Podcasts about Weinhold

s sorgte 2024 für heiße Diskussionen – das Gebäude-Energie-Gesetzt (kurz GEG) oder besser bekannt als das „Heizungsgesetz“. Es herrschte große Unsicherheit was nun auf Hausbauer und -besitzer zukommt. Dabei trat das GEG erstmals 2020 in Kraft. Doch wie hat sich der Markt für Wärmepumpen, die als Hauptprofiteur des GEG gelten, in den vergangenen Jahren entwickelt. Dieser und weiterer Fragen geht der ES im Interview mit Frau Weinhold, Pressesprecherin des Bundesverbandes Wärmepumpen e.V. (BWP) und Geschäftsführerin der BWP Marketing & Service GmbH, auf den Grund.

Beyond The Beach ist zurück mit Staffel 3! In der ersten Folge sprechen Gerwin und Lenny Weinhold über alles, was 2025 in der Surf-Welt passieren wird. Warum gibt es einen Riversurf-Contest in Bali? Welche neuen Wavepools werden eröffnen? Und wer sind die heißesten und vielversprechendsten Surfer in der WSL? Freut euch auf spannende Insights, Insider-Talk und jede Menge Surf-Vibes. Viel Spaß bei der ersten Folge der neuen Staffel!

Keith discusses the pros and cons of investing in single-family rentals versus apartment buildings. He highlights that less than 10% of U.S. building materials are imported, reducing the impact of tariffs. Single-family rentals offer better tenant quality, lower vacancy rates, and higher appreciation potential. They also have lower financing costs and are more divisible.  Conversely, apartment buildings offer economies of scale and lower per-unit maintenance costs. He emphasizes the importance of owning more property, especially new-builds, which offer lower insurance premiums and attractive financing options Work with expert investment coaches to find the best off-market deals and maximize your returns.  GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/535 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, talking about how most home building materials are US sourced and not affected by tariffs, the little understood pros and cons of investing in apartment buildings versus single family rental homes, then what really makes sense to invest in in this particular era and more today on Get Rich Education.   Speaker 1  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome GRE from Tallahassee, Florida to Waxahachie, Texas and across 188 nations worldwide. I'm Keith Weinhold, and you are inside, G, R, E, we are here for you every Monday, without fail, 52 weeks a year, and we have never replayed an old episode either, always original content. Thanks for being here, but you're not here for me. You are here for you as another year dawns before we get into the meaty real estate content of today's show, including single family rentals versus apartments. Take a moment to check in with your own goals. Maybe you think about that is just buying your first investment property, or maybe you own 83 rental units, and you're looking to get to 100 this year. But no matter really real estate is just the fuel for your goal. It's probably not the end goal itself is your goal to have the time freedom to watch all of your kids basketball games this year. What about beyond this year? Are you really dreaming big enough you've got to question yourself on that sometimes, for example, forget flying first class. What if you want to own your own private jet, like Taylor Swift's luxurious Dassault 7x jet for $54 million? how about real estate fueling a dream that's even bigger than that? Yet, last month, the Philadelphia Eagles received the NFL approval for the sale of an 8% interest of the team to two different family investors. Okay, do you find say that interesting owning part of a major pro sports team. And by the way, what would something like that look like for you? I mean, do you even have the headspace to conceive of such a thing? It's good to ask yourself questions like this. Sometimes that sale was based on a valuation of the team of up to $8.3 billion and yet, after all that, the Eagles owner Jeffrey Lurie, he still maintains complete control of the team. Okay, so if each of the two family investors got a 4% interest at this valuation, that is up to a $332 million investment for each family. Maybe that could be a Weinhold the family goal. We'll see about that one. And you know, when it comes to making yourself a bigger you and dreaming a bigger dream, I like to listen to what the doers say. I found it so interesting in a Jeff Bezos interview at the deal book Summit, Bezos said it's human nature to overestimate risk and underestimate opportunity. Bezos also said entrepreneurs would be well advised to try and bias against that piece of human nature, the risks are probably not as big as you perceive, and the opportunities may be bigger than you perceive. That's the end of what bezel said. I really think that that's spot on stuff. now two weeks ago, when I gave GREs national home price appreciation forecast for this year. You might remember that I said that potential Trump tariffs just don't matter as much as people think when it comes to real estate. And understanding more about why I say this, it can help you understand real estate materials and sourcing and home building in the United States, America's overwhelming majority of sourced building materials are not imported, so therefore something like a supply chain bottleneck that's more worth watching, really. It's a huge misunderstanding of the home building market to assume that most building materials come from overseas. They do not, not even 10% of residential construction building materials are imported. The National Association of Home Builders will tell you so. And really, the majority of those few imports that do come from elsewhere, they come from, Canada in the form of timber. You might have heard about that before. Now, there are some things like finishes and fixtures that get sourced from, oh, various other countries, but yeah, the biggest potential tariff expense impacting home builders would come from enacting a cost on Canadian lumber. But I and a lot of economists as well, they're pretty skeptical that the administration would really enact a tariff on a close ally like that, on Canada's raw materials. In fact, Chief Economist Lawrence Yoon of the NAR he conceded that even potential lumber tariffs, they might be given a phasing in period, and that would encourage American timber mills to fill in any production gap. It's also important to you know, remember that doors, windows, cabinets that builders utilize, they are typically produced within us, borders. Windows, doors, cabinets made domestically, unless it's something that relies on raw materials that are imported, they ought to be little affected by tariffs. One example is that kitchen sinks now they largely went from being sourced in China, then Malaysia, then Indonesia, and one main customer is now talking about sourcing them out of Mexico or the Dominican Republic. So there are a few things that less than 10% that's imported. Another imported item is flooring, which moved away from China, went to India for a while, went a little bit back to Brazil, and now more is being sourced by Ecuador. But the important thing to remember is that these are outlier components. Not even 10% of residential construction building materials are imported. That's what you want to remember, concrete, us, rebar, us. So you know, as a real estate investor, you can feel good that as your portfolio grows, each one of your properties was chiefly built with us, labor that you already knew, but it is also built predominantly with us, materials as well. How likely are single family rental investors to say that they want to buy more investment property this year. Well, year ago, 60% of them said that. Today it is up to 76% yes, that many say that they are either likely or very likely to buy single family rental property in the next 12 months, and that same group that was surveyed is also unlikely to sell their property, and they also said that they are more likely to raise the single family rent this year. And all this is according to a joint lending one resi club survey. However, most fall in the range of raising the rent between just 1% and 6% this year, so pretty modest rent increases. In fact, in every region of the US, the majority of single family rental investors describe their rental market as either strong or very strong. But can you guess the weakest region? Okay, this region is the one that still has a majority of landlords that say that their market is strong, but yet the weakest of them all is the South West, and that is largely due to over building and in the survey, what expense increased the most the past 12 months? Well, number one is that 37% of respondents these landlords said it is still insurance premiums. Second place was that 23% say property taxes are increasing the most. And then third was. And 21% say that maintenance and repair costs have increased the most for them. So the top three expenses cited expense increases that is in order, are insurance, property tax, and then maintenance and repairs. And a few weeks ago, I discussed with you, you might remember about how upgrading or remodeling a unit that helps you in at least five different ways simultaneously. Let me talk about this, since I touched on raising the rent and a little comprehension test here. Do you remember what those five ways are? the five ways your help by upgrading or remodeling a unit. And no, these are not the famed real estate pays five ways when you upgrade a vacant unit for rent, or at times, you can even actually upgrade a unit while the tenant is still occupying the property, if it's not a disruptive upgrade type. Okay, I mean, sometimes that tenant can be appreciative that they're getting an upgrade while they live there, but the five ways that upgrading a unit helps you are, first, well, obviously it helps you be able to get more rent in cash flow. Secondly, you tend to attract a higher quality tenant. And then in a five plus unit apartment building, it also increases your noi, therefore a greater overall property value. Fourth is pride of ownership. And then fifth is that higher rents help you offset those erstwhile higher operating expenses.    And here's the thing, when you get free help from one of our GRE investment coaches, like you can do at GRE marketplace.com those properties are either already extensively renovated or they are completely brand new build. So because of that fact, this means that from day one, your rent income is already optimized. You already have the best chance of landing a quality tenant, and you get some sense of having a pride of ownership. And all of those things, they're already optimized for you. You don't have to tinker with anything else, because those GRE marketplace properties, more than 95% of them are either renovated or new build. I would say, using properties conducive to the BRRRR method, they would be the few exceptions there and on GRE marketplace, you can find lower cost renovated single family homes, up to million dollar apartment buildings, either new or renovated. And another pro tip here to help you with something actionable in a premium place to source your growing income property portfolio. You've heard me mention them before, is mid south home buyers, but I'll tell you more about what's going on with them. Yeah, they're an especially good place to add your portfolio if you either haven't invested outside of your home market before, or you don't have as much liquidity right now, because their prices are just 100 to 180k they are still in that range. And yes, that 100 to 180k that is indeed the entire capital price for the asset. So that means down payment and closing costs being about 25% therefore it's just 25k to 45k Yes, you can still get started for that little with a wonderfully renovated property in either Memphis or Little Rock. Those are the two markets where mid south home buyers operates, and they are some of the most investor advantage markets in the entire nation. And then the US is one of the most investor advantage markets in the world. And last month, I met and spoke with a 19 year old guy that lives in Dallas, and he just bought his first ever investment property from mid south home buyers in Memphis. And in fact, it was his goal to have his first income producing property at age 18, and he bought it the day before he turned 19, so he barely met that goal. But yeah, they are total pros at mid south they've been doing it for over two decades. They say that they are the nation's highest rated turnkey property provider. They might even be the first provider in the nation, if you like. They also manage the property for you, and their property managers are really aware that their investors, like you, seek a return on investment, so they often have a line a waiting list. To get their properties. Last I checked the line at mid south had shortened globally attractive cash flows an A plus rating with a better business bureau, and they've now renovated over 5000 houses. And over there, they do a lot of things with their management that you just wish every provider would do, there is zero markup on maintenance. Their average occupancy rate is almost 99% average renter stays more than three and a half years. And you know that three and a half years, that duration of tenancy that could be poised to go even higher now, with the affordability crisis for these want to be first time homebuyers now, most of what mid south has are single family rentals, quite a few duplexes too. Every home has brand new components, a full one year warranty, bumper to bumper, new 30 year roofs. And then the really important part expect a high quality renter that they screen and find in place for you. So let me give you an example of two real properties. And now, if these two aren't under contract already, they probably soon will be, since I'm mentioning them. And of course, duplexes cost more than single family rentals. This duplex is in Jacksonville, Arkansas. It's just northeast of Little Rock. It is 913 and 915 Ruth Ann drive, the combined rent from both sides is $1,775 the all in cost is about 210k 2099, in total, it's 1600 square feet. So 800 square feet each side, it's two bed, one bath each side. The Property taxes are really low, $1,300 a year, really nicely renovated with good quality materials. I mean, I love owning properties like this all day. So that's a duplex in the Little Rock market. Another one from mid south is this, Memphis single family rental. The address is 400 Bonita drive. It is $1,200 rent on a $148,100 purchase price. Gosh, those numbers work. This single family rental is three bed one and a half bath, 1164 square feet. Gosh. Again, low property tax in these regions, just $1,120 annually. All right, so that property tax rate is just three quarters of 1% of the purchase price. So really low on a national basis, a big backyard, eat in kitchen, separate laundry room, walking distance to schools. I mean, this is the type of property a tenant family could live in for five or 10 years, beautifully renovated. And I'm bringing these up because these are all at prices that Metro New Yorkers or coastal Californians can barely believe. So each property has hundreds of dollars of projected positive monthly cash flow. Each one increases your income 2000 to $5,000 per year. And I have personally toured mid south home buyers office in Memphis and their properties in person in Memphis. And I've seen their properties in each stage. I walked a tear down that they were doing, and I saw all the debris in the backyard. And I have seen their hardwood floors shine inside newly renovated property that I walked with both Terry and Liz from over there at Mid South. She is a pretty popular and extremely knowledgeable woman there. Liz, you can ask for her or one of her team members about getting on the list over there. Yes, these are 100k to 180k already renovated. Yes, that's truly the all in price, and they are in decent, working class pride of ownership neighborhoods in Memphis, Tennessee and Little Rock, Arkansas. And a lot of people get their start in investing there, I suspect it's now in the hundreds, with the number of GRE listeners that have bought from them. But even veteran investors, with dozens of units, they scoop up properties from them due to the low prices, some even pay gasp, all cash, yes, no leverage for them. And mid south homebuyers has investor tours monthly, where they load everyone on a bus, and you can check out the properties, because they are really proud of what they offer there coming up next, I'm comparing single family rental investments to apartments. But yeah, right there. That was a pro tip that really ought to help you out. Expect cash flow from day one. A 19 year old is doing it. You can start yourself at mid south homebuyers.com. More next. I'm Keith Weinhold. You're listening to get rich education.    Oh geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know because I'm an investor in this myself, earn 10% like me and GRE listeners are. Text family to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866.    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 420056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Kathy Fettke  21:55   you this is the real wealth network's Kathy Fettke, and you are listening to The always valuable get rich education with Keith Weinhold.   Keith Weinhold  22:12   Keith, welcome back for the 535th week in a row you are listening to get rich Education. I'm your host, Keith Weinhold, and I'm really grateful to have you here if you self manage your properties. One software that can really simplify your life is called Hemlane, H, E, M, as in Mary, l, a, n, e, Hemlane. You might have heard about it before. I now know quite a few people that use it. It's been getting some really good reviews. You can manage your properties from anywhere, even through your phone. And Hemlane has got some really good integrations, and now it's more than just investors like you that are using it. Agents and property managers are using Hemlane too, from advertising to tenant screening to maintenance and repair and accounting, and I just learned that they recently got all of the state specific lease agreements integrated on their platform as well. That's why it was on top of mind. If you prefer to self manage and you want to make it easier, what you can do is book a free demo and they show you how it works. Over there, it's just hemlane.com where you can do that if you like. Let them know that I told you about it.    Before I share something else actionable with you, let's do some learning and talk about apartment buildings and single family rental properties, and compare the two, some pros and cons of each. And perhaps the most obvious advantage of apartment buildings is their economies of scale. A 12 unit apartment only has one roof to maintain and one insurance policy to maintain. Another efficiency is that shared common areas and plumbing and HVAC systems that can lower your individual maintenance costs on a per unit basis as well in those apartments. And right now, at this time in the mid 2020s, decade, another advantage of apartments is that this time in the cycle is where values are just about bottoming out. Apartment buildings in a lot of national regions have fallen 20% fallen, 25% or even fallen 30% or more from their highs that were seen two to three years ago, and that's due to those higher interest rates. And the reason that this is an advantage for apartments is that you might be able to buy low, buy the dip, apartment cap rate. Have settled in the mid five range. Now, well located Class A has dropped back into the fours. Long time investors already know about some of the advantages, but you know, even some long time investors, they often overlook some of the advantages that single family rental properties have over apartments. So let me share some of those with you. Now, as you know, I started off with my first two investment properties, both being four Plex buildings, and then after that, I added larger apartment buildings and single family rental properties, and I still do buy and own single family rentals. So let me tell you about why I love them. They might have the best risk adjusted return anywhere even after 2008 great recession. Those that bought single families for cash flow persevered with single families. You get a better quality of tenant than you do in apartments. They take care of the premises. They tend to be in a better neighborhood. Single families tend to appreciate better over time, and are also more likely to be in a better school district. Single families have a retention advantage. Tenants stay longer, and that creates less vacancy and expense, and the reason that they do stay longer are those aforementioned neighborhood and school district characteristics, common areas. You know, single family rentals, they don't have any common areas that you have to clean and maintain. I think I pointed that out to you before, because that's like an overlooked profit drag that I missed when I bought my first larger apartment building. Yeah, apartments have hallways and stairs and laundry rooms and commonal door grounds that a custodian has got to service. Single families have an advantage when it comes to utility payments, because tenants often pay all of the utilities and they even care for the lawn. The larger the apartment building is, the more likely that you are going to be the one paying the utility costs. Then there's divisibility. What if you've got a property that's underperforming out there and it just isn't meeting your expectations? Well, if you had, say, 10 single family rental homes, you can sell off the one or the two that aren't performing, but yet, with a 10 unit apartment building, you've either got to keep them all or sell them all. It is not divisible. What about fire and pestilence, something a lot of people don't talk about? I mean fire and pests. They are more easily controlled in single family rentals, even if you're adequately insured, these conditions often affect multiple units and families. They can spread in an apartment building. Financing is a huge one income single family homes, they have both lower mortgage interest rates than apartments and typically lower down payment requirements than apartments. I think you already know you can secure 10 single family rental loans, single 20 if you're married at the best rates and terms through Fannie Mae and Freddie Mac with just 20% down payments, you can even go less than 20% on non owner occupied in some cases, but apartments rarely, if ever, have 30 year fixed rate terms like single family rentals do, and this right here in particular, that really started bringing down a lot of apartment investors, beginning in 2022 and 2023 when their interest rates reset much higher, doubling, or even more than doubling. How about vacancy rate? It is true that if your single family is vacant, then your vacancy rates 100% if your say four Plex has one vacancy, well then your vacancy rates only 25% but yeah, the same is true if you own four single family rentals and one is vacant. How about management? If you hire professional management, your manager would likely rather deal with higher quality, single family residence. And if you're self managing, this is a demographic of people that you would likely rather handle yourself. Then there's supply and demand, there just absolutely still are not enough low cost, single families that make the best rentals nationally, demand still exceeds supply. That's the opposite condition for apartments, and this is something that's going to continue in the short and the medium term market risk that is an overlooked criterion. You've got to keep your properties filled with rent paying tenants that have jobs. If you think you'll be able to buy 10 rental units in the near future, well, your 10 unit apartment building that's only going to be in one location, and that's going to leave you exposed to just one geography's economic fortunes. But if you have 10 single families, you could have four of them in Central Florida, three of them in Fort Worth Texas, and three of them in Memphis. And you got to think about exit strategy. A lot of people don't think about this. Think about the exit before you even get in, because years down the road, when it's time to sell your income property, hopefully, after you've had years of handsome profits, and real estate pays five ways and all of that, you know what? Down the road, there is going to be a greater buyer pool for your single family rental than your apartment building. In almost every case, more buyers can afford the lower price, and unlike apartments, you even have access to a pool of buyers that might want to occupy the single family rental themselves. It might even be your current tenant that buys it, but the market and the numbers have to make sense for someone to want to buy an apartment building, but if an owner occupant buys it from you, that family doesn't have to have any numbers that make sense. So your single family rental is more liquid on your exit and professional management, that's another reason that single families can make sense. Because see single family rentals, they can be spread all over a metro area diffusely, and if you self manage, that is a lot of little trips that can get to be a hassle. But if you use a pro manager, well, they're the ones that have to manage the scattered sites. And a lot of times, managers don't charge you much more to handle your single families than they do your apartment buildings. So right now, there were a ton of advantages, a good 15 or 20 advantages there that single family rentals have over apartment buildings. And it's important I discuss them, because there are a lot of investors that don't factor all of those in. Even veteran investors tend to overlook some of those things. Again, I really like apartment buildings as well. They could very well be my second favorite investment to single family rentals, and I would like to now, with that understanding, really say something that I probably don't say quite often enough if you want to benefit from all these wealth building forces here that I've talked to on the show for for more than 10 years. You need to own more property, or get started with your first property.   Now I've already given you one great resource for that. And yes, what do they say? The turtle never got ahead until he stuck his neck out. Now the uncertainty, I mean uncertainty. That's just that condition that never completely abates. But in a sense, I think you can say today that the future is already here because we've got substantially more economic certainty and political certainty than we have had in recent years. The presidency was decided peacefully. Recession fears have abated. The Fed after screwing up with high inflation a few years ago, they have now engineered a soft landing, meaning lower inflation with still high employment. So now is a good time. What about real estate prices? I'll tell you something about that all of my investor life, every single property that I've ever bought, without exception, it felt aggressively priced at the time, and then, typically, it always happens when as little as one year or two years goes by, it already looked like a good decision. And I'd like to encourage you to do something else in this era, if you can swing it, buy new build property. That's something that wasn't always true. They do cost more. It's probably going to be 300k plus for a new build rental, single family home, but either way, be sure to own more property, existing or new benefit from what we talk about now. In some parts of the nation, including Florida, builders built a few too many properties, and they are willing to give you a discount for that. They might even cut the price a little and give you a rate discount, buying down discount points for you so that you can get a mortgage loan interest rate in the fives or even in the fours on new build income property right now in a volatile insurance market, new builds also have some super low insurance premiums because the property is built to today's more stringent codes. I mean, a. Just put an example out here. If you say, buy 10 rental, single family homes for $3 million total, 10 properties, 300k each. Okay, it's just 5% appreciation, which is what I projected for this year in our home price appreciation forecast. Two weeks ago, on $3 million worth of property, that's 150k per year, every year growing that you can pull out of the properties completely tax free. But to get that 150k per year tax free, you would have only had to make a 750k down payment and closing costs 25% on this that's not even counting the cash flow that the properties generate, plus your loan, of course, is simultaneously being paid down by tenants. And on top of that, inflation would just relentlessly debase your two and a quarter million dollars of fixed rate debt. Yes, all while the appreciation and the cash flow occurs, inflation debases your debt by another $67,500 every single year, and your tenant pays down some more principal on top of that. And then there are the other tax benefits too. And this is where you are massively getting ahead. All right, that was a $3 million portfolio, but if you can only do 1/10 of that own, just say one more new build, 300k single family rental, then you get 1/10 of those benefits that I mentioned, and either way, a total return on investment of 30% or more annually that is achievable. It's actually even conservative. I mean, just with the 5% appreciation, with four to one leverage, that's a 20% return just on the appreciation component alone.    And our GRE investment coaches can make this real for you. They can talk to you about these properties and others, including those mortgage rate buy downs into the fives and the fours properties in investor advantage markets in Ohio, Indiana, Illinois, Pennsylvania, Georgia, Oklahoma, Texas, Florida, Alabama, Mississippi, Tennessee, Arkansas and some others. In fact, let me give you two examples of what our investment coaches can help you with right now. This is pretty fun, actually, as I talk about these properties, because you might even end up owning the ones that I discuss right here on the show. The first of two is a brand new build, single family in Palma Coast, Florida. Gosh, it's a ranch home. Really good looking. Two car garage, is what I'm looking at here. It's 1200 square feet, three, bed, two, bath. It's called the Bing model, and it's got the type of layout that tenants really want today. I mean, your resident could stay there for a long time. $2,100, in rent for a purchase price of $289,900 I mean those numbers, along with the mortgage rate buy down to four and a half percent, plus new build insurance premiums that are going to be low. That really works today. That is really attractive there in Palm Coast, Florida. And the last one I'll mention is an older single family rental in Canton, Ohio. Yes, that's the home of the Pro Football Hall of Fame. The address is 2422 6th Street, Northwest in Canton. Rent of 1225, and a purchase price of just $135,000 The size is 1036 square feet, and it is four beds, one and a half baths. The renovations really look quite good. As you recall, those benefits of buying property that's already renovated, like I discussed earlier, all for 135k in today's market. So these properties and so many more like them, that's what our investment coaches can help you with. Their service is always completely free, but first what they do is they learn a little about you, and they can then put together an entire investment real estate portfolio for you, if you like. So they'll assess and evaluate what you've got, where you want to go, what property types are conducive to aligning with your strategy, and are there any best geographies for you? And more. So it's really important to stay in touch with your coach. I mean, we might find out, for example, tomorrow, that a home builder that we work with decided to offer some massive mortgage rate buy down incentives for you because, say, they built too much. So I really encourage you to set up that touch point for the first time, or to stay in touch and see what's happening, free coaching off market opportunities, and it's easy to set up a short meeting over the phone or on zoom with an investment coach. You can do that at GRE marketplace. It really can be quite a life changing venture for you from GRE marketplace.com just click on the coaching area until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  40:49   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  41:09   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

