sure. It's incredible, right? And so what happened was a lot of people said, oh, I can buy this house, throw some furniture in it. And, you know, I can get 10,15, 20 grand a month in rent out of these things. And they were right. And then what happened was, there just was too many, so became oversaturated. So you're definitely seeing those back on the market. And so interesting fact, Heath, all you got to do is look at the pictures. And if you see bunk beds. You know, it used to be an Airbnb like, you know what I mean? So that was the one, but two, let's don't forget this run that we just had put a lot of people into the rental market for the first time on the single family side too. So we never really had this many landlords on the single family side as well. And so there's all these mistakes that people made. They bought incorrectly. They had capex work. They bought with floating rate debt. And when rates went up, they weren't cash flowing. They wouldn't know how to manage them. So So there's all this stuff that was kind of going on behind the scenes, on the apartment side of the equation, which is where I hang out. Mostly, I watch all this. And because my class A buildings are competing for single family. They have single family typically wins because it has a yard, has a garage. Nonetheless, I gotta pay attention to it. So it's been interesting to watch. At one point you could not find a home in the Scottsdale area under 500 grand period like nothing. And now, of course, those are starting to come down a little bit more, and there's some softness in the rent, so the renters are have more choices. Now, why is that? There's a couple reasons. If you're a renter and you're looking for a place, you know, I'm sure you're considering a house, but not everybody wants a house, especially if you're single or maybe it's just you and somebody else, and maybe you don't have a pet. There's a lot of reasons that people just don't want to have to a home. So you've got condos and you've got apartments and you've got homes, and then you have school districts. So people definitely want to be in certain school districts based on their children. So you have all these cross currents going on, on where people want to be. And so what does all that mean? What that means is there are certain markets, from a rental standpoint, that are doing extremely well, still, both on apartments, on condos and houses. And then there are other markets that absolutely are not just depends on the concentration of all those things and all those factors that are going on. The one thing that's actually disrupting a market more than anything is apartments and condos. Because, for example, Danielle just had a condo that she owned, and the condo was worth, let's say, 300 grand, but it's probably 25 years old now, yeah, and there's apartments going up, you know, a block from there, right? So her renter is said, you know, I'd rather go over here. Brand new amenities, nine foot ceilings, brand new fitness center, all this stuff. So apartments really do reach into that rental market a little bit. And so there is some spillover between that. But primarily what's going on in Phoenix is there's a lot of new construction. And not just Phoenix. This is Tucson and Greater Phoenix. There's a lot of new construction that was started when rates were low. They were started in 2122 and you know, like, because I'm a builder, it could be a year to 18 months when we're opening a project from the time we put our the shovel in the dirt, we're not even open for a good 18 months. So there's a lag period. And those started opening in 23,24 and certainly 25 and these big projects, two, 300 unit projects, which I have several going right now, they're one to two year lease ups, so you could be looking at two or three year lag on some of the housing that's being provided. So that's all here now that is been good for renters. There's a couple horror stories going on, and I'll just explain. So downtown Phoenix, there was a whole bunch of apartment projects and condo projects that were built trying to attract people to live in downtown Phoenix? Well, there's challenges for downtown Phoenix too, and we won't have to get into that. I don't particularly think that there was ever the real demand for the amount of housing. So what you've done is people build a lot of housing in concentrated areas around the stadium in West Phoenix, near the Cardinal Stadium downtown Phoenix, you know, right in the heart of the business district. So if you were to rent something today, it would be four months free on a 12 month lease.   Keith Weinhold  19:48   Wow, that's about the steepest concession I've ever heard of in my life.   Ken McElroy  19:54   Yes, that's today. So all you gotta do is Google it and you'll see. And the only reason that happened, Keith, is. Is because there was too many units delivered at at a short period of time, and there was the demand, wasn't there? Gosh, now go 10 miles up to Tempe, go to Chandler, go to Scottsdale. No concessions, right? So again, you know, when you look at a market, you're going to see that it typically a lot of these concentrate in certain areas. And so there's a lot of areas in Phoenix where the consumer or the renter has an upper hand a lot. And so they're driving their choices based on their monthly rent. All of that plays into this thing, but the there's areas that are rock solid. And you know that would be Scottsdale, Tempe, Chandler, Gilbert, and there's areas that are over built that would be the west side, downtown Phoenix, the south side, there's areas that there's pockets that you know are in disruption you can kind of pick your poison, right? Like, if you're a landlord, there are areas that you want to buy in areas that you don't want to buy in. And as a renter, you have the same kind of choices. So when you blend it all together, you guys get the national news. But really it's pretty pocketed, just like it can be in any market.   Keith Weinhold  21:12   Well, you bring up so many good points there. Some of these markets that have done more building than usual are in this situation where there is landlord competition for tenants. Now, nationally, we're still under built, so it's interesting to talk about one of these overbuilt conditions in that competition for tenants, like we've been talking about, in general, a tenant prefers a single family home, and it's privacy for sure. They can't always afford that, but the apartment market and the single family rental market are somewhat interrelated, because if there's so much new apartment supply, it's got the appeal of being brand new, and there might even be concessions given, like you've mentioned there Ken and that can make it very attractive for a potentially wannabe single family home renter to go ahead and rent an apartment instead. So this glut of new apartment supply actually can affect the single family rental market somewhat, and competition is really interesting. I mean, certainly in my real estate investment career, I've experienced that. The first time I ever experienced that was that I owned several doors, and they were about 25 years old, and they had garages, each one of them a new apartment complex was built close to those so brand new, and you had to drive by this new apartment complex. Everything nice, shiny new, painted new parking lot, everything a prospective tenant had to drive by that in order to get over to look to my units. That softened my rent somewhat. The one thing that saved me a bit is that my running units were in Anchorage, Alaska, I had the garages with my units. The new apartment building didn't. They only had carports, so I did have a differentiator to help soften the blow in a rental market that became more competitive. Tell us more about the competition for tenants there in Phoenix, whether that's on the single family side or the apartment side can with concessions. And does that mean that you're altering the length of leases there in the local market? Or tell us more about how you're doing that competition?   