Podcasts about tuition

It's YOUR time to #EdUpStay ahead of the conversation in higher ed. Get early, ad-free access & exclusive leadership content by supporting Elvin & Joe for only $5.99 a month. YOU can also donate or gift a subscription at edupexperience.comIn this episode, YOUR guest is Robert Towner, Associate Vice President, EDGE - Northeastern UniversityYOUR host is ⁠⁠Dr. Joe Sallustio  How does Northeastern's Edge unit break away from traditional academic silos to create interdisciplinary programs? What makes performance based admissions a game changer for corporate partnerships in higher ed? How is Edge transforming tuition reimbursement from uncontrolled spending into strategic talent management? Topics include:B2B talent management partnerships vs traditional articulation agreements Stackable credentials & digital upskilling hubs Prior learning assessment for working professionals Listen in to #EdUpThank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp!Connect with YOUR EdUp Team - ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Elvin Freytes⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dr. Joe Sallustio⁠⁠⁠⁠● Join YOUR EdUp community at The EdUp ExperienceWe make education YOUR business!P.S. Support the podcast trusted by higher ed leaders. Get early, ad-free access & exclusive leadership content by supporting Elvin & Joe for only $5.99 a month. YOU can also donate or gift a subscription at edupexperience.com

Can today's teens still achieve financial freedom in a world of soaring inflation, student debt, and housing costs? In this episode, Dr. Meg Meeker sits down with Rachel Rodgers, entrepreneur and author of Future Millionaires, to uncover actionable strategies for helping young people become financially independent.From building marketable skills to encouraging entrepreneurship and resilience, Rachel shares powerful tools that empower teens to take control of their financial futures.In this episode, we discuss:Why the traditional American Dream is harder to reach—and what to do about itHow to help your child recognize their natural skills and turn them into incomeThe “Million Dollar Decisions” formula and why it mattersWhy teaching kids to embrace failure can lead to lasting successSmart, age-appropriate ways to introduce kids to investing and money management

A new academic year begins at the end of August. Minnesota college freshmen headed to one Iowa school will be able to pay in-state tuition. The Iowa Board of Regents recently approved a plan to offer that discount to new University of Northern Iowa undergraduates from six neighboring states.   The university is in Cedar Falls, which is about a two-hour drive from Rochester. Its tuition deal for students across the Iowa border is one of many strategies that institutions have used as enrollment has dipped around the country.      Vanessa Miller is a higher education reporter for the Iowa newspaper, The Gazette. She joined MPR News guest host Chris Farrell to talk about her reporting on the tuition deal.

Do your kids shut down when you try to talk? In this episode, Dr. Meg Meeker is joined by licensed therapist Beliza Perez, the creator of FAM Gabs, for a sponsored conversation on how to build emotional closeness through simple, intentional questions.You'll learn why some kids stop sharing, how to avoid parent-child communication traps, and what to do instead. Beliza shares therapy-based tools—including non-verbal techniques and calming rituals—that help parents raise emotionally safe and connected kids.In This Episode:Conversation hacks that unlock emotional connectionThe #1 reason kids stop opening up—and how to reverse itWhy "quality time" doesn't have to mean more timeHow to create low-pressure, trust-building momentsTools like finger mazes and prompt cards that actually workThis episode includes a sponsored segment in collaboration with FAM Gabs.

【欢迎订阅】每天早上5:30，准时更新。【阅读原文】标题:Can Young People Afford to Not Go to College?Piggy bank with graduation cap正文：Is college really worth it? It's a fair question, especially when directed at university presidents like me. Rising tuition, the crushing burden of student loans, and the inauspicious job offers some students receive upon graduation prompt the question, for good reasons, and fuel the arguments among those who think that forgoing college is the smarter financial decision. According to the National Center for Education Statistics, the average cost for attending a bachelor's degree program was $9,800 at a public institution and $40,700 for private nonprofit institutions during the 2022-2023 academic year.知识点 ：Tuition /tjuˈɪʃn/The amount of money that you pay to go to a school, college or university.学费• She's worried about how to pay her son's tuition.她为如何支付儿子的学费发愁。获取外刊的完整原文以及精讲笔记，请关注微信公众号「早安英文」，回复“外刊”即可。更多有意思的英语干货等着你！【节目介绍】《早安英文-每日外刊精读》，带你精读最新外刊，了解国际最热事件：分析语法结构，拆解长难句，最接地气的翻译，还有重点词汇讲解。所有选题均来自于《经济学人》《纽约时报》《华尔街日报》《华盛顿邮报》《大西洋月刊》《科学杂志》《国家地理》等国际一线外刊。【适合谁听】1、关注时事热点新闻，想要学习最新最潮流英文表达的英文学习者2、任何想通过地道英文提高听、说、读、写能力的英文学习者3、想快速掌握表达，有出国学习和旅游计划的英语爱好者4、参加各类英语考试的应试者（如大学英语四六级、托福雅思、考研等）【你将获得】1、超过1000篇外刊精读课程，拓展丰富语言表达和文化背景2、逐词、逐句精确讲解，系统掌握英语词汇、听力、阅读和语法3、每期内附学习笔记，包含全文注释、长难句解析、疑难语法点等，帮助扫除阅读障碍。

