Podcasts about western us

A YOUNG British woman is in a Sri Lankan jail, accused of trying to smuggle a disturbing new drug called kush into the country.   Kush comes from West Africa, where it's reportedly the cause of about a dozen overdose deaths a week in Sierra Leone. It's made of synthetic cannabis, opioids—and, reportedly, ground human bone. The accused woman, 21-year-old Charlotte May of South London, was stopped at the airport in Colombo, Sri Lanka with 100 pounds of kush in her luggage with a street value of about $3.3 million. May claims she doesn't know how it got into her bags. We make no judgment on Ms. May; it's possible she was an unwitting drug mule. What's disturbing about this story is that human bones are reportedly incorporated into this drug, and that it's apparently being shipped around the world. We also discuss a recent case from South Africa, where a woman and two accomplices were sentenced to life in prison this week for selling her then-6-year-old daughter for $1,100 last year to a traditional healer who wanted to harvest the girl's skin and eyes—green, a relative rarity in South Africa—for ritual purposes. The world is returning to pre-Christian paganism at the same time it's drawing closer to World War 3. Early this week, German Chancellor Friedrich Merz declared that the US, UK, and Germany has removed all restrictions on how weapons supplied to Ukraine can be used in NATO's proxy war with Russia. This has not been confirmed by the United States or United Kingdom, and even Germany's own Defense Ministry has not confirmed the change in how its missiles can be used. However, it seems that Europe's Big Three—Germany, France, and the UK—are bound and determined to provoke open war with Russia, and top drag the United States into it whether the American people want it or not.  In our view, this is the work of principalities and powers behind the scenes trying to set the stage for the emergence of a false savior, the Antichrist. Also: Emanuel Macron publicly emasculated by his wife; rewilding the Western US costing cattle ranchers; and happy birthday to Pat Boone and Clint Eastwood. Our new book The Gates of Hell is now available in paperback, Kindle, and as an audiobook at Audible! Derek's new book Destination: Earth, co-authored with Donna Howell and Allie Anderson, is now available in paperback, Kindle, and as an audiobook at Audible! Sharon's niece, Sarah Sachleben, was recently diagnosed with stage 4 bowel cancer, and the medical bills are piling up. If you are led to help, please go to GilbertHouse.org/hopeforsarah. Follow us! X (formerly Twitter): @pidradio | @sharonkgilbert | @derekgilbert | @gilberthouse_tvTelegram: t.me/gilberthouse | t.me/sharonsroom | t.me/viewfromthebunkerSubstack: gilberthouse.substack.comYouTube: @GilbertHouse | @UnravelingRevelationFacebook.com/pidradio —————— JOIN US AND SPECIAL GUEST CARL TEICHRIB IN ISRAEL! We will tour the Holy Land October 19–30, 2025, with an optional three-day extension in Jordan. For more information, log on to GilbertHouse.org/travel. Thank you for making our Build Barn Better project a reality! Our 1,200 square foot pole barn has a new HVAC system, epoxy floor, 100-amp electric service, new windows, insulation, lights, and ceiling fans! If you are so led, you can help out by clicking here: gilberthouse.org/donate. Get our free app! It connects you to this podcast, our weekly Bible studies, and our weekly video programs Unraveling Revelation and A View from the Bunker. The app is available for iOS, Android, Roku, and Apple TV. Links to the app stores are at pidradio.com/app. Video on demand of our best teachings! Stream presentations and teachings based on our research at our new video on demand site: gilberthouse.org/video! Think better, feel better! Our partners at Simply Clean Foods offer freeze-dried, 100% GMO-free food and delicious, vacuum-packed fair trade coffee from Honduras. Find out more at GilbertHouse.org/store/.

Red Canyon Resources (CSE:REDC - OTCQB:REDRF) is advancing a portfolio of 8 100%-owned copper and copper-gold projects across British Columbia and the Western U.S.   Wendell Zerb, Chairman and CEO of Red Canyon Resources, returns for a full company update and strategic overview. With active field programs underway and recent discoveries showing promise, Wendell outlines how the company is targeting tier-one copper systems in proven belts across North America.   Interview Highlights: Corporate Strategy: Red Canyon is focused on making large-scale discoveries with a technically strong team operating under the NewQuest Capital Group umbrella. Key Projects: Kendall Project (BC): First-ever drilling hit copper-moly-gold mineralization in all holes. A 2,500m drill program is planned this year to vector into potential high-grade zones. Inzana Project (BC): Historic drilling from 1991 intersected strong copper-gold values; further groundwork and potential drilling are planned for late 2025 or early 2026. Scraper Springs (Nevada): A large alteration footprint and geophysical data support a tier-one copper target. The project is drill-ready and being evaluated for a possible partner-funded program. Market Outlook: Wendell shares his view on the disconnect between strong copper prices and the lack of investor flow into juniors, arguing that M&A activity and major producer strength will eventually trickle down. For more information, visit Red Canyon Resources Website

Weather Update and Forecast Current conditions feature stable, pleasant weather  A localized rain event occurred the previous night (May 7th) across central Iowa, with amounts around 0.21 inches in some areas Weather pattern is currently dictated by an "Omega block" high pressure system creating stable air Forecast shows temperatures warming into the 80s with relatively dry conditions 6-10 and 8-14 day outlooks indicate: Above normal temperatures for Iowa, though this pattern is moving eastward Above normal precipitation chances in the coming weeks Western US expected to have below normal temperatures Historical Weather Note On May 8, 1964, Iowa experienced very strong winds (60-75 mph, up to 85 mph in Des Moines) This created widespread dust storms described as the worst since the 1930s Climate Patterns Discussion A temperature gradient between western and eastern US suggests potential for a more active storm track Possible thunderstorm conditions developing May 15-21 Recent precipitation has been below normal over the past week Temperature gradient with southern Iowa cooler than normal and northern Iowa warmer than normal Specialty Crop Focus: Cut Flowers for Mother's Day Dan discussed preparing cut flowers for Mother's Day sales Highlighted benefits of overwintering certain flowers in low tunnels: Earlier blooming than spring-planted flowers Longer stems on cool-weather flowers Currently blooming: Iceland poppy, bachelor's button Nearly ready: foxglove Other successful overwintered varieties: dianthus, campanula, larkspur, delphinium, Nigella, bupleurum, bells of Ireland Shared an alternative low tunnel design using carabiners, hose clamps, and bungee cords Addressed a flower disease issue: blue mold affecting tulips Disease infects bulbs during harvest Shows variety-specific impacts Management includes identifying infected bulbs before planting Episode Summary generated by Claude.ai

Spying in South Asia: Britain, the United States, and India's Secret Cold War (Cambridge UP, 2024) is the first comprehensive history of India's secret Cold War. It examines interventions made by the intelligence and security services of Britain and the United States in post-colonial India and their strategic, political, and socio-cultural impact on the subcontinent. It showcases how the interventions of these intelligence agencies have had a significant and enduring impact on the political and social fabric of South Asia. The specter of a 'foreign hand', or external intelligence activity, real and imagined, has occupied a prominent place in India's political discourse, journalism, and cultural production. The book probes the nexus between intelligence and statecraft in South Asia. It analyses how the relationships between agencies and governments helped shaping Indian democracy. Through a lively cast of characters and an analysis of covert operations, the book explores Western (US and UK) as well as Soviet perceptions of India during the Cold War. At the same time, it points to India's agency in plying the Cold War game. The book also moves beyond the Cold War to explore Indian intelligence in the post-Cold War years and in the aftermath of 9/11. Looking at the relationship between intelligence, politics, society, and (pop)culture, the book asks why, in contrast to Western assumptions about surveillance, South Asians associate intelligence with covert action, grand conspiracy, and justifications for repression. In doing so, it uncovers a fifty-year battle for hearts and minds in the Indian subcontinent. Paul McGarr is a lecturer in intelligence studies at King's College London. He has published over two dozen peer-reviewed journal articles and book chapters on South Asian security and intelligence issues These have appeared in Intelligence & National Security, The Journal of Strategic Studies, Diplomatic History, The International History Review and many other journals and edited collections. He is also the author of two monographs, The Cold War in South Asia: Britain, the United States and the Indian Subcontinent, 1945-1965 published by Cambridge University Press in 2013 and Spying in South Asia: Britain, the United States and India's Secret Cold War published by Cambridge University Press in 2024. Mentioned: The Church Committee Report (Senate Select Committee to Study Governmental Operations with Respect to Intelligence Activities (1976), Paul Mc Garr, The Cold War in South Asia (2013) Luca Trenta, The President's Kill List (2023) Hugh Wilford, The CIA: An Imperial History (2024) JFK Assassination Records Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/history

Spying in South Asia: Britain, the United States, and India's Secret Cold War (Cambridge UP, 2024) is the first comprehensive history of India's secret Cold War. It examines interventions made by the intelligence and security services of Britain and the United States in post-colonial India and their strategic, political, and socio-cultural impact on the subcontinent. It showcases how the interventions of these intelligence agencies have had a significant and enduring impact on the political and social fabric of South Asia. The specter of a 'foreign hand', or external intelligence activity, real and imagined, has occupied a prominent place in India's political discourse, journalism, and cultural production. The book probes the nexus between intelligence and statecraft in South Asia. It analyses how the relationships between agencies and governments helped shaping Indian democracy. Through a lively cast of characters and an analysis of covert operations, the book explores Western (US and UK) as well as Soviet perceptions of India during the Cold War. At the same time, it points to India's agency in plying the Cold War game. The book also moves beyond the Cold War to explore Indian intelligence in the post-Cold War years and in the aftermath of 9/11. Looking at the relationship between intelligence, politics, society, and (pop)culture, the book asks why, in contrast to Western assumptions about surveillance, South Asians associate intelligence with covert action, grand conspiracy, and justifications for repression. In doing so, it uncovers a fifty-year battle for hearts and minds in the Indian subcontinent. Paul McGarr is a lecturer in intelligence studies at King's College London. He has published over two dozen peer-reviewed journal articles and book chapters on South Asian security and intelligence issues These have appeared in Intelligence & National Security, The Journal of Strategic Studies, Diplomatic History, The International History Review and many other journals and edited collections. He is also the author of two monographs, The Cold War in South Asia: Britain, the United States and the Indian Subcontinent, 1945-1965 published by Cambridge University Press in 2013 and Spying in South Asia: Britain, the United States and India's Secret Cold War published by Cambridge University Press in 2024. Mentioned: The Church Committee Report (Senate Select Committee to Study Governmental Operations with Respect to Intelligence Activities (1976), Paul Mc Garr, The Cold War in South Asia (2013) Luca Trenta, The President's Kill List (2023) Hugh Wilford, The CIA: An Imperial History (2024) JFK Assassination Records Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Spying in South Asia: Britain, the United States, and India's Secret Cold War (Cambridge UP, 2024) is the first comprehensive history of India's secret Cold War. It examines interventions made by the intelligence and security services of Britain and the United States in post-colonial India and their strategic, political, and socio-cultural impact on the subcontinent. It showcases how the interventions of these intelligence agencies have had a significant and enduring impact on the political and social fabric of South Asia. The specter of a 'foreign hand', or external intelligence activity, real and imagined, has occupied a prominent place in India's political discourse, journalism, and cultural production. The book probes the nexus between intelligence and statecraft in South Asia. It analyses how the relationships between agencies and governments helped shaping Indian democracy. Through a lively cast of characters and an analysis of covert operations, the book explores Western (US and UK) as well as Soviet perceptions of India during the Cold War. At the same time, it points to India's agency in plying the Cold War game. The book also moves beyond the Cold War to explore Indian intelligence in the post-Cold War years and in the aftermath of 9/11. Looking at the relationship between intelligence, politics, society, and (pop)culture, the book asks why, in contrast to Western assumptions about surveillance, South Asians associate intelligence with covert action, grand conspiracy, and justifications for repression. In doing so, it uncovers a fifty-year battle for hearts and minds in the Indian subcontinent. Paul McGarr is a lecturer in intelligence studies at King's College London. He has published over two dozen peer-reviewed journal articles and book chapters on South Asian security and intelligence issues These have appeared in Intelligence & National Security, The Journal of Strategic Studies, Diplomatic History, The International History Review and many other journals and edited collections. He is also the author of two monographs, The Cold War in South Asia: Britain, the United States and the Indian Subcontinent, 1945-1965 published by Cambridge University Press in 2013 and Spying in South Asia: Britain, the United States and India's Secret Cold War published by Cambridge University Press in 2024. Mentioned: The Church Committee Report (Senate Select Committee to Study Governmental Operations with Respect to Intelligence Activities (1976), Paul Mc Garr, The Cold War in South Asia (2013) Luca Trenta, The President's Kill List (2023) Hugh Wilford, The CIA: An Imperial History (2024) JFK Assassination Records Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/military-history

Spying in South Asia: Britain, the United States, and India's Secret Cold War (Cambridge UP, 2024) is the first comprehensive history of India's secret Cold War. It examines interventions made by the intelligence and security services of Britain and the United States in post-colonial India and their strategic, political, and socio-cultural impact on the subcontinent. It showcases how the interventions of these intelligence agencies have had a significant and enduring impact on the political and social fabric of South Asia. The specter of a 'foreign hand', or external intelligence activity, real and imagined, has occupied a prominent place in India's political discourse, journalism, and cultural production. The book probes the nexus between intelligence and statecraft in South Asia. It analyses how the relationships between agencies and governments helped shaping Indian democracy. Through a lively cast of characters and an analysis of covert operations, the book explores Western (US and UK) as well as Soviet perceptions of India during the Cold War. At the same time, it points to India's agency in plying the Cold War game. The book also moves beyond the Cold War to explore Indian intelligence in the post-Cold War years and in the aftermath of 9/11. Looking at the relationship between intelligence, politics, society, and (pop)culture, the book asks why, in contrast to Western assumptions about surveillance, South Asians associate intelligence with covert action, grand conspiracy, and justifications for repression. In doing so, it uncovers a fifty-year battle for hearts and minds in the Indian subcontinent. Paul McGarr is a lecturer in intelligence studies at King's College London. He has published over two dozen peer-reviewed journal articles and book chapters on South Asian security and intelligence issues These have appeared in Intelligence & National Security, The Journal of Strategic Studies, Diplomatic History, The International History Review and many other journals and edited collections. He is also the author of two monographs, The Cold War in South Asia: Britain, the United States and the Indian Subcontinent, 1945-1965 published by Cambridge University Press in 2013 and Spying in South Asia: Britain, the United States and India's Secret Cold War published by Cambridge University Press in 2024. Mentioned: The Church Committee Report (Senate Select Committee to Study Governmental Operations with Respect to Intelligence Activities (1976), Paul Mc Garr, The Cold War in South Asia (2013) Luca Trenta, The President's Kill List (2023) Hugh Wilford, The CIA: An Imperial History (2024) JFK Assassination Records Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/south-asian-studies