Diese Woche ist Lenny Weinhold wieder zu Gast im Podcast! Wir sprechen darüber, wie die letzten Contests für ihn gelaufen sind und was mental bei der Deutschen Meisterschaft los war. Lenny erzählt, wie es ihm während des Wettkampfs ergangen ist und was seine größten Herausforderungen waren. Zum Schluss wird es spannend: Lenny und Gerwin liefern sich eine hitzige Diskussion über die Judging-Kriterien und die Rolle der Surftechnik im Wettkampf. Viel Spaß bei der Folge! Yeeew! Außerdem gibt es hier die Links zu unserem Community Trip gemeinsam mit uns in Ericeira vom 23.3-30.3.  Stay Only: 399€  ⁠⁠⁠⁠https://tinyurl.com/nhjmcb52⁠⁠⁠⁠ Guiding Package: 599€ ⁠⁠⁠⁠https://tinyurl.com/59xe2pc7⁠⁠⁠⁠ Surf Camp inkl. Surf Kurse: 525€  ⁠⁠⁠⁠https://tinyurl.com/yy2um6y9⁠⁠⁠⁠ Camp:  ⁠⁠⁠⁠https://www.lapoint.de/surfcamp/portugal/ericeira/⁠⁠⁠⁠ Mehr Infos hier: Stay Only:  Need to bring your own surf equipment 7 nights accommodation in basic dorm *possible to upgrade for an additional fee# 7 breakfasts & 5 dinners No surf package included in stay only.  Possible to rent gear We recommend this package if you are an independent surfer and know the spots  An instant crew of good people and new surf buddies Guiding Package:  Need to bring your own surf equipment.         A minimum of 600 hours of surf experience 7 nights accommodation in basic dorm *possible to upgrade for an additional fe 7 breakfasts & 5 dinners 5 days surf guiding with 2 sessions per day Daily spot and condition briefing Transport to the surf spots - no rental car needed 3 video sessions Access to our local knowledge with an experienced local guide An instant crew of good people and new surf buddies   Surfcamp Package:  Level 1 0 - 4 h experience Level 2 10 h+ experience Level 3 60 h+  experience 7 nights accommodation in basic dorm *possible to upgrade for an additional fee 7 breakfasts & 5 dinners 5 surf lessons x 2 hours L1, L2 or L3 6 days free use of surf equipment subjected to surf conditions Surf theory Walk or transport (depending on surf location) to surf lessons 1 video analysis session (level 3 only) Try out different boards Danke an alle Supporter :) Mehr Supporten könnt ihr hier:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/surftalkpodcast ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Spare 10% auf alles außer Surfboards bei delight-alliance.com Code Surftalk10 IMPROVE YOUR SURFING HERE: Surf Companions: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://surfcompanions.com/?ref=S4UYHSas ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Spare 10% auf Salzwasser mit unserem Code: SURFTALK10AMB⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://salzwasser.eu/?ref=surftalkpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Socials:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Surftalkpodcast ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@hansmaxx⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@lubkepaul⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Support kommt von:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@polyola⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@salzwasser⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@delightalliance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Die Themen im heutigen Versicherungsfunk Update sind: Janitos bekommt neuen Finanzvorstand Zum 1. Oktober 2024 soll Frank Bettermann zum Finanzvorstand der Janitos AG berufen werden. Er folgt auf Nina Duft, die auf eigenen Wunsch und im besten beiderseitigen Einvernehmen zum Ende November aus dem Vorstand ausscheidet, um sich einer neuen Herausforderung in der Nähe ihrer Heimatstadt Bad Homburg zu widmen. Überdies werde Simon Röwer zum 1. Januar 2025 die Nachfolge von Max Weinhold als Vorstand der Gothaer Vertriebs-Service AG und als Leiter des Bereichs Partnervertrieb Komposit antreten. Weinhold hat sich entschieden, eine andere unternehmerische Verantwortung in der Branche zu übernehmen. Ebenfalls zum 1. Januar 2025 soll Emanuel Bächli die Leitung des Bereichs Komposit Privatkunden übernehmen. Differenz zwischen Sparbuch- sowie Fonds-Besitz wird kleiner Mit 43 Prozent bleibt das Sparbuch weiter Spitzenreiter bei den Anlegern, Tages- und Festgeld kommen auf 41 Prozent Verbreitung, Investmentfonds und ETFs folgen mit immerhin 32 Prozent, vor Lebens- und Rentenversicherungen mit 30 Prozent. Die Differenz zwischen Sparbuch- sowie Investmentfonds-/ETF-Besitz liegt 2024 somit bei nur noch 11 Prozentpunkten. 2022 betrug der Unterschied noch 27 Prozentpunkte. Das zeigt das "Finanzbarometer 2024" von J.P. Morgan Asset Management. Verbraucherschützer warnen vor Lebensversicherung Die Finanzaufsicht Bafin hat die deutschen Lebensversicherer unter anderem wegen hoher Kosten bei ihren Produkten ermahnt. Der Bund der Versicherten sieht das als Anlass vor dem Abschluss von Lebensversicherungen zu warnen. „Eine kapitalbildende Lebensversicherung abzuschließen, ist ein Fehler. Denn davon profitieren letztlich nur der Vertrieb und die Versicherer“, sagt BdV-Vorständin Bianca Boss. „Versicherte merken meist leider zu spät, dass sie bei diesem Produkt nur draufzahlen.“. Aber auch fondsgebundene Lebens- und Rentenversicherungen seien für die Altersvorsorge ungeeignet, so die Verbraucherschützer. Versicherungskammer erwirbt Anteil an Amprion Die Versicherungskammer hat von der Pensionskasse Degussa VVaG einen Anteil an der M 31 Beteiligungsgesellschaft mbH & Co. Energie KG (M 31) erworben und damit einen indirekten Anteil von 2,1 Prozent an der Amprion GmbH. Der Versicherer wird damit Minderheits-Eigentümer des Betreibers des zweitgrößten deutschen Stromübertragungsnetzes und verpflichtet sich, neben den direkten Anteilen auch die auf den Anteil entfallenden Eigenkapitalzuführungen der Pensionskasse Degussa für die Jahre 2024 und 2025 zu übernehmen. FondsKonzept stellt Jahresabschluss für 2023 fest Die Hauptversammlung der FondsKonzept AG hat den Konzernabschluss für das Jahr 2023 festgestellt. Demnach wuchsen die administrierten Bestände im Jahr 2023 um elf Prozent auf 16,1 Milliarden Euro. Der Konzernjahresüberschuss nach Steuern inklusive Anteile Dritter erreichte 2,93 Millionen Euro, gegenüber dem Vorjahr mit 2,48 Millionen Euro ein zweistelliger Anstieg von 18 Prozent. W&W mit negativem IFRS-Konzernergebnis Die Wüstenrot & Württembergische-Gruppe (W&W) hat im ersten Halbjahr 2024 in vielen Bereichen und wesentliche Bestandsgrößen gute Zahlen geliefert. So konnte beispielsweise das Kreditneugeschäft im gegenüber dem Vorjahreszeitraum um 18,4 Prozent gesteigert werden. Dennoch belief sich das IFRS-Konzernergebnis im ersten Halbjahr auf -14 Millionen Euro. Die Ertragsentwicklung sei von massiven Schadenbelastungen durch zahlreiche Unwetter beeinträchtigt worden. Im vergangenen Jahr stand hier noch ein Plus von 181 Millionen Euro. Inzwischen hat der Konzern die Ergebniserwartung für das Gesamtjahr 2024 angepasst.