How do you know if you can afford a certain school? What will 4 years of undergrad actually cost you? Need advice on how the Net Price Calculator works? Is the Net Price Calculator and MyinTuition different than FAFSA? (Hint: yes it is!) Details are inside today's interview with College Admissions Counselor Mark Stucker! Check out part 1 of this interview about his formula for matching students to colleges in 5 key areas – academic match, social match, emotional match, career match, and financial match. Then in part 2, he dishes on 5 admission tips to make your college search, applications, and acceptances easier. He goes into even more detail on his own podcast Your College Bound Kid. Also, let me find some scholarships for you! Schedule a FREE Scholarship Strategy Session with me to discuss how I can find you between $10,000-30,000 in scholarship opportunities! Plan a time on my calendar here –> https://calendly.com/moneyandmentalpeace     Can't wait to dive in, LET'S GO!!!!! Mark's Podcast: Your College Bound Kid | Admission Tips, Admission Trends & Admission Interviews Net Price Calculator: https://bigfuture.collegeboard.org/pay-for-college/get-started  MyinTuition: https://myintuition.org/    Related Episodes: 322 - How to Reduce the Cost of Tuition for Your Daughter by 50% - 3 Steps to Get Started... 320 - How to Find Scholarships for Students with ADHD, Learning Disabilities, ADD, & Mental Health Conditions 282 - Find $10,000 in Scholarships in Under An Hour!   Come join our Facebook Group for more discussions, advice, and memes ☺️ Christian College Girl Community → tinyurl.com/karacommunity  Instagram → @moneyandmentalpeace Email → info@moneyandmentalpeace.com   **Get scholarships and pay for college without student loans!** Are you worried about how to pay for college? Stressed because it's so expensive? Are you having trouble finding scholarships, or all you find don't apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I'm Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $10k left over in the bank after graduation. (& btw, my parents weren't able to help me financially either!) During school, I was worried about paying for next semester. I couldn't find scholarships that worked specifically for me, and didn't know how to get started while juggling homework and keeping up with ALL.THE.THINGS. But dude, I learned there was a better way! With God's direction, I tested out of classes, and found the perfect scholarships, grants, internships, and weird budget hacks that helped me go from overwhelmed to debt-free with $10k in the bank–all with God on my side. ... and I'm here to walk you through this, too. If you are ready to find scholarships specific to you, learn to manage your money well, and have enough money to kill it at college, this pod is for you! So grab your cold brew and TI-89, and listen in on the most stress-free and debt-free class you've ever attended: this is Money and Mental Peace.   Topics related to this episode: 529, 529 plan, section 529 plan, 529 account, 529 plan accounts, 529 calculator, 529 tax benefits, 529 college fund, 529 qualified expenses, parent plus loan, cosign student loans, parent plus loan interest rate, parent plus loan federal, parent plus loan payments, college fit, college match, your college bound kid, mark stucker, admissions, admissions office, college admissions, college ranking, admissions visitor center, admissions essay format, universities ranking global, admissions testing, admissions welcome center, college decisions, college decision, pay for college, send your kid to college, college admissions counselor, net price calculator, College Board net price calculator, myintuition, my intuition, net price calculator university of michigan

When 12-year-old Harrison Haynes met a 19-year-old “mentor” in an online game, it felt like a friendship—until it turned into manipulation and abuse.In this powerful episode of Parenting Great Kids, Dr. Meg Meeker talks with Harrison about his firsthand experience with online grooming, how his mental health struggles played a role, and the steps his parents took to intervene and help him heal. Now, Harrison is turning his pain into purpose—advocating for digital safety and youth protection.In this episode, you'll learn:How online grooming begins and escalatesThe emotional vulnerabilities predators targetHow Harrison's parents recognized the signs and took actionWhat legal and emotional challenges followedDigital safety tips every parent needs today

The Rebbe permits extending the yeshiva break for camp if it includes learning, supports taking steps against those who can pay tuition but don't, and advises that any tuition increase be decided locally with the spiritual committee. https://www.torahrecordings.com/rebbe/igroskodesh/015/011/5615

Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment.  The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply.  Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states.  Resources: Follow Hannah on Instagram  Show Notes: GetRichEducation.com/563 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, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:28   Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income.    Keith Weinhold  3:29   Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now.    Keith Weinhold  10:21   Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down.    Keith Weinhold  11:23   Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace.    Keith Weinhold  16:30   And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing.    Keith Weinhold  20:29   How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional.    Keith Weinhold  22:02   I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners.   Keith Weinhold  23:51   coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it.    Keith Weinhold  24:31   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 prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy?    Keith Weinhold  25:03   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 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866   Caeli Ridge  26:13   this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream.   Keith Weinhold  26:31   Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat   Hannah Hammond  26:48   you too. It's been so great to get to know you on this ship, and it's been a lot of fun,    Keith Weinhold  26:51   and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that.   Hannah Hammond  27:19   Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt.    Keith Weinhold  27:44   That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that.   Hannah Hammond  28:03   Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up   Keith Weinhold  29:08   income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be.    Hannah Hammond  29:23   So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore.   Keith Weinhold  30:36   That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans   Hannah Hammond  31:11   Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset.    Keith Weinhold  32:26   So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here.   Hannah Hammond  32:37   exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets.   Keith Weinhold  32:56   Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you?   Hannah Hammond  33:04   I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil.    Keith Weinhold  33:04   This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that?    Hannah Hammond  33:42   At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market.    Keith Weinhold  34:27   Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you.   Keith Weinhold  34:40   Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream.   Speaker 3  35:33   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  35:56   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 pay walls 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'll 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 266, 866,   Keith Weinhold  37:12   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

We’re learning more about the deeper implications of Congress’s decision late last week to roll back billions of dollars of funding already approved for public broadcasting and foreign aid. We hear from a humanitarian aid worker from the State College region and learn what could come next for foreign aid work. Pennsylvania’s 10 state-owned universities are planning to raise tuition for the first time in eight years. The schools are taking this action as a precaution while state and federal funding is uncertain. Now that this year’s July 4th celebrations have wrapped up, the focus shifts to next year, and the nation's 250th birthday. We meet Cassandra Coleman, who runs America250PA. We continue taking "deep dives" throughout the month of July as Central PA tourism organizations prepare for America250. Today, we check in with Stacey Cornman with the Cumberland Valley Visitors Bureau. (ICYMI, check our Morning Agenda archives for conversations with tourism leaders in Lancaster County, Visit Hershey & Harrisburg, and Destination Gettysburg.) Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Hey friend—ever have a Monday (or let's be real… entire week) go totally off the rails?In this episode, Dr. Stacy Heimburger gets real about what to do when life explodes and you have zero time or energy to plan your meals. Whether you're stuck in airport delays, forgot to prep, or just can't even—this episode gives you the ultimate “Phone It In Plan” to help you stay on track without overthinking.We're talking:✅ Grab-and-go breakfasts with protein + fat (ahem, fat bombs in your coffee)✅ Pantry staples that save your lunch✅ Grocery shortcuts for dinner (hello, rotisserie chicken!)✅ Fast food orders that actually work for your goals ✅ How to “drive without distractions” and order groceries with a calm brain ✅ Real-life examples and mindset tips for handling chaotic weeksPlus, Dr. Stacy gives a fun update on her No Buy 25 progress and the “Tuition of Life” lessons she learned from broken shoes and surprise expenses.

On this episode of the Deal Farm®, Kevin and Ken talk with Brad Baldridge about his journey from real estate investor to one of the country's top college planning consultants. Brad shares how he helps business owners and parents plan ahead, save smart, and use creative tax strategies to pay for college without draining their cash flow. They dive into how hiring your kids, tuition reimbursement, and 529 plans really work — and why starting early makes all the difference. If you've got kids and college costs on your mind, you won't want to miss this practical and eye-opening conversation.

July has been all about parenting in the digital age, and today we take a hard look at the dark side of school devices, emojis, and disappearing apps—with Titania Jordan, Chief Parenting Officer at Bark Technologies and a nationally recognized expert in online safety.In this episode, Dr. Meg Meeker dives into the hidden vulnerabilities that come with your child's screen time—from unfiltered school-issued devices to the coded emoji language kids use to hide online behavior.This conversation goes beyond app limits—it's about understanding how tech is shaping your child's emotional, social, and mental world, and how to stay one step ahead as a parent.

