Podcasts about Yun

What leads skilled doctors to make dangerous mistakes in OMS sedation, and what can we do to work towards putting a stop to it? In this episode, Dr. Steve Yun, a board-certified M.D. and dental anesthesiologist from Southern California, sheds light on the most high-risk sedative used in oral and maxillofacial surgery (OMS). If you want to better understand the risks, challenges, and how to improve safety in sedation practices, this is an episode you won't want to miss. As they delve into the conversation, you'll hear three real-life examples of OMS sedation cases gone wrong, including the tragic story of six-year-old Caleb Sears. Dr. Yun unpacks the research on ketamine, the fine print found on every manufacturer's box, and what's really happening when it's used as a rescue sedative. They also discuss the safest places for the sedation provider to be during any procedure, how Caleb's Law has reshaped sedation and anesthesia practices in California, and Dr. Yun shares details of the upcoming Snow & Sedation Conference in 2026. For all this and more, start listening now!Key Points From This Episode:Background, training, and current practice setup for Dr. Steve Yun.We dive into a discussion on the most dangerous sedatives in OMS sedation.Dr. Yun shares the first real-life practical example of an OMS sedation case.Case number two of a real-life OMS sedation case: losing the airway.The last example: the case of Caleb Sears, the death of a six-year-old boy.The most dangerous sedative in OMS sedation: Ketamine.Rethinking the effects of ketamine. Dr. Yun shares some research regarding the use and effects of ketamine.We look at the drug manufacturer's instructions on a box of ketamine: the small print.What's happening when you use ketamine as a rescue sedative.Dr. Yun shares his tennis analogy: the safest places for you to be during sedation. How Caleb's Law affects the practice of OMS sedation and anesthesia in California.Last words from Dr. Yun: Snow & Sedation Conference.Rapid-fire answers from Dr. Steve Yun.Links Mentioned in Today's Episode:Dr. Steve Yun, M.D. — https://www.dentalanesthesiamd.com/ Dr. Steve Yun, M.D. Email — yunsteve@gmail.com Premier Sedation — http://www.premiersedation.com Dental Board of California — https://www.dbc.ca.gov/ Snow & Sedation Conference 2026 — https://snowandsedation.com/ ‘The effect of low-dose ketamine on fentanyl-induced respiratory depression' — https://associationofanaesthetists-publications.onlinelibrary.wiley.com/doi/full/10.1046/j.1365-2044.1998.00519.x ‘Association of ketamine use during procedural sedation with oxygen desaturation and healthcare utilisation: a multicentre retrospective hospital registry study' — https://www.bjanaesthesia.org/article/S0007-0912(24)00204-6/abstract ‘Rethinking ketamine as a panacea: adverse effects on oxygenation and postoperative outcomes' — https://www.bjanaesthesia.org/article/S0007-0912(23)00747-X/pdf  UCLA Dentistry — https://dentistry.ucla.edu/ Caleb's Law — http://www.calebslaw.org/ James —

NAR Economist Says Market Is Heading... ... Upward with median home prices increasing by 3% in 2025 and that they will grow another 4% in 2026 National Association Of Realtors Chief Economist Lawrence Yun made these statements at the 2025 Legislative Meetings at NAR Interstingly enough - these predictions mirror  What I have been saying on this podcast for the past year Yun goes on to mention that inflation is keeping interest rates high Which is "killing the housing market" The Federal Reserve has not wavered in their target of 2% Inflation was at 2.3% in April 2025 So the Fed continues to stubbornly refuse to lower rates One of the biggest things holding back the real estate market Is that home owners with low rates are reluctant  to trade their 2%-4% loans for 6%-7% loans meanwhile home prices continue to increase while many cling to the hope that prices will drop it doesn't seem likely to happen within the next year or so based on a growing number of economists projections Today's show examines how this is affecting the direction of the market

Join MAR CEO Beth Hansen and 2025 President Gena Nolan as they sit down with Dr. Lawrence Yun, Chief Economist for the National Association of REALTORS®, for an in-depth look at the forces shaping real estate in 2025. From national market trends to local insights in Mississippi, Dr. Yun breaks down what REALTORS® need to know about inventory challenges, interest rates, inflation, and the overall economic outlook.

VOV1 - Thủ tướng Chính phủ Phạm Minh Chính vừa ký Công điện số 54/CĐ-TTg ngày 30/4/2025 về việc đẩy nhanh tiến độ triển khai dự án tuyến đường sắt Lào Cai - Hà Nội - Hải Phòng.- Dự Lễ công bố quyết định đặc xá của Chủ tịch nước tại Trại giam A2, Bộ Công an, Phó Thủ tướng Thường trực Nguyễn Hòa Bình nhấn mạnh, tin tưởng người được đặc xá sẽ vượt qua mọi khó khăn, thử thách để tự tin hơn, vững vàng trong cuộc sống- Nhiều hoạt động hưởng ứng ngày Quốc tế Lao động 1/5, Tháng Công nhân và Tháng hành động an toàn vệ sinh lao động- Quyền Tổng thống Hàn Quốc Han Đúc-xu tuyên bố từ chức ngay trước ngày công bố tranh cử Tổng thống. Trong khi đó, cựu Tổng thống Yun-sớc-yên bị truy tố thêm tội danh lạm dụng quyền lực.- Tổng thống Mỹ  Donald Trump hé lộ những quốc gia đầu tiên có khả năng đạt được thoả thuận thương mại với Mỹ.

Kencan Dengan Tuhan - Kamis, 1 Mei 2025Bacaan: "Berdoalah Yunus kepada TUHAN, Allahnya, dari dalam perut ikan itu." (Yunus 2:1)Renungan: Di Alkitab tidak diceritakan bagaimana posisi Yunus di dalam perut ikan besar.Apakah ia duduk, berdiri, terlentang, kita tidak tahu. Ketika berada di dalam perut ikan, Yunus bisa saja marah kepada Tuhan atau Yunus juga bisa berdiam diri menunggu kematiannya. Tetapi ia tidak melakukan semua itu. Jadi apa yang dilakukannya? Yun 2:1 berkata, "Berdoalah Yunus kepada Tuhan Allahnya, dari dalam perut ikan itu." Di sini Yunus mengambil langkah iman yang benar dengan berdoa dan menaikkan ucapan syukur kepada Tuhan. Ia juga merendahkan diri di hadapan Tuhan dan mohon ampun atas ketidaktaatannya itu. Yunus melakukan tindakan yang tepat agar hati Tuhan yang lembut itu mengampuninya. Mungkin kita pernah tidak taat kepada firman Tuhan, lari dari panggilan Tuhan, seperti meninggalkan pelayanan atau karena pasangan hidup, kita melupakan Tuhan. Memang kita tidak mengalami seperti yang dialami Yunus, tetapi kita pasti pernah mengalami masa sulit yang harus kita lalui akibat ketidaktaatan kita. Sering kali kita marah kepada Tuhan ketika mengalami masa sulit, tetapi sebenarnya itu adalah kesalahan kita karena mungkin kita tidak taat kepada firman-Nya. Setiap tindakan yang kita lakukan semuanya ada konsekuensinya yang harus kita tanggung. Lalu tindakan apa yang kita lakukan ketika mengalami masa sulit? Marah kepada Tuhan, meninggalkan Tuhan atau sebaliknya. Baiklah kita berdoa dengan mengucap syukur kepada Tuhan dan mengakui semua kesalahan yang pernah kita lakukan karena kita sudah berdosa kepada Tuhan. Tuhan pasti mengampuni segala dosa setiap manusia yang datang kepada-Nya. Hasil dari doa Yunus di ayat 10 dikatakan, "Lalu berfirmanlah Tuhan kepada ikan itu, dan ikan itu pun memuntahkan Yunus ke darat. "Akhirnya Yunus diselamatkan Tuhan dari masa sulit yang ia alami. Begitu juga dengan kita, pasti Tuhan selamatkan dari masa sulit yang kita alami. Tetaplah andalkan Tuhan dan setialah kepada-Nya. Tuhan Yesus memberkati. Doa:Tuhan Yesus, ajarilah aku untuk tetap setia dan berdoa kepada-Mu ketika aku mengalami masa-masa sulit. Jangan biarkan masa-masa sulit itu membuat aku menjadi tawar hati pada-Mu. Amin. (Dod).

Waylon discusses the idea of "stuff" as he goes through the process of moving out of the home he's lived in for 18+ years. A close friend shared that it wasn't Waylon's "life in that box" when Waylon shared a video of his Pod being taken away. Rather, his friend replied that it was "just stuff." "I replied that I half agree. Things are things, and yeah, if a fire consumes my house, I'm gonna run out with my wife and my dog and myself, and count myself lucky—right? Ultimately, our health and our corporeal bodies and minds and hearts are far more important than some cool lamp. At the same time, I disagree..." ~ Waylon Lewis Cheap goods devalue "things."  “Stuff” and "crap" is demeaning, cheap, it's what you buy on Amazon. We're not defending crap, but things that we genuinely appreciate. We give things meaning through use and care and love, and we select things through training or searching for yun.   “When we own craft items, these objects in the Buddhist term give Yun—inherent richness—which contributes to a meaningful home and a meaningful life.” ~ Waylon H. Lewis 

In this episode, we sit down with Yun Xie, writer and director of the gripping dystopian drama Under the Burning Sun, fresh off its screening at the 2025 Florida Film Festival. Set in a sun-scorched future where abortion is outlawed, the film follows Mowanza, a survivor of sexual violence, as she embarks on a desperate road journey in search of bodily autonomy. With echoes of Mad Max and rooted in Xie's own reflections on her upbringing in China, Under the Burning Sun explores the cost of choice, survival, and freedom. We talk to Yun about the personal inspirations behind the film, the urgency of telling stories about reproductive rights in today's world, and more.Under the Burning Sun won the Audience Award for Best Narrative Feature at Slamdance 2025, and is screening April 18 at 4:45 PM @ Regal Winter Park Village (Theater B).Learn more at https://floridafilmfestival.com/films/

On this episode of Metal on Metal, we sat down with Andrew Wilson. Andrew is the vocalist and guitar player for the Toronto based sludge metal band Pyres. In this interview, we discuss their latest record YUN. We also discuss High on Fire, expanding the box of creativity, making music with your best friends, and new beginnings. The new music spotlight features "Cold" by VVOMB. This episode is brought to you by Pull the Plug Patches and Third Moon Brewery. Use code "metalonmetal" to get free beer shipping to most places in Ontario from Third Moon Brewery at thirdmoonbrewing.com. Links mentioned in this episode: *https://hypaethralrecords.bandcamp.com/album/yun https://www.youtube.com/watch?v=xwxFkhY9qf0 https://vvombmtl.bandcamp.com/album/hiss

The real estate industry is entering a new phase—one where rising interest rates, evolving buyer behavior, and industry-wide legal settlements are shaping the future. If you're in the title or real estate business, you need to know what's coming. Dr. Lawrence Yun, NAR's Chief Economist, joins the show to break down the biggest economic trends affecting home sales, mortgage rates, and industry structure. Don't miss this deep dive into what 2025 has in store.     What you'll learn from this episode How inflation and interest rates are impacting mortgage rates and buyer affordability Why home listings are increasing and what that means for buyers and sellers NAR Settlement: How new rules impact agents, commissions, and industry structure The impact of institutional investors on the housing supply How the national debt and government cuts could affect mortgage rates and real estate Resources mentioned in this episode National Association of REALTORS® PEW CONSULTANCY LTD Federal Reserve Board Federal Housing Administration - HUD Hillbilly Elegy by J. D. Vance | Paperback, Hardcover, and Kindle On Freedom by Timothy Snyder | Paperback, Hardcover, and Kindle About Dr. Lawrence YunLawrence Yun is Chief Economist and oversees the Research group at the NATIONAL ASSOCIATION OF REALTORS®. He supervises and is responsible for a wide range of research activity for the association including NAR's Existing Home Sales statistics, Affordability Index, and Home Buyers and Sellers Profile Report. He regularly provides commentary on real estate market trends. Dr. Yun creates NAR's forecasts and participates in many economic forecasting panels, among them the Blue Chip Council and the Wall Street Journal Forecasting Survey. He also participates in the Industrial Economists Discussion Group at the Joint Center for Housing Studies of Harvard University. He appears regularly on financial news outlets, is a frequent speaker at real estate conferences throughout the United States, and has testified before Congress. Dr. Yun has also appeared as a guest on CSPAN's Washington Journal. Dr. Yun received his undergraduate degree from Purdue University and earned his Ph.D. from the University of Maryland at College Park.   Connect with Dr. Lawrence Website: Lawrence Yun LinkedIn: Lawrence Yun     Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected. Explore more on our website: www.alltechnational.com/podcast Stay updated with our newsletter: www.mochoumil.com Follow Mo on LinkedIn: Mo Choumil

Yun's Mandarin - Taiwanese Online Course: https://mailchi.mp/31034d6eda68/2025-vip-1-1-mandarin-taiwanese-courses Thanks to Thomas, 赫克托, and Joe for your support this month. You help keep this Taiwan content running and benefit more learners who seek cultural insights about Taiwan. Transcript for this episode for everyone: https://yunchih.art/54-why-are-there-so-many-temples-in-taiwan-台灣為什麼有那麼多廟？/

“Nu'ng una, hindi ko naman alam. Parang natutuwa lang ako sa'yo. Parang gusto lang kita kasama kasi nagiging masaya ako kaso lately, ewan, ang hirap i-explain. Gusto na kita. 'Yun lang ang alam ko.” #DearMORHabulan -The Antonette StoryFollow us:Youtube: https://www.youtube.com/c/MOREntertainmentTwitter: https://www.twitter.com/MORentPHInstagram: https://www.instagram.com/morentertainmentph

SummaryIn this episode of Chatting with Channing, the Duke of Edinburgh Award is explored through the insights of Ms. Yun, the program manager, and four Year 12 students. They discuss the importance of the award in building leadership, resilience, and essential life skills. The conversation covers the different levels of the award, the skills developed through participation, memorable experiences, and advice for future participants, highlighting the program's value in personal growth and teamwork.TakeawaysThe Duke of Edinburgh Award fosters teamwork and resilience.Students often find themselves in unfamiliar groups, enhancing social skills.The program includes various sections like expeditions and volunteering.Resilience is a key quality developed through the challenges faced.Gold award participants have a unique opportunity to visit Buckingham Palace.Experiences during the award often lead to lasting memories and friendships.Positive attitudes significantly enhance the experience of the program.Learning practical skills like map reading is a valuable takeaway.The program is recognised by organisations, enhancing students' applications.Humour and camaraderie are essential in overcoming challenges during expeditions.Channing School Online: Facebook: www.facebook.com/channingschool LinkedIn: www.linkedin.com/company/channing-school Twitter: twitter.com/ChanningSchool

- Tổng Bí thư Tô Lâm trao quyết định của Bộ Chính trị về chức năng, nhiệm vụ, quyền hạn, tổ chức bộ máy của 13 cơ quan Đảng, Mặt trận Tổ quốc, đoàn thể chính trị xã hội.- Bộ Nội vụ dự kiến cần 130 nghìn tỷ đồng giải quyết chế độ khi tinh gọn bộ máy.- Bộ Y tế đề xuất Chính phủ lấy ngày 20/5 hằng năm là Ngày Hiến tạng quốc gia nhằm tôn vinh nghĩa cử hiến tạng cứu người, đồng thời kêu gọi cộng đồng hiến tặng mô, tạng sau khi chết não.- Hàn Quốc yêu cầu kiểm tra toàn bộ dòng máy bay Boeing 737-800 sau tai nạn kinh hoàng khiến 179 người thiệt mạng. Trong diễn biến khác, cơ quan điều tra Hàn Quốc đề nghị bắt giữ Tổng thống bị đình chỉ chức vụ Yun-sơc-yên liên quan đến lệnh thiết quân luật hôm 3/12.- Trung Quốc hoàn thành xây dựng đường hầm cao tốc dài nhất thế giới ở Khu tự trị Duy Ngô Nhĩ Tân Cương Chủ đề : trí tuệ nhân tạo, đổi mới sáng tạo, Boeing 737-800 --- Support this podcast: https://podcasters.spotify.com/pod/show/vov1thoisu0/support

Random Cool People I Know with, Yun ChenJoin us as Yun patches in from her family home in China to share with us her journey to Singapore as a young teenager via a scholarship, and then chooses Singapore as her home. Hear about her fabulous ability to redefine herself, through mastering each role she has taken and attracting sponsorship from her employers. Yun shares with us the importance of determination and work ethic, yet in balance with rest and inner work. Learn about her coaching approach that combines ontology, positive psychology and systems thinking as a powerful offering for leaders and teams to find congruency within. We touch on the power of language and sensation to cultivate resilience and clarity, how the relationship that you cultivate with yourself is key to all relationships and the role of daily meditation and cleansing rituals in her success.Fanny (Chen Yun) is a seasoned Executive and Life Coach with over 17 years of corporate experience in Change Management across Data, Customer Analytics, Risk Analytics, Regulatory Reporting, and Climate Risk within the banking sector. Originally from China, Yun moved to Singapore as a teenager on a full scholarship and graduated with first-class honours in engineering in 2007. Her passion for continuous learning led her to further studies in Strategic Marketing and Positive Psychology, while leading cross-functional teams in delivering complex projects and driving organizational change in her corporate job.In 2020, Yun received a scholarship from her employer for coaching training and certification, which sparked her transition into an internal Executive Coach in an international bank, supporting leaders in achieving professional and personal growth. With an ICF-ACC Credential and on her journey toward the ICF-PCC Credential, her passion pushed her to expand her coaching practice in 2024 by launching The Coaching Wave (TCW). Through TCW, Yun helps clients embrace their authentic selves, cultivate resilience and achieve fulfilment, using a holistic coaching approach that integrates ontology, systems thinking, and positive psychology.Yun's unique journey from academia to the corporate world and now coaching equips her with a comprehensive understanding of leadership, transformation, and sustainable growth. She said, “I find purpose and joy in coaching.”You can contact Yun here:Website: https://www.thecoachingwave.com/LinkedIn:https://www.linkedin.com/in/yun-chen-12199b23/Facebook:https://www.facebook.com/fanny.c.yunAnd if your spirit is stirred by these amazing conversations, don't forget to like, subscribe and leave a review - so more people can find their way to The Modern Crone. Thank you for tuning in!  The Modern Crone team -Theme music and season intro tracks:Sam Joole: www.samjoole.comCover design and photographyLuana Suciuhttps://www.instagram.com/luanasuciu/Luanasuciu@gmail.com Voice editing:Christopher Hales - Mask Music Studiosmaskmusicstudios@outlook.com

[Year-End Appreciation Special] 00:00 打招呼 00:40 前言 01:12 為什麼台灣人瘋棒球 02:58 台灣五百元鈔票 04:08 台灣棒球黑歷史 06:38 台灣啦啦隊特色 07:44 結語 09:00 ? (Merry Christmas^^) ✩Thank you for the support 感謝本月支持：John (大 Taiwan VIP), Thomas (大 Taiwan VIP), Dave Koslow (小 Taiwan VIP), 赫克托 (