Spying in South Asia: Britain, the United States, and India's Secret Cold War (Cambridge UP, 2024) is the first comprehensive history of India's secret Cold War. It examines interventions made by the intelligence and security services of Britain and the United States in post-colonial India and their strategic, political, and socio-cultural impact on the subcontinent. It showcases how the interventions of these intelligence agencies have had a significant and enduring impact on the political and social fabric of South Asia. The specter of a 'foreign hand', or external intelligence activity, real and imagined, has occupied a prominent place in India's political discourse, journalism, and cultural production. The book probes the nexus between intelligence and statecraft in South Asia. It analyses how the relationships between agencies and governments helped shaping Indian democracy. Through a lively cast of characters and an analysis of covert operations, the book explores Western (US and UK) as well as Soviet perceptions of India during the Cold War. At the same time, it points to India's agency in plying the Cold War game. The book also moves beyond the Cold War to explore Indian intelligence in the post-Cold War years and in the aftermath of 9/11. Looking at the relationship between intelligence, politics, society, and (pop)culture, the book asks why, in contrast to Western assumptions about surveillance, South Asians associate intelligence with covert action, grand conspiracy, and justifications for repression. In doing so, it uncovers a fifty-year battle for hearts and minds in the Indian subcontinent. Paul McGarr is a lecturer in intelligence studies at King's College London. He has published over two dozen peer-reviewed journal articles and book chapters on South Asian security and intelligence issues These have appeared in Intelligence & National Security, The Journal of Strategic Studies, Diplomatic History, The International History Review and many other journals and edited collections. He is also the author of two monographs, The Cold War in South Asia: Britain, the United States and the Indian Subcontinent, 1945-1965 published by Cambridge University Press in 2013 and Spying in South Asia: Britain, the United States and India's Secret Cold War published by Cambridge University Press in 2024. Mentioned: The Church Committee Report (Senate Select Committee to Study Governmental Operations with Respect to Intelligence Activities (1976), Paul Mc Garr, The Cold War in South Asia (2013) Luca Trenta, The President's Kill List (2023) Hugh Wilford, The CIA: An Imperial History (2024) JFK Assassination Records Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/national-security

Spying in South Asia: Britain, the United States, and India's Secret Cold War (Cambridge UP, 2024) is the first comprehensive history of India's secret Cold War. It examines interventions made by the intelligence and security services of Britain and the United States in post-colonial India and their strategic, political, and socio-cultural impact on the subcontinent. It showcases how the interventions of these intelligence agencies have had a significant and enduring impact on the political and social fabric of South Asia. The specter of a 'foreign hand', or external intelligence activity, real and imagined, has occupied a prominent place in India's political discourse, journalism, and cultural production. The book probes the nexus between intelligence and statecraft in South Asia. It analyses how the relationships between agencies and governments helped shaping Indian democracy. Through a lively cast of characters and an analysis of covert operations, the book explores Western (US and UK) as well as Soviet perceptions of India during the Cold War. At the same time, it points to India's agency in plying the Cold War game. The book also moves beyond the Cold War to explore Indian intelligence in the post-Cold War years and in the aftermath of 9/11. Looking at the relationship between intelligence, politics, society, and (pop)culture, the book asks why, in contrast to Western assumptions about surveillance, South Asians associate intelligence with covert action, grand conspiracy, and justifications for repression. In doing so, it uncovers a fifty-year battle for hearts and minds in the Indian subcontinent. Paul McGarr is a lecturer in intelligence studies at King's College London. He has published over two dozen peer-reviewed journal articles and book chapters on South Asian security and intelligence issues These have appeared in Intelligence & National Security, The Journal of Strategic Studies, Diplomatic History, The International History Review and many other journals and edited collections. He is also the author of two monographs, The Cold War in South Asia: Britain, the United States and the Indian Subcontinent, 1945-1965 published by Cambridge University Press in 2013 and Spying in South Asia: Britain, the United States and India's Secret Cold War published by Cambridge University Press in 2024. Mentioned: The Church Committee Report (Senate Select Committee to Study Governmental Operations with Respect to Intelligence Activities (1976), Paul Mc Garr, The Cold War in South Asia (2013) Luca Trenta, The President's Kill List (2023) Hugh Wilford, The CIA: An Imperial History (2024) JFK Assassination Records

Spying in South Asia: Britain, the United States, and India's Secret Cold War (Cambridge UP, 2024) is the first comprehensive history of India's secret Cold War. It examines interventions made by the intelligence and security services of Britain and the United States in post-colonial India and their strategic, political, and socio-cultural impact on the subcontinent. It showcases how the interventions of these intelligence agencies have had a significant and enduring impact on the political and social fabric of South Asia. The specter of a 'foreign hand', or external intelligence activity, real and imagined, has occupied a prominent place in India's political discourse, journalism, and cultural production. The book probes the nexus between intelligence and statecraft in South Asia. It analyses how the relationships between agencies and governments helped shaping Indian democracy. Through a lively cast of characters and an analysis of covert operations, the book explores Western (US and UK) as well as Soviet perceptions of India during the Cold War. At the same time, it points to India's agency in plying the Cold War game. The book also moves beyond the Cold War to explore Indian intelligence in the post-Cold War years and in the aftermath of 9/11. Looking at the relationship between intelligence, politics, society, and (pop)culture, the book asks why, in contrast to Western assumptions about surveillance, South Asians associate intelligence with covert action, grand conspiracy, and justifications for repression. In doing so, it uncovers a fifty-year battle for hearts and minds in the Indian subcontinent. Paul McGarr is a lecturer in intelligence studies at King's College London. He has published over two dozen peer-reviewed journal articles and book chapters on South Asian security and intelligence issues These have appeared in Intelligence & National Security, The Journal of Strategic Studies, Diplomatic History, The International History Review and many other journals and edited collections. He is also the author of two monographs, The Cold War in South Asia: Britain, the United States and the Indian Subcontinent, 1945-1965 published by Cambridge University Press in 2013 and Spying in South Asia: Britain, the United States and India's Secret Cold War published by Cambridge University Press in 2024. Mentioned: The Church Committee Report (Senate Select Committee to Study Governmental Operations with Respect to Intelligence Activities (1976), Paul Mc Garr, The Cold War in South Asia (2013) Luca Trenta, The President's Kill List (2023) Hugh Wilford, The CIA: An Imperial History (2024) JFK Assassination Records Learn more about your ad choices. Visit megaphone.fm/adchoices

Spying in South Asia: Britain, the United States, and India's Secret Cold War (Cambridge UP, 2024) is the first comprehensive history of India's secret Cold War. It examines interventions made by the intelligence and security services of Britain and the United States in post-colonial India and their strategic, political, and socio-cultural impact on the subcontinent. It showcases how the interventions of these intelligence agencies have had a significant and enduring impact on the political and social fabric of South Asia. The specter of a 'foreign hand', or external intelligence activity, real and imagined, has occupied a prominent place in India's political discourse, journalism, and cultural production. The book probes the nexus between intelligence and statecraft in South Asia. It analyses how the relationships between agencies and governments helped shaping Indian democracy. Through a lively cast of characters and an analysis of covert operations, the book explores Western (US and UK) as well as Soviet perceptions of India during the Cold War. At the same time, it points to India's agency in plying the Cold War game. The book also moves beyond the Cold War to explore Indian intelligence in the post-Cold War years and in the aftermath of 9/11. Looking at the relationship between intelligence, politics, society, and (pop)culture, the book asks why, in contrast to Western assumptions about surveillance, South Asians associate intelligence with covert action, grand conspiracy, and justifications for repression. In doing so, it uncovers a fifty-year battle for hearts and minds in the Indian subcontinent. Paul McGarr is a lecturer in intelligence studies at King's College London. He has published over two dozen peer-reviewed journal articles and book chapters on South Asian security and intelligence issues These have appeared in Intelligence & National Security, The Journal of Strategic Studies, Diplomatic History, The International History Review and many other journals and edited collections. He is also the author of two monographs, The Cold War in South Asia: Britain, the United States and the Indian Subcontinent, 1945-1965 published by Cambridge University Press in 2013 and Spying in South Asia: Britain, the United States and India's Secret Cold War published by Cambridge University Press in 2024. Mentioned: The Church Committee Report (Senate Select Committee to Study Governmental Operations with Respect to Intelligence Activities (1976), Paul Mc Garr, The Cold War in South Asia (2013) Luca Trenta, The President's Kill List (2023) Hugh Wilford, The CIA: An Imperial History (2024) JFK Assassination Records Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/british-studies

Big changes are coming to much of the West following the recent buildup of heat from late last week. The downward temperature slide will accelerate and be accompanied by drenching thunderstorms and snow for some. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, author, life coach/pastor Mark Collins talks about how to become "divorce proof", reminding us that our spouse is a benefit, not a necessity. Align yourself with who you were created to be. He also gives a golden nugget to newlyweds. BIOMark is a Business / Life Coach, the founder of Freedom For Life, LLC and author of the transformational leadership book, “LIFE MASTERY: Living life by design, not by default.” He has a singular passion to see men unleashed as the Hero they are created to be in their business, relationships and life.Mark has developed and launched his Life Mastery online course and has seen hundreds of lives transformed. He has also had the privilege of speaking at conferences throughout the Western US.(2) Facebook_freedomforlife_ - YouTubeMark Collins (@_freedomforlife_) • Instagram photos and videosFreedom For Life - You Unleashed#alittlelessfearpodcast #divorceproof #author #pastor #relationships #relationshipadvice #loveyourself #healyourself #healyourselffirst This is Dr. Lino Martinez the host for A Little Less Fear Podcast. For more information, please use the information below. Thanks so much for your support!Author | A Little Less FearA Little LESS FEAR Podcast (@alittlelessfearpodcast) • Instagram photos and videosLino Marinez (@alittlelessfear) TikTok | Watch Lino Marinez's Newest TikTok Videos(4) A Little Less Fear Podcast - YouTube

Mark is a Business / Life Coach, the founder of Freedom For Life, LLC and author of the transformational leadership book, “LIFE MASTERY: Living life by design, not by default.” He has a singular passion to see men unleashed as the Hero they are created to be in their business, relationships and life.Mark has developed and launched his Life Mastery online course and has seen hundreds of lives transformed. He has also had the privilege of speaking at conferences throughout the Western US.http://freedom-for-life.net/Become a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.

Davey Allen is a versatile songwriter, musician, and artist. His work is deeply rooted in the vast American songbook. Allen has played music professionally for the past 20 years, the last six with Davey and The Midnights. The band formed on the west-side of Los Angeles, California in 2017. The group immediately set out to establish themselves as one of the hardest working Americana bands in Southern California. They've toured up and down the Western US coast, the deserts of the Southwest, the Rocky Mountains, the cornfields of the Midwest, and through the musical heartland of the US South. Since 2021 the band has called Indianapolis, Indiana home.Davey and The Midnights have shared the stage with acts such as Kelsey Waldon, Dale Watson, Jesse Daniel, Nikki Lane, TK and the Holy Know-Nothings, the Cordovas, Cristina Vane, Chris Pierce, Rob Leines, and Izaak Opatz. Their emotionally charged, high energy performances are not to be missed. Davey has also toured extensively as a solo artist and as keyboardist for rock hall of famer Eric Burdon. In addition, he has toured as a member of the San Francisco rock band The Stone Foxes. Davey is an advocate of many social causes and has previously donated a portion of his album sales to the Dolores Huerta Foundation and the Citizen Potawatomi Nation Cultural Center.

Buzzwords like "biotransformation" and "thiolized" are thrown around a lot in modern hop forward brewing techniques and products, but what is actually happening during fermentation that makes these aromatic compounds shine? The goal is to get the most terpenes and thiols possible out of your hops, and by learning about the complex mechanisms responsible we can harness the power of yeast to maximize your beers potential.Kyle Somers (he/him) is the Technical Sales Manager for California and the Western US for the Lallemand Brewing division, and the current President of the Northern California district of the Master Brewers Association. He holds an International Brewing Diploma from Siebel Institute of Technology in Chicago and Doemens Academy in Munich, and has ten years of hands-on production brewing experience prior to joining the Lallemand team in 2019, including stints with Firestone Walker, Lagunitas, and Hen House Brewing. He currently lives in Santa Rosa with his wife Kristin and his dog Simcoe. His favorite beer styles are hop forward modern lagers, and when he isn't hanging around a brewery you can find him backpacking through the Sierras.Stay up to date with CBP:http://update.craftbeerprofessionals.org/Join us in-person for CBP ConnectsHalf workshop, half networkingCharlotte, NC | June 9-11, 2025Register now:https://tickets.beertrail.com/e/cbp-connects-charlotte

With so much water in the eastern U.S., why can't the region pipe some of it to its drought-prone neighbors in the West? This perennial question nags climate journalists and western water managers alike. We break down why building a pipeline is unrealistic right now for the Colorado River. Related episodes:How Colorado towns are trying to get some water certainty The trouble with water discounts For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

An atmospheric river is expected to bring the biggest rain storm so far this year to the Western U.S. Days of rain and some snow are forecast to hit portions of the Northwest and California, bringing the risk of flooding and landslides Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a text“It's not the what. It's the why.” ~ Mark CollinsGuest Bio: Mark is a Husband, Father, Pastor & Business / Life Coach with a passion to see Christian Men equipped to be the HERO God created them to be. He has authored his first book, “Life Mastery: Living life by design, not by default”. He has developed and launched his Life Mastery online course and has had the privilege of speaking at conferences throughout the Western US. In over 15 years of working with men as a Christian coach and Pastor, Mark has seen hundreds of lives changed and callings unleashed.SHOW NOTES: Website: http://freedom-for-life.netFacebook:https://www.facebook.com/FreedForLife/YouTube:https://www.youtube.com/channel/UCw1A7tteCrpLj_d9ejzDWRg REMARKABLE LISTENER SPECIAL OFFER(S):REMARKABLE OFFER 1: Save 30% to 80% on EVERYTHING you order at MyPillow.com with Free Promo Code, “REMARKABLE“. Yes, that's right! Use the best My Pillow promo code out there to save a ton of money on all 250+ quality, comfortable, cozy home goods at MyPillow.com/Remarkable. From sheets, to blankets, to pillows, to mattress toppers, be ready to sleep better and live more comfortably than you ever have before!REMARKABLE OFFER 2: Try Mark's free “Discovery Tool” on my website that the you can take to find out where you are in your “Life Mastery journey” and, more importantly, what you can do to get to the next level! CORE THEMES, KEYWORDS, & MENTIONS:life transitions, military family, living up to fathers expectations, imprints from our past, entrepreneurship, medicating pain, relationship vs religion, independence, identity statement, man of God, joy, peace, Christians, habits, the checklist for Christianity, goals, the journey, business success, imposter syndrome, transformation, change, confidence, assurance, I am statements, mastering your thoughts, life mastery, Bible, pastor, prayer For more Remarkable Episodes, Inspiration, Support the showWant Even More?