Hey, ho, let's go! It's Friday, which means the City Cast Madison team is rounding up the news of the week. First of all, producer Jade Iseri-Ramos digs into a scathing report from the Wisconsin Elections Commission about the Madison City Clerk's office. Then, newsletter editor Rob Thomas crunches the numbers on the UW-Madison's budget and new tuition increase. Finally, host Bianca Martin celebrates an artist and an architect who in their own ways make Madison a beautiful place.  Mentioned on the show: Missing Madison ballots “unconscionable” and a “profound failure,” Wisconsin Elections Commission finds [Wisconsin Public Radio]Wisconsin has a new budget. Here's what UW-Madison will receive. [Daily Cardinal] “Mother and Child” statue unveiled on Madison's east side [WKOW] Darbo Sculpture Unveiling [City of Madison] Sculptor Austen Brantley's “Mother and Child” statue in-process photos  Look back on architect Kenton Peters' most famous projects [WSJ] Muse at Art Fair on the Square  Your Guide to July [City Cast Madison] Wanna talk to us about an episode? Leave us a voicemail at 608-318-3367 or email madison@citycast.fm. We're also on Instagram!  Want more Madison news delivered right to your inbox? Subscribe to the Madison Minutes morning newsletter. 

Here's your local news for Thursday, July 10, 2025:We find out why the Sierra Club of Wisconsin is collecting thousands of origami fish,Learn about Big Tobacco's connection to a new state statute restricting the sale of e-cigarettes,Debut our new feature "Global Currents, Local Ripples,"Hear criticism of the state budget from a leftist perspective,Meet an artist who carves love and loss into stone,And much more.

In this week’s Throwback Thursday segment, hear how one college student flipped used furniture from Facebook Marketplace—and paid off half their tuition bill without ever taking out a loan. Side Hustle School features a new episode EVERY DAY, featuring detailed case studies of people who earn extra money without quitting their job. This year, the show includes free guided lessons and listener Q&A several days each week. Show notes: SideHustleSchool.com Email: team@sidehustleschool.com Be on the show: SideHustleSchool.com/questions Connect on Instagram: @193countries Visit Chris's main site: ChrisGuillebeau.com Read A Year of Mental Health: yearofmentalhealth.com If you're enjoying the show, please pass it along! It's free and has been published every single day since January 1, 2017. We're also very grateful for your five-star ratings—it shows that people are listening and looking forward to new episodes.

Sexuopharmaceuticals. Yes, we had to sound it out too. But behind the tongue-twister is a study that confirms what many couples already know: vaginal dryness + erectile dysfunction = not exactly a recipe for romance. But is that pill really the answer? We unpack the not-so-sexy science that says that sexuopharmaceuticals like Viagra are putting some men out of sync with their female partners. And, C-sections are on the rise—and Amelia, Jessie and Mia have thoughts. Is it a medical trend, a feminist power move, or just the new default setting for birth? Plus, gossip alert: Jennifer Aniston’s rumoured new boyfriend has people talking, Bec Judd’s spilling the tea on her cosmetic tweaks, and Mia throws a surprise question at Jessie and Amelia that stops them in their tracks. And finally, are we witnessing the slow death of university? Parents are being told to stop pushing uni on their kids but what does that mean for jobs, knowledge, expertise? We discuss. Support independent women's media What To Listen To Next: Listen to our latest episode: WTF is Going On In America Right Now? Listen: Please Remove Me From Your Micro Drama Listen: BONUS: Our Honest Thoughts About 'And Just Like That' Season Three Listen: You're A Bitch And That's Why We Lack Community Listen: When Your Family Is the Problem Listen: A Child Care Worker, An Arrest & The Backlash Against Male Educators Listen: The Leaderboard Of Cool Listen: The Bezos Wedding Was A Very Rich Text Parenting Out Loud: Dr Becky's DFK Theory & The Great Trampoline Debate Connect your subscription to Apple Podcasts Watch Mamamia Out Loud: Mamamia Out Loud on YouTube What to read: Preparing for a C-section? These are the 5 things you'll want to plan for. DIARY OF A BIRTH: Eliza went in for a routine c-section. She felt everything. 'I gave birth via emergency c-section. A comment from my mother-in-law afterwards infuriated me.' 'I made over $800,000 last year. I still refuse to pay my daughter's university education.' ‘I’d been a cleaner, I’d driven trucks. At 43, I enrolled in university for the first time.' Viagra for women is a thing and nobody's talking about it. For a brief moment, the internet was convinced Barack Obama and Jennifer Aniston were having an affair. BEC JUDD: 'I posted about my neck. I woke up to my face plastered on a US magazine.' Are you fighting with someone you love? Maybe it’s your partner or your sibling or your best friend? Mamamia’s new therapy-based series is looking for a range of pairs who are interested in receiving qualified psychotherapy to help them repair their relationship before it’s too late. We are looking for real people, with real problems, who want real therapy. If this is you, apply here. THE END BITS: The information discussed in this podcast is general in nature and is provided for educational and informational purposes only. It does not constitute medical advice, diagnosis, or treatment, and should not be relied upon as such. Always seek the guidance of your doctor or qualified health professional with any questions you may have regarding your health or a medical condition. Never disregard professional advice or delay seeking it because of something you’ve heard in this podcast. Check out our merch at MamamiaOutLoud.com Mamamia studios are styled with furniture from Fenton and Fenton GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message. Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloud Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

