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The days of linear career paths are over. People are switching jobs more often, making their career journeys more complex than ever. In fact, the US Bureau of Labor Statistics found that people only stay in their jobs for an average of four years. That much change and complexity can be intimidating for students and professionals to navigate. How, as an educator, do you get your students ready to enter their own careers, when it may feel like a quest without a map? Enter: Jessica Lindl.  Jessica Lindl is the author of The Career Game Loop: Learn to Earn in the New Economy and VP of Ecosystem Growth at Unity Technologies. She has over 20 years of experience running various education and impact business ventures and P&Ls. Over her career, she has focused on empowering millio ns of learners building careers and businesses with technology. In her work at Unity Technologies, Common Sense Media, GlassLab and LRNG (now part of Southern New Hampshire University), Scientific Learning, and Houghton Mifflin Harcourt, she has worked to improve learning outcomes and earning potential for all learners worldwide by blending effectiveness with ground-breaking engagement.  In this episode, we chat with Jessica about her new book, The Career Game Loop. We discuss helping students upskill and achieve their career goals using gaming principles. Covering everything from quests, levels, and community, Jessica shares how you can prepare your learners for the careers of their dreams.  Want to learn more about Jessica's book? Get all the details here.  Check out resources from Jessica's team at Unity here.  Connect with fellow educators in our CERTIFIED Educator Community here.    Don't miss your chance to register for our annual CERTIFIED Educator's Conference here.     

Helix Exploration PLC CEO Bo Sears talked with Proactive's Stephen Gunnion about the company's development progress at its Rudyard project in Montana. Sears said the company is “progressing nicely” with the Linda #1 well and is on track to begin producing helium by the end of summer. He pointed to strong early results from both Darwin #1 and the acquisition of the Weil #1 well, expressing optimism about long-term production capacity. He described Rudyard as “quite large relative to our peers,” adding that it may support up to 20 wells—substantially more than originally anticipated. This scale opens the potential for on-site helium liquefaction, with HeLIX already acquiring 20 acres in preparation. Sears referenced a 1977 US Bureau of Mines study that estimated the field's potential at 2.60 billion cubic feet of helium. With new drilling data, including from Linda #1 and re-perforated Weil #1, the company expects to significantly update resource estimates. The company anticipates up to 4 billion cubic feet of recoverable helium, which Sears noted could make Helix one of the largest helium producers in the US. Sears also confirmed ongoing discussions with off-takers and potential interest in geological hydrogen from deeper zones. Visit Proactive's YouTube channel for more interviews. Don't forget to like this video, subscribe to the channel, and enable notifications for future updates. #HeLIXExploration #HeliumProduction #NaturalGas #RudyardField #BoSears #MontanaEnergy #EnergyExploration #HydrogenExploration #ProactiveInvestors #USHeliumMarket

9:00 to 10:00Nick Bennette, Chair of the Vermont Trails and Greenways Council and E.D. of the Vermont Mountain Bike Association, and Abby Long, E.D. of Kingdom Trails, economic value of recreation trails and the need to recognize the landowners who provide recreation on their property. Vermont's outdoor recreation economy continues to grow, bringing $2.1 billion annually, which amounts to 4.8% of State GDP, according to 2023 US Bureau of Economic Analysis. 10:00 to 11:00Former Burlington Police Chief Jon MuradReflections of being Burlington Chief, repeat offenders, recruitment in an age of defunding and what's ahead. 

Trump's tariff pause gives market relief, but China trade war intensifies, Asia shares jump after U.S. stocks soared to historic gains when Trump paused most of his tariffs, Tahawwur Rana not in custody of US Bureau of Prisons, says agency, Gujarat goes top of the Indian Premier League with a big win over Rajasthan, Woman can testify Weinstein used force to rape her despite his acquittal, judge rules

When people think of public goods, they most likely think of things like parks or schools. But official statistics are also a kind of public good. They help us understand things like housing prices, the costs of goods and the spread of disease. However, this data infrastructure is under threat around the world. The work of official statisticians and the obstacles they face, is the focus of this episode of Stats and Stories with guest Erika Groshen. Groshen is a senior economics advisor at the Cornell University School of Industrial and Labor Relations and research fellow at the Upjohn Institute for Employment Research. From 2013 to 2017 she served as the 14th commissioner of the US Bureau of Labor Statistics, the principal federal agency responsible for measuring labor market activity, working conditions and inflation. She's an expert on official statistics, authoring an article in 2021 pondering their future.

US Rep Eric Burlison (R-MO) explains his bill to abolish the US Bureau of Alcohol, Tobacco, and Firearms (AFT). It's one of the many major reforms being proposed by Republicans in Congress. Rep Burlison also explains why he believes there is a unique opportunity for major, government-reducing reform right now while, at the same time, understanding the long-running establishment grip on the status quo. For more information: https://burlison.house.gov/

Today witnesses the extreme hype of US employment data. Today's data also has annual benchmark revisions, which will confuse the headlines. Weirdly, the US Bureau of Labor Statistics has cancelled all briefings explaining data. This is not necessarily helpful as data becomes more complex, inaccurate, and misunderstood. It has also fueled disquiet that the new US administration might politicize the way data is calculated (survey responses are already partisan).

In this episod, we are going on scene with the Human Exploitation and Trafficking (HEAT) of the Stanislaus County Sheriff's Office and Without Permission to discuss labor and human trafficking.   CRIMESTOPPERS Website Download the app Provide an anonymous tip by calling 1-866-60-CRIME or 1-866-60-27463   Resources referenced for statistics  Trafficking Victims Protection Act (TVPA) of 2000  October 2024  report from the US Bureau of Justice   To learn more about how to stay safe on Social Media visit Smart Social  

This episode features a conversation with George Staikos, the Founder and Educator of The Educated Grape, as well as a guest appearance from the 2024 Sommlympics "Star du Spectacle" award recipient, Marvella Castaneda. George serves as the Head of Education for the US Bureau for the Comité Champagne (CIVC), and they recently sponsored one of the Grand Prizes for the 2024 Sommlympics competition in Atlanta, GA, so we talk about what the trip to Champagne will entail for Sommlympian. George is a 35-year veteran of the wine and hospitality industry known for sharing his passion for wine appreciation. His company specializes in interactive education programs, events, and trips as well as sales consulting for 9 small, family-owned luxury wineries. Prior to his current roles, George held national sales positions for Napa and Sonoma wineries including Jordan Vineyard & Winery, Quintessa, and Ramey Wine Cellars. His national hospitality experience also encompasses food and beverage positions, such as sommelier and food and beverage director, from California, Miami, Washington DC, and New York, operating three AAA Five Diamond rated hotels. He serves as the national officer of the Chaine des Rotisseurs, a worldwide food and wine organization, serving as Grand Echanson (Wine Director) where he organizes the annual regional and national Jeunes Sommelier Competition for qualifying sommeliers under 30 years of age. Staikos is a graduate of Florida International University in Miami with a bachelor's degree in hospitality management. He is married with three children and three granddaughters and resides in Erwinna, PA, an hour outside of Philadelphia. You can follow @educatedgrape on social media and visit www.theeducatedgrape.com to learn more about George's company, and you can visit www.champagne.fr/en to learn more about the CIVC. Recorded January 8, 2025

Proactive's Tylah Tully breaks down ‘Just the Facts' of the latest news from Anson Resources Ltd (ASX:ASN, OTCQB:ANSNF). The company has secured approval to drill 24 exploration holes, totalling approximately 1,000 metres, at its Yellow Cat Uranium and Vanadium Project in Utah, USA. Permits were granted by the US Bureau of Land Management (BLM) and the Utah Division of Oil, Gas and Mining (UDOGM). The drilling will target a 2-kilometre mineralised trend between the Windy Point Mine and the Mineral Treasure Mine, where samples have shown up to 10.33% uranium (U₃O₈) and 25.6% vanadium (V₂O₅). Fifteen holes will be drilled on the eastern side near Windy Point Mine, with the remainder on the western side near Mineral Treasure Mine. The program aims to develop a JORC-compliant resource using new and historical data. Shallow drilling depths of 12 to 40 metres will minimise costs and environmental impact. Located in the Colorado Plateau region, Yellow Cat has garnered interest due to rising uranium prices and US support for domestic production. While the company's primary focus is on lithium projects, it continues to advance Yellow Cat and plans to commence drilling in the coming months, contingent on local conditions and equipment availability. #ProactiveInvestors #AnsonResources #ASX #OTCQB #UraniumMining #Vanadium #YellowCatProject #MineralExploration #USMining #SustainableEnergy #EnergyTransition #NuclearEnergy #UraniumPrices #JORCResource #MiningApproval #UtahMining #BLMApproval #WhiteMesaMill #NuclearPower #RenewableEnergy #CriticalMinerals #LowCostDrilling #Mineralisation

Rancho Mesa's Alyssa Burley sits down with Megan Lockhart, Marketing and Media Communications Specialist, to discuss the recent data on fatal workplace injuries released by the US Bureau of Labor Statistics. Show Notes: ⁠⁠Register for the Heat Illness Prevention Webinar⁠; ⁠⁠⁠⁠⁠⁠Subscribe to Rancho Mesa's Newsletter⁠⁠⁠⁠⁠⁠ Host: ⁠⁠⁠⁠⁠⁠Alyssa Burley⁠⁠⁠⁠⁠⁠ Guest: ⁠⁠⁠⁠⁠⁠Megan Lockhart⁠⁠ Editor: Jadyn Brandt Music: "Home" by JHS Pedals, “News Room News” by Spence © Copyright 2024. Rancho Mesa Insurance Services, Inc. All rights reserved.

On this episode of Ford News, Johnathan, and Brian start the show by talking about MAGA infighting about foreign workers in the United States using the H1B Visa program to work in the States.  The Tech Bros, like Elon, love this rule, but MAGA will MAGA and be appalled that foreigners may be better at a job than Americans. The Saga continues....In segment two, the guys talk about Donald Trump having delusional thoughts about buying Greenland (again), making Canada the 51st state, and possibly conducting a light invasion of Mexico. And....Donald Trump is pushing for the United States to regain control of the Panama Canal. The Ford Fact Check is all about illegal immigration. Johnathan has all of the facts and data! LINKS Trump, Panama, Greenland, Canada https://www.theguardian.com/us-news/2024/dec/29/trump-greenland-panama-china-threatshttps://abcnews.go.com/Politics/sen-cardin-trumps-tough-talk-panama-canal-push/story?id=117170338Panama's founding and historyhttps://1997-2001.state.gov/regions/wha/panama/991206_faqs.htmlMusk and Ramaswamy H-B1 Visa https://www.cbsnews.com/news/musk-vivek-ramaswamy-h1b-visa-maga-immigration-what-to-know/Trump backs H-1B visas, aligning with Musk on immigrationhttps://www.washingtonpost.com/technology/2024/12/28/trump-h1b-musk-immigration-debate/https://www.bbc.com/news/articles/clyv7gxp02yoFord Fact check. US Bureau of Labor statistics 7.7 million open jobs. https://www.bls.gov/news.release/jolts.nr0.htmCurrent US birth rate https://www.cdc.gov/nchs/pressroom/nchs_press_releases/2024/20240525.htmhttps://www.macrotrends.net/global-metrics/countries/usa/united-states/birth-rate#:~:text=The%20birth%20rate%20for%20U.S.,a%200.09%25%20increase%20from%202020.https://www.pewresearch.org/short-reads/2024/07/22/what-we-know-about-unauthorized-immigrants-living-in-the-us/

Jasmin and Reese discuss the abrupt resignation of NYPD Chief Jeffrey Maddrey amid sexual abuse allegations, a $116 million settlement for victims of sexual abuse at a now closed women's prison in California, and some basic information about the caretaker government in Syria after the ouster of Bashar al-Assad.

We could see a huge increase in oil demand in 2025! With oil trading under $70 a barrel, gas prices have continued to fall. But unless the world starts producing more oil in 2025, we could see a big reversal in the price of oil. I base that on an estimate from the International Energy Agency as they expect a huge increase in the demand of oil. They are estimating oil consumption of 1.1 million barrels per day, which would be a 31% increase from the 840,000 barrels in 2024. I know from recent reports that there is concern that if we pump more oil, the price could drop dramatically causing difficulties and lower profits for oil companies. However, if the International Energy Agency is correct on their 31% increase in oil demand, that could actually cause shortages at certain times throughout the year. Also, it is somewhat amazing with how long electric vehicles have been out that they still don't seem to be having at this time much of an impact. I do know that car manufacturers are having some difficulty selling their inventory of electric vehicles. I believe part of this is because of the abundance of oil on the market and low gas prices. Is it possible that we got too aggressive trying to build and force consumers into electric vehicles? What happens if in 2025 the federal tax incentives for electric vehicles go away?   Understanding compounding is why you should be cautious about the overvalued market! Investing is great when everything is going up and the emotions tell you to stay the course because that will continue to happen. For two years now the S&P 500 has posted really strong gains because of a heavy concentration in the Mag Seven. There are now investors who say the market could be up another 20% in 2025. In our portfolio we will continue to remain cautious next year as we understand that compounding can work for you, but also against you. What do we mean by that? Let's say that for three years the S&P 500 is up 20% per year, your $100,000 investment would grow to $172,800 because of compounding. You probably would feel pretty good about that and think it will to continue to increase. While it is possible it's like riding a roller coaster. What I mean by that is if you've ridden a roller coaster you know as it gets to the very top, it slows down and it feels like it's almost going to stop, then you go over that peak and you hit that big decline. That happened in 1935 and 1936 as big gains were followed by a 39% decline in 1937. I did not want to use 2002 when the S&P 500 had lost almost 50% of its value. I thought I would use something else from history that was not the worst-case scenario. Back to the three-years of 20% gains and a portfolio value of $172,800. If we saw a 39% loss again like 1937, your account value will drop all the way down to $108,864. You might be questioning how can that be? It's because as your account grew in value the percent decline is now on a bigger amount than the initial $100,000 you started with. So in other words after four years of investing, you're $100,000 investment was only up 8.9%. This is why for long-term investors I can continue to stay the course on a more conservative investment style and not try to figure out what the top is for many of these expensive companies. The other problem as well is once people lost 37% of the money on their investment, they would probably leave the stock market for years missing future gains. I can tell you many people think they know where the top is and they'll get out in time, but unfortunately many people stay at the party too long. I can tell you managing money through the tech boom and bust many people thought the party would continue in the early 2000's and they did not foresee the major declines that we saw during the tech bust.   AI stocks performed well in 2024, there are problems in 2025 that could cause a reversal It is estimated that for every dollar invested on the AI infrastructure, revenue of four dollars needs to be produced. The AI leader so far has been Microsoft with their Copilot product that has a cost of $360 per user each year. At first glance that doesn't sound too bad until you realize you still have to pay for the other software at a cost of anywhere from a low of $72 to over $650 per year. At $1000 is the AI expense worth the reward? Currently, there are places where you can get AI for free, will people be willing to pay for AI when they're used to getting it at no expense? In a combined survey on using AI, 32% of respondents had used it in the previous week. This is a fast adoption rate compared to the Internet or the introduction of the PC. However, when asked what services they were using, most were using free services like open AI's ChatGPT or Google's Gemini. If people won't pay directly for AI, then the companies will have to somehow monetize it through some means of advertising. Another big question is will AI really produce results in productivity? In the last couple of years, the US Bureau of Labor Statistics reported labor productivity has risen at an annual rate of 2.3%, which is 3/10 of a percent higher than the historical average. To make AI valuable we would have to see labor productivity increase to at least 2.5 to 2.6%. One question on many people's mind is will AI replace a lot jobs? The answer to that question is it will replace jobs, but the hope is new jobs and opportunities will be created that we have not even thought of yet. They will likely require creativity, judgment and decision-making. I still think AI will be used and it is not going anywhere, but I worry the hype has carried many stocks to excessive valuations. 2025 may be a prove it year for AI and if we don't see progress towards monetization those AI stocks could struggle!   Beware of Double and Triple Taxation At the end of the year, it is helpful to check where your income stands so any last-minute adjustments can be made.  These might be Roth conversions, IRA withdrawals, capital gain harvesting, capital loss harvesting, charitable donations, or retirement contributions to name a few. Before making any adjustments though, you need to fully understand the tax consequence of the transaction.  Income activity like IRA withdrawals or pensions are fairly straightforward as they are considered ordinary income on the federal and state level.  Income from Social Security or long-term capital gains and qualified dividends can be a little more complicated.  Of the Social Security you receive, some is taxable and some is tax free.  At most, 85% of Social Security benefits is reportable as income but it can be as low as 0%.  The more other income you have, the more your Social Security will be taxed.  Long-term capital gains and qualified dividends are subject to a different set of tax brackets and the tax is calculated after ordinary income sources are considered.  Depending on your level of income, capital gains and dividends fall into either a 0%, 15%, or 20% bracket.  What this means is by making one adjustment that increases your income, you could trigger more of your Social Security to be taxed and push capital gains into a higher tax bracket, resulting in a triple taxation event.  For example, Roth conversions are popular at the end of the year, especially when taxable income is in the 12% tax bracket, but this doesn't mean everyone should do it.  You might be making a conversion that is taxed at 12%, but that also results in thousands of additional dollars from Social Security that were tax free to become taxable, and the income from the conversion and Social Security push capital gains that were in the 0% bracket into the 15% bracket. When added up that conversion at 12% ended up being taxed at over 37% because of the chain reaction of taxes, not including any state income taxes.  In this situation it probably makes sense to find ways to reduce income instead.  Year-end tax adjustments can be very helpful, but you want to make the right adjustments based on your situation.   Companies Discussed: Macy's, Inc (M), Xerox Holdings Corporation (XRX), PepsiCo, Inc (PEP) & Mastercard Incorporated (MA)

