These days, everything made from fossil fuels costs more than it did a year or two ago. Aside from the price of gas and heating oil, products MADE from oil, like shingles, plastics and asphalt, are more expensive too. That's bad news for municipalities that budgeted for road work and other infrastructure projects months ago. Amy Coady is a town councillor in Grand Falls-Windsor and president of Municipalities Newfoundland and Labrador.
Hey Clemson Family, now that Tigers football is about to hit the tough part of its 2022 schedule, it's time to recap not just Clemson's 48-20 win over Louisiana Tech but the first three games as a whole – starting with the surprising issues that the Tiger D is seeing so far. Did they address one problem but simply open up another? College offenses are designed to force an opening somewhere. With two well-coached and talented teams ahead in Wake Forest and N.C. State, let's take stock of how Clemson's hyped defense stands to improve as a tough stretch of games stares them in the face -- and where optimism can be found. On offense, D.J. Uiagalelei and Will Shipley have been finding their strengths under new offensive coordinator Brandon Streeter, and we might have seen during Saturday night's win how things might start evolving for the Clemson attack as it tries to resurrect the form it had in winning two national championships. We're glad you found us, Clemson Family -- check out our homepage at ClemsonKickoff.com!
Juco and Whiskey Wednesday talk about 1. The 59-3 victory over Central Arkansas 2. The upcoming matchup against Georgia Tech 3. Changing expectations for the season --- Support this podcast: https://anchor.fm/podcast-rebellion/support
On today's Locked on Ole Miss podcast we talk about the keys to winning Saturday in Atlanta vs the Georgia Tech Yellow Jackets. We look at what the Western Carolina Catamounts were able to do well and give the jackets trouble. We talk about Jeff Sims being a read option pull threat and the need of Chris Partridge and his Ole Miss defense to be disciplined. We touch on the need for it to be operationally sound on the road for the first time. And of course the line of scrimmage will come into play in this game. We dig into this being the first road game and talk about the potential challenges associated with doing this for the first time and Lane Kiffin and Charlie Weis Jr has their hands full. I expect some hiccups when the Ole Miss football team travels for the first time. Finally, we talk about Jeff Sims the Quarterback of Georgia Tech and how he has impressed me thus far. He may not put up huge numbers but he is the player that if Georgia Tech makes a game of this it will be because of him. WANT MORE OLE MISS SPORTS CONTENT? Follow and Subscribe to the Podcast on these platforms:
As students in Vermont head back to classes and extracurricular activities, families are grappling with trying to coordinate the busy schedule of school sports. One challenge is a lack of officials available to referee, with football taking an especially hard hit.
This episode features a conversation with Bob Eisiminger ‘88, Entrepreneur, and Founder and Former CEO of Knight Point Systems. He is also a member of the Board of Directors at Chaminade University of Honolulu and Patriapps Software Venture Studio, and Board of Experts at Birthing of Giants Fellowship Program.Bob is a serial entrepreneur, an investor in veteran led companies, and a former CEO. In 2005, he founded Knight Point Systems, after graduating from the U.S. Military Academy at West Point. While in the United States Army, Bob was an Air Defense Artillery Platoon Leader/Tactical Control Officer in Germany, a Public Affairs Officer at Fort Bliss in Texas, and an Airborne and Jungle Operations Expert. Bob is a graduate of the Birthing of Giants Fellowship Program, where post-exit entrepreneurs teach business owners how to grow companies for the purpose of acquisition, and is the recipient of the EY Entrepreneur of the Year Award for the Mid-Atlantic Region in the category of Government Services.In this episode of On Point, Bob discusses how his West Point and Army experiences helped him develop his hundred million dollar business, what it's like to work alongside the United States government, and the importance of surrounding yourself with people that will help make you a better person. He also talks about what it was like serving in Germany during the cold war and fall of the Berlin Wall, and how giving back to West Point graduates continues the same cycle that ultimately afforded him great success in business.-----------Key Quotes"I see my role now as if anyone reaches out to me, I'm going to go meet with them. Young west point graduates, guys getting outta the service, they wanna talk about, you know, whether they should go work for a big or small. I will offer up my time to anybody, because people offered up their time to me. And, I think giving back to the community that you came from, that you grew up in so important." - Bob Eisiminger-----------Episode Timestamps(02:19) Segment: AAR(04:00) Experience at West Point(07:00) Mentorship at the academy(08:40) Experience in the Army(10:30) Transitioning out of service(16:00) Starting Knight Point Systems(20:30) How the military prepared Bob for business(27:05) Startup tips(31:10) Segment: SOP(34:05) Mentorship(36:30) Segment: Giving Back-----------LinksBob's LinkedInWest Point Association of GraduatesOn Point Podcast
Today we talk to Mr. Max Van Eck about his journey to becoming a World Champion and an important lesson his mom instilled in him. Visit atama.ninja/uncut and use code ATA to join our special project! The ATA Nation Podcast is for students, families, friends and instructors of Songahm Taekwondo! Be sure to subscribe and share with your ATA family Follow us on Instagram @ATANationPodcast
The COVID-19 pandemic helped to expose a chronic shortage of truck drivers in America – and a scarcity of places for those truckers to park, too. That has big implications for how we get the products we need, and how much we pay for them.