Ken McElroy  23:10   It's a great question, yeah. So I would say generally, a home is going to be about 1000 bucks more on the average, like if you were just to put a number on it, three bedroom, Rambler type home with a garage in a yard. It's going to be maybe three grand. That apartment, the equivalent was is going to be maybe two grand. So roughly, those are kind of the numbers. But what happens if you're going to rent a house, you're definitely going to pay more money, that's for sure. And of course, depending on the area, depends on the on the rent. Now what's happening in a lot of these markets, like West Phoenix, for example, where you have 1000s of units being added at once, and you get this one month, two month, three month, and the extreme, of course, being four months free, if you're a renter and your rent is two grand, but you get three months free, let's say or four, you're going to take that deal, right? Because your your your average rent is, what 12,13, $1,400 a month, not 2000 so all of a sudden, it's going to impact those single families. So what's happening right now is the apartments that got delivered in in a lot of these geographic areas, these sub markets are definitely impacting the single family rental market. Now, if you're a family and you've got kids and you got pets and you want to be in a school district, you're not even looking you're basically just trying to find the best deal on a home. I get that. But if you have a choice, the rents are about the same, you're going to take the house, sure period I would, you would. So now what's happening is there's, there's such a difference between the rental price of a home versus the rental price of a brand new apartment that people are going to gravitate to the apartments, because those landlords trying to fill those things up are scrambling and marketing to anybody. And everybody and cutting whatever deals they can, because they're just trying to get out of those construction loans. It's a weird market right now. And of course, there are areas Keith that this does not exist at all, right, like you go into like Tempe, and you're not going to have because it doesn't have the available land, you know, which is around Arizona state for example, the Arizona State University. You go into North Scottsdale, you're not going to find this because North Scottsdale doesn't like apartments. And, you know, the homes are a million bucks and up, but there are definitely pockets where this is happening. So if you're a renter and you have choices, this is a great time for you and and to be honest, it's about time, because it was a seller's market and a landlord's market for a long time, and so it's just reverting back to the mean.   Keith Weinhold  25:46   Let's wrap up the discussion about rents and occupancy with what's happening nationally. Ken, since in apartment buildings, you invest in multiple states there, we know, for example, that the home ownership rate recently fell from 65.7% down to 65.1% fewer homeowners means more renters. But that doesn't necessarily mean that they're all going to be absorbed immediately, either. So talk to us about that.    Ken McElroy  26:13   There's an affordability problem, right? We haven't seen a massive adjustment with house prices now you have in areas, of course, I saw your recent podcast on Florida. You know how right the price of a house is, is less than a car today? Yeah, you're right, like so, but what's happening is there are markets that are pulling back, right. There are markets that had a bigger bubble than others, and they're pulling back. And so there's great deals in those markets. A lot of areas in Florida being one of those markets, there are other markets where you don't have that. So we are definitely seeing the same thing. And so we're having, in my opinion, it's the greatest time, because you have people that are, I think, should be able to buy a home. But interest rates seem to be holding at Six 7% and the pricing, albeit, hasn't run like it has, but it's certainly not pulling back like crazy either. It's still over 400 on the average, you know. So if you look at the delta between what it costs to buy a home just mortgage only, and you look at what it costs to rent, it's never been bigger. So the difference between your rent, the rent and a mortgage, has never been bigger. And the other thing Keith, that doesn't get talked a lot about are everything non interest rate and everything non mortgage. So let's start talking about insurance. Let's talk about property tax. Let's talk about, you know, capex. So there's a really good survey that bankrate.com did that said that right now, the average cost to own a home, not mortgage, is 1500 a month. So now that's average. I'm sure there's some that's less. I'm sure it's some that higher. So when you take 1500 a month to own it, plus the mortgage you're talking about quite a bit. It's a heck of a financial commitment when you can just rent for 12, 1314, 1500 and call it a day, you're going to move the needle twice as fast, and you're going to be able to get out of whatever financial situation you're in twice as fast when you don't have all those other costs. So what's really going on now? And the reason why you're starting to see this home ownership rate go down, and I actually make a prediction, gonna do it right now on your show, I think it's gonna go down below 60. I think for the first time in our history, we're gonna see home ownership in the 5050 nines, which is a massive statement. But if you take a look at under Obama got up to 69 and then it was, first of all, it was Clinton, and before that, and then kind of ran, but then it kind of got pulled back under the Bush, and then Obama kind of took the brunt of it. You know, when all that stuff was falling out, but it's been falling, and it's falling. Why it's falling? Because people can't afford a home, and they need to be able to afford a home. So we can't build affordably. The single family market is not affordable, and inflation surpassing wage growth, so you have this massive shift of people, in my opinion, moving from home ownership to the rental side. And there was a time where 1% shift Keith was 1 million people,   Keith Weinhold  29:27   1 million new renters, with every 1% drop in the home ownership rate   Ken McElroy  29:32   was 1 million people. So imagine that it doesn't sound like much when you go 65.7 to 65.1 right? That's a lot of people. When you got about 142 million people in the US, or a billion, right? 340   Keith Weinhold  29:46   350 million in 300 Yeah, about 145 million houses,   Ken McElroy  29:51   45 million, yeah, something like that. So you start to take a look at these numbers. They're massive. So these little 1% movement. It is a lot of people. I think we're going to continue to see it. People need to put their stake in the ground here and get on the landlord side of this, because we're going to see a massive shift of people because they can't afford they're going to be permanent renters, renters for life. And it's not good. I'm not advocating, but it just is what it is, with wage destruction, with inflation, with the affordability, the way it is, people are going to be forced into the rental side of the equation, whereas before, we were always kind of working on the fluctuations of the interest rates and the policies of the President, let's say, or whatever it was, to try to get people to be homeowners, or whatever it might be. Now, we might be in some kind of a permanent state unless something really changes, because we're four or 5 million houses short in the US as a result of the last 20 years. As you know,   Keith Weinhold  30:54   I recently saw a media article that was titled The hidden cost of home ownership, and they were talking about hidden costs as things like maintenance, property taxes, property insurance, utilities. I don't know how in the heck those costs are hidden. Any prospective homeowner needs to be aware of those costs, and inflation impacts those costs, where inflation cannot impact your fixed rate, principal and interest payment. There we have it a brazen prediction from Ken that the home ownership rate will drop below 60% in this cycle and the hordes of renters that that's going to release, we're talking about the direction of rents and occupancy in both Phoenix and the nation at large. We're going to come back after the break and talk about the direction of real estate prices. You're listening to get rich education. Our guest is Ken McElroy. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading, it's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866. To learn about freedom. Family investments, liquidity fund again. Text family to 66866   Naresh Vissa  33:25   this is GRE real estate investment coach. Naresh Vissa listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  33:32   Welcome back to get worse education. We're talking with seasoned investor Ken McElroy, and he's also been one of the most recurrent guests here on the show. He's just consistently got some of the very best perspectives in the entire nation on the real estate market. And Ken the Fred data, which pulls their numbers from Kay Shiller, it shows that the value of a mid tier single family home in Phoenix, Metro wide, has basically been flat for the last year and a half. I know your wife, Daniil, deals with single family rentals there in Phoenix. Can you corroborate Is that what you're seeing as far as values go there on the ground, or is it different in the sub markets    Ken McElroy  34:20   it's definitely different in the sub markets, but I would definitely concur that it is flat, Keith, it's a very interesting time. People are used to selling things fast. Oh, I'm going to sell this and it trades, and then they're moving it right to something else. They're not used to the markets that you and I grew up in, right which is, you remember the old days where we would list something and it might be on the market for three or four or five months. These people, these kids, these let's last 10 years, they have never seen anything like that. So for me, I think we're just moving back to what I would consider to be normal. I don't see a problem with flat at all. In fact, I think homes are unaffordable and. And flat isn't necessarily bad. That means that both sides are kind of doing deals. That means the seller doesn't hold the cards, and it means the buyer doesn't hold the cards, and so right now is a great time to buy because if a seller is sitting on something for even a couple months, they're not used to it. There's deals to be had right now. And it's, I think, if you have the dry powder and you have the ability to move, is a great time to buy.   Keith Weinhold  35:26   You had mentioned, when we were talking outside this show, that your wife, Danielle has made some interesting moves in her single Yeah, yeah, tell us about that.   Ken McElroy  35:36   It's a fantastic move. I mean, one of the greatest, obviously, I'm doing these big apartment deals, she can't relate, and she's doing these small houses, which she loves. She doesn't like debt. She likes to pay them off, and she manages them all herself. And so she bought this condo years ago, and it's worth about 300 grand, and she paid like 164 years ago, and the rents have dropped. You know, per our last conversation, they were used to be around 1900 now they're around 1700 but the same time, rents have dropped. And why would rents drop? Because there's more competition. There's new apartment buildings being built around the area. The tenants have more choices. Again. There's, you know, rents came down a little bit. So she lost couple 100 bucks a month there, and the HOA hit her with costs. Our insurance went up, our landscaping went up, so all of a sudden their HOA fees started going up. So the rents came down, and the HOA costs went up, squeezes on, yeah, so all sudden she's got this squeeze and so she's looking at it. And I said, you really ought to take a look at your what we call imputed equity. In other words, she has no debt on this thing, so she literally has another way to say it is she has 300,000 sitting in a condo, an asset. What does it matter? What it is and she gets maybe, what does she make it 500 a month, maybe $6,000 okay? Net Cash Flow a year, right? Nothing. So you take your 6000 you divide it by your 300 and it's not a very good return. Yeah, eight. Okay, so she's looking at what we call imputed equity. What's your return on the equity you have? Okay, so she said, I'm going to start looking at these homes that have, like you said, the garages and the yards, because again, we know that should be able to get closer to $3,000 a month on those so she started scouring, and she found one, and it was about 450 grand. So she had to come up with another 150 grand. And so what she did was she sold the unit, the condo she had that had rising HOA and lowering rents for 300 she did a 1031 exchange into the $450,000 house, and then she had to come up with another 150 but her rent now is three grand, and she was able to increase her cash flow By almost $1,000 for a month. So that extra 150 generated about $12,000 of net cash flow gain. And so again, she just purely looked at the math on one and did a 1031 moved it into another one. And now she's super happy it's in a home. And as you know, in a lot of these homes, not always, but you tend to have people that don't move as much. So this the guy that moved in has his son. He has him in a local school. He's young. He's probably going to be there for years, so she's probably not going to have the turnover that she would in a condo project. That's really more like an apartment building. That's what she just did. And so don't forget, when prices are high, you're exiting high and buying high. When prices are in flux, a little bit like they are flat, you're going to be able to find deals. So it's a really good time to take a look at imputed equity and what's your real, true return, and is there a better asset class for you to be able to move that money into? Because this is truly about managing money and maximizing your return on your own dollars. And that's a move that she just made, and she's going to be on the cruise. She'll see you, and I'm encouraging her to actually do a talk on it, because there's a lot more detail to how she pulled it off. But it only took her, like, four or five months to do it, and it worked perfectly.   Keith Weinhold  39:22   Yeah. Well, congratulations there. I'm a fan of debt around here, as you know, on the summit, Daniel and I'll have to have a chat, and I'll talk about why financially free beats debt free and all of that. But I would love to hear her reply. She probably has some really good, sound reasoning for that can nationally apartment values have followed perhaps an astounding 30% because the way I see it is that three or four years ago, there were tons of new apartment starts with those freakishly low mortgage rates like you touched on. Start to completion of an apartment building can be as long as two years. So those starts have now become completion. Dollars, and they need to be leased up. So that's the glut, and that's why apartment vacancies are common in a lot of American markets today, with higher mortgage rates now, we have fewer starts and with less new future apartment supply coming onto the market, which would have been completed in 2025 to 2027 I mean, that's something that could portend well for the future, but the current apartment glut still needs to get absorbed by tenants. So talk to us about that.   Ken McElroy  40:29   That's a great, great tee up for me. Okay, so I'm going to do seven transactions this year. Now, that's all 200 plus units. So I bought 360 unit building and brand new in Las Vegas. We just closed on a 282 unit in north Scottsdale. We bought 152 unit in Phoenix. And on and on and on and on and on. We're really, really, really busy right now, because, to your point, why would we be doing that now? Here's why apartments are valued based on how they're operating period. So high vacancy, high concession, flat rents, high expenses. That's all bad if you own it, it's really good if you buy it. So you want to buy at today's numbers, and that's what we're doing. We're buying at today's numbers, and we think that there's a little window that we've got through 26 to be able to acquire a bunch of apartments at these low values. To your point, they've definitely dropped. There's another case as to why, because the next piece is when the mortgage rate's high, cash flow is less. So when your mortgage payment is higher, all things being equal, your cash flow is less. So when rates went up, then people could pay less, and that drove values down. So if we could lock in today with all this disruption, so that's what we've been focused on. And it's been a very exciting year for our company. And in addition to that, to your point, but you and I have never spoken about, we just broke ground on another deal, and we're just leasing up on a deal down in Tucson that we're we're a 300 unit building that we're just finishing, and we just broke ground on a 312 unit, and we got a couple more slated because we're trying to break ground today. And why would we would break ground today because there's not a lot of subcontractors bidding on the stuff. So we're getting better pricing. The interest rates are high. This is true. That's not necessarily a positive, but we're breaking ground in anticipation of opening in two years, when all this stuff gets absorbed, we're going to be opening and so, you know, if we could time it today with 25 we break ground, we're going to open in 27 this stuff will be absorbed by then the blood will be in the streets in 25 and 26 and maybe early 27 and then it's going to shift again, Keith, and you know, people are slow to react. And so we think we're going to hit this little window at optimal time to be able to open up brand new product in two years.   