In this episode, host Tim Sweet and business stylist and image consultant Melanie Potro delve into the unique challenges women face in maintaining their careers during their 40s, 50s, and 60s. Noting that 66% of women cite family obligations as a reason for leaving the workforce and 40% believe menopause negatively impacts their careers, Melanie highlights the often-overlooked physical and emotional toll on women in these age groups. Tim and Melanie discuss the need for workplaces to foster open conversations and implement supportive policies, which can help reduce feelings of isolation and stress for affected women. The goal is to create a more compassionate workplace culture that enables women to thrive professionally through all life stages.Melanie also shares how her tailored styling services help women navigate these challenges by making them feel confident and professional. By offering personalized wardrobe solutions, she alleviates the stress of finding suitable clothing that fits and feels great, empowering women to focus on their careers with a renewed sense of self-assurance. Listeners are encouraged to explore their own feelings and relationships towards their style, their clothes, and circumstances to pre-emptively avoid career interruptions. Through Tim's coaching and Melanie's style of guidance, women can gain the support and expertise they need to stay on top of their careers at any age. About Melanie Potro Melanie Potro is a Business Stylist who helps leaders develop a signature style that aligns with their personal brand and goals. With over 30 years of experience, she has worked with influential individuals in the UK and abroad, helping them improve their appearance and confidence as leaders.ResourcesHarvey Nichols - Stylist ClubGaneshaSweet on Wardrobe - Free Guide--Contact Tim Sweet | Team Work Excellence: WebsiteLinkedIn: Tim SweetInstagramLinkedin: Team Work ExcellenceContact Melanie Potro | MP Business Styling: Website: mpbusinessstyling.comInstagram: mpbusinessstylingLinkedin: Melanie PotroFacebook: MPBusinessStylingPinterest: melaniepotro--Transcript:Melanie 00:00It's a great chance to redefine who you are and how you want to feel about yourself, what kind of vibe you want to give to others. And I think a lot of women come out as well a lot more confident once they're through this. And there's also another thing that a lot of people don't talk about is that once the brain fog lifts. However, like some people are more affected than others, the brain builds a lot of new connections, and this is so interesting because you really see a lot of things clearer. You're probably a better strategic thinker, so you're also a great addition to any workforce, and you are more capable than ever before. Tim 00:42I'd like to ask you some questions. Do you consider yourself the kind of person that gets things done? Are you able to take a vision and transform that into action? Are you able to align others towards that vision and get them moving to create something truly remarkable? If any of these describe you, then you, my friend are a leader, and this show is all about and all for you. I'm Tim Sweet, and I'd like to welcome you to Episode 44 of the Sweet on Leadership podcast. Welcome back to Sweet on Leadership. Thank you very much for joining me today. I am very pleased to welcome a good friend for a return visit. This is Melanie Potro. Melanie, thanks again for being here. It's awesome. You are a style guru. You've got lots of clients that are in both the business and the political space, as well as other professions. We've been chatting. You've helped me in the past, which has just been so much fun and so enlightening. But what I want people to know most about you is that you're all about empowering women. So when we were talking earlier this month, we ran across a couple of issues that I thought were so important that we bring to the table. I want people to know all about you, because I'm excited to know you, and I just think that you know sky's the limit right now. So what have I missed? What would you like people to know about you before we get rolling here? Melanie 02:09As you said beforehand, I'm a personal stylist, but I really call myself a business stylist and image consultant, and I work to 95% with women, and I'm really passionate about getting more women into the boardroom, so.  Tim 02:28Well, you and me both, so I think that's a great place to start. And one of the subjects that we've been talking about the last couple of weeks was what doesn't just get them in the boardroom, but what can keep them in the boardroom? What doesn't just get them to the apex of their career, but what can keep them there? Because, as we talked about it, we both have this observation where at a certain age range there's this kind of disturbing trend that people have a career disruption. And so, you know, today we're going to come on, we're going to talk a little bit about that disruption. And some of the common things that can cause it, and what we can really do about it. And so thanks again for for being here. Melanie 03:09Yeah, I'm excited to talk about this as well. Tim 03:14Awesome. What are some of the things that brought this to your mind when we had that conversation a couple weeks back? What's been going on in your life that has brought this front and center? Melanie 03:22I have a lot of women who are in executive positions, and as you said, as well, at a certain time in your life, there are several factors that can hit you, such as illness, maybe the death of a loved one, parent, probably as well. A lot of us have experienced that by now, or some illness of their parents, and then also your own physical changes. And this is something we're going to talk about today, right?  Tim 03:51It's not a small portion of the population that experiences this. It's literally every, Melanie 03:57Every woman, every woman. Tim 04:01Yeah, well, that's, that's okay. Fair enough. Fair challenge. 100%. Well, one of the the stats that I ran across out of a US Bureau of Labor and Statistics was that 66% of women who left the workforce, especially during these periods, cited that it was actually family reasons, family responsibilities and pressures that took them out of the workforce. And at the same time, New York Post reported that 40% of women believe that menopause will be or is a disadvantage at work, and they feel that it harms them in terms of their health, obviously, but also in terms of mental acuity, mobility, and a bunch of other reasons. So all of these things combine, at times, into this perfect storm, and can result in people leaving, resulting in attrition. So would those stats seem relevant to you? Seem accurate?Melanie 05:00Yeah, definitely. I think a lot of women see a very negative impact of menopause because they don't really get the space to maybe retreat when they're not feeling well or find a medical advice and help. This is happening. More and more people are talking about this. There's a lot more help out there now, especially here in the UK as well, the NHS has responded recently, offering HRT to all women who hit menopause, but also the fact that it affects women who are actually also younger than 45 sometimes, you know, a lot of women are not aware. And also like just really talking about it and making your environment aware of the effects that it has, so that people can be considerate in those situations where you feel uncomfortable because of some of the physical changes that affect you, such as getting hot or cold, or some people experience anxiety suddenly or brain fog. But I think there are also some positive things you can talk about, and we can talk about that later as well. Tim 06:08Sure, we're going to dive deep on on all of these before we do, though I shouldn't forget to ask you, from a an emotional perspective, why is it important that we tackle this today for you, what really has you in the ring here with me? Melanie 06:25Okay, so I think women around 45 to 55 they really should be at the top of their career, and they're going up the ladder, working hard to enter their executive positions, or the next step on their career ladder, or the boardroom, and then suddenly something like menopause or the death of your parent hits you and you feel all alone, and it rattles your confidence, and it really throws you and distorts your career path, or you might even, as you said, want to leave your career and I think I want to help women to stay on their path and not be distracted, and, you know, support them as best as I can.  Tim 07:17That is a real, as we said, it's a perfect storm that can hit people. And it really is a shame when we see it happen, and you've seen it happen quite a bit on your clients. Melanie 07:28Yes, definitely you have also illnesses coming up, something like cancer affecting women. And I had some very smart clients who have been really affected. And I just think like these are women, like they're so so capable and so good at what they're doing, and I want them to succeed, and I don't want their physical appearance or what they go through with menopause to affect them, and I know I'm in a position that I can help them in many ways. I'm a body expert. I've worked with clothes. I know how to make people feel comfortable in their own clothes, not only from their parents, but also from the wearer's perspective. And so I think that's where I come in, and I can do my bit to help them. Push them up.  Tim 08:23That's important. Thanks very much for sharing. I mean, that's great. Okay, so if you were to say, when we think about this time that many women face, all women face, and that it can deplete their capacity to deal with other life events that can be equally as challenging, but then it's like insult added to injury. In a sense, we've talked about leaving the workforce or something like that, but either before that risk or after that risk. What are the risks that this can mean if we if we let this go unaddressed, if we fail to deal with it proactively. Melanie 09:03A lot of people can go into a depression or become extremely anxious. And yeah, I think the depression comes as well, like if you retreat, you know, like you avoid contact, you're not talking about it, you don't feel like yourself in your own skin anymore. And this is not a good place to be. So this can really hold you back.  Tim 09:24And that would be one more thing that would contribute to this, you know, this amplified or problem, you know, we're just layering on things. And it's, it's like, it's like it feeds itself, in a sense, the, you know, despair feeds despair. And so this is a real risk.  Melanie 09:40Like a downward spiral, really.  Tim 09:43Yeah, absolutely. And I mean, we see this like I remember a 2021 study, again, said that women are far more likely than men to experience burnout in that age range, the incident is almost 30% higher than men. There is real contributing factors that people have to deal with. And as you say, what can we do to shore each other up? So what do you hope for them? We're going to talk a little bit about the how, but you want them to avoid that depression. What else? What else would you like to help? Melanie 10:18Well, I can help them simplify their lives. If someone is an expert and at the top of their career, they have a lot of things to deal with, and this is one part of the overload that I can take away. They can outsource to an expert who can deal with it, so they don't have to worry about what to wear, to find clothes that fit, to see how an outfit goes together and what makes them feel comfortable and what gives the right impression as well to others. Tim 10:50Yeah, tell me more about that when we think about this time of life, and I'll give you a little bit about what my experience has been with it. You know, I've got say over 70% of my clients are women, and been there when we're going through menopause and when we're going through other crises that they're going through. And there's that saying, you know, never waste a good crisis, because I've also seen that by restructuring and reframing and using this incredibly plastic state, this disruption as a chance to say, you know, the game has changed, or the rules have changed, but it's a chance to reset the board. It's a chance to say, you know, oh, who do I want to be as I go through the next half of my life. Who do I want to be as I, as I, as I, sort of progress forward. And so it's this, like, it's this transformational opportunity that, on one hand is is unavoidable, but the next hand, it's like, it's wonderful because you you can't avoid the shake up. Melanie 11:57It's a great chance, exactly, it's a great chance to redefine who you are and how you want to feel about yourself, what kind of vibe you want to give to others. And I think a lot of women come out as well a lot more confident once they're through this. And there's also another thing that a lot of people don't talk about is that once the brain fog lifts, however, like some people are more affected than others, the brain builds a lot of new connections. And this is so interesting because you really see a lot of things clearer. You're probably a better strategic thinker, so you're also a great addition to any workforce, and you are more capable than ever before.  Tim 12:46We see that now because we're seeing such great examples of very inspiring women in highly influential, powerful positions. So tell me about the role of of personal style, when, when we're facing this chance to reinvent ourselves. You know, we can work on what our career is doing. It can work on our approach to relationships. We can work on our psychological well being. Where does Style and Image and everything factor? Melanie 13:17So I think the trigger is often that a lot of women, I think at least 30 to 50% of women, struggle to find clothes that fit them when they go shopping. And this doesn't get better when you hit menopause, because we all know with time, our bodies change. But then there comes some more changes when we are around a certain age. Some people have that earlier than later, but our bodies change, and we have these images that we need to be perfect and look like 20 year old women, which doesn't really happen. Nobody does look like the women in in the in the movies or in advertising. Anyway, we're also individual. But then obviously, a lot of women like put on weight around the waist and so on. They have physical changes, and this needs to be addressed, because clothes don't fit anymore, and you have to address this as a matter of fact, normally. Tim 14:19After you and I talked last week, I had a long conversation with my wife, and I asked her, I said, I've always assumed that she liked shopping. She's a great shopper to go out, and it is a form of entertainment, I said, but do you enjoy shopping for yourself? And she's like I did, and now I don't. And she said, it's actually really tough because you see these styles that you want to wear, but they're all designed around a certain age and a certain and fairly Junior and at a certain size, which is fairly slight. And clothes in general are not constructed for women once they do go through a size change.  Melanie 15:01Exactly. This is a big problem. Tim 15:04Yeah, it's not front of the rack. And so she says, you spend a lot of time in the store feeling terrible because you you think something's cute on the rack. You bring it down, you try it on, and you end up feeling terrible about yourself.  Melanie 15:18Yeah, and you feel inadequate. You think you blame yourself for this, not the clothing. So that is also something that is experienced very often, isn't it? Like you think, like, oh, there's something wrong with my body. No, the clothes are cut in the wrong way.  Tim 15:33And when we think about trying to accomplish anything, whether it's in your job or it's in your home life, I mean, if you're already feeling at risk, and then you so let's say we want to go do something. We want to address your style or your wardrobe or something, and it's a terrible experience. If you're already facing an energy depletion because you're going through a hormonal change, or you're dealing with some emotional things or some illness, and then you got to go and feel crappy about yourself on top of all of that? Well, it's like, it's just, you know, more drains on the battery. And so from Jen's point, she was just like, oh, well, the other thing she said is that it doesn't just happen in the store, because then she makes choices and she comes home and she may never wear something. Do you ever see something like that happen? Melanie 16:19Yes, I mean, we've all been there. We go to a store, and then the sales assistant tells us, Oh, you look wonderful, and you look great, and this looks amazing. And you buy it because you feel good about yourself. You think, like, I have this really nice piece, and I look amazing. And then you put it on when you're at home, you think, like, oh, right, this doesn't really look as good as I thought. It doesn't really work with the other pieces that I have in my wardrobe. These are all considerations. This is something I'm never going to wear again, and it's just not right. So you want to, like, avoid these situations. And it's really easy to get there, because sometimes sales assistants are so nice, and you feel almost obliged to maybe at some point give in after you tried on the third piece and we don't feel right. Tim 17:07Well, I feel not just feel, not just feel emotionally, Jen, Jen had also said to me that, you know, often you want to wear something because it's cute, and so you make it work in the store. And she says, no end of mutual experience among her and her friends of where they they don't feel good by the end of the day because a piece of clothing is too tight, or it's too constricting in one part of it's just uncomfortable. She puts up with it, but then actually feels quite terrible at the end of the day, like, physically, my stomach hurts, or my, you know, whatever it's, it's, it wasn't a great choice. Putting yourself in a physical in physical discomfort, to try to fill some sort of emotional need or or gap. What would you suggest then? What's, what's some of the things that you teach people to build confidence and build a wardrobe that works? Melanie 18:16There are obviously different levels. But when it comes to the clothes themselves, I have a tailoring background, and I still have also a team of people who can make clothes. So there are different avenues we go through. And I'm also a member of the Harvey Nichols - Stylist Styling Club, which is like a big department store. So normally we go and we make this a much more fun experience. So we pull the clothes before the client comes there, we have a big room and space to try and close and really see if they're fit, if they work well, if they feel comfortable. And I'm able then also to say and judge whether we can alter pieces to make them fit better, not only in making them tighter or shorten them, but really like adjusting them to their proportions, and that is something that you wouldn't normally be able to get that service to understand, really, how this can fit. And then also we can make clothes for our clients that fit their frame, their body shape 100% and I think that's something unique. And people underestimate how good it feels to have something that feels really like a second skin, because you don't really find something on the high street that fits you ever 100% because we're not a standard figure ever.  Tim 19:36Sounds good. So now I have this picture of you. Make sure I've got this right. So you you actually, you and your team would pre choose clothing for people, knowing what their sizes are, cutting down on the amount of choices so that they don't have to spend their time being disappointed and then delivering the, I guess, the hope or the potential. That, yeah, you know what? We're gonna buy it in this size so that we can tailor it down to your specific thing, so it fits perfect, and it's comfortable and it's functional and it's and it's all of these things. So that becomes a much more positive experience and much less onerous. And kind of sounds like, I kind of want to do it now. It kind of sounds like a day at the spa or something like it almost sounds you have a bridal couture line that you ran for years, and it sounds like what, as a man I would think of trying on wedding dresses, kind of thing, but repeated at the same sort of, is it same? Is the vibe the same? Melanie 20:40Yeah, the vibe is the same. So we do really half a day or most of the day out. So we start with some boutiques, then go to the department store, try on some things, and have a nice lunch. And make this a really fun, enjoyable experience, something that my clients can get excited about. And especially, for example, some people have maybe petite everything is always too long. And that is not just the trouser length, but maybe the sleeve lengths or the shoulders are always too long. And if you then get the opportunity to get something that's tailored to you, because my dressmaker comes, and all just the clothes that they really fit. They're almost like something that's made to measure, made to their frame. This is such a fun and empowering experience to have something that really fits you and feels like you, and something to be excited about. To wear clothes that really are aligned with you, that convey who you are, convey authority and confidence as well. But, yeah, it's something to be excited about and enjoy.  Tim 21:49If I'm going to be a proxy for for somebody listening, I might say, you know, suddenly this sounds really expensive. Mel, like, this sounds like, like, I gotta pay somebody to do this, I'm adding overhead onto my clothing purchases. Is that? How people should think about it? Melanie 22:07It's a really good investment, because if you're at that executive level, you want to avoid buying clothes that are not right, as you said, even about your wife, you end up buying something that you're not going to wear. So you avoid all these clothing choices that are not going to serve you in any way, that drag you down, that are wrong, that you can't return, and instead, you really narrow it down to the clothes that you will wear that fit you and make you feel good. And this is also emotional baggage that you reduce, and also the overload choosing in the morning, oh what am I going to wear, how I'm going to look, and also giving a good impression, you know, it's going to help you to step up the career ladder, knowing that you look good and you feel good in your clothes.  Tim 22:57Yeah. So we're talking about everything from personal power to the amount of sleep you can get, because, you know, it's not going to take forever to to choose an outfit to I mean, and this is something that I've, I've seen time and time again, not just in my house, but in general, when we're doing collections for charity or anything like that, clothing that still has the tag on it that people bought and and bring it home and never wear it. You know, the Maria condo thing, where it's, it's, you know, clothing that just does not make you feel good. And there's got to be a so if we add up all of those direct and indirect costs, they add up pretty quick. Not only is the direct wasted purchases. But then we've got all the wasted time of getting ready in the morning. We've got all the wasted energy of feeling crappier than we should do. We cut down our career potential and pathways because we're we're not showing up being as confident or as mindful as we could be in the moment, we're not, perhaps as influential or as effective as we might want to be, because part of it is first impressions with others and all of those things. And then there's the wider issue that we're talking about right now, which is that energy can not only go towards our career, but to supplement the energy draws that illness might take or looking after parents or kids or or going through a hormonal change, or whatever divorce or whatever else we're dealing with, we haven't started the day on the back foot or moving ahead. I love that. I think that's great. Tell me a little bit about the first thing that you think a person should do. Now, they've hopefully, they've listened. They're now inspired to step it up a notch, even the men listening, which I sure hope there are. What's the first thing they can do, or what's the first few steps? Melanie 24:52Being really honest with yourself and admitting or like seeing that this needs to be addressed, or this is a, maybe a problem that's holding you back, whether that is something that you think you're looking dated and you're not in line with the times, or if comfortable, and yeah, it could be holding you really back. So I think being really honest with yourself and seeing that this needs to be addressed, and also maybe thinking about how you want to be perceived as a person and how you want to feel about yourself. And I think sometimes, especially women who are already in executive positions or on a higher position, they become a bit defensive when it goes, comes to clothing, they see it as a weakness that they can't deal with their own wardrobe, because they are high achievers. They're so on top of the game. Exactly. They should just like be able to address this as well and deal with it. But this is something that can easily outsource to an expert, and you can't be good at everything. So this is something that sometimes people have to address that are high achievers. And they think like, yeah, really, I should be able to deal with it. Because sometimes women are made to think it's all so easy. You know, look, I just put on this outfit, I just put on this blazer, I look good in it, and then people end up copying an influencer or someone like that, and are surprised when it doesn't work. Tim 26:29Yeah, it doesn't fit, or it doesn't doesn't fit physically, or doesn't fit emotionally, or doesn't fit personality wise, or the image. Yeah, I think also it's very interesting, because I've seen the work that you've done. And you know, although you focus on women in the workplace and you focus on executives and politicians, you also advise how their sports attire looks, how their casual attire looks. I love that post that you put out a few weeks ago on with jeans and a blazer and all these kind of things. And my wife and she was, like, awesome. And my, I mean, the other, the other reason that I've, I've leaned into this a little bit, as you know, is that my daughter is very now interested in moving into the fashion industry and whatnot. But even picking out holiday wear and swimsuits, that can all be something that you lean into. Because as I you know, as I help teams and leaders lean into their strengths and be fluent in their weaknesses, we also know that not everybody can sing a tune and not everybody can cook with balance and do well, yeah, I mean, but everybody has strengths and everybody has weaknesses and and for some people, they're they just don't have an eye necessarily for fashion. They may not actually understand how they come across. And so having an extra set of eyes can be really helpful, and it can I imagine even like packing for a vacation, and knowing that you're happy with everything that's in your limited wardrobe is just such an empowering thing. And I mean, and I don't think it's just for women, as you say, you got 5% of your clientele are men, and I've been through this experience with you, albeit in a remote way, but it was enlightening, like I never had any idea about.. Melanie 28:18Finding your  patterns. Tim 28:20Contrast and patterns, yeah I mean, it just, it's honestly guided so much of what I've now chosen to invest in, right? So, Melanie 28:29Like a filter, I think, as well, like, because once you understand the colors and the contrast and the patterns that work for you, then you can just go into a shop and say, I can cut out all the noise. Tim 28:45Exactly for sure. Okay,awesome on that point, though. Let me just ask you one, one thing here before we because I think you've done a great job, both of us. We want to be there for women in these positions as they're going through. I don't want to have anybody who's high potential struggle to the point where they leave behind something they really want to do because of other circumstances. Yes, change happens, and yes, it might need to happen, but they shouldn't change under duress or, you know, because because of something that's preventable, especially if it's causing their own brain to lie at them in their own voice, then that's something that I don't want to I don't want to be party to. Want to stand up against.  Melanie 29:25Yes, and you work with a lot of women, don't you? So you work with a lot of executive leaders. Tim 29:30Yeah. But for the other for the men listening here, what would be your hope for the men? Melanie 29:35So with regards to women hitting menopause, I really like them to be a lot more open about the effects that it can have, how it can really affect their mothers, their wives, their sisters, their work colleagues, and give them some space to talk about it without judgment. Maybe read up about. It, and also look into their company culture, if they can improve access to things that would make life easier for women. So I think it's just being open about it and ready to talk about it, and not sidelining women who are affected by it so and to take it seriously, as you said, it's a, it's a chemical thing that is happening to us and and sometimes I've seen women who have been really at the pinnacle of the career, very confident, and they've just suddenly been hit by anxiety, things like that out of nowhere. And these are things that can happen, and so they need to be addressed, but also that there has an understanding from the other side that this can happen. It doesn't have to happen. And I think there's a lot more help now out there. And, you know, women go through it and come out stronger, but so that there's a little bit of an academic understanding as well what's really happening there a scientific one. Tim 31:03You know, as men, we have a real responsibility to not stigmatize things and to normalize the conversation and and to not enter these things with misconceptions about what it means or it doesn't mean, but it is a perspective and an experience we will never have, and so not in the same way. I mean, there are some changes for sure that men go through, so then we have to educate ourselves, and we have to lead with empathy. Okay, we didn't get to a couple of things early on in the conversation. So first of all, I want to thank you for taking us through that journey, and we're going to just begin to wrap up here. So I've got a couple of of things. One thing that we do as a tradition here is that our previous guest had lobbed a question. This was from Seeham Cyrene. Seeham Cyrene wanted me to ask the next guest… Sehaam 31:59Who or what anchors you when you're having a tough time, and if they feel comfortable sharing how that will be wonderful. It could be a person, it could be a writer. It could be an actor, depending on what your profession is, right? It might be someone in your industry. Might be a family member, someone living, or they might be a historical someone who's just influenced you so much that you kind of go back to again and again. Melanie 32:28Okay, so I think I really have family and friends who I would talk to when I hit a really tough time, especially the best friends to have a good chat about things. And Tim 32:42Would it be a best friend that you talk to?  Melanie 32:46Yeah, definitely. Best friend I talk to and lean into. It depends on what experience is it. So who I'm gonna speak then to all my sister as well, who's just been visiting me, and I also lean into myself. And whilst I'm not religious person, I as a half Indian person I have some spirituality. I used to do Indian dance as well, and for me, Ganesha is the remover of obstacles. And so I do a little prayer dance, prayer with Ganesha in mind.  Melanie 33:29Wow, I'm learning all sorts of things. What a great question from Seeham. I love that. Thank you so much, man. We should really ask this question more from people. Okay, now there's a flip side. What is a question you would want to lob at our next guest.  Melanie 33:44What was the trigger for that person that made him or her go onto that path?  Tim 33:55Okay, so what was the trigger that made them choose their career path? Melanie 33:58Yeah, their career path, yeah. Tim 34:00Okay, yeah, got it. I will ask, okay, that's excellent. How can people get in touch with you? Melanie 34:08So they can connect with me on LinkedIn. But I'm also really excited because I have a very special free executive style guide that they can download here. Sweet on Wardrobe.  Tim 34:21What, you mean you designed it for our listeners. Melanie 34:23Yes.Tim 34:24Okay, right on excellent. Melanie 34:25And you will have the link in the shownotes. Tim 34:30I sure can, yeah, I will. I will post the link in the shownotes. Melanie 34:33Also, they can also book a free call just to find out maybe if my service is for them, either virtually or in person. And they can do this also through the link or through my LinkedIn profile. I also have a website which is MPbusinessstyling.com and they can get in touch with me there. Tim 34:53We'll put all of those links in the show notes. So.Melanie 34:55Excellent. Thank you. Tim 34:57Hey, no, that's great. Hey, that's really something that you put that together for us. I appreciate it. Melanie 35:03Well, I'm very pleased to be here.  Tim 35:05No, I'm just, excellent. Well, I'm excited for all of those things that are happening. I'm sure there's lots we can look forward to, and I know that you've got good things on the go for next year. Melanie 35:17Yes, very exciting. Some training courses as well for companies. And, yeah, there's a lot coming up. Tim 35:26I'll put your Instagram in because even I love watching what's coming through, and I know that my my wife and and other women that are really important in my life are are following you as well. So we'll, we'll put those touch points in because you're producing some really, really informative stuff that's immediately helpful.  Melanie 35:46Amazing. Thank you. Tim 35:47Wow. Mel, thank you so much for spending this time with me. It was a really interesting idea that you had for for us approaching this issue, and I'm so glad that we connected on it. And I just, I'm really interested in hearing what people's reactions are going to be. Melanie 36:05Yeah, I'm interested as well. And thank you so much for inviting me to talk about this, also as a man and husband and son of a mum who's gone through this, probably at some point, and also having so many clients who are going through these similar changes. Tim 36:24It's as normal as normal can be. And we need to treat it that way. Melanie 36:30Exactly.Tim 36:31So hey, Big hugs from the side of the pond. Can't wait till we can get over to London and see you in person sometime soon. Melanie 36:35Yeah, definitely, that would be awesome. Okay. Tim 36:38Thank you so much for listening to Sweet on Leadership. If you found today's podcast valuable, consider visiting our website and signing up for the companion newsletter. You can find the link in the show notes. If, like us, you think it's important to bring new ideas and skills into the practice of leadership, please give us a positive rating and review on Apple podcasts, this helps us spread the word to other committed leaders, and you can spread the word too by sharing this with your friends, teams and colleagues. Thanks again for listening, and be sure to tune in in two weeks time for another episode of Sweet on Leadership. In the meantime, I'm your host. Tim Sweet encouraging you to keep on leading.