A developer of data centers is planning a massive new project in Dane County. They say it will bring 1,000 construction jobs. Leaders at the Universities of Wisconsin want to raise tuition. And, seven people survive a dangerous boating mishap on the Mississippi River.

Is your response to your teen's emotions helping—or hurting—the situation? In this eye-opening episode, Dr. Meg Meeker sits down with Sheri Gazitt, teen life coach and founder of Teen Wise, to explore how parents unintentionally contribute to the emotional “drama” of adolescence—and what to do instead.Together, they unpack the real reasons teens act out, how parents can shift from reacting to responding, and why connection—not control—is the foundation of a healthy parent-teen relationship.In this episode, we cover:Are you reacting or responding? How to tell the differenceWhy emotional regulation starts with you, not your teenThe impact of post-COVID loneliness on teen behaviorFriendship drama and social conflict—why it's normal and how to guide without rescuingHow to talk about social media without making your teen defensiveRebuilding trust after big blow-ups or boundary-crossingSmall daily practices to ease tension and build emotional safetyAbout Sheri GazittSheri Gazitt is a certified teen life coach, parenting educator, and founder of Teen Wise, an organization dedicated to empowering teens and supporting parents through the challenges of adolescence. With a background in psychology and counseling, Sheri specializes in emotional resilience, social confidence, and helping families navigate the often turbulent teen years with compassion and clarity. She also hosts workshops and speaks nationally on teen mental health, friendship dynamics, and parent-teen communication.Resources & Links:Learn more about Sheri Gazitt and Teen Wise → https://www.teenwiseseattle.comCoaching and parenting tools with Dr. Meg Meeker → https://meekerparenting.comJoin Dr. Meg's community → https://linktr.ee/meekerparentingSponsored by:Hungryroot – 40% off + a free item in every box at hungryroot.com/drmeg (code DRMEG)Rula – Licensed therapy for as little as $15/session with insurance. Visit rula.com/drmeg to get startedK12-powered schools – Tuition-free, accredited online public education for K–12 at K12.com/DRMEGFam Gabs – Spark real conversations with your kids using this therapist-designed card deck. Search famgabs on Amazon and use code DRMEGPOD for 10% offThrive Causemetics – Clean, vegan beauty that gives back. Get 10% off your first order at ThriveCausemetics.com/DRMEGSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode 399 of Boss Hog of Liberty is out! It's an ensemble show this week. Jeremiah Morrell, Bones Harcourt, and Zach Burcham are your voices. A $30,000 fireworks show is happening at Memorial Park, Jeremiah caught himself a Facebook ban. Lots of state news this week; Governor Braun made some big changes on the IEDC board including some major donors to his campaign. He also froze tuition at all Indiana universities for the next two years. Four years at IU Bloomington is 48, Purdue 40k. The Indiana DNR is eliminating State Park maps, saving $110,000 a year. Response has been mixed. The NBA season is over, it's a disappointment for the Pacers fan. Our program is community supported on Patreon. Do your part by chipping into the cause by donating monthly at any level at www.patreon.com/bosshogofliberty and receive even more BONUS coverage and content. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Inside INdiana Business Radio for the afternoon of June 24, 2025. Officials in Batesville have broken ground on the $8.1 million Batesville Arts & Innovation Hub, an expansion of the Batesville Memorial Public Library. Plus, Gov. Braun says all of Indiana's public colleges and universities are freezing tuition for the next two years. And the University of Southern Indiana lands D1 status. Get the latest business news from throughout the state at InsideINdianaBusiness.com.

This episode of The Texan Explains looks at the recent overturning of the Texas Dream Act and the uncertainty it creates for undocumented students at UT. Reporter Miranda Liguez speaks to news staffers Maryam Ahmed and Catherine Li as they break down the legal developments and share students' experience navigating this moment.Cover art by Lorianne WillettMusic by Top Flow Productions

Ball State freezes tuition and fees for two years, but raises room and board costs. Diego Morales is defiant in the face of bipartisan questions over spending decisions in the Secretary of State's office. Indiana's infant mortality rate hits a “historic low” for the state since record-keeping began in 1900, with 6.3 deaths per 1,000 live births in 2024. Host Brandon Smith is joined by Republican Chris Mitchem, Democrat Ann DeLaney, Niki Kelly of the Indiana Capital Chronicle, and Oseye Boyd of Mirror Indy to debate and discuss this week's top stories.