Keith Weinhold  43:05   That's great. Ken we've been having these conversations for over a decade now, I know, and the way that I see it is that MC companies, your company, was built exactly for times like this. Is that to say that you think apartment values have reached their bottom,   Speaker 2  43:22   so I actually don't think they have yet. That's a funny comment, and here's why, because we also went through this extend and pretend time with lenders, right? So the lenders, whoever bought something, was trying to hold on to it forever. But now, with this new administration and the battle with the, you know, Powell still in office for another year. Who knows really, what's going to happen with rates? Maybe a quarter here, quarter there, whatever. But the reality is, there's no relief in sight. It doesn't appear. Because now we have this high vacancy, we have high expenses, and I don't think there's going to be a lot of interest rate relief. And so I think the lenders are going, you know what? We're gonna start listing these. So we're starting to see just in the last few months, brokers call. I got a call the other day from a broker out of San Antonio. He said a lender called me. They gave me nine deals. He said the keys, they gave me the keys on nine deals now and then I got another one in Dallas. It was 35% occupied, and the loan was 25 million, and the guy said they would take 14, so that's an $11 million haircut to the lender. So you're starting to see these. These are coming into my emails, right? Because they flooded. We are kind of deal. Yeah, it's so good. Now I've passed on everything so far because I think the knife is still falling a little bit, and so I think we're in the first few innings of seeing these kinds of deals, and there needs to be a lot of them, right? Like they need to be everywhere. And then when they're everywhere, everything's listed, and people are looking at them, and there's all this interest, then I think we're going to be at the bottom, but we're darn close. I mean, we're darn close, I would say. Right? We're probably by end of the year close. That's why, if a prudent investor, is getting their dry powder together, now they're meeting with their broker relationships, now they're meeting with their lender relationships, now they're putting together their LPs, and they're starting to go out and look at deals. Now, even if it's no no, no, no, no, no, no. This is the time for you to build relationships and be ready to strike when you start to see stuff this year, toward the end of the year, will will be the bottom and then I also think next year is going to be rocky for a lot of things. Then you're going to see a lot of lender write offs.    Keith Weinhold  45:37   This is really good guidance for what you the listener, can accidentally do if you are a prospective apartment building buyer. Great insight there. Ken. Ken, yes, you and I are about to be together on the real estate guys Investor Summit to see but there's another great event that begins at the end of next month that you put together.    Ken McElroy  45:59   Tell us about that. This is great. I have now we have about 4000 investors. So these are all high net worth people that invest with us. And you know, this is our 24th year in business. So when I meet with all of them, we used to do these investor summits, they would say, What about gold? What about silver? What about oil? What about water? What about timber? What about self storage? What about Office? What about retail? So I'm like, I'm going to create a conference where I can have everything in one spot, and we can invite high net worth, accredited people be able to come there and listen to the best of the best. So no professional speakers, just people that are really doing deals. You know, like we have guys that are building wellness spas and hospitality. Obviously, we have some single family. We got multi family. Got a retail guy, industrial guy, commercial guy, office guy. We got a gold panel. And then we got these economists, and you probably know some of the names. So we got George gammon coming. We got Jeff Snyder, who's unbelievable Euro dollar University. He's coming. We got Brent Johnson, who created what's called the milkshake theory. And just Google it, you'll see it's all about the central banks. We got Jim Rickards, who wrote currency wars and a new case for gold. And we got Lawrence Lepard, who just wrote this book called The Big print. All coming as speakers unpaid, and they're just going to try to deliver the best value they can to the people. Because I tell you what, Keith, I don't know about you, but it's confusing. I'm reading about tariffs, I'm reading about inflation. I'm reading about unemployment. I don't know where interest rates are going. I'm feeling it at the street level, at the main street level, with my apartment buildings, they're harder to manage. The expenses are going up. I try to create this environment to where people can show up and hear real real things, and they can make real decisions and course correct, right, and also take advantage of of some other things. We're also having a manufacturing panel, and I got a whole panel just on the Trump tax bill, because the opportunity zones, the bonus depreciation, all the stuff, these are things that you can do to be able to take action. So this is limitless expo.com. Since we're on your show, they can do KEN10. KEN10, which is a discount, the prices do go up. Obviously they're the highest. They are in July, because that's when the event is but in June, they're still lower. So I would suggest that people go this year, especially with this new administration, and everybody's like, what is going on? Hopefully we can it's starting to clear up some of the confusion that we all have right now and try to figure things out.   Keith Weinhold  48:36   It seems like all we do know is that we don't know limitless ought to help clear some of that up. It is July 31 to August 2. Tell us where it's taking place.   Ken McElroy  48:47   Yeah, it's at the gaylord in Texas, in Dallas, Texas. It's called the Gaylord Texan. It's limitless expo.com. Now we did it last year. There'll be 2000 people. We have 50 speakers. We have five stages, 50 speakers. It's a really high end event. What I mean by that is these are real people doing real deals with real businesses, real investors. It's been fantastic. I haven't had to pay speakers because of the quality of the attendee. That says a lot. It's really been interesting and great. And by the way, I don't really think having big speakers to sell tickets is the way to go. I'd rather have a real quality event, and it's really interesting once you set your mind on something. Because my investors and other investors show up because they do more than invest in just what we do. Like real estate. Everybody wants a little piece of real estate, but they also want to know about Bitcoin. They also want to know about gold, you know. And these are things that I'm not that proficient in, you know. I want to hear from experts in those fields. So it's really been a great, great event.   Keith Weinhold  49:48   You kind of crowdsource the need. You listen to what your audience was asking about, and then you delivered it for them. Limitless expo.com, use the discount code KEN10 to get. Get a discount. Ken McElroy, it's been great chatting about the direction of rents and prices in the both single family space and apartment space. It's been great having you back on the show.   Ken McElroy  50:09   Yeah, for sure. Keith, always great. Man. Good seeing you.   Keith Weinhold  50:18   Yeah. Ken, decidedly bullish on buying real estate, even calling it a great time to buy. He basically believes that because buyers have more power than they did three and four years ago, and they have more options, an emphatic prediction that the home ownership rate will fall below 60% there is profundity here. I mean, the census figures on this go back to the 1960s and the lowest it's fallen in all that time was 63% by the way, homeownership peaked in 2004 at 69% apartment values have crashed about 30% and It's probably going to get worse. So the worst isn't over, but likely will be by about the end of this year. So in Ken's opinion, most of the worst is over. I'm reading in between the lines there on that one. Hey, I hope you've been enjoying this show lately. Next week, we're going to change things up somewhat here. Recently, we've had rather prominent guests on the show, like the father of Reaganomics, David Stockman, then Russell gray last week, this week, the owner of 10,000 running units, Ken McElroy. And you know their perspectives and experience and influence, they are terrific. And I trust that you've learned from them. Next week, we'll have two GRE listeners here on the show, regular listeners, perhaps people more like you, because you can probably relate well to their stories. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  51:59   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  52:22   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text GRE TO 66866   The preceding program was brought to you by your home for wealth building, get richeducation.com    