Two years ago, energy companies scrambled for offshore wind contracts. At a recent auction, the demand was significantly lower. Plus, artist Sarah Rosalena uses Indigenous weaving, ceramics, and sculpture practices to create art that challenges tech's future, in a segment from earlier this year.Maine Offshore Wind Auction Draws Few BidsOffshore wind is coming to the Gulf of Maine. Earlier this week, the US Bureau of Ocean Energy Management held an auction for eight leases to develop wind projects off the coast of Maine. But companies bid on only half of the available leases.Guest host Rachel Feltman talks with Casey Crownhart, senior climate reporter for MIT Technology Review about that and other top science news of the week including; bird flu found in pigs, AI's electronic waste problem, what's in your black plastic spatula, and giant rats fighting the illegal wildlife trade.An Artist Combines Indigenous Textiles With Modern TechWhen multidisciplinary artist Sarah Rosalena looks at a loom, she thinks about computer programming. “It's an extension of your body, being an algorithm,” she says.Rosalena, a Wixárika descendant and assistant professor of art at the University of California Santa Barbara, combines traditional Indigenous craft—weaving, beadmaking, pottery—with new technologies like AI, data visualization, and 3D-printing. And she also works with scientists to make these otherworldly creations come to life. She involved researchers at the NASA Jet Propulsion Lab to make 3D-printed pottery with simulated Martian clay. And she collaborated with the Mount Wilson Observatory to produce intricately beaded tapestries based on early-1900s glass plates captured by the observatory's telescope, which women mathematicians used to make astronomical calculations.And that's also a big focus for Rosalena: spotlighting the overlooked contributions women made to computer science and connecting it to how textiles are traditionally thought of as a woman-based craft. When she first started making this kind of art, Rosalena learned that the Jacquard loom—a textile advancement in the 1800s that operated on a binary punch card system which allowed for mass production of intricate designs—inspired computer science pioneer Ada Lovelace when she was developing the first computer program. “[They] have this looped history,” she says. “And when I weave or do beadwork, it's also recalling that relationship.”Read the rest at sciencefriday.com.Transcript for these segments will be available after the show airs on sciencefriday.com. Subscribe to this podcast. Plus, to stay updated on all things science, sign up for Science Friday's newsletters.