Fluent Fiction - Mandarin Chinese: Sweet Surprise: Mei's Dumpling Delight at Solstice Festival Find the full episode transcript, vocabulary words, and more:fluentfiction.com/zh/episode/2024-12-18-08-38-18-zh Story Transcript:Zh: 梅的厨房忙碌又热闹。En: Mei's kitchen was busy and lively.Zh: 屋子里飘着饺子的香气，红灯笼和节日横幅挂在墙上，为冬至节的到来增添了喜庆色彩。En: The aroma of dumplings filled the air, and red lanterns and festive banners hung on the walls, adding a cheerful touch for the winter solstice festival.Zh: 梅是一位充满热情的厨师，她正在为小镇的冬至节准备饺子。En: Mei was a passionate chef, preparing dumplings for the town's winter solstice celebration.Zh: 卷起袖子，她小心地将面粉倒入碗中，却不小心将盐和糖调换了。En: With her sleeves rolled up, she carefully poured flour into a bowl but accidentally switched the salt and sugar.Zh: 她心里想着：“今年一定要做出最好的饺子，赢得云的认可。En: In her mind, she thought, "This year I must make the best dumplings to earn Yun's approval."Zh: ”云是节日的组织者，他以挑剔著称。En: Yun was the festival organizer, known for being picky.Zh: 梅打算用绝佳的饺子令云刮目相看。En: Mei planned to impress him with exceptional dumplings.Zh: 这时，她的朋友健走了进来。En: At that moment, her friend Jian walked in.Zh: 他总是细心周到，负责监督梅的每一个步骤，以确保没有错误发生。En: He was always thoughtful and responsible for overseeing Mei's every step to ensure no mistakes occurred.Zh: 他看了看正在忙碌的梅，提醒道：“记得要加盐，别搞错哦。En: He glanced at the busy Mei and reminded her, "Remember to add salt, don't mix it up."Zh: ”但是梅已经心不在焉，糖已悄然溜进了饺子的馅料中。En: However, Mei was already distracted, and the sugar had quietly slipped into the dumpling filling.Zh: 制作完成后，梅加入各种香料，希望平衡掉甜味。En: After finishing the dumplings, Mei added various spices, hoping to balance out the sweetness.Zh: 她加入了一些辣椒、姜和葱，尝试着做出一种创新的馅料。En: She included some chili, ginger, and scallions, attempting to create an innovative filling.Zh: 不久，活动开始了。En: Soon, the event began.Zh: 摆满了各式各样的小吃摊。En: The area was lined with a variety of snack stalls.Zh: 梅带着她的“甜饺子”走上台，内心忐忑不安。En: Mei took her "sweet dumplings" to the stage, feeling anxious inside.Zh: 云亲自来品尝这份与众不同的饺子。En: Yun personally came to taste this unique dumpling.Zh: 他拿起饺子，咬了一口，微微停顿。En: He picked up a dumpling, took a bite, and paused slightly.Zh: 围观的人们屏息等待，空气中弥漫着期待和紧张。En: The onlookers held their breath, anticipation and nervousness in the air.Zh: 突然，云露出了微笑：“这饺子甜中带辣，有趣又美味。En: Suddenly, Yun smiled, "These dumplings are sweet with a hint of spice, interesting and delicious.Zh: 不如说，这是一种大胆的创意。En: It's a bold innovation."Zh: ”梅惊讶地抬起头，犹如冬日的阳光洒在她的脸上。En: Mei lifted her head in surprise, as if winter sunlight shone upon her face.Zh: 她从未想过一个错误会带来如此意外的成功。En: She had never thought a mistake could lead to such unexpected success.Zh: 当天的晚会结束时，梅与健分享了这份喜悦。En: By the end of the event, Mei shared this joy with Jian.Zh: 她说：“我明白了，有时候错误能带来新的机会。En: She said, "I've come to understand that sometimes mistakes can bring new opportunities."Zh: ”经过这段经历，梅变得更加自信，决心继续创新，勇敢尝试更多的美味组合。En: After this experience, Mei became more confident, determined to continue innovating and bravely try more delicious combinations. Vocabulary Words:aroma: 香气dumplings: 饺子festive: 喜庆solstice: 冬至chef: 厨师poured: 倒入approval: 认可picky: 挑剔thoughtful: 细心overseeing: 监督innovative: 创新filling: 馅料anxious: 忐忑不安anticipation: 期待nervousness: 紧张bold: 大胆innovation: 创意unexpected: 意外success: 成功confidence: 自信determined: 决心bravely: 勇敢combination: 组合lively: 热闹accidentally: 不小心responsible: 负责reminded: 提醒spices: 香料balance: 平衡opportunities: 机会

Brian Buffini has forecast real estate trends and developments with extraordinary accuracy for many years. In his 17th Bold Predictions broadcast, he shares the most up-to-date research on current market conditions, talks to NAR's Dr. Lawrence Yun to get insight on what lies ahead for the industry and outlines how a new training program will separate the professionals from the amateurs. YOU WILL LEARN:The real state of real estate.Dr. Yun's detailed analysis of what the market holds for 2025.Why it's time to be a pro.MENTIONED IN THIS EPISODE: CFSPKickstart 2025 Leadership Coaching NAR NOTEWORTHY QUOTES FROM THIS EPISODE: “The only way to move forward in the year to come is to really be at the height of your profession.” – Brian Buffini “The worst tightness in inventory is coming to an end.” – Dr. Lawrence Yun “Realtors should anticipate more listings, which automatically means more business opportunity.” – Dr. Lawrence Yun “Teams are going to continue to be a more a significant part of the industry.” – Brian Buffini “You cannot be a C player in the real estate space.” – Brian Buffini “If you will make the commitment to work on yourself harder than you work on your real estate business, you can go from making a living to making a fortune.” – Brian Buffiniitsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.

Aadaab Aaj subah phone scroll karte waqt Ehsaan Danish ki ye ek ghazal mili . Dafatan usko record bhi kar liya .. Yun hi ek random se recitation ki tarah Phir khayaal aaya ki bohot waqt hua Spotify par kuchh upload kiye Aur mujh ko hamesha yahi mehsoos hota raha hai Ki recitations jo yun hi kiye jaate hain Woh dar asal sabse behtar hote hain Khair Meri balcony mein Lily ka ek paudha hai Jis par ek naya phool aaya hai Ilias Babar Aawan ka ek sher yaad aa gaya : Phool kitaabein le jaa tanha rehne de Mera kamra , mera kamra rehne de Bohot ishq Soz

"Ikaw talaga. ‘Wag mo na muna isipin ‘yang trabaho mo, pati ‘yung mga nakaka-stress na bagay, okay? Ang isipin mo, ako, ikaw, tayo na masayang magkasama ngayon. ‘Yun lang ang mahalaga. Moment natin ‘to, wala munang kahit anong epal." #DearMORLipad - The Jemuel Story Follow us: Youtube: https://www.youtube.com/c/MOREntertainment Twitter: https://www.twitter.com/MORentPH Instagram: https://www.instagram.com/morentertainmentph

Fluent Fiction - Mandarin Chinese: Fog on the Great Wall: A Mid-Autumn Odyssey of Discovery Find the full episode transcript, vocabulary words, and more:fluentfiction.org/fog-on-the-great-wall-a-mid-autumn-odyssey-of-discovery Story Transcript:Zh: 中秋节到了，云、梁和美三个人出发去长城，En: The Zhongqiu Festival had arrived, and Yun, Liang, and Mei set off for the Great Wall.Zh: 他们都有一个共同的目的：祭拜祖先。En: They all shared a common purpose: to pay respects to their ancestors.Zh: 金秋时节，长城在秋天的灯笼下显得格外壮丽。En: In the golden autumn season, the Great Wall appeared especially magnificent under the autumn lanterns.Zh: 色彩斑斓的树叶随风轻舞，给人一种神秘而永恒的感觉。En: The vivid-colored leaves danced gently in the wind, creating a mysterious and eternal feeling.Zh: 云是一个思想深邃的艺术学生，他渴望与自己的根源和文化遗产联系起来。En: Yun is a deep-thinking art student who longs to connect with his roots and cultural heritage.Zh: 他的表哥梁充满冒险精神，热爱历史，总是渴望探索古老的遗址。En: His cousin, Liang, is full of adventurous spirit, loves history, and is always eager to explore ancient sites.Zh: 作为当地的导游，美拥有对长城深刻的了解。En: As a local tour guide, Mei possesses a profound understanding of the Great Wall.Zh: 他们背包里装满了祭品，期待着在长城上进行一场庄重而有意义的祭祀仪式。En: Their backpacks were filled with offerings, and they anticipated a solemn and meaningful ceremony on the Great Wall.Zh: 可是，天气并不如人意，一场浓雾突然升起，笼罩了整段长城。En: However, the weather was not favorable, as a thick fog suddenly rose, enveloping the entire section of the wall.Zh: 能见度变得极差，路途变得异常艰难。En: Visibility became extremely poor, making the journey unusually difficult.Zh: 云十分谨慎，他想停下来等待雾散。En: Yun was very cautious and wanted to stop and wait for the fog to clear.Zh: 可是他知道时间有限，中秋节期间，这个仪式最好在月圆时进行。En: However, he knew time was limited, and the ceremony during the Zhongqiu Festival is best performed during the full moon.Zh: 梁则很着急，他的性格冲动，总是想继续前进。En: Liang, on the other hand, was impatient, his impulsive nature always pushing to move forward.Zh: 终于，云决定相信美的直觉，继续前进。En: Finally, Yun decided to trust Mei's intuition and continue onward.Zh: 雾越来越浓，他们在长城上迷了路。En: The fog grew denser, and they lost their way on the Great Wall.Zh: 云心中充满了焦虑，但他知道，现在需要他来引导大家。En: Anxiety filled Yun's heart, but he knew it was up to him to guide everyone.Zh: 他想起祖先教会他的智慧，学会相信自己。En: He recalled the wisdom taught by his ancestors and learned to trust himself.Zh: 在美的帮助下，他们慢慢找到了方向。En: With Mei's help, they slowly found their direction.Zh: 就在他们到达祭祀地点时，雾终于散去，月光洒在长城上。En: As they reached the location for the ceremony, the fog finally dispersed, and moonlight bathed the Great Wall.Zh: 云在这片神圣之地进行了祭拜。En: Yun conducted the ceremony in this sacred space.Zh: 他心中充满了对祖先的敬意，感受到一种与生俱来的联系。En: His heart was filled with respect for his ancestors, and he sensed an innate connection.Zh: 他深深地吸了一口气，心中的迷茫消散了。En: He took a deep breath, and the confusion in his heart dissipated.Zh: 这次旅程让云学会了在谨慎和果敢之间找到平衡。En: This journey taught Yun how to find a balance between caution and decisiveness.Zh: 他的领导能力也得到了提升，他明白需要把握好过往与现在的联系。En: His leadership skills were enhanced, and he understood the importance of linking the past and the present.Zh: 巍峨的长城在月光下依旧静静伫立，见证了又一个中秋的团圆。En: The towering Great Wall stood quietly in the moonlight, witnessing yet another Mid-Autumn reunion.Zh: 一个新的开始在眼前，云心中升起了温暖和勇气。En: A new beginning lay ahead, and warmth and courage rose in Yun's heart. Vocabulary Words:respects: 敬意magnificent: 壮丽mysterious: 神秘eternal: 永恒adventurous: 冒险精神profound: 深刻offerings: 祭品solemn: 庄重ceremony: 仪式favorable: 如人意enveloping: 笼罩visibility: 能见度cautious: 谨慎impatient: 着急impulsive: 冲动intuition: 直觉dense: 浓anxiety: 焦虑wisdom: 智慧sacred: 神圣dispersed: 散去innate: 与生俱来confusion: 迷茫balance: 平衡decisiveness: 果敢leadership: 领导能力towering: 巍峨reunion: 团圆warmth: 温暖courage: 勇气

durée : 00:29:52 - Les Nuits de France Culture - par : Philippe Garbit - Les chemins de la musique - Musiques de Corée, 4 : Entre ciel et terre : Frémissements et fracas, Ysang Yun, figure tutélaire des compositeurs coréens (1ère diffusion : 03/10/2002) - réalisation : Virginie Mourthé

Putusan MK soal pilkada yang hampir dibatalkan DPR menimbulkan gejolak di masyarakat berupa unjuk rasa Peringatan Darurat. Semakin kesini, cita-cita reformasi seperti desentralisasi dan pilkada yang tak terikat dengan pusat semakin tergerus. Podcast Bebas Aktif bersama Yunáni Abiyoso, dosen Hukum Tata Negara FH UI. Support channel kami melalui: ⁠⁠⁠⁠⁠⁠Trakteer⁠⁠⁠⁠⁠⁠ Ikuti dan nikmati konten-konten Kontekstual lainnya di: ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠TikTok⁠

00:00 前言 Preview 00:30 可以讓我們找到自己、認識自己特色的方式 Ways to Discover and Understand Our Unique Characteristics 05:40 美食外交-台灣 Food Diplomacy - Taiwan 06:50 結語 Conclusion Hours of Production: 8 hours for ep.51&52. / References: 2024 Taiwanese Cultural Program at the Paris Olympics：https://cotpe.tw/tw/about.html 2024 State Banquet Menu for the Inauguration：https://english.president.gov.tw/Page/655 Recipe from 1932: https://journal.ndhu.edu.tw/日治時代的台灣料理──曾品滄/ Numnonda, T. (1978). Pibulsongkram's Thai Nation-Building Programme during the Japanese Military Presence, 1941-1945. Journal of Southeast Asian Studies, 9(2), 234–247. http://www.jstor.org/stable/20062726 Safronova, V. (2024, January 24). Kitchen Diplomacy: How governments use food as a soft power. The Parliament Magazine. https://www.theparliamentmagazine.eu/news/article/food-diplomacy-gastrodiplomacy-europe Lipscomb, A. (2019, March 27). Culinary relations: Gastrodiplomacy in Thailand, South Korea, and Taiwan - The Yale review of international studies. The Yale Review of International Studies. https://yris.yira.org/essays/taste-of-asia-gastrodiplomacy-in-thailand-south-korea-and-taiwan%EF%BB%BF/#_ftn85 Maayasi, A. (2019, November 7). The Oddly Autocratic Roots of Pad Thai. Atlas Obscura. https://www.atlasobscura.com/articles/who-invented-pad-thai Mayyasi, A. (2022, March 20). The invention of pad Thai. Priceonomics. https://priceonomics.com/the-invention-of-pad-thai/ Parasecoli, F. (2022, August 20). How Countries Use Food to Win Friends and Influence People. Foreign Policy. https://foreignpolicy.com/2022/08/20/food-diplomacy-countries-identity-culture-marketing-gastrodiplomacy-gastronativism/ Video mentioned : Food History: Enjoy Pad Thai! (Or you're a traitor) by OTR Food & History https://youtu.be/NpIX5LsbPNM?si=ObjT9SLjt4A8Jztj Thailand Michelin Restaurant mentioned: https://guide.michelin.com/en/bangkok-region/bangkok/restaurant/gaggan-anand / ✩Thank you for the support 感謝本月支持：John (大 Taiwan VIP), Thomas (大 Taiwan VIP) Dave Koslow (Student VIP)✩//

Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureThe [DS] is trying to get control of prices and to prove the oil companies and stores are price gouging. Newsom wants price controls on oil, this will backfire. The farmers are struggling. Trump is going to make the US the capital of Crypto. The [DS] is panicking, they know [KH] cannot drive this home, they need Trump to quit the debate, this is why they are changing the rules. Once [KH] debates its game over. Trump confirms that the fake news is pushing fake poll numbers. Trump has warned the [DS] not to cheat in the election. Trump always gives the [DS] to do the right thing. The [DS] will cheat and we can see how they are trying to do it. Countermeasures are in place, they are trapped.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy Newsom Tells CA Lawmakers He'll Force Special Session If They Don't Pass His Bill to Increase Gas Prices Grasping for relevance, California Gov. Gavin Newsom is in the midst of a bit of a temper tantrum this week with the legislature - threatening to convene a special session if they don't pass his proposal to further regulate California's oil and gas industry. Industry analysts say that the proposal, which would force refineries to "maintain a minimum fuel reserve to avoid supply shortages," would lead to increased prices for drivers in California, Arizona, and Nevada.  .     Source: redstate.com Kamala's Top Campaign Spokesman Confirms Kamala Still Supports Fracking Ban Despite Her Fracking Flip-Flop Yes, comrade Kamala Harris still supports a ban on fracking—her top campaign spokesman just confirmed this during an interview with CNN. In the first part of the interview, Tyler sidestepped questions from CNN's John Berman regarding Harris's shift in position on fracking. As Berman pressed the issue, Tyler confirmed that Harris has not “changed her mind” on a fracking ban, despite recent attempts by her campaign to suggest otherwise.   Source: thegatewaypundit.com A Sales Recovery Did Not Occur": Pending Home Sales Crash To Record Low  After tumbling in April, and rebounding modestly in June, analysts expected a continued gain in pending home sales in July, but it wasn't meant to be: moments ago the NAR reported that in July, Pending Home Sales tumbled 5.5% MoM, a huge miss to the 0.2% expected gain (and down from a 4.8% increase in June), and also slumped 4.6% YoY, a modest improvement from the 7.8% plunged in June but also missing expectations of a -2.0% drop. That dragged the Pending home sales index to 70.2%, a fresh record low. The Pending Home Sales Index is a leading indicator for the housing sector, based on pending sales of existing homes. A sale is listed as pending when the contract has been signed but the transaction has not closed, though the sale usually is finalized within one or two months of signing. "A sales recovery did not occur in midsummer. The positive impact of job growth and higher inventory could not overcome affordability challenges and some degree of wait-and-see related to the upcoming U.S. presidential election," NAR Chief Economist Lawrence Yun said in a statement. Sales decreased in all four US regions, especially in the Midwest and South. The Northeast registered the smallest decline last month, and Yun noted the New England region has performed better than others recently. The Northeast PHSI waned 1.4% from last month to 64.6, an increase of 2.4% from July 2023. The Midwest index reduced 7.8% to 67.8 in July, down 11.4% from one year ago. The South PHSI sank 6.