All three of us have hunted private and public ground with success. Like all of you, we have faced the challenges as well. You can still find ways to get permission on private ground. You can still kill big bucks and bulls on public ground just as you can on private land. All your success comes from the work you put in on the opportunities you get. On this episode we dive into our knowledge of hunting both private and public ground, how you can still gain access to private ground, and how to still be successful no matter where you hunt.
The season is nearly here and guard McKade Mettauer says the Sooners are preparing to out-tough their opponents. Hosts John Williams and Josh Helmer discuss what that means for Oklahoma football. What would that look like for the Sooners? Also, which offensive and defensive playmakers are we most looking forward to. Finally, when can fans be confident that OU is in college football's top tier? Support us by supporting our sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code "LOCKED15" and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline - Where The Game Starts! Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices
USC Fall Camp practice Lincoln Riley Raleek Brown Stanley Ta'ufo'ou De'jon Benton tight ends Josh Falo Malcolm Epps Lake McRee Jude Wolfe Ethan Rae Domani Jackson Ceyair Wright Mehki Blackmon team chemistry camaraderie offense tempo development wide receivers coach Dennis Simmons When Pete Carroll was USC's head coach, the players often said that the practices were tougher than the actual Saturday games. Following Tuesday's USC fall practice, head coach Lincoln Riley suggested things will be similar in 2022. Plus we check in with RB transfer Travis Dye who talks about the team's camaraderie, and the offense's development; he loves the tempo and their ability to march up and down the field. And I give 3 Not-So-Bold Predictions. WHEN YOU'RE NOT LISTENING HERE HEAD ON OVER TO WEARESC.COM FOR MORE TROJAN NEWS & NOTES! Support Us By Supporting Our Sponsors! LinkedIn: LinkedIn jobs help you find the candidates you want to talk to, faster. Post your job for free at Linkedin.com/lockedoncollege Terms and conditions apply. Built Bar: Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline: BetOnline.net has you covered this season with more props, odds, and lines than ever before. BetOnline – Where The Game Starts! Listen where ever you get podcasts: APPLE: https://apple.co/3Aveb9o SPOTIFY: https://spoti.fi/3Reye1r GOOGLE: https://bit.ly/3bHmlAT Follow Marc! TWITTER: https://twitter.com/MarcKulkin WeAreSC.com Learn more about your ad choices. Visit podcastchoices.com/adchoices
UK Data Protection Reform. Or, data the new strategy. Would it set a new standard in the data protection world? Or will it degrade GDPR Standard that the UK has through UK GDPR? Punit is joined by Kuan Hon for a conversation about all these questions relating to UK Data Protection Reform. Take a listen and get to understand the reform from someone who is involved in it. Disclaimer: Although Kuan is a member of the UK's International Data Transfer Expert Council, her views are personal to her alone and should not be taken to represent the views of the Council or any UK government department KEY CONVERSATION POINTS 00:00:00 Intro 00:01:46 Privacy Journey 00:03:14 About Data – The New Direction 00:04:50 Why do we need this 00:06:21 Understand what is changing in data protection 00:09:48 Is it Tougher than EU GDPR? 00:11:09 Categorizing Data will be allowed? 00:15:06 Impact on UK Adequacy 00:19:35 Do we still need DPO to implement this new law? 00:24:09 New builds of laws 00:26:25 Reformed, Change for Cookies 00:29:17 Timeline, Next step to bill for the new direction 00:31:58 Thank you ABOUT THE GUEST Dr. W Kuan Hon is Of Counsel in the Privacy and Cybersecurity Group of leading international law firm Dentons. An English solicitor and New York attorney with degrees in computing science as well as law, Kuan advises not only on data- and security-related laws but also on broader tech law issues, particularly regarding cloud and AI. She is a member of the UK government's International Data Transfer Expert Council, an Editor of the Encyclopedia of Data Protection and Privacy, and a guest lecturer for the Department of Computing at Imperial College London. Kuan previously volunteered for the UK Information Commissioner's Office, the UK National Cyber Security Centre, and the UN Privacy Preserving Techniques Legal Task Team. She is the author of "Data localization laws and policy - the EU data protection international transfers restriction through a cloud computing lens" (Edward Elgar, 2017) and has contributed to other books and written numerous articles. Although Kuan is a member of the UK's International Data Transfer Expert Council, her views are personal to her alone and should not be taken to represent the views of the Council or any UK government department Link to Bio: https://www.dentons.com/en/kuan-hon ABOUT THE HOST Punit Bhatia is one of the leading privacy experts who works independently and has worked with professionals in over 30 countries. Punit works with business and privacy leaders to create an organizational culture with high privacy awareness and compliance as a business priority. Selectively, Punit is open to mentoring and coaching privacy professionals. Punit is the author of books “Be Ready for GDPR” which was rated as the best GDPR Book, “AI & Privacy – How To Find Balance”, “Intro To GDPR”, and “Be an Effective DPO”. Punit is a global speaker who has spoken at over 30 global events. Punit is the creator and host of the FIT4PRIVACY Podcast. This podcast has been featured among the top GDPR and privacy podcasts. As a person, Punit is an avid thinker and believes in thinking, believing, and acting in line with one's values to have joy in life. He has developed the philosophy named ‘ABC for the joy of life' which passionately shares. Punit is based out of Belgium, the heart of Europe. RESOURCES Podcast https://www.fit4privacy.com/podcast Blog https://www.fit4privacy.com/blog YouTube http://youtube.com/fit4privacy --- Send in a voice message: https://anchor.fm/fit4privacy/message
The older you get, the harder it gets. Just wait until you cross the 40-year old mark. I have to work twice as hard as I did in my 20s to stay in shape. And I'm not even close to where I want to be. I surround myself with Olympia-type athletes like Jason Poston, Steve Kuclo, and Steve Weatherford to keep me motivated. Otherwise, I would be chowing down on tacos and making a mess of myself with margaritas. One thing Jason Post said to me was pretty profound: "It's one thing for people to clap for the people who were overweight, and got skinny, but no one is clapping and celebrating those who have been doing it consistently for the last 20 years. Dieting, exercising, and sacrificing." That hit me hard. And so, I went harder on my work out. What I was eating. How much I was sleeping. I had to get serious if I intend to be here well into my 90s. If there's something you want, just know, it's going to get harder as you get older. Don't let off the gas. Put the pedal to the medal! And you'll come out on the winning side. #RiseAbove HOW TO GET INVOLVED: This planet is based on an algorithm and with every positive action, there is an adverse reaction. Ryan Stewman rose and overcame a life of addiction, imprisonment, divorce, and circumstances that would break the spirit of the average human being. He went on to create a powerful network of winners and champions in life and business creating a movement quickly changing lives one day at a time. Learn more at: www.JoinTheApex.com Check out this show and previous killer episodes of the ReWire Podcast in Apple Podcasts.