Marvin Weinhold ist Trainer im Leistungssport Klettern und hat in den letzten Jahren mit Kindern und Jugendlichen trainiert. Er war Landestrainer für den DAV Kader in Sachsen und Stützpunkttrainer in Potsdam. In seiner Jugend war er selbst im Leistungssport Klettern unterwegs. Somit kennt er das Wettkampfklettern und das Training aus verschiedenen Perspektiven. Aktuell betreut er eher erwachsene Kunden, die ihr Klettern verbessern wollen. Außerdem hat er einen eigenen Podcast zu Trainingsthemen, der heißt “Klettern - einfach festhalten.” (Hört mal rein!) In unserem Podcastinterview sprechen wir über seine Erfahrungen im Leistungssport Klettern, über die Strukturen im Leistungssport des DAV und über die Schwierigkeiten, auf die man in der Arbeit als Trainer stoßen kann. Im zweiten Teil des Gesprächs spricht Marvin die für ihn wichtigsten Punkte an, auf die man im Leistungssport Klettern achten sollte, um Kinder und Jugendliche gesund und erfolgreich zu trainieren. Wichtiger Hinweis: Marvin spricht einige kritische Punkte an, bezüglich der Kader-Strukturen des DAV und der Trainer-Ausbildung. Bitte hört die Folge bis zum Ende an. Ich habe den DAV gebeten, zu diesen Punkten Stellung zu nehmen. Am Ende hört ihr, was der DAV zu diesen Punkten sagt. Außerdem ist ein Folge-Interview in Planung, mit einem Mitglied des DAV Bundestrainer-Teams. Viel Spaß mit dem Interview mit Marvin! SHOWNOTES: Zur Webseite und zum Podcast von Marvin Weinhold https://einfachfesthalten.de/ Zum Instagram und Podcast-Profil von Marvin Weinhold https://www.instagram.com/klettern.einfachfesthalten/ Magst du mich bei meiner Podcast-Arbeit unterstützen? Damit ich meine Arbeit machen kann gibt es auf der Plattform Steady ein Crowdfunding: https://steadyhq.com/de/binwegbouldern Oder hol dir ein BIN WEG BOULDERN Shirt / Hoodies uvm.: https://binwegbouldern.de/bwb_shop#!/

Die Journalistin Johanna Weinhold zieht mit ihrer Familie aus Leipzig ins Erzgebirge. Aus der Großstadt mit hohem Grünen-Wähler-Anteil geht es für sie dahin, wo die AfD besonders stark ist. Dort will Weinhold leben - und sie will sich Fragen stellen, die uns alle betreffen: Was beschäftigt die Menschen auf dem Dorf - und wieso wissen die aus der Stadt so wenig darüber? Warum gehen wir so unverzeihlich mit Fehlern anderer um? Wieso ist es so schwer geworden, vorurteilsfrei miteinander zu reden? Und warum unterscheiden sich die Vorstellungen von guter Politik in Großstadt und Dorf so sehr? Gerade in Sachsen, gerade in diesen aufgerauten Zeiten? Und je länger Weinhold im Erzgebirge lebt, desto deutlicher wird: Die Geschichte vom Umzug ihrer Familie wird nicht so ausgehen, wie sie es sich gewünscht hätte. „Allein unter Sachsen“ - der neue Podcast der Leipziger Volkszeitung und vom Redaktionsnetzwerk Deutschland. Ab 5. Juni hier, unter lvz.de/dorf und rnd.de/dorf. Autorin: Johanna Weinhold Co-Autorin und redaktionelle Betreuung: Denise Peikert Sound und Produktion: Nicole Grziwa Unterstützung des Projekts: Marvin Standke Redaktionelle Koordination: Robert Nößler Marketing: Alexandra Grothe und Jana Nicole Friedrichs Musik im Trailer - in der Reihenfolge: Tamuz Dekel - Little Fire Rocco Löser - Mia sei Arzgebirger We Dream Of Eden - Discovery Low Light - Easy Does It DaniHaDani - Aurora Theatre Of Delays - Liminal Space