00:00 前言 Preview 00:55 外國人的角度 Foreigners' Perspective 02:30 美食外交-泰國 Food Diplomacy - Thailand 04:15 無需再糾結我們的食物獨不獨特 No Need to Worry About Whether Our Food is Unique 05:40 台灣的古早味 Taiwan's Retro Flavors 07:15 感謝 Thank You 07:23 下集預告 Next Episode Preview Hours of Production: 8 hours for ep.51&52. / References: 2024 Taiwanese Cultural Program at the Paris Olympics：https://cotpe.tw/tw/about.html 2024 State Banquet Menu for the Inauguration：https://english.president.gov.tw/Page/655 https://journal.ndhu.edu.tw/日治時代的台灣料理──曾品滄/ Numnonda, T. (1978). Pibulsongkram's Thai Nation-Building Programme during the Japanese Military Presence, 1941-1945. Journal of Southeast Asian Studies, 9(2), 234–247. http://www.jstor.org/stable/20062726 Safronova, V. (2024, January 24). Kitchen Diplomacy: How governments use food as a soft power. The Parliament Magazine. https://www.theparliamentmagazine.eu/news/article/food-diplomacy-gastrodiplomacy-europe Lipscomb, A. (2019, March 27). Culinary relations: Gastrodiplomacy in Thailand, South Korea, and Taiwan - The Yale review of international studies. The Yale Review of International Studies. https://yris.yira.org/essays/taste-of-asia-gastrodiplomacy-in-thailand-south-korea-and-taiwan%EF%BB%BF/#_ftn85 Maayasi, A. (2019, November 7). The Oddly Autocratic Roots of Pad Thai. Atlas Obscura. https://www.atlasobscura.com/articles/who-invented-pad-thai Mayyasi, A. (2022, March 20). The invention of pad Thai. Priceonomics. https://priceonomics.com/the-invention-of-pad-thai/ Parasecoli, F. (2022, August 20). How Countries Use Food to Win Friends and Influence People. Foreign Policy. https://foreignpolicy.com/2022/08/20/food-diplomacy-countries-identity-culture-marketing-gastrodiplomacy-gastronativism/ Video: Food History: Enjoy Pad Thai! (Or you're a traitor) by OTR Food & History https://youtu.be/NpIX5LsbPNM?si=ObjT9SLjt4A8Jztj / ✩Thank you for the support 感謝本月支持：John (大 Taiwan VIP), Thomas (大 Taiwan VIP), Dave Koslow (Student VIP)✩//

In this episode, Kylee and Zoë explore the complicated history that humans have with alcohol and athletics. We dive into the deep past (shoutout to our simian ancestors!) and see why scientists think humans developed a taste for something that seems counterproductive to passing on our genes (looking at you, Smirnoff blue raspberry). We try to parse out why alcohol is so closely tied to endurance sports and take a deep dive into what the research says about this substance (spoiler alert: three shots of whiskey do NOT make you better at running on a treadmill.) References: Slingerland, E. (2022). Drunk: How we sipped, danced, and stumbled our way to civilization. Little, Brown Spark. Popovic, Dejana; Damjanovic, Svetozar S.; Plecas-Solarovic, Bosiljka; Pešić, Vesna; Stojiljkovic, Stanimir; Banovic, Marko; Ristic, Arsen; Mantegazza, Valentina; Agostoni, Piergiuseppe. Exercise capacity is not impaired after acute alcohol ingestion: a pilot study. Journal of Cardiovascular Medicine 17(12):p 896-901, December 2016. | DOI: 10.2459/JCM.0000000000000151  The prohibited list. World Anti Doping Agency. (2024, January 1). https://www.wada-ama.org/en/prohibited-list  The scientific history of why Humans love drinking booze. (n.d.-a). https://www.esquire.com/entertainment/books/a47449/alcohol-science-history-vice-evans/  U.S. Department of Health and Human Services. (n.d.). Major depression. National Institute of Mental Health. https://www.nimh.nih.gov/health/statistics/major-depression   Prentice, C., Stannard, S. R., & Barnes, M. J. (2015). Effects of heavy episodic drinking on physical performance in club level rugby union players. Journal of science and medicine in sport, 18(3), 268–271. https://doi.org/10.1016/j.jsams.2014.04.009  Castaldo L, Narváez A, Izzo L, Graziani G, Gaspari A, Minno GD, Ritieni A. Red Wine Consumption and Cardiovascular Health. Molecules. 2019 Oct 8;24(19):3626. doi: 10.3390/molecules24193626. PMID: 31597344; PMCID: PMC6804046. Ragland G. (1990). Electrolyte abnormalities in the alcoholic patient. Emergency medicine clinics of North America, 8(4), 761–773.  https://pubs.niaaa.nih.gov/publications/arh25-2/101-109.htm  Nam, Y. S., Lee, G., Yun, J. M., & Cho, B. (2018). Testosterone Replacement, Muscle Strength, and Physical Function. The world journal of men's health, 36(2), 110–122. https://doi.org/10.5534/wjmh.182001 Judelson, D. A., Maresh, C. M., Anderson, J. M., Armstrong, L. E., Casa, D. J., Kraemer, W. J., & Volek, J. S. (2007). Hydration and muscular performance: does fluid balance affect strength, power and high-intensity endurance?. Sports medicine (Auckland, N.Z.), 37(10), 907–921. https://doi.org/10.2165/00007256-200737100-00006  Sullivan, E. V., Harris, R. A., & Pfefferbaum, A. (2010). Alcohol's effects on brain and behavior. Alcohol research & health : the journal of the National Institute on Alcohol Abuse and Alcoholism, 33(1-2), 127–143.  National Institute on Alcohol Abuse and Alcoholism. (2022). Alcohol and the Brain: an Overview | National Institute on Alcohol Abuse and Alcoholism (NIAAA). Www.niaaa.nih.gov. https://www.niaaa.nih.gov/publications/alcohol-and-brain-overview  Stein, M. D., & Friedmann, P. D. (2005). Disturbed sleep and its relationship to alcohol use. Substance abuse, 26(1), 1–13. https://doi.org/10.1300/j465v26n01_01 Shirreffs, S. M., & Maughan, R. J. (2006). The effect of alcohol on athletic performance. Current sports medicine reports, 5(4), 192–196. https://doi.org/10.1097/01.csmr.0000306506.55858.e5 Onate J. (2019). Depression in Ultra-endurance Athletes, A Review and Recommendations. Sports medicine and arthroscopy review, 27(1), 31–34. https://doi.org/10.1097/JSA.0000000000000233

✩Thank you for the support 感謝本月支持：John (大 Taiwan VIP), Thomas (小 Taiwan VIP)✩// 00:00 預告 Preview 00:13 Q1台灣人是否會因為我的中國用語而不喜歡我? Will Using Chinese Terms Upset Taiwanese 01:33 你想不到的是… Something You Wouldn't Expect 02:37 最近發生的例子（歌手） Recent Example (a singer) 03:40 Q2我在網路上找到台灣用語的表格，我需要把那麼多的用語都背起來嗎? I Found a Chart of Taiwanese Terms Online. Do I Need to Memorize All These Terms? 04:36 總結和一些語言例子 Summary and Some Language Examples 06:03 感謝會員 Thank you for your support ✩

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. IMPORTANT: Join #1 Real Estate Coaches Tim and Julie Harris's Premier Coaching now for FREE. Included is a DAILY Coaching Session with a HARRIS Certified Coach. Proven and tested lead generation, systems, and scripts designed for this market. Instant FREE Access Now: YES, Enroll Me NOW In Premier Coaching https://premiercoaching.com On today's show Tim and Julie Harris give you the bottom line, hard cold facts about this real estate market. Know these facts when speaking with the public about what is truly going on in the housing market. This is an election year and that means the fear and loathing over the economy, housing market, interest rates and inflation, social issues will only intensify. You know that the headlines can't be trusted, but the facts can.  HUGE Announcement: You will love this! Looking for the full outline from today's presentation? Our DAILY Newsletter featured lead generation systems, real estate scripts, daily success plans and (YES) the notes or today's show. Best part? The newsletter is free! https://harrisrealestatedaily.com/ Here are the facts.  *Inventory rose again, albeit modestly, from 556,000 listings to 560,000 actives. *The same week last year, inventory actually fell from 421,000 to 420,000. REAL ESTATE LEADS, LEADS and more LEADS: Question: What is Tim and Julie Harris's favorite PROBATE LEAD PROVIDER? Simple, alltheleads.com/harris *For context, the all-time low (ever!) was only 240,000 active listings in 2022. And for more context, pre-COVID, pre-COVID Boom, in 2015, listings were at 1,081,000. *Where are you finding inventory for your buyers?   *33% of listings have at least one price reduction before selling. *All in all, the total number of homes active for sale is up 30%.  That's 6 straight months of inventory growth. *The median home price is slightly up from last year, at $430,000. Ready to become an EXPIRED Listing Agent? As promised, here is the discount link for the EXPIRED LISTING LEADS: https://www.redx.com/affiliate/tim-and-julie-harris/ *Nationwide, the average days on the market are 47.   From NAR this week: National Association of Realtors® Chief Economist Lawrence Yun forecasts that interest rates will fall in the long term, 2024 existing-home sales will rise to 4.46 million (up 9% from 4.09 million in 2023), and 2025 existing-home sales will increase to 5.05 million (up 13.2% from 2024). Yun also explained that rents will calm down further, which will hold down the consumer price index (CPI) and make the Federal Reserve cut interest rates. Yun said that based on April's employment data, there are six million more jobs compared to the pre-Covid highs, and jobs are boosting home prices. Bonus: BUYERS don't know the difference between an Exclusive Agency and a non-Exclusive. Know the difference. 

Welcome to the latest edition of Title Talks: Hot Takes! This week Becky shares the latest after joining ALTA on Capitol Hill to talk to lawmakers about the Protecting America's Property Right Act and the issues with the misguided title waiver program. Additionally, we share more on the rate cuts that weren't and what NAR's Chief Economist Lawrence Yun has to say about when we can expect them. Don't miss a Hot Take - Follow or Subscribe to Title Talks! Highlights and headlines from this episode: - Info from ALTA on Title Waiver Pilot: https://bit.ly/3JU7MI7 - ALTA Title Action Network: https://bit.ly/3JS0ULx - Protecting Americans Property Right Act: https://bit.ly/3UAKBaJ - NAR's Yun on Rates: https://bit.ly/4adaX8r

Most of us understand the concept of speaking what we want into reality. But if we don't take the next steps of believing that it's possible for us, knowing we deserve it, and embodying our power as conscious creators, the law of attraction simply won't work. So, how do we embrace the idea that our dreams are within reach and take action to make them a reality? Yun Rhee is the creator of Elevated Human Experience, a coaching practice dedicated to unlocking the potential in others and helping people attain unparalleled levels of success, wealth and personal fulfillment. With a rich background in real estate investment and business management, Yun leverages her deep insights to help people tap into their inherent gifts and carve out dream lives. On this episode of Wickedly Smart Women, Yun joins Anjel to share the childhood experience that taught her she could create through vocalization. Yun describes the moment she realized that her loved ones were not getting the best version of her, explaining how she let go of limiting beliefs and cultural conditioning to follow her calling. Listen in for Yun's insight on creating new programming that serves you and learn how the Elevated Human Experience can help you live with passion, purpose and prosperity! What You Will Learn How we discover our gifts through struggles and failure The childhood experience that taught Yun she could create through vocalization How Yun realized that her loved ones were not getting the best version of her What inspired Yun to build Elevated Human Experience How Yun let go of limiting beliefs and cultural conditioning to follow her calling Yun's insight on creating new programming that serves us Why there's so much power in investing in yourself Yun's 5 core values of integrity, honesty, spirituality, positive mental attitude and infinite expansion Yun's approach to living with passion, purpose and prosperity Why honesty and grace are key in achieving our goals Connect with Yun Rhee Elevated Human Experience Resources Thinking Into Results Wickedly Smart Women: Trusting Intuition, Taking Action, Transforming Worlds by Anjel B. Hartwell Connect with Anjel B. Hartwell  Wickedly Smart Women Wickedly Smart Women on X Wickedly Smart Women on Instagram Wickedly Smart Women Facebook Community Wickedly Smart Women Store on TeePublic The Wealthy Life Mentor The Wealthy Life Mentor on Facebook Listener Line (540) 402-0043 Ext. 4343  Email listeners@wickedlysmartwomen.com 

Putanginang init to! Yun lang pakinggan niyo na lang.

¿Sabes cómo diferenciar un aroma natural de uno sintético? ¿Sabes la diferencia entre "aroma", "fragancia" y "esencia"? ¿Crees que los aceites esenciales están libres de alérgenos solo por ser naturales?

Today's poem is the work of an eighth-century poet whose reputation didn't peak until the twentieth century. Li Po's “The Solitude of Night” (translated here by Shigeyoshi Obata) resembles Japanese haiku in its atmospheric brevity and is heavy with the kind of common-to-man melancholy the modernists would feel so deeply more than a millennium later.A Chinese poet of the Tang Dynasty, Li Po (also known as Li Bai, Li Pai, Li T'ai-po, and Li T'ai-pai) was probably born in central Asia and grew up in Sichuan Province. He left home in 725 to wander through the Yangtze River Valley and write poetry. In 742 he was appointed to the Hanlin Academy by Emperor Xuanzong, though he was eventually expelled from court. He then served the Prince of Yun, who led a revolt after the An Lushan Rebellion of 755. Li Bai was arrested for treason; after he was pardoned, he again wandered the Yangtze Valley. He was married four times and was friends with the poet Du Fu.-bio via Poetry Foundation Get full access to The Daily Poem Podcast at dailypoempod.substack.com/subscribe

Sensei Kozan discusses Case 27 from the Blue Cliff Record, where a monk asks Yun Men about the state when a tree withers and the leaves fall, to which Yun […]

New year.... new workout routine?! Maybe you're coming off an injury or starting something new—either way, focusing on foot and ankle health is imperative! In this episode, we chat with Dr. Gordon Yun, a board-certified podiatric surgeon at OrthoCincy, about foot health, when to listen to your body, proper shoes and *gasp* warts! This episode is extremely informative and fascinating. Thank you to Dr. Yun for taking the time to come On The Sidelines with us!On the Sidelines is presented by OrthoCincy Orthopaedics & Sports Medicine. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

New year.... new workout routine?! Maybe you're coming off an injury or starting something new—either way, focusing on foot and ankle health is imperative! In this episode, we chat with Dr. Gordon Yun, a board-certified podiatric surgeon at OrthoCincy, about foot health, when to listen to your body, proper shoes and *gasp* warts! This episode is extremely informative and fascinating. Thank you to Dr. Yun for taking the time to come On The Sidelines with us! On the Sidelines is presented by OrthoCincy Orthopaedics & Sports Medicine. Learn more about your ad choices. Visit megaphone.fm/adchoices

Visit www.drstevenlin.com for this episode and moreParents are facing a growing epidemic of children who are not growing jaws that fit adult teeth.Modern Orthodontics is centred around waiting for crooked teeth, and correcting them through banded bracesDoes this approach miss the early warning signs?Can we spot the early signals of childhood dental growth to prevent these problems?Are they connected to mouth breathing and sleep disorders that many children experience today?This week my guest is Dr. Audrey Yun, specialist Orthodontist and adjunct Assistant Professor at Stanford Sleep Medicine Center. Through their world-leading approach at looking at dental growth as a marker for breathing issues.Dr. Yun has published a number ofpapers looking at early intervention orthodontics may play a role in helping children battle snoring and sleep apnea.

"Naku wag muna yun ang isipin mo. Ang pag-focus-an mo ngayon, eh makapagtapos on-time. Yun ang mas mahalaga. Sisiguraduhin ko na sa susunod na Pasko, mas marami na dito ang handa natin!" #DearMORHanda - The Elai Story Follow us: Youtube: https://www.youtube.com/c/MOREntertainment Twitter: https://www.twitter.com/MORentPH Instagram: https://www.instagram.com/morentertainmentph

Brian Buffini has forecast real estate trends and developments with incredible accuracy for many years. In his 16th annual Bold Predictions show, he interviews NAR Chief Economist Dr. Lawrence Yun for a market update. He also predicts what's next for the industry and sets out the action steps you must take to achieve phenomenal success in 2024. YOU WILL LEARN:The real scoop on the economy and how it affects real estate. Dr. Yun's detailed analysis of the industry. How the Do It N.O.W. campaign will help you win. MENTIONED IN THIS EPISODE: The National Association of REALTORS® Do It N.O.W. NOTEWORTHY QUOTES FROM THIS EPISODE: “Sales are definitely down, but home prices are still holding on at near record-high levels.” – Dr. Yun “The Federal Reserve is probably going to cut interest rates three or four times. The bond market is anticipating that move and has pivoted already.” – Dr. Yun “There's a significant pent-up desire for sellers to move.” – Brian Buffini “90% of consumers want to work with a trusted agent.” – Dr. Yun “Reach out to your past clients. They're all in a happy mood. They have built sizeable wealth and they may be associating that happiness with you.” – Dr. Yun “It's not hard to predict the future when you study the past.” – Brian Buffini “Rates are going to drop, no question about it.” – Brian Buffini“The demand to buy has never been higher. And people want to get in the game.” – Brian Buffini “The time to prepare is now.” – Brian Buffini “It's a very fundamental market. It requires an elevation of skill set and it requires the determination of mindset.” – Brian BuffiniItsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.

durée : 00:56:04 - La librairie francophone - par : Emmanuel Kherad - Ce samedi, nous célébrons le retour de Gaston Lagaffe avec le bédéiste québécois Delaf et nous serons avec Eric-Emmanuel Schmitt, Fatou Diome et le chanteur Zed Yun Pavarotti