Tuition is going up at the University of Minnesota this fall. The Board of Regents yesterday approved a 6-and-a-half percent increase — the largest in a decade and a half. In-state tuition for undergrads on the Twin Cities campus will be just over 16-thousand dollars in the next academic year. That does not include additional fees — which are also going up.Brooklyn Park police are investigating a break-in at the home of DFL leader Melissa Hortman, and her husband Mark. The incident comes days after the Hortmans were shot and killed in their home in what authorities are calling a politically motivated attack. Police say they discovered pried-off plywood that was covering the home's rear window. The window was also broken to gain entry by an unknown individual.A new law requires some Minnesotans to get a permit before operating a boat or personal watercraft.The Fond du Lac Band of Lake Superior Chippewa recently celebrated the completion of a new heating facility. The facility will use locally sourced hardwood chips to heat the tribe's community center.The Minneapolis City Council passed an honorary resolution Wednesday commemorating Juneteenth. The federal holiday celebrates the end of slavery in the United States.

Patrick Sedivy is the Founder and CEO of Cumorah Academy, a non-profit private school dedicated to empowering individuals to follow Jesus Christ and positively impact their lives, careers, and communities. His commitment to service and leadership is rooted in his faith and family background—his parents defected from communist Czechoslovakia in 1969 in search of religious freedom, and he later served as a missionary in the Czech Republic. Patrick and his wife, Allyse, share a passion for inspiring and guiding young adults, which led them to establish Cumorah Academy. Patrick also serves as CEO of HYPE, a program dedicated to empowering youth and creating unforgettable experiences. Links CumorahAcademy.org GoHYPE.org Share your thoughts in the Leading Saints community Transcript coming soon Get 14-day access to the Core Leader Library Highlights 00:03:39 - The Vision Behind Cumorah Academy 00:05:23 - Understanding the Structure of Cumorah Academy 00:06:30 - The Importance of Leadership Skills 00:08:00 - Who Can Attend Cumorah Academy? 00:09:49 - The International Reach of Cumorah Academy 00:10:34 - Tuition and Scholarships 00:12:26 - Language and Learning Environment 00:13:11 - Success Stories from Cumorah Academy 00:14:41 - Transformative Experiences of Students 00:16:25 - The Need for Continuous Learning 00:17:42 - Addressing the Transition Challenges for Young Adults 00:18:50 - Curriculum Overview and Key Principles 00:19:28 - Accountability and Personal Growth 00:20:34 - Conflict Resolution Skills 00:22:08 - Interactive Learning Methodology 00:23:40 - Balancing Workload and Downtime 00:25:57 - Creating Positive Connections Among Students 00:27:36 - The Role of Visiting Mentors 00:29:50 - Public Speaking and Presentation Skills 00:31:07 - Leadership Curriculum and Modules 00:32:54 - Holistic Approach to Student Well-being 00:34:37 - Measuring Emotional Resilience and Hopefulness 00:36:39 - The Importance of Human Connection 00:38:06 - Opportunities for Mentorship and Involvement 00:39:49 - Conclusion and Resources for Further Engagement 00:41:13 - Introducing Hype: Humanitarian Leadership Experience The award-winning Leading Saints Podcast is one of the top independent Latter-day Saints podcasts as part of nonprofit Leading Saints' mission to help Latter-day Saints be better prepared to lead. Learn more and listen to any of the past episodes for free at LeadingSaints.org. Past guests include Emily Belle Freeman, David Butler, Hank Smith, John Bytheway, Reyna and Elena Aburto, Liz Wiseman, Stephen M. R. Covey, Elder Alvin F. Meredith III, Julie Beck, Brad Wilcox, Jody Moore, Tony Overbay, John H. Groberg, Elaine Dalton, Tad R. Callister, Lynn G. Robbins, J. Devn Cornish, Bonnie Oscarson, Dennis B. Neuenschwander, Kirby Heyborne, Taysom Hill, Coaches Jennifer Rockwood and Brandon Doman, Anthony Sweat, John Hilton III, Barbara Morgan Gardner, Blair Hodges, Whitney Johnson, Ryan Gottfredson, Greg McKeown, Ganel-Lyn Condie, Michael Goodman, Wendy Ulrich, Richard Ostler, and many more in over 800 episodes. Discover podcasts, articles, virtual conferences, and live events related to callings such as the bishopric, Relief Society, elders quorum, Primary, youth leadership, stake leadership, ward mission, ward council, young adults, ministering, and teaching.