The last few days we've been tracking some of the nominees for Donald Trump's Insane Clown Posse Cabinet. Starting with Chris Wright at Energy (better than expected!) and then Lee Zeldin at EPA (and NGL was fun to watch him get stuffed into a locker by Bernie Sanders, Ed Markey, and Sheldon Whitehouse). But after 9 hours of hearings watched for you, here's the final Trump energy boss - Interior Sec nominee and potential head of the National Energy Council, North Dakota governor and billionaire Doug Burgum. Burgum is a fan of “clean coal”, “methane capture”, and “energy dominance” - and while he says he acknowledges climate change doesn't think it matters next to using more coal to build more AI data centres to beat China. But like the LA fires, whether or not you believe in climate change, climate change believes in you. And if Doug Burgum becomes Interior Sec he will be responsible for brokering a deal next year to replace the expiring 100-year-old agreement between the Western US states including 40 million people to divide up the flow of the Colorado River. But in 2026, the Colorado will be in the middle of a 10,000-year-drought and a long-term decline - all due to climate change. Meaning there is a lot less to go around. We would have loved to hear more informed questioning about claims about the track record of carbon capture or rebuttal of nonsense claims that eg 'solar is more expensive than coal'. Even Angus King from Maine, almost certainly the best of the bunch, barely laid a glove on him.Join us at wickedproblems.earth to get these episodes ad-free and to get our newsletter and other content. Starting tomorrow, independent media that will offer insight and analysis without fear or favour will be more important than ever. But together we'll get through this. Hosted on Acast. See acast.com/privacy for more information.

Western US is ablaze with intense and widespread fires. What role does climate change, forest management, overpopulation, and resource management play in the increasingly devastating fire seasons worldwide? How can climate mitigation and adaptation complicate forest management? [dur: 58mins. ] George Perry is a Professor at the School of Environment at the University of Auckland. … Continue reading Scholars' Circle – Sober view on Wildfire mitigation and adaptation – January 12, 2025 →

Like it or not, fire politics affects every aspect of public forest policy and the rural landscape, and that is not changing anytime soon.But is science or politics guiding the policy?  Are management decisions being made with forest ecology and community resilience as the top priorities, or are certain actors using fire as a smoke screen to score political wins, enrich wealthy mill owners, and prop up an outdated ideology that wants to turn public forests into tree plantations?  More relevant to today's conversation, what is the best available science actually telling us about fire and forest health?  About how, if, when, and why to take an active role in shaping forest landscapes with fire, healthy forest ecology, and fire resilient communities in mind?I'm joined today by Dr Kimberley Davis from the Forest Service's Missoula Fire Sciences Lab, and Dr Kerry Metlen, Senior Forest Scientist for The Nature Conservancy in Oregon.  They are two of the lead co-authors of a meta-analysis published this year examining the effects of thinning, prescribed fire, and wildfire on subsequent wildfire severity in dry type conifer forests of the Western US.They are an absolute wealth of knowledge and I was so appreciative of their ability to get into the complexities of their research in a way that was engaging and understandable.Research Links/Show Notes:Tamm Review: https://research.fs.usda.gov/treesearch/67659Summarized version with graphics: https://www.fs.usda.gov/rm/pubs_journals/rmrs/sycu/2024/sycu_photos_2024_10_treatments.pdfAlternative Take on the Paper from Andy Kerr: https://www.andykerr.net/kerr-public-lands-blog/2024/8/30/rethinking-commercial-thinning-as-a-tool-to-ecologically-restore-frequent-fire-forest-types-part-2-burn-baby-burnStorymap mentioned by Kerry: https://storymaps.arcgis.com/stories/64f55848f690452da6c58e5a888ff283Coast Range Radio fire episodes:Is the Forest Serviec Falsifying the Scientific Record, w Chad Hanson: https://www.buzzsprout.com/1046044/episodes/13024030Taxing Big Timber to Protect Communities from Wildfire: https://www.buzzsprout.com/1046044/episodes/14354418Support the showPlease Donate to Help us Keep This Show Free!

Mark Collins is a Business / Life Coach, a Pastor for 17 years, and the founder of Freedom For Life, LLC and author of the transformational leadership book, “LIFE MASTERY: Living life by design, not by default.” He has developed and launched his Life Mastery online course and has seen hundreds of lives transformed and also had the privilege of speaking at conferences throughout the Western US. His passion and expertise are in guiding people (several hundred and counting) in overcoming the fear/uncertainty that is standing in the way of the life they are created for. He has created several online tools/courses to equip his clients to accelerate the impact that they are meant to have in their business, relationships and life.For our final conversation, Pastor Mark shared a transformative story that highlights how individuals have overcome the imposter syndrome through his teachings. You will also hear him define the difference between success and fulfillment.Marriage can also be an area where imposter syndrome manifests, especially in roles as husbands and fathers. He shared how he addresses and help mitigate these feelings within the context of marriage and family life.Earlier he talked about providing tools to overcome life's challenges, so I asked him to share some specific examples of these tools and how they can be applied in everyday situations to combat imposter syndrome.For my last question, I asked for some advice for someone who is listening right now and just beginning to recognize their battles with imposter syndrome and what first steps would he suggest they take to start their journey toward life mastery, as outlined in his course and book.To buy his book or contact him, or get more information about his Life Mastery you can go to: https://courses.freedom-for-life.net Thank you for listening and supporting us and always remember to Come to Jesus Daily!Connect with us through our Social Media Links:Email us at cometojesuswithannette.mahal@gmail.com Twitter and Instagram: @AnnetteMahal FB: Come to JesusYou can help support our podcast ministry and partner with us reach further to build God's Kingdom by either giving a onetime donation to our coffee podcast ministry or be a part of our monthly supporters. By partnering with us, you will get an invitation to join and be a part of our livestream events as it happens, unlock exclusive post and get a full access to all our bonus/special episodes, shout out to our new members, get a one-time gift for joining, be a part of our special community for our members only, receive a newsletter once a month, and most importantly partner with us as we share God's message to the world and that is by going to:www.buymeacoffee.com/cometojesusYou can also send us a voice message if you are listening in Spotify or by sending your questions or comments to (571)601-0067.

This week of Veterans Day brings the final Flag City Honor Flight mission of the year... and planning for 2025 is now underway (at 14:19) --- The Western US is already digging out from their first big snowstorm of the season... how long before the wintry weather reaches us? And how much of it will we see? The Old Farmer's Almanac offers their prediction (at 33:28) --- It's an unwelcome fact of life - and the cold, dry winter weather can accelerate the process... New research shows when, how and what triggers the aging of our skin (at 55:07)

Mark Collins is a Business / Life Coach, a Pastor for 17 years, and the founder of Freedom For Life, LLC and author of the transformational leadership book, “LIFE MASTERY: Living life by design, not by default.” He has developed and launched his Life Mastery online course and has seen hundreds of lives transformed and also had the privilege of speaking at conferences throughout the Western US. His passion and expertise are in guiding people (several hundred and counting) in overcoming the fear/uncertainty that is standing in the way of the life they are created for. He has created several online tools/courses to equip his clients to accelerate the impact that they are meant to have in their business, relationships and life.We continued our conversation with him answering the question where we left off the last time and that is what advice he can give to people who are listening to us who are confused about their identity or purpose in life? Pastor Mark also explained and defined his "Life Mastery" and how it is different from other personal development or life coaching methods. You will also hear him share his personal experiences that led him to focus on helping others conquer imposter syndrome.Make sure to follow us so you don't miss the rest of our conversation. I promise you wouldn't want to miss it. To buy his book or contact him, or get more information about his Life Mastery you can go to: https://courses.freedom-for-life.netWe would love to hear from you so make sure to send us any comments or questions that you may have for us in any of our social media links.Thank you for listening and supporting us and always remember to Come to Jesus Daily!Connect with us through our Social Media Links:Email us at cometojesuswithannette.mahal@gmail.com Twitter and Instagram: @AnnetteMahal FB: Come to JesusYou can help support our podcast ministry and partner with us reach further to build God's Kingdom by either giving a onetime donation to our coffee podcast ministry or be a part of our monthly supporters. By partnering with us, you will get an invitation to join and be a part of our livestream events as it happens, unlock exclusive post and get a full access to all our bonus/special episodes, shout out to our new members, get a one-time gift for joining, be a part of our special community for our members only, receive a newsletter once a month, and most importantly partner with us as we share God's message to the world and that is by going to:www.buymeacoffee.com/cometojesusYou can also send us a voice message if you are listening in Spotify or by sending your questions or comments to (571)601-0067.

This is the Women of Influence Podcast series, delivering next level insights and expertise live from GlobeSt.'s Women of Influence Conference.The Women of Influence Podcast Series is an exclusive mini-series of The Crexi Podcast, an insider's look at all things commercial real estate, produced in collaboration with GlobeSt. The Crexi team visited Women of Influence and recorded in Lake Tahoe, California, from the floor of the conference, highlighting movers and shakers in commercial real estate. The Crexi Podcast explores various aspects of the commercial real estate industry in conversation with some of the top professionals in the space. In each episode, we feature different guests to tap into their wealth of CRE expertise and explore the latest trends and updates from the world of commercial real estate. In this episode, guest host Holly Amaya and Crexi's Shanti Ryle sit with Carolyn Pistone, President & Managing Director of Clear Blue Commercial,  and Jennifer Keen, EVP & Manager of Western Operations at IPX1031, to cover wide-ranging topics, including:Introduction and WelcomeMeet Carolyn PistoneCarolyn's Environmental AwakeningStarting Clear Blue CommercialAchievements and ImpactLeadership and ValuesAdvice for Young Women in Real EstateMeet Jennifer KeenJennifer's Early Career JourneyChallenges and Growth in Real EstateInsights on 1031 ExchangesDemographic Shifts and Real Estate StrategiesConclusion and Contact InformationAbout Carolyn Pistone:Carolyn is a committed Earthling dedicated to saving the planet using her real estate license! Carolyn is the President and Managing Director at Clear Blue Commercial. She has held various senior positions in the entertainment, real estate, and hi-tech industries. In addition she serves on the Environmental Committee of the Sonoma County Alliance, the Climate Action 2020 Stakeholders Advisory Group, former President of the Board of Trustees for the Petaluma Community Foundation, and a founding board member of 100 Sonoma People Who Care. She is a proud REALTOR®, EcoBroker®, and Certified Green Building Professional®. These experiences have inspired her to work to build a supportive, innovative, and collaborative environment for clients, team members, and, yes, even the planet, to thrive.​About Jennifer Keen:Jennifer Keen is the Executive Vice President and Western Regional Manager for IPX1031. During her 20-plus years in the real estate industry, Jennifer has served in numerous senior level roles, all with a main emphasis on 1031 Tax-Deferred Exchanges. Her expertise centers around structuring the technical aspects of 1031 transactions and has since expanded her skillset to managing and motivating the staff of the largest Exchange Company in the nation. Prior to joining IPX1031, Jennifer was involved in the founding, creation and development of 1031 Exchange companies ranging from smaller regional title companies to large Fortune 500 title operations.Jennifer travels regularly throughout the Western US and is a frequent keynote speaker and educator to those interested in learning more about the nuances and complexities of exchange transactions and how that affects the real estate economy as a whole. Jennifer earned her degree from California Polytechnic State University, San Luis Obispo and is an affiliate member of organizations such as NAIOP, CREW, FEA and CCIM to name a few.About GlobeSt. Women of Influence:The Women of Influence Conference is an exclusive two-day event that celebrates the women who drive the commercial real estate industry forward. These influential leaders will discuss the critical issues facing CRE now and in the future, what it means to be a woman in business today and how women CRE leaders can uplift and support each other on their journey to the top. If you enjoyed this episode, please subscribe to our newsletter and enjoy the next podcast delivered straight to your inbox. For show notes, past guests, and more CRE content, please check out Crexi's blog. Ready to find your next CRE property? Visit Crexi and immediately browse 500,000+ available commercial properties for sale and lease. Follow Crexi:https://www.crexi.com/​ https://www.crexi.com/instagram​ https://www.crexi.com/facebook​ https://www.crexi.com/twitter​ https://www.crexi.com/linkedin​ https://www.youtube.com/crexi

Send us a textMark is a Business / Life Coach, the founder of Freedom For Life, LLC and author of the transformational leadership book, “LIFE MASTERY: Living life by design, not by default.” He has a singular passion; to see people unleashed as the Hero they are created to be in their business, relationships and life.Mark has developed and launched his Life Mastery online course and has seen hundreds of lives transformed. He has also had the privilege of speaking at conferences throughout the Western US.Find out more about Mark at http://freedom-for-life.net/Share the podcasT Don't Miss This Quick Read To Skyrocket Your Small Business Social Media

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on Twitter, Instagram, Facebook

Have you ever felt paralyzed by the fear that you're not doing enough, that your success might vanish, or that people might think you're an imposter? You're not alone. In this episode, Stephen sits down with special guest Mark Collins, a coach with 15 years of experience guiding Christian men to embrace their true identity and purpose. Mark shares his own battle with fear and practical steps you can take to overcome it so you can focus on what really matters and fulfill your greater purpose. BY THE TIME YOU FINISH LISTENING, YOU'LL DISCOVER The real root of fear and why simply managing it isn't enough How to separate your identity from your achievements, so your self-worth isn't tied to your successes or failuresPractical strategies to build emotional resilience and live confidently, regardless of external circumstancesFeatured Guest:Mark Collins is a husband, father, pastor & coach with a passion to see Christian Men equipped to be the HERO God created them to be.He has authored his first book, “Life Mastery: Living life by design, not by default," developed and launched his Life Mastery online course and has had the privilege of speaking at conferences throughout the Western US.In over 15 years of working with men as a Christian coach and Pastor, Mark has seen hundreds of lives changed and callings unleashed.Connect with Mark: Website | Instagram | Facebook | YouTube Send us a textSupport the showMORE RESOURCES Book a free Habit Breakthrough Session Join our free virtual book club Subscribe to Own Your Calendar+ SUPPORT THE SHOW Liked this episode? Share it and tag me @unshakablehabits Love the show? Leave a review and let me know! CONNECT WITH STEPHEN: Website | Instagram | Facebook | YouTube | LinkedInCopyright 2024 Unshakable Habits, Stephen Box LLC, all rights reserved Privacy Policy Disclaimer Terms and Conditions Affiliate Disclosure

Mark Collins is a Business / Life Coach, a Pastor for 17 years, and the founder of Freedom For Life, LLC and author of the transformational leadership book, “LIFE MASTERY: Living life by design, not by default.” He has developed and launched his Life Mastery online course and has seen hundreds of lives transformed and also had the privilege of speaking at conferences throughout the Western US.Since, Pastor Mark have been married for 33 years, he gave some advice on how to have a successful marriage and he also gave some advice to single people that are listening to us. He also shared when he realized that he is going to be an author and how was he able to pick what topic to write on his book. Most importantly, you will hear Pastor Mark share with us when he decided to accept Christ in his life and when he realized that God is calling him to a higher calling of being a Pastor. He also gave some advice on how to hear God more in our lives and how to test if what we are hearing is from God, ourselves, or the enemy. Make sure to follow us so you don't miss the rest of our conversation. I promise you wouldn't want to miss it.To buy his book and get more information or contact him you can go to:https://courses.freedom-for-life.netWe would love to hear from you so make sure to send us any comments or questions that you may have for us in any of our social media links.Thank you for listening and supporting us and always remember to Come to Jesus Daily!Connect with us through our Social Media Links:Email us at cometojesuswithannette.mahal@gmail.com Twitter and Instagram: @AnnetteMahal FB: Come to JesusYou can help support our podcast ministry and partner with us reach further to build God's Kingdom by either giving a onetime donation to our coffee podcast ministry or be a part of our monthly supporters. By partnering with us, you will get an invitation to join and be a part of our livestream events as it happens, unlock exclusive post and get a full access to all our bonus/special episodes, shout out to our new members, get a one-time gift for joining, be a part of our special community for our members only, receive a newsletter once a month, and most importantly partner with us as we share God's message to the world and that is by going to:www.buymeacoffee.com/cometojesusYou can also send us a voice message if you are listening in Spotify or by sending your questions or comments to (571)601-0067.