Last time we spoke about the Blagoveshchensk massacre and war over the Amur river. The Chinese began a bombardment of the city of Blagoveshchensk striking panic and fear into her Russian inhabitants. The panic and fear led the Russian commanders ordered the deportation of many Chinese over the Amur river and this soon became a large-scale massacre. Countless Chinese drowned or were killed under the orders of the local Russian commanders. After the horrors on the Amur river the russians gradually received reinforcements and began a large scale offensive over the river to stop the Chinese attacks. First to be hit was Sakhalian, sending its Chinese defenders fleeing towards Aigun and Tsitsihar. The Chinese tried to fortify mountain positions to stop the Russians, but each fell one by one until the Russians had taken the cities. More Russians were crossing the border into Manchuria, the minor conflict had become a full scale invasion.    #70 The Russo-Chinese War Part 3: The Conquest of Northern Manchuria   Welcome to the Fall and Rise of China Podcast, I am your dutiful host Craig Watson. But, before we start I want to also remind you this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Perhaps you want to learn more about the history of Asia? Kings and Generals have an assortment of episodes on history of asia and much more  so go give them a look over on Youtube. So please subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry for some more history related content, over on my channel, the Pacific War Channel where I cover the history of China and Japan from the 19th century until the end of the Pacific War. The conflict spread anywhere there was a Russian presence in Manchuria. The Manchu were gradually tossing their lot in with the Boxer cause and to be honest, the Manchu always hated the Russian encroachment in their homelands. Harbin held the headquarters for railroad construction in Manchuria. Its population swelled since the outbreak of the Boxer Rebellion, with refugees pouring in from the Liaodong peninsula, including other nationalities and Chinese christians. The month of june was rather peaceful for Harbin, the Chinese continued to work on the railway alongside their Russian colleagues. 60,000 Chinese laborers had recently come to Harbin to work and telegrams poured in from Manchu generals from Heilungchiang, Fengtian and Kirin guaranteeing the complete safety of the railway and Russians. But beginning in July, rumors spread of anti-foreign activity, telegrams from other Russian settlements being attacked flooded in. On July 5th, a report came in that the Roman catholic mission in Mukden had been destroyed and its Bishop was murdered. Civilians began to evacuate Harbin to Khabrovsk on steamers and barges. Harin braced itself for a Chinese attack, volunteer militias sprang up. Thousands of Chinese inhabitants of Harbin fled as Russian refugees flooded in from all over. Large numbers of Qing forces were reportedly converging on Harbin, so Captain Rzhevutskii came over from Tiehling with 6 officers, 250 Cossacks, militiamen and all of their families. His arrival bolstered the Harbin garrison who were only around 600 men, 300 of which had just come from Tsitsihar on July 14th. A force of 67 Cossack fought their way out of Kirin against a much larger force of Chinese. Their commander Savitskii was found at Laoshaokou on July 19th with only 38 Cossacks left, many wounded. Savitskii's left eye was riddled with bullet splinters and his arm was in a sling. His men had rode out under the assurances of safe passage from the Manchu General of Kirin only to be attacked by 500 Manchu with artillery support. The Manchu fired shrapnel not just over the Cossacks, but their own infantry when they engaged in hand to hand combat. Savitskii claimed their killed some 200 Chinese before breaking through their lines and were pursued for over 5 days. A eyewitness to their arrival in Harbin had this to say “tears welled up in our eyes and anger began to boil in our hearts, when we saw the valiant heroes who had arrived. The men walked barefoot, with feet that were skinned almost to the bones, many only in their underwear, exhausted and emaciated. Truly one could not believe somehow that the Chinese had not succeeded in wiping this handful of men from the face of the earth”. Luckily for Harbin, on July 21st a steamer arrived to her dock from Khabarovsk carrying 1000 rifles, ammunition and 4 companies of reservists. Now Harbin counted 2000 defenders. On July 22nd a telegram came to Harbin from the Manchu General of Heilungchiang. It stated that while there had been cooperation with the Russian railway builders until this point, he regarded the Russian drowning of Chinese to be tantamount to a declaration of war and now both sides were free to attack the other. The message confused the Russians at Harbin for some time, having not heard of the Blagoveshchensk massacre. The rest of the message was crystal clear. The same Manchu General proclaimed the assault against Harbin would come soon and that the Russians should fight bravely for they would be exterminated without mercy. He did however offer safe passage for women and children out of Manchuria. 3000 women, children and wounded men departed Harbin aboard steamers on July 23rd. Meanwhile the Russians prepared their defenses and on the 25th the Chinese arrived. At 4am on the 26th the Chinese began firing their artillery from across the river. Their forces approached Harbin from the south and east successfully seizing the railway depot of the First Sungari Station and that railroad between the New part of the city and old Harbin. A Cossack counter attack during the afternoon drove most of the Chinese back in the direction of Ashiho. The Russians attempted to encircle the Chinese and quickly capture their artillery, but the Chinese withdrew in haste before they could. Countless Chinese who failed to rejoin the main body of their force were cut down by Cossacks. A smaller group of Chinese tried to hunker down at the railway depot and offered a stubborn fight until they were killed.  The Chinese took up a new position at the Hanhsin plant which had some large walls with towers providing good defense. From their fortifications the Chinese fired back upon the Russians, but once they burst open the main gate the Chinese were again on the move. As Sergei Grudzinskii entered the plant he had this to say of the scene “The corpses of men and cadavers of horses lay strewn about everywhere. Sabers and bayonets sparkled. People jostled each other in disorder. All had agitated faces, as if drunk. The noise of voices and swear words filled the air, which was saturated with the heavy smell of blood, sweat and gunpowder. Frightened children, ducks, oxen and horses ran around. Now and then the short, whiplashed like shots of our 20 caliber rifles were heard. The men had gotten all excited. There was no mercy for anyone. Aroused, someone had set fire to a house, and thick, black smoke rose to the sky, as the bright sun beamed indifferently on the picture of death and destruction below”. The Russians captured many Krupp field guns, German rifles and other war materials.  On July the 27th and 28th the Chinese continued to bombard Harbins dock from across the river and fired upon any trains going by. The Chinese were using any local infrastructure around for protection so the Russains began burning everything. By July 28th the Chinese were abandoning their positions on the other side of the river. Some skirmishing was done with rearguards and some Chinese POW's revealed a second offensive, 25,000 men strong was scheduled to hit Harbin for August 3rd. But when the time came no Chinese army was to be found and steamers were coming to Harbin with relief forces, the siege of the city was over. With reinforcements on hand, the Russians sent word to nearby Ashih-ho where some 10,000 Chinese forces were gathering. The Russians notified them they wanted to re-establish friendly relations and called upon the Chinese to disband. They also wrote to the Manchu General of Heilungchiang who responded simply “I will be seeing you soon”. The commander of Ashihho responded by sending a small battery to fire upon Harbin. On August 17th the Russians advanced upon Ashiho, Major General Gerngros led a Cossack vanguard; Major General Alekseev commanded the main body around a mile behind; and overall command was under Major General Sakharov. They were 16 companies, 12.5 sotnias and 16 artillery pieces. By the 18th they reached Ashihho, they sent word to the Manchu commander asking his surrender and he replied he would disband his forces when General Sakharov compensated China for the destruction of Pa-yen-tung, Sanhsing and other places damaged while withdrawing from Manchuria. It seems his words were braver than his actions, for when the Russians stormed the gates they would find the city in a state of evacuation. Cossacks with artillery support stormed around the city from the west and east to cut off the fleeing Chinese. A large number were killed, many others taken prisoner. The commander of the 4th East Siberian Rifle regiment was appointed commandant of Ashihho. The major objections of the Russians in Manchuria by this point was to defeat the Qing forces allying themselves to the Boxers, to secure the railway construction and secure the Amur River navigation. For logistical purpose the job was divided in two; north manchurian campaigns were led by Lt General Grodekov and South Manchurian were under Vice Admiral Alekseev. Russia sought to recover the main railway line of the Chinese eastern railway that ran from the Transbaikal region, to Tsitsihar, Harbin, Pogranichnaia and Nikol'sk-Ussuriiskii. Alongside this the Russians also needed to seize Kirin and Mukden to consolidate control in the region. Now this was all a colossal task, the sheer distance from the Transbaikal region to Manchuria was incredible. There was a shortage of steamers, so barges and rafts had to be constructed, bad harvests resulted in less provisions and just getting men and supplies to the front was hellish. Nonetheless the job was to be done, and between June and July 16 battalions, 38 guns, 6 sotnias, 2 sapper companies and 2 railway companies were rushed from Priamur to Kwantung and Pechihli. To compensate for depleting the Priemur region, Siberia would need to send forces.   The mobilization was incredible. In the Transbaikal region in 1900 there was roughly 25,000 Russians of working age, from these 5000 men made up 5 cavalry regiments, 4 cavalry batteries and 4 infantry battalions were tossed together to form the “Hailar detachment” called so because they would advance against Hailar. They all had military training, but lacked a lot of discipline. The men were notorious for smoking in front of their superiors and during saluting times would often just nod their head. The Cossacks amongst them would not let superior officers strike them which was a custom in the army. But the men were pretty crack shots and could live off meager rations. Furthermore most of them had dealings and were on good terms with Mongols and Manchu. The leader of the Hailar detachment was Major General Orlov who mobilized them on July 25th and they proceeded from Abagaitui to cross the border. They followed the Hailar rivers until they reached the Dalai Nor railroad station on July 27th. They captured there 51 well armed Mongols without resistance and sent them back to Russia to help construct the Transbaikal railroad. From here they advanced to Ongun whereupon they saw at a distance some Manchu and Mongol cavalry spread out in orderly lines of single rank, behind them were infantry. According to some Chinese prisoners, the force was around 10,000 strong under the command of a General in Hailar. The Mongol cavalry advanced and fired upon them from a great distance, not hitting very much. The Russians held their fire, so the Mongols drew closer and pelted them with bullets. This time the Russian returned fire, but the Mongols persisted and dismounted from their horses, beginning to dig foxholes. The Russians resumed their defensive stance, watching the Chinese pull up artillery. At 11:45am the Russian's received some reinforcements, 2000 additional bayonets, 1000 savers and 6 cannons of the Verkhneudinsk Cossack regiment. The Chinese artillery was roughly 5000 feet away, their riflemen just 800 or so. The Verkneudinsk regiment rode out upon their right flank at 1:50pm signaling the Russian general attack. Orlov took the left flank performing a small envelopment maneuver. It was a bold and bloody advance. At 2:10pm the Russian artillery began to fire and it was deadly accurate, the Chinese artillery quickly evacuated, unable to properly return fire. At 2:25pm Orlov tossed some reserves into the advance and soon the Russians were charging across an open plain driving the Chinese from a hill position. The mounted Cossacks pursued any retreating Chinese forces who were seen tossing their weapons and equipment as they ran. Orlov got caught up in the chase and excitement and was almost shot while his staff officer screamed “Sir! You're being shot at!” Some Boxer forces stood their ground defiantly against Cossack sabers, butchered on the spot. The Russians had only 8 deaths and 17 wounded and claimed an incredible 900 casualties for the Chinese. Orlov sent his mounted forces to pursue the enemy and perform reconnaissance of Hailars defenses which his scouts reported was being abandoned. Orlov ordered a Cossack battery to rush to Hailar during the night of August 1st as he led more men against Urdingi. The roads were littered with abandoned equipment, but Orlov received a new report in the morning, Hailar was not abandoned after all. There was a call for help at the Hailar front, so Orlov sent two Sotnias of the 4th and 6th battalions and he personally came by August 3rd. Upon seeing the reinforcements, the Chinese began to abandon the city and Orlov would have his dinner inside Hailar on that day. Hailar was a small district city, but it was important strategically for the Chinese eastern railway's construction. Orlov formed a supply depot at Hailar not only for his detachment, but for other Russian forces going through the area. Upon seeing the taking of Ongun and Hailar, the Mongols realized the Russians were stronger than the Manchu. The Mongols began abandoning the Chinese and fled to their homelands to wait out the conflict.  Meanwhile General Bao, one of China's more able commander, realized the loss of Hailar was significant and began to approach the region from the Greater Hsing-an Mountains with a force 7000 strong. Cossack patrols reported Bao's advance to Orlov and Orlov decided to go out and meet him. On August 14th the Russian took up a position at Ya-koshih some 23 miles east of Hailar. The two forces would clash at 2pm and the battle would rage for many hours. The brunt of the fighting was felt by the Transbaikal Cossack battalions who charged into Bao's left flank. A severe thunderstorm broke out during the battle and Orlov used it to conceal a held back reserve battalion to charge into the right flank of the Chinese. When both flanks were being hit Orlov called for a general forward assault. General Bao was a well recognized figure and some Russian sotnias came across his dead body on the battlefield before they crashed into a Chinese rear guard at 10pm. The Chinese had routed and enraged by the intensity of the battle the Cossacks ran them down hard. The victory at Yakoshih would give Russia control over the western part of Manchuria up to the Greater Hsing'an Mountains. On the mountains a newly formed detachment under General Chou Mien established a heavily fortified position.  A flying detachment led by Bulatovich was sent to Hsing-an on August 19th and the approached the Chinese positions on the mountain to prod their defenses. Bulatovich personally led a small group to drive out a Chinese forward post near a bridge so most of his forces could get across a river to venture into the foot of the mountains. A full reconnaissance was performed, while the rest of the Hailar detachment were 40 miles away enroute. On August 20th, without waiting for reinforcements that were due to Hailar at any moment, Orlov advanced. Orlov took his forces to seize the Mien-tu-ho station, Ha-la-kuo station and I-Lieh'ko'te from which at a moment's notice he could help Bulatovich's position, being just 10 miles away or so. Orlov ordered the forces to slowly push into the mountains proclaiming to the men “Well done Verkhneudinks Cossacks! With God, lets see what the mysterious Greater Hsing-an is like!” From the 3 different locations the men advanced. Orlov planned to cross over a ridge 20 miles south of the Chinese position to get behind their rear and cut off their road towards Tsitsihar. While planning his attack, Orlov received word that Beijing had just been taken by the 8 nation alliance on August 14th and that Harbin was occupied by Russians as well.  At 5am on August 23d, Bulatovich began a envelopment maneuver while the main body advanced with Orlov. The Chinese would be unable to see the main bodies movements due to the mountain ranges. Once they approached the Chinese rear, Orlov began planning out artillery positions and watched with binoculars through some bushes at the Chinese positions. His report of the actions state the Chinese trenches were dug absurdly, in a line of square holes across the main road that could only face a frontal attack. He was also surprised to find out many nearby heights held no enemy posts, they easily could be used against them. Orlov took up a position that overlooked the entire left flank of the Chinese position. His artillery positions were perfect, nothing would obstruct their bombardment. At 2am the next day Orlov sent forward companies to seize the nearby heights lest the Chinese grab them at the last minute. At 6:45am the Chinese had advanced forward on the right flank catching the Russian position in enfilade fire. Cossacks charged into them swiftly and at 7:30am the Russian artillery began its bombardment which quickly silence the Chinese artillery. Suddenly the Chinese right flank was hit with Cossack sotnia's causing confusion. Chinese riflemen tried to get out of their trenches but were pinned down by the artillery shrapnel and soon the Cossacks were firing into the trenches butchering them. The battle was a brief one, the Chinese were simply not prepared to face attacks from multiple directions. After only 50 minutes the Chinese began a withdrawal. The Russians would have completely encircled and annihilated them, but the rear units rushed over to help a pinned down Russian company. Russian reported 3 deaths and 9 wounded, taking countless Chinese lives and seizing 5 artillery pieces and 120 carts of war materials.  The Chinese fled to Tsitsihar the capital of Heilungchiang province. Manchu General Shou Shan held a very strong garrison there. A detachment led by Bolsheretsk was already advancing upon Tsitsihar and Orlov was to meet up with him. On September the 2nd, Orlov arrived to the outskirts of Tsitsihar and 2 days later he entered the city, as the Bolsheretsk detachment had already battled and taken the city by August 28th. Its large Chinese garrison had fled towards Petuna. The reason they had fled was due to the psychological impact of General Rennenkampfs daring campaign, as you will recall General Shou Shan had committed suicide having lost to him. Apparently Shou Shan swallowed gold to rupture his intestines, I've never heard of that one before.  With the Hailar detachment and Bolsheretsk detachment together at Tsitsihar, they now had a force of 12 battalion, 14 sotnias and 22 artillery pieces altogether. Orlov sent orders for Rennenkampt to take 12 sotnias and 6 cavalry guns to advance upon Petuna while he would follow behind. Petuna was around 200 miles away and the Russians would have to ford the Nonni and Sungari rivers. Rennenkampft managed to get to Petuna in 5 days and found it sheltered 1500 Chinese Infantry and 150 cavalry units. A Qing official named Li rode out to parley with Rennenkampt, asserting to him they had 5000 men and asked for a armistice of 2 days. Rennenkampf replied that his detachment would be within Petuna that very evening and that by 6am all of the Chinese must come to their camp and lay down their arms. Rennenkampf really does seem like a badass doesn't he? At 6am on september 12th, the Chinese cavalry fully armed approached the camp and made a display of surrendering their arms. Then the Chinese infantry followed suit. The Chinese forces were herded away to help construct the railroad. On the 19th the main body reached Petuna, there Orlove and the other commanders decided to hit Kirin city, the capital of Kirin province. Mounted Cossacks were sent south of the Sungari river to hit Kirin from the south while the main body would advance north of the Sungair to hit Kirin from the north. Rennenkampf elected himself to perform a reconnaissance and set out on September 22nd with two sotnias. At 3pm the village of Tashuiho which lied on the junction of Mukden and Kirin was attacked by Rennekampfs force. Rennekampf was nearly speared to death during the attack, but they managed to fight off the Chinese. At 7am on the 23rd Rennenkmapf arrived to Kirin and a bearer of a flag of truce came out. The flag bearer asked for an armistice and again Rennenkampf rejected this and literally galloped into Kirin and headed for the Governor's mansion. This guy fancies himself Julius Caesar I guess. 220 Chinese cavalry who guarded the mansion were quickly surrounded and disarmed. Within Kirin Rennenkampf captured 69 modern rifles and 5000 other rifles of various dates which he tossed into the Sungari river. Rennenkampf had thus taken a fortified city of 120,000 inhabitants with 200 Cossacks, an unbelievable feat. But in reality, Prince Qing had actually ordered the governor of Kirin to suspend all hostility against the Russians. I bet Rennenkampf forgot to mention that part in his action report. Like I said a Julius Caesar kind of guy haha.  With Kirin in their hands, Orlovs detachment turned back to Harbin, where he would soon receive orders to return home so the Transbaikal Cossacks could tend to their farms, just in time for harvesting. Rennenkampf would remain in Kirin until the arrival of Major General Kryshanovskii with 4 squadrons of dragoons, 1 Chita Cossack sotnia, the 3rd Transbaikal cossack battery and a mounted train of artillery on September 26th. Rennenkampf took his small force to Tiehling where Russian forces were preparing for a large offensive against Mukden. Orlov's campaign was an extremely fast one, his forces covered extreme distances, going 20 miles or so per day. A telegram from Lt General Matsievskii, the commander of the Transbaikal Cossack forces told Orlov his men had broken all records in the campaign. Casualties for the Hailar detachment were 468 in total. The Chinese had been routed, not by cowardice however. They fought bravely and were well armed, it seemed to Russian eye witness accounts they lacked proper marksmanship. The Qing officers seemed to be ignorant of modern military tactics and this heavily affected their organization. The Manchu General of Heilungchiang had sent troops simultaneously in three directions against the Hailar detachment, the Bolsheretsk detachment and the Khabarovsk detachment, not to mention sending other dispatches against Harbin. Orlov believed the Chinese could have won if they consolidated and hammered the Russians one force at a time. With the capture of Kirin, Qing officials now tried to ingratiate themselves with the Russians, giving them the old wine and dine treatment.  The final Russian offensive would be mounted in southern Manchuria. Major General Fleisher, was appointed commander of the newly formed South Manchurian Detachment. On August the 8th after Yingkou was taken, Mishchenko joined up with Domrovskii at Tashihciao. The Chinese had consolidated around Haicheng with a strength of around 4 battalion and 4 artillery pieces. The Russian forces at Tashihciao did not have many mounted Cossacks to perform a proper reconnaissance and as a result would not have a good idea of the Chinese strength. Thus the Russians overestimated the enemy. Fleisher ordered 3 columns to advance, in the middle was Colonel Aurenius leading the 3rd East Sierian rifle regiment with 8 guns and a section of Cossacks; on the left was Mishchenko with two companies, two Cossack squadrons and the 1st Transbaikal Cossack battery; and on the right was Dombrovskii with 4 and a half companies of the 11th east siberian rifle regiment, 4 guns and a squadron of Cossacks. The three columns departed Tashihciao on August 10th. Aurelius's central column ran into a Chinese outpost who upon seeing them began to flee north towards Haicheng, only to run into Mishchenko's forces. Dombrovskii's column were advancing through some difficult mountain terrain to try and block escape routes for the Chinese. Mishchenko's force suffered casualties from Chinese artillery, but when the Chinese tried to press an attack, the 1st Cossack Battery battered their formations. Aurelius tried to advance faster to catch up to the Chinese, but they kept slipping away. In the face of the advancing Russians, the Chinese evacuated Huchuangtun, destroying all useful war materials there. On August 11th the Russian columns reunited for and made camp, then the next day continued towards Haicheng in two columns. The main column commanded by Fleisher consisted of his detachment, Dombrovskii's detachment and sotnia of Cossacks. They advanced northward along the railway line. The other column led by Mishchenko traveled parallel with the main column to the left.  General Shou planned to lure the Russians over towards Newchwang and spring a trap, but his subordinates refused to abandon Haicheng without a fight. Yun assumed command over the Haicheng militia and had his forces harass Mishchenko's smaller column as they advanced. Yun set up an ambush for Mishchenko, deploying some artillery on a mountain range, but the Russians quickly overran them. While Mishchenko was fighting in the mountain range, a large force of Boxers from Haicheng tried to recapture the Chinese artillery. The Russians saw a hoard of yellow sash wearing Boxers, most of whom were prepared for hand to hand combat. The Boxers charged the Russians furiously, and Russians reported seeing very old men, some young boys and even a few girls amongst their force. Cossacks reported the Boxers tried to grab them down from their horses, but were no match for sabers. At 2am on August 12th the Russians were brushing off the attacks and ambushes and continuing their advance. By this point the Chinese had roughly 4000 regular troops, 8 artillery pieces and 1000 Boxers who had all retreated during the night for Haicheng. When the Russians reached Haicheng, the Chinese defenses collapsed. The Russian artillery had only just begun firing as the Chinese artillery crews abandoned their equipment and began fleeing. The only real resistance would be rear guard actions as the Russians stormed into Haicheng. Patrols were first sent into the city to see what kind of state it was in. Many inhabitants were known to the Russians as they were workers on the railway and the patrol forces assured them all they would see no harm. As the Russian main force entered the city, the Chinese came out with gifts of chicken, eggs and vegetables and both sides were quite relieved by the outcome. Konstantin had entered the city and met with some Chinese families he knew from railway work, gave them all assurances there was going to be no violence within the city. Railway guards were initially stationed in the city, but soon relieved whereupon regular Russian troops came in. Konstantin had departed Haicheng for some meetings and when he returned some days later, he went to a Chinese family acquaintance to find they had been butchered inside the home. Konstantin recalled “two old men lay in puddles of blood, bayoneted to death, while a young boy, about eight years old, with his belly ripped open, squirmed in agony”. Konstantin was livid, and went to the nearest sergeant major to ask where the other Chinese were and was told “they are farther away from their sin”. That same day a doctor in Konstantins regiment was called upon to revive an old woman and younger girl. Both had been expelled for the city, ran into solders who killed the older womans husband and raped the younger girl. In agony the two tossed themselves into a river to commit suicide. The old woman was revived, and the girl died. Konstantin bitterly watched as more innocent bystanders died. I would like to take this time to remind you all that this podcast is only made possible through the efforts of Kings and Generals over at Youtube. Please go subscribe to Kings and Generals over at Youtube and to continue helping us produce this content please check out www.patreon.com/kingsandgenerals. If you are still hungry after that, give my personal channel a look over at The Pacific War Channel at Youtube, it would mean a lot to me. Northern Manchuria is firmly under Russian control and gradually southern Manchuria is falling to the same fate. The price of war as usual is always felt heaviest on the innocent civilian populations. Unfortunately Manchuria will face such horror for decades to come. 