In this episode, I explore how growing companies can effectively maintain their culture as they scale. Drawing insights from my experience with over 800 CEOs from the Inc. 5000, I address the challenges that arise when transitioning from small teams to larger organizations. I argue that attempting to preserve the original culture can be misguided; instead, leaders should focus on adaptability while upholding core values. I emphasize the importance of establishing clear values, aligning new talent with these principles, and viewing hiring as fostering a shared mission. Additionally, I discuss the necessity of evolving cultural values to keep pace with rapid changes in technology and market demands. I invite listeners to connect for resources that can aid in cultivating an environment where growth and culture harmoniously coexist.

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Monday, June 23, 2025 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 6/23/2025 Length: 27 min.

Volunteering offers a multitude of benefits. And if you end up retiring sooner than you plan to, it can offer a bridge to what you may decide to do next. Yet, it's easy to take on more than you're ready for too soon. You'll want to learn to set boundaries up front to protect your time and flexibility. Lisa Lewis shares her experiences and lessons learned about volunteering with boundaries. Lisa Lewis joins us from Tampa, Florida. _________________________ Bio Dr. Lisa T. Lewis is the Belief System (B.S.) Boss® and Founder of the Belief System (B.S.) Boss® Institute. Through her transformative Belief System training, she empowers individuals to successfully reengineer their belief systems to transform life's obstacles into possibilities. As an ordained clergy member, award-winning author, TEDx speaker, senior manager, and certified John Maxwell Team Coach, Teacher, Speaker, and Trainer, she brings a wealth of experience and knowledge to her practice, inspiring personal and professional growth in her clients. She formerly served as the Chief Budget and Financial Management Officer at the National Oceanic and Atmospheric Administration (NOAA), Office of Marine and Aviation Operations (OMAO) for both the Aircraft Operations Center (AOC) in Lakeland, Florida and the Commissioned Personnel Center (CPC) in Silver Spring, Maryland.  The AOC is best known for the ‘Hurricane Hunters,' a group of aircraft used for hurricane reconnaissance. They fly through hurricanes to help forecasters and scientists gather operational and research data. The crews also conduct other research projects, including ocean wind studies, winter storm research, thunderstorm research, coastal erosion, and air chemistry flights. Her thirty-six-year federal career began as a stay-in-school student, Clerk-Typist with General Services Administration. Although she studied Business Administration at Barton College, she found her federal niche when she was introduced to federal budgeting and finance in 1991. Since then, she has become the “Olivia Pope” of federal budgeting and finance.  She has enjoyed working at a few cabinet-level agencies: the U.S. Department of Health and Human Services with the U.S. Surgeon General and National Institutes of Health, the Department of Transportation, and the Department of Homeland Security. Aside from her recent retirement from Federal service, a few little-known facts about Lisa are that she holds several professional certifications, has authored/published several books, has completed her first TEDx Talk, has an honorary Doctor of Divinity, and is an ordained Elder in the Christian faith. __________________________ For More on Lisa Lewis  LinkedIn Website Amazon __________________________ Podcast Conversations You May Like Grace in Motion – Susan Hartzler Your Identity Beyond Your Job Title – Laverne McKinnon The Mutual Benefits of Intergenerational Volunteering – Atalaya Sergi __________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how The Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one – on your own terms. About Your Podcast Host Joe Casey is an executive coach who also helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a twenty-six-year ca...