  This just in! Social Security announced the Cost of Living Adjustment for 2025. Get the official numbers and learn more about how the COLA increase impacts your clients.   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Advantage and Medicare Part D Premiums: https://link.chtbl.com/ASGF20241004 CMS Announces Medicare $2 Drug List Model RFI: https://link.chtbl.com/ASGF20241011 Optimize Client Acquisition by Becoming a Registered Social Security Analyst ft. Tom Drapala: https://link.chtbl.com/2024TomDrapala Preparing Clients for the New Medicare Prescription Payment Plan Program: https://link.chtbl.com/ASG621 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005   References: “Consumer Price Index - September 2024.” BLS.Gov, US Bureau of Labor & Statistics, 10 Oct. 2024, www.bls.gov/news.release/pdf/cpi.pdf. “Create Your Personal My Social Security Account Today.” SSA, Social Security Administration, www.ssa.gov/myaccount/. Accessed 11 Oct. 2024. Bogle, Darlynda. “How the Hold Harmless Provision Protects Your Benefits.” Blog.SSA.Gov, Social Security Administration, 19 Aug. 2024, blog.ssa.gov/how-the-hold-harmless-provision-protects-your-benefits/. “Social Security Cost of Living Adjustment.” SSA.Gov, Social Security Administration, 10 Oct. 2024, www.ssa.gov/cola/.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

What does it take to be the first person named as 'Public Enemy No.1' by the US Bureau of Investigation?In this episode, we're going to find out. Don is joined by Elliott Gorn to find out about the rise and fall of John Dillinger, the man who took this title in 1934.Elliott Gorn is the Joseph Gagliano Professor of American Urban History at Loyola University, Chicago. His books include 'Let the People See: The Story of Emmett Till' and 'Dillinger's Wild Ride: The Year That Made America's Public Enemy Number 1'.Produced by Sophie Gee. Edited by Nick Thomson. Senior Producer was Charlotte Long.Enjoy unlimited access to award-winning original documentaries that are released weekly and AD-FREE podcasts. Get a subscription for $1 per month for 3 months with code AMERICANHISTORY sign up at https://historyhit.com/subscription/ You can take part in our listener survey here.

The microwave first emerged in the 1950s and has since become a common fixture in kitchens worldwide. 2018 data from Statista showed that 93% of UK household now own a microwave, with that figure also being over 90% in the United States according to the US Bureau of Labor Statistics.  Love it or hate it; you can't deny that it's hard to beat the microwave for convenience when it comes to quickly reheating food. It operates using the principle of electromagnetic wave radiation, by agitating the water molecules in our food to generate heat.  What kinds of foods are you talking about? What about meat and fish? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: What does eating junk food do to our brains? How can you use Tinder safely? Can naps keep the brain healthy? A podcast written and realised by Joseph Chance. First broadcast: 27/01/2024 Learn more about your ad choices. Visit megaphone.fm/adchoices

Find out how we can help ourselves out and push the field forward with this change in title.Blog Article: https://strengthcoachnetwork.com/blog/Strength-CoachCam and Fergus CMW: https://www.youtube.com/watch?v=CLF4DHv7EeQ&t=2126sRon McKeefery CMW: https://www.youtube.com/watch?v=c4ZzCPiaiL8NSCA proposal to US Bureau of Labor: https://www.regulations.gov/comment/BLS-2024-0001-36680___From our sponsors: TeamBuildr

Darcy V is harvesting tomatoes so that means, Darcy B. is leading this discussion, and what a discussion it is!   Darcy welcomes Geoffrey Vanden Heuvel, the Director of Regulatory and Economic Affairs for the Milk Producers Council, a California dairy farmer trade association. Geoff is currently the Vice-Chairman of the Water Blueprint for the San Joaquin Valley Board.   Geoff joins Darcy B in the studio where they discuss the urgent Fall X 2 Action. The Fall X2 Action (Technically it addresses salinity intrusion in the Bay Delta), as currently mandated, results in significant water supply reductions that provide water for the San Joaquin Valley's agricultural industry, rural communities, including disadvantaged communities, Southern California cities, families, industry, and economies, as well as critical habitat in both federal and private wildlife refuges. This regulation has flexibility, if the APPOINTED decision-makers agree, the 350,000 AF of stored water (enough for 1,050,000 Southern California Families) we can keep this water in storage. We can save for the next dry period.  Saving for Sunny Days! Recent scientific studies done by the National Fish and Wildlife Agency and others indicate this effort will not, and does not, help the Delta Smelt, as originally intended.  In other words, sound science is NOT driving this decision.  You can help.  Click on the links below and email these appointed decision-makers.  Let them know, that saving California water for our communities, our food supply, and all of California is our top priority: ·      California Natural Resources Agency Secretary, Wade Crowfoot, Wade.Crowfoot@resources.ca.gov·      California Department of Fish and Wildlife Director, Charlton (Chuck) Bonham, chuck.bonham@wildlife.ca.gov·      California Department of Water Resources Director, Karla Nemeth, Karla.Nemeth@water.ca.gov·      US Bureau of Reclamation Director, Karl Stock, KStock@usbr.gov·      Governor Gavin Newsom, (have to use contact form) https://www.gov.ca.gov/contact/ Listen in!Send us a Text Message.We Grow California Podcast is paid for by the Exchange Contractors Federal PAC and Exchange Contractors State PAC and is not authorized by any candidate or candidate committee.

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Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureThe [CB]/[WEF] have been gas lighting the people for years. They want the people to sacrifice everything and they will keep everything. The unemployment number are so manipulated that they are no longer making sense.The Sahm rule was just triggered, we are in a recession. Mt Gox releases Bitcoin, Bitcoin drops. Fed in holding pattern until Sep. [BO] has begun the push to remove Biden, he will pressure him to step down on his own. The fake news has been instructed by [BO] to show Biden in the worst light. Think about what is happening, the fake news is now attacking Biden, Biden will start calling it fake news. More people will be pushed away. Most likely when Biden doesn't step down, he will be removed. [KH] will step in and pretend she is running, will pick a VP, [HRC]. [KH] will be replaced with [MO]. This will all fail. DHS simulates war games. [BO] is being flushed out.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy https://twitter.com/EndWokeness/status/1809209497543406029  The revised number gets a footnote. That's why this keeps happening. https://twitter.com/KobeissiLetter/status/1809209723180249327   part-time employment rose by +286,000 workers in May. All while the unemployment rate is now up from 3.4% to 4.1% in just over a year. The reality is that a RECORD number of people are working multiple jobs to "fight" inflation. How is this a "strong" economy? June Jobless Rate Triggers Sahm Rule: Recession In this morning's US Bureau of Labor Statistics data release, the U-3 unemployment rate increased 4.1 percent in June 2024, rising by one-tenth of a percentage point above the forecast rate.  This uptick triggers the Sahm Rule, a real-time recession indicator, suggesting that the US economy is in, or is nearing, a recession. The Sahm Rule, developed by former Fed economist Claudia Sahm, is designed to identify the start of a recession using changes in the total unemployment rate. According to the rule, a recession is underway if the three-month moving average of the national unemployment rate rises by 0.50 percentage points or more, relative to its low during the previous 12 months. With the June 2024 U-3 rate of 4.1 percent, the average of the last three months being 4.0 and the lowest 12-month rate of 3.5 percent in July 2023, this criterion has been met. Sahm Rule indications (1960 – 2024)   While more data will be required to confirm the Sahm Rule indication, the impact of accelerating prices, interest rates at their highest levels since 2007, and commercially suppressive pandemic policies have probably caught up with US producers and consumers. Source: zerohedge.com Joe Biden Threatens to Send Out Attorneys General to Go After Grocers in Plan to Combat His Food Inflation Crisis Grocery prices are soaring thanks to Joe Biden's tax-and-spend policies. The US economy is in bad shape because of Joe Biden's war on domestic oil and the ‘Green New Deal' disguised as the ‘Inflation Reduction Act.' Moody's Investors Service recently cut the US's outlook to negative. Moody's lowered its ratings outlook on the US government citing high interest rates, government spending, and deficits. Inflation is still high, grocery prices are up more than 19%, gas prices are still high and more than 15 million illegal aliens have poured over the border since Biden was installed in January 2021. Most Americans are struggling to put food on the table thanks to Joe Biden. Joe Biden is now threatening to jail grocers to combat his in...

On the surface, it seems like careers in wildlife are pretty financially solid. If you search online for how much wildlife biologists make, you'll discover it's about $70K here in the US. In fact, when I discovered wildlife biology as a career option, I was incredibly relieved to see a solid salary posted! I was previously pursuing a career in acting, which is notorious for having low salaries, lots of unpaid work, uncertainty, and risk. But after 20 years of being in this field working in internships, going to graduate school, postdocing, and then applying for permanent jobs, I realized there are many parallels to theater and wildlife careers, and there's more to that $70K salary than it seems. In fact, when I was applying to jobs, most of the jobs I was competitive for had salaries around the $50-$55K range even with having a Ph.D. and having been in the field for 15 years. So what gives? Why is there such a disparity? In this episode of the Fancy Scientist podcast, I talk about just that: what goes into getting that $70K salary and what jobs are most likely to lead you there. I'm pulling back the curtain on what it REALLY takes to make it in wildlife careers, and trust me, it's not what your college career counselor told you or what you read on the Internet. I talk about how it's incredibly difficult to generalize careers in wildlife and that you have to be careful of the images you see and the information you read - as it often doesn't apply to most wildlife careers!Remember that shiny $70,600 median salary figure from the U.S. Bureau of Labor Statistics? Well, I hate to break it to you, but it's about as realistic as expecting to cuddle pandas on your first day on the job.If you're someone who's been applying for wildlife job after wildlife job, but hearing nothing back, you're about to GET the truth about our field that no one else is talking about. But don't worry, I'm not here to crush your dreams. I 100% believe that you can do this! And to make that happen, you need a realistic understanding of what these careers in wildlife are like so that you can prepare. I'm here to arm you with the knowledge you need to beat the system and thrive in this amazing field. Using my own experiences and those of colleagues, I paint a realistic picture of what aspiring wildlife biologists can expect in this competitive field.By the time you finish this episode, you'll understand the hidden factors that go into getting a $70K salary, what kinds of jobs are more likely to be lucrative, and how some jobs may never pay that much. So, if you're ready to start taking charge of your career and become the successful wildlife professional that you know you are deep down inside, this episode is for you. Specifically, I go over:Why the $70,600 median salary figure from the US Bureau of Statistics is misleading and what goes into making that figureThe experience paradox: why you can't get a job without experience, and can't get experience without a jobThe truth about temporary and seasonal positions in wildlife biologyHow your education level impacts your job prospects and salary potentialCommon misconceptions about wildlife biology work (spoiler alert: it's way more than fieldwork and cute animals!)The crucial importance of data analysis skills in modern wildlife careersPractical tips for preparing for a successful career in wildlife biologyThe realities of fieldwork vs. lab work in wildlife biology careersAnd more!!!I'm Dr. Stephanie Manka (formerly Schuttler), a wildlife biologist of nearly 20 yrs with 20+ peer-reviewed scientific publications, author of the book Getting a Job in Wildlife Biology: What It's Like and What You Need to Know (https://www.amazon.com/Getting-Job-Wildlife-Biology-What/dp/B08JDYXS4G/) and founder of Fancy Scientist. My channel and the Fancy Scientist LLC is dedicated to connecting people to science and nature, breaking stereotypes of, and empowering scientists. I help aspiring and struggling wildlife biologists get the right training so they can get jobs, live out their life's purpose and make a difference in this world.Sign up for my next free job training: https://stephanieschuttler.com/trainingwaitlist/ Want to learn about cool animals, conservation, and get tips about careers in wildlife biology, science, and more? Subscribe to my channel: https://www.youtube.com/StephanieSchuttler and join my email list: https://stephanieschuttler.com/ I'd love to meet you. Connect with me on social media:Twitter: https://twitter.com/FancyScientistInstagram: https://www.instagram.com/fancy_scientist/ Facebook: https://www.facebook.com/fancyscientist/Pinterest: https://www.pinterest.com/fancyscientist/pins/Join the “Getting a Job in Wildlife Biology” Facebook group to connect with other aspiring wildlife biologists, post your questions and get free advice: https://www.facebook.com/groups/gettingajobinwildlifebiologyListen to the Fancy Scientist Podcast: Apple: https://podcasts.apple.com/us/podcast/fancy-scientist-material-girl-living-in-sustainable/id1509587394 Spotify: https://open.spotify.com/show/29swiuHG4TWKbS9gRZrORW#wildlifebiology #wildlifebiologist #wildlife #conservation #wildlifemanagement #wildlifeconservation #zoology #zoologist #ecology #ecologist #scientist #animals #science #graduatestudent #graduateschool #wildliferesearch #animalcareers #animaljobs

Welcome to our Summer Replay series. We wanted to revisit some of our previous episodes. These episodes were previously recorded and aired at an earlier date. This episode originally aired on January 4, 2023. According to the US Bureau of Labor Statistics, only 13% of engineers are women. Helping the next generation of female students pursue careers in engineering requires concerted focus and dedication from professionals and educators alike. In this week's episode, we're highlighting a panel discussion we hosted with five incredible female engineers: Kaylee Janett, a fourth year chemical engineering student at the University of Idaho; Meridian Haas, a mechanical and aerospace engineering PhD candidate at the University of California at Davis; Samantha Daniels, a Massachusetts Builder Designer with EDM; Natalie Nguyen, Oklahoma Mechanical Engineer with Balon Corporation; and Elowyn Yager, Professor of Environmental Engineering at the University of Idaho.  These incredible women shared their passion for engineering and talked about how they first decided to pursue this traditionally male-dominated field. They shared vulnerable experiences they've had, facing sexist views in their education and workplace journeys. Most importantly, they discuss strategies to expand access to engineering learning for tomorrow's female engineers. If you work with female engineering students, this is one episode you don't want to miss.  Strong design-software skills are a great asset in both the academic and professional arenas. Autodesk Certified User (ACU) certification can make a difference for your learners. Discover more here: https://certiport.pearsonvue.com/Certifications/Autodesk/Certifications/Overview.

If you're enjoying the content, please like, subscribe, and comment! Please consider supporting the show! https://anchor.fm/worldxppodcast/support Paul's Website: https://www.paulfalconehr.com/ US Bureau of Labor Stats: https://www.bls.gov/ooh/ Paul Falcone is a renowned expert on effective hiring, performance management, and leadership development, specializing in helping companies build higher performing leadership teams. He spent the last three decades in human resources executive roles at organizations including Nickelodeon, Paramount Pictures, NBCUniversal, Time Warner, and City of Hope Cancer Center Hospital. He is also a bestselling HarperCollins Leadership, SHRM, and American Management Association author and long-term contributor to HR Magazine. Now, Paul is working directly with organizations of all sizes to help them build effective leadership and management teams. His personalized solutions let you build your ideal customized program, from one-time keynote speeches and webinars to ongoing coaching and training for individuals and teams. ______________________ Follow us! @worldxppodcast Instagram - https://bit.ly/3eoBwyr @worldxppodcast Twitter - https://bit.ly/2Oa7Bzm YouTube - http://bit.ly/3rxDvUL Spotify - http://spoti.fi/3sZAUTG Anchor - http://bit.ly/3qGeaH7 #humanity #humanresources #leadership #interview #jobinterview #career #preparation #consulting #author #writing #hiring #hr #business #opportunity #podcast #longformpodcast #podcasts #podcaster #newpodcast #podcastshow #podcasting #newshow #worldxppodcast --- Support this podcast: https://podcasters.spotify.com/pod/show/worldxppodcast/support

The financial site Wealth of Geeks using data from Airbnb in the US Bureau of Labor Statistics compared average weekly salary data to the average cost per night of a short-term Airbnb rental and found the top 10 cities where renting out an Airbnb could earn a host the most, and in some cases, more than even half the salary they would make in a week.

Part 1 The first in a 4 part audio series on the Gunnison Tunnel. One of the US Bureau of Reclamations "First Five" reclamation projects, the Gunnison Tunnel is a 5.8 mile long tunnel that brings water from the bottom of the Black Canyon to the Uncompahgre Valley, and enables life and an economy for the 50,000 residents of the valley. In this episode we explore the daring early survey work, and the conception for the tunnel (who even had the idea for this thing?). Show notes/scripts/references --- Send in a voice message: https://podcasters.spotify.com/pod/show/brodywilson/message

Florian and Esther discuss the language industry news of the week, with the US Bureau of Labor Statistics sharing their projections for growth in translation and interpreting jobs between 2022-2032.The duo delves into Reddit's earnings call, where machine translation is emphasized as a key driver for international growth and content accessibility.Florian touches on recent AI dubbing developments, such as Adobe's upcoming generative audio and video tools, and Microsoft Edge's feature to overlay AI-generated dubbing on videos.Esther gives an M&A corner, including Argo Translations' acquisition of Global Accent Translation Services, LanguageWire's acquisition of WhP International, TransPerfect's acquisition of Content Lab, and Supertext USA's spinoff from its Swiss parent company.Esther also discusses RWS' trading update, where the Super Agency announced plans to sell its interest in PatBase, a patent search database, for GBP 30m.