Welcome to "The Coffee In The Greenroom Podcast," the ultimate backstage pass to the world of actors, models, musicians, and all things VIP Ignite.In this episode, we dive deep into the realm of energy and paradigms with our special guest, Yun Rhee, Chief Empowering Officer & Energy Expert from The Elevated Human Experience. Yun's mission is nothing short of magical - she's here to help you realize that you are a magical being on a wondrous planet, where thoughts have the power to manifest into reality.Join us as Yun unlocks the secrets of untapped potential within each one of us. She passionately reminds us that we all possess unique talents and superpowers, but societal pressures often force us into a cookie-cutter mold. Yun shares her three essential steps for personal growth, starting with giving yourself the permission to explore and discover your true self.Discover how to embrace life's journey, understanding that decisions are not about right or wrong but about savoring every moment and adapting along the way. And don't miss her transformative insights into how habits, whether good or bad, can be reshaped by creating new ones, rather than just trying to eliminate the old.If you're ready to unlock your inner magic, embrace your individuality, and embark on a journey of continuous growth, this episode is a must-listen. Get ready to be inspired, empowered, and equipped with the tools to express your unique magic to the world.Brought to you by VIP Ignite and Truth Mgmt, "The Coffee In The Greenroom Podcast" is your go-to source for invaluable insights from industry experts and thought leaders. Subscribe now and start your journey towards realizing your full potential!Cheers to your future success!REGISTER FOR OUR NEXT ONLINE, NO-COST AUDITIONhttps://www.ammsociety.com/CHECK OUT VIP IGNITE'S FREE MODEL AND ACTOR BOOTCAMPhttps://vipignitesummit.comFOR MORE INFORMATION ABOUT VIP IGNITE https://vipignitelive.com/CHECK US OUT ON FACEBOOK:https://www.facebook.com/vipigniteliveCHECK US OUT ON INSTAGRAMhttps://www.instagram.com/vipigniteCHECK US OUT ON TWITTER:https://www.twitter.com/vipigniteCHECK OUT THE HOLLYWOOD MINDSET WEBSITE HERE:https://www.hollywoodmindset.comCHECK OUT THE COFFEE IN THE GREEN ROOM PODCAST HERE:https://www.coffeeinthegreenroom.comCHECK OUT THE VIP IGNITE LIVE PODCAST HERE: https://www.vipignitelivepodcast.comCHECK OUT WHAT PEOPLE ARE SAYING HERE:https://www.youtube.com/playlist?list=PLLzqEyOGiBnMwTyocXsmB8oyki-Sz22zT

More homeless people have been created due to the housing supply crisis. Homelessness is up 11% since last year, per the WSJ. The opioid crisis, consumer inflation, and NIMBYism have contributed too. California has the most homelessness on both a total and per capita basis. States with higher housing costs have more homeless people. I share our poll results: “Should we pay to house the homeless?” Are you a NIMBY? We find out today. We can increase housing supply with rezoning, construction training, and lower mortgage rates. The cycle of investor emotions led to wild investing manias. It was tulip bulbs in the 1600s Netherlands and Beanie Babies in the 1990s United States.  I discuss exactly why “buy low, sell high” is more difficult than it sounds. Timestamps: The correlation between homelessness and the housing market [00:00:00] Discusses the relationship between the housing market and the increasing problem of homelessness in America. Investing manias and lessons from history [00:00:00] Explores the phenomenon of investing manias and the lessons that can be learned from historical examples. The tight inventory market conditions and potential solutions [00:04:56] Lawrence Yun, Chief Economist of the National Association of Realtors, discusses the tight housing market conditions and suggests tax incentives to increase housing supply. Timestamp 1 [00:10:32] Affordability of moving to different cities and the proposal of a tax incentive for real estate investors. Timestamp 2 [00:11:49] Discussion on the housing supply crisis, mortgage rates, and the homeless population in the US. Timestamp 3 [00:14:14] Increase in homelessness in America, reasons behind it, and the correlation between housing prices and homelessness rates. The impact of high density housing on quality of life and home value [00:21:12] Discussion on the potential negative effects of building high density housing near single family homes, including reduced home value, increased traffic and noise, and loss of nearby open space. Alternative solutions to increase housing supply and reduce homelessness [00:23:30] Exploration of alternative measures to address homelessness, such as trade training for the homeless and relaxing excessive safety requirements in home building. Giving real change to the homeless [00:25:50] Encouragement to give directly to homeless shelters or soup kitchens instead of giving small change to individuals on the street, with the concept of "give real change not small change" explained. Note: The timestamps provided are approximate and may vary slightly depending on the podcast episode. The Origins of Tulip Mania [00:31:37] Tulips were introduced to Europe in the 1500s and became a luxury item for the affluent. The cultivation of tulips locally in the Netherlands led to a flourishing business sector. The Tulip Bubble [00:32:55] By 1634, tulip mania had swept through the Netherlands, with the demand for tulip bulbs exceeding supply. Prices reached exorbitant levels, and futures contracts were being bought and sold. Lessons from Tulip Mania [00:37:53] Tulip mania serves as a model for financial bubbles, with similar cycles observed in other speculative assets like beanie babies, baseball cards, NFTs, and stocks. It highlights the dangers of excess, greed, and speculation without tangible value. The cycle of investor emotions [00:44:32] Explanation of the different stages of investor emotions, from optimism to panic, in relation to stock market investing. The peak of the stock market [00:46:43] Discussion on the peak of the stock market being the point of maximum financial risk and the difficulty of selling at the right time. Real estate as a stable investment [00:51:56] Comparison of real estate investment to speculative bubbles, highlighting the stability and income stream provided by real estate. Explains how the integration of HOA (Homeowners Association) helps maintain uniformity and cleanliness in the rental property investing world. Details about the upcoming real estate event [00:38:31] Promotion of a live event where listeners can learn about new construction fourplexes and have their questions answered in real time. Resources mentioned: Show Notes: www.GetRichEducation.com/463 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:   Welcome to Get Rich Education. I'm your host, Keith Weinhold. America's homeless problem has become FRIGHTENING. I describe how that correlates… with the housing market.  Then, investing MANIAS. What drives people to spend more for one tulip flower bulb than they would for an entire luxury home?    And lessons you can learn that'll benefit you the rest of your life from other manias throughout history. All today, on Get Rich Education.   ___________   Welcome to GRE! From Seaford, DE to Carmel-by-the-Sea, CA and across 188 nations worldwide, you're listening to one of America's longest-running and most listened to shows on real estate investing. Along with plenty of ongoing hot takes on wealth mindset and the real estate economy.    I'm your host, Keith Weinhold.    See, the crash in the SUPPLY of available American homes is bad and it isn't just creating more upward prices, it's a contributor to homelessness.    Let's talk about some of the drivers of homelessness, understand the problem a little more, how many homeless people ARE there in America, and then… what can we do about it?   As you'll soon see, one prominent real estate industry influencer actually suggests that you actually SELL your rental single family homes in order to help serve the homeless. More on that shortly.    Also, I have the results from a GRE Instagram Poll. The poll question is: “Should we pay to HOUSE the homeless?”    And the answers that you - the GRE listeners gave… actually surprised me. I'll give you those super-interesting poll results later, because I have more to explain there.   But first, what IS a homeless person? Let's define it. I think most anyone knows that since it's a person without a home, it's thought of as living on the street.   Really, then, that person might not be homeless but “houseless” in a literal sense. Even if they live in a tent under a bridge, that is then, their home. Though it might be INADEQUATE housing.   More accurately, the unsheltered or undersheltered population could be more apropos.     Then there's vagrancy. A vagrant is defined as a person without a settled home OR regular work… who wanders from place to place and lives by begging.   So vagrants are PART of the homeless population then. This all helps DEFINE what we're discussing.   Now, the lack of available American housing supply - especially the affordable segment - is OBVIOUSLY a big contributor to homelessness.   For example, anymore, how many builders even construct a new-build entry-level home for $200 or 250K? Practically nobody… anywhere.   And just how bad is the supply problem now? Well, the NAR has been tracking housing supply since 1982 and it just hit its lowest level ever this summer - EVER - and that's in 40+ years of tracking.    That's one reason why just last week, it was announced that Warren Buffett is making a big bet on housing by investing in homebuilders.   Now to keep consistent with the same stats I've been reporting to you for you, to update that, again 1-and-a-half million available homes is the baseline supply. That's the long-term “normal” per the FRED Active listing count.   And through last month, it's still under 650,000. That is STILL a housing SUPPLY crash of 57% from its peak of 1 ½ million.   I want you & I to listen to this upcoming piece together. This recent interview with NAR Chief Economist Lawrence Yun is from the 8th of this month.   Yes, HE is the one that basically wants you to sell your SF rental properties. And he makes his case for an inducement to get you to do this. (Ha!)   He's not proposing anything COMPLETELY ludicrous. It's REALLY interesting. Listen closely for that.   This about 5 minutes in length and there's a lot of material here within this clip - a nutrient dense piece, so I've got SO much to say about this when I come back to comment.    [Yun clip]    Yeah, the NAR Chief Economist there talking about how, much like I have for years, great opportunity is in the Midwest and Southeastern parts of the US.    With this greater ability for people to work from anywhere, when people move in from the pricy coasts, it's sooo affordable to them.   Moving from Manhattan to Cincinnati feels incredibly affordable.  Moving from San Francisco to St. Louis feels like you've upgraded from serfdom to a kingdom. Moving from Boston to Jacksonville feels like a total life makeover.   That's why, here at GRE, we're focused on properties in those INbound destinations.    Before I continue, especially for those outside the US, I know that it seems a little odd that Ohio and Indiana are in what we call the Midwest when they're actually in the northeastern quadrant of the nation.   But the fact that they ARE midwestern states is rooted in history and in cultural tradition.   So, getting back some new angles on the housing supply crisis.   Lawrence Yun proposed that a tax incentive be introduced to unleash the inventory of SF rentals from individual REIs.    And says that there are over 20 million single-family housing units that are rented out.    If we reduced or canceled the capital gains tax & just got 1% of that inventory on the market, he states that that would help.   Well, yeah, but even that then would only put about 200,000 units of the market - and they'd get snatched up so fast.   Now, if mortgage rates come down to say, 5%, it would unleash both housing demand AND supply.    Both - like Lawrence Yun says. So it's not apparent that that would help this shortage, if both demand and supply go up.   In a nation of about one-third of a BILLION people now - that's how I like to express it this year - America now has one-third of a billion people… also known as 333 million - how many do you think are classified as homeless?   As you think about that - as you think about how many of America's 333 million Americans are homeless, this homeless population figure that I'm about to share with you is from HUD and it's through last year, so it's their latest year-end figure.    And I'll tell ya, it's hard to believe this number. The Department of Housing and Urban Development states that about 582,000 Americans are experiencing homelessness.   Now, how HUD does this is that their number is a snapshot of the homeless population as of a single night at the end of January each year.    The total number of people who experience homelessness for SOME PERIOD each year will be higher than that.   I just did the math and then that means that just 1 in every 572 Americans are homeless. C'mon. Do you believe that? Only one in every 572 Americans are homeless?   I might believe that it's something like more than 1 in 200. What are your thoughts?   Even HUD would probably concede that there are shortcomings in that stat and that it's only a starting point.   And over the last decade, according to HUD, the homeless population is little changed… apparently until just this past year.   Homelessness is surging in America. The number of people experiencing homelessness in the US has increased 11% so far this year over 2022. That would be the biggest jump by far in equivalent government records beginning in 2007.   Now this 11% homeless jump is according to a WSJ analysis of hundreds of smaller & local agencies.    Most  agencies say the alarming rise is because of the lack of affordable housing and rental units, and the ongoing opioid crisis.   Inflation is part of that affordable housing problem. Inflation widens the disparity between the haves and have-nots.   To cut some slack to census-type of surveying, homelessness can be hard to measure. Some live on skid row, some live in the woods, some homeless people live in their cars.    Some aren't interested in being counted. Others are essentially invisible. I mean, if someone's between jobs and needs to couch surf at their aunt and uncle's place for three months, are they homeless or not? So, to be sure, there's a lot of leeway in those numbers.   One in 572 as homeless - that should just be a minimum - a starting point in my opinion.   Now, homelessness broken down by STATE is really interesting.   California at 171,000, has the most of any state, more than double of next-most New York, and then Florida is third.   But let's break that down by rate - on a per capita basis. So… think of this as the highest CONCENTRATION of homeless:   Washington DC has 65 homeless per 10,000 people. That's not really a state though, so…   #1 on a per capita basis is STILL California, with 44 per 10,000. So California leads in the nation in homeless on both bases then - both absolute and relative.   The second highest rate is Vermont.  Third Oregon Fourth Hawaii Fifth is New York And then numbers 6 through 10 on the most homeless per capita are Washington, Maine, Alaska, Nevada, and Delaware.   Now, strictly anecdotally. You've probably seen just what I've seen in the last year-plus - more visible homeless people in your city and other cities.   The state with the FEWEST homeless of all 50 states is Mississippi - and see, housing is quite affordable there. MS is one of the most affordable states for housing.    There is at least SOME correlation between your cost of housing and homelessness.   Recently on our Instagram page, and the handle there is easy to remember - it's @getricheducation - if you want to participate in future polls, we ran a poll on homelessness.   Here is the poll question that we ran - and I'd like you to think about your answer to this too.   “Should we pay to house the homeless?”    That's the question.    And in polling, the way that the question is phrased, of course, can skew your answer.    See, if instead, we phrased it as, “Should the government house the homeless?” you might have more ‘yes' answers - even though it's the same question - because you FUND the government.    But the question as we phrased it: “Should we pay to house the homeless?” - it also showed a photo of vagrants on a street curb under the question.   Here we the results, which surprised me, to:  Should we pay to house the homeless?   Those answering “Yes” were just 6% The no's were 45% But we also had a third option: “It's complicated”. 48% answered with that option.   So again, just 6% of you said we should pay to house the homeless and 45% said “no”. “48% said it's complicated”.   In a way, that makes sense to me since we have a largely entrepreneurial, self-made type of audience. I thought that might have happened.   But what surprised me is in how emphatic it was. It was a landslide. 7 to 8 TIMES as many of you said we should not pay for the homeless as those that said we should.   Well, the reason that I added - and I'm the one that ran the poll myself - they're quick to do. I added the paying to house the homeless “It's complicated” option because it IS complicated… that WAS the most popular answer.   I mean, why should you go to work and pay to house a stranger that has no income because he or she doesn't want to work?   But what if they're disabled and they can kinda work but not really work… or a zillion other complications.    Substance abuse is obviously a big problem that keeps homeless people homeless… and there's a substantial thought paradigm that says, if they're an abuser, then why would I pay for THEIR housing?   Substance abuse is just one reason that there is a population that's VOLUNTARILY homeless. They don't want to have to comply with a group home's ban on substances.    I wanted to address the homeless problem somewhat today, because here we are on Episode 463 of a real estate show and this is the most that we've even discussed it.   I think the perspective it gives you is that it helps you be grateful for what you've got.    But it's abundance mentality here. You can be grateful for what you have and at the same time, grow your means.   What else would help with more housing supply which would also move us toward mitigating the homeless problem?   Well, we've already discussed a number of them so I'll only go in depth with some fresh angles here.   Obviously, more homebuilding. We've done episodes on how 3D printed homes and shipping container homes are not quick, easy answers. Tiny homes might be but then you could get into a zoning density problem again.   Just last week, my assistant brought me this Marketwatch article that reported that the average American home size is shrinking just a little & that often times, new-build houses tend to be a little closer together.   That's what gets us into relaxing zoning requirements. But you know something, OK, this is going to be interesting.    This plays into NIMBYism. Not In My Backyard: communities saying that they don't want high-density housing built next to them.    Now, I think that there are a lot of critics of NIMBYism. But the criticism comes from people that live far out of that area and aren't affected.   Let me just play a fun little experiment with you here. Let me paint a picture of a fictitious life for you and just… place yourself there.   Say that you live in a nice single-family home, with a quarter acre lot. It's not a sprawling estate but you've got a good measure of privacy that way.   You're in a SFH, quarter-acre lot and two car garage. That is classic suburbia.   And… just a hundred yards away from your home there's a big, wide-open field where you walk your dog and use as a little makeshift golf driving range or whatever. Nice open space nearby.   Say you've got a fairly idyllic life here. It's always been this way since you bought the home years ago.   Suddenly, in your neighborhood of all SFHs, you learn that they want to build a bunch of fourplexes in the nearby lot where you used to throw tennis balls to your dog.   What can that do to your quality of life & your home's value, now that a bunch of new fourplexes and eightplexes were built nearby?   It reduces your home's value because there are less valuable, high density properties nearby.   It also increases the amount of traffic & even noise in your neighborhood. Now you can't use that nearby park anymore - it's been all-built up with these higher-density apartments.   So, let me go back and ask - point blank - did you really want all those new high-density developments near your home?   If that made you uncomfortable, that's NIMBYism. So it's quite natural to evoke that feeling type. You're just a human being.   How else can we increase housing supply to help reduce homelessness?   NOT with rent control. Over time, capping the amount of rent that a LL can charge gives property owners no incentive to improve their property and neighborhoods end up dilapidated.   We need more training for tradesman and laborers. How about training the homeless for that? But then someone's got to pay for that training.   Another measure that's become ridiculous is that we've gotta relax these excessive safety requirements in homebuilding. Now, some safety is good.   But when every single home - entry-level and all needs to have fire-rated shingles and fired-rated doors and GFCI outlets and smoke detectors in every room and carbon monoxide detectors all over the place, sheesh! Well, that raises the cost of housing for everyone.   In some earthquake-prone areas, you've got to have seismic restraining straps on your water heater or you can't even sell your home. Do you know how big of an earthquake it would take to damage your water heater like that?   And an excessive safety PROPONENT might say, yeah, but did you hear about that one family that died ten years ago that would have lived if they had carbon monoxide detectors?   Well, the counterargument to that is, yeah, but what about all the homeless people that were exposed to the elements and died in the cold because they couldn't AFFORD the more basic housing, the prices of which have escalated for all this excessive safety stuff.   Are you saying a middle class person's life is worth more than a poor, homeless person's life? That's the counterargument.    Again, some safety is good. But we've gone overboard in too many places - in housing & beyond.   Rising housing costs keep people homeless. A few weeks ago, I did that episode about escalating insurance costs.   I now own some properties that have extremely low mortgage rates and the insurance has gone up to the point where I pay more in monthly escrow expenses than I do principal & interest.    But, hey. I'm not homeless, and if you're listening to this, neither are you.   So when it comes to helping the homeless in the short-term, that campaign called, “Give real change, not small change.” - that really resonates with me.   Don't give 5 bucks to a vagrant on the corner. That just keeps them showing up at that corner, plus they're going to spend your 5 bucks on a cheap bottle of Monarch vodka.   Instead, if you're going to give, give to a homeless shelter or soup kitchen.    That's what's meant by “Give real change, not small change.” And that's something actionable.   Coming up next, investing MANIAS. How wild it gets - paying more for a tulip flower than a SFH, shooting and killing someone over a Beanie Baby toy… and then I'm going to wrap it all up with what all this has to do with the cycle of your investor emotions.   Around here, we don't run ads for the Swiffer. This week's sponsors that support the show are people that I've personally done real estate business with myself and have benefited from.    Ridge Lending Group specializes in INVESTMENT property loans in nearly all 50 states. Start your prequalification at: RidgeLendingGroup.com    Then, for super-passive real estate returns, check out Freedom Family Investments. Right now, what you can do, is just text “FAMILY” to 66866.   I'm Keith Weinhold. You're listening to Get Rich Education. ___________ Welcome back to the GRE Podcast. I'm your host and my name is Keith Weinhold.    If you've got a friend or family member that you think would benefit from the knowledge drops here on the show, you can simply tell them to grab the free Get Rich Education mobile app.   That's a convenient option for listening every week for both iOS and Android.   Today's topics of homelessness and investing manias could very well bring a new audience here, so…    A little more about my backstory. I'm from PA but got my real estate comeuppance in Anchorage, Alaska of all places & grew out nationally & internationally from there. I had humble beginnings and wasn't born anywhere near wealthy. I had to figure out how to build it myself.   But see, if I were born wealthy, I wouldn't have learned how to build it, and then I wouldn't be of much help to you. Likewise, if you're building it yourself, you'll be able to help others too.   BTW, I was born in the same PA town as Taylor Swift.    Though she & I don't have much ELSE in common, I guess that she & I are both best-known for using a microphone.   Though I think that I'm about as likely to start using this microphone to sing into your ears like Taylor Swift does… as Taylor is to launch a real estate investing show.   For hundreds of years, the tulip has been one of the most-loved flowers in the Netherlands. It's an enduring icon - as synonymous with the country as clogs, windmills, bicycles, and cheese. The tulip has a long and storied history - including the infamous shortage in the 1600s known as “tulip mania”. If you're someone that has even a fleeting interest in investing, you should at least know what this is.   Tulips first appeared in Europe in the 1500s, arriving from the spice trading routes… and that lent this sense of exoticism to these imported flowers that looked like no other flower native to the continent. It's no surprise, then, that tulips became a luxury item destined for the gardens of the affluent.  According to The Library of Economics and Liberty, “it was deemed a proof of bad taste in any man of fortune to be without a collection of [tulips].” Hmmm. Well, following the affluent, the merchant MIDDLE classes of Dutch society sought to emulate their wealthier neighbors and also demanded tulips. So to start out with, it was purchased as a status symbol for the sole reason that it was expensive. But at the same time, tulips were known to be notoriously fragile, and would die without careful cultivation. In the early 1600s, professional cultivators of tulips began to refine techniques to grow and produce the flowers locally in the Netherlands. They established a flourishing business sector that persists to this day. By 1634, tulipmania swept through the Netherlands. The Library of Economics and Liberty writes, “The rage among the Dutch to possess tulip bulbs was so great that the ORDINARY INDUSTRY of the country was neglected, and the population, even to its lowest dregs, embarked in the tulip trade. Now, everyone's in - rich to poor. It's a little hard to say for sure how much people paid for tulips.  But Scottish journalist Charles Mackay, wrote an extremely popular 1841 book - you've probably heard of this book - it's called the Memoirs of Extraordinary Popular Delusions and the Madness of Crowds… It does give us some points of reference such that the best of tulips cost upwards of $1 million in today's money (but a lot of bulbs traded in the $50,000–$150,000 range).  By 1636, the demand for the tulip trade was so large that regular markets for their sale - like a little Dow Jones Industrial Average - got established on the Stock Exchange of Amsterdam, in Rotterdam, Haarlem, and other towns. It was at that time that PROFESSIONAL TRADERS got in on the action - that's all that some people do now - is trade tulips… and everybody appeared to be making money simply by possessing some of these rare bulbs.  Dutch speculators at the time spent incredible amounts of money on bulbs that only produced flowers for a Week—many companies were formed with the SOLE PURPOSE of trading tulips.  To everyone, at the time, it seemed that the price could only go up forever. Pretty soon, demand for tulips EXCEEDED THE AVAILABLE SUPPLY of tulips by so much that people were into buying futures contracts, basically saying, I'll pay you this much money TODAY for a tulip that you provide to me in 3 years. By the last 1630s, these futures contracts were like a crack that appeared in the price runup. Demand began to wane when people were just buying a token for a future tulip that hadn't even started growing yet.  People felt like they weren't buying anything tangible anymore. That's one factor that helped create an oversupply of tulips in the market and started depressing the prices. Supply caught up with - and exceeded - demand. A large part of this rapid decline was driven by the fact that people had purchased bulbs on credit, hoping to repay their loans when they sold their bulbs for a profit. But once prices started to drop, holders were forced to sell their bulbs at any price and to declare bankruptcy in the process. So people had begun buying tulips with leverage, using margined derivatives contracts to buy more than they could afford. But as quickly as the run-up began, confidence was dashed. By the end of 1637 is when prices began to fall and never recovered.   And the bubble burst. Buyers announced that they could not pay the high price previously agreed upon for bulbs, and that made the market fall apart.  While it wasn't actually a devastating occurrence for the entire nation's economy, it did undermine social expectations. The event destroyed relationships built on trust and people's willingness and ability to pay. It's been said that “the wealthiest merchants to the poorest chimney sweeps jumped into the tulip fray, buying bulbs at high prices and selling them for even more.” Well, this is what can happen - today it happens with financialization and nothing real backing up purchases. Tulipmania is a model for the general cycle of a financial bubble. That's what happened with Dutch tulips. Now, here in more recent times, similar cycles have been observed in the price of Beanie Babies, baseball cards - I got caught up in the baseball cards as a kid, owning more than 100,000 baseball cards at one time, also non-fungible tokens (NFTs), and shipping stocks.       The example of tulipmania is now used as a parable for other speculative assets, such as cryptocurrencies today or dotcom stocks from around the year 2000. So, when you hear someone likening an investment to a Dutch tulip bulb, now you'll know what they're talking about. It's a symbol of excess, greed, and FOMO. But there has been a good bit of more modern scholarship that tells you that tulip mania did indeed occur in the 1600s Netherlands. But that the tale has been exaggerated and it's something that the upper classes of society were mostly involved in. Now, that's the Dutch tulip bubble. But for a more modern-day parable about an investing mania, there's a new movie about the rise & fall of BEANIE BABIES that's on Apple TV+. These were little stuffed, plush toy animals that became more popular among adults than children. The rise and fall of Beanie Babies—toys that people mistakenly thought would make them rich. The movie is called “The Beanie Bubble”.  It's a MOSTLY TRUE account of the lovable toys' boom and bust in the '90s -  comparable to the meme stock frenzies that took place during the Covid-19 pandemic. These $5 pellet-stuffed plush toys had astronomical appreciation estimates: Stripes the Tiger, released in 1996, was predicted by collectors to surge from $5 to $1,000 by 2008.  Forecasts like these were so enticing that one dad invested his kids' college funds in Beanie Babies, thinking he'd resell them later for a hefty profit. At the height of the frenzy, people were ruining relationships and committing felonies to get their hands on some of these sacks of fuzz. Border officials confiscated more than 8,000 smuggled Beanie Babies at a US–Canada border crossing in 1998. A West Virginia man shot and killed a former coworker in 1999 after an argument partly about $150 worth of Beanie Babies. That same year, a divorcing couple couldn't agree on how to split up their collection, so the judge made them divvy up the toys in person, right on the courtroom floor. How did that all happen? Barely anyone cared about Beanie Babies when a company called Ty Inc. launched them in 1994. Stores only got lines out the door once the toy's creator, now-billionaire Ty Warner, began pulling strings to juice demand. Here's what Warner did. OK, so here's how you induce people into a speculative bubble. He refused to stock Beanie Babies at Toys R Us and Walmart. Instead he created an illusion of rarity by only selling them at small toy stores and independent shops. Even if you did find a retailer, every store's supply of Beanie Babies was limited to 36 of each animal, so inventory restocks drew a crowd. This, combined with Warner's decision to start “retiring” certain animals in 1995, created artificial scarcity and a mass panic to stock up on Beanie Babies.  Soon, an aggressive resale market was born, replete with magazines and blogs and even trade shows for these Beanie Babies. One woman's guide to the secondary Beanie Babies market got so popular that she was selling 650,000 copies per month and, on many days, she did two or three radio interviews before her kids woke up for school. Ty Inc. later gave her an award for boosting sales. At Peak Beanie mania, Ty Inc. and legions of speculators actually made hordes of money: The stuffed animals accounted for 6% of eBay's sitewide sales in 1997 and 10% in 1998. Beanies averaged a resale value of $30—six times their retail price—but rare ones, like the Princess Diana bear, went for hundreds or thousands of dollars (and now you can find one online for $15 bucks). Ty Inc. hit $1.4 billion in sales in 1998, which is what Mattel grossed in Barbie dolls in 1995. At the end of the year, Ty Warner gave all ~250 employees holiday bonuses equal to their annual salaries. But most regular people didn't sell their Beanie Babies at their peak price. And unfortunately for them, the hype subsided. Anticipating a drop in interest as more kids reached for Pokémon and Furbies, Ty Inc. announced it would stop making Beanie Babies at the end of 1999, and that poked a hole in collectors' this-will-never-not-be-popular mentality and that sent demand plummeting. There were no underlying fundamentals to Beanie Babies' value. That's all that I've got on that speculative craze.   So let's review how this happened with both speculative crazes - Dutch tulips and Beanie Babies: Investors lose track of rational expectations. Psychological biases lead to a massive upswing in the price of an asset or a sector. A positive-feedback cycle keeps inflating prices. And soon, investors realize that they are holding an irrationally-priced asset. Prices collapse due to a massive sell-off, and an overwhelming majority go bankrupt. Now, much stock market investing is based off of buy low and sell high mentality. And stock investors can get caught up in similar crazes.    But because many stocks are tied to productive companies, the stock investor deals with smaller bubbles. A lot of times, the stock price can double, triple, or even 10X even though that company is not even profitable. Buy low & sell high. Well, that sounds easy. But why is this harder to do than it sounds? It's called the cycle of investor emotions.   It starts here with… optimism. Because you HEAR about 10% stock returns or people making money with Dutch tulips or Beanie babies.    Let's say that you aren't fully invested in the stock market. But some friends are, and they're achieving small gains.   Then comes excitement. The market is now up some more. Hey, what's in motion tends to stay in motion.   More friends are telling you how much money they're "making".    You're soon experiencing a full-blown case of FOMO—Fear Of Missing Out.   The next stage is the Thrill you feel. So you jump into the stock market fully, rationalizing with something like, "Hey, I'm a momentum investor". Sounds pretty good, I guess.   Now that you're in, it actually feels fantastic to you for a short time. You figure that some days, you're making more from stocks than your job. Winning activates dopamine.    Dopamine is a brain chemical that's known as the “feel-good” hormone. It gives you a sense of pleasure. It also gives you the motivation to DO SOMETHING when you're feeling the pleasure.    So then, you add MORE shares… at an elevated price until you are FULLY invested. Now everyone is "making money", even your Uber driver.   The next stage is Euphoria - The peak! As you can see, this is the Point of Maximum Financial Risk.    OK, now, remember the simplicity of “buy low, sell high”?   Well then, savvy stock investors should now be SELLING here in my example - at the HEIGHT.   Now be “selling”? Leaving the party at its crescendo? Stopping the dopamine flow? Yes, exactly… and THAT'S why it's so difficult.    What happens after the stock market peak? Overbought, with bloated price-to-earnings ratios, the market soon drops 10% from its recent high.    That's what's known as a correction - a drop of 10% or more. Now you feel a little ANXIETY. Your dopamine flow is stifled.   Next, you tell yourself, "I shouldn't be worried because I'm a long-term investor." It's down 15%. You're experiencing DENIAL & FEAR.   Now you're checking the Robinhood app almost hourly to see if it will recover.   Next, comes Desperation & Panic - Stocks are down 20%, that's the definition of a bear market. You're devoting more mindshare to this each day than what's healthy.   Then there's Capitulation - Down 30%, you finally surrender to a FEAR of FURTHER LOSS. You're getting so sick of months of losing. You finally do it and cash out your stocks into a safe money market fund. Now you're out.   And you rationalize and justify doing this because you tell yourself, "You know, at least when I wake up tomorrow, I'll know that I haven't lost money AGAIN. And THAT gives me certainty.”    The next stage in the Cycle of Investor Emotions is Despondency - You realize that what you've done is the polar opposite of successful investing. It's complete. You've now bought high… and then sold low.    Next, stocks completely bottom out. But this is actually the Point of Maximum Financial Opportunity. Instead, you should be buying.   But you can't. Because you're experiencing the next investor stage - Depression. You're so full of contempt for the situation that the idea of actually buying at bargain-basement levels again is simply inconceivable. You've been burnt badly.   Then, there's Hope & Relief - The market has begun ticking up after the crash. It soon should be clear that share prices are FAIRLY VALUED again.    But you don't buy the recovery story. You wait until enough price growth occurs that the confidence and Optimism stage is felt again before you'll even consider getting back in and buying.   And the entire pattern repeats.   That's the “cycle of investor emotions”. There's an average of 3-and-a-half years between each stock bear market, BTW.   Of course, we've been kind to call this all “investing”. It's more like speculating.   But here's the real problem—most investors THINK they're better than average stock pickers, so they keep playing this game. This effect has a name. It's called illusory superiority.   It's like how at least 70% of people think they're better than average drivers, despite the statistical impossibility.   Even professional money managers fall prey to this! Fewer than 10% of active U.S. stock funds manage to beat THEIR benchmarks.   The renowned British economist and value investor Benjamin Graham once said: "The investor's chief problem—even his worst enemy—is likely to be HIMSELF." Well, as real estate investors, we largely SIDESTEP the cycle of investor emotions for two main reasons.   Returns are more stable.   Real estate, we sidestep this emotional roller coaster. Not only do we have stable prices, but appreciation is one of just 5 ways that you're simultaneously paid.   RE also has monthly income. Dutch tulips or Beanie Babies don't pay you a durable monthly income stream. They don't provide an income stream at all.   And finally, RE is a REAL asset that fulfills a REAL human need.   I hope that you enjoyed this journey through speculative bubbles today and how they play into human psychology and investor emotions.   Go ahead and tell a friend about Get Rich Education.   If you've got a friend or family member that you think would benefit from the knowledge drops here on the show, you can simply tell them to grab the free Get Rich Education mobile app.   That's a convenient option for listening every week for both iOS and Android.   My name's Keith Weinhold and I'll be back with you right here… next week. Don't Quit Your Daydream!