In this episode of the Get Rich Education podcast, host Keith Weinhold explores the current state of home pricing and the housing market.  He examines whether homes are overpriced or underpriced by comparing them to historical values, gold, and bitcoin, and discusses the influence of inflation and financing on affordability.  The episode features insights from Danielle Hale, chief economist at realtor.com, on the challenges for young homebuyers, housing supply issues, and mortgage rate effects.  The conversation also covers the build-to-rent trend, investment strategies, and the importance of increasing housing construction.  Weinhold concludes by offering free coaching for building real estate portfolios. Resources mentioned: For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad 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   Complete episode transcript:   Welcome to GRE! I'm your host, Keith Weinhold. Home Prices Aren't Really Up! Brace yourself. A mic drop moment on real estate costs is coming.  It's an unmasking - a reality check on property prices. Are homes actually still priced too LOW today? How could that POSSIBLY be true at all? On Get Rich Education. _____________   Welcome to GRE! From Belgrade, Serbia to Belleville, Illinois and across 188 nations worldwide. I'm Keith Weinhold and you're listening to Episode 501 of Get Rich Education.   We'll get to “Are homes overpriced or underpriced today?” shortly.    But understand this…   I successfully acquired something at a young age. And you can too. That thing that I successfully got ahold of was not millions of dollars… because I came from average means.   What I intentionally and successfully acquired was millions of dollars in debt.   Yes, obtaining millions in debt from a young age… is what led to me quitting my day job while I was young enough to enjoy it.   You, the longtime listener, COMPLETELY understand and appreciate what I just said. If you're a newer listener, that sounds unusual or even irresponsible. Well, come along for the ride.    Also, a layperson - or a newer listener - would respond with, “No one talks that way, thinks that way, or does that.” - taking out millions in debt and calling THAT aspirational.   But using that debt as leverage is how you ethically take funds from the big banks - take Chase Bank's money, take Bank of America's money, take Wells Fargo's money - learn how to use it, be a responsible steward of the funds, provide good housing for people and prosper.    That means you get the return on both your down payment - and the entire amount that you borrowed from those banks. That all goes to you. And both your tenants and inflation pay the debt back - not you.   Look, I know one person. I personally know a guy - Greg. Greg makes $80K a year from his day job. Good guy, married guy, one kid.    And his NW increased by $2M just in the COVID run-up. He has a modest salary but his NW is up $2M just since 2020.   First of all, do you think that any of Greg's co-workers experienced that effect? No, he's really going down my path. You soon get unrelatable to co-workers and even some of your peers.   Well, what makes it possible for a good family guy - or anybody - to go from a middling salary to obtaining life-changing wealth?    It takes leverage. He borrowed for bank loans. That way, he could acquire 5x as much property than if he paid all cash for his rental properties.    That way, he had 5x as MANY properties… and properties all appreciate at the same rate regardless of how much equity you have in them.    See, if he had paid all cash, he'd only have a $400K capital gain. Not bad, but $2M is life-changing. Thanks to leverage.   Everyday people obtain life-changing wealth this way. It's so substantial… that it won't only affect Greg's life. If he continues on this way, it'll take care of his children, grandchildren, and great grandchildren.    And you know, maybe this is why, one of the most recurrent guests we've had here in the history of this GRE, Ken McElroy, he says:   “The best investment in RE is the one that appreciates the most, not the one that cash flows the most.” That's Ken McElroy. And now you can see why he says that.   Leveraged appreciation creates wealth the fastest. Cash flow is important and it CAN boost wealth but that happens more slowly. Principal paydown doesn't create it - it enhances it… and it's the same with tax benefits.   Deferring your tax on a 1031 means that you can re-leverage a greater amount.   Low interest rates also don't create wealth. In fact, I bought my first ever income property with a 6⅜% mortgage rate and my second income property with a 7⅝% rate - that second one had interest-only payments.    But I borrowed the maximum amount that I could without OVERleveraging. Overleverage means losing control of the mortgage and operating expenses.   The lesson here is… get the leverage.   And… case in point. Here we go…   Speaking of appreciation, the LATEST Case-Shiller Home Price Index figure came in. The US currently has… 6.4% YOY home price appreciation. Now, their index is only based on 20 cities but that gives you a pretty good idea.    In fact, that is the fastest rate of increase since 2022.   Now, if you've let equity build up in your properties to the point that they're half paid off, you had 2x leverage, meaning the 6.4% appreciation just gave you a 12.8% leveraged return on your skin in the game.   And, of course, if you leveraged with a 20% down payment a year ago, that 6.4% means that you just got a 32% return.   And as we know, these returns I just told you about are from one of just one of FIVE ways that you're expected to be paid simultaneously.   But yeah, a 6.4% higher is merely a DOLLAR-DENOMINATED price. That's what that is. Why do I say that carefully?    Well, there are a few reasons that home prices are 6.4% higher - inflation from dollar printing could be why, the value - not price - but some properties have a greater VALUE, distinctly separate from inflation.   What's the distinction there - how does this happen? What's one difference between an INFLATED price and a greater value?    Well, say that a local economy is hot because there are more high-paying jobs there now than there were last year - say an influx of medical jobs or AI jobs or chipmaking jobs.    Well, even absent inflation, a property that now has PROXIMITY to better-paying jobs - that's now a property that's more desirable.    Someone is more willing to PAY MORE FOR - and simply CAN pay more for. Again - that phenomenon is ABSENT inflation.   What's another reason that home prices rise - and rose 6.4% YOY in this case?    If better PHYSICAL AMENITIES are in new homes than there used to be - say bigger garages or new communities with pickleball courts, well, people are more willing to pay more for that.    To review, there are three reasons that home prices go higher: inflation, appreciation from value creation - like how the same home is now located closer to more high-paying jobs, and thirdly, better built-in amenities.   All three of those increase dollar-denominated price or value. They all increase the nominal price.   Now, let's pivot into the fact that “Home Prices Aren't Really Up”.    I've covered this a little before, but I'm going to go deeper today in giving you the most comprehensive look at home prices today - compared to the past - perhaps than you've ever had in your life.   Some might say, “C'mon. How can this be? Homes cost, perhaps 40% more than they did just four years ago.”   Well, I've got a mic… drop… moment… coming.   - Home Prices Aren't Really Up.   We need a good measuring stick to see what home prices are doing. So we've got to stop pricing homes in dollars for a minute. It's a poor long-term value measure.   Ludicrous inflation means the dollar has lost over 25% of its value just since 2020, and 97% of its value since 1920.   Let's use a commodity and money that has been valued for five millennia - and its physical properties have not changed one bit in allll that time, and its valued across continents and cultures - that's 50 centuries of value! That's gold.    We'll get to a more modern measure soon. But first, gold is the best one.   Now, I don't know who to credit, but for a while, there was an image floating around out there that GRE got ahold of.    It showed that 10 kilos of gold would buy you an average home back in 1920… and also, that 10 kilos of gold would still buy you an average home today… total… mic… drop… moment. Wow! Is there any better evidence that home prices are NOT up - but higher prices reflect that the dollar is down?   Actually, yes, there is a little better evidence. We ran the numbers here and learned that - it's even more astounding than that!    You run how many dollars per ounce gold is worth, that 35ish ounces are in a kilo and you look at home prices then and now and we discovered that - it's even more of a jaw-dropper…   … because in 1920 - which I'll just call a century ago - you could buy an average home for 8 kilos of gold and today, you can buy an average home for just 6 kilos of gold.   So if you want to know how much home prices have changed in the last century, they are down 25%.    They're 25% cheaper today in terms of gold - clearly a more stable value indicator than horrendously diluted dollars are.   And also, GRE made a new image that shows this - 8 kilos for an average home a century ago, 6 today. I sent you that image in our newsletter about ten days ago and that image got shared a LOT of times. Your first reaction to this whole thing could be: "Wow! That's wild. The dollar really is sooo diluted." Alright. What about home prices in terms of a popular, nascent asset that only arrived fifteen years ago, bitcoin? 2016: Average home cost $288K, or 664 bitcoins. 2020: Average home cost $329K, or 45 bitcoins. 2024: Average home cost $435K, or 7 bitcoins. So, eight years ago, a home cost 664 bitcoins and today it costs 7.  That means that home prices are down 25% in terms of gold in the last century. But they're down 99% in bitcoin over just the last 8 years. And the dropped mic keeps reverberating through the stadium. Today's homes are cheaper in gold and drastically cheaper in bitcoin.  See, it takes real world resources and proof of work to create real estate, gold, and bitcoin. None of these things are required to produce a dollar - none of them. That's why its value is approaching zero. But let's go deeper. You need more answers - you are part of a really intelligent audience.  Because you might be thinking: "Wait a second. Some other things have changed too." For real people - everyday people - aren't home prices actually more out of reach than this? That's because since 1920, home prices have risen faster than incomes. That puts them OUT OF REACH for more people. Something else has changed. A home's lot size is smaller today too - the land that comes with the property has a smaller area. Let's understand too - homes also use some cheaper materials today. For example, heavy, milled raw wood doors - the interior doors - of yesteryear have given way to molded particle board today. This is beginning to build the case - evidence - that homes SHOULD be cheaper than they are today.  Let's keep going, because there's more to consider. Mortgage rates themselves - just rates in isolation - they don't put homes out of reach at all. The long-term average is 7.7%, per Freddie Mac, on the 30-year FRM. That average goes back to 1971, when they first began tracking them.  Oppositely, you can make the case that U.S. homes should cost even more than they do today. In many advanced nations, homes are way more pricey. Even next door in Canada, they cost about 20% more than U.S. homes. Canadian salaries are lower than US salaries too - yet their home prices are markedly higher. On some levels, you're getting more "home" today in the US.  A 1920 home would feel savagely uninhabitable to you if you tried to live in one now.  Here's what I mean… In 1920: 1% of homes had electricity and full plumbing. Today: 99% of homes have electricity and full plumbing. What I mean then, by savagely uninhabitable, is enjoy walking to the outhouse in the middle of the night when it's 35 degrees. Then there's size: 1920: The average home had 242 sf per person. Today: The average home has 721 sf per person. Because today, family sizes are smaller and homes are way larger too. Today's amenities would be unthinkable in 1920—walk-in closets, roofs with R38 insulation, double-paned thermal windows, smart thermostats, voice-controlled lighting, quartz countertops, and Kitchen Aid appliances. Maybe even a security system. They're all things that homes have today. Gosh, even the fact that you have a garage - a HEATED garage even, finished basement, air conditioner and modern washer-dryer would leave 1920 homeowners dumbstruck with their mouth agape—maybe even flabbergasted. Those old folks from yesteryear wouldn't believe all that you get with a home today. Yet that 1920 home would have cost you more in gold, than today's more sizable homes with all their plush amenities. Now, when it comes to - though home prices aren't up, are they more “out of reach” for the average American?” Over the past five years, they ARE - because home prices have now risen faster than incomes over THAT stretch. But another BIG reason that homes are SUBSTANTIALLY more affordable today than they were in 1920 is… financing terms.  Today, you can make a down payment for between 3% and 20% on a home. Do you know what loan terms were like in 1920? You had to make a 50% down payment and then had to pay off your mortgage in 5 years.  Can you IMAGINE if that were the case today? How many people could put 50% down on a home today and then pay off the balance within 5 years. Virtually nobody. That's why homes are more within one's grasp today. Overall, you can see that there are a lot of countervailing factors here… tempering that it took 8 kilos of gold to buy a home a century ago, and it just takes 6 kilos today.  The bottom line here is that, long-term, real home prices aren't up. Dollars are down because they've been printed like crazy.  From today, nominal home prices could keep rising for years.     Dustin on social had a funny comment about this - “How many baconators from Wendy's would it take to buy a home today?” Ha!    I don't know. I guess that's a hamburger - I don't go to Wendy's. Maybe then, a home costs 60,000 baconators today.    Coming up straight ahead - what will happen first - a $750K median-price home, $100K bitcoin, or $5K gold.   Also, what's perhaps the biggest trend in real estate investing that not enough people are talking about - and how you can make money from it… and more… all next - I'm KW. You're listening to Get Rich Education.  ______________   Welcome back, to Get Rich Education. I'm your host, Keith Weinhold.   On our latest GRE Social Media Poll, we ran this question.   What will happen first?   The median home value hits $750K. Bitcoin hits a $100K price. Or… Gold hits $5K.   I'll give you the result, but what do you think? Again, which one of these three things will happen first?    The median home value hits $750K. Bitcoin to $100K. Or… Gold hits $5K.   The results across both LI and IG were pretty similar - sometimes you get differences there, as LI is a more professional audience.    One voter in the poll also commented - it's syndication attorney Mauricio Rauld, who we've had here on the show before.    Mauricio said: I think assuming Bitcoin doesn't collapse, it probably makes a run to $100K in the next few years (who knows, could be next few months). But with the median home, at 10% a year, it would take 6 years to hit $750K so that is a decade away. That's his thought - sounds reasonable.    The poll RESULT is: Bitcoin will hit $100K first. That was most likely, with 57% of you answering that. That makes sense since its volatile and close to striking distance.   The median home value will hit $750K finished 2nd. 26% of you said that.   And gold up to a $5K price got just 17% of the vote. That makes sense since gold prices would have to about double from here.   You can always join along in the conversation and polls. We are really easy to find - because on virtually every social platform - Facebook, Instagram, LI, YouTube - we ARE: “Get Rich Education”.   Over on the Get Rich Education YouTube Channel, I recently covered how the Fed is overseeing a “Tug of War” between inflation and a recession. They don't want the game to end. The Fed is trying to keep the game going.    They don't want participants on either side falling into a pit in the middle of the Tug of War game between inflation and a recession. They don't want either side to win. If one side wins, the Fed loses.   This “Tug of War” game is really a great way to understand how the Fed works, how they control your money, and what their motivations are. A video about that is on our YouTube channel - where you get the visual of the Tug of War game between inflation and a recession.   That's just one example of how that content is often different from what you're hearing now. Get more… on our YouTube Channel… called “Get Rich Education”.   The homeownership rate just fell again a little, quarter-over-quarter, increasing the number of renters and rental demand, which I expect will only continue. From CNBC, Realtor.com's Chief Economist Danielle Hale tells us more. Let's listen in. It's about why the housing market is pretty dire for young Americans, then I'll be right back with some key commentary on this. Yeah, there in Economist Danielle Hale's interview - if mortgage rates go higher, inventory pulls back and we tend to see modest HPA. Most agree that if mortgage rates go lower, we'll see RAPID HPA.   She also just keeps exposing what we all know. “We need to build more housing”.   A brand-new home constructed with a renter in mind, sold to an investor, is known as build-to-rent housing. You'll see it abbreviated BTR. It's usually single-family.   Some abbreviate it B2R. These must be the same people that say H2O instead of water.    It's become massively popular.   Despite an overall housing shortage, last year, a record 27,495 BTR homes were completed.    That's up 75% from the prior year and up an astounding 307% since pre-pandemic deliveries back in 2019.   So what's driving the build-to-rent trend? Locked into low mortgage rates, existing homeowners won't sell. So, instead, new inventory must be constructed. More overall housing demand than supply. Wannabe first-time homebuyers cannot afford homes today. Renting a BTR is next best. National BTR occupancy is over 96%. BTR operates similarly to apartment buildings under property management, yet offer a single-family living experience.   Some of these communities have: leasing offices, pools, and fitness centers.   The homes themselves often have: luxurious modern finishes, garages, and fenced backyards.   What's in it for investors? How do you make money with BTRs? 5% mortgage rates* (I'll get back to that in a minute) A long-term ownership focus, generating revenue over time rather than immediately Tenants have a house-like feel. Expect 3+ years avg. tenancy duration. Mgmt. fees are low because all houses are the same and all in the same area too BTR purchase prices are HIGHER than resale property. You will pay more. Expect better appreciation than resale property The rent range is often $1,500 to $3,500 You can expect low maintenance. It's new. Builder home warranty So there are a ton of factors that give build-to-rent investor appeal. Really, 5% mortgage rates? Yes. Here at GRE, we can introduce you to some BTR homebuilders that will buy down your rate for you. One is lowering it to 4.75%.    I encourage you to get that incentive now, because when mortgage rates fall substantially, I don't expect these national and regional homebuilders to keep giving you the rate buydown.    Sorry J-Pow. This kinda makes your next Fed rate decision… seem pretty irrelevant.   It's a great rental model to pursue and an amazing time to do it with the rate buydowns. I wish BTR would have existed when I began as an investor.   You really didn't start hearing about BTR at all until about ten years ago.   Now, I appear as a guest on other business and investing shows. Quite a few times, the host asks me where the REI opp is today.    The answer that I've been giving is that it's with build-to-rent properties and these rate buydowns.   An income-producing asset is like your employee that's working for you—but without the personality problems. The property is also working for you 24/7.    Besides just helping you find the best BTR deals today, we can help set up an entire real estate investment portfolio plan for you.   -We can help build an income-producing RE portfolio for you with our free coaching. Truly free.    Now, if you're new here, you might think that we're trying to sell you something - and we aren't.    The way it works elsewhere is that some people get attracted to the free thing and then once you're on the phone or Zoom or free live, in-person event, they're going to try to sell you their better PAID coaching or some online course for a fee.   We don't even sell coaching or sell a course. This is free no-strings, no upsell, no catch coaching.    OK, it's sort of the opposite of your auto dealer calling you about your extended warranty - an overpriced item that you don't want. Ha! If you want to buy something from GRE, you can't because we don't even have anything to sell you. We are here to help!    Also, I have no problem with companies selling paid courses or paid coaching - not at all. Some courses are worth paying for. It's just not what we do or have EVER done here.   But see, buying real estate that you own directly is still not as simple as just finding a keyboard and pressing: Ctrl, alt,  Deal.   So that's why our Investment Coaches help you learn your goals, and navigate the process. Then you'll want to keep in touch with your coach because the best deals are often changing.    For example, you might think that you want to buy income property in, just say, Alabama, because its prices haven't run up as much as they have in Florida.   But we keep regular lines of communication open with build-to-rent homebuilders nationwide… and say there's a new community, in, Florida, where the real deals are going to be for the next few months…    …and though you still like Alabama, you like how Florida is growing faster so you end up going there.   Or there's better cash flow with some BRRRR strategy properties in say, Ohio, that we have that your coach informs you about.    So, I encourage you. Get & maintain a line of communication with your GRE Investment Coach.   To review what you learned today:   Leverage is THE most powerful wealth creator.   You can make the case that homes are NOT overpriced today. Home prices aren't up; the dollar is down.   No one knows the future. But there is ample room for more home price growth.    Build-to-Rent property keeps increasing in popularity… and investors can get mortgage rates on them as low as about 5%.   To contact an investment coach, it's free, start at GREmarketplace.com.   Until next week, I'm your host, KW. DQYD!