Today we discuss Bitcoin's post halving dip and Anthropic's competitor to ChatGPT, Claude. Further, we dive into Microsoft's $1.7 billion investment in Indonesia's AI and cloud infrastructure. We also discuss Coinbase's integration of the Lightning Network for faster payment rails, and the potential for US stablecoin legislation. In addition, we chat about Texas Instruments' revenue forecasts, Samsung's operating profit performance and Intel's launch of the largest-ever AI neuromorphic computer' mimicking the human brain. Lastly, we discuss the US Bureau of Labor Statistics' recently released labor report. To learn more, visit us on the web at https://www.morgancreekcap.com/morgan-creek-digital/. To speak to a member of our team or sign up for other content, please email mcdigital@morgancreekcap.com

Our Global Chief Economist joins our Head of Fixed Income Research to review the most recent Consumer Price Index data, and they lay out potential outcomes in the upcoming U.S. elections that could impact the course of inflation's trajectory. ----- Transcript -----Michael Zezas: Welcome to Thoughts on the Market. I'm Michael Zezas, Morgan Stanley's Global Head of Fixed Income and Thematic Research.Seth Carpenter: And I'm Seth Carpenter, Global Chief Economist.Michael Zezas: And on this special episode of Thoughts on the Market, we'll be taking a look at how the 2024 elections could impact the outlook for inflation.It's Wednesday, April 10th at 4pm in New York.Seth, earlier this morning, the US Bureau of Labor Statistics released the Consumer Price Index (CPI) data for March, and it's probably an understatement to say it's been a much-anticipated report -- because it gives us some signal into both the pace of inflation and any potential fed rate cut path for 2024. I want to get into the longer-term picture around what the upcoming US election could mean for inflation. But first, I'd love your immediate take on this morning's data.Seth Carpenter: Absolutely, Mike. This morning's CPI data were absolutely critical. You are right. Much anticipated by markets. Everyone looking for a read through from those data to what it means for the Fed. I think there's no two ways about it. The market saw the stronger than expected inflation data as reducing the likelihood that the Fed would start cutting rates in June.June was our baseline for when the Fed would start cutting rates. And I think we are going to have to sharpen our pencils and ask just how much is this going to make the Fed want to wait? I think over time, however, we still see inflation drifting down over the course of this year and into next year, and so we still think the Fed will get a few rate hikes in.But you wanted to talk longer term, you wanted to talk about elections. And when I think about how elections could affect inflation, it's usually through fiscal policy. Through choices by the President and the Congress to raise taxes or lower taxes, and by choices by the Congress and the President to increase or decrease spending.So, when you think about this upcoming election, what are the main scenarios that you see for fiscal policy and an expansion, perhaps, of the deficit?Michael Zezas: Yeah, I think it's important to understand first that the type of election outcome that historically has catalyzed a deficit expansion is one where one party gets complete control of both the White House and both chambers of Congress.In 2025, what we think this would manifest in if the Democrats had won, is kind of a mix of tax extensions, as well as some spending items that they weren't able to complete during Biden's first term -- probably somewhat offset by some tax increases. On net, we think that would be incremental about $500 billion over 10 years, or maybe $40 [billion] to $50 billion in the first year.If Republicans are in a position of control, then we think you're looking at an extension of most of the expiring corporate tax cuts -- expire at the end of 2025 -- that is up to somewhere around a trillion dollars spread over 10 years, or maybe a hundred to $150 billion in the first year.Seth Carpenter: So, what I'm hearing you say is a wide range of possible outcomes, because you didn't even touch on what might happen if you've got a split government, so even smaller fiscal expansion.So, when I take that range from a truly modest expansion, if at all, with a split government, to a slight expansion from the Democrats, a slightly bigger one from a Republican sweep, I'm hearing numbers that clearly directionally should lead to some inflationary pressures -- but I'm not really sure they're big enough to really start to move the needle in terms of inflationary outcomes.And I guess the other part that we have to keep in mind is the election's happening in November of this year. The new president, if there's a new president, the new Congress would take seats in the beginning of the year next year. And so, there's always a bit of a lag between when a new government takes control and when legislation gets passed; and then there's another lag between the legislation and the outcome on the economy.And by the time we get to call it the end of 2025 or the beginning of 2026, I think we really will have seen a lot of dissipation of the inflation that we have now. So, it doesn't really sound like, at least from those baseline scenarios that we're talking about a huge impetus for inflation. Would you think that's fair?Michael Zezas: I think that's fair. And then it sort of begs the question of, if not from fiscal policy, is there something we need to consider around monetary policy? And so around the Fed, Chair Powell's term ends in January of 2026 -- meaning potential for a new Fed chair, depending on the next US president.So, Seth, what do you think the election could mean for monetary policy then?Seth Carpenter: Yeah, that's a great question, Mike. And it's one that, as you know well, we tend to get from clients, which is why you and I jointly put out some research with other colleagues on just what scope is there for there to be a -- call it particularly accommodative Fed chair under that Republican sweep scenario.I would say my take is -- not the biggest risk to worry about right now. There are two seats on the Federal Reserve Board that are going to come open for whoever wins the election as president to appoint. That's the chair, clearly very important. And then one of the members of the Board of Governors.But it's critical to remember there's a whole committee. So, there are seven members of the Board of Governors plus five voting members, across the Federal Reserve Bank presidents. And to get a change in policy that is so big, that would have massive inflationary impacts, I really think you'd have to have the whole committee on board. And I just don't see that happening.The Fed is set up institutionally to try to insulate from exactly that sort of, political influence. So, I don't think we would ever get a Fed that would simply rubber stamp any president's desire for monetary policy.Michael Zezas: I think that makes a lot of sense. And then clients tend to ask about two other concerns; with particularly concerns with the Republican sweep scenario, which would be the impact of potentially higher trade tariffs and restrictions on immigration. What's your read here in terms of whether or not either of these are reliable in terms of their impact on inflation?Seth Carpenter: Yeah, super topical. And I would say at the very least, we have some experience now with tariff policy. And what did we see during the last episode where there was the trade war with China? I think it's very natural to assume that higher tariffs mean that the cost of imported goods are going to be higher, which would lead to higher inflation; and to some extent that was true, but it was a much smaller, much more muted effect than I think you might otherwise assume given numbers like 25 per cent tariffs or has been kicked around a few times, maybe 60 per cent tariffs. And the reason for that change is a few things.One, not all of the goods being brought in under tariffs are final consumer goods where the price would just go straight through to something like the CPI. A lot of them were intermediate goods. And so, what we saw in the last round of tariffs was some disruption to US manufacturing, disruption to production in the United States because the cost of production went up.And so, it was as much a supply shock as it was anything else. For those final consumer goods, you could see some pass through; but remember, there's also the offset through the exchange rate, that matters a lot. And, consumers, they have a willingness to pay, or maybe a willingness not to pay, and so, sellers aren't always able to pass through the full cost of the tariffs. And so, as a result, I think the net effect there is some modestly higher inflation, but really, it's important to keep in mind that hit to economic activity that, over time, could actually go in the opposite direction and be disinflationary.Immigration, very different story, and it has been very much in the news recently. And we have seen a huge surge in immigration last year. We expect it to continue this year. And we think it's contributing to the faster run rate that we've seen in the economy without continued inflationary pressure. So, I think it's a natural question to ask -- if immigration was restricted, would we see labor shortages? Would that drive up inflation? And the answer is maybe.However, a few things are really critical. One, the Fed is still in restrictive territory now, and they're only going to start to lower rates if and when we see inflation come down. So the starting point will matter a lot. And second, when we did our projections, we took a lot of input from where the CBO's estimates are, and they've already been assuming that immigration flows really start to normalize a bit in 2025 and a lot more in 2026. Back to run rates that are more like pre-COVID rates. And so, against that backdrop, I think a change in immigration policy might be less inflationary because we'd already be in a situation where those flows were coming down.But that's a good time for me to turn things around, Mike, and throw it right back to you. So, you've been thinking about the elections. You run thematic research here. I've heard you say to clients more than once that there is some scope, but limited scope for macro markets to think about the outcome from the election, but lots of scope from a micro perspective. So, if we were thinking about the effect of the election on equity markets, on individual sectors, what would be your early read on where we should be focusing most?Michael Zezas: So we've long been saying that the reliable market impacts from this election, at least this far out, appear to be more micro than macro. And so, for example, in a Republican sweep scenario, we feel pretty confident that there would be a heavier skew towards extending corporate tax cut provisions that are expiring at the end of 2025.And if you look at who benefits fundamentally from those extensions, it tends to be companies that do more business domestically in the US and tend to be a bit smaller. Sectors that tend to come in the scope include industrials and telecom; and in terms of size of company, it tends to skew more towards small caps.Seth Carpenter: So, I can see that, Mike, but let me make it even more provocative because a question I have got from clients recently is the Inflation Reduction Act (IRA), which in lots of ways is helping to spur spending on infrastructure, is helping to spur spending on green energy transition. What's the chance that that gets repealed if the outcome, if the election goes to Trump?Michael Zezas: We see the prospects for the IRA to get repealed is quite limited, even in a Republican sweep scenario. The challenge for folks who might not want to see the law exist anymore is that many of the benefits of this law have already been committed; and the geographic area where they've been committed overlays with many of the districts represented by Republicans, who would have to vote for its repeal. And so, they might be voting against the interests of their districts to do that. So, we think this policy is a lot stickier than people perceive. The campaign rhetoric will probably be, pretty elevated around the idea of repealing it; but ultimately, we think most of the money behind the IRA will be quite durable. And this is something that should accrue positively to the clean tech sector in particular.Seth Carpenter: Got it. Well, Mike, as always, I love being able to take time and talk to you.Michael Zezas: Seth, likewise, thanks for taking the time to talk. And as a reminder, if you enjoy Thoughts on the Market, please take a moment to rate and review us on the Apple podcast app. It helps more people find the show.

Welcome to "From Conflict to Collaboration: The Art of Mediation”, Episode #136Have you ever felt trapped in a web of conflict, unsure of how to untangle the emotional threads of anger, fear, and confusion? This week, we're joined by mediator Michael Fraidenburg, co-author with fellow mediator Terry Teale, of the recently published book, “The Art of Mediation” to explore the transformative journey mediation offers in guiding individuals from impasse to insight. We discuss some of the emotional complexities of conflict, and the critical role of the mediator in fostering a safe space for genuine dialogue.Mike and I explore the subtleties of facilitative mediation, a process that hands the reins back to the conflicting parties, allowing them to steer towards their own resolutions while maintaining autonomy. Our discussion explores the mediator's dual role – resolving the present dispute while equipping individuals with the psychological tools and practical know-how to approach resolving future conflicts together without the need for professional support.You'll leave this episode equipped with Mike's three golden questions, your new go-to toolkit for reshaping perspectives and promoting flexibility in the face of disagreement. These questions aren't just for the mediation table; they're practical approaches that can be woven into the fabric of your daily personal interactions. Join us for an episode that not only provides powerful, yet easy to use tools for mediation, but also for fostering collaborative relationships in our daily lives.Must-hear highlights include:Conflict is a natural, normal part of life, and can actually be an opportunity. It's how we approach conflict that determines if the impact is constructive or destructive.The ways in which mediation empowers people to find their own solutionsThe 3 golden questions that will help you move forwardThe transformative power of the "yes, and" rule and the "good enough" standardMichael Fraidenburg, the principal of The Cooperation Company, is a Certified Mediator recognized by the Washington Mediation Association. He teaches conflict resolution for the Dispute Resolution Center of Thurston County, WA and the Northwest Environmental Training Center, contributing to the skill development of professionals. His expertise includes working with prominent organizations, like the US Bureau of Land Management, the State of Washington, the City of Seattle, and the Puget Sound PartnershipMichael's co-author, Terry Teale, the principal of Heart of the Matter Mediation Services, is a certified mediator, collaborative negotiations specialist, and the past Board President of the Dispute Resolution Center of Thurston County, WA.Here's where to go to learn more:Website: Please support Co-creating Peace: Subscribe to Co-creating Peace on your favorite podcast provider Send me your ideas for topics and guests or be a guest to talk about your communication or conflict resolution challenges and receive free communication coaching Share on social media & tell the world about Co-creating Peace! Become a patron at www.patreon.com/CocreatingPeace Visit BridgesofPeace.com to learn more about Kathleen and her work.

Do you remember back in 2021, when  more than 47 million Americans quit their jobs voluntarily, an unprecedented mass exit from the workforce? This trend is being referred to as the Great Resignation and is primarily driven by the Covid-19 pandemic. Due to this, worker shortages are being observed everywhere, with gas stations and dental offices reducing their operating hours as they struggle to find employees to replace those who have resigned.  The Great Resignation has disrupted the relationship between labor market and workers.  According to the US Bureau of Labor and Statistics, According to 247Sports, most of the top prospects have already committed to a school. Specifically, 33 of the top 33, 98 of the top 100, and 143 of the top 150 prospects have already made a commitment.  As to which college basketball program they will attend. Jared Zeidman has made his debut in the literary world with his book, "Nail The Recruiting Process". He brings with him almost 15 years of extensive experience in college athletics. Zeidman previously worked as a full-time coach but made the brave decision to step away and focus on his recovery from severe complications related to a Covid-19 infection. Currently, he works as a consultant for college coaches aiming to build successful programs and high school athletes seeking recruitment. Zeidman is well-known for his dynamic energy, developmental lens on coaching, and passion for sports that extends beyond the field of play. He has a Master's in Higher Education Administration from the State University of New York at Buffalo and a Bachelor's in Media Studies from Quinnipiac University. His academic background, coupled with his coaching acumen, showcases a holistic approach to both athletics and education. For more information, please visit https://www.nailtherecruitingprocess.com/ and follow @jaredthecoach.