Host of the Bills Radio Network Pregame and the Extra Point on WGR Buffalo Joe DiBiase joins Game Play to tee up the upcoming season for the Buffalo Bills. DiBiase shares his thoughts on the unusual amount of attention Bills' punter Matt Araiza is receiving in preseason, why Gabriel Davis and Isaiah McKenzie are in a prime position for huge production this season, how the Bills will fare facing a tougher schedule this season, and more.
Cody Collier and team members Dayton Hickey and Gavin Jenkins jumped on the chance to race the 9hr preparing the Can-am 850. The 2 best 4x4 pro teams Cody got by BNR early but almost immediately lined choices. Stick that got in the electrical on the bars causing them to have problems on the first lap putting them in last place and 10 plus mins back. The build time and prep done by Mike Segers pays off for a very reliable machine the motors are very durable as long as the correct clutch parts are used. Lap times from sport quads to 4x4 have some spread on roughly a 21-minute sport quad lap your fastest 4x4 rider is in the high 22:40's with a few problems with electrical the Can am's couldn't quit beating the sport ATV teams but the pro 4x4 battle was heating up coming into the final laps The race for the overall had all but been taken away from the PRO 4x4 teams as the race was closing in on the last few laps Cody's unit was fighting for every inch the BNR team was unfortunately for them having things happen to bring them closer to Cody and the boy's. The race came down to the last lap
The NBA schedule has officially been released, so what will this season look like for the Celtics. Philadelphia 76ers beat reporter Keith Pompey joins to discuss their season opening matchup, and how each team will fit in the East. The A List Podcast is Powered by BetOnline.ag, Use Promo Code: CLNS50 for a 50% Welcome Bonus On Your First Deposit! The A List Podcast is Powered by Indeed! Start hiring RIGHT NOW with a 75$ SPONSORED JOB CREDIT to upgrade your job post at https://Indeed.com/ALIST ! A List Podcast w/ A. Sherrod Blakely & Kwani A. Lunis: Ep. 89 The A List Podcast with Sherrod and Kwani, is available on iTunes, Spotify, YouTube as well as all of your podcasting apps. Subscribe, and give us the gift that never gets old or moldy- a 5-Star review - before you leave! TIMESTAMPS: 00:00 - NBA schedule reaction. 3:48 - 76ers vs. Celtics season opener thoughts 5:45 - Will the Sixers improve without Ben Simmons baggage? 7:45 - The season opening matchup is a great barometer for the Sixers. 10:14 - James Harden is due for a bounce back season. 12:00 - Doc must pass the second round to stay with the Sixers. 13:40 - What is the Sixers interest in Kevin Durant? 20:38 - The Celtics could finish first in the East. 22:41 - Kevin Durant would take the Celtics a step back. 26:30 - KD has made himself seem unlikable. 31:00 -What will it take for each team to win the season opener? 35:50 - What Celtics matchups stick out this season? 39:40 - Do the Celtics have the toughest road schedule? 44:20 - Draymond Green gets his fifth ring.