Diese Woche kehrt unser Stammgast Lenny Weinhold wieder zu „Beyond the Beach“ zurück. Zusammen mit Gerwin wirft er einen Blick auf die kommende Saison in der Welt des Riversurfens und teilt ihre Einschätzungen darüber, was uns erwartet und auf welche Surfer sie setzen würden. Außerdem philosophieren sie über ihre Dream Tour und diskutieren darüber, welche […] --- Send in a voice message: https://podcasters.spotify.com/pod/show/surftalkpodcast/message

Diese Woche kehrt unser Stammgast Lenny Weinhold wieder zu „Beyond the Beach“ zurück. Zusammen mit Gerwin wirft er einen Blick auf die kommende Saison in der Welt des Riversurfens und teilt ihre Einschätzungen darüber, was uns erwartet und auf welche Surfer sie setzen würden. Außerdem philosophieren sie über ihre Dream Tour und diskutieren darüber, welche Stops für sie ein absolutes Muss wären. Viel Spaß bei der Folge! Surf Athlete die App von Surf Strength Coach check it our: https://surfstrengthcoach.com/?ref=101947 IMPROVE YOUR SURFING HERE: Surf Companions: https://surfcompanions.com/?ref=S4UYHSas Spare 10% auf Salzwasser mit unserem Code: SURFTALK10AMBhttps://salzwasser.eu/?ref=surftalkpodcast Socials: @surftalkpodcast @salzwasser.eu@delight_alliance_surfboards@frittboardssurfshop

Ally Weinhold is a comedian, social worker, and Sober Girl. Thirteen years of sobriety and seven years of standup taught her that laughter is the best medicine. she believes that laughter is an important catalyst for human connection and has the power to heal trauma. In this episode you will learn how to find joy in sobriety, how to give yourself grace when changing your relationship with alcohol, and how you will know when you have healed your past traumas. Use code SOBERGIRL25 for 25% off Vibe Gummies Use code SOBERGIRL20 for 20% off Exact Nature CBD For 10% off Visit BetterHelp For 10% off Visit OSEA  

Werner Weinhold tötete bei seinem Fluchtversuch aus der DDR im Jahr 1975 zwei Grenzsoldaten der DDR. Die Stasi plante später seine Ermordung im Westen.

Backstoppers Recipient Christy Weinhold Seacrist: McGraw 1 - 25 - 24 by

In dieser Episode haben wir einen ganz besonderen Gast, denn er macht gerade als einziger Mann die Ausbildung zur Virtuellen Assistenz bei uns in der VA Business Mastery. Robin Weinhold ist durch die VA Week auf uns aufmerksam geworden und berichtet heute von seinem Weg in die Selbstständigkeit. Wenn du auch gerade an dem Punkt stehst, in die Selbstständigkeit zu starten, dann solltest du diese inspirierende Folge jetzt direkt anhören! Unter anderem erfährst du: Robins Gründe, die ihn dazu bewogen haben, nach Veränderung zu suchen Welche Herausforderungen und Unsicherheiten ihn begleitet haben, die mit dem Wunsch nach mehr Selbstbestimmung einhergingen und was er daraus gemacht hat  Warum er sich für die VA-Ausbildung entschieden hat Eindrücke und Erkenntnisse aus der VA-Ausbildung, die seinen Blick auf die Möglichkeiten als Virtueller Assistent verändert haben Die wichtigsten Learnings und Tipps, die er für angehende Virtuelle Assistenten und Selbstständige hat Mehr zu Robin findest du hier: https://www.linkedin.com/in/robinweinhold/ _________________ » Starte das neue Jahr mit uns und weiteren hunderten VA's in der VA WEEK 2024 vom 22. – 28. Januar. Für ein zeit-und ortsunabhängiges (Business-) Leben. Melde dich hier an: https://kristinholm.de/va-week-2024 --- Send in a voice message: https://podcasters.spotify.com/pod/show/kristin-holm/message

Es gibt aufregende Neuigkeiten in unserem Podcast-Universum! Willkommen bei „OnlyFins“, einer brandneuen Serie, die sich – wie der Name schon sagt – voll und ganz den Finnen widmet. In unserer Auftaktfolge haben wir den talentierten Lenny Weinhold zu Gast, der mit Gerwin Andreas über die verschiedenen Arten, Systeme und Bauweisen von Finnen spricht. Die beiden tauchen tief in die Welt der Finnen ein und diskutieren leidenschaftlich darüber, welche Finnen auf welchem Board am besten funktionieren. Ihr werdet auch erfahren, welche Vorlieben und Erfahrungen sie selbst mit Finnen haben. Freut euch auf eine unterhaltsame Folge, vollgepackt mit Insiderwissen und lebhaften Diskussionen. Viel Spaß, YEEEEWWW! IMPROVE YOUR SURFING HERE (OR SOMEONE ELSES WITH A GIFT FROM:)Surf Companions: https://surfcompanions.com/?ref=S4UYHSas Spare 10% auf Salzwasser mit unserem Code: SURFTALK10AMBhttps://salzwasser.eu/?ref=surftalkpodcast Surf Athlete die App von Surf Strength Coach check it our: https://surfstrengthcoach.com/?ref=101947 Socials: @surftalkpodcast Support kommt von:@salzwasser.eu@polyola_surf@delight_alliance_surfboards

Es gibt aufregende Neuigkeiten in unserem Podcast-Universum! Willkommen bei „OnlyFins“, einer brandneuen Serie, die sich – wie der Name schon sagt – voll und ganz den Finnen widmet. In unserer Auftaktfolge haben wir den talentierten Lenny Weinhold zu Gast, der mit Gerwin Andreas über die verschiedenen Arten, Systeme und Bauweisen von Finnen spricht. Die beiden […] --- Send in a voice message: https://podcasters.spotify.com/pod/show/surftalkpodcast/message

The Swampist works in advertising for The Blaze. He used to work at New Founding and Cambridge Analytica—all around digital media guru. He calls himself Swampist because he currently lives in New Orleans (a swamp) and used to live in DC (also a swamp), both of which are places I've also lived. We talk a lot about New Orleans and the way things are.Formerly a radio host, he shows me how it's done. Get full access to The Carousel at thecarousel.substack.com/subscribe

A conversation with the President and CEO of the University Of Oregon Foundation.

Spannende Einblicke in die Reha, zehn Spielzeiten beim Rekordmeister und ein Weg aus dem Handball-Süden in den -Norden! Anett Sattler begrüßt in der neuen Folge „Hand aufs Harz“ Routinier Steffen Weinhold, der aktuell an seinem Comeback im rechten Rückraum beim THW Kiel arbeitet. Wieso seine Mutter ihm damals den Spitznamen „Raffi“ verpasst hat, wie sein Wechsel von Flensburg nach Kiel von seinem Umfeld aufgefasst wurde und wann er mit dem Fahrrad die Alpen überquert, verrät der ehemalige Nationalspieler in der neuen Folge. Der 37-Jährige hat nicht nur eine lange HBL-Karriere und eine unglaublich große Titelsammlung, sondern auch schon einige andere Challenges absolviert oder noch geplant. Viel Spaß mit #96 von „Hand aufs Harz“! *Werbung* Informiere dich jetzt auf drinkag1.com/handaufsharz zu gesundheitsbezogenen Angaben und hole dir AG1 im Abo nach Hause, ganz ohne Vertragslaufzeit. Sichere dir bei deiner AG1 Erstbestellung einen gratis Jahresvorrat an Vitamin D3+K2 & 5 Travel Packs.

Diese Woche haben wir erneut Lenny Weinhold zu Gast. Zusammen werfen wir einen Blick auf die vergangene Saison der Rapid Surf League. Wir sprechen über Lenny’s Sieg beim Berlin Open und diskutieren die bevorstehenden Contests. Uns erwartet eine aufregende Zeit, denn als Nächstes steht ein spannender Contest in Zürich an. Danach geht es für Lenny […] --- Send in a voice message: https://podcasters.spotify.com/pod/show/surftalkpodcast/message

Diese Woche haben wir erneut Lenny Weinhold zu Gast. Zusammen werfen wir einen Blick auf die vergangene Saison der Rapid Surf League. Wir sprechen über Lenny’s Sieg beim Berlin Open und diskutieren die bevorstehenden Contests. Uns erwartet eine aufregende Zeit, denn als Nächstes steht ein spannender Contest in Zürich an. Danach geht es für Lenny direkt weiter nach Seattle zum Continental Cup. In dieser Episode werfen wir auch einen Blick auf vielversprechende aufstrebende Surftalente, die in Zukunft für Furore sorgen könnten. Seid dabei, wenn Lenny und unser Gastgeber Gerwin Andreas in dieser spannenden Folge von „Beyond the Beach“ über alle Neuigkeiten plaudern. Viel Spaß beim Zuhören! Surf Athlete die App von Surf Strength Coach check it our: https://surfstrengthcoach.com/?ref=101947 Deeply Code: Surftalk für 10% Rabatt „SURFTALK“ oder eu.Deeply.com/discount/SURFTALK Surf Companions: https://surfcompanions.com/?ref=S4UYHSas Socials: @surftalkpodcast@lenny.weinhold @deeply_europe@salzwasser.eu@delight_alliance_surfboards@frittboardssurfshop