CEOs face a baffling situation: layoffs alongside a labor shortage. Discover the facts around this paradox, and what many leaders are doing now to future-proof their talent strategy (4 minute podcast). Reports from the latest layoffs and labor shortages; * "Understanding Americas Labor Shortage: The Most Impacted Industries" - US Chamber of Commerce * "The Latest Labor Shortage Trends & Statistics (2024)" - Globally - Manpower and various other sources * "Labor Force Participation Rates" - US Chamber of Commerce * "Employment Situation" - US Bureau of Labor Statistics ======================================== CEO Blindspots® Podcast Host: Birgit Kamps. Birgit's professional experience includes starting and selling an “Inc. 500 Fastest Growing Private Company” and a “Best Company to Work for in Texas”, and serving as a Board Member with various companies. She is able to help investors and executives quickly discover blind spots holding their organization back, and accelerate leadership effectiveness. In addition, Birgit is the host of the CEO Blindspots® Podcast which was recognized for having the “biggest listener growth” in the USA by 733%, and most recently for having the "top 1.5% global ranking" in its category; ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.ceoblindspots.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To ask questions about this or one of the 200+ other CEO Blindspots® Podcast episodes, send an email to⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠birgit@ceoblindspots.com⁠

Rainforest asks the question, "What does it REALLY mean to make an appeal?" We discuss what that means inside and outside of prison and what it means for those with and without money. We also get into the idea of culpability and how that ties into harsher sentencing for youth offenders. We finish the episode by asking Malone, "What does Starbucks taste like after 30 years in prison?" Crime Statistics from 1960's-2001 from the US Bureau of Justice Statistics: https://en.m.wikipedia.org/wiki/File:US_Crime_rates_per_capita_1970-2001,_GAO_Chart.png Support The Shakedown at: https://www.patreon.com/TheShakedown More about The Shakedown at: https://shakedown.show Find Shakedown merch and support us at: https://wayword.press The Shakedown on IG, Threads, FB, or TikTok: @gettheshakedown More about Nina the Pitbull at: @nina_is_a_pitbull Ryan/Rainforest on IG: @lorax4life Malone on IG: @they_call_me_malone Dave on IG: @sociallydistorted10 00:00 - Introduction to The Shakedown 01:02 - An awkward opening... 01:59 - How do appeals work? 04:45 - Trying to legally kill someone...twice? 06:50 - Our feelings on vengeance and criminal justice 08:44 - How do appeals work...when you don't have money 12:10 - The culpability of youth offenders 16:32 - Increased sentencing for juveniles 20:08 - What you get released from prison with 21:39 - What it was like for Malone getting released after 30 years

According to the US Bureau of Labor Statistics, there were about 9 million job openings in December.  Yet, there are nowhere near that many applicants available to fill those openings.  At the same time, there are endless stories of people applying to 100's of jobs and never getting even one interview.  You'll also see the same job posted, and reposted and then promoted again with 100's or even 1000's applying.  So, what gives?  Is this job market real?  On this week's episode of the Leadership Lifestyle podcast, I dive into the numbers and ask some questions.  More importantly, I'll give you four options to help in your search for a new job, a better job, or just a better version of you. Let's Connect on LinkedIn https://www.linkedin.com/in/mark-charest-a08369a4/  

According to the US Bureau of Census, 90% of small businesses in America are family-owned and operated. Many Collective 54 members work alongside family members daily. Are you? Should you? There is a different set of management best practices used to grow, scale, and exit a service firm owned and operated by a family. Attend this session to learn from Collective 54 Member Carajane Moore, President, together with her brother Tom Searcy, Founder and CEO, at Hunt Big Sales, on how mixing family and business can be an effective way to fulfill your dreams—personal and professional. https://www.collective54.com

Prepare to navigate the intricacies of massage therapy education with Cal Cates and myself, Corey Rivera, in a conversation that's vital for the future of massage schools. We're treading into the uncharted territory of curriculum overhauls, necessitated by the Gainful Employment Act's momentum. July 2024 inches closer, and with it, the deadline for schools to meet the stringent 100% rule looms large. We'll be examining what these transformations mean for federal funding, the ongoing discourse around a standardized 625-hour training program, and the prospect of a two-tier licensure system that could redefine our profession.The financial landscape for massage therapists can be as complex as the human body itself. We peel back the layers of IRS reporting, income misconceptions, and the stark realities of cash-based earnings in our field. Our candid discussion illuminates the struggles with underreported income and deciphers the myths that often cloud the true earning potential within our industry. We're not just talking about the dollars and cents; we're scrutinizing the impact of federal legislation on educational paths and how it shapes the aspirations and career sustainability for those who enter this trade with passion and purpose.But passion alone doesn't pay the bills. The nobility of any profession is not measured by financial struggle, and we're dissecting the politics that shape our regulatory landscape. We're also addressing the burnout that threatens our ranks, pondering whether it's the physical toll or the relentless financial hustle that wears us down. And we're not stopping there. Our conversation extends an invitation to join us in reimagining healthcare through Healwell's mission and to lend your voice to this critical dialogue. Your insights are the heartbeat of our community, so tune in, engage, and be a part of the change we're striving to make.Note: at about 15 minutes, Corey says "$40 an hour" when she really meant "40 hours a week." Oops!US Bureau of Labor Statistics: Massage TherapyInside Higher Ed: Gainful Employment Proves Contentious, AgainSupport the showLet us know what you think! Send us an email: podcast@healwell.orgLeave us a voicemail on SpeakpipeCheck out our interview-style podcast: InterdisciplinaryYou can support Healwell and the cool things we make by donating here!Other ways join in: Leave us a review on Apple Podcasts Find bonus content from Interdisciplinary and early release episodes on Patreon! Check Healwell's live and online classes Continue the conversation with a two-week free trial of the Healwell Community Merch! Find your Healwell fashion here Find a copy of Rebecca Sturgeon's book: "Oncology Massage: An Integrative Approach to Cancer Care" Thank you to ABMP for sponsoring The Rub!Healwell is a 501(c)(3) non-profit based out of the Washington DC area. Check us out at www.healwell.org ...

According to the US Bureau of Labor Statistics, the average person now changes jobs an estimated 12 times during their career. And, in the last few years, the US has averaged around 21-22 million layoffs a year. That means at some point most of us will be looking for new work and that search could be quite stressful and intense. That's why it's important to consider the psychology of the job search. We'd be wise to prepare ourselves for the natural emotions and reactions we'll face when our time to look for new work comes. On this episode, I found the perfect guest to help me wrestle with this topic. Dr. Dawn Graham (or Dr. Dawn as she was known on her Sirius XM Radio call-in show) is a TEDx Speaker, LinkedIn Learning Instructor, and licensed psychologist. When she was the Career Director for the executive MBA program at The Wharton School, she wrote the wildly popular book Switchers: How Smart Professionals Change Careers and Seize Success. Her combined experience as a career coach, psychologist, and corporate recruiter gives her a unique and powerful perspective on this topic. Listen in to learn what she has to say! Check out her LinkedIn Learning Course: Getting into the Mind of the Hiring Manager

In January of 2002, a 20-year-old man was working a surveying job in a Georgia forest when he vanished without a trace. When his co-workers realized he was no longer standing in the line, they began their search for him, only to find one of his boots hanging from a barbed wire fence, with his work tools, his work pants, and twelve cents laying in the grass next to it. So where did he go, and what happened to him? This is the story of Christopher Thompkins. BONUS EPISODES Apple Subscriptions: https://podcasts.apple.com/us/podcast/going-west-true-crime/id1448151398 Patreon: patreon.com/goingwestpodcast CASE SOURCES 1. The Crime Wire: https://thecrimewire.com/true-crime/The-Mysterious-Disappearance-of-Christopher-Thompkins 2. WTVM: https://www.wtvm.com/2023/07/19/20-years-later-family-officials-continue-search-answers-disappearance-harris-co-man/ 3. Ledger-Enquirer: https://www.newspapers.com/image/860192725/?terms=christopher%20thompkins&match=1 4. US Bureau of Labor Statistics: https://www.bls.gov/ooh/architecture-and-engineering/surveyors.htm#:~:text=Boundary%20or%20land%20surveyors%20determine,proper%20depths%20for%20building%20foundations. 5. Exit 9: https://web.archive.org/web/20201111232151/http://exit9.news/2019/03/14/christopher-thompkins-part-ii-following-the-clues/ 6. The End of Summer: https://the-end-of-summer.blogspot.com/2015/01/missing.html 7. Ledger-Enquirer: https://www.newspapers.com/image/860307726/?terms=christopher%20thompkins&match=18. 9. Ledger-Enquirer: https://www.ledger-enquirer.com/news/local/article28986784.html 10. WRBL: https://www.wrbl.com/news/vigil-for-man-missing-since-2002/ 11. Reddit: https://www.reddit.com/r/UnresolvedMysteries/comments/ovx5x7/anyone_familiar_with_this_case_the_bizarre/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Inner Resonance & The Cosmic Chrysalis with Maureen Edwardson Maureen has been developing and evolving Inner Resonance Technologies (IRT) over the last 25 years.  She has shared this technique in US Bureau of Indian Affairs tribal schools and in Canadian First Nations communities.  Maureen has also presented IRT to shamans, medical and physics professors from the research institutes. Also Maureen has introduced and given training of Inner Resonance Technologies to Medical Doctors, Naturopaths, Chiropractors, Counselors, and Psychologists as well as the average person with no background other than the desire to help others. Maureen is author of Your Magical Evolutionay Code Unleased and is launching a new program to empower people called The Cosmic Chrysalis to explore our evolutionary programs. The first being Tooth and Gum Regeneration. As an added bonus, Maureen will be offering a Collective Defrag to get our new year off to a fresh start. For more information visit: https://maureenedwardson.com/ *************************************************** For more information about BITEradio products and services visit: http://www.biteradio.me/index.html To view the photography of Robert at: http://rpsharpe.com/

Lies, damn lies and statistics? DICK BOVE, once again, challenges the US Bureau of Labor Statistics (BLS), this time attacking its announcement that the US economy generated 216,000 jobs in December as the unemployment rate held steady at 3.7 percent. Using government data on hirings, layoffs, people quitting jobs and hourly wages, BOVE concludes December's BLS report is widely off the mark. “We lost 150,000 jobs last month,” says BOVE, chief financial strategist at ODEON CAPITAL GROUP. “It's an outrageous misstatement of these numbers by the press that creates major losses in the hands of investors,” he adds.    In fact, BOVE sees weaker signs in the labor markets than is acknowledged by other analysts. Are we therefore, inching ever closer to that long anticipated recession?  The CONVERSATION examines the US money supply which BOVE has been tracking for months. The latest data shows the M2 money supply continues to shrink with the first significant drop in M2 since the Great Depression. Some analyst see that as a harbinger of recession. MAT VAN ALSTYNE, ODEON co-founder and managing partner, says BOVE'S analysis of the US Money Supply is on target. Meanwhile, bank earnings season is upon us. BOVE, a veteran bank analyst, expects dismal results and explains why.  Will we see a sharp decline in 2024 in management fund fees for ETF mutual funds and other funds? One report hints at fee reductions. The CONVERSATION also looks at the lessons of history – how many nations supposedly neutral, reportedly profiteered by quietly working with the Third Reich. What might this suggest about the stance of “non-aligned” nations today as the brutal war in Ukraine grinds on, asks our host JOHN AIDAN BYRNE. Questions & Comments: Podcast@odeoncap.com      

In this episode, we'll be taking a lookback on 2023 year with a special Holiday Quiz edition of The Bid. Our contestants are Oscar Pulido, your regular Bid host with the most and ETF expert and Bid regular, Gargi Pal Chaudhuri. Oscar and Gargi will play for bragging rights and the esteemed title of The Bid Quiz Winner in our inaugural Holiday Quiz. Get ready to play along...Sources: FOMC Announcement July 26; US Bureau of Labor Statistics, latest as of Dec 8th; 2022 Annual Report AARP; iShares Investor Progress Report 2023;This content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener.In the UK and Non-European Economic Area countries, this is authorized and regulated by the Financial Conduct Authority. In the European Economic Area, this is authorized and regulated by the Netherlands Authority for the Financial Markets.For full disclosures go to Blackrock.com/corporate/compliance/bid-disclosuresSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Solaris Resources entered into an US$80M financing agreement with Orion Mine Finance for the advancement of the Warintza copper project in Ecuador. Collective Mining announced assay results from the first four directional drill holes into the Apollo porphyry system. Nevada Gold Mines received a Record of Decision from the US Bureau of Land Management for the plan of operations for its new Goldrush underground mine. Dundee Precious Metals published a maiden mineral resource estimate of close to 1.8 million ounces at its Čoka Rakita gold project in eastern Serbia. Heliostar Metals completed its warrant exercise incentive program. We'd like to thank our sponsors: Western Copper and Gold is focused on developing the world-class Casino project in Canada's Yukon Territory. The Casino project consists of an impressive 11 billion pounds of copper and 21 million ounces of gold in an overall resource. Western Copper and Gold trades on the TSX and the NYSE American with WRN. Be sure to follow the company via their website, www.westerncopperandgold.com. Arizona Sonoran Copper Company (ASCU:TSX) is focused on developing its brownfield copper project on private land in Arizona, a tier 1 location. The Cactus Mine Project is located less than an hour's drive from the Phoenix International airport via highway i-10, and with grid power and the Union Pacific Rail line situated at the base of the Cactus Project main road. With permitted water access, a streamlined permitting framework and infrastructure already in place, ASCU's Cactus Mine Project is a lower risk copper development project in the infrastructure-rich heartland of Arizona.For more information, please visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.arizonasonoran.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Fireweed Metals is advancing 3 different projects within the Yukon and Northwest Territories, including the flagship Macmillan Pass Project, a large zinc-lead-silver deposit and the Mactung Project, one of the largest and highest-grade tungsten deposits in the world. Fireweed plans to advance these projects through exploration, resource definition, metallurgy, engineering, economic studies and collaboration with indigenous people on the path to production. For more information please visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fireweedmetals.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

What are the economic and cultural benefits of tourism. What are the downsides to too much tourism. How to find the right balance.Topics covered include:How short-term rentals have changed tourismHow cities grapple with too many short-term rentalsWhat is the outlook for short-term rentalsHow much does tourism contribute to economic outputHow can tourism be harmful and helpfulThe example of CubaSponsorsMadison Trust Self-Directed IRA - Go Here to Learn More and Get Your $100 Off Promo CodeLinkedIn Jobs – Use this link to post your job for free on LinkedIn JobsInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletter.Show NotesInternational tourism revenue, percent of GDP - Country rankings—The Global EconomyU.S. Travel and Tourism Satellite Account for 2017–2021 by Sarah Osborne—Journal of US Bureau of Economic Analysis 2023 Short-Term Rental Mid-Year Outlook—AirDNAWelcome to Hochatown, the Town Created by Airbnb by Julie Satow—The New York TimesShort-Term Rentals Attract Private Equity Seeking New Asset Class by Sean O'Neill—SkiftAs Cuba's economic crisis deepens, citizens scramble to migrate by any means by Dave Sherwood—The Irish TimesCuba's worst economic crisis in decades forces people to get creative to survive by Eyder Peralta—NPRRelated Episodes93: Capitalism, Complexity and Cuba389: Is Airbnb Intensifying the Housing Crisis?449: The House of Cards: Evaluating Economic and Financial Warning SignsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In 1945, the population of the United States was around 140 million people, and those Americans owned an estimated 45 million guns, or about one gun for every three people. By 2023, the population of the United States stood at just over 330 million people, and according to historical data from the US Bureau of Alcohol, Tobacco, Firearms and Explosives, the number of guns produced and imported for the US market since 1899 exceeds 474 million firearms. Even assuming some of those guns have broken or been destroyed or illegally exported, there are easily more guns than people in the United States today. How and why the number of guns rose so precipitously in the US since World War II is our story today. Joining me to help us learn more about guns in the United States in the second half of the 20th Century is Dr. Andrew C. McKevitt, the John D. Winters Endowed Professor of History at Louisiana Tech University and author of Gun Country: Gun Capitalism, Culture, and Control in Cold War America. Our theme song is Frogs Legs Rag, composed by James Scott and performed by Kevin MacLeod, licensed under Creative Commons. The mid-episode music is “Johnny Get Your Gun,” composed by Monroe H. Rosenfeld and performed by Harry C. Browne, in New York on April 19, 1917; the audio is in the public domain and available via the Library of Congress National Jukebox. The episode image is a Hi-Standard ad from 1957. Additional sources: “How Many Guns Are Circulating in the U.S.?” by Jennifer Mascia and Chip Brownlee, The Trace, Originally posted March 6, 2023, and Updated August 28, 2023. “The Mysterious Meaning of the Second Amendment,” by James C. Phillips and Josh Blackman, The Atlantic, February 28, 2020. “Timeline of Gun Control in the United States,” by Robert Longley, ThoughtCo, updated on January 08, 2023. “Do Black People Have Equal Gun Rights?” by Charles C. W. Cooke, The New York Times, October 25, 2014. “Gun Control Is as Old as the Old West,” by Matt Jancer, Smithsonian Magazine, February 5, 2018. “The NRA Wasn't Always Against Gun Restrictions,” by Ron Elving, NPR, October 10, 2017. “How NRA's true believers converted a marksmanship group into a mighty gun lobby,” by Joel Achenbach, Scott Higham and Sari Horwitz, Washington Post, January 12, 2013. “Opinion: The reality of gun violence in the US is bleak, but history shows it's not hopeless,” by Julian Zelizer, CNN, April 1, 2023. “Firearms and Federal Law: The Gun Control Act of 1968,” by Franklin E. Zimring, The Journal of Legal Studies 4, no. 1 (1975): 133–98. “Remarks Upon Signing the Gun Control Act of 1968,” by President Lyndon B. Johnson, The American Presidency Project. “The Inside History of How Guns Are Marketed and Sold in America,” by Olivia B. Waxman, Time Magazine, August 19, 2022. “The Supreme Court will hear a case that could effectively legalize automatic weapons,” by Ian Millhiser, Vox, November 3, 2023. Learn more about your ad choices. Visit megaphone.fm/adchoices

To celebrate Global Business Analysis Day (1st November), we rounded up 12 experts to create a complete guide on the Business Analysis profession. Each expert is a respected Business Analysis practitioner. Some are authors, public speakers, educators, coaches and above all, advocates of the Business Analysis profession.This episode is for you if you are curious about changing careers or simply if you want to deepen your knowledge about the role. We explore the following topics in this episode:* What do Business Analysts do?* The History of the BA role* Essential skills for BA's* Popular BA techniques* How to become a BA* Training pathways and resources for BA's* Future of the BA roleA huge thank you to all of the guests who dedicated their time and energy to help create this episode. If you found any of the insights useful and would like to explore these topics further, then please connect with the expert directly using their LinkedIn profiles below:Adrian ReedAngela WickBronia Anderson-KellyChristina LovelockFabricio LagunaGrant WrightJamie ToyneJared GoraiLinda ParkerNick de VoilSam MerrickVincent Mirabelli⚡️ In each episode, Paddy Dhanda deep dives into a new human Superpower and gives practical advice on how you can apply it immediately.