In this episode, the Collegiate discusses GRCC's incoming DEI changes and an upcoming tuition increase announced at the June Board of Trustees meeting and predicts which Tigers players will go all-star. The Collegiate Live is the official podcast of GRCC's student publication, The Collegiate. Each week, members of the Collegiate staff analyze headlines and break down what's important to know.

Scott Korzenowski talks about news of a 6.5% tuition increase at the University of Minnesota and says it's time instead to look at cutting costs, specifically the amount spent on administration.

Scott Korzenowski jumps into several topics over the final hour including his problem with the U of M increasing tuition costs again, the latest headlines from President Trump, ABC parting ways with Terry Moran and why he isn't happy with the setup of Oakmont for this week's US Open.

This week on The Tax Factor, Ola Adigun and Robert Salter ask where the money might come from to fund the major Government spending pledges we've been hearing about. With little room for manoeuvre, Robert suggests the Chancellor may revisit measures such as fuel duty, car benefits, and road tax and could there be a U-turn on previous manifesto commitments? Meanwhile, HMRC continues to battle poor public perception. Will the new outsourcing plans improve customer service, or just add to the frustration? And in a less-than-rhythmic move, HMRC wins a tribunal ruling to impose VAT on personal dance tuition - a decision that could have broader implications for education providers.See omnystudio.com/listener for privacy information.

Inside INdiana Business Radio for the morning of June 6, 2025. Concerns over residential wells prompt an investigation as AWS and GM construction expands in St. Joseph County. Ivy Tech has voted to freeze tuition for two years. Also: Grillo's Pickles breaks ground on a $54 million facility near Columbus, a new firm rises from Pure Development's collapse, and a virtual school administrator agrees to a $44.6 million fraud plea deal. Get the latest business news from throughout the state at InsideINdianaBusiness.com.

The news of Texas covered today includes:Our Lone Star story of the day: Trump Administration sues Texas and wins over Texas' unfair and “unconstitutional” in-state tuition for illegal aliens program. It all happened fast yesterday evening. I have opposed this program from the beginning and it has been terribly frustrating that the House has continually stopped the repeal of the program. Catch up on it all: Judge Blocks [Illegal] Migrants From Getting Texas In-State Tuition Texas court sides with DOJ, prohibits in-state tuition for undocumented immigrants Charlie Geren's in-state Tuition for Illegals OVERTURNED Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Special guest Eddie Dixon joins me in-studio to discuss recent and current projects including the mounted Quanah Parker piece now at the famed Briscoe Western Art Museum in San Antonio (click this link for a brief bio of Dixon and a photo of the installed piece.)Here are photos of the clay model from Eddie's studio before it was cast. Thanks to “great” photographer Jody Smyers for the light painted photo. Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

In the wake of 5% cuts in the new state budget, the University of Southern Indiana is considering raising its tuition. And Hallador Energy is putting plans for a Sullivan County data center on hold after a developer backed out of a deal.

Inside INdiana Business Radio for the morning of May 30, 2025. The city of Terre Haute unveils new branding and the IU board of trustees is proposing to keep tuition for in-state undergraduate students flat for the next two years. Get the latest business news from throughout the state at InsideINdianaBusiness.com.

0:00 Intro 0:06 Teacher 3:36 Concussion 9:12 P word 12:48 Tuition money 15:11 Child support 16:26 Comment Learn more about your ad choices. Visit megaphone.fm/adchoices

What if your biggest failures were the stepping stones to your greatest impact? In this raw and revealing episode, Jerome Myers sits down with Kasim Aslam,  serial entrepreneur and founder of the world's top-ranked Google Ads agency,  to unpack his journey from troubled teen to 8-figure exit. With unmatched candor, Kasim shares the highs, the hard truths, and why his life's mission today is centered on global employment, not just profit. If you've ever felt stuck, burned out, or unsure of what's next, listen closely. [00:00 – 12:10] Two Exits, One Framework Building the #1 Google Ads agency Productizing services for scale The behind-the-scenes of an 8-figure exit [12:11 – 22:45] Integrity Over Everything Why most agencies fail their clients Saying no to the wrong deals How honesty fuels demand and client trust [22:46 – 34:00] The Rocky Road to Reinvention Growing up in poverty and crime Losing everything in the '08 crash Finding purpose through failure [34:01 – 45:00] Safe, But Not Satisfied What it felt like when the wire hit The paradox of post-exit emptiness Learning to delegate and let go [45:01 – End] Meaningful Work as Legacy Why hiring is the new impact model Creating global opportunity through EAs The case for failing forward Key Quotes: “You want to change lives? Hire someone.” — Kasim Aslam “Failure is the tuition that we pay.  Chase good failure, quality failure, healthy failure.” — Kasim Aslam  Connect with Kasim! LinkedIn: https://www.linkedin.com/in/kasimaslam YouTube: https://www.youtube.com/@kasimaslam Ready for your next chapter? Start Your Assessment Now