In this episode, Author & Pastor Mark Collins, describes his life journey to where he is today, an author of a new book and a pastor. He's also a business & life coach, helping people find their life purpose and the impact one wants to make in the world. "What you think you are, you will become," -Mark Collins.BIOMark Collina is a Business / Life Coach, the founder of Freedom For Life, LLC and author of the transformational leadership book, “LIFE MASTERY: Living life by design, not by default.” He has a singular passion to see people unleashed as the Hero they are created to be in their business, relationships and life.Mark has developed and launched his Life Mastery online course and has seen hundreds of lives transformed. He has also had the privilege of speaking at conferences throughout the Western US.Freedom For Life - You Unleashed (freedom-for-life.net)_freedomforlife_ - YouTubeMark Collins (@_freedomforlife_) • Instagram photos and videos#alittlelessfearpodcast #podcast #author #pastor #businesscoach #lifecoach #mindset #spiritualgrowth #success #christian #impostersyndrome #personaldevelopment #spirituality #transformation #freedom #higherpurpose #hero #aheroliesinyou #purpose #lifepurpose #fyp #foryou #foryoupage #foryourpage #love This is Dr. Lino Martinez the host for A Little Less Fear Podcast. For more information, please use the information below. Thanks so much for your support!Author | A Little Less FearA Little LESS FEAR Podcast (@alittlelessfearpodcast) • Instagram photos and videosLino Marinez (@alittlelessfear) TikTok | Watch Lino Marinez's Newest TikTok Videos(4) A Little Less Fear Podcast - YouTube

In this episode of the Plowline Podcast, we explore the documentary "Cone People," which follows the journey of seed collectors and the vital role they play in reforestation in the western U.S. We'll delve into the challenges of seed scarcity, the impact of climate change and wildfires, and the importance of community-based seed collection programs. Our guests: Trever Santora, is a documentary filmmaker and product designer who provides unique insight into the lives of forestry workers. His work has been featured in NPR, CNN, Forbes, and TechCrunch. Felicia Froton specializes in organizing seed supply solutions. While at Mast Reforestation, she organized the collection of thousands of pounds of seed critical for reforestation across conifer forests in the Western US. Oak Rankin is the Founder of Glacier Peak Institute, which is creating a resilient future by connecting underserved communities and youth with ecosystems. Become A Contributor! https://www.patreon.com/plowlineproductions

Have you ever felt the pressure to fit into a certain mold, only to realize that true success comes from embracing your authentic self?  In this episode, we're talking with Ramiro Higuera about how embracing openness and curiosity fuels authenticity in professional and personal environments.  Ramiro Higuera is a Vice President and Regional Consultant for State Street Global Advisors SPDR, overseeing sales and relationships in the Western US for the Registered Investment Advisor (RIA) Channel. A 17-year industry veteran, he started at Vanguard, focusing on Ultra High Net Worth sales and helping launch the Robo-Advisor "Personal Advisor Services." He began his career in 2014 as an internal sales rep at Cole Capital and later became an external wholesaler at Northern Trust. Since moving to Bellevue, WA, Ramiro is active in community service, launching the Pacific chapter of Women in ETFs and serving on the board of CFA Society Seattle as Director of Educational Programming. He is also a board member for the Community Foundation of Snohomish County. An outdoor enthusiast, Ramiro enjoys running, hiking, kayaking, cycling, and golfing. He lives in Bellevue, WA with his wife and three children. Kristine Delano guides the conversation on how authenticity can drive confidence and build genuine connections.  Follow on Instagram kristine.delano.writer  Visit www.womeninetfs.com to find additional support in the ETF industry.  Go to www.kristinedelano.com for your Thrive Guide: a compilation of the most requested and insightful advice from our guests on Leadership and Advancement.

Send us a textIn our Season 8 premiere, we have an incredible guest who traveled across much of the Western US. Her name is Tabby and you can follow her on Instagram, @tabbysroadtripIn this episode, Tabby shares her hiking and travel journey from her start in Idaho to now being down in Texas. We learn about some of her favorite places not just in Texas and Idaho, but across the Western US. She even shares some under the radar destinations and some of her favorite local stops for delicious food.Episode Links:Mesa Falls IdahoGreen Chile Burrito in Santa Fe, NMFollow us on Instagram, @HikesandmicsThis episode's music was created by Ketsa, follow him on Instagram @Ketsamusic Episode Sponsor(s):Ursa Minor Outfitters - Inspired by the outdoors, Created by local artistsGo check them at www.ursaminoroutfitters.com and don't forget to enter the promo code HikesMics10 at checkout to receive 10% off your order.FlipSockz will keep Mother Nature out of your boots with their innovative nylon sleeve.To get your first pair visit www.FlipSockz.com and enter the promo code HikesMics10 at checkout to receive 10% off your order.

On today's episode presented by PINE MELON MARKET, we recap the debate.. as painful as it was to watch, we kept hearing lies about our communities. We talk about the division caused by current day politics, what we can do to be better neighbors, voters & community members.We also get ready for a weekend of travel, bipping & bopping around Colorado & the Western US. Finish with a lil TV talk... and a book recommendation from EVE!!! Sturdy episode, talking real issues in the community. Tune in! Become a supporter of this podcast: https://www.spreaker.com/podcast/stoned-appetit--3077842/support.

In this deeply inspiring episode, Elaine Starling sits down with Mark Collins, author of “Life Mastery: Living Life by Design, Not by Default,” to explore the transformative journey of discovering and embracing your true identity. Mark shares his personal story of overcoming insecurity, fear, and societal expectations to live a life of fulfillment and purpose. Together, they discuss the importance of connecting with The Divine, the power of gratitude, and how shifting your mindset can unlock the life you were created for. Tune in to learn practical strategies for mastering your thoughts, aligning with your authentic self, and stepping into the abundant life you deserve. Plus, discover the powerful tools Mark offers to help you on your journey to life mastery. About the Guest:(bio, personal links, resource links)Mark Collins is a Husband, Father, Pastor & Coach with a passion to see Christian Men equipped to be the HERO God created them to be.Author of the book, “Life Mastery: Living Life by Design, Not by Default,” Mark has developed and launched his Life Mastery online course and has had the privilege of speaking at conferences throughout the Western US.In over 15 years of working with men as a Christian coach and Pastor, Mark has seen hundreds of lives changed and callings unleashed.Free Gift: Use this Diagnostic Tool to grade yourself on how close to Life Mastery you are and next steps to go to the next level. https://courses.freedom-for-life.net/pages/free-download-offerHow to Show Support:Please enjoy the free Diagnostic Tool and explore the other resources available on the website.Social Media Links:INSTAGRAM: https://www.instagram.com/_freedomforlife_/FACEBOOK: https://www.facebook.com/FreedForLife/YOUTUBE: https://www.youtube.com/channel/UCw1A7tteCrpLj_d9ejzDWRgLINKEDIN: www.linkedin.com/in/mark-collins-freedom-for-lifeWebsite: https://freedom-for-life.netAbout the Host, Elaine Starling: (bio, personal links, resource links)An international TEDx speaker, bestselling author, coach and mentor, Elaine Starling is recognized for her video show and podcast, The Abundance Journey.After a comprehensive conversation with our higher power during a stroke, Elaine created The Abundance Journey 6 week course to share what she learned. As the Abundance Ambassador, Elaine mentors spiritual, growth-oriented women to align with Divine guidance to achieve their dreams. Elaine's clients experience more clarity, confidence, and commit to action that achieves their goals.Elaine Starling Social Media Links:Facebook:

This week's roundup lead story sees CSF Director of Federal Relations Taylor Schmitz rejoin Fred on the show to cover his recent trip to Capitol Hill to testify on behalf of 3 CSF priority bills before Congress, including the bipartisan Tax Stamp Revenue Transfer for Wildlife Recreation Act, the Wildlife Movement Through Partnerships Act, and the BioSafe Act.   Fred then covers all the news updates related to wildlife management and hunting around the nation, including firearm preemption laws and their roles protecting opportunities for sportsmen and women, the role of nonresident hunters in conservation of the Western US, hunting dog policy and an update on the first anniversary of the Sportsman's Voice Podcast! A big THANK YOU to all our listeners on this achievement!   Takeaways Firearm Pre-Emption Laws: Firearm preemption laws protect the right of sportsmen to legally own firearms in their state without having to worry about overcomplicated regulations created by local, lower-level government as a barrier to entry to hunting. South Dakota legislators recently passed Senate Bill 339, strengthening their firearm preemption laws.  Non-Resident Hunters In The Great American West: From higher hunting and fishing fees to a bigger financial impact through greater reliance on local businesses from hotels to food and more, nonresident hunters make a valuable contribution to the states in which they hunt.  Hunting Dog Policy: Fred covers policy initiatives in the Southeast that sporting dog owners should be aware of, including unnecessary proposed tethering requirements in Tennessee, exemptions for sporting dogs in mandatory spay-neuter bills, and more.  Get the FREE Sportsmen's Voice e-publication in your inbox every Monday: www.congressionalsportsmen.org/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

You're probably familiar with building assessments and forensic engineering, but what's the essential role they play in long-lasting infrastructure? In this episode, Stanley Stoll of Knott Laboratory, LLC joins the podcast for an in-depth discussion on identifying and preventing structural failures, how preventative is “too” preventative, the problem of water management, and a new take on what it means to be innovative. Stanley Stoll is CEO of Knott Laboratory, LLC. He was a combat engineer and SAPPER in the U.S. Army. He attended the J.B. Speed School of Engineering at the University of Louisville in Louisville, KY and graduated with both a B.S. in Civil and Environmental Engineering and a Masters of Engineering Degree. At Knott Laboratory, he leads a team of forensic engineers who investigate infrastructural failures throughout the Western US.  Todd Takes Proactive Building Maintenance: Take the time to learn and implement best practices in building maintenance, ensuring a proactive approach to analyzing the structure. Stay vigilant for any areas of concern, as early detection and action can prevent costly and dangerous issues down the line. Building Trust and Credibility: Establishing trust and credibility is essential before people will listen and act on your insights. When you identify a problem and have already built trust, the conversation becomes much smoother, leading to quicker and more effective resolutions. Treat Maintenance Like Construction: Stanley emphasizes the importance of treating property maintenance with the same level of care, attention, and critical eye as the building process itself. This mindset ensures that maintenance is not an afterthought but a crucial part of preserving the building's integrity.   Thanks for listening! Please be sure to leave a rating and/or review and follow up our social accounts. Bridging the Gap Website Bridging the Gap LinkedIn Bridging the Gap Instagram Bridging the Gap YouTube Todd's LinkedIn   Thank you to our sponsors! Applied Software Applied Software LinkedIn   Other Relevant Links: Stanley's LinkedIn Knott Laboratory, LLC

AP correspondent Haya Panjwani reports on Phoenix's 100th day of 100-plus degree weather.

Philipp came to the US from Germany to build ticket time. He used the RAF Airfield Guide to fly around the Western US and learned what backcountry flying was all about. You can view Philipp's photos of his adventures at: https://www.instagram.com/philipp.kur/ --- Support this podcast: https://podcasters.spotify.com/pod/show/bill-mcglynn4/support

Emanuel Rose is a wealth of experience in lead generation, branding, advertising, and digital agency operations, and is ready to elevate your business to new heights. With over 25 years of experience, Emanuel is dedicated to pioneering cutting-edge marketing strategies that deliver tangible results for his clients. As the CEO of Strategic eMarketing, Emanuel leads with vision and innovation, leveraging machine learning to drive lead generation for clients across the Western US and beyond. With an unwavering commitment to excellence, Emanuel pushes the boundaries of what's possible in the digital marketing landscape, ensuring his clients stay ahead of the curve.

(00:00) Intro: There are a multitude of ways to fly to Hawaii using miles and points (and even many ways to get a deal on cash tickets). On this week's show, we discuss ways to fly to Hawaii from around the US from as few as 10K or 13.5K points each way. (01:06) New FM intro (03:22) Card Talk: Sonesta World Mastercard https://frequentmiler.com/sonesta/  -Card Details -What are points worth? (16:00) What crazy thing . . . did Marriott and Starbucks do this week? https://frequentmiler.com/link-marriott-starbucks-accounts-to-occasionally-earn-double-stars-minimal-bonus-points/ (19:51) Mattress running the numbers: Wyndham Rewards Hotel Pass https://frequentmiler.com/wyndham-rewards-selling-30-night-hotel-pass/ (27:48) Award Talk (27:55) New Reasonable Redemption Value for Hotel Points https://frequentmiler.com/what-are-hyatt-points-worth/ (30:29) Aeroplan promotion with Miles4Migrants) https://frequentmiler.com/earn-7500-aeroplan-points-with-a-100-miles4migrants-donation/ (34:19) 15% transfer bonus from Citi to Cathay Pacific Asia Miles https://frequentmiler.com/citi-thankyou-offering-15-transfer-bonus-to-cathay-pacific-asia-miles/ (27:03) Enterprise Rent-A-Car Status Match https://frequentmiler.com/enterprise-status-match-giving-status-through-february-2026-match-from-hotel-airline-car-rental-programs/ (30:29) Amex referral bonuses now as high as 45,000 points for targeted cardholders https://frequentmiler.com/amex-referral-bonuses-now-as-high-as-45000-points-per-referral-up-to-100k-per-year-per-card/ (42:44) Main Event: Best Ways to fly to Hawaii https://frequentmiler.com/best-ways-to-fly-to-hawaii-from-the-us-mainland/ (43:04) Cash deals (43:30) Delta companion certificates (44:55) Alaska Companion Fare (46:13) Southwest Companion Pass (47:32) Vacation packages (49:15) Award deals: Economy (49:24) United flights via Turkish Miles & Smiles for 10K each way (50:48) Finnair Avios for American Airlines (15K) or Alaska Airlines (13.5K) (52:52) Alaska Mileage Plan for Alaska from 15K (53:35) Singapore Krisflyer for central/Western US to Hawaii (13-14K) (54:33) Using Alaska miles to fly AA for 17.5K from Dallas and west coast (55:32) Use United to fly United from 11.1K from the west coast (56:42) Aeroplan for 12.5K from the west coast to Hawaii on United (58:00) Qatar Avios for 13K one way from the west coast (59:00) Flying Blue for Delta from 18K (59:16) Virgin Atlantic for Hawaiian Airlines for 20K each way from the west coast (1:00:16) JetBlue for Hawaiian Airlines for 20K each way from the west coast (1:00:48) American Airlines miles for AA from 20K each way (1:01:39) Southwest Airlines when cash fares are cheap (1:02:00) "First class" flights to Hawaii with miles (1:02:57) Turkish miles for United: 15K miles each way (1:05:35) Finnair Avios for American Airlines" 38K miles each way (1:07:00) Alaska Miles for Alaska from 40K miles each way (1:07:21) Hawaiian miles to fly Hawaiian: 40K one way or upgrade from 25K. Possibly more availability with status or as a cardholder. (1:09:25) Virgin Atlantic miles to fly Hawaiian: 40K one way from the west coast (1:09:48) Alaska Mileage Plan for American Airlines: 35K one-way from as far east as Dallas (1:10:10) Air Canada Aeroplan for United for 25K from the west coast (1:10:50) Qatar Airways Avios for American or Alaska for 38,750 Avios from the west coast (1:11:50) Example for how to find award availability (1:19:33) Question of the Week: Is reselling a good low-energy way to generate points? Music credit: Annie Yoder