According to the US Bureau of Labor Statistics there a 13,183,250 people listing their job title as sales or selling. They have a mean annual wage of $50,370 (and that is really mean!) and if you are in the 90th percentile, the average wage is $94,040. That tells us that there a lot of sales reps out there who are basically starving to death because they don't know how to differentiate themselves from the pack. So, if you want to move into that top 10%, listen up as Scott and I welcome our guest Sales Leadership Expert, Steve Keating to tell us How to Move from Sales Rep to Trusted Advisor on episode 584 of the Winning at Selling podcast.

Soy Checkoff: https://www.unitedsoybean.org/Soy Innovation Challenge: https://www.thesoychallengelive.com/Farmer Coach: https://farmercoach.ca/Maverick Ag: https://maverickag.com/Hebert Grain Ventures: https://hebertgrainventures.com/FoA 302: Farm Business Strategy with Kristjan HebertFoA 303: Implementing a Farm Operating System with Kristjan HebertEvan Shout is the president and co-founder of Maverick Ag, a business consulting and risk management firm in Western Canada. He also sits as president, co-founder, and lead coach at Farmer Coach, an education and coaching program for primary producers in both Canada and the US. These organizations fall under the Hebert Group of Companies, which also includes Hebert Grain Ventures, a 30,000-acre grain and oilseed operation in southeast Saskatchewan, where Evan sits as Chief Financial Officer.I had the privilege of hosting Evan's business partner, Kristjan Hebert on the show last year back in episodes 302 & 303. Those were very popular episodes about farm strategy and farm operating systems. We follow that up with today's episode with Evan Shout about the entrepreneurial mindset and how apply that mindset to running a modern farm business. Spotlight Segment: Mac Marshall is the vice president of market intelligence for the United Soybean Board, where his job as part of the strategy team is to best position farmer leaders and directors to have the best information for making strategic decisions that are going to determine the fate of the soybean industry for years to come. He studied economics as an undergrad, and started his career with the US Bureau of Labor Statistics where he covered livestock, meat, cotton and consumer packaged goods. This background in economics and commodities analysis led to a job with Monsanto in corporate strategy then government relations before he joined the soybean board in 2020. He says strategic decisions from the farmer-led board have had major impacts on soybean farmers for decades, and shares some of the actions they are taking today to make sure the commodity continues to enjoy its demand and distribution for years to come. One example, he says, is the use of soy in renewable diesel.