In this podcast episode, Keith Weinhold discusses the benefits of investing in stable property markets, the risks and benefits of taking out a second mortgage on a property, and the potential impact of remote work on the real estate market.  Weinhold also touches on the performance of stocks and other asset classes in the first quarter of the year, highlighting the drawbacks of savings accounts, CDs, and money market funds, and suggesting that investing in real estate can be a better option.  Overall, Weinhold emphasizes the importance of investing in stable markets with high rent ratios and strong landlord tenant laws. **Real Estate Prices [00:03:39]** Discussion of the current and future direction of real estate prices, with a recap of the benefits of investing in real estate. **Tapping Equity [00:04:50]** Explanation of the problem with tapping equity and the risks of taking out a second mortgage on a property. **Second Mortgage [00:05:43]** Explanation of how to add a second mortgage onto a property and access cash without refinancing the entire loan, with details on the 80% combined loan value ratio. **Risks of Second Mortgage [00:07:49]** Discussion of the risks of taking out a second mortgage, including interest rate fluctuations and the potential pitfall of borrowing short to go long. **Second Mortgage Benefits and Risks [00:09:51]** Discussion of the benefits and risks of taking out a second mortgage on a property for investment purposes. **Current Direction of Home Prices [00:12:09]** Analysis of the current direction of home prices in the resale market, including a survey of resale agents and national existing home prices. **Regional Real Estate Market Performance [00:18:00]** Discussion of the stability of regional real estate markets, with a focus on the southeast and midwest, and the importance of stable prices, high rent ratios, and strong landlord tenant laws. **WFH Trends and Regional Real Estate Markets [00:20:24]** Analysis of the potential impact of work from home trends on regional real estate markets, including an increase in flexible job postings in major cities. **Virtual Real Estate Investing [00:25:02]** Discussion of the recent failures of metaverse projects and the risks of virtual real estate investing. **Factors Affecting National Home Prices [00:26:15]** Explanation of the headwinds and tailwinds affecting national home prices in 2021, including bank failures, job loss recession, labor and supply inflation, spring home buyer demand, and the supply crash. **Mortgage Rates [00:30:20]** Explanation of the difficulty in predicting mortgage rates and the lack of forecast for their direction. **Various Asset Classes Performance [00:32:17]** Discussion of the performance of different asset classes in Q1 of the year, including precious metals, savings accounts, and real estate. **Benefits of Investing in Real Estate [00:35:14]** Real estate investing as a way to beat inflation and transfer prosperity from dollars to property, with the added benefit of control and potential for five ways of profit. **Reasons to Invest in Residential Real Estate [00:36:27]** Advantages of investing in new or renovated residential real estate, including low maintenance expenses and potential for no capex expenses during ownership. **Expectations for Real Estate Market [00:37:33]** Expectations for the real estate market in the next five years, with a caution that the historically high price run-up may not be repeated. Resources mentioned: Show Notes: www.GetRichEducation.com/444 National existing median home price: https://fred.stlouisfed.org/series/HOSMEDUSM052N National median home price (existing & new): https://fred.stlouisfed.org/series/MSPUS Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Memphis & Little Rock property that  cash flows from Day One: www.MidSouthHomeBuyers.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE 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 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   Welcome to GRE! I'm your host, Keith Weinhold.    Would you rather be age 18 and poor or 80 and wealthy?   Learn about how a second mortgage could benefit you.   Historically, what REGIONS of the nation have the most stable and volatile real estate prices?    Then, there are two ominous threats to FUTURE property prices. All that and more, today, on Episode 444 of Get Rich Education.   Welcome to GRE! From Orange County, Florida to Orange County, CA and across 188 nations worldwide, I'm Keith Weinhold, this is Get Rich Education.   Last week marked 50 years since the first-ever cellphone call was placed. The call from the 2.5-pound brick-sized cellphone was placed in NYC - Manhattan.    That phone could NOT fit inside a standard pocket.    Sheesh! Look, I won't even use a case on my iPhone today because I'm concerned about the weight and friction and it would add!   I want it light and I want to be able to quickly slide it in & out of my pocket. Ha!   Well, I've got a more significant trade-off for you to consider.    Would you rather be age 18 and poor or age 80 and wealthy?    I think you and most everyone would rather be 18 years old and poor rather than 80 years old and wealthy.   I am pretty confident that you & I agree on that.   Well, if you'd rather be 18 and poor, then why would you go to a job to trade your time for dollars?   Because that's exactly how you move away from 18 and poor straight toward 80 & wealthier but probably 80 & still less than wealthy.   Why would you make that trade?   Even if you love your job - if it's not the activity you'd MOST want to be doing out of anything else in the wide spectrum of life, move away from 18 & poor?   Well, time is going to pass one way or the other, but you can win back your time & end up wealthy rather than “somewhat less than wealthy”...   …when you provide value for society by giving them housing, getting paid 5 ways at the same time, one of which includes a MOSTLY passive income stream, trading relatively little of your life time all the while. That's why we do here.   That way, you're not quite going to be 18 & wealthy, but wealthy when you're young enough to enjoy it.   Over the last three years, property prices are up 30 to 40% in a lot of markets.   We're going to look at the current & future direction of real estate prices in a moment.    But let's talk about what you can do with this… what you can do with that dead equity in your properties.   America has near record-high equity levels right now so this is really timely here.   But there's a bit of a problem with tapping your equity today. Before I get into that, just a recap minute here…   Of course, as any longtime listener knows, since the rate of return from home equity is always zero, you have a chance to harvest your equity.   Having, even an extra $1,000 of equity in any property, including your own home, is like making an extra principal payment of $1,000.   Doing that is like you saying, “Hey, Mr. Banker. Here's an extra $1,000 principal payment. Don't pay me any interest on it. If I need it back, I'll pay you fees, and I'll try to prove to you that I qualify again.”   That's the short story on why home equity is unsafe, Illiquid, and its ROI is Zero.   OK, but if you have a mortgage loan that's set at just 3 or 4% interest, are you really going to refinance that whole loan just to pull some money out - just to convert some equity to cash?   Because if you did, your mortgage rate could go up to 6 or 7%. So accessing equity isn't as great as it used to be.   Ah, but there's a way around this.   One your, say, property at, say, Huckleberry Lane, you could keep your existing mortgage in-place at that low 3% or 4% rate, and potentially add a second mortgage onto Huckleberry Lane - and only that second mortgage is at the higher rate. The first loan stays in place and so does its amortization schedule.   Now, if your Huckleberry Lane property is worth $500K, you can often have 80% of that, or $400K borrowed, that's that 80% combined-loan-to-value ratio.   That means that the amount of cash that you can get your hands on is $400K minus your mortgage balance.    That's why a lot of property owners are able to access, often, $100K or more cash, without touching their low first mortgage at all.   Get $100K cash out - or whatever you have access to - it's not providing you with any rate of return anyway.   Though you can often borrow out up to 80% of your primary residence's property value, the deal isn't as good as far as getting second mortgages on your rental property.   Second mortgages on a rental are, sometimes available, sometimes not. When they are, it's recently been just up to 70% that you can borrow out.   Now, as good as this might sound, it doesn't mean that you SHOULD do it. What are the risks with taking a second mortgage on your home or rental properties?   Well, some second mortgages take the form of a Home Equity Line of Credit - or HELOC.    The interest rate on your HELOC can fluctuate, so there's interest rate risk. Most HELOCs have a fixed rate period for the first 5 or more years though.   Before I talk more about the risk of a second mortgage, it's just amazing - the number of people that I run into out there - most of them aren't REIs - but homeowners that are elated that they got a low mortgage rate 2, 3 years ago (and they should be - congratulations)... but they want to tap their bloated home equity and don't know about adding a second mortgage.   Now, a risk with a second mortgage is the potential pitfall of borrowing short to go long, meaning your HELOC rate resets in a little as five years - it could go down when it resets and it goes up, and at that time, you're not liquid enough to deal with the second mortgages higher payments. Now, I know, it's exciting about getting into more income property, using dead equity from your own home or your own rentals - because it's “Real Estate Pays 5 Ways” stuff.   You might tell yourself, that when you add up a 5 rates of return from investment property - appreciation, cash flow, amortization, tax benefits and inflation-profiting, that you can surely see a total rate of return on your new rentals of 20% or 30% or more.    So if your second mortgage has an interest rate of 7 or 8%, you'd do that deal and pocket the spread.   Yes, it sure might work out that way, in fact, there's even a probability that it could work out that way.   But the risk is that you've got to stay liquid enough to service the debt if your second mortgage rate rises or any other reason.   And you might be just fine. You might have enough cash flow or cash stored that you're padded, you're fine… and your underwriter might help you look at that during your second mortgage qualification.   You might ask Ridge Lending Group or your favorite lender about second mortgage options.   So, now you know. A second mortgage can keep up your velocity of money. There are benefits and there are risks.   Utilizing it successfully looks something like this.   You start off with 50% equity in one property, which is 2:1 leverage, you move some of that into a second property.    Now you've got 25% equity in both.   You've done MORE than double your wealth-amplifying ability here. You've virtually 4Xed.   Because rather than having 2:1 leverage in one property, you've got 4:1 leverage in two properties.   That's how wealth is BUILT.   Let's talk about those ERSTWHILE home prices.   There are at least two ominous threats to future home prices. And now that it's Spring and market activity picks up, what's the CURRENT direction of home prices?    Real estate can move slower than glaciers, so March numbers are still scarce.   Home prices in the resale market - alright, that means existing homes, not new-build - those resale prices have stayed remarkably resilient, even when mortgage rates jumped up back in February.   John Burns REC compiles a chart for the latest survey of resale agents. The question that was asked is: “What direction have resale home prices moved in the last month?”    The national survey respondents can pick that prices are either MOST INCREASING, MOSTLY DECREASING, or MOSTLY FLAT.   This February, for the first time since May of 2022, more said that home prices are "mostly increasing" rather than "mostly decreasing":   Note though, that most of the agents in the latest survey show that prices are merely steady at 51%. 26% said “increasing” and 23% decreasing.   Credit to JBREC. This is a national survey of ~2,600 resale agents.    Now just from this chart and THESE stats, note something interesting. October 2022—appears to be housing's low point. That was then, six months ago—marking housing's recent low point.   So, that's a different angle on looking at home prices than usual - asking agents what they're seeing.   National existing home prices, per the FRED stats, month-over-month are up just a little, from about $361K to $363K. Again, that's through February.   Seasonally, that could go up more. That typically happens each year when spring transitions to summer.   There's a good chance that national homes prices will be rising these next few months.   If you think that those prices sound a little low, be mindful, this entire discussion, so far, is about EXISTING homes aka resale homes, which tend to be priced lower than new construction homes.    If you combine both existing & new, same source, $468,000 is the national median home price. That was the same quarter-over-quarter. Same source too.   It's always important to cite the source when it comes to statistics.   You know, some say the 1990s are when America moved into the Information Age. But, at some point, in the 2010s, did we move into the DisInformation Age?   I don't know. There's a lot of both out there - a plethora, a profusion of both information and disinformation.   Some of these niche finance social media pages don't cite their sources, and more often than not, I don't follow them or I unfollow them if I find that they regularly don't cite source.   The other type of story that I unfollow or just stay away from, are article headlines or images with the word “Rumor” in it.   I don't want to follow Rumors. Now, I guess, in the best case, a rumor could turn out to be true and maybe could give you a heads up on something that actually turns out to come true later.   But, the world is full of real information. I don't want to spend this one finite life I have on earth catching up on rumors. It's more sports sites that use that word rather than finance sites.   Rumor is just an annoying word, I guess. It's a synonym for “gossip”.   Hey, the real estate investing and personal finance world has its own quirks and odd spins on words.   One thing I haven't been able to figure out is how a guru is bad and an obsession is good.   Some people disparage thought leaders and influencers as gurus.   Guru means an influential teacher or an expert. That sounds like someone worth listening to to me.   How are obsessions good. Some say, to succeed, you've go to be obsessed.   No, you don't. That sounds unhealthy.   The definition of obsess is to preoccupy or fill the mind of someone continually, intrusively, and to a troubling extent.   Don't fall into the trap of an obsession.   Well, to recap what you've learned today on Get Rich Education Episode 444 (ha!) rumors and obsessions are bad, and gurus are good.   Enough digression. Getting back to real estate investing.   Like I said at the beginning of the year, I don't expect much national HPA or price declines this year.   But regionally, the markets that we focus on here - the ones in the Southeast and Midwest and a little in the Northeast, have all performed well.   Many - even most - in our target markets appreciated in 2018 & 2019 & 2020 & 2021 & 2022 & they're continuing to do so now.   Many Florida markets are still seeing 10%+ appreciation. We're talking about those stable markets, avoiding the volatile, largely coastal markets where prices are sinking, especially on the West Coast.   As I've long discussed, one reason that we invest where we do are for their stable prices, even during downturns.   Backed by historical data, American housing's long-term regional price volatility is broken down like this: The most stable markets are in the Midwest and the Inland Northeast. The medium volatility markets are in South And the highly volatile markets, which we avoid  are in the West, and the Coastal Northeast - like NYC and Boston. I'm going to guess that you've never heard regional home price VOLATILITY described before.  Now, you might wonder, if the Inland Northeast tends to have more stable, long-term pricing than the South, why don't we favor it more than the South. Well, stable prices are important. But having high rent ratios and having strong LL-tenant laws and high in-migration make the Southeast a strong investment area. Of course, when I describe regions this broad there tend to be some outliers and exceptions. Now, it's going to be interesting to see how America's regional pricing level AND its level of stability changes over time. That is set up to change at a faster pace, and you might know why that is - why these geographic regions could see, really more of an amalgamation of characteristics and that is due to… you MIGHT know what I'm going to say. WFH. That actually is not an initialism or acronym for some kind of thinly veiled profanity. It is work-from-home.  The rise in Work From Home Trends could really start to blur these lines over time. Now, it would be a trend that moves slowly.  But consider, that, in January of 2023 six times more work was happening remotely than it was in January of 2019, that's according to a company called WFH Research. In fact, in major cities like New York and Chicago there are now more job postings for flexible arrangements than at any point during the last three years, according to the NBER & Bloomberg. Now, that's of less concern to you, the residential property investor. It might just be an interesting trend and create more demand for your product - HOMES! But it could very well put downward pressure price pressure on higher-priced areas like Manhattan, Brooklyn, and San Jose… and more upward price pressure on those lower cost areas where you & I tend to buy property. But with more Americans working from their homes, it is bad, bad, bad for downtown commercial landlords and some central business district companies who survived the 2020 lockdowns… but STILL haven't fully bounced back three years later. Gosh! GetRichEducation.com is where you can learn more about how to invest in real estate the right way, the profitable way - with articles that I write myself, and our videos and more. It is all free. If you would like to contact us, with a question about the show, you can do so at GetRichEducation.com/Contact More straight head, including two ominous signs for the future of the housing market. I'm Keith Weinhold. You're listening to Episode 444 of Get Rich Education. ______________________ Welcome back to Get Rich Education. I'm your host, Keith Weinhold.   We are keepin' it real here at GRE. Building real wealth in the real world with real estate.   See the, uh, emphasis on the world “real”. Back in December, on Episode 427, you'll remember that we did a show devoted to Metaverse Real Estate Investing… and the consensus of the guest & I were that it is risky and in most cases, ill-advised to get involved.   Well, it was recently announced that both Disney and Microsoft have shuttered their metaverse projects.    Popular virtual worlds have seen steep drops in interest, with the median sale price of real estate in Decentraland plummeting 90% YoY. You know, with the real thing, even if your real estate lost value, which isn't common, it can't go down too far. You've still got the value of the land underneath it and the value of all the materials that your property is built with. What about national home prices for the rest of this year? Of course, it's always a little odd to discuss national home prices with the tens of thousands of US markets.    It's kind of like coming up with a national weather average.   Here are the MAIN factors governing national home price direction this year.   The headwinds to price growth - the threats are #1: 1 - We had banks fail early this spring. More regional bank fallout could contribute to tightening lending standards. Tightening lending standards would mean that fewer borrowers could qualify, and that could reduce demand. Reduced home demand is NOT good for prices. So that's ominous housing threat number #1. But even if that happens, regional banks are often making COMMERCIAL real loans. The government-backed loans you're getting for residential are more desirable - we're talking VA, FHA, rural housing mortgage, and conforming loans that are sold to Fannie Mae and Freddie Mac - which are often those types that you're getting for 1-4 unit income properties at GRE Marketplace. All government-guaranteed stuff. The second substantial threat to some good home price appreciation this year is that there is a small chance of a big "job loss" recession. With it being over a year since the Fed started raising rates, there is a lag effect and we should some at least a few more job losses as we head toward a likely recession. They are the two ominous threats. The tailwinds to price growth - these are the strengths for rising home prices, there are 3. The first one is that labor & supply inflation remains elevated, and well, that obviously keeps upward pressure on home prices. The second positive, or strength for home prices is - like I touched on earlier - increasing spring homebuyer demand hasn't been factored into the numbers yet - and that always boosts prices. And then the third strength and underlying factor to boost home prices this year is really, what I've called “the crash” which has caught some people off guard. Yes, this generation's housing crash ALREADY happened. It is that SUPPLY CRASH of about 60% in available American homes to buy. We have such a low housing supply, like we've discussed in-depth elsewhere on the show so I won't elaborate on that, but that changes nearly everything and it is one reason that home prices are still so resilient today. Still more demand than supply. National home prices have begun heading up a little, and there are a few more opportunities than there are threats that prices should keep rising, but I don't expect any huge gain, like no 10% gain nationally this year. I don't see how that can happen at all. Now, you'll notice that, mortgage rates, - I didn't put them into either category - either the upcoming housing threats or strength and that's simply because we don't know where mortgage rates are headed. They're so hard to predict so that's why I'm not forecasting where I think that mortgage rates will go. You know how when you're under contract to buy a property and you & your mortgage loan officer are having that strategy session on WHEN you want to lock in your rate. At least one time in your life - and I sure have in mine - you're tempted to ask your MLO where they think rates are going… well, like I said, they're just really difficult to forecast.  Your MLO often doesn't know where they're going to go. Do you remember, last year, or I sure do because I follow this stuff closely, the number of people and professionals that said mortgage rates would be 8 to 10% by Spring of 2023? Yeah, quite a few people said that emphatically. They're about 6.3% today. Before I get back to real estate, the quarter recently ended so let's whip around the asset classes like we do sometimes at quarter-end. Tech stocks got a boost in the first quarter, that helped the S&P be up 7%.   Stocks of the tech giants that are leading the charge in          AI-powered search, Microsoft and Alphabet, outpaced that.   Meanwhile, the second- and third-largest bank collapses in US history happening within 48 hours hurt bank stocks.   Bitcoin was up 72% in Q1. Do we say that crypto winter is over when bitcoin hits $30K?   Oil prices were flat, beginning & ending the quarter at around $80.   Gold was up 7%, partly due to the bank failures.   Silver rose 4% for the quarter.   You know what's been a really bad investment for the last decade, despite all the good things that you hear about its promise - investing in physical silver. You read that there's now more silver above ground than below ground.   10 years ago, silver was worth $25 dollars an ounce and it's still worth… $25 an ounce.   That's even worse than it sounds to laypeople. If you've held any investment for 10 years like that and it's worth merely the same amount of dollars, inflation just chomped about half of it away.   We might have had 40 or 50% or more real inflation in the last decade… and silver bars didn't pay you an income stream during that time either. What a poor performer!   Though I think that SOME precious metals can still be a good STORE of value.   That was whipping around the other asset classes in Q1 of this year.   One place to park your money that is NOT a good store of value is… savings accounts and CDs and MMFs.   Their interest rate, though it might feel good getting paid up to 4% or 5% on those, it ensures that you're losing prosperity every day… because CPI inflation is higher than that, and then the real rate of inflation is higher than that yet. True inflation might be double your savings account rate.   Instead, the smart money BEATS inflation and all the time, a little more of the smart money is GETTING OUT OF DOLLARS too with these rising concerns about foreign nations doing more of their business in yuan or another currency outside of the petro dollar.   The dollar is currently under a lot of stress, besides just the inflation. Dollars in savings accounts & the like… don't just lose to inflation… they're actually keeping your prosperity denominated in dollars, which a growing chorus feels precarious about right now.   Is the dollar about to lose its world reserve currency status? I don't know. I think people having been calling for that since shortly after Richard Nixon took us off the gold standard in 1971.    Instead, what about a fully renovated or brand new investment property, with a rent-paying tenant placed and its all under professional management for you.   That way it's low hassle for you, yet because you own the asset directly, you have the CONTROL without the hassle, and you're often paid those five ways.   This way, not only are you getting out of dollars with your down payment - another way to say it is that you're converting your dollars into real estate…   Then on top of that, when you borrow the dollars for 75 or 80% of the purchase price… you're getting out of dollars so much that you've essentially fund a way to go negative with your dollar position on that property.   When you buy through our network, since the property is new or renovated, you should often expect little or no ongoing repair or maintenance expense in the early years.   And here's the thing that some investors overlook. You may not have an CapEx expense at all. Those big capital expenditures like a new roof or windows or a furnace.   That's because when you buy new or rehabbed and you consider that your hold time often isn't more than 7-10 years due to equity accumulation and leverage ratios, as you lever up into another property, you can leave the Capital Expenditures to the next buyer when you sell.   So, these are some reasons why buying residential real estate makes a ton of sense in this environment.    Will these next five years be as lucrative as the last five years? No, I really wouldn't expect that - that's because of the historically high price runup these past few years.   But I still cannot think of a better place to be than that strategically-chosen real estate.   You can go ahead and get started looking at some properties in markets and connect with our free investment coaching there if you so choose.    That's all at GREmarketplace.com   Hey, I really had a great time chatting real estate and everything else with you today.   Until next week, I'm your host, KW. DQYD!  