We're excited to bring you another gripping episode of All Things Wildfire, where we dive deep into the world of wildfire mitigation and mental health in firefighting. This week, host OP Almaraz is joined by Steve Orr, a seasoned firefighter and paramedic with decades of frontline experience. Tune in to discover transformative insights and actionable strategies to protect both your property and your well-being. Joining us today is a seasoned veteran in the field, with over 22 years at West Metro Fire Rescue in Lakewood, Colorado. As a firefighter, lieutenant, paramedic, and wildfire mitigation specialist, our guest brings a wealth of experience. He holds numerous NWCG qualifications and has been actively involved in wildfire assignments across the Western US for the past 15 years. A committed member of both the Fire Adapted Communities Learning Network and Fire Adapted Colorado, he has also contributed as a Training and Network Specialist for FACO. During this tenure, he served on the Community Mitigation Assistance Team and as an instructor for Community Wildfire Mitigation Best Practices. Currently, he is enhancing community safety as a Community Risk Reduction Specialist with Boulder Fire-Rescue. Sit back, relax, and arm yourself with knowledge as we explore how to safeguard against disaster with our expert guest. Wildfire Experiences and Lessons: Steve discusses his firsthand experiences with destructive fires, such as the Black Forest fire in 2013 and the High Park fire in 2012. These experiences deeply influenced his interest in wildfire mitigation and the implementation of strategies to protect communities from similar disasters. Wildfire Mitigation Strategies: Steve details various strategies and practices adopted over the years, such as managing wildland training and equipment, emphasizing the importance of noncombustible building materials, and improving community awareness and preparedness. He highlights significant challenges and successes in altering community and firefighter perceptions regarding wildfire risks. Financial Support and Industry Collaboration: The episode touches on the availability of grants and financial support for homeowners looking to make their properties more defensible against wildfires. Steve also discusses collaborations with various industry groups to align mitigation strategies and insurance policies. Mental Health in Firefighting: A substantial part of the conversation is devoted to discussing the psychological impact of firefighting and witnessing destruction, emphasizing the importance of mental health support for first responders. Steve shares his personal experiences with PTSD, underlining the evolving understanding and destigmatization of mental health issues within the firefighting community. Highlights: Steve Orr's extensive experience with wildland and urban firefighting and his transition into focusing on wildfire mitigation.   Discussion on the use of non-combustible materials in home construction and landscaping to prevent fire spread.   Emphasis on mental health, with personal anecdotes from Steve regarding the challenges faced by first responders and the importance of support systems. Show Notes: 00:01:30;27 - 00:01:57;01: Career Background: Steve Orr shares the beginning of his fire service career, setting the stage for his expertise and insights into wildfire management. 00:03:33;10 - 00:04:11;04: Critical Wildfire Experiences: Steve discusses impactful experiences with destructive fires such as the Black Forest fire and the Waldo Canyon Fire, which were turning points in his focus on wildfire mitigation. 00:08:01;13 - 00:08:37;28: Awareness and Mitigation Efforts: Steve talks about the realization of the need for increased wildfire risk awareness and mitigation efforts in Colorado, particularly after observing similarities in conditions that led to massive destruction in other fires. 00:15:23;26 - 00:16:15;23: Practical Mitigation Strategies: This section covers specific, actionable strategies homeowners can employ to protect their homes from wildfires, focusing on noncombustible materials and structural modifications. 00:31:06;13 - 00:32;00;10: Mental Health Discussion: Steve opens up about his personal struggle with PTSD due to his firefighting career and discusses the broader issue of mental health among first responders, highlighting changes in perception and available support. Whether you're passionate about environmental sustainability, intrigued by technological advancements, or simply eager to learn about the latest developments in wildfire prevention, this episode is a must-listen.  

Secretary of State Antony Blinken insists Israeli leaders are on board with a ceasefire plan. A suspect has been arrested in China after five people were stabbed, including four US college instructors. Supreme Court Justices Samuel Alito and John Roberts have been secretly recorded talking about politically sensitive issues. Extreme heat is scorching the Western US today, as Florida braces for floods. Plus, Malawi's vice president has been killed in a plane crash. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today is the 80th anniversary of the D-Day landings - we'll have the latest from France on commemorations. The heat dome bringing unusually high temperatures to the Western US is expected to get worse today. Israeli forces have hit a UN school in Gaza. Boeing and NASA have found a problem with the Starliner spacecraft. Plus, New York's governor is putting Manhattan's congestion charge on hold indefinitely. Learn more about your ad choices. Visit podcastchoices.com/adchoices

2024 is already a historic election year, as President Joe Biden and former President Donald Trump both face campaign worries in the court room. Meanwhile, Biden is expected to announce controversial border plans soon. Triple digit heat is expected in the Western US this week. More than half of US adults are expected to have cardiovascular disease by 2050. Plus, a funeral home makes a shocking discovery. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Western US residents report the most UFO sightings — what are they actually seeing? News By Sharmila Kuthunur  published April 4, 2024 "It's difficult to explain why we have this many more sightings in the West." Those of us in the western U.S. who enjoy vast open spaces may also be more likely to report UFO sightings, a new study suggests. An analysis of unidentified aerial phenomena (UAP) reports (UAP is a new umbrella term that includes UFOs not just in the sky but also in space and underwater) suggests local environmental factors play a role in the number of UAP sightings reported. The study, based on about 98,000 reports over 20 years as cataloged in an open-source, online dataset maintained by the National UFO Research Center modeled how reported UAP sightings coincide with environmental variables such as light pollution and cloud cover, as well as things like proximity to airports and military installations. The results reveal - Read More