In many world nations, if you're born poor, you stay poor. I discuss how in America, you can be upwardly mobile. Back in 2010, real estate prices had fallen, but rents had not. This created years of cash flow. Today, as prices have outpaced rents, cash flow keeps shrinking. Our Investment Coaches have access to income properties with 4.75% and 5.75% mortgage interest rates. It's a way to "bring back cash flow". Get started at GREmarketplace.com/Coach Terrific housing intelligence analyst Rick Sharga joins us for the first of two consecutive episodes. Rick & I discuss the condition of the American consumer, inflation and interest rates, concerns about a potential economic downturn, the housing market, the impact of consumer confidence on spending, and the actions taken by the Federal Reserve to control inflation.  There's flagging consumer confidence and a yield curve inversion. Are these finally harbingers of an economic recession? Rick's informal survey of economists find that there's a 50-50 chance of a recession this cycle. Earlier this year, 80% of economists felt that a recession was imminent. If there is a recession this cycle, Rick thinks there's a probability that it will be mild. Average hourly wages are $28-29 / hour. Wage growth is 4-5%. Wages are finally running higher than home price appreciation. Timestamps: The Future of Real Estate Investing [00:01:33] Discusses how owning real estate can help individuals move into a different wealth class and the benefits of owning rental properties. Changes in the Real Estate Market [00:04:06] Explains how the real estate market has changed over the years, with property prices catching up to rents and the decrease in cash flow opportunities. Taking Advantage of Low Mortgage Rates [00:07:53] Highlights the opportunity for investors to take advantage of low mortgage rates offered by builders and the benefits of using their preferred lenders. (Yes, even here in 2023. We have 4.75% and 5.75% rates that builders buy down.) The housing market correction [00:11:31] Discussion on the correction in the housing market and its localized impact on different regions. Economic landscape of the United States [00:16:09] Overview of the US economy, including GDP growth and the strength of consumer spending. Wage growth and home price appreciation [00:20:16] Comparison of wage growth outpacing home price growth, impacting housing market affordability. Consumer Confidence and Spending [00:21:24] The correlation between consumer confidence and spending during the pandemic, the impact of subsequent waves of COVID, and the role of pent-up consumer demand and government stimulus. Red Flags in Consumer Spending [00:22:25] The disconnect between consumer spending and low confidence scores, the record level of consumer credit card use, and the decrease in personal savings rates. Inflation and the Federal Reserve [00:25:44] The high inflation rate in 40 years, the actions taken by the Federal Reserve to control inflation, the impact on housing costs, and the potential for a recession. Yield Curve Inversion and Recession Predictions [00:31:07] Discussion on the yield curve inversion and its historical correlation with recessions. Impact of Recession on the Housing Market [00:32:04] Exploration of the potential impact of a recession on the housing market. Part Two: State of the Housing Market and Future of Investment Real Estate [00:33:03] Teaser for the next episode, which will analyze the state of the housing market and the future of investment real estate. Resources mentioned: Show Notes: www.GetRichEducation.com/466 Rick Sharga on X (Twitter): @RickSharga 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”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach 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 Keith's personal Instagram: @keithweinhold   Keith Weinhold (00:00:01) - Welcome to. I'm your host, Keith Weinhold. Today, it's part one of two of my exclusive interview with one of the nation's foremost housing intelligence analysts. How's the condition of today's American consumer? What's the future of inflation, the Fed interest rates? And should you really be concerned about a downturn today on get rich education?   Corey Coates (00:00:28) - 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 (00:00:51) - Welcome from Orange County, Florida, to Orange County, California, and across 188 nations worldwide. You're listening to one America's longest running and most listened to shows on real estate. With nearly nine years of weekly episodes. You're listening to Get Rich Education. I'm your host, Keith Wine expert, housing and mortgage analyst Rick Sugar is back and he is figuratively waiting in the wings. Here to give us an update on the economy shortly. In many nations of the world, if you are born poor, you stay poor. It's really hard to change wealth classes because you can't own anything in so many world places.   Keith Weinhold (00:01:33) - If you're born middle class, you also stay middle class. There's no way out of that. Owning real estate is the number one way to move yourself into a different wealth class. Owning your own business is another way, but with owning real estate, it's quite easy to follow a template and do what someone else has already done. Within a proven system. You don't have to have a new out-of-the-box business idea. For example, in the US, if you start collecting assets that pay you each month, you can quickly become upwardly mobile. In America, even if you were born into poverty and have a long line of impoverishment in your family, you can own your own home and that can help you go from poor to middle class. You can add rental properties and go from poor or middle class to wealthy because if you're in the US you are allowed to own things. Yeah, keep accumulating properties and keep getting rent money from tenants. In so many nations of the world. If you come from modest means, you just cannot get dozens of people or hundreds of people to pay you one third of their income every month.   Keith Weinhold (00:02:52) - But here you can get all these tenants to pay you one third of their salary in rent so you can close that class divide. It's up to you. That's what makes the US great. You can move into a different wealth class, the GSEs, the government sponsored enterprises. They will even give you backing on a bank loan so that you can do this. They're really encouraging this and enticing you to do this with as little as a 3% down payment on your primary residence or 20% down on rental properties. It's like they're almost forcing you to succeed. And there's even a 1% down program for primary residences now available in some places. So the bank gives you the loan, the tenant pays you the rent, and the government gives you the tax break. Like I say, that right there is using other people's money three ways at the same time, the bank, the tenant and the government, it all sort of falls in your lap if you want it to, but you do have to ask for it and you do have to do some arranging and you need to be diligent and attentive to.   Keith Weinhold (00:04:06) - But most Americans, they just aren't wise to this. Now, the real estate market, it has changed from a few years ago. It was spring of 2020 where we had that big inflection point, as you know, because I often discuss it. That was that supply crash. And since that time, home prices have run up faster than rents. But I'd like to give you some broader perspective here. There's something important with real estate investing that you may not have realized coming out of the global financial crisis 2008, 2009, 2010. At 2010, when we really started to lift up out of the rubble because by 2010, property prices were still down low. They were near the rock bottom. They're even lower than replacement costs in a lot of markets, which was artificially low. But see, rents didn't really fall much in the GFC. Rents stayed the same. So you know what happened in 2010 and all the years following it will cash flow began. And that's because all over America you then had these high rents and low purchase prices that had been beaten down by the GFC.   Keith Weinhold (00:05:18) - Cash flow like that wasn't really normal, but by now property prices have caught up to rents and even surpassed them. So besides investors being used to low mortgage rates, these ultra low rates, they also got used to this ultra high ratio of rent income to purchase price. That's just not there like it used to be. So today, in more places, you can't expect much of anything for cash flow now with a few years of. Income property ownership. Say if you bought something late this year, a few years later, now you shouldn't count on it. But rents, as we know, historically rise to then start providing you with cash flow to complement the other four ways that you're simultaneously paid. So my point is that today the deals aren't as good as they were ten years ago and five years ago, and that is all part of the provenance and perspective that I'm sharing with you from the real estate investing landscape starting from back around 15 years ago. But today I posit that it is still difficult to find a better place to invest a dollar than with a loan on carefully bought income property.   Keith Weinhold (00:06:31) - And I have some really good news for you here. All right. We know higher mortgage rates. They're not just a pain point for first time homebuyers and second time homebuyers for that matter, but they're a pain point for you, the investor. Well, if you didn't already know, we have largely sort of that problem here at Gray. And that is why investors like you are still snapping up rental properties fast. From Marketplace today, owner occupied mortgage rates are about 7% in income. Property rates are about 8%. But because of the strength of our marketplace networks and relationships here we have one new build provider offering a mortgage rate of 5.75%. Yes, they will see that your mortgage rate is bought down to 5.75% for your purchase. Yes, right here in today's environment, another new build investment property provider is offering a buy down to 4.75%. Yes, you heard that right. And we have another builder provider where our investment coaches have been sharing with you a 2.99% seller financing option. So is cash flow back? Yes, a lot of times it is.   Keith Weinhold (00:07:53) - The builders know that it's a pain point for buyers and our coaches and I hear a Gary know it too, So we have rubbed salve on the wound here, I suppose. 5.75% interest rates, 4.75 or even 2.99. At times you'll have to use the builders preferred lender to get those terms. Otherwise I like to use Ridge lending Group because they specialize in income property loans. There is even more to it. These builders are in business to move property, so take advantage of it. And besides buying down your mortgage rate for you like that, some are even waiving their property management fee for you for the first year, in addition to buying down the rate and don't know how long all this is going to last. So this could be a really good time for you to contact your investment coach. Your coach will help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace slash coach and they're there to help you out.   Keith Weinhold (00:09:11) - Hey, it's really great to have the savvy and the experience of Rick Shaka back on the show today. His mind is always in the market. He's often doing these public speaking appearances informing audiences about it. He's been the executive vice president of markets at some of America's leading housing intelligence firms. We have so much to discuss that Today's episode is part one of two back to back episodes with Rick. This week, we'll discuss the direction of the economy. Next week, we'll go deep on the housing market. But even our discussion on the economy today is probably going to be viewed through the lens of having real estate investors in mind. So this intelligence is fresh and it is timely here in fall of 2023. But even if you're listening to this, a decade from now, in 2033, you are going to get lessons for all time. It's the economy this week and the real estate market next week. It could be a day or two until we have today's episode on Get Rich Education YouTube. But you can watch us there as well if you want the visuals and charts that complement our discussion.   Keith Weinhold (00:10:19) - Many of the sources that he cites today will be from Trading economics in the US Bureau of Economic Analysis. What's the present and future of the economy, especially as it pertains to real estate investor interest with Rick and I straight ahead. I'm Keith Reinhold in this is get rich education. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They've provided our tribe with more lows than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's So start your prequalification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25.   Keith Weinhold (00:11:31) - K. You don't even need to be accredited. For some of them, it's all backed by real estate and I kind of love how the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660, and this isn't a solicitation If you want to invest where I do, just go ahead and text family to 66866. This is real estate investment cogeneration. Listen to get Rich education with Keith Reinhold and don't quit your day dream. And you're going to get a fantastic market update today. And you're also going to learn lessons even if you're consuming this 5 or 10 years from now. Our expert guest was first with us here six months ago. He's been the executive VP of markets at some of America's leading housing intelligence firms. He was twice named to the Inman News Inman 100 most influential real estate leaders.   Keith Weinhold (00:12:54) - He is one of the country's most frequently quoted sources on real estate, mortgage and foreclosure markets. You've seen him seemingly everywhere CNBC, CBS News, NBC News, CNN, ABC News, Fox, Bloomberg in NPR got about just every letter of the alphabet in there on that one. Today, he's the founder and CEO of J. Patrick Company. They're a market intelligence firm for the real estate and mortgage markets. He has 20 plus years of experience in those industries. Hey, welcome back to Rick Saga. Thank you for having me, Keith. Happy to be here. It's an interesting time. Rick. I think some people are rather confused because you have such unusually low housing supply still. You have higher mortgage rates and we're careful not to call them high mortgage rates because we know historically they're pretty normal. And you have what I would characterize is a rather distinct regional variation in home price appreciation. So we're going to get some clarity today from that confusion. Now, if you're listening on audio only, Rick will describe the charts in a way that gives you a good experience.   Keith Weinhold (00:14:03) - If you're watching this on YouTube, go ahead and give us a like. So we really anticipate, Rick, your take on both the broader economy first and then the real estate market. That's exactly what we're going to go over today. And before we get started, I think you said something I'd like to emphasize a little bit. And this is something we talked about. I believe the last time we chatted is I've been saying all along that we were not going to see a housing market crash. We were going to see a correction of sorts and that the correction was going to be very, very localized. That the results you see in coastal California, in the Pacific Northwest, in markets that were overpriced, like Boise and Salt Lake City and Phoenix and Austin, we're going to be very different than what you saw on the East Coast, particularly the southeastern states, places like Tennessee and Florida and the Carolinas and virtually everywhere else in Texas other than Austin. So it's really worked out that way. There are some markets where we're seeing double digit price declines and other markets where prices continue to go up.   Keith Weinhold (00:15:05) - And we'll get into the national trends in a minute. But thought that was a really important point. Keith Yeah, Thank you for adding that, at least for a while there. Rick. It was one of the most unusual home price appreciation maps I have ever seen. There were some exceptions, but generally the nation east of the Mississippi River, you had rising home prices and recently west of the Mississippi River, you had falling home prices like a river divided it. It was really weird. To your point, it's normalized a little bit. I live in California. Speaking of weird and the pricing out here, the month over month prices and year over year prices went down for the first time in quite a while for about four consecutive months before normalizing in July. Now, even within California, you see different price trends depending on where you are in the state. But the point is really important for investors to remember that you almost threw the national numbers out, that they're important from a trend perspective, but you really need to become an expert in whatever market you happen to be investing in because the local conditions really determine how successful you're going to be.   Keith Weinhold (00:16:09) - Like the national outdoor temperature average is pretty useless, almost somewhat like the national home price average is. I guess the national home price average Still has some meaning to it though. Yeah, and you don't find quite as much variation in home price trends as you do in temperatures, but your points well taken. And again, it's important to be looking for economic trends. It's important to be looking for housing market trends and the markets that you're interested in investing in because that makes all the difference. So we're just going to talk about the general economic landscape of the United States, and then we're going to pivot into real estate and just what's going on with the housing market and getting the latest there. Yeah, why don't we jump right into it at this point, Keith, We're going to do a fall update on the housing market for this year. We're going to take a look at the economy. We'll take a look at what's going on in housing. I have a few slides to share on what's going on to delinquencies and defaults because I know a lot of investors are interested in foreclosure properties.   Keith Weinhold (00:17:11) - And then we'll have some closing thoughts and then you can chat a little bit more about some of the observations we're making in the market today. Let's start talking about that economy, including that part where some people anymore, year after year, they're always predicting this recession that never quite seems to happen. Well, we have predictions of a recession that are very much like predictions of a housing crash. And if you keep predicting that terrible thing long enough, someday you'll probably be right. It'll be right eventually. Just like a broken clock is right. Broken clock. It's right twice a day. So the GDP, the gross domestic product is the way that that most economists measure the strength of the economy. And the second quarter, this number was just adjusted downward a little bit, but we still had over 2% growth for the second quarter of 2023. That was a higher number than most economists had forecast. It was certainly a higher number than what the Federal Reserve was expecting. But it really shows you the strength of the US consumer.   Keith Weinhold (00:18:09) - A lot of people probably don't realize that almost two thirds of the GDP is comprised of consumer spending. There's other factors that go into it business spending, government spending, productivity, trade and the like. But two thirds of it is consumer spending. So when you see the GDP showing strong numbers, it typically means that the consumer is doing pretty well. And that's an important consideration as we move forward. Yeah, that's right. One of those reasons consumers are spending is because we're in this economy where pretty much if you want to have a job, then you've got a job. Yeah. The headlines read about tech companies doing layoffs and mortgage companies doing layoffs. Bottom line is the most recent unemployment numbers we saw were 3.8%. I think we're getting a little spoiled by some of these low unemployment rates because people forget historically, anytime you were under 5% unemployment, it was considered full employment. And the fact of the matter is there's still more jobs open than there are people looking for work. There's about 9.5 million open jobs in about 6 million people who are looking for work.   Keith Weinhold (00:19:11) - So employers have to compete with each other for those employees. And so these low unemployment levels are actually one of the things that's causing wages to go up, which continues to stoke inflation when there are more open jobs than there even are workers that makes employers want to entice employees with higher pay. Yeah, they need to do that to keep employees on the payrolls and they need to do that to hire new employees. So whether you look at hourly wages, which at the moment are up around 28, $29 an hour, or you're looking at annual wage growth, which is running around 4 to 5% a year. Wages are very strong right now. And this is the first time, Keith, in many years that I've been able to tell people that wage growth actually is running higher than home price appreciation for well over a decade. We saw home prices appreciate much more rapidly than we saw wages. And this is the first time in a while where that situation has been reversed. That's a really interesting takeaway, Rick.   Keith Weinhold (00:20:16) - Wage growth that's outstripping home price growth and that's going to be important going forward because one of the big headwinds that the housing market faces today is affordability. Despite what we just talked about, home prices nationally are running at all time high levels. We're going to talk about the cost of financing be much higher than it was just a year ago. And wage growth is the one positive in that category. As wages continue to grow and if home prices settled out a little bit, affordability ultimately will be a little bit better for potential homebuyers. Average wages at 28 to $29 an hour, Americans are basically making a dollar every two minutes now yet could be worse. And that varies, again, market to market, shock to job, but it shows you what's going on on average, partly because of this, consumer spending continues to be very strong. But one of the the real unusual situations we're looking at today is that there's usually a direct correlation between consumer confidence and consumer spending. And the more confident consumers feel about things, the more willing they are to spend money, particularly on big ticket items like cars and houses.   Keith Weinhold (00:21:24) - And that was all true. And the correlation held true until we hit the pandemic. And as we started to come out of the first wave of Covid, you saw consumer confidence start to go up, but then it came back down as we had subsequent waves of Covid. Then we had the war in Ukraine that we had high inflation and all sorts of other odds and ends. And consumer confidence has really never recovered back to pre-pandemic levels while consumer spending has continued to go up. And part of that is pent up consumer demand. We still hear people talking about supply chain delays, trying to order appliances and the like and having to wait for months. Part of it is all the stimulus money that the government poured into the economy during the pandemic and probably overstimulated the economy to a certain extent. One of my economist friends refers to what the government did in terms of stimulus, is trying to stuff $15 trillion into a $3 trillion hole. And the numbers may be a little lost. But think the visuals is image is kind of good.   Keith Weinhold (00:22:25) - But this disconnect we're seeing between. How much money consumers are spending and their relative low confidence scores is a red flag of sorts in a couple of ways. It's a red flag, among other ways, in that if consumer confidence doesn't recover, consumers ultimately could pull back on spending, and that really could ultimately lead us into a recession. Consumer spending outpacing consumer confidence. There are other two other red flags with this consumer spending, and we'll cover them pretty quickly. What is that? Consumer credit card use is at an all time high in the last quarter. For the first time ever, consumer credit card use topped $1 trillion. And the concern here is that consumers in a high cost of living environment may be tapping into credit cards to make ends meet. That's not a good scenario and ultimately is not a scenario that would end well. So part of what we're seeing kind of backstopping or enabling consumer spending is an increased amount of credit card use. The other red flag, Keith, is that consumer personal savings rates have gone down below historic averages.   Keith Weinhold (00:23:33) - So we hit an all time high in savings rates during the pandemic when the government sent out stimulus checks and unemployment benefits were enhanced. And candidly, there wasn't a lot consumers could buy. So they socked away a lot of this money post-pandemic. We saw savings rates drop down to almost historically low levels and they haven't come back much up from that. So the two red flags that we really are looking at right now, that could be indicators of trouble ahead for the economy are record level credit card use and lower than average savings rates. And again, both of those suggest that families who are sort of on the margins financially might be tapping into credit cards, might be tapping into their savings to make ends meet. In fact, I read some recent research that suggests that on average, most households have higher credit card debt than they have savings. It's not a great scenario, and this is consistent with many sources citing the fact that between 60 and 70% of Americans live paycheck to paycheck. Yeah, and it almost doesn't matter how high that paycheck is, which is a little bit counterintuitive.   Keith Weinhold (00:24:43) - I remember doing an interview on CNN years ago when Evander Holyfield mansion was being foreclosed on. It was a $30 million mansion outside of Georgia with two bowling alleys, swimming pool, indoor boxing rinks, basketball courts, the whole nine yards. I had to explain to the reporter that just because you're wealthy doesn't mean you're not living paycheck to paycheck. It's just sometimes there's more zeros to the left of the decimal point. Their cost of living tends to be much higher. So expenses are keeping up with income. All right, Expenses keep up with income. What's been going on in terms of consumer spending, in terms of wage growth, in terms of the GDP being strong has all contributed to inflation. And we had the highest inflation rate in 40 years. Not too long ago, we were up over 9% inflation year over year. And the Federal Reserve has taken very aggressive actions to try and get inflation under control. The primary tool they use is raising the Fed funds rate, which is basically what sets the rates on all short term interest.   Keith Weinhold (00:25:44) - And they've raised it more rapidly and higher than it pretty much any time in history. If you go back to the 80s, they actually raised the Fed funds rate higher because inflation was completely out of control then, but not as quickly as they did this time. So typically what you see is something more like what the Fed did say back in the 2015, 2016 period, where inflation ticked up a little bit. So they raise the Fed funds rate a little and they waited a while to see what kind of impact it would have. Then they raise it a little bit more and it's kind of a step by step process until they feel that inflation is peaked and they can then drop off the Fed funds rate. This time they raised it at higher increments they'd ever done before and much more rapidly. The good news is it does seem to be having its effect. The most recent inflation numbers are around 3% year over year, which is close to the Fed's target rate of 2% year over year. And a lot of the inflation rate that is reported on is housing costs.   Keith Weinhold (00:26:42) - And most of the housing costs are actually rental rates or what the Fed refers to is the rental equivalency. If you have a mortgage. And what we have seen is rental rates have gone back down from ridiculously high, asking prices. A year or so ago, it wasn't unusual to see an asking rent 15% higher than the prior rent rate. And that's in a market where the usual increase is 1 to 4%. So it was just completely off the charts. Those numbers have all come back to normal. And in some markets, we're actually seeing slight declines in year over year rental asking prices. The reason the Ric is bringing rents into the inflation discussion here is because rent and something called owners equivalent rent are a substantial contributor to the. They comprise more than a third of the CPI basket. Exactly right, Keith. And thank you for reminding me why I started this dissertation. The fact is that that decrease in rental costs has not hit the Fed's inflation numbers yet. There's about a full year lag in the housing numbers that the Fed uses in its CPI analysis and what's going on in the real market.   Keith Weinhold (00:27:52) - So if the Federal Reserve does nothing else, these housing costs get caught up. We will see inflation come down a little bit more. A lot of us are hoping that the Fed is done with its increases because of what's happened historically. Historically speaking, if you go all the way back to World War Two, the Federal Reserve not counting this cycle, has raised the Fed funds rate 11 times to get inflation under control. Eight of those times it's waited a little bit too long or it's waited for inflation until inflation got too high and it was a little bit too sticky and they had to overcorrect. And that ultimately steered us into a recession. There were three times once in the 60s, once in the 80s and once in the 90s where the Fed acted proactively to try and get inflation under control. And in those three cases, they were able to steer us into a soft landing and avoid a recession. In this case, they've already admitted they waited too long. They admitted that inflation got much higher than they expected.   Keith Weinhold (00:28:48) - It certainly wasn't as transitory as they'd hoped. So the likelihood is that they've already overcorrected and we will see something of a recession. They may get lucky this time. They may have actually walked the tightrope correctly. And assuming they don't continue with this aggressive course of action, they may have actually managed to work us into a soft landing this time. Yeah, and that is a terrific history lesson that you gave us, Rick. I often like to tell my audience about when you want to predict the future direction of something. I'd like to take history over hunches. It's easy to have a hunch that something's going to go a certain direction. But you look at history. You talked about basically how the Fed was late to identify inflation because they had called it transitory for a while, so they started hiking too late. Now, maybe they've overhyped or maybe they haven't. But if they have, maybe they will need to lower them too quickly. If they don't have that desired soft landing. The economists that follow right now are split about 5050 on whether we'll actually see a recession coming out of this cycle.   Keith Weinhold (00:29:51) - It was more like 8020, looking for a recession just a few months ago. Right. The economy is slowing a little bit. The last jobs report had about 187,000 jobs created, which was a good number, but it was lower than what we've seen in recent reports. So the economy slowing down, but not going to full stop or going into negative terms is an indication that maybe we do escape a recession. Good news, by the way, is even if we do have a recession, the rest of the economic measures that you look at are also strong, that it's very likely it would be a very short and very mild recession, and unemployment probably wouldn't get over about four and a half or 5%. So that's something to keep in mind as you go forward. You talked about history, Keith. I big on that too, history as a predictor of what might happen. Yeah. The other thing that points to a recession is something called a yield curve inversion. And without getting too inside baseball on people, people track the yield on a ten year US Treasury and they track the yield on a two year US Treasury and typically your yield on a short investment like a two year Treasury is lower than your yield on a ten year or longer investment because there's more risk involved in the longer time period and so forth and so on.   Keith Weinhold (00:31:07) - Every now and then, the bond market senses a disruption in the force. Darth Vader is looming over the market and you see these things switch places and suddenly the yield on a ten year US Treasury is lower than the yield on a two year US Treasury, and that's called a yield curve inversion. Now yield curve inversion doesn't cause a recession, but the last seven times we've had one, it's correctly predicted that a recession was coming and this current period we're in is one of the longer and deeper inversions that we've ever seen. So again, if you look at history as a predictor of the future, this yield curve inversion points toward us having a recession at some point before we get through the cycle. And I know yield curves can confuse a lot of people. If you're the listener or the viewer here, make a very long term loan to a friend, well, you'd want to get compensated with a higher interest rate for that higher risk amount than if you made a short term loan to a friend and he was paying you back.   Keith Weinhold (00:32:04) - Tomorrow, you might not charge him much of any interest at all because there's more certainty that you're going to get paid back. But that condition has been inverted, where when you make the long loan to the buddy, you're compensated with a lower interest rate yield. That is what is known as a yield curve inversion. Yeah. And I think yield curve throws people off. If you just think of it in terms of the yields, that probably makes it simpler. But again, if you're looking at recession predictors, these are the two. That I typically look at. And that's kind of important to know if you're going to be investing in the housing market because recessions can have an impact on the housing market. Rick thinks there's a likelihood that the Fed has already overcorrected with too many interest rate increases. If we do have a recession, Rick believes that it's most likely to be mild without many layoffs. Rick and I, we actually seem to agree on a lot of things. We see a lot of things the same way.   Keith Weinhold (00:33:03) - Maybe it would be more interesting for you if we disagreed a bit more to stay up on the latest moves in the real estate market. You can follow Rick Saga on X, formerly known as Twitter. His handle there is simply Rick Saga. Well, Rick made a Darth Vader reference there. And, you know, much like the original Star Wars movie had the sequel, which was called The Empire Strikes Back. You know, that was one sequel that some people liked more than the original. And that is atypical because usually people like the original more. But The Empire Strikes Back was a fantastic sequel, and I think that could happen here next week. Rick and I are back together for part two of two, the sequel. We are probably going to analyze and break down the state of the housing market and the future of investment real estate. And we should go on for twice as long on that as we did for today on the economy. So therefore, next week is kind of like the Empire Strikes Back, although I don't expect that next week Darth Vader is going to cut off Luke Skywalker's hand like what happened in the movie.   Keith Weinhold (00:34:10) - That just wouldn't be proper. And we're clearly not into improprieties around here.   Darth Vader (00:34:18) - You are unwise to lower your defenses.   Keith Weinhold (00:34:23) - Oh, Luke lost his hand this week. Not next week. Well, that's not even the scene where Luke loses his hand, But, hey, that totally worked. So. Getting back to real estate here, you need properties to be an investor. The builders know that higher mortgage rates are a pain point for buyers. Our coaches and I hear a know it too. So we have. Yes. Rubbed salve on the wound 5.75% interest rates, 4.75% or even 2.99%. And at times you're going to have to use the builder's preferred lender in order to get those terms. But really some remarkable Bibles that we've negotiated for you. So take advantage of it since I don't know how long that is going to be around. In fact, I'll even bring up those rate by down terms to Rick Saga next week and get his take to help you out on the cash flow side. We also have access to properties that would make good mid term corporate rentals in the southeastern US midterm rentals.   Keith Weinhold (00:35:27) - They often have higher cash flow than a traditional long term unfurnished rental. For any and all of that, contact your investment coach, you're probably working with one by now. They'll help you shop the marketplace properties, tell you where the real deals are and tell you how to get those improbably low mortgage rates for income properties. Your coach guides you and makes it easy for you If you don't have an investment coach yet, just go to Marketplace. Com slash coach and they're there to help you out until next week I'm your host Keith Winfield. Don't quit your Adrian.   Speaker 4 (00:36:08) - 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 (00:36:36) - The preceding program was brought to you by your home for wealth building. Get rich education.