Hot, Hot solo episode for Pete. This week is a quick recap of why the Pod has been delayed and a reintroduction for any new listeners. Enjoy and like, share, rate, review, sub, etc.IG & Twitter: @petemorriscom YouTube: https://www.youtube.com/channel/UCaSnHvPkgige_GX2C4YedeQtik tok: @wellseepodEmail us something mean: firstname.lastname@example.orgIntro Song:Easy Rider by: Action Bronson, Arian Asllani, Justin Nealis, Mahzhar Alanson, Zafer HakansoyAlbum: Mr. Wonderful
Coming up on todays edition of the Locked On Raiders podcast, HC Josh McDaniels met with the media on Monday, i will have some soundbites from what he had to say, plus Amber Theoharis from Sirius XM Radio joined my radio show to talk all things Silver N Black, you will hear a few sound bites from her. Also who made a name for themselves on Sunday that will make cutdown decisions a little tougher than at first expected, your calls and text will close out the show. Sponsored by : Athletic Greens To make it easy, Athletic Greens is going to give you a FREE 1 year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase. All you have to do is visit athleticgreens.com/NFLNETWORK. Elias NFL season is right around the corner, so don't wait! Find Elias Game Plan in the App Store or Play Store today! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Karen Boyd is a 56 year old mother, wife and chess lover with a background in computer programming. She often appears in the videos and streams of her husband, GM Ben Finegold, but she also does a ton of the work behind the scenes, producing Ben's content. Despite Karen's busy life, she has been making lots of time for chess study and joined me after a busy summer with plenty of chess tournaments in the United States. Karen assiduously documents her chess study, and has been averaging about 3 hours per day of study when not on the road. She showed some good results in the World Open, and is on the verge of eclipsing her personal high rating of 1421. In our interview, she discussed her background, her study regimen, her goal, her relationship with Ben, and why she thinks she currently finds tournaments more enjoyable than her husband does. I really admire the dedication that Karen is showing to chess and look forward to seeing her continued chess progress. More details, timestamps and relevant links can be found below. 0:00- If you or someone you know is interested in appearing as an adult improver, you can submit their info via the online form here: Interested in Appearing on the Pod as an Adult Improver? — The Perpetual Chess Podcast 1:00- Karen has been studying chess for 3 hours per day and traveling far and wide to play in many tournaments. Why? Mentioned: Check out Karen's study log here: https://atlchessclub.com/ChessLog/ChessStudyLog.pdf 5:00- How does Karen feel about her recent progress, after a busy summer. 10:00- Why does Karen prefer classical chess? Mentioned: Justin Morrison of Kids Chess Zone 16:00- Karen's husband, GM Ben Finegold, has said he is retiring from OTB chess. Does Karen think he will change his mind someday? 19:00- What are Karen's current chess goals? Mentioned: How to Beat Your Dad at Chess, Chessable's Checkmate Patterns Manual 22:00- Perpetual Chess is brought to you in part by Aimchess.com. Aimchess' algorithm reviews your games and gives you actionable advice on how to improve your game. Check it out for free, and if you choose to subscribe you can use the code Perpetual30 to save 30%. Or use this link for the same discount: https://aimchess.com/try?ref=benjohnson12 Perpetual Chess is brought to you in part by Chessable.com. Their new courses include a new one by GM Levon Aronian, and GM Magnus Carlsen and GM David Howell recently released a free lesson, Grind like a GM! Check out what's new here: https://www.chessable.com/courses/all/new/ 24:30- Karen discusses her chess beginnings. 31:00- Patreon mailbag question: How did Karen and GM Ben Finegold meet? Mentioned: GM Var Akobian 35:00- Patreon mailbag question: Does Karen think she is treated differently a) because she is a woman? b) because she is married to a GM? 39:00- Welcome to the Chess dot bomb! Karen discusses her favorite Chess.com premium features, which include the tactics trainer. If you decide to upgrade to a premium membership at Chess.com, you can help support the pod by signing up using this link (https://go.chess.com/Perpetual). 42:00- What was Karen's inspiration for her study log? 43:00- How do Karen's two coaches, FM Aviv Friedman and NM Spencer Finegold, work with her to improve her chess? 45:00- What is Karen's approach to openings? 48:00-How would Karen characterize (or describe) her strengths and weaknesses as a ches player? 51:00- Why does Karen “play up” in higher sections? 53:03- Are there days where Karen doesn't feel like doing chess? 56:00- Karen's closing advice 58:00- Thanks so much to Karen for joining the show. Here are some of the ways you can follow her chess progress: Twitter- https://twitter.com/Karen_Chess1 Twitch- https://www.twitch.tv/karen_chess GM Ben Finegold's Twitch- https://www.twitch.tv/gmbenjaminfinegold Learn more about your ad choices. Visit podcastchoices.com/adchoices
The July inflation numbers came in lower than analysts expected. Congress just passed an "Inflation Reduction Act". Is the tide turning in favor of business? Phillip investigates across the board to highlight why we are likely in for a long, hard road...and how businesses can be prepared. Learn more about Sol Insights: https://www.solinsights.com Email your questions for Phillip on upcoming episode to email@example.com
There are calls for Clare County Council to be tougher on those who won't pay social housing rents, and to enhance support for those who can't pay. Ennis Fine Gael Councillor Johnny Flynn has been telling Clare FM's Josh Prenderville that a greater engagement between approved housing bodies and the local authority may be needed as many grapple with the cost of living crisis.
Thursday's "Connecticut Today" with Paul Pacelli featured news about a key move at the top of Bob Stefanowski's gubernatorial campaign (0:22). U.S. Navy veteran and Heritage Foundation analyst Brent Sadler joined us to chat about the current state of Navy readiness (8:45). Image Credit: Getty Images
In this episode, we discuss the 7 steps that property investors can take to attract a tenant in a tougher rental market. This includes doing basic cosmetic renovations to the property, adding sweeteners for the tenant, and adding in appliances that the tenant might need.