No one gets wealthy from a high salary. Wealth is acquired by owning things. But how can you own MANY things without much money? I discuss it. Learn how to use major banks (Chase, Wells Fargo) to fuel your wealth and retirement when you're young.  Debt is like fire. Kids will burn down the house with fire. Adults will use fire (debt) to produce prudent leverage and outsized returns.  High salaries don't create wealth due to: lost time, no leverage, few tax benefits, and entrapment due to sunk education costs. I sat down with a conventional financial advisor. Things got interesting.  Learn why Western US homes cost more than Eastern US homes. This fact confounds most real estate pros. I break down 8 reasons. Resources mentioned:  Show Page: GetRichEducation.com/497 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. Don't make this giant wealth mistake - understand why a high salary does NOT create wealth. Learn what does instead.  See how to get deep pocketed-banks like Chase & Wells Fargo build wealth for YOU.  I recently sat down with a traditional financial advisor - this got interesting. Then, why do WESTERN US homes cost more than EASTERN us homes? All today, on Get Rich Education.   Welcome to GRE! From Port Jervis, NJ to the Port of Bellingham, WA and across 188 nations worldwide, I'm Keith Weinhold and you're listening to Get Rich Education. Welcome in!   When I grew up, I thought that people got wealthy from high salaries. I figured that I could get wealthy if I got a high salary too.   And then adulthood has proven to me that… they don't.    People don't get wealthy from high salaries. They get wealthy by OWNING THINGS.   Let's break this down.    People DON'T get wealthy from high salaries.    In fact, have you ever seen THIS happen? I haven't. I worked as an employee in both the public sector and the private sector, and I've been a longtime real estate investor and entrepreneur.    In fact, how would anyone even GET wealthy from a high salary?   If you've got a job… you're trading your time for dollars and selling your time for money.    I used to do that too… and I actually think that everyone might get some perspective by having a taste of that. Most get that taste.   And say you're even entrenched in the game of climbing the corporate ladder, to a higher and higher salary.   Well, first, in my experience, many job promotions get you perhaps 10 to 30% more in salary, but 2x to 4x the responsibility - that's 200% to 400% more responsibility.     Even if there's an edge case here, in your situation, in climbing the corporate ladder - where does that even get you in the end?   Look at your supervisor and their lifestyle. Is that what you want to be?   Look up higher at your supervisor's supervisor. What's their life like? Is that the life that you REALLY want?    Is that what you aspire to be - and expend so much of your most precious resources to get THERE - time, time away from your family, energy, skill, potential. Is that really it?    The answer is right in front of you!   People don't get wealthy from high salaries. People get wealthy from OWNING THINGS. We'll get more on how - if you have average means - on how you can OWN MANY THINGS shortly.    But first, let me address any more hangups you might have if you still think that high salaries can create wealth.    We won't even look at, sort of, common jobs like an IT specialist or a systems analyst or a plumber.    Let's take an edge case - a classically, high paid profession - a doctor, a surgeon, a specialist even. Highly compensated - several hundred thousand dollars in salary each year. I know some of them.    I also know a bunch of RESIDENT doctors too and I talk with them - they're basically, finished with their formal schooling and are doctors-in-training.    They are repaying loans deep into the six figures after undergrad pre-med and after a few more years at medical school - often it seems to be $300K to $400K in debt that they have to pay back in the case of these resident doctors.   But that's besides the point. It's common for these specialist physicians, once they start working, to work as a doctor for, say, 58 hours a week… or 71-and-a-half hours a week.    Now I said that high salaries don't create wealth. How wealthy are you, if after undergrad, med school, and three years of low paid residency, you finally get out, you're in your 30s or older, and you're working 60+ hours a week.    60+ hours a week is not MY idea of wealth and freedom at all.    You know what else, when you've pursued a specialty track like that, which often comes with loads of debt, you are in so deep - you've invested so much time & energy & chapters of your life… and DEBT into that field you CAN'T pivot to another career, even if you wanted to.    You're trapped. Entrapment is the very opposite of wealth and freedom.     Understand, I just went out and gave an example of perhaps the highest salary type of person that I can think of… to help prove my point. Where's that leave you?   And you've probably heard… the “end game” trope… about climbing the corporate ladder by now.    Yep, you spent the best years of your life climbing the corporate ladder… only to find at the end… at the top… that the ladder was leaning up against the wrong wall the whole time.   Because high salaries don't make people wealthy, then how do people get wealthy from OWNING THINGS?     There are two main ways:   #1 - You can launch and own a business. #2 - Real estate.   Now, launching and owning a business takes a ton of entrepreneurial ambition, risk, and you've got to have a novel idea - a NEW idea - that creates value for the world.   This can be a worthwhile venture… and successful entrepreneurs create value for the world with their own business. It's terrific! It's capitalistic! It's turning lower use resources into higher use resources.   But unless you have your own money, you're going to have to be scrappy and resilient for a long time. Because it's really hard to get loans for a new business.   If you hire anyone to help you, you need to quickly produce enough income to have leftover profit - paying your overhead expenses, software subscriptions, paying your help… and having enough leftover to fuel your own lifestyle.   Household names like Apple and Facebook are one-in-a-million. You don't have to be an Apple or Facebook. But it's tough.    The first way is by owning a business. The second way is by owning real estate.    New businesses are unproven. Real estate is proven. Like I say, wealthy people's money either starts out in RE or ends up in RE.   But how do you OWN much real estate? Because RE is expensive, and wealth is created by OWNING things.   With prudent loans. Because RE is proven, banks will GIVE you loans. Lots of them. Have good credit, be credit worthy.   And… being credit worthy should be an innate trait in any virtuous human being. Because it shows that you repay the debts that you owe.    I think that when it comes to debt, debt is like fire. Don't let a little kid play with fire. They'll burn down the house.    Leave fire to adults. They'll use it to HEAT the house.    Leave debt to the adults. Use debt to fuel your lifestyle, fuel your ambitions, and fuel your opportunities. To the scarcity mindset of “all debt is bad”, here at GRE we say, you're an adult. Grow up.    Learn… that debt is Leverage… and your debt isn't paid back by you at all. Tenants and inflation both RELENTLESSLY and INCESSANTLY pay it down for you, until they pay it OFF for you… if you want.     So then, who's really funding your wealth, enabling you to own things?    Who really funded my wealth from nothing, enabling me to own things?    Who funded my retirement? Leverage… from Chase Bank, Wells Fargo, Bank of America, and other banks. They all give you the opportunity to let THEM fund your wealth for you.    Now, I'm going to explain a core GRE principle here. But so that this isn't repetitive for the longtime listener, I'll use a NEW analogy for you, here.   Look, let's say that you're a kid. You don't know how to responsibly use fire or debt. In fact, you're still just 4' tall.    But learning about leverage is like… seeing the light.   Now, with the sunlight, a 4' tall kid can now cast a 20' tall shadow. You look like a giant now.   5-to-1 leverage made you, not just grow up, but grow into a giant. You suddenly wield the power of a financial giant thanks to the banks.    Because with your 20% down payment, you're only putting up one-fifth of the property price.   How then, do these big banks make you a giant?   Let's say that's your $40K down - on a $200K income property, when the property appreciates only 4% - like RE did last year per the NAR number - you just got a 20% return.    How? Because you got a 4% return on both your $40K down… and you got a 4% return on your $160K borrowed.    Yep, the return from that $160K of borrowed bank money didn't go to Wells Fargo, it won't go to Chase Bank, it won't go to Bank of America.   It ALL goes to you - because you leveraged them. That's how you beat the banks. That's how you build wealth.   Two years ago, when property appreciated 10% that year, you got a 50% leveraged return.   And it gets better than that. You can make income property down payments even lower than 20%, like I did when I began.   A 4' tall kid then, that sees the light, can cast an even taller shadow than 20 feet at 5:1 leverage. A bigger giant.     Any GRE devotee knows that leveraged appreciation is one of just 5 ways you're paid. We're only talking about ONE here.   Sounds amazing. Some think, “There's gotta be a catch.” There is, but it's manageable. Leverage amplifies losses, just like gains.   Though it doesn't happen often, RE can go down in value.    Even in a downturn, look at what happens. Between any ten-year period, nominally, you won't find any loss of RE value in modern history… and you must manage cash flows.   So, no. This is not a 6-month plan. It's to build wealth durably with a reliable vehicle in more like five to ten years.    It gets better. As your equity grows, harvesting it out through a cash-out refi maintains your… magnification into a financial giant, to stick with the analogy.   And every cash-out refinance that you do… is a tax-free event. Not tax-deferred. Tax-free.   You can make tax-free cash grabs, separating it out from your properties along the way, since the IRS doesn't classify debt windfalls as taxable income, and you have a pro PM handling all the day-to-day for you, if you prefer.   Now you really know WHY, wealth is not created from high salaries. It's created from owning things.     And you need to be more than creditworthy. You need to be strategic in building your portfolio with the right properties in the right markets.    Set up a time with one of our GRE Investment Coaches… and they help you do exactly that for free.   Either that or you can just keep believing that high SALARIES create wealth. Ha!    Now, a few weeks ago here on the show, I told you that I've had a sit-down meeting coming up with a conventional financial advisor - a retirement planner type of guy.    I've been getting their e-mails and dismissing them, for 8 or 10 years, but I always stayed subscribed.   This is from when I used to work at a State DOT - Department of Transportation.    So I finally responded & we set up a 1-hour sit-down. We did it virtually on web conferencing.    I prepared by having some things ready for him that he asked for - like my monthly cash flow statement, net worth worksheet, and he also asked I have my Soc. Sec. statement pulled up, so I had that ready.   Now, this is not the forum for espousing GRE's proven wealth-building formula to him. No PROS-il-uh-tie-zing. proselytizing.    And, he told me that… I'm in really good shape.   He didn't dig in with questions on my backstory, like, how were you able to retire at such a young age… or how did you amass all this?   And yes, I could retire now. I could have a while ago. I think you know that.    He was interested in knowing what the cash flow from the rental properties was. In fact, that was his first question about them. Good first question.    Interestingly, he really wanted to know how long I have to pay on my rentals. Like, when would the 30-year mortgages be paid off?    Well, gosh, they all have 20-some years to go. Most of them are clustered around 27 years to go.    He could see that I COULD pay many of them off quickly, now, if I wanted to. But he didn't tell me that I should. Of course, I wouldn't want to lose the leverage.   You know the most interesting question that this conventional financial advisor asked about these properties that I have all over the place, in different states and even nations?   He asked, “Do you plan to LIVE in any of these areas?”  No, I don't plan to live in those properties or even in those areas. I pick investor-advantaged areas for investments, and live where I want to live.   Now, he encouraged me to import my financial info into their retirement portal. When I say, they, he works for a private company that administers the DOT's retirement plan.   You know, I had previously been reluctant to do that and share all my financials with another party.    But, I've got to say, I've reconsidered and MIGHT enter it in there. It does some pretty impressive modeling and scenarios.    For the properties, you enter the address and they use Zillow estimated values.    It looks at how the graphs change when you get to the age of where any pensions and soc sec & all that enters your life.    All-in-all, maybe you thought I'd bust this guy's chops for being scarcity-minded or not about passive cash flow. But he was pretty good. It was an hour of my time well-spent, I would even say.    And again, the reason that I was able to be positioned this way comes down to… relying on compound LEVERAGE, not compound interest - casting the shadow of a 20-foot tall giant compared to when you're a 4-foot tall child.   BTW, I do NOT consider myself retired. I remote “asset manage” my REIs and I produce this show, produce videos for our YouTube channel, write our newsletter, and write for Forbes and more… on material that is interesting to me and helps others.   Coming up straight ahead, why do homes in Western US states cost more than homes in the East?   This fact makes zero sense to most people, because areas east of the Mississippi River are more densely populated.    In fact, nearly 2/3rds live on just over 1/3rd of the land, suggesting the East should clearly be pricier.    Then how could it be opposite? It might seem weird. That's coming up shortly.   You're listening to Get Rich Education podcast Episode 497. That means we're just three weeks away from a special, milestone, Episode 500.   I'll tell ya. I sure know how to put the performance pressure on myself, don't I? Ha!    Something here that we don't often talk about or offer the opportunity for…   … if you're a business owner or decision maker and would like to advertise on our platform, well, we'd like to check you out first.    Often, I use the product or service myself first.     Get Rich Education is ranked in the Top one-half of 1% of listened-to podcasts globally, per Listen Notes.    On air EVERY single week since 2014, some say that we were the first show to finally CLEARLY explain how RE makes ordinary people wealthy.    For advertising information and inquiries, visit, GetRichEducation.com/Ad. That's GetRichEducation.com/A-D   More next. I'm KW. You're listening to Get Rich Education.    A little tribute and melodic swan song to Russell Gray there.   Welcome back to Get Rich Education. I'm your host, KW.    Before returning to real estate, let's do a quick first quarter asset class review.   It's coming a little later than usual here. But it's good to see what the rest of the world is doing.    Almost everywhere you look, asset prices are up, up, up.   In real estate, as housing intelligence analyst Rick Sharga & I discussed in detail here in each of the last two weeks, prices & sales volume are both up.   The S&P had its best start to a year since 2019, up 11%   The yield on the 10-yr T-note was up 26 basis points. Remember that mortgage rates move closely along with that.    Gold was up 8% to an ATH over $2,200. And gold even touched $2,300 here in Q2.   In the first quarter, oil was up 15% to $83.   Bitcoin was up 68% to $70K   And the biggest beneficiary of AI hype, Nvidia was up 88% in just the first quarter.   And this is even wilder - a little wild card for you here - for the first time ever, cocoa prices briefly surpassed $10,000 per metric ton, making the confectionary commodity more valuable than copper.   That's what's goin' in the TOTAL investment world.   Why do homes out West cost more than homes in Eastern states?   This fact makes zero sense to most people, because the East is more densely populated.    According to the US Census Bureau, 64.4% of Americans live east of the Mississippi River. That's on land that's barely more than one-third of the US - because the Mississippi doesn't run right down the center, it's a little to the east of center in the contiguous states.   So this means that nearly 2/3rds of people live on just over 1/3rd of the land, suggesting the East has GOT be pricier.    Well, it's strange to many that it is, in fact, just the opposite. The West is pricier.   Now that pandemic migration and RE prices have settled, we've taken a fresh look at prices and this trend - which is curious to many - continues.   Let me demystify it for you.    And you saw a beautiful, colorful map that brilliantly demonstrates this. I sent it to you a few weeks ago if you're a DQYD Letter subscriber.    Now, there are some notable exceptions to "the West is pricier", like New England and south Florida. Housing is expensive in densely populated northeastern cities.   New Mexico is an outlier as a cheap western state.   No, the West is not pricier because The Kardashians' lavish $200M total portfolio of California real estate skews the entire nation.   Here's my more, I suppose, scholarly breakdown.    Yes, one of my degrees was in Geography before I became a real estate investor.   The first reason is - NEW: The west has more new-build homes.   Higher costs of land and labor, then, had to be priced in. Eastern homes are older because it's closer to Europe's (die-A-spruh) diaspora, where the US' early immigration was heaviest.   Then there's the factor of - the FEDS: No, not Jerome Powell's Fed.    It's that over 90% of federal land is located out West. No building is typically allowed here, and that makes developable land more scarce.   This helps explain why when you see huge swaths of undeveloped land when you fly over the West and think there's boundless room for growth and sprawl, often times, there… is… not.   3-D: Maps are 2-D. The world is 3-D. Western housing is expensive because you have scenarios like port cities surrounded by mountains and high desert.    So developable land is more scarce than it seems, making demand exceed supply in more places out West than what one might think.    San Fran is confined by the bay and hills. Seattle is confined to an isthmus. Salt Lake City is next to the Wasatch Range. Alaska looks enormous, but nearly half it's state's population lives in the biggest city of Anchorage, which is sandwiched between water, mountains, and that aforementioned federal land.   The fourth reason, is CALIFORNIA DREAMIN'. Despite recent domestic OUT migration and The Kardashians aside, California REALLY DOES help tilt the balance.    People are attracted to SoCal's Mediterranean climate such that nearly 1-in-8 Americans are still coolin' in Cali, with a median home price of $737,700. That climate desirability drives up prices.   Much of CA also has… these layers - just myriad - codes and limits and regulations like, for example, solar panels on new construction that can add $25K to a home's cost alone.   The next reason western homes cost more than Eastern home is, what I'll call…   DOWN BY THE RIVER:    [Play insert]   Ha! Famous classic comedy sketch there, with the late Chris Farley.    The East has the Great Lakes and more rivers.    It costs 1/12th as much to transport goods and housing materials over water than land.    That is a fact that has been stated on this show previously. It was first brought up a few years ago when we had geopolitical strategist Peter Zeihan here to discuss the “geography of real estate” with me.    A river city like Memphis is a GIGANTIC transportation hub, for example. This keeps down the costs for all kinds of consumer goods and building materials, making for a lower cost of living and, in turn, property prices.    QUAKIN': There's more seismicity out West. It costs more to BUILD to those construction standards.    For example, CA and WA are 20%+ more expensive to build than many Southeastern states. There are more fires in the Western US, tornadoes in the middle, and hurricanes in the East.   JOBS: It takes more high-paying jobs to attract new residents and get them to uproot and move to the faster-growing West. Higher incomes buy pricier homes.    The East has tons of jobs going for it too. In fact, the northeast might be the world's most productive region - NYC, Boston, Philly, DC.    But out in Appalachia and elsewhere, there are some waning business sectors like various heavy industries and coal. But most of the ones that were going to move out, already HAVE moved out, decades go. Much of that downdrain is overwith.   The last reason is…   I CAN SEE CLEARLY NOW: The West has mountain and desert VIEWS. These can be seen from farther away than Eastern… forest and flatter areas and piedmont landscapes. The East has a lot of lake and river view properties though… and…    There they are—8 reasons why Western homes cost more than Eastern homes.   Now you know why West Virginia has million dollar homes so big that you can get lost indoors.    And in coastal Cali, it seems like a million bucks gets you little more than a ramshackled pool house.   Of course, at times, I've had to make gross generalizations about such a vast nation of 340 million people and so many variables.    Otherwise, this episode could be a few hours long. As I discussed those, you sure could think to yourself at times, “I believe there's an EXCEPTION to that criterion.”   I want to tell you why this all MATTERS TO YOU shortly.    Yes, there is some irony here though. The western US has lands that are arid, inhospitable, and what some describe as wastelands, like four deserts.   Well, the invention of the air conditioner made those places more livable.    The West also has the most beautiful national parks, and hey, some find places in the East INhospitable, like Michigan's Upper Peninsula in March.   Now, I like a change in seasons, coming from Pennsylvania like I do, but some don't. You've got to serve real estate to where people want to own and rent.    Florida has not been thought of as a mosquito-infested swamp since last century. Today, it's livable and desirable to many.    Now, there are some other factors in addition to the main 8 reasons I've mentioned, on why Western US homes cost more than Eastern US homes, from a slavery legacy to unionization and more. I've been hitting the big ones here.   Real estate has made more ordinary people wealthy than anything else.    When you're on our website, GRE Marketplace, and hover over the blue "INVEST" button, you'll notice that most long-term rental investor markets are in the East.   There's a reason.   Rents are strong relative to this LOW PURCHASE PRICE that I've discussed here.   And now you know more of the “whys” behind the Eastern US' lower property prices. And maybe, today, I hope it's the BEST understanding you've ever had for why that's the case.    We buy in strategically chosen GROWTH areas that tend to be more East than West.    And, that's really part of the progression of this show. We began in 2014 with this podcast and other real estate investor education. We still lead with that.   But next, listeners wanted to know where they could FIND PROPERTIES conducive to our wealth-building strategy, and we added that at GRE Marketplace.    Yet, that still wasn't enough because I noticed that some of you that wanted to build your wealth with real estate, needed to make it easier to have your questions answered, or find a lender, or insurer, or find just the right property in the right market that fits your goals.   So starting more than two years ago, we added Investment Coaching - it's still free like everything else that we do here.    Our coaches are real people and real, direct, real estate investors just like you are… and just like I am. Our coaches simply have more EXPERIENCE doing it than most people do.   Because knowledge is not power, but knowledge plus action is power, I often like to leave you with something actionable… that's really going to help you at the close of the show.    If you didn't already know, you can find properties and a coach, at GREmarketplace.com   Until next week, I'm your host, KW. DQYD!  