Are starter homes a thing of the past? Did the Fed just win? I provide commentary and perspective on both. Hear clips from: Donald Trump, Jamie Dimon, and Jerome Powell. Then, I answer four listener questions: Should I make my first real estate investment a new development from raw land? Does it make sense to sell some rental properties, pay off others, and make my life easier? My returns are down because my property repair bills are higher than expected. What should I do? Since the government has high debt, won't they keep printing dollars? If you have a listener question, ask it here: GetRichEducation.com/Contact Timestamps: The state of the real estate economy [00:00:01] Home prices and housing supply [00:01:33] Analysis of home prices reaching new highs, the decrease in new listings, and the impact on housing supply. Mortgage rates and the future of interest rates [00:03:54] Insights on the direction of mortgage rates, the unlikelihood of rates returning to the 3% range, and the opinions of Lawrence Yun, the chief economist at the NAR. The Fed's Soft Landing [00:10:31] Discussion on the Federal Reserve's efforts to control inflation and maintain economic stability. Building Development as a First Investment [00:12:49] Advice on whether it is a good idea for beginners to invest in land development and the challenges involved. Acquiring More Property or Paying Down Debt [00:19:02] Advice on whether to continue acquiring properties or pay off existing debt and downsize for a more enjoyable life. The philosophy of debt [00:21:11] Debt can be beneficial and indicate wealth, as seen in examples of successful individuals with high levels of debt. Managing repair costs for rental properties [00:24:18] Charging tenants for the first portion of repair bills can incentivize them to make minor repairs themselves and reduce long-term repair costs. Inflation and government debt [00:30:12] Inflation can debase government debt, reducing its value, similar to how it affects personal debt. The US government's ability to print money allows for easier repayment of debt. The housing supply and marketplace [00:31:30] Discussion on the historically low US housing supply and the importance of staying up to date with the inventory and other elements in the real estate market. Resources mentioned: Show Notes: www.GetRichEducation.com/459 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE 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:   Speaker 1 (00:00:01) - Welcome to GRE. I'm your host, Keith Weinhold. First, I'll discuss the surprising state of the real estate economy. Then I answer your listener question Should I develop and build property myself? How do I keep my rental properties repair bill down? And two questions about real estate debt all today on Get Rich Education with real estate capital Jacksonville. Real estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor since 2013. JTB is ready to help your money make money and to make it easy for everyday investors. Get started at JWB Real Estate.   Speaker 2 (00:01:01) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Speaker 1 (00:01:24) - Welcome to the area from Warsaw, Poland, to Warsaw, Indiana, and across 188 nations worldwide. And Keith Weinhold in your listening to Get Rich Education.   Speaker 1 (00:01:33) - Earlier this month, CNBC reported that home prices have hit new highs again, another up just slightly year over year, though the popular sentiment is that by now people have gotten used to paying 7% or even more than 7% mortgage rates and higher rates. That puts the squeeze on housing supply. I mean, gosh, within this era of already paltry supply, I mean, we're talking about direly few homes in some markets here. Nationally, new listings are down 25% from a year ago. All right. Now, that's all national stuff. But look now, just over half of the nation's 50 largest housing markets and they're mostly in the Midwest and Northeast. They have either returned to their prior price peaks or they have set new all time highs. Annual home prices are still weaker out west, but even some of the Western markets has slumped. They're now seeing month over month gains. Yes, we're talking about gains now even in San Jose, San Diego, Los Angeles, San Francisco and Seattle. Now, look, our starter homes, a thing of the past.   Speaker 1 (00:02:47) - Some now think so with these higher prices. Just listen to this from an NAR survey, 40% of millennials who bought homes last year, they plan to stay in them 16 years or more. And for Gen Z, that number jumps up to 48%. Now, who knows if they'll really stay in those homes at that long. But see, what's going on here is just affirmation that so many buyers don't plan to trade in their starter home for a move up home. They got their starter homes when rates were low, though starter homes are not coming onto the market, potential sellers have ghosted the market, making for fewer listings and those fewer listings. That's what's fueling the price growth. So yes, starter homes could largely be a thing of the past, but of course not completely. Now, just two weeks ago here on the show, Jim Rogers told us why long term, he thinks interest rates will go much higher and opinions can be all over the place. So I don't want to get too bogged down in that.   Speaker 1 (00:03:54) - But shorter term, one prominent commentator, he is now emphatic that mortgage rates have hit their top, like, for example, hit their top for perhaps this year and next year. Lawrence Yun, chief economist at the NAR on the direction of mortgage rates. He says, quote, This is the top. It will begin to move down. But you can also says if you're a US home buyer waiting for a return to super low mortgage rates, don't hold your breath. The short lived era of 3% interest rates for 30 year fixed mortgages, that is over, and they are unlikely to return anytime soon, perhaps for decades. He goes on to say that one can never truly predict the future but don't see mortgage rates returning back to the 3% range in the remainder of my lifetime. That is all of what Yun said. Okay. The remainder of Lawrence Hoon's lifetime, he looks pretty healthy and that might be 40 years, 40 plus years. Did we see rates that low again, according to him? Now, did you see this? We posted this in our Instagram stories as our curious article of the week last week.   Speaker 1 (00:05:07) - The Washington Post get a hold of this title. They published an article and it was titled The Housing Market Recession is Already Ending. My preeminent thought is the housing market recession is already ending. That's a curious headline. What housing market recession? I don't get it. And the subtitle doesn't help. It's subtitled Last year's downturn in the housing market didn't last even with higher interest rates. Now prices are stabilizing. Is supply chains have eased up. All right. Well, even with actually reading the complete article, I don't know what they mean by a housing market recession last year. I guess that national home prices stopped appreciating last year and they just stabilized. But I don't know how the heck you get a recession out of that. Maybe with low housing supply, there were fewer transactions and that was being considered a recession. Now, look, I'm going to posit something really unpopular here in today's climate, but I think that this is a question that you really need to ask yourself today, and that is, did Jerome Powell just win? I told you it was unpopular.   Speaker 1 (00:06:20) - He's not a very well liked. Person in a lot of circles. But with CPI inflation at 9% last year and 3% now. Yet throughout this spin, we had a few banks that broke but no recession. Is it possible that Jerome Powell has engineered a soft landing? I've got more on that in a moment. But the actual person of one, Donald, John Trump, made some quick remarks about the economy this month. Let's listen in.   Speaker 3 (00:06:52) - We've never had an economy like we had just three years ago. It was unbelievable. And frankly, this economy is not doing well. But the reason it's doing okay is it's running on the fumes of what we built. But those fumes are running out and they're running out fast. And it's not going to be a pretty picture.   Speaker 1 (00:07:11) - Yeah, I don't know about that. When we look at the broader US economy, let's get something more substantive. And speaking of people that aren't well liked, Jamie Dimon had some great perspective. I think you know that he's the billionaire business exec and the banker that's led JPMorgan Chase since 2005.   Speaker 1 (00:07:30) - To put it another way. This man runs the largest bank in America.   Speaker 4 (00:07:36) - It's the other way around. America has the best hand ever dealt of any country on this planet today ever. Okay. And Americans don't fully appreciate what I'm about to say. We have peaceful, wonderful neighbors in Canada and Mexico. We've got the biggest military barriers ever built called the Atlantic and the Pacific. We have all the food, water and energy we will ever need. Okay. We have the best military on the planet, and we will for as long as we have the best economy. And if you're a liberal, listen closely to me in that one, okay? Because the Chinese would love to have our economy. We have the best universities on the planet. There are great ones elsewhere. But these are the best. We still educate most most of the kids who start businesses around the world. We have a rule of law which is exceptional. If you don't believe me and we talk about Britain, Brazil, Russia, India, Venezuela, Argentina, China, India, believe me, it's not quite there.   Speaker 4 (00:08:29) - We have a magnificent work ethic. We have innovation from the core of our bones. You can ask anyone in this room what you can do to be more productive. Ask your assistants, factory floors, redo it. It's not just the Steve Jobs. It's this broad death with the wires and deepest financial markets the world's ever seen. Okay. And if you. I just made a list of these things and maybe I miss something. It's extraordinary. It's extraordinary. And we have it today. Yes, we have problems. But, you know, when I hear people down, if you travel around the world, I mean, get an airplane, travel around the world and go to all these other countries and tell me what you think.   Speaker 1 (00:09:02) - Yeah, Jamie Dimon really bringing up a lot of those geographic advantages like Peterson and I discuss in depth here Diamond's remarks. They're not new remarks. Those weren't recent ones. And by the way, I don't really care for him calling out liberals, just like labeling people conservatives.   Speaker 1 (00:09:20) - That's counterproductive. I like the quality of ideas as soon as we start labeling things left or right, that quickly becomes more divisive than it does unifying. Don't do left right politics. I do. Up, down, up is integrity. The quality of your ideas concepts means for getting things done and track record. That's what matters. But anyway, coming off Jamie Dimon waxing poetic with American optimism and exceptionalism. Yeah, it is time to ask if the Fed is winning. And first, let's understand something fundamental The fact that high inflation occurred for two years that is irreparable. Let's not overlook that. I mean, you're Trader Joe's grocery store prices. They're not coming back down even if the rate of inflation has slowed. I mean, that is a big fat L, That is a loss. It came from printing all those dollars to paper over the pandemic, which created the high inflation with everything from the paycheck protection program to Stemi checks to the Cares Act. And yes, the executive branch created some of that too.   Speaker 1 (00:10:31) - But my point is, make the irresponsible people that don't have any savings feel some pain once in a while. If you just make money fall from the sky every time there's a crisis, then people are going to learn to not have any reserves or any cash flowing investments during the next crisis. Yes, supply chain constraints are part of the problem too. But since you tried to paper over the pain, see then creating that inflation that results, that makes everyone feel the pain that's middle class or below. All right. But after that understanding, is Jerome Powell now winning by landing the inflation softly without crashing the economy and keeping GDP rising a little in keeping unemployment low in see even the producers price index that's forward looking that measures this change. In selling prices of goods and services producers. That's falling out, right? That leading indicator for consumer price inflation. And that's why inflation expectations are finally dropping. And that doesn't mean that I like the Fed or the system at all. But by now you've at least got to begin to wonder if the Fed can get their soft landing.   Speaker 1 (00:11:47) - They've dropped down from 30,000 foot cruising altitude. There's no turbulence, and they're below, call it, 10,000ft. Now, for the first time in two years, wages are finally rising faster than prices.   Speaker 4 (00:12:01) - We at the Fed remain squarely focused on.   Speaker 1 (00:12:04) - Our dual mandate.   Speaker 4 (00:12:05) - To promote.   Speaker 1 (00:12:05) - Maximum employment and stable.   Speaker 4 (00:12:06) - Prices for the American people.   Speaker 1 (00:12:08) - Yes, sir. That is your job after all. Well, I want to turn to your listener questions here for the remainder of the show. And if you've got a question for me, you can always reach out at Get Rich education, slash contact. The first question comes from Tina in Monroe, Louisiana. She says, Keith, I love your show. Just started listening last month. Tina asks Keith, I have the idea of buying land and I want to know if this is a good idea to build new rentals on. Like for Plex's, I've already formed an LLC and hope to open a business line of credit, but this would be my first ever real estate investment.   Speaker 1 (00:12:49) - Okay, Tina, thanks for finding the show here. Welcome in. I expect that you'll have years of profitable listening ahead to start a new development from digging raw dirt all the way through to procuring your certificates of occupancy and have that be your very first investment for almost anyone. I have got to say no because there is just so much to development. Development is going to rely on your experience and your ability to build a team. You're going to need general contractors and subcontractors and vendors, suppliers and experience dealing with regulators and a municipality and bankers and perhaps investors. And legal development is risky for beginners. You're purchasing something that doesn't yet exist. You've got to be sure that you're buying the right land in the right place. And that means studying everything from geotechnical reports and Perc tests to understanding the demographics, whether you plan to buy that land there in Monroe, Louisiana, or wherever else it is, and then your exit strategy. And while it might not actually be to exit, but it's going to be either to sell your completed development or for you to hold it for rental income, you have really got to know what you're doing.   Speaker 1 (00:14:13) - I am not a developer, but I talked to a lot of them, especially build to rent developers. Now, the reason that I say that the answer is no for development as your first real estate investment for almost anyone. Well, I say almost because if you have a remarkable mentor, someone that's going to go out in the field with you almost every day, then it's a possibility. And even then that mentor should have a proven track record. You need approvals and subdivision and plans drawn and bringing in drainage and utilities and entitlement mean instead of all that for a beginner and really even for most veteran investors, it is substantially easier to buy something that's already built, that has a history of rental occupancy and income. And then the team that you have to build a so much smaller with that primary long term team member as your property manager. But thank you for the question, Tina, because I think a lot of real estate investors wonder about building themselves from raw land. And it seems that even more investors right in here wondering about, you know, just building one individual single family rental home or duplex or fourplex.   Speaker 1 (00:15:25) - And even then, if it's successfully done, it usually takes longer than you think. And then once you're done, the property is vacant and you need to find tenants. So it might be a few more months before it even cash flows. So buy property that's already built, learn investing that way. And what you've done is you've outsourced all of the development unknowns to someone else and they bring you the known and completed development project that is better for more than 99% of people. And then look into being a developer yourself when you've got sufficient experience. If that remains interesting to you, a great mentor with a proven track record or both, if you'd like to ask a question and potentially have me answer it on air here again, go ahead and reach out through get ratification smash contact because that's where you can either leave a voice message or a written one. I am just. Getting started with listener questions. I'm back with more of them. Straight ahead. I'm Keith Reinhold in You're listening to episode 459 of Get Rich Education.   Speaker 1 (00:16:30) - If you want some really passive income, listen to this. You know, I'll just tell you, for the most passive part of my real estate investing personally, I put my own dollars with freedom family investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25. 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 in your W-2, jobs, income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660, and this isn't a solicitation If you want to invest where I do, just go ahead and text family to six six, 866. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056.   Speaker 1 (00:17:43) - They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four Plex's. So start your pre-qualification and you can chat with President Charlie Ridge personally, though, even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group.   Speaker 5 (00:18:12) - This is Jerry Operations lead Andrea Newburn. Listen to Get Rich Education with Keith Reinhold and don't put your daydream.   Speaker 1 (00:18:29) - You're listening to the show. It's created more financial freedom for busy people just like you than nearly any show in the world. This is guitarist Education. I'm your host, Keith Reinhold. The next question comes from Adam. He is a real estate agent in Seattle. And Adam asks this. Hi, Keith. I've been an avid listener and follower of yours for years now. Like you, the Little Purple Book changed my life early on and I was able to semi retire at age 35. The book that he's talking about, by the way, is that Poor Dad, I am 42 now and back working as a realtor because I love it.   Speaker 1 (00:19:02) - And then after he wrote I Love It in parentheses, he put well, sorta. So I don't know that he loves it too much and I am at a crossroad in my life. Do I keep acquiring more property and more debt or do I start paying down the properties I do have? I have seven properties now and with a mindset of less is more as I want to enjoy my life a bit more and I'm honestly getting tired of managing my three in state properties. Therefore I've been thinking about selling one to pay off the loan of two other properties and really start to downsize and truly be debt free. Life is too short and I want to enjoy the rest of my life. Do you have any advice or opinions for me? Thank you in advance. Okay. Adam. Well, since you've listened for years, you probably already understand that I don't pay off any of my properties, though I could. I don't want to. I'd lose leverage in all that. You probably understand that I don't self manage.   Speaker 1 (00:20:01) - You said that you self-manage three of your seven properties there in Washington state. So since you probably already understand all that, yes, I would acquire more property, more debt and outsource the property management. That way you can enjoy life if the property is in your home state, don't have high rents in proportion to their values. In a lot of places around Seattle, they don't have a high ratio there. Well then it's probably worth 1030 running into out of state property. Or if you really like those Washington properties, then find a property manager there in state and to find a suitable 1031 exchange facilitator with a proven track record, check the resources tab at GRI marketplace.com. That same website will help you find out-of-state properties if you like. You can also contact our coaches to help walk you through that at marketplace.com/coach. That is a free coaching service by the way. Now as far as keeping the instate Washington properties, if you decide that you do want to do that, the bigger Pockets forums can help you vet a qualified property manager there.   Speaker 1 (00:21:11) - Now, Adam, you did say something about the possibility of downsizing and becoming truly debt free, as you put it. But my question is, what's the problem with debt if someone else reliably pays it all for you? Of course your tenant pays a principal and interest and hopefully a little on top of that called cash flow. All right. In that case, all of that debt is outsourced. Now, let me get a little philosophical for a minute. I don't know the name of the person that's the biggest debtor in the entire world. But you know what? He is probably really wealthy or she all circle back to why in a second. Here's a fun way to understand this. The quarterback threw the most interceptions of all time. Oh, you must think that guy is a total loser. Well, you know what? The quarterback that's thrown the most interceptions all time by far is in fact, a Hall of Famer Brett Farve. Oh, well, how can that be? Well, it's because he got so many chances to play.   Speaker 1 (00:22:17) - He must have been a pretty good quarterback for the coach to put him on the field. Then often year after year, the baseball pitcher that lost the most ever games for his team all time, he is named Cy Young. Well, Cy Young also won the most games all time in Major League Baseball. He was one of the very first inductees into the Hall of Fame. And there's even an award given each year. Still, the most outstanding Major League Baseball player called the Cy Young Award. Yet he lost the most games and say, did you meet a guy on the street there where you live and you learn that he has $20 million in debt? I don't even need to know anything else right there. That tells me that he's probably a financial winner to have that much debt because, see, he would need to be highly credit worthy to even get all that debt in the first place. See, you're only looking at the $20 million debt side of his balance sheet. His asset side might be $50 million.   Speaker 1 (00:23:16) - Hey, that's a $30 million net worth. Even with high inflation, $30 million is fairly wealthy today and mad as Mark Zuckerberg is one of the wealthiest people in the world, he has a net worth. North of $100 billion. And the Zuckerbergs, they took a loan for their home even though they could pay cash for it many times over. And yet when Zuckerberg and his wife bought their home, they took out a loan for the leverage and the arbitrage. The wealthiest people in the world have the most debt AI model that you can model that I personally look to increase my debt as time goes on. And then simultaneously, I expect the asset side to increase faster than the debt side. The asset side increases faster because I've got the debt, hence the leverage. So this is why I have an aversion to being debt free. I hope there's both some helpful resources and a philosophical component for you to chew on there as well. Adam The next listener question comes from Heiko in Utica, New York. Sorry if I mispronounce your name.   Speaker 1 (00:24:18) - It's spelled at Jaakko. Maybe it's Jocko, but I'm going to go with Jocko. He asks. I've held my first ever purchase of a rental single family home for a little over a year. It's located in Holladay, Florida, though my property was projected to provide a cash on cash return of 6%, it only produced 3% because repairs cost more than expected On this 1978 built property. I use a local property manager that's been pretty communicative. I always anticipate reading my monthly email statement from him, just wondering how to manage costs over time. Signed Jocko. Okay. Jocko And by the way, I own rental single family homes myself, just about five miles from Holladay, Florida. And these areas are just north of Tampa. Well, Co only getting 3% rather than a projected 6%. It's actually not a terrible miss. Now, it would be if that were your only revenue source or your only return from an investment. But of course, this 3% cash on cash return is one of your five profit sources from income property.   Speaker 1 (00:25:28) - But suffice to say, one great long term strategy to keep myriad repair costs down over time. And it's something that Ken McElroy told me about, and that is charge the tenant for the first $50 in repairs or maybe charge the tenant for the first $100 of repairs. That way they're going to think twice before bugging you or bugging your manager. Now, this can have the desired effect of keeping your long term repair bill down in a few different ways, but yet ensure that you're still serving the tenant. All right. First of all, the first 50 or $100 a repair bill, it's really not that burdensome to most tenants, but yet they will think twice before calling you or it's calling your manager, in this case, Jocko, before calling about something ticky tacky and minor like the kitchen cabinet doors got a little loose on their hinges again. Now you want to provide clean, safe, affordable, functional housing. That is a core concept in mission here. At first, this might incentivize the tenant to make a 10 or 15 minute repair themselves so that you never even hear from them.   Speaker 1 (00:26:43) - And that also prevents, say, a $75 service call from being made in the first place. Now, if it's a repair that's beyond the tenants expertise or expectations to take care of themselves, say it's something like a kitchen faucet that just leaks a little, well, okay, you want to see that that's taken care of for them. But if they have to pay the first small portion of repairs themselves, then that incentivizes the tenant to report a number of small things in one batch. All right. Well, now, that makes it more efficient for you or for your property managers handyman. That makes for fewer service calls, fewer runs to Home Depot and a real reduction in your repair cost. See? Hello. The work from home movement. That's being good for us as residential real estate investors. But there is one downside to that. A few more tenants spend all day at home and there are more components that can wear out sooner. Or there's this more time that tenants spend at home to notice little things that are amiss.   Speaker 1 (00:27:47) - So that's why the time in the real estate market is right to charge the first portion of repair bills to the tenant. That's why this makes sense now. Now, there are a couple caveats around this. Hello. When the tenant first moves in, I'll go ahead and give them a week to bring you any findings and then those things should be taken care of without charging the tenant anything at all. Right? I mean, the tenant shouldn't have to inherit any problems. And the other caveat is that your tenant has to be communicative about items in disrepair that could create long term damage, like a leaky drain, because you don't want that to ruin your subfloor over. Time. So the short answer on how to lower your long term repair bills, especially in a work from home world, is to have it in the lease that the tenant pays for, say, the first $50 to $100 of repairs. Also, you may have heard it just ten episodes ago on episode 449, I discussed 12 ways that you can raise the red in add value to your property.   Speaker 1 (00:28:52) - There's a good bit of related content there to help you keep profitable and get your cash on cash return up. Now, plenty of properties. In fact, probably most properties have exceeded their return projections over the last three years, and that is primarily due to rapid appreciation. But see, you don't get the lessons from the winds, you get the lessons from the underperformers. And that's why I wanted to answer your question for everyone's benefit today. Taco Tacos question was microeconomics. Let's flip it to macroeconomics with this. Next question from Dave in Atlanta, Georgia. Davis This one a while ago. First, here's the remarkable part on the listener question form in the how did you hear about a section, Dave? You simply wrote, I've been listening to you from the very beginning. Gosh, Dave, this is so supremely appreciated. I know we've got a lot of great devotees and I'm incredibly grateful for it. Dave asks With the US government, 30 trillion in debt and there's some rounding there and if inflation is say 10% over a few years, doesn't inflation debase the government's debt just like it does ours, taking it from 30 trillion down to $27 trillion in this case? Yeah, that stays.   Speaker 1 (00:30:12) - Question That's right, Dave. You've 100% got it. I've talked about this in some prior episodes. Since we get to borrow our mortgage loans in the currency that's denominated in the units of the biggest detonation in the history of the world, the dollar in the USA, then they want to print Dave, just like you. If you had $1 million in debt but you couldn't pay it back right now and you had the ability to print dollars ad infinitum, then sure, the easiest way for you to pay back your debt is to print your own dollars, just like America is doing. And that is just another benefit of you keeping high debt on your properties. In fact, the true definition of inflation is an expansion of the money supply. It's not the result, which is a decline in purchasing power. Technically, if the same Chipotle burrito costs $10 last year at $11 this year, that's not inflation. That's the result of inflation. So the USA wants inflation for this reason and other reasons. I've said it before, the surest been investing is that the dollar is going to continue to decline in purchasing power and that's exactly why we are debtors rather than savers.   Speaker 1 (00:31:30) - Take the sure thing. Thanks for the listenership and thanks for the question, Dave. That's all for listener questions. I encourage you to help yourself out. No one's looking out for you more than you amiss. Historically low US housing supply. Gerri Marketplace is where the inventory actually is, and it's the right inventory. The properties that make the best rentals. Real estate pays five ways style. And the selection changes, of course, based on inventory and other elements. So stay up to date. And if you haven't lately, go ahead and log in. There are free coaching service is becoming popular as well in why not it's like your own concierge personal one on one if you want that it is all there for you at gray marketplace.com. I'll be here with you to run it back next week. I'm your host Keith Wayne a little bit. Don't quit your day dream.   Speaker 6 (00:32:35) - 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.   Speaker 6 (00:32:45) - 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.   Speaker 1 (00:33:03) - The preceding program was brought to you by your home for wealth building. Get rich education.    