The Narendra Modi government is looking at ways to check states' spending on handouts like free electricity and rations. The first step is to tighten the noose on state borrowings. ----more---- https://theprint.in/economy/we-are-cracking-down-how-modi-govt-plans-to-make-it-tougher-for-states-to-fund-freebies/1074541/
Filthy Power Brandon Allen is a monster in powerlifting with superhuman numbers a TOTAL of 2430.6 Joins The Crew of Legends of Iron. He lays it all out there and holds nothing back about his life powerlifting, training and motorcycles. We learn about Brandon in this episode so tune in!From tearing his quad with a 925 lbs squat then having a bad motorcycle accident and a battle with depression he speaks on it in the show. He tells you how it is and That these things happen and you have to deal with it because it wont fix itself.A new passion has found him! Professional Arm Wrestling. With that being said he hold a victory over the power house Larry Wheels. Brandon walks us through the whole event breaking down exactly what his game plan was and how important it was to stick to it. The heat he received for that victory was epic and he love every moment of it.Brandon Allen Instagram @brandonallenfilthypower https://www.instagram.com/brandonallenfilthypower/Website https://filthypowerindustries.comCoaching firstname.lastname@example.orgYouTube https://www.youtube.com/channel/UCj7_oGDOjI7LvRvVPUDVcoQLegends of Iron linkshttps://lnk.bio/legendsofironHost of Legends of Iron Facebook https://www.facebook.com/LegendsofIron/Jon Andersen Instagram @thejonandersen https://www.instagram.com/thejonandersen/Website https://www.jonandersencoaching.com/copy-of-fb-landing-pageNick Best Instagram @nickbeststrongmanhttps://www.instagram.com/nickbeststrongman/YouTube https://www.youtube.com/user/NickBestProStrongman?app=desktopAkim Williams Instagram @akim_bkbeast_williamshttps://www.instagram.com/akim_bkbeast_williams/Podcast Producer Ben Bulman Of Angry Dad Podcast Instagram @B2thethpowerhttps://www.instagram.com/b2the4thpower/Website https://lnk.bio/angrydadpodcastEditing and Production ConsultantMike Pulcinellahttps://www.youtube.com/c/MikePulcinella1/featuredInstagram @mikepulcinellaPresented By MuscleMedshttps://musclemedsrx.com/#BrandonAllen #PowerLifting #LegendsofIron
I explain a few practical tips today on how to win against higher rated players. --- Send in a voice message: https://anchor.fm/chessknowledgewithh1/message Support this podcast: https://anchor.fm/chessknowledgewithh1/support
7-29 Segment 4 - Acquiring a SUPERSTAR player at 23yo - Andy Strickland steals the show producer - Tougher road to the NHL... last name + private school OR unknown and public school - Tom Stillman has PROVEN he will spend $
Chun Wang, senior analyst and portfolio manager at the Leuthold Group, says that the market has priced in a shallow recession -- a near soft landing -- but that the Federal Reserve's record of engineering such a smooth outcome is poor, leaving a strong chance that the central bank tightens too much and dramatically increases the risk and severity of recession. Wang believes that inflation has peaked or nearly peaked, but that it will likely settle in around 5 percent -- a level higher than the Fed wants -- eliminating the obvious moves and leaving much harder choices amid a damaged market in 2023. Also on the show, Tom Lydon of VettaFi talks about two key factors in today's market -- high quality and low volatility -- in picking his ETF of the Week, Giles Coghlan, chief currency analyst at HYCM returns to help Chuck answer an audience member's question on trying to take advantage of changes in exchange rates around the strengthening dollar, and Charles Rotblut of the American Association of Individual Investors discusses the 'expected value' of buying a Mega Millions ticket for this week's billion-dollar lottery, and why this is one of the rare times when it makes investment sense to take a flyer.
Especially for small businesses, of course. Steve Sipress, entrepreneur, marketing, sales, tips, ideas, help, strategy, small business owner, direct response, tactics, success, profits, growth, results, marketing consultant, Congress, bill, law, bipartisan, Data, Privacy, Protection, Act, track, tracking, target, targeting, targeted, ad, ads, advertising, online, digital, Google, Facebook, YouTube, browse, browsing, internet, web, net,
Wednesday 20th July 2022 Markets are preparing for a big rate rise by the ECB tomorrow. NAB's Rodrigo Catril says they are hiking when the expectation is that the Nordstream pipeline won't fully reopen for some time, if at all. “No energy means no growth”, he says, with the likelihood that Europe is heading for a major recession. Is the central bank prepared for that? Politically, can Europe cope with it all? Also today, we look at what the Bank of England's Andrew Bailey had to say about UK rate expectations, ahead of inflation numbers later today. Plus, is the RBA preparing the market for a 75bps hike? And those flicking the off switch on Netflix - not as bad as expected.
Pastor JD talks about how the Lord always prepares us ahead of time for tougher trials that He knows are coming our way, then celebrates communion at the conclusion. Social MediaProphecy Website: http://jdfarag.orgMobile/TV Apps: https://subsplash.com/calvarychapelkaneohe/appChurch Website: http://www.calvarychapelkaneohe.comTwitter: https://twitter.com/JDFaragFacebook: https://www.facebook.com/JDFaragInstagram: https://www.instagram.com/JDFarag
Pastor JD talks about how the Lord always prepares us ahead of time for tougher trials that He knows are coming our way, then celebrates communion at the conclusion. The post Preparation for Tougher Trials Ahead, Jeremiah 12 – July 7th, 2022 appeared first on Calvary Chapel Kaneohe.