A new MP3 sermon from Heritage Reformed Congregation is now available on SermonAudio with the following details: Title: Growing in Assurance of Faith Speaker: Dr. Joel Beeke Broadcaster: Heritage Reformed Congregation Event: Sunday - PM Date: 6/22/2025 Bible: 2 Peter 1:10 Length: 98 min.

A new MP3 sermon from The Narrated Puritan is now available on SermonAudio with the following details: Title: An Evening Prayer (2) Not that we loved God, but that He loved us Subtitle: The Pastor In Prayer Speaker: C. H. Spurgeon Broadcaster: The Narrated Puritan Event: Audiobook Date: 6/22/2025 Bible: 1 John 4:10 Length: 5 min.

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: When the big black dog is after them! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 6/22/2025 Bible: Psalm 119:67-75; Hebrews 12:5-11 Length: 3 min.

Devin Bisanz is a professional speaker trainer, who helps entrepreneurs and executives transform their speaking talents into profitable, impactful performances through his proven training methodologies.Through his online membership program and personalized coaching, Devin guides high-ticket coaches and corporate leaders to overcome stage fright and structure compelling talks, drawing from 13 years of experience training international competition winners.His journey from aspiring motivational speaker to "basketball trainer for speakers" demonstrates the impact of focusing on what truly makes a difference. Now, having trained over 2,500 workshops and with his long-awaited book finally being published, he's helping others find their confidence and command any stage.Here's where to find more:www.devinbisanz.comInstagram.com/ba_speaker_trainingLinkedIn.com/in/devin-bisanz-Facebook.com/devin.bisanz___________________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here: https://linktr.ee/unforgetyourself

Fearless Agent Coach & Founder Bob Loeffler shares his insights on Hard Work and how it's making his Fearless Agent Coaching Students rich! Fearless Agent Coaching is the Highest Results Producing Real Estate Sales Training and Coaching Program in the Industry and we can prove it will work for you if it's a good fit! Call us today at 480-385-8810 to see if it may be  good fit for you! Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, but Fearless Agent Coaching Students di all of these completely differently and get massively better results! Find out how! Listen in each week as Bob gives an overview and explains the big ideas behind making big money as a Fearless Agent! If you are earning less selling real estate than you wish you were, and you're open to the idea of having some help, We are here for you! You will never again be in a money making situation with a Buyer, Seller or Investor and not have the right words! You will be very confident! You will be a Fearless Agent! Call Bob anytime for more information about Fearless Agent Coaching for Agents, Fearless Agent Recruiting Training for Broker/Owners, or hiring Bob as a Speaker for your next Event! Call today 480-385-8810 - or go to https://fearlessagent.com Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, Spin Selling, but Fearless Agent Coaching Students do all of these completely differently and get massively better results! Find out how! Are You an Owner of a Real Estate Company - need help Recruiting Producing Agents - Call today! 480-385-8810 and go to FearlessAgentRecruiting.com and watch our Recruiting Video Real Estate Coaching training Real estate training real estate coaching real estate speaker real estate coach real estate sales sales training realtor realtor training realtor coach realtor coaching realtor sales coaching realtor recruiting real estate agent real estate broker realtor prospecting real estate prospecting prospecting for listings calling expired listings calling for sale by owners realtor success Best Realtor Coach Best Real Estate Coach Spin SellingSupport the show: https://fearlessagent.comSee omnystudio.com/listener for privacy information.