Get our free real estate course and newsletter: GRE Letter Our core formula here at GRE is simple, buy-and-hold real estate. Then where does your profit come from? I explain. Where will your next tenant come from? Essentially, market intelligence analyst Rick Sharga & I answer this today. We explore job growth, wage growth, and the condition of today's consumer / tenant.  Rick Sharga doesn't believe that mortgage rates will fall substantially until the Fed Funds Rate does. This isn't likely to happen until at least June. Consumers are exhibiting some distress signals. Credit card debt has swelled. We break it down. Many economic indicators still show that they'll still be an economic slowdown.  In most recessions, home sales and home prices both rise. Resources mentioned: Show Page: GetRichEducation.com/495 Inquire about business with Rick: CJPatrick.com Rick Sharga on X: @ricksharga LinkedIn: Rick Sharga 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 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:   Keith Weinhold (00:00:00) - Welcome to gray. I'm your host, Keith Weinhold. We aren't fooling around on April Fool's Day. How can you be assured of having rent paying tenants in the future? That's dictated by the economy, job growth and real wage growth above inflation. Well, how exactly does all that relate to the housing market? We break it down today with an expert guest on Get Rich Education. When you want the best real estate and finance info, the modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers are. At no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple. Text GRE to 66866. And when you start the free newsletter, you'll also get my one hour fast real estate course completely free.   Keith Weinhold (00:01:16) - It's called the Don't Quit Your Daydream letter and it wires your mind for wealth. Make sure you read it. Text GRE to 66866. Text GRE to 66866.   Corey Coates (00:01:33) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold (00:01:49) - What category? You're listening to one of America's longest running in most listened to shows on real estate investing, the Voice of Real Estate since 2014. This is get rich education. I'm your host. My name is Keith Weinhold, and you probably know that by now. But what we never truly know is the direction of the economy and how it shapes the housing market. Well, an expert and I are putting our heads together for you today to give you the best indication that we possibly can. I'll be with us shortly. And he is coming, armed with all of his best indicators and statistics. Last week here on the show, I got somewhat philosophical with you at times when I posited the question, do you want to retire? And I helped answer the question, what is retirement today anyway? I had a lot of good feedback on that show, but today we're talking about more concrete indicators with some numbers.   Keith Weinhold (00:02:50) - For example, historically in a recession, what really happens to real estate prices? We're going to answer that and more questions like it today. Now, I like to say that wealthy people's money either starts out in real estate or ends up in real estate, but there are so many ways to do it, so many ways to do real estate right? Hence so many ways to do it wrong as well. Our formula that we use here at GRE more than any other, is something we use because it is so simple that I think some people overlook it. It is buy and hold. Yeah, mostly long term buy and hold residential rentals. Now, we sure talk about some other things too, but that's really a cheap formula, something that we focused on since day one here. Now there surely can be some other good strategies as long as you execute, right? Flipping, wholesaling, Oreos, the birth strategy, self-storage units, RV parks and a lot more. But with buy and hold, I think some people know the real estate.   Keith Weinhold (00:03:58) - They might then ask, well, well where's your margin on that? Where does your profit come from if you just buy and hold? Or they might even think that that strategy is really slow and a 40 year game plan. Well, then they learn about the five ways and that changes that. It's largely about buying strategically and then managing your manager. I think most people dream of a life where they can just spend their time remotely managing their investments here and there. Now, for me, most months, I don't have anything to do with managing a property manager in a certain market. I just get the cash flow and then I do browse the monthly property statement. Some months had only been do that because from the amount of cash flow received, I can often see that nothing really went wrong for the month because from the amount of cash flow received, I can often see that nothing really went wrong for the month. Tax benefits as one of the five ways you're paid. That takes some management to and you know this tax time of year with my bookkeeper.   Keith Weinhold (00:05:11) - At times she emails me and asks me for this and that scrap of information. The mindset that helped me manage all the generous tax benefits of real estate is not taking my bookkeepers questions as an occasional annoyance, but rather taking the mindset of tax benefits or something that you can manage throughout the year. And that way when my bookkeeper goes an entire month without asking me for something, it can feel like a short break. Sort of like something was turned off for a month. And hey, first world problems, right? Downloading a document and emailing it to your bookkeeper ten minutes a month., today is also talking about where your next tenant is coming from, which really, at the end of the day, is what a real estate economics discussion is about. Well, it's also about giving tenants the housing that they want, meeting their desired lifestyle and the set of amenities that are both going to attract your renter in the first place and then retain your renter over the long term every year. Building,, the property management software company, they ask thousands of renters which amenities and property layouts would motivate them to choose one rental property over another.   Keith Weinhold (00:06:33) - That's what they're asking tenants. And what you imagine that renters might want could be different from the reality. For years now, renters are prioritizing their neighborhood quality. In the amenities that are actually inside the rental unit. Those things are more important than they are the shared community amenities like a pool, lobby, clubhouse or gym. Renters are gravitating toward neighborhoods that are safe and quiet, but yet are still convenient to stores and restaurants. And that led to half of the renters surveyed to rental properties that are located in the suburbs. Now, when it comes to the amenities within their rental unit that they're prioritizing, renters want a space with kind of all those comforts of home air conditioning and a washer and dryer to the option to own a pet. And these are the feature types of single family rentals, although some newer apartments can meet that too. And some condos community amenities. Then like a fitness center or a pool. I mean, they still hold some appeal to residents in these surveys, but lately they're seen more merely as perks instead of necessities for today's cost conscious renters.   Keith Weinhold (00:07:55) - So the bottom line here with this survey is that it's what's actually inside the unit that's become more important. And maybe that's a little too bad as people tend to get less social. They're using community areas less, they're prioritizing them less. And hey, maybe they just want to lie on the sofa and scroll their phone in a nice, comfortable place. Hey, you've got a suit and fit the world as it is, not as the way that you wanted to be, at least when you're providing others with housing. Hey, coming up here both on the show and on our YouTube channel, why do Western US homes cost more than eastern US homes on average? This seems geographically paradoxical. It feels backwards to a lot of people, because almost two thirds of the United States lives east of the Mississippi River, and yet that area comprises just over one third of all the land. You've got almost two thirds of people living on just over one third of all the land in the East. So to some more people on less area, oh, that would have to mean that eastern home prices are more costly.   Keith Weinhold (00:09:09) - No, it is exactly the opposite. In fact, coming up on a future show, I'll share eight plus reasons why. This is why Western US homes cost more than eastern ones. And this is also why many of the best cash flow markets, they tend to be in the eastern half of the US. They have those lower purchase prices also coming up in the future. I'm about to have a talk. This talk isn't going to be on the show here, but a talk with a conventional financial advisor about my own personal retirement. I've got an appointment with this person and this ought to be interesting. We'll see what he says about my situation. I'll try not to lecture him on how financially free beats debt free or anything like that. We'll see if I can hold off doing that. And if that meeting produces some interesting takeaways or just humorous ones, I'm going to share that with you in the future. And if you want to be sure to hear those upcoming episodes on subjects like that, I invite you to follow the show here on your favorite podcast.   Keith Weinhold (00:10:17) - And that way you won't miss any upcoming episodes. I only met today's guest about two years ago. We enjoyed that conversation and now we collaborate regularly. He helps provide crucial market updates that straight ahead. I'm Keith Reinhold, you're listening to episode 495 of get Rich education. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns, or better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate. And I kind of love how the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866.   Keith Weinhold (00:11:31) - Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six. Role under the specific expert with income property you need. Ridge lending Group Nmls 42056. In gray history from beginners to veterans, they provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your pre-qualification and chat with President Charlie Ridge personally. They'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com. This is Rich dad advisor Tom Wheelwright. Listen to get Rich education with Keith Reinhold and don't quit your daydream. You are going to get a fantastic real estate market update today, and you'll also learn lessons if you're consuming this 5 or 10 years from now. Our expert guest has been the executive VP of markets. Some of America's leading housing intelligence firms named it national lists of most influential real estate leaders. He's frequently quoted on real estate, mortgage and foreclosure markets, too.   Keith Weinhold (00:12:59) - He runs the real estate market intelligence firm, the C.J. Patrick Company. Hey, welcome back to Great Rick Saga. Always a pleasure to spend some time with you, Keith. Thank you for having me. Oh, same here, because, Rick, you've been with us here every six months for about two years now. You and I discussed the condition of the overall economy as well as the real estate market. I think of both of those as resilient today. Now, back when I was a new real estate investor, Rick, I didn't know to look at the broad economy at all. I was more concerned with if, say, on a vacant unit that I had, I had the drywall texture just right to try to attract a new tenant ASAP. Now that surely matters. But time gave me the perspective to know that what matters more is to have a local stable of tenants that are capable of paying the rent, and that's what matters more. So with that in mind, where would you like to begin? That's great counsel.   Keith Weinhold (00:14:03) - And it's really important for investors or even somebody looking to buy a house, understand what's going on economically, both across the country and in their region. So why don't we start by taking a look at what's going on in the economy? There's been a lot of conversation about potential recession. We can talk a bit about that, but if you're good to go, we'll start by just sharing some information about the US economy and some of the trends that we're seeing. Yeah, let's go ahead and do that. And yes, that dreaded our word may very well come up. That thing that we've all been waiting for but has never happened. Don't count your chickens just yet. But let's see what's going on. Because on average, recessions do happen every five years. It's just a normal part of the business cycle. Yeah, that's important to keep in context. I'm glad you brought that up. Recessions are a normal part of the business cycle and the economic cycle. We may be slightly overdue to have one at this point, although the last one that we had took very, very long to recover from, the Great Recession that started back in 2008 took a full decade to recover from, which is also very unusual.   Keith Weinhold (00:15:05) - So we'll take a look at some of these cycles and see where we are today. Keith, the basic metric that most economists look at when they're trying to figure out the strength of the US economy is is something called the gross domestic product, the GDP.   Rick Sharga (00:15:18) - We track that to see if it's growing, if it's declining. The technical definition of a recession is two consecutive quarters of negative GDP growth. And there's been a lot of talk about the GDP slowing down in the US. But really it's been mostly talk. In fact, if you look at the last quarter, we have data four, which was the fourth quarter of last year. You can see that the GDP grew by 3.2 3.3%, which was a much higher number than what most economists had forecast.   Keith Weinhold (00:15:47) - That resilient economy with a low unemployment rate, jobs being added and productive growth in the GDP.   Rick Sharga (00:15:54) - Yeah, we're going to get to all of that. And it's a great point. If you look at what makes up the GDP, about two thirds of it is comprised of consumer spending, right.   Rick Sharga (00:16:04) - So typically when you see strong GDP numbers, you're consumer is doing pretty well. And a lot of this probably has to do with consumers still having money to spend from the enormous amount of stimulus that the federal government poured into the economy to help prevent a recession or depression during Covid. About $15 trillion in all of the stimulus that was sent out to consumers and businesses alike. And that's probably helped us weather the storm of what normally might have been a slowdown in the economy. We are, however, Keith, in a globally interconnected economy, and it's important to note that not all of our peers are doing quite as well. Canada may already be in a recession. The UK is almost certainly in a recession. The eurozone barely escaped going into recessionary numbers in the last quarter, and even markets like China aren't doing as well as as expected. And I'm not saying that to gloat about how well the US is doing. I'm saying that is sort of a warning that if we do get into a situation where it looks like there's a global recession going on, it's very unlikely the US will come out of that untainted at all.   Rick Sharga (00:17:09) - So it's something to keep an eye on as we move forward.   Keith Weinhold (00:17:11) - Right. 100%.   Rick Sharga (00:17:13) - You mentioned unemployment a couple of minutes ago, Keith, and that's one of the other economic metrics we check. Unemployment went all the way up. And I say that facetiously. The 3.9% in the numbers, full employment is considered to be anywhere at 5% unemployment or lower. And we haven't been at 5% unemployment. Probably since about 2016, with the exception of the blip we had during the Covid pandemic, when the government shut things down and we had a huge increase in unemployment temporarily. But we are continuing to see very, very strong job numbers, both in terms of these low levels of unemployment and in terms of job growth. The January and February numbers again caught the economists who come up with these consensus forecasts by surprise. In January, about 350,000 jobs created. In February, about 250,000 jobs created. I should put an asterisk on some of these numbers. When you hear politicians talking about all the jobs they've created over the last few years.   Rick Sharga (00:18:15) - Keep in mind that during the Covid pandemic, we wiped out about 22 million jobs virtually overnight. A lot of the millions of jobs that have been created over the last few years were really those old jobs being refilled. We filled most of those within about two years, and we have continued to create jobs since then. We have more jobs than we have people looking for work. They're about 8.5 million jobs open, about 6 to 6.5 million people looking for work.   Keith Weinhold (00:18:43) - You can almost think that this is an over employed condition.   Rick Sharga (00:18:46) - And it almost is in most cases, not all cases, but in most cases, somebody who doesn't have a job right now just isn't looking for a job right now. And these are not all service level jobs. That's the other pushback I get when I'm out talking to groups sometimes. Oh yeah, but not everybody wants to work at Starbucks. Well, first of all, you get pretty good benefits of Starbucks free coffee healthcare. But let's not do a Starbucks commercial. These are government jobs.   Rick Sharga (00:19:10) - They're manufacturing jobs. They're construction jobs. They are some type of service level jobs. But these are jobs across the board. And because there are more jobs available than people are looking for work, we're seeing wages go up. The average hourly wage across the country last month was over $29 an hour, which is the highest it's ever been. And if you look at wage growth on a year over year basis, it's running at about 5%. And really, Keith, this is the first time in a number of years that we can say with certainty that wage growth is actually running at a higher pace than the rate of inflation, right.   Keith Weinhold (00:19:44) - And that really matters. That really helps pay the rent. One thing that detractors say with the unemployment rate, you talked about them not necessarily being consolidated in the low paid service sector area, is that a lot of people lament, well, aren't many of these part time jobs? Where are your thoughts there?   Rick Sharga (00:20:01) - There are a probably historically large number of part time jobs, but we also have an awful lot of people who have opted out of full time work for a variety of reasons, and are thrilled to be able to pick up some money working in the gig economy.   Rick Sharga (00:20:16) - So whether they're driving for Uber or Lyft, they're doing DoorDash or something else that's a part time job that they're doing just to either, in some cases, kill time or to make a little bit of extra money. This isn't an economy where the majority of part time workers are in part time jobs, because they can't find a full time job. That's simply not the case, and the data doesn't support that.   Keith Weinhold (00:20:41) - Now, if you, the listener and viewer here are wondering, well, this stuff doesn't apply directly to me. I'm good. I'm secure in my job. Maybe I don't even need a job. Keep in mind that we're talking about the financial condition of your tenant today.   Rick Sharga (00:20:57) - Yeah. When I'm talking to to real estate investors in general, I know that you were talking about drywall earlier, and sometimes you really can't see the forest for the trees. You're kind of overwhelmed or you're not sure where you should actually be looking. I tell them in many cases, to pay less attention to home prices and rental rates and more attention to some of the underlying fundamental economic conditions.   Rick Sharga (00:21:20) - Are you in a market where population is growing or declining? Are you in a market where there's job growth? Are you in a market where there's wage growth? If you're at a market where the population, jobs and wages are all growing, you're going to be in a pretty healthy market for real estate, whether it's owner occupied properties or its rental properties. On the other hand, if jobs are leaving your market, if wages are going down, if population is declining, those are warning signs. And it might be an indication that that's not a good market to start investing more in. So everything we're talking about really does get connected back to the housing market, whether it's rental housing or owner occupied housing. And it's important to see these trends for what they are.   Keith Weinhold (00:22:04) - And of course, we're talking about these factors on a national level. As we know, our real estate is local, and our audience is often interested in studying a metro market before they decide to invest there. So on that more regional level, Rick, or local level, do you have any favorite resources or websites or apps that you think are important for prospective investors to look at first within a certain region or MSA? Well, you.   Rick Sharga (00:22:33) - Can. Find a lot of local market data on some of the free housing sites that are out there. The Zillow's, the Realtor.com is the homes dot coms of the world. If you go beyond the basic home search, or if you dig deep into some of the information that they provide on local markets, within that home search, you'll find a lot of information there. There are third party companies. There's a company I'm familiar with it that works mostly with realtors, but has a lot of data that investors would probably be interested in. It's called keeping current matters. Yeah, they do an awful lot of reporting on this. But if you really want to do your own research and you don't mind doing a little bit of digging, I find that the Department of Labor and the Census Bureau and the Bureau of Labor Statistics, all government entities, have just copious amounts of local market information. You can find, you know, down to what does the local Pipefitter earn on an hourly basis in Peoria? There's all of that data out there for free on these government sites.   