In this episode of the Thoughtful Entrepreneur, your host Josh Elledge speaks to the Founder & CEO of Elevated Human Experience, Yun Rhee.Connecting with Yun Rhee offers a unique opportunity to unlock your personal and professional potential. Her expertise in coaching, coupled with her innate ability to energize and inspire, helps individuals discover their true skills and redefine success on their terms. Yun's vast experience in real estate, sales, and recruiting provides practical insights for diverse challenges. As a leading consultant for the Proctor Gallagher Institute and a well-regarded speaker and energy healer, her guidance could be instrumental in personal transformation. Yun's dedication to raising human consciousness and promoting a life of abundance aligns with those seeking to live a purposeful life by design.About Yun Rhee: Yun is the founder and CEO of The Elevated Human Experience and Overflow Mastermind Group, a dynamic powerhouse of positivity and energy. As a Coach's Coach and Leader's Leader, she empowers clients to realize their potential and achieve personal definitions of success. Yun is also a renowned real estate investor who has owned multiple businesses, demonstrating sales, recruiting, and training expertise. Her impactful work with the Matrix Success Network led her to become a leading Consultant for the Proctor-Gallagher Institute. A compelling speaker and energy healer, Yun lives in Massachusetts with her husband, Matthew Swierk, and their two daughters. Her dedication to influencing humanity positively is unwavering.About Elevated Human Experience: The Elevated Human Experience is a transformative initiative to empower individuals to tap into their higher selves and embrace their truth without judgment. Its vision is a world of abundant living where self-discovery and personal potential are foremost. The mission is to raise human consciousness by helping people unlock their infinite potential, comprehend energy and paradigms, and realize the universal truths of unlimited abundance and intentional living. The Elevated Human Experience seeks to guide individuals toward living a life by design, underpinned by a profound understanding of their purpose and the inherent abundance of life.Apply to be a Guest on The Thoughtful Entrepreneur: https://go.upmyinfluence.com/podcast-guestLinks Mentioned in this Episode:Want to learn more? Check out Elevated Human Experience website at https://www.elevatedhumanexperience.com/Check out Elevated Human Experience on LinkedIn at https://www.linkedin.com/company/elevated-human-experience/Check out Yun Rhee on LinkedIn at https://www.linkedin.com/in/yun-rhee-901137122/Check out Yun Rhee on Instagram at https://www.instagram.com/yun.rhee/Don't forget to subscribe to The Thoughtful Entrepreneur and thank you for listening. Tune in next time!More from UpMyInfluence:We are actively booking guests for our The Thoughtful Entrepreneur.