Devon Givens and Keith Pompey discuss whether the Philadelphia 76ers got better, and just not tougher, with the free agent acquisitions of P.J. Tucker and Daniel House. They also talk about players who have signed for the Summer Sixers training camp. And they conclude the podcast talking about the top free agent additions and trades around the NBA. Subscribe to the Locked On Sixers Podcast
Your Financial Independence Day happens when your residual income stream amount exceeds your basic monthly expenses. Rental demand is high for three big reasons: rates are rising, stringent mortgage qualification standards, housing undersupply. I answer three listener questions: Should I make a big down payment? Is borrowing at lower than inflation profitable? What about prepayment penalties? Ridge Lending Group President Caeli Ridge joins us to discuss today's mortgage lending landscape. Today, are ARMs beginning to make more sense than fixed-rate mortgages? We explore. Learn about the cash-out refinance climate. Second mortgages on income properties are still limited. Does it ever make sense to refinance to a higher mortgage interest rate? We discuss. Caeli Ridge thinks mortgage rates will keep rising. Resources mentioned: Show Notes: www.GetRichEducation.com/404 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Freddie Mac Includes On-Time Rent Payments Into Underwriting: https://www.housingwire.com/articles/freddie-mac-to-include-on-time-rent-payments-into-underwriting/ Airbnb Enacts Permanent Party Bans: https://www.cnbc.com/2022/06/28/airbnb-makes-its-party-ban-permanent.html JWB's available Florida income property: www.jwbrealestate.com/gre To learn more about eQRPs: text “GRE” to 307-213-3475 or: eQRP.co By texting “GRE” to 307-213-3475 and opting in, you will receive periodic marketing messages from eQRP Co. Message & data rates may apply. Reply “STOP” to cancel. Make passive income with apartment and other syndications: www.imaccredited.com Best Financial Education: GetRichEducation.com Get our free, wealth-building “Don't Quit Your Daydream Letter”: www.GetRichEducation.com/Letter Our YouTube Channel: www.youtube.com/c/GetRichEducation Top Properties & Providers: GREmarketplace.com Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Partial transcript: Welcome to GRE! I'm your host, Keith Weinhold. Happy Financial Independence Day on American Independence Day. I answer some of your most burning listener questions today. Shifts in the mortgage market could now change your strategy. Does a cashout refinance to a higher mortgage rate make sense or not? Is an adjustable rate mortgage actually feasible for you now and lots more… on Get Rich Education. _____________________ Hey, welcome in to GRE. From San Luis Obispo, CA to Saint Louis, Missouri and across 188 nations worldwide, you're back in that abundant place. And you've got to lead with an abundance mentality around here. How many places can you do that when the scarcity mentality is abundant and the abundance mentality is scarce. I'm Keith Weinhold. This is Get Rich Education. Though it's American Independence Day… is it your financial independence day. Are you drawing closer to that day… as you add income streams in your life. With 8.6% government-admitted inflation and stagnant wages and a higher cost of living… has there EVER been a more important time in your entire life to add an income stream through real estate? You can make the case that this is the most important time for you to do that. I am about to answer your listener questions here on July 4th. It's also Episode 404. There's no chance that this becomes an error 404. Some dorky humor there. First… Freddie Mac is going to include on-time rent payments into underwriting. Yes! This starts next week. This is a good thing for you. This incentivizes renters to make on-time payments to you if they ever want to become homeowners. …and… Airbnb enacts a permanent ban on parties. They & VRBO have long struggled with what to do about parties. I just shared those stories with you in Friday's newsletter. If you didn't see them, they're in the Show Notes of today's episode. Be sure to get our free “Don't Quit Your Daydream” newsletter. We've been really informing you about so much in the real estate world there. We've also been telling you about our webinars. I know that some of you enjoyed last week's Texas properties webinar. Stay up-to-date with our newsletter at: GetRichEducation.com/Letter Now, let me tell you. Back in the year 2004, eighteen years ago. Yes, I was an active REI then. My tenants were increasingly leaving. They were vacating my property and I had to find a new renter. This was increasingly happening for a few reasons: #1 is that mortgage rates were falling then. But secondly, and really the big reason is that anyone could qualify for a loan. Mortgage underwriting standards were so lax that nearly any human could get a loan, even if they had zero income. So… loans were too easy to get. Then the third reason that my tenants seemed to be vacating is that there was ample supply - and an oversupply of properties - first-time homes - for them to move into. Well, today, all THREE of those criteria are flip-flopped. First, mortgage rates are rising. Second, mortgage qualification standards are tough. Tougher than Kevlar. And thirdly, there's an undersupply of homes, especially these entry-level homes that make the best FTHB places. That's precisely why rental demand is sky high today, tenants are not fleeing to become homeowners, rental occupancy is close to 100% in many markets, and rents are rising multiples faster than historic norms. These phenomena can move you closer to you financial independence day. I had a group of financing-themed listener questions come in recently, so I want to get to three of those before we talk more about today's lending landscape later. ________________ The first question comes from Dave in Bellingham, Washington. “Keith, I thought it was good to make a big down payment on a property. That way, I'd have not only less debt, but I'd have the benefit of having a smaller mortgage payment over time. This means I'd pay less interest over the life of the loan too. Can you tell me more about how FF beats DF?” That's from Dave. Good