Rick Sharga (00:23:34) - You just have to be willing to do a little bit of research and dig through those sites.   Keith Weinhold (00:23:39) - Right. And sometimes the government websites don't exactly present their information in a beautiful, graphically rich way. But this is part of your research. Some people don't realize that, Fred, the Federal Reserve economic data has an awful lot of regional and local information, not just national information as well. Well, thanks for sharing some of those resources, Rick, and where you like to go and look, that can really help our audience. What else should a real estate investor know about today's overall economy?   Rick Sharga (00:24:08) - So we talked about consumer spending and the reliance our economy does have on consumer spending. And one of the things that I'm watching fairly carefully right now is an apparent disconnect between consumer confidence and consumer spending. So if you go back to when the pandemic hit and the lockdown occurred, consumer spending obviously fell off a cliff. There was just nothing to buy. And consumer confidence took a major hit with the announcement of the pandemic.   Rick Sharga (00:24:34) - Consumer spending as soon as the lockdown was over started to come back strongly and has never slowed down. It's hit an all time high today. Consumer confidence, on the other hand, was battered a little bit by subsequent waves of Covid, by threatened government shutdown in Washington, by the war in Ukraine, by the more recent war in the Middle East. And so the concern here is that if consumer confidence doesn't come back, we might see spending revert to the mean. And actually, as economists would say, and come back down, which would cause, at the very least an economic slowdown and at the worst, probably a recession. So it is something we're keeping an eye on. Consumer confidence has been improving a little bit lately, but historically it's gone hand in hand with consumer spending. And that simply hasn't been the case in recent months. So it is something we're keeping an eye on.   Keith Weinhold (00:25:25) - Now, one might wonder how do you measure confidence? Well, there are various surveys out there. And Rick, the way I think of it with consumers is that consumer confidence is more of a leading indicator, and then the actual consumption is more of a trailing indicator.   Rick Sharga (00:25:42) - I completely agree with you. The sentiment index that I follow most closely is one that's put out by the University of Michigan. Yeah, and it's been out there for decades. So there's an awful lot of history that goes with it. And generally speaking, on any index, you're looking for a number that's around or above 100 because that usually is your baseline. And some of the more recent months we've seen numbers down in the 50s and 60s. Now they've been trending up, as I said, in recent months. But that's something that's reported on very widely by the press. We were talking about sourcing things for investors. And I have to tell you, the just doing a basic Google search for something like, what's consumer confidence like today? You'd be surprised. The rich information that you can pull just from Google, that you can start to find some of these sources online. But that is one thing that we're watching. And, Keith, I think it's important to break out a little bit in more detail how consumers are spending or what they're spending with.   Rick Sharga (00:26:44) - And these are potential red flags for the economy, consumer credit card use. The amount of debt on credit cards surpassed $1 trillion in the third quarter of last year for the first time ever, and it got close to 1.2 trillion in the fourth quarter. That's an awful lot of credit card spending. Regardless of what you want to talk to me about, with inflation adjusted dollars, it's still $1 trillion. And that happened at a time when credit card interest rates had soared because of what the Federal Reserve was doing. So you're talking about people spending 1 to $1.2 trillion on their credit cards, when the average interest rate on a new credit card issued was between 25 and 30%. Gosh. Which, by the way, is a high enough number that it used to get you arrested for usury. And apparently now it's the new. Normal and it's okay. But this is concern. And one of the big concerns is because the cost of living has become so high and it's so difficult for so many families. The worry is that people might be starting to use their credit cards to make ends meet, to buy basic necessities, and that historically has not been a story with a happy ending.   Rick Sharga (00:27:52) - So we are watching credit card use. We're also watching personal savings rates. When the government stimulus came out, we saw a savings rates at all time highs. We then saw savings declined rapidly to all time low levels. They've recovered a little bit, but they're still on the low end of things, historically speaking. So the same worry here, Keith, which is that we're worried that families might be dipping into personal savings in order to make ends meet. And that combination, there's some research that suggests that, on average, the US household has more credit card debt than they have savings, and that's just not a healthy ratio for anybody to have.   Keith Weinhold (00:28:30) - Yeah, America has very much so they live for today mindset I think. So therefore it was a pretty predictable that after the Covid stimulus payments that savings levels probably would drop.   Rick Sharga (00:28:42) - Yeah. It's just that they drop further than what we had hoped they would. We're going to talk about inflation in the second. I have a bit of skepticism about some of the inflation numbers that we see reported from the government because of what they include or exclude, or some of the data is trailing by a long time.   Rick Sharga (00:28:56) - So I out of frustration, I created my own CPI. It's not the consumer price index, it's the Costco price index. And I look at one of my leading indicators is salmon because I buy my salmon at Costco. And a year ago that salmon cost 999 a pound. Today shopping a Costco, that salmon costs 1299 £1.30 percent. That's a 30% lift for all the talk we hear out of the administration about gas prices going down, I can tell you that where I buy my gas at Costco, it's a couple dollars more a gallon than it was just a few years ago. And I say this with a little bit of a chuckle, and I say this knowing that it's a nuisance for me. But I've been blessed. And it's not a life or death decision for me. But there are families out there who are deciding whether or not they can buy salmon this week. And I would submit that on average, your rental family's income is lower than your owner occupied houses, families, income. And so for all of your listeners who are landlords, this is something to be paying very close attention to, despite the fact that inflation is coming down.   Rick Sharga (00:30:02) - Keep in mind that these inflation rates are on top of very high prices that we have as a result of the previous cycle of inflation. So it's going to take a while, even with wages going up for those households to catch up here. And the hope is that wage growth will continue to outpace inflation growth long enough that they'll be able to do that.   Keith Weinhold (00:30:23) - Yes, that's a positive trend. Yeah. Rick, as long is in your Costco price index, Costco doesn't try to skimp, inflate and replace your wild elastic salmon with Atlantic farmed salmon. I'm sure you're going to be paying attention to that as well as you fill your own shopping basket and come up with what's really happening with inflation. Because for those that believe the CPI, it's been reported in the low threes lately and CPI peaked at 9.1% almost two years ago in June of 2022.   Rick Sharga (00:30:55) - And what the Federal Reserve has done is unprecedented. We've only ever seen rates go this high this quickly, once in the last 50 or 60 years. That was back in the 1980s, when inflation was really in runaway mode and out of control.   Rick Sharga (00:31:10) - And normally what the Federal Reserve does is very methodical, very thoughtful. They'll raise the fed funds rate a quarter of a point. They'll sit back and wait to see what happens. They'll raise another quarter point and give it some time to take effect and so forth and so on until they feel like inflation is under control. And then they'll then they'll drop that fed funds rate. In this case, they've admitted a few things that probably took a lot for them to say out loud. They admitted that they underestimated how high inflation would get. They admitted that they underestimated how quickly it would rise. And they also admitted that they underestimated how difficult it was going to be to get it under control. So what it did peak at about 9.1% a couple of years ago. They took unprecedented steps in terms of the size of of rate hikes and the rapidity with which they raised the fed funds rate. And now they're in a position where inflation is trending more or less in the right direction. It's in the low threes, as you said, it has not come down as much in the last couple reports as they would like.   Rick Sharga (00:32:10) - And that's probably going to result in them holding the fed funds rate at its current level for at least the first half of this year before they start doing rate cuts, because the last thing they want to do is cut too soon and see inflation start to come back up.   Keith Weinhold (00:32:25) - About one month ago, I did an episode titled Why the Fed should not lower rates. Rates are. Normal and the economy doesn't need the help. So if we do have this dreaded R-word, this recession, the most convenient tool for the fed to use is to cut rates. We don't want to use up that ammo while we're still in a good position like we are today.   Rick Sharga (00:32:47) - Yeah, I don't disagree with you. And there were some economists and mostly Wall Street, who had been predicting a fed rate cut as early as March and over the course of the year. And I thought they were all crazy great. And I've been saying at the earliest, May now I think it's probably not until June. The rates are a little higher than historic averages.   Rick Sharga (00:33:05) - I could see maybe three rate cuts this year, maybe four if the economy slows down significantly. We're not we're certainly not going back to the zero rates that we had for a few years. I think the fed will be very cautious and reserved in its approach to scaling back the fed funds rate. One of the the side effects of what they did is they cast a lot of uncertainty and doubt into the financial markets, which have caused mortgage rates to skyrocket, which have caused private lending rates to skyrocket. For your listeners who borrow from private lenders. And I don't think we see those rates start to come down significantly until after the fed does its first fed funds rate cut, I suspect, and so far I've been right, that until we see that rate cut, we're going to see mortgage rates on a 30 year fixed rate loan kind of bounce back and forth in a very narrow band between about 6.75 and 7.25% for the next few months. And that's really where they've been since January. And I think that will continue to be the case until we see that first rate cut, at which point the market will probably say, okay, they're serious now we can have that sigh of relief, and then we'll see a slow and gradual reduction in mortgage rates.   Rick Sharga (00:34:21) - I did want to touch on two things related to the fed actions and the current economic issues. Keith, because I often get the question about likelihood of a recession. If you go back in history all the way back to World War two, not counting this cycle, the Federal Reserve has raised the fed funds rates 11 times in order to get inflation under control. Eight of those 11 times, they've wound up over correcting as they raise the rates right. And that steered us into a recession. The three times that didn't happen, the three times they executed a soft landing, not a recession. All three of those cycles had something in common, and that was that the fed didn't have to overcorrect because they started early. They acted proactively when it looked like inflation was getting started, and they were able to keep inflation under control without a drastic increase in the fed funds rate this cycle. They've already admitted that they waited too long and inflation got higher than they expected. And because of that, they've had to raise the rates more quickly and more dramatically again than anything we've seen in the last 40 or 50 years.   Rick Sharga (00:35:25) - So historically speaking, it would seem more likely than not that we'd see at least a mild recession. The people who say, well, if we would have seen one through this cycle, we would have already seen it often overlooked the fact that it can take 24 months after the Fed's rate hikes are done, to see the full effect on the economy.   Keith Weinhold (00:35:45) - Economies are complex and cycles move slowly. They do so, historically speaking.   Rick Sharga (00:35:50) - That's one thing. I look at the other and without getting to Inside Baseball for your listeners, is something called a yield curve inversion. Yeah. And that's when when the bonds markets sense a disruption in the force and think that Darth Vader may be hitting the economy, but basically it's when the the yields on longer term investments like ten year Treasury bonds switch places with the yields on shorter term investments like two year Treasury bonds. So the yield on a two year investment is actually higher than the yield on a ten year investment. And when you have that inversion, that's what they call a yield curve inversion.   Rick Sharga (00:36:23) - And the last eight times that's happened we've had a recession follow not always a long drawn out recession, but there's always been a recession. And this particular yield curve inversion cycle is one of the deepest and longest ones we've had in a long time. And again, using history as a precedent. That doesn't seem to be really good reason for this cycle to behave differently than the last eight half. Having said all that, we may get lucky. The fed may pull a rabbit out of its hat and actually execute that rare soft landing instead of a recession. If they do, we'll still feel the economy slowdown that's almost a given. And if they don't, if we do have a recession, every economist I speak with tells me the same thing that it's likely to be a very short, very mild recession because all of the economic fundamentals underneath are still very, very strong. And, you know, employment, wages, productivity and so forth and so on. So likely to see some sort of slowdown this year, Keith, whether it turns into an actual recession or is just very, very slow growth, that's the most likely scenario for the rest of 2024.   Keith Weinhold (00:37:30) - Well, Rick, as we wind down here, the. Last thing I'd like to ask you about is in a recession, what typically happens to real estate, because you and I both study history and something that I often say here on the show is oftentimes you need to look at history over hunches, for example, I think it's easy to have a hunch that when mortgage rates rise while home prices are definitely going to fall. No, actually, if you look at history, when mortgage rates rise, home prices typically rise because rising rates typically mean the economy strong. And another one is when home prices are up. Well, a lot of people think that others want to then jump into the housing market and buy when they see that prices are up. So then when home prices are up, well, that means rents must fall since everyone's buying. But no, these two things typically move together home prices and rents. It's about history over hunches. So with that in mind, talk to us with your historical research on in recessions, what typically happens to the real estate market?   Rick Sharga (00:38:28) - Typically, home sales go up from the beginning of recession to the end of a recession.   Rick Sharga (00:38:33) - And in fact, with the notable exception of the last recession, the Great Recession, housing is very often helped the economy recuperate from a recession and recover. And that's particularly true in the new homes market. Home prices also typically go up from the beginning of recession to the end of a recession. So you could have some short term disruption. You could see home sales volume or home prices dip slightly at the beginning of a recession. But historically speaking, in every recession except the Great Recession, we've actually seen both home sales and home prices go up. And to your point, higher mortgage rates do not historically equate to lower home prices. What they do equate to is home prices going up at a slower rate. And this last cycle has been very unusual because historically, we've never seen mortgage rates double in a single calendar year until 2022. And in fact, that year rates didn't double in a calendar year. They doubled in a couple of months.   Keith Weinhold (00:39:33) - And tripled overall.   Rick Sharga (00:39:34) - And they tripled overall. So if you look at that, we did see home prices actually decline in some markets, although nationally the number never went negative.   Rick Sharga (00:39:44) - And we saw home price appreciation drop off pretty dramatically but still stay positive on a year over year basis. So it's been kind of interesting. This has been a very unusual cycle for a lot of reasons, but historically speaking, your spot on a recession does not spell doom and gloom for the housing market. Whether you're talking about owner occupied homes or rental properties.   Keith Weinhold (00:40:06) - Rick and I talked about the general economy today. Next week, Rick is going to join us again, and we're going to focus squarely on the real estate market. So no long goodbyes, Rick. We'll see you next week.   Rick Sharga (00:40:18) - See you soon, Keith.   Keith Weinhold (00:40:25) - Yeah. Strong insights from Rick, as usual. To help sum it up, recession or not, expect some sort of economic slowdown later this year. It's expected to be mild. That's what Rick shared with us. And if that happens, expect less rent growth. Then in a recession, home prices tend to go up. That's what really happens. Wage growth keeps outpacing inflation. Now the longer that trend continues, expect more rent growth in the future.   Keith Weinhold (00:40:57) - But of course the real rate of inflation is slippery to measure. I think you could still make the case that wage growth isn't really higher than inflation. So to me, that part's actually not that bullish. Rick believes mortgage rates will stay near 7% until the fed makes their first rate cut. We discussed monetary policy today. And you surely know that's what the fed does. They control the flow of money and interest rate policy. We did not discuss fiscal policy. We're not going to next week either. Fiscal policy is something that Tom Wheelwright and I often do together. And what is the difference? Well, fiscal policy is the tax and spend side. When you think of fiscal think tax and spend, and it's often congressional committees and elected officials that make those fiscal policy decisions, not the fed. They're making the monetary policy. That's the difference. This is get rich education. So after all, we do often have these learning moments. There's more of Rick Saga next week as we pivot from talking about the broader economy this week.   Keith Weinhold (00:42:05) - And then next week, we'll really drill down on the housing market, including more on property price growth prospects, which regions are growing or shrinking, rent growth prospects, and any warning signs that investors should take notice of today. Hey, what? I'd like to think that I don't ask much of you, the listener. I'd like to ask you if you can help me out with one fairly quick thing today. I'd really appreciate it if you get value from the show here. Whether that was, say, last week's episode on what is retirement anyway or from, say, a few weeks ago, why inflation is actually an immoral force, or the latest trends like the content of today's and next week's show, or my upcoming breakdown of why Western US homes cost more than eastern US homes and other content like that that you just aren't going to find anywhere else. I'm simply asking you for your feedback. This takes the show from one way communication to some two way communication. Please consider leaving me a podcast rating and review, whether that's on Apple Podcasts, Spotify, or wherever you listen to the show.   Keith Weinhold (00:43:17) - Just do a search for, for example, how to leave an Apple Podcasts review so you can see how to do it. And then I'd be grateful for that. Rating and review more next week on the future direction of the housing market I'm Keith Weinhold. Don't quit your day dream.   Speaker 4 (00:43:37) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get Rich education LLC exclusively.   Keith Weinhold (00:44:05) - The preceding program was brought to you by your home for wealth building. Get rich education.com.

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