Unsere erste Folge River Surf Talk ist raus. Gerwin von Delight Alliance hat über 10 Jahre Erfahrung im Bereich des River Surfen und ist selber nicht nur Surfer sondern auch Shaper. Gemeinsam mit Teamrider Lenny Weinhold spricht über die Anfänge seiner Surfkarriere, warum man am Eisbach E1 nicht anfangen sollte und wie sich Meersurfen und […] --- Send in a voice message: https://podcasters.spotify.com/pod/show/surftalkpodcast/message

Unsere erste Folge River Surf Talk ist raus. Gerwin von Delight Alliance hat über 10 Jahre Erfahrung im Bereich des River Surfen und ist selber nicht nur Surfer sondern auch Shaper. Gemeinsam mit Teamrider Lenny Weinhold spricht über die Anfänge seiner Surfkarriere, warum man am Eisbach E1 nicht anfangen sollte und wie sich Meersurfen und River Surfen unterscheidet. Viel Spaß beim Hören! Yeeeeeew Deeply Code: Surftalk für 10% Rabatt „SURFTALK“ oder eu.Deeply.com/discount/SURFTALK Surf Companions: https://surfcompanions.com/?ref=S4UYHSas Socials: @surftalkpodcast@deeply_europe@salzwasser.eu@frittboardssurfshop @delight_alliance_surfboards@lenny.weinhold

#113: On today's episode I am joined by Lisa Weinhold from The Bare Female. Lisa is teaching sensual and intuitive yoga and guides women to connect with their bodies and their bodies' wisdom. In her work she embraces and advocates the slow and cyclical life. In her words "the feminine moves with the ever so gentle slow rhythm of nature". Lisa brings us closer to the feminine way of moving through deep transformation, metamorphosis, and the ways we can enjoy every step of the process into our most authentic selfs. Her mission is to bring us in contact with allowing ourselves to be soft, to rest, whenever, for however long but equally allowing ourselves to be strong, to be sexy, to feel rage, to take up space. In this episode, we are talking about sensual and intuitive ways to practice yoga, connecting to our physical body, accepting our physical being, sacred rage, listening to our body's wisdom, embracing the slow, cyclical life and the portal of creation. For Lisa's Website and offers: Click here Connect with her on Instagram: Here My Offerings: https://carinajung.com/mentoring-offerings/ Find me on Instagram: @bycarinajung https://carinajung.com

Bob Weinhold is a coach who works with affluent families. He assists them in transitioning the family business from one generation to the next. Bob also describes the obstacles both generations face that can hinder an effective transition. He discusses coachability, leadership, communication, and roadblocks to success. Finally, he shares solutions to the complex problem of letting go of the reins. Tune in today for answers where you thought there were none.   IN THIS EPISODE:   [01:34] Bob Weinhold shares his background and explains how he assists people by understanding their skill set and how that knowledge can serve them in business  [06:34] Wealthy families are connected not only because they are related but because their lives are interconnected across multi-generations in the workplace [08:03] The dynamic of successful succession between generations and advice that Bob gives to the patriarch or matriarch who is moving on [13:15] The NextGen should have opportunities early on in the company. Appreciation of the company and family name is essential to understanding the influence their family has had in the community [16:11] Communication patterns, historical ways of doing things, and safety in expressing your thoughts are common concerns in a multi-generational business [20:03] The dynamic of legacy should be nurtured and approached in a way that encourages the NextGen   KEY TAKEAWAYS:   Understanding the history, influence, philanthropy, and employment opportunities that precede them will help the NextGen understand that their success is not just for themselves but for the community. Coachability plays a big part in the succession of the younger and older generation's ability to move on.  Both parties need to be good listeners. Communication is crucial in transitioning a business from one generation to the next. Obtaining a coach to guide them through the process is most helpful.   RESOURCES:   Beyond the Balance Sheet Website   Bob Weinhold - LinkedIn   Velocity Advisory Group Website   BIOGRAPHY: Bob Weinhold has spent his career helping individuals, teams, and organizations accomplish what they did not think possible. At his core, he connects deeply to help individuals, families, and businesses achieve results they could not imagine (but knew were necessary) while engaging employees and families to drive innovation, growth, and sustainability.  Bob began his career as a clinical therapist specializing in performance enhancement and concluded his healthcare career humbly serving as CEO for behavioral health hospitals and Health Care organizations. For the last nine years, he has served as a strategic advisor and executive leadership coach to Senior Executives, Families, and Businesses. As a Partner of Velocity Advisory Group, Bob oversees all Executive Coaching and Family Business delivery with the firm. Bob works with many multi-generation family businesses through leadership acceleration, succession, and family transition. He also works within many businesses directly with executives/teams in large publicly traded companies, private equity-based businesses, and family offices/enterprises. During his career, he has had the opportunity to work with Academic Institutions, state/local governmental agencies, many organizations in the nonprofit sector, licensing/accreditation/regulatory organizations, and high-level athletes, including time at the Olympics. 

Zusammen mit Steffen Weinhold setzen wir uns die Weihnachtsmützen auf und holen Stollen und Lebkuchen raus! Wir sprechen über weihnachtliche Traditionen, Pläne für das neue Jahr - und erfahren, was Steffens persönliche Highlights 2022 waren!

Today we have two genius minds from Siemens Smart Infrastructure: Michael Weinhold, Head of Technology & Innovation and Rolf Apel, Principal Key Expert for grid digitalization. Michael and Rolf give valuable insights into how creating environments that care can help us overcome the challenges posed by rapidly changing energy systems. Tune in and find out how ethical considerations can be opportunities to foster good innovation.Curious about AI? Visit our Siemens AI Lab website!

Werner muss weg. Raus aus der DDR. In der Vorweihnachtszeit im Jahr 1975 will der Soldat der NAtionalen Volksarmee vom Osten in den Westen "rübermachen" - unter Einsatz seines Lebens. Denn mit Beginn seiner Flucht wird aus Werner der "Deserteur Weinhold".

The first round of the 3M Open in Blaine got underway today. Chris Weinhold, GM of the TPC in Blaine joins Mike Max to discuss day one of the tournament.

Steffen "Raffi" Weinhold verrät uns in dieser Folge, über was in der letzten Reihe im Team-Bus gesprochen wird, wer momentan der Tippkönig der Mannschaft ist und wir sprechen über seinen Abschied aus der Nationalmannschaft.

In der aktuellen Folge GothaerPersönlich spricht Dr. Max Weinhold über Parallelen zwischen Team- und Profisport und der Gothaer.

In dieser Spezialfolge einen Tag vor dem letzten Final4 in Hamburg erfahrt ihr von unserem Gast Steffen Weinhold, wie die Trainingswoche vor dem Turnier aussieht, wie sich die Jungs vor dem Halbfinale die Zeit vertreiben und wie er das kommende Spiel einschätzt.

Mon, 07 Mar 2022 07:00:00 +0000 https://omt-magazin.podigee.io/9051-neue-episode e187388a0f5f91eeaec876687d994b0e ℹ️ Ralph Weinhold beim OMT ℹ️ OMT Webinare ℹ️ OMT Konferenz 2022 9051 full no Amazon Marketing,OMT,OMT Magazin,E-Commerce,Perfomrance,Amazon,Verkaufen auf Amazon Nils Prager, Ralph Weinhold

Steffen gehörte ein Jahrzehnt zur Handball-Nationalmannschaft. Große Titel sammelte der Familienvater nach seinem Startschuss, dem Gewinn der Champions League mit dem THW Kiel 2014, noch einige. Beim Gewinn der Europameisterschaft 2016 führte das Rückraumass sein Team als Kapitän auf's Feld. Steffen gilt als der stille Routinier, der gerne bewusst medial nicht so präsent ist. Umso mehr freut es mich, dass er heute bei uns zu Gast ist. Die Geschichte von Steffen ist es wert erzählt zu werden. Sie ist es nicht nur wert, sondern auch pure Inspiration und wird als deine mentale Trainingseinheit zu deinem Erfolg beitragen. In dieser Trainingseinheit spricht Steffen u.a. darüber … … wie Teamspirit zu Mannschaftserfolgen führt. … warum er sich mit der Definition von Erfolg so schwer tut und worauf er achtet. … die Weitsicht und Herausforderungen während der sportlichen Karriere für die Zeit danach. Deine Show-Notes: Steffen auf Instagram: https://www.instagram.com/steffenweinhold13 https://www.instagram.com/offensivspiel/  - Folge uns auf Instagram, um exklusiven Content zu bekommen. Kontaktiere uns jederzeit direkt unter offensivspiel_podcast@outlook.de   Folge 59: Wird 2022 anders? https://traffic.libsyn.com/secure/offensivspiel/59_Solofolge_.mp3   Folge 60: Erfolgreich deine Lebensvision designen – so geht es!  https://traffic.libsyn.com/secure/offensivspiel/60_Solofolge.mp3

Steffen gehörte ein Jahrzehnt zur Handball-Nationalmannschaft. Große Titel sammelte der Familienvater nach seinem Startschuss, dem Gewinn der Champions League mit dem THW Kiel 2014, noch einige. Beim Gewinn der Europameisterschaft 2016 führte das Rückraumass sein Team als Kapitän auf's Feld. Steffen gilt als der stille Routinier, der gerne bewusst medial nicht so präsent ist. Umso mehr freut es mich, dass er heute bei uns zu Gast ist. Die Geschichte von Steffen ist es wert erzählt zu werden. Sie ist es nicht nur wert, sondern auch pure Inspiration und wird als deine mentale Trainingseinheit zu deinem Erfolg beitragen. In dieser Trainingseinheit spricht Steffen u.a. darüber … … wie Teamspirit zu Mannschaftserfolgen führt. … warum er sich mit der Definition von Erfolg so schwer tut und worauf er achtet. … die Weitsicht und Herausforderungen während der sportlichen Karriere für die Zeit danach. Deine Show-Notes: Steffen auf Instagram: https://www.instagram.com/steffenweinhold13 https://www.instagram.com/offensivspiel/  - Folge uns auf Instagram, um exklusiven Content zu bekommen. Kontaktiere uns jederzeit direkt unter offensivspiel_podcast@outlook.de   Folge 59: Wird 2022 anders? https://traffic.libsyn.com/secure/offensivspiel/59_Solofolge_.mp3 Folge 60: Erfolgreich deine Lebensvision designen – so geht es!  https://traffic.libsyn.com/secure/offensivspiel/60_Solofolge.mp3

The Terra Firma Rainwater Collective is weaving together the gathering and storing of rainwater for household use with the prevention of destructive erosion undercutting the foundation of people dwelling in two large cities along the Congo River. Distributing this healing story is a dance of local circles; people conversing in council on how to best benefit the community they live in.