Speaker, Podcaster & Inspirational Bloke Ben Pettingill joins us for a yarn.During a normal run-of-the-mill incident at high school, Ben woke up overnight in hospital losing 98% of his eyesight at the age of 16. We discuss the initial challenges that Ben faced getting his world turned upside down and the physical and mental attitudes he implemented to adapt to his diagnosis and not let it control him. We discuss the turning point of his life when he chose to pursue public speaking to tell his story and how that grew into his very own podcast, Talkin Tough. We discuss the ins and outs of normal every day life being blind, including what Ben does to wind down, the technology he uses to aid him and why he choses not to have a service dog before wrapping up with the Guest Questions and his experience fighting in the Seven Man all in Blindfolded fight at the Podcast Royale 2.0, without a blindfold. This bloke is an inspiration and this yarn is one of the most inspiring we've had easily. We hope you enjoy trendsetters!If you are keen to get in touch with Ben about getting him along to your work, sporting club or town for a yarn, visit https://www.benpettingill.comFollow Ben on Instagram here: https://www.instagram.com/benpettingill/?hl=enCheck out Ben and Mikes Podcast, Talkin Tough, on all reputable podcast platforms and on Instagram here: https://www.instagram.com/talkintoughpodcast/?hl=enIf you are keen to get in touch with Ben about getting him along to your work, sporting club or town for a yarn, visit https://www.benpettingill.comEver wanted to watch the Podcast? Check out full visual ad-free episodes and all of our vlogs on our Patreon for only 5 bucks a week: patreon.com/alphablokespodcastBetter Beer: The Zero Carb stubbies are perfect after a big day, available at Uncle Dans and BWS: www.betterbeer.com.auFarmer To Fridge: The brand new Alpha Blokes Smokers Box is now available, a healthy range of high quality meats for any BBQ gathering with family or mates. Check it out here: https://farmertofridge.com.au/product/alpha-blokes-box/Neds: Whatever you bet on, take it to the neds level: https://www.neds.com.au/If you want to keep up to date with what we're up to, the best way is to follow us on the socials down below:PODCAST INSTAGRAM: www.instagram.com/alphablokespodcast/PODCAST TIKTOK: https://www.tiktok.com/@alphablokespodcastPODCAST FACEBOOK: https://www.facebook.com/alphablokespodcast/0:00 - Growing Up8:00 - Going Blind32:00 - Turning Point41:24 - Speaking Business51:43 - Having Kids & Proposing1:00:00 - Talkin Tough Podcast1:20:54 - Meeting Legless1:27:44 - Useful Technology1:32:14 - How Do You Wind Down?1:38:44 - Why Don't You Have A Service Dog?1:43:14 - Guest Questions2:01:30 - Podcast Royale 2.0 Seven Man Blindfolded Bout Hosted on Acast. See acast.com/privacy for more information.

In this episode, I talk to expert Amy Alkon about the critical issues surrounding women's health, particularly focusing on perimenopause and menopause. We look at the shortcomings of the medical system in addressing these stages, and Amy shares insights from her book, "Going Menopostal," emphasising the importance of understanding hormonal changes and the role of progesterone in women's health. KEY TAKEAWAYS: Lack of Training: Many gynecology departments lack adequately trained doctors in perimenopause Perimenopause Symptoms: Perimenopause can last 3 to 10 years and presents various symptoms such as sleep disturbances and bleeding Progesterone: Adequate progesterone is essential for counterbalancing oestrogen Advocacy: Women are encouraged to advocate for their health by seeking specialists, understanding their individual risks TIMESTAMPS AND KEY TOPICS: 00:00:14 - Perimenopause and menopause care. 00:09:09 - Glymphatic system and brain health. 00:21:05 - Importance of progesterone in health. 00:26:01 - Resistance training benefits for health. 00:39:00 - Women advocating for their health. VALUABLE RESOURCES Get a free snapshot of your health and personalised report at www.yourtotalhealthcheck.com 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: LVLUP HEALTH: Slow aging, repair gut health boost collagen and recovery and more with LVLUP Health's amazing products. Save 15% with code ANGELA at https://lvluphealth.com/angela Get your exclusive discount on Timeline's Mitopure at timeline.com/angela and start upgrading your mitochondria today ABOUT THE GUEST Amy Alkon is an independent investigative science writer specializing in “applied science”—using scientific evidence to solve real-world problems. Alkon critically evaluates and synthesizes research across disciplines and then translates it into everyday language, empowering regular people to make scientifically informed decisions  http://amyalkon.net X: @amyalkon 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. The High Performance Health Podcast is a top rated global podcast. Each week, Angela brings you a new insight, biohack or high performance habit to help you unlock optimal health, longevity and higher performance. Hit the follow button to make sure you get notified each time Angela releases a new episode. CONTACT DETAILS Instagram Facebook LinkedIn Affiliate Disclaimer: Note this description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. While this channel may earn minimal sums when the viewer uses the links, the viewer is under no obligation to use these links. Thank you for supporting the show! 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 health care professional before taking any steps to implement any of the items discussed in this podcast.

Life is tough and will knock you down—but with faith, you can stand strong. Join us for week two of our teaching series FIGHT! Pastor Cody will challenge us and give us practical ways to fight for our faith! Speaker:

A new MP3 sermon from The Narrated Puritan is now available on SermonAudio with the following details: Title: An Evening Prayer - 1 Subtitle: The Pastor In Prayer Speaker: C. H. Spurgeon Broadcaster: The Narrated Puritan Event: Audiobook Date: 6/21/2025 Bible: Hebrews 11:6 Length: 8 min.

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: Our sin--God's grace! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 6/21/2025 Bible: Romans 5:20; 1 Timothy 1:14 Length: 3 min.

A new MP3 sermon from Grace Audio Treasures is now available on SermonAudio with the following details: Title: Gods view of sin! Subtitle: Puritan Devotional Speaker: C. H. Spurgeon Broadcaster: Grace Audio Treasures Event: Devotional Date: 6/21/2025 Bible: Habakkuk 1:13; Psalm 5:4-5 Length: 3 min.

A new MP3 sermon from Hackberry House of Chosun is now available on SermonAudio with the following details: Title: Substitution Subtitle: Spurgeon sermons Speaker: C. H. Spurgeon Broadcaster: Hackberry House of Chosun Event: Teaching Date: 6/23/2025 Bible: 2 Corinthians 5:21 Length: 54 min.

A new MP3 sermon from The Narrated Puritan is now available on SermonAudio with the following details: Title: The Disciple Whom Jesus Loved Subtitle: The Pastor In Prayer Speaker: C. H. Spurgeon Broadcaster: The Narrated Puritan Event: Audiobook Date: 6/21/2025 Bible: John 21:20 Length: 9 min.