In this Real Estate News Brief for the week ending May 13th, 2023... some good news about inflation, how a U.S. debt default might impact housing, and a new Gallup Poll on investor preferences.   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.   Economic News   We begin with two inflation reports from this past week. The first was a report on the Consumer Price Index for April. The CPI shows a .4% rise in consumer prices which is a slight increase from the previous month, but it brought the annual rate below 5% for the first time in two years. It hit a high of 9.1% last summer, but is now down to 4.9%. The core rate, which omits food and fuel, was also down .4%, with an annual rate of 5.5%. Shelter prices rose the most, but those prices are slowing down. It's interesting to note that the three-month annualized rate is now at 3.2%. (1)   Producer prices are also coming down. The Labor Department reported a .2% increase in the Producer Price Index for April, with an annual rate of 2.3%. The PPI's core rate was also down .2% but the annual rate is a bit higher, at 3.4%. As MarketWatch reports: “Inflation is moderating at the consumer and producer levels. This is adding to market expectations that the Federal Reserve will refrain from raising interest rates further at the next meeting in mid-June.” (2)   The Fed's preferred report on inflation, known as the Personal Consumption Expenditure Index or PCE, will play a big role in what the Fed does next. That's coming out at the end of this month.   Weekly jobless claims were a surprise on the upside, with 240,000 people filing for benefits. They were 22,000 higher than they were for the previous week. Economists had only expected an increase of 3,000. That's the highest number of claims since October of 2021. The numbers have been steadily rising since January, for a total of 1.81 million continuing claims. Higher numbers indicate a softening of the job market and slower wage growth which the Fed wants to see in its fight against inflation. (3)   Mortgage Rates   Mortgage rates are still idling in the lower 6% range. Freddie Mac says the 30-year fixed-rate mortgage was down four basis points to 6.35% this last week. The 15-year was down one point to 5.75%. (4) Freddie Mac's chief economist, Sam Khater, says: “A recent sideways trend in mortgage rates is a welcome departure from the record increases of last year.” (5)   In other news making headlines…   Mortgage Rates Would Skyrocket if U.S. Defaults on Debt   As lawmakers haggle over the debt ceiling, there's concern about what would happen if they don't come to an agreement and the government defaults. According to Zillow, it would have a devastating impact on the housing market, with mortgage rates potentially rising to 8.4%. That would increase a typical mortgage payment by 22%. (6)   Zillow says if mortgage rates get to the 8% level, existing home sales could fall from April's 4.3 million to around 3.3 million in September. That's a 23% drop. Zillow's senior economist, Jeff Tucker, acknowledges that a default is “unlikely” but if it did happen, he says it would send the housing market into a “deep freeze.”   It is hoped that President Joe Biden and Speaker of the House Kevin McCarthy will hammer out a deal by June 1st. In a Bloomberg interview, Treasury Secretary Janet Yellen said: “There is no satisfactory solution for the U.S. that's good for the economy and financial markets other than Congress acting to raise the debt ceiling.”   Fed's Rate Hikes Are Now Hurting the Housing Market   Housing economists are not happy about the latest rate hike. The Fed hiked short-term rates another quarter point to a range of 5 to 5.25%. The National Association of Realtors' Lawrence Yun and the National Association of Home Builders' Robert Dietz call it “disappointing.” They say the high rates are freezing loan activity and hurting the economy. (7)   They say that consumer prices have been coming down for months and the last rate hike wasn't necessary. Yun says that: “Regional banks are an important source of loans – but they are frozen.” He says: “They are shuffling their balance sheets and figuring out what to do.”   Dietz says that higher rates are making it harder for developers to build homes, which are badly needed to boost inventory. He says: “We need to be building more than 1.1 million homes a year to haVe a meaningful impact on the lack of inventory.”    Real Estate Still a Top Investment Choice, but Lead is Shrinking   A recent Gallup poll shows that real estate is still a top investment choice, but the lead is shrinking. In 2022, 45% of the participants said that real estate is the best long-term investment. This year, that percentage shrank to just 34%. (8)   Many consumers have turned to gold, which has now taken second place and pushed stocks into third. Gold was favored by 26% this year, compared to 15% last year. Stocks dropped from 24% last year to 18% this year. Savings accounts, CDs, and bonds are up slightly but they are still in fourth place.    Gallup asked some of the participants about crypto, but that has lost its luster with the recent collapse of the FTX crypto exchange, and a decline in crypto prices, especially for bitcoin. Only 4% of Americans are choosing crypto. Last year, it was 8%.   That's it for today. Check the show notes for links, and the “Join for Free” button to become a member of RealWealth. It's free to join, and you'll have full access to our website including our investor portal where you can check out various rental property markets and find out how to make real estate work for you in this tough environment.   And please remember to hit the subscribe button, and leave a review!   Thanks for listening. I'm Kathy Fettke.   Links:   1 - https://www.marketwatch.com/story/u-s-consumer-price-inflation-cools-to-lowest-rate-in-two-years-in-april-ef69d854?mod=home-page   2 - https://www.marketwatch.com/story/u-s-april-producer-prices-rise-2-3-over-past-year-smallest-increase-since-january-2021-8afa903e?mod=economy-politics   3 - https://www.marketwatch.com/story/jobless-claims-hit-264-000-in-latest-week-highest-level-since-last-october-d63852a4?mod=economy-politics   4 - https://www.freddiemac.com/pmms   5 - https://www.nar.realtor/magazine/real-estate-news/mortgage-rates-are-steadily-edging-downward   6 - https://therealdeal.com/national/2023/05/12/us-default-would-send-mortgage-rates-past-8/   7 - https://www.nar.realtor/magazine/real-estate-news/housing-economists-fed-policy-now-hurting-real-estate   8 - https://news.gallup.com/poll/505592/real-estate-lead-best-investment-shrinks-gold-rises.aspx?utm_source=google&utm_medium=rss&utm_campaign=syndication

In this Real Estate News Brief for the week ending May 6th, 2023… why economists are expecting a rate hike pause, where homeowners are paying the most and the least for their mortgages, and new home search help from a chatbot!   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.   Economic News   We begin with economic news from this past week, and the big news is, of course, the Fed's rate hike. The Federal Reserve's Open Market Committee followed through on an expected quarter point hike to the overnight lending rate, which puts the target range between 5 and 5.25%. It was the 10th rate hike in a row and a unanimous decision among committee members, despite calls for a pause from some Congressional lawmakers. (1)   The Fed also appeared to suggest that it might now be time for a pause, by eliminating a sentence that says “some” additional rate hikes may be needed. Instead, the statement kind of hedged on the idea of rate hikes by saying that any further rate hikes would depend on “the cumulative tightening of monetary policy, the lags with which monetary policy affect economic activity and inflation, and economic and financial developments.” Economists are interpreting that to mean that the Fed is prepared to take a more “dovish” approach at its next policy meeting. As MarketWatch puts it, the Fed is “on hold.”    Fed Chief Jerome Powell also said in his press conference after the meeting that: “We are no longer saying we anticipate” rate hikes. He says: “We will be driven by incoming data, meeting by meeting.” (2)   Some economists say the Fed has already gone too far. Chief economist for the National Association of Realtors, Lawrence Yun, is one of them. He called last week's rate hike “unnecessary and harmful.”   Yun says inflation has been coming down and will continue to do so. He says: “It will be even lower as the heavyweight component to inflation, which is rent, will inevitably slow down given the robust, 40-year high in construction of new apartment units.” He also says that many small banks are struggling right now. He says: “They are becoming zombie-like banks, unable to lend even to good businesses, as they are more concerned with balance sheet shuffling for survival.” (3)   Meanwhile, there are new signs that the job market is softening. Initial claims were up 13,000 to a total of 242,000. That's up from about 200,000 in January. Continuing claims were down, however, by 38,000 to a total of 1.81 million. (4) The April jobs report also shows that the job market is still going strong. It shows that companies increased the number of available positions by 253,000. Wall Street economists had anticipated the addition of just 180,000 new jobs. The unemployment rate also declined from 3.5% to 3.4%. (5)   Mortgage Rates   Mortgage rates dipped a little this last week. Freddie Mac says the average 30-year fixed-rate mortgage was down four basic points to 6.39%. The 15-year was up five points to 5.76%. (6)   In other news making headlines…   The Average Monthly Mortgage Payment   The average monthly mortgage payment is now $2,317. Lending Tree's latest study shows that the average U.S. home buyer needs a mortgage of $333,342 with the highest amounts needed in the District of Columbia, Washington State, and California. (7)   High priced states skew the averages however, so you need to look at the individual states to see how affordable they are. The three states with the lowest average mortgage amounts are West Virginia, Kentucky, and Michigan. In West Virginia, the average is just $1,700.   Homeownership Not a Priority Among Most Renters   A majority of renters don't see homeownership in their future. Online brokerage Home Bay conducted a survey that shows about two-thirds say they have lost hope in owning a home, although half of the respondents said that homeownership is “very important.” Given their current situation, they'd prefer to spend their money on other things. The top three priorities are paying down debt, having a comfortable retirement, and owning a car. (8)   Among the renters who want to own a home, a third are willing to pay a high price to do that including many who said they'd skip meals or sell their plasma. Two thirds also said they would take on a second job.   Zillow, Redfin Launch ChatGPT Plugin   Searching for a home could get a little easier with the help of a chatbot. Both Zillow and Redfin announced that users will be able to get a ChatGPT plugin that will allow them to describe homes and have the chatbot show relevant listings. The OpenAI website says that only a small number of users have access to the plugins right now, but you can add your name to a waitlist. (9)   That's it for this week's News Brief. Check the show notes for links at newsforinvestors.com. You can also join RealWealth while you are at our website by hitting the “join for free” button. Membership gives you full access to our Investor Portal where you can see sample properties and connect with our network of real estate professionals, including our RealWealthinvestment counselors.   And please remember to subscribe to our podcast!   Thanks for listening. I'm Kathy Fettke.   Links:   1 - https://www.cnbc.com/2023/05/03/fed-rate-decision-may-2023-.html   2 - https://www.marketwatch.com/story/4-things-we-learned-from-powells-press-conference-after-latest-fed-rate-hike-4863f055?mod=federal-reserve   3 - https://www.nar.realtor/magazine/real-estate-news/yun-latest-fed-hike-unnecessary-and-harmful   4 - https://www.marketwatch.com/story/jobless-claims-climb-13-000-to-242-000-and-show-hints-of-labor-market-softening-41d5e71b?mod=economy-politics   5 - https://www.marketwatch.com/story/construction-spending-up-0-3-in-march-546e0768?mod=economy-politics   6 - https://www.freddiemac.com/pmms   7 - https://www.nar.realtor/magazine/real-estate-news/the-average-monthly-mortgage-payment-is-above-2300   8 - https://www.cnbc.com/2023/05/04/renters-say-homeownership-is-hopeless-how-theyre-spending-instead.html?__source=realestate%7cnews%7c&par=realestate   ​​9 - https://therealdeal.com/national/2023/05/04/redfin-zillow-adopt-chatgpt-plugins/  

The Alchemist float and sword fight through life in Crouching Tiger, Hidden Dragon.  Key Elements: Green Destiny, Leap of Faith, Float Fighting Help the show on Patreon: https://www.patreon.com/filmalchemistpod Youtube: https://youtu.be/3B0iLMP---I  

Imposible hacer una tercera temporada sin nuestra querida Isabella Yunén, en esta ocasión le dijimos que llame a sus hermanos serios: Gustavo y Patty, conocidos por su podcast de negocios Pesos Pesados. Vamos a enterarnos cuál es el favorito, el más jodón y el más astuto de los hermanos Yunén Latour. CUÉNTALE AL PODCAST: ALGO QUE TE HAYA PASADO CON TUS HERMAN@S... SHUELTE!

This is Garrison Hardie with your CrossPolitic Daily News Brief for Wednesday, March 22nd, 2023. Hi Contrast Hymn Books If you don’t teach your kids the Lord’s songs, the world will teach them its songs. The brand-new Hi-Contrast Hymn Book is designed to help you teach your children the most beloved songs of the Christian faith. Its captivating illustrations will create special moments of truth, goodness, and beauty in your home every day. To get a copy for your family, go to www.hicontrasthymnbooks.com/FLF. That’s www. “H” “I” contrasthymnbooks.com/FLF. Now to the news… First in world news… https://www.foxnews.com/world/vladimir-putin-xi-jinping-sign-economic-deal-latest-demonstration-friendship-limits Vladimir Putin, Xi Jinping sign economic deal in latest demonstration of 'friendship without limits' Chinese President Xi Jinping and Russian President Vladimir Putin signed an agreement to expand their economic ties during a bilateral meeting in Moscow on Tuesday. Xi is in Moscow for a multiday series of meetings with his Russian counterpart, aimed at demonstrating the two countries' new "friendship without limits." Xi and Putin emphasized the importance of jointly safeguarding their countries' energy security. Putin touted plans for a gas pipeline from Siberia to China ahead of the meeting, saying the agreement was all-but finalized. "We were just discussing a good project, the new Power of Siberia 2 pipeline via Mongolia. Practically all the parameters of that agreement have been finalized," Putin told Xi at the beginning of the meeting, according to the Financial Times. Beijing has grown increasingly friendly with Moscow over the past year as Putin's invasion of Ukraine left the country largely ostracized on the world stage. Xi's visit comes just days after the International Criminal Court issued a warrant for Putin's arrest for war crimes committed in Ukraine. Nevertheless, the pair called each other "dear friend" when they first shook hands on Monday. Putin alleged during Monday's meeting that the Western world is conspiring to stifle Russia and China by "persistently working to split the common Eurasian space into a network of ‘exclusive clubs’ and military blocs that would serve to contain our countries’ development." The exact details of Russia and China's Tuesday economic agreement have yet to be released. Over to Paris… https://nationalpost.com/pmn/news-pmn/crime-pmn/macrons-government-faces-moment-of-truth-over-pension-reform Protesters set rubbish on fire as French govt barely survives no-confidence vote Protesters set piles of rubbish on fire in central Paris on Monday after President Emmanuel Macron’s government narrowly survived a no-confidence motion in parliament on Monday over a deeply unpopular pension reform. The failure of the no-confidence vote will be a relief to Macron. Had it succeeded, it would have sunk his government and killed the legislation, which is set to raise the retirement age by two years to 64. But the relief proved short-lived. In some of Paris’ most prestigious avenues, firefighters scrambled to put out burning rubbish piles left uncollected for days due to strikes as protesters played cat-and-mouse with police. Earlier on Thursday, a Reuters reporter saw police fire tear gas and briefly charge at protesters after the no-confidence vote barely fell short of enough votes to pass. Unions and opposition parties said they would step up protests to try and force a u-turn. The vote on the tripartisan, no-confidence motion was closer than expected. Some 278 MPs backed it, just nine short of the 287 needed for it to succeed. As soon as the failure of the no-confidence vote was announced, lawmakers from the hard left (LFI, France Unbowed) shouted “Resign!” at Prime Minister Elisabeth Borne and brandished placards that read: “We’ll meet in the streets.” In the southwestern city of Bordeaux, about 200-300 people, mostly youngsters, gathered against the reform and chanted: “Macron, resign!” A couple of trash bins were lit on fire as the crowd chanted: “This will blow up.” Over the past three nights, clashes over the pension reform, in Paris and throughout the country, have been reminiscent of the Yellow Vest protests that erupted in late 2018 over high fuel prices. A ninth nationwide day of strikes and protests is scheduled on Thursday. “Nothing undermines the mobilization of workers,” the hardline CGT union said after the vote, calling on workers to step up industrial action and “participate massively in rolling strikes and demonstrations.” Opposition parties will also challenge the bill in the Constitutional Council, which could decide to strike down some or all of it – if it considers it breaches the constitution. A second motion of no confidence, tabled by the far-right National Rally (RN), also failed, after it gathered only 94 votes. Other opposition parties said they would not vote for it. Far-right leader Marine Le Pen said Borne should go. She said Macron should call a referendum on the reform but was unlikely to do so. “He’s deaf to what the French people want,” she told reporters. https://townhall.com/tipsheet/katiepavlich/2023/03/20/this-is-insane-mexican-government-seizes-assets-of-american-company-n2620887 'This Is Insane': Mexican Military Just Seized Assets of an American Company Over the weekend, the Mexican military seized a number of assets belonging to American company Vulcan Materials. "The seizure of a US company's marine terminal in Mexico has drawn criticism from a US senator and risks sparking more tension between the two nations amid spats over energy and security," Bloomberg reports. "US construction firm Vulcan Materials alleges that armed forces, including from the Mexican government, launched a takeover of its facility in the country's southeast on Tuesday. The company says a federal judge in Mexico has ordered a stay on any government effort to confiscate the property." The move prompted national security experts to sound the alarm, calling the situation "insane." Former Director of National Intelligence John Ratcliffe is also weighing in, noting President Joe Biden's continued weakness on the world stage. Last week, Mexican President Andrés Manuel López Obrador lashed out after Republicans called for additional tools to use military force against Mexican cartels. https://www.cnbc.com/2023/03/21/february-home-sales-spike.html Home sales spike 14.5% in February as the median price drops for the first time in over a decade Sales of previously owned homes rose 14.5% in February compared with January, according to a seasonally adjusted count by the National Association of Realtors. That put sales at an annualized rate of 4.58 million units. It was the first monthly gain in 12 months and the largest increase since July 2020, just after the start of the Covid-19 pandemic. Sales were, however, 22.6% lower than they were in February of last year. These sales counts are based on closings, so the contracts were likely signed at the end of December and throughout January, when mortgage rates had fallen sharply. The average rate on the popular 30-year fixed loan hovered in the low 6% range throughout January after reaching a high of 7% last fall. The relative drop caused a jump in sales of newly built homes, before rates jumped back toward 7% in February. They now stand at 6.67%, according to Mortgage News Daily. “Conscious of changing mortgage rates, home buyers are taking advantage of any rate declines,” said Lawrence Yun, chief economist for the Realtors, in a release. “Moreover, we’re seeing stronger sales gains in areas where home prices are decreasing and the local economies are adding jobs.” Higher mortgage rates have been cooling home prices since last summer, and for the first time in a record 131 consecutive months — nearly 11 years — prices were lower on a year-over-year comparison. The median price of an existing home sold in February was $363,000, a 0.2% decline from February 2022. That lower median price could be a sign that homes on the more affordable end of the market are selling. Sales might have been even higher were it not for what is still very low supply. There were just 980,000 homes for sale at the end of February, according to the Realtors, flat compared with January. At the current sales pace, that represents a 2.6-month supply. A balanced market between buyer and seller is considered a 4- to 6-month supply. “Inventory levels are still at historic lows,” Yun added. “Consequently, multiple offers are returning on a good number of properties.” This could start to heat prices again, but with mortgage rates now higher than they were in January it will be harder for some buyers to compete. All-cash sales accounted for 28% of transactions in February, down from 29% in January but up from 25% in February 2022. Individual investors returned, making up 18% of buyers, up from 16% in January but down from 19% in February 2022. When looking at sales at different price points, they were all down in the range of 20% from February last year, with sales down the most in the top, million-dollar-plus segment. https://www.cnn.com/2023/03/21/politics/idaho-firing-squad-bill/index.html Idaho lawmakers approve bill that would allow execution by firing squad Idaho lawmakers approved a bill Monday that would allow execution by firing squad, according to the legislature’s website. State Rep. Bruce D. Skaug confirmed the move in a statement to CNN. “H186 has now passed the Idaho Senate and House with a veto proof majority,” Skaug wrote in an email to CNN. “Upon signature of the Governor, the state may now more likely carry out justice, as determined by our judicial system, against those who have committed first degree murder.” A total of 24 officials voted for the bill, while 11 voted against it. House Bill 186 will move to Republican Gov. Brad Little’s desk next. The bill stipulates that firing squads will be used only if the state cannot obtain the drugs needed for lethal injections. Several states have struggled to source the drugs required for lethal injection, causing them to pause executions and triggering lawsuits from inmates who argue the injections are inhumane. Additionally, the bill permits Idaho to use firing squads if lethal injections are deemed unconstitutional by a court. A fiscal note tied to the bill explains that refurbishing the Department of Correction to meet “safety and execution requirements for the firing squad” will cost around $750,000. If the bill is signed into law, Idaho will follow South Carolina, which approved the usage of firing squads in March 2022. Three other states permit firing squads, according to the Death Penalty Information Center: Mississippi, Utah and Oklahoma. A firing squad was last used in the US in 2010 to execute convicted murderer Ronnie Lee Gardner in Utah.