Canadian journalist Nora Loreto reads the latest headlines for Wednesday, May 21, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Sign up for our newsletterLike us on FacebookFollow us on TwitterDonate to support this podcast

The school did not give her the refund. https://www.lehtosalaw.com

This week On A Water Break, we're spinning into pageant season, breaking down the cost of drum corps, and celebrating some throwback Aussie hat glory. Hosts Nicole, Woody, and Jeremy from Drum Corps Today are joined by color guard director and pageant competitor AK Hazel for an episode packed with marching arts news, real talk, and lots of love for performers pushing boundaries.

May 12, 2025 – As college costs soar and the job market transforms, Jim Puplava interviews Rob Franek, editor-in-chief of The Princeton Review, on how families can navigate the challenges of higher education. They discuss the current state of...

College. Careers. Credentials. Teens today are facing big decisions—and most don't even know where to start. In this episode, Kevin P.Chavous talks with Allison Danielsen, CEO of Tallo, about why the old ways of guiding students—career quizzes, outdated job charts, one-size-fits-all advice—no longer cut it. Allison's team is building a digital career co-pilot designed to help Gen Z explore real career paths, learn relevant skills, and connect directly with schools, scholarships, and employers. They discuss why most career journeys aren't linear (including Allison's own winding path through retail, education, and consulting), how exposure—not pressure—is the key to better decisions, and why parents are still the most influential voice in the room. This might be what you want to know. What You'll Learn 03:00 – Why Most Career Advice Doesn't Work Anymore 05:40 – The Myth of the One-Perfect-Path 07:20 – What Gen Z Needs That Counselors Aren't Giving 09:00 – How the Tallo Platform Works (and Why It's Free) 11:15 – Why Waitressing, Bowling, and Retail Still Count 13:00 – Making Career Discovery a Lifelong Process 15:45 – What Employers, Parents, and Teens All Miss 18:10 – Turning Panic into Possibility Go Deeper with Allison Danielsen

This is The Digital Story Podcast #998, May 6, 2025. Today's theme is, "New Photos Masterclass - And How to Get a Coupon to Waive the Tuition." I'm Derrick Story. Opening Monologue With iPhone photography becoming a bigger part of our overall imaging world, the Photos app also grows in importance because of its tight integration with the iPhone. Many photographers dismiss this free software because they view it as too basic. But in reality, sophisticated technology powers its user-friendly interface. Here's how to tap it. I hope you enjoy the show.

Register for the next live Wealth Warehouse Webinar happening May 15th at 5pm Central time: https://us06web.zoom.us/meeting/register/_vPd96WSSrOS7LhEXiQyAQBecoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Visit our website: https://www.thewealthwarehousepodcast.com/Nobody likes losing money – but in this economy, it hurts a little extra.In this week's episode, Dave and Paul explore some of the areas that we are losing money – and what you can do to turn those losses in gains for your personal banking system.Interested how? Tune in to find out!Episode Highlights:0:00 - Introduction0:54 - Episode beginning2:53 - There's so much more we can do5:39 - Diving into the numbers11:14 - Do you want your money to be re-useable?18:29 - Where can I come up with 5% for my premium?25:47 - Tuition and college savings29:33 - Big expenditures33:09 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

House Republicans are unveiling the details of a spending bill to implement President Donald Trump's agenda. The US and Ukraine are unsatisfied with Russia's three-day ceasefire plan. We'll tell you why two schools in Milwaukee were temporarily shut down today. We have updates on the unexplained power outage in parts of Europe. Plus, an ambitious experiment in education is ending. Learn more about your ad choices. Visit podcastchoices.com/adchoices

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. ➤ Free LIVE training to maximize your pointshttps://geobreezetravel.com/webinar ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Intro00:11 Earning Points on Savings Accounts01:56 Maximizing Points on Car Purchases04:35 Points for Tuition and Student Loans07:20 Business Expenses: Taxes and Payroll13:48 Conclusion: Recap and Next StepsYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/ ➤ Instagram: https://www.instagram.com/geobreezetravel/ ➤ Credit card links: https://www.geobreezetravel.com/cards ➤ Patreon: https://www.patreon.com/geobreezetravel  Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.