question, Dave. Common question. In fact, there was a time in my life, before I ever owned any real estate where that same line of thinking made complete sense to me. I even thought, “If I could be mortgage-free and own a property, I'd have it made.” Dave, let me answer this in a somewhat different way than I've answered it before for other listeners' benefit. If you can borrow at a 6 or 7% mortgage interest rate, which, after tax deductions might be an effective 5% interest rate, many think that they can beat that in the market over time. One probably can. The riskiest thing that a lot of people do by making a big down payment is now they don't have much liquidity. If the cash is already in the home, then that borrower might worry about not having much cash for other disruptions or expenses that come up in life. The worst one could be, “What if you lose your job and your job was, say, 70 to 100% of your income?” Now that cash is trapped in the home as equity… and you can better believe that today, banks aren't going to let you access your equity if you don't have a job. The best way to keep equity separated from your home is to make sure it never goes in there. The other reality too, is that the more than you borrow, the more you make use of OPM. So the great question to ask yourself, Dave, is “How big of a real estate portfolio could I ever build if I limit myself to only using my own money… and NOT other people's money?” We're going to discuss this more later in the show today… but that should provide some sufficient context and food for thought to your question, Dave. Thanks for writing in. You, the listener, can always contact us with any questions at GetRichEducation.com/Contact ________________ Andrew from New York state had a question through our Contact Page. Andrew's been an avid listener for quite a while. I remember your name, Andrew. You're a veterinarian from New York state. I hope that we can meet sometime in the future. Andrew asks: “Is it a true statement to think that even in today's High "er" interest rate environment any mortgage rate under the rate of inflation roughly 8% is a bargain?? Today ..I am not getting great cash flow...$100/month or break even..on new builds...but still see the upside in RE investing due to its inflationary hedge.” Alright, thanks for that Andrew. With the first question, is any mortgage rate under the 8% inflation rate a bargain. Well, it could be. Many think that the real rate of inflation - the true diminished PP of the dollar is 15%. But let's just stick with 8%. Yes, if you get a mortgage at 6 or 7% today, you are effectively being paid to borrow. That is because with the money that you've borrowed from the bank, over time, you get to repay the bank with dollars that debase on the bank faster than THEIR interest can accrue on you. That's how it can stealthily build wealth. The risk associated with that is - besides being most attentive to your personal cash flows, Andrew - is that at some point over your loan term, there's a good chance that inflation will duck back below mortgage interest rates. We're in this inversion now where the opposite is true. So, enjoy it while it lasts. I'd think of your interest rate being lower than inflation as a short-to-medium term tailwind. Your second question was about how today, you're not getting great cash flow when you buy a new-build rental property. It might be positive $100 or just a break even. But you still like investing in RE for the inflation hedge. First, I think of RE as more of an inflation-profiting center than a mere inflation-hedging vehicle. I take you point though… and then… Yeah, a lower $100 positive cash flow or less on new-builds is lower than what we've all been used to in recent years. There's a chance that this will widen - certainly no guarantee. It like how I described a couple weeks ago that we think of the housing market in two waves. First the housing price increase wave hit hard, then there's a trough, then later the rent increase wave hits. The trough between waves is when cash flow is lowest. Though you can't absolutely count on it, rents are increasing torridly. Andrew, I can tell that you're a close listener just by the words and concepts that you're thinking over in your questions. I love that. Thanks for you longtime following. ________________ The third question comes from JW. This question came from our YouTube Channel so I don't know where you're from JW. But you ask: Keith, what are your views on PPPs on commercial loans? On my current 8-unit property I am pursuing, I am getting financing offers that all have PPPs. OK, thanks for the question JW. I think one reason that I chose your question is because I, myself, have owned an 8-unit apartment building that had a 5-year PPP attached to it. First of all, let me tell you what a PPP is. And it's funny. I have been at RE meeting in the past and some people that have never heard of them seem incredulous that a PPP even exists. A prepayment penalty is a fee that some lenders charge if you pay off all or part of your mortgage early. If you have a prepayment penalty, you would have agreed to this when you closed on your home. Now, in my experience, you don't often see these on loans for 1-4 unit properties. I commonly see PPPs on 5+ unit apartment buildings and other commercial loan types. The way that it often works is that your penalty is less severe as each of the five years transpires. It fades. For example, you'd have a higher penalty if you pay it off in 2 years than the lower penalty would be if you pay it off in 4 years. Then with a 5-year PPP, that means that your penalty disappears completely if you pay it off AFTER five years. PPP loans can obviously be a poor choice if you, say, want to add value to a distressed apartment building and do a cash-out refinance in, say two years. So, therefore, for long-term buy-and-hold strategies, 5-year PPPs often fit. I've had 5-year PPPs on numerous occasions on my own apartment buildings, and I have never paid any penalty because I have only accepted those penalty conditions when I plan to hold for more than 5 years. Now that you know about cases when you do and don't want these as part of your loan, maybe you're wondering why banks have PPPs at all. Lenders charge