A new MP3 sermon from Answers in Genesis Ministries is now available on SermonAudio with the following details: Title: The Bible Got It Right Subtitle: Answers with Ken Ham Speaker: Ken Ham Broadcaster: Answers in Genesis Ministries Event: Radio Broadcast Date: 6/20/2025 Length: 1 min.

A new MP3 sermon from Hopewell Associate Reformed Presbyterian is now available on SermonAudio with the following details: Title: Persevering in Unpopular Faith Subtitle: Family Worship Speaker: James Hakim Broadcaster: Hopewell Associate Reformed Presbyterian Event: Devotional Date: 6/20/2025 Bible: Revelation 14:6-13 Length: 19 min.

A new MP3 sermon from Truth Matters Church is now available on SermonAudio with the following details: Title: Put On Love (Col. 3:12-14) Subtitle: Expository Devotionals Speaker: Jeremy Preece Broadcaster: Truth Matters Church Event: Devotional Date: 6/20/2025 Bible: Colossians 3:12-14 Length: 5 min.

A new MP3 sermon from The Bible Provocateur is now available on SermonAudio with the following details: Title: LIVE DISCUSSION: 666 to BUY/SELL (PART 6 of 6) Speaker: Jonathan Eubanks Broadcaster: The Bible Provocateur Event: Debate Date: 6/20/2025 Length: 35 min.

A new MP3 sermon from The Bible Provocateur is now available on SermonAudio with the following details: Title: LIVE DISCUSSION: 666 to BUY/SELL (PART 5 of 6) Speaker: Jonathan Eubanks Broadcaster: The Bible Provocateur Event: Debate Date: 6/20/2025 Length: 35 min.

A new MP3 sermon from The Bible Provocateur is now available on SermonAudio with the following details: Title: LIVE DISCUSSION: 666 to BUY/SELL (PART 4 of 6) Speaker: Jonathan Eubanks Broadcaster: The Bible Provocateur Event: Debate Date: 6/20/2025 Length: 35 min.

A new MP3 sermon from The Bible Provocateur is now available on SermonAudio with the following details: Title: LIVE DISCUSSION: 666 to BUY/SELL (PART 3 of 6) Speaker: Jonathan Eubanks Broadcaster: The Bible Provocateur Event: Debate Date: 6/20/2025 Length: 35 min.

A new MP3 sermon from The Bible Provocateur is now available on SermonAudio with the following details: Title: LIVE DISCUSSION: 666 to BUY/SELL (PART 2 of 6) Speaker: Jonathan Eubanks Broadcaster: The Bible Provocateur Event: Debate Date: 6/20/2025 Length: 35 min.

A new MP3 sermon from The Bible Provocateur is now available on SermonAudio with the following details: Title: LIVE DISCUSSION: 666 to BUY/SELL (PART 1 of 6) Speaker: Jonathan Eubanks Broadcaster: The Bible Provocateur Event: Debate Date: 6/20/2025 Length: 35 min.

A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: Catching Up on a Bunch of Articles and Memes Subtitle: The Dividing Line 2025 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Podcast Date: 6/19/2025 Length: 68 min.

A new MP3 sermon from Truth For Life - Alistair Begg is now available on SermonAudio with the following details: Title: Anchored by Grace Speaker: Alistair Begg Broadcaster: Truth For Life - Alistair Begg Event: Sunday Service Date: 10/24/2024 Bible: 1 Peter 4:12-5:11 Length: 47 min.

A new MP3 sermon from Wretched Radio is now available on SermonAudio with the following details: Title: Wretched Radio | June 21, 2025 Speaker: Todd Friel Broadcaster: Wretched Radio Event: Radio Broadcast Date: 6/19/2025 Length: 52 min.

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Friday, June 20, 2025 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 6/20/2025 Length: 30 min.

32:11- Sheriff Shaun Golden on conditions in Monmouth County following yesterday's storms 50:37- Daniel Hoffman, Ret. CIA Senior Clandestine Services Officer and a Fox News ContributorTopic: Latest between Israel and Iran, Edan Alexander returns home to Tenafly, NJ 59:38- Col. Kurt Schlichter, Attorney, Retired Army Infantry Colonel with a Masters in Strategic Studies from the United States Army War College, Senior Columnist at Town Hall, and the author of "Lost Angeles: Silver Bullets on the Sunset Strip"Topic: Trump weighing military action against Iran 1:26:20- Pastor Corey Brooks, founder and Senior Pastor of New Beginnings Church of Chicago and founder and CEO of Project H.O.O.D. Communities Development CorporationTopic: Christians killed in Nigeria 1:32:56- Dr. Betsy McCaughey, New York Post columnist, former Lt. Gov. of NY State, Chairwoman and founder of the Committee to Reduce Infection DeathsTopic: "Subway crime starts at the turnstile — and every Democrat fails the test" (New York Post op ed) 1:46:35- Gordon Chang, Asia expert, columnist and author of "China is Going to War"Topic: Mystery flights from China to Iran 1:55:25- Monmouth County power update from JCP&L Spokesman Christopher Hoenig 2:00:52- Elizabeth Pipko, Former GOP National Spokesperson, model, actress, and the author of "Finding My Place"Topic: Israeli-Iranian conflict 2:15:52- Newt Gingrich, former Speaker of the U.S. House of Representatives and 2012 presidential candidate, Chairman of Gingrich 360, and a Fox New contributorTopic: His new book- "Trump's Triumph: America's Greatest Comeback"See omnystudio.com/listener for privacy information.

Speaker Matt Hall, Speaker of the Michigan House of Representatives. Update on House Republicans' meetings with the Trump Administration, discuss the MI House's FY26 Education Budget, and outline upcoming legislative priorities.

See omnystudio.com/listener for privacy information.

Today's Masked Speaker found something buried in their backyard... that was NEVER meant to be found. Now it's causing a MAJOR dilemma in his life...See omnystudio.com/listener for privacy information.