Der THW Kiel ist in der Liga nicht auf Kurs: Rückraumspieler Steffen Weinhold nach überstandener Corona-Infektion über die "Krise" des Rekordmeisters.

Patrick Weinhold trägt seit 2016 die strategische und inhaltliche Verantwortung für die Auftritte der Tagesschau in den sozialen Medien. In dieser Folge erfahren wir mehr über die Arbeit hinter den Kulissen, über den erfolgreichen TikTok-Auftritt und welchen Stellenwert Community Management bei der Tagesschau hat.

Learn about the Space for Art Foundation; how screen time helped kids in lockdown; and mold vs. cleaning product safety.  More from NASA astronaut Nicole Stott: Pick up "Back to Earth: What Life in Space Taught Me About Our Home Planet — and Our Mission to Protect It" https://www.sealpress.com/titles/nicole-stott/back-to-earth/9781541675049/  Website: https://www.npsdiscovery.com/  Follow @Astro_Nicole on Twitter: https://twitter.com/Astro_Nicole   Space for Art Foundation: https://www.spaceforartfoundation.org/ "Screen time" can be a social lifesaver for teens in lockdown — as long as it's the right kind by Cameron Duke Anwar, Y. (2021, September 2). Teenagers aren't as lonely in lockdown if interacting positively online. Berkeley News. https://news.berkeley.edu/2021/09/02/teenagers-arent-as-lonely-in-lockdown-if-interacting-positively-online/  Magis‐Weinberg, L., Gys, C. L., Berger, E. L., Domoff, S. E., & Dahl, R. E. (2021). Positive and Negative Online Experiences and Loneliness in Peruvian Adolescents During the COVID‐19 Lockdown. Journal of Research on Adolescence, 31(3), 717–733. https://doi.org/10.1111/jora.12666  Which is worse, mold or cleaning products? by Ashley Hamer (Listener question from Molly) Basic Facts about Mold and Dampness. (2021). https://www.cdc.gov/mold/faqs.htm  ‌Weinhold, B. (2007). A Spreading Concern: Inhalational Health Effects of Mold. Environmental Health Perspectives, 115(6). https://doi.org/10.1289/ehp.115-a300  ‌Cleaning Supplies and Household Chemicals. (2015). Lung.org; https://www.lung.org/clean-air/at-home/indoor-air-pollutants/cleaning-supplies-household-chem  ‌Alexander, R. (2018, February 22). How Your Housecleaning Products Can Be Bad for Your Lungs. Healthline; Healthline Media. https://www.healthline.com/health-news/how-your-housecleaning-products-can-be-bad-for-your-lungs  Dumas, O., Boggs, K. M., Quinot, C., Varraso, R., Zock, J., Henneberger, P. K., Speizer, F. E., Le Moual, N., & Camargo, C. A. (2019). Occupational exposure to disinfectants and asthma incidence in U.S. nurses: A prospective cohort study. American Journal of Industrial Medicine, 63(1), 44–50. https://doi.org/10.1002/ajim.23067  ‌Svanes, Ø., Bertelsen, R. J., Lygre, S. H. L., Carsin, A. E., Antó, J. M., Forsberg, B., García-García, J. M., Gullón, J. A., Heinrich, J., Holm, M., Kogevinas, M., Urrutia, I., Leynaert, B., Moratalla, J. M., Le Moual, N., Lytras, T., Norbäck, D., Nowak, D., Olivieri, M., & Pin, I. (2018). Cleaning at Home and at Work in Relation to Lung Function Decline and Airway Obstruction. American Journal of Respiratory and Critical Care Medicine, 197(9), 1157–1163. https://doi.org/10.1164/rccm.201706-1311oc  Follow Curiosity Daily on your favorite podcast app to learn something new every day withCody Gough andAshley Hamer. Still curious? Get exclusive science shows, nature documentaries, and more real-life entertainment on discovery+! Go to https://discoveryplus.com/curiosity to start your 7-day free trial. discovery+ is currently only available for US subscribers. See omnystudio.com/listener for privacy information.

Dortmund und Leipzig verlieren in der Fußballl Champions League, Haft droht: Für Hernandez wird die Zeit knapp, Sagosen und Weinhold verpassen Top-Spiele des THW Kiel, FC Bayern ohne Goretzka und Davies bei Benfica

FC Bayern ohne Goretzka und Davies bei Benfica, DFL-Ausbildungsentschädigung: Auch Wirtz und Knauff sind dabei, Haft droht: Für Hernandez wird die Zeit knapp, Sagosen und Weinhold verpassen Top-Spiele des THW Kiel

Let's celebrate National Recovery Month with some LOLs! We're sober, not boring and this line-up is sure to make your face hurt. What better way to end your hump-day than laughing out loud about good old-fashioned recovery jokes? Each comedian will have a 10-15 minute set, followed by a Q&A at the end for the audience to ask questions. Mix up your favorite mocktail and get ready to LMFAO at the Club! Our Special Guests include: Rebecca Rush, Ally Weinhold, Lindsay Adams, and Anna Valenzuela SOBER POP Culture Club Hosts: Alysse Bryson, Founder of The Sober Curator, Brooke Robichaud, Founder of Sober Biz Babe, and katie MACK Founder of the Webby Award-Winning Podcast Fcking Sober the First 90 Days, DJ Missing Mei, Founder of The Creative Sober, and Pop Buchanan, Founder of Sober is Dope! SOBER POP Culture meets on the Clubhouse App every Wednesday at 6 pm Pacific / 7 pm Mountain / 8 pm Central / 9 pm Eastern Come join the club where the conversations always pop! Link to SOBER POP Content @thesobercurator Link to SOBER POP Club on Clubhouse App --- Support this podcast: https://podcasters.spotify.com/pod/show/soberpop/support

Barry K. Weinhold, PhD, is Professor Emeritus at the University of Colorado at Colorado Springs, a licensed psychologist since 1976, and an author or co-author of over 75 books in psychology. During this program, Dr. Barry K. Weinhold will discuss his book, INTIMATE COMBAT: Conflict Resolution Skills For Couples, with listeners. Dr. Barry K. Weinhold will examine the two most prevalent reasons couples struggle to resolve their conflicts. During this conversation, Dr. Barry K. Weinhold will also explore the self assessment techniques in his book that help couples resolve issues that they may be experiencing.

Barry K. Weinhold, PhD, is Professor Emeritus at the University of Colorado at Colorado Springs, a licensed psychologist since 1976, and an author or co-author of over 75 books in psychology. During this program, Dr. Barry K. Weinhold will discuss his book, INTIMATE COMBAT: Conflict Resolution Skills For Couples, with listeners. Dr. Barry K. Weinhold will examine the two most prevalent reasons couples struggle to resolve their conflicts. During this conversation, Dr. Barry K. Weinhold will also explore the self assessment techniques in his book that help couples resolve issues that they may be experiencing.

Menschen leben und lernen von Geschichten. Die Serie „Game of Thrones“ von George R. R. Martin hat zahlreiche davon. Hunderte Charaktere bieten den Zuschauer*innen Möglichkeiten mit ihnen mitzufiebern und sich mit ihnen zu identifizieren. Mark Hübner-Weinhold und Manfred Klapproth haben in ihrem Buch „Leadership by Game of Thrones“ einige der Charaktere auf ihre Führungsqualitäten untersucht und aufgezeigt, was man von ihnen lernen kann. Sie beleuchten die unterschiedlichen Werdegänge, Werte und vieles mehr. In dieser Folge reden wir mit Mark Hübner-Weinhold über die Idee zu dem Buch, verschiedene Führungsansätze und was wirksame Führung ausmacht. Eine Folge für Fans der Serie und solche, die es noch werden möchten. Jetzt reinhören! Shownotes: http://www.vahlen.de/productview.aspx?product=27786522&medium=print https://www.beck-shop.de/leadership-by-game-of-thrones/product/27786522 Folge direkt herunterladen

„Warum habe ausgerechnet ich ein Multiples Myelom bekommen?“ ist eine Frage, die sich Betroffene aufgrund der Seltenheit der Erkrankung häufig stellen. In Folge 1 der Podcastserie „Multiples zum Myelom“ spricht Dr. Rasche mit Herrn Dr. Weinhold aus Heidelberg unter anderem über Risikofaktoren, die Entstehung der ersten Myelomzelle und inwieweit das Multiple Myelom heilbar ist.(MAT-DE-2102965v1.0 06/2021)

The problem of cheap coffee keeps producers trapped in cycles of poverty and keeps the power in the hands of those least impacted by what is at best a global crisis. What has led to this current state of the industry and how can we be informed and equipped to make changes with the power we each posses to create a better future and tip the scales in favor of those whose lives are literally on the line? Well that is the subject of the new book "Cheap Coffee" by today's guest, Karl Weinhold. Karl Wienhold is a consultant, researcher and organizer of postcolonial rural development. He is dedicated to trying to better understand and undo extractive economic power structures that have oppressed people and degraded ecosystems to enrich others since colonial times. He studies coffee, microeconomics, agroforestry, circular economies, and generally fitting square pegs through round holes. He spent several years working as a management consultant specializing in international trade, later shifting to rural development economics and focusing on improving agricultural value chains of tropical cash crops for public, private, and third sector clients. Since founding the farmers' collective Cedro Alto in 2013, he has been supporting smallholder coffee farmers in Colombia, advocating for them in export markets, and moving physical coffee around the world. He has an MBA in global management, resides in Colombia, and is the author of the book "Cheap Coffee. In our conversation today we talk about Karls journey in coffee and how his experiences, research, and philosophies have developed and contributed to this book. We explore many facets of Cheap Coffee and discuss questions related to the mechanisms behind the crisis and what we need to be aware of in order to take more informed actions as individuals and business owners.  We cover: Sustainability and the need for definitions Power structures Changing for long term benefit How we market and what we practice The complexity of both the problem and the solutions The mechanisms at work behind the scenes Perpetuating poverty porn Ownership of images and the supply chain Better business models  Helping without condescension  Curiosity, investigation, and purposeful partnerships Links: www.cheapcoffeebook.com Karls Youtube Channel    Related episodes to listen to next: 265 : Gaining Clarity on Transparency w/ Jonas Lorenz of The Pledge 072: Taking an Origin Trip w/ Kim Elena-Ionescu : How to go to origin in a mutual beneficial way 061 : You Don't Know Beans about Brazil w/ Kelly Stein, Coffea Podcast 020 Joe Marrocco : Transparency, Origin Knowledge,and Your Shop : How to approach and apply coffee origin information to enhance, not detract, from the cafe experience RoR #6: Buying Less and Doing More w/ Ever Meister   Visit our sponsors! www.prima-coffee.com/keys www.pacficfoodservice.com www.coffeefest.com  

Barry K. Weinhold, PhD, is Professor Emeritus at the University of Colorado at Colorado Springs, a licensed psychologist since 1976, and an author or co-author of over 75 books in psychology. During this program, Dr. Barry K. Weinhold will discuss his book, GET REAL: The Hazards of Living Out of Your False Self, with listeners. Dr. Barry K. Weinhold will examine the hazards of living out of your False Self, as well as the difference between one's False Self and one's Authentic Self. During this conversation, Dr. Barry K. Weinhold will also explore how to build your Authentic Self by avoiding the hazards put forth by your False Self.

http://www.thelandgeek.com  In this episode I discuss investment tips with Keith Weinhold, host of one of the top investment podcasts in the US, Get Rich Education.  Keith talks about making other people's money work for YOU and offers valuable insight into how YOU can get started. Subscribe to the free weekly podcast on iTunes here-- https://itunes.apple.com/us/podcast/best-passive-income-model/id962468381  Want to learn how to flip land?  Get The Passive Income Launch Kit today for $7.00 ($97 Value) at http://bit.ly/1E6KIOu Invest in Wholesale land at http://www.frontierpropertiesusa.com