prepayment penalties to provide a borrower with a disincentive for paying off a loan ahead of time… because that causes lenders to lose out on interest income. Lenders have to commit considerable time to evaluate a borrower and underwrite the loan in the first place. That's how PPPs work. Thanks for the question, JW. Stay up-to-date with our newsletter. You can sign up free at: GetRichEducation.com/Letter We also make sure that you get the 5-part video course where I'm your instructor. It's one video on each of the 5 Ways Real Estate Pays. What would it look like if I wrote a short letter about weekly… written by me… sent directly to you… that supplemented this show about real estate and personal finance trends and opportunities. It can help bring you closer to your financial independence day. Get it & my free video course all in one place at GetRichEducation.com/Letter _________________ Yeah, concise, updated intell from Caeli, as always. All these markets are constantly changing: The market for housing prices The market for rents The market for mortgages Working within them can help get you closer to your Financial Independence Day - that day that your real estate income meets or exceeds all of your basic living expenses. Underwriting guidelines are staying tight, just like they have for more than 10 years now. Dodd-Frank and consumers proving that they have the ability to repay a loan has really helped with that. That's a big reason that the mortgage delinquency rate has fallen to ALL-TIME lows. In fact, that update on second mortgages on rental properties demonstrates that the market still has a pretty limited appetite for that product. You might want it but it still comes with low LTVs if you can get them at all. Some brighter new is that ARMs - Adjustable Rate Mortgages - are making more sense than they used to - when compared to your more typical long-term FRM. There are both risks and rewards to compare there. I like that the good people over there at Ridge help you with decisions like those. So many great & important shows coming up here on GRE - the return of Tax Advisor Tom Wheelwright, a 2-person housing market panel comprised of Kathy Fettke and I… and… oh geez, the return of Chris Voss - the hostage negotiator from Masterclass. Remember when I mock negotiated him for a fourplex building last year right here on the show & I lost… to perhaps the world's top negotiator? Well, here we go, Chris Voss is returning here to discuss how to negotiate in a housing market when the odds are against you. What do you think? Should I mock negotiate him again… I don't know. That's awfully entertaining for you but I don't know how many losses I can take publicly like that. Big thanks to Caeli Ridge today. It's where I go for my own income property loans. You can too, I'm happy to share that with you at RidgeLendingGroup.com Until next week, I'm your host, Keith Weinhold. Happy Financial Independence Day! Though you might quit your day job, don't quit your day dream!
In the last few weeks, the VC funding environment has changed dramatically. In this session, Christoph will share tactical advice on how to weatherproof your financial plan for the funding downturn. You can see Christoph's slides here: https://www.slideshare.net/saastr/mind-the-gap-balancing-growth-and-efficiency-in-tougher-times-with-point-nine Want to join the SaaStr community? We're the
Marc Spears tells Murph and Mac why he thinks the Heat would have been a tougher matchup for the Warriors than the Celtics. See omnystudio.com/listener for privacy information.
Former NFL offensive lineman and FOX Sports Radio Weekend host Ephraim Salaam is in for Rob, and he and Chris explain why NFL players believe Peyton Manning was tougher to play against than Tom Brady ever was, and discuss why winning isn't as important for guys like Bradley Beal as it is for others. Plus, Extra Points Podcast Network host Martin Weiss swings by to host Trollin' or Rollin', and the Odd Couple Callers deliver another award-winning edition of Trash Talk. See omnystudio.com/listener for privacy information.
Bart Scott said this past weekend that he would rather go up against Tom Brady as an opposing defensive player than Peyton Manning. Doug explains why Scott would say that, and reminds people of how dominant Manning was in his prime. Mike Trout's homerun prowess against the Mariners is the subject of the "That's Baseball" segment. Sports Business reporter for the Action Network Darren Rovell joins Doug to talk about the coverage of the US Open over the weekend, the potential dollars that will be spent for the Big Ten football rights, and other major headlines in the business of sports. Plus, Doug reacts to Colin Cowherd's take about Kyrie Irving and the Lakers. See omnystudio.com/listener for privacy information.
Stocks held modest gains ahead of Friday's close, but it's a fraught rally to close the worst week for the S&P 500 since March 2020. Weston Nakamura joins Ash Bennington at the top of today's show to talk about the Bank of Japan's decision to stick with its “yield curve control” efforts, even as the Federal Reserve and the European Central Bank accelerate their monetary tightening efforts. Fed Chair Jerome Powell underscored the priority today: “My colleagues and I are acutely focused on returning inflation to our 2% objective.” Ash welcomes Michael Gayed, CIO and portfolio manager at Toroso Investments, to assess the bigger picture after a tough week for equities and fixed income. We also hear from Mark Ritchie about debt, interest rates, and how bad things could get. Want to submit questions? Drop them right here on the Exchange: https://rvtv.io/3mUOI11. Watch the full Real Visionaries interview featuring Mark Ritchie II and Mark Ritchie here: https://rvtv.io/3OgNoks. Learn more about your ad choices. Visit megaphone.fm/adchoices
Albany has approved stricter gun control measures including tougher red flag laws. Andy Newman, New York Times reporter covering social services and poverty in the New York Metro Region, joins to discuss his reporting about how Suffolk County utilized these laws to remove guns from people in crisis, and Michael Gormley, Newsday Correspondent, shares updates from the conclusion of the state legislative session.