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The Power Is Now Podcast

Media & Entertainment Podcasts

The Power Is Now Media Inc. is an online multimedia company founded in 2009 by Eric L. Frazier, MBA, headquartered in Riverside, California. We are advocates for homeownership, wealth building, and financial literacy. We create and publish original and educational content about Real Estate through Radio, Podcasts, Magazines, TV, and online events. We provide an online platform for consumers and real estate professionals to learn about homeownership, housing, loan programs, and down payment assistance to achieve financial literacy and the American dream of homeownership. In addition, we support and are supported by Housing Finance Agencies, Real Estate Associations, and Civic, Religious, and community organizations to amplify their voice about the services and programs they offer in lending, housing, and homeownership.

Location:

United States

Description:

The Power Is Now Media Inc. is an online multimedia company founded in 2009 by Eric L. Frazier, MBA, headquartered in Riverside, California. We are advocates for homeownership, wealth building, and financial literacy. We create and publish original and educational content about Real Estate through Radio, Podcasts, Magazines, TV, and online events. We provide an online platform for consumers and real estate professionals to learn about homeownership, housing, loan programs, and down payment assistance to achieve financial literacy and the American dream of homeownership. In addition, we support and are supported by Housing Finance Agencies, Real Estate Associations, and Civic, Religious, and community organizations to amplify their voice about the services and programs they offer in lending, housing, and homeownership.

Language:

English


Episodes

Listing shorts Programs | The Power Is Now Media Inc | Eric L. Frazier

9/29/2023
Are you a listing agent struggling to sell properties in this hot market, No calls, no showings, no offers? It's time for a change! Ready to transform your listings? Schedule a FREE 15-minute Discovery Call: The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.co Click the link in the show description below https://calendly.com/ericfrazier/discoverymeeting Introducing Listing Shorts by The Power Is Now Media, your ultimate solution to boost property exposure and reel in those elusive buyers! Watch Listing shorts videos here: https://bit.ly/3tdlQaz What's in it for you? Create a captivating 2-3 minute video about you and the property. Lightning-fast delivery in just two days. We handle it all: director, editor, and producer support. Zoom recording with professional backgrounds and tech assistance. Stunning editing and animations using your property visuals. Time's precious: It only takes a 30-minute recording session per property, and in just two days, you'll have a ready-to-market video short that's bound to make an impact! But wait, there's more! Additional Services: Need a social media manager? We've got you covered, complete with show descriptions, keywords, hashtags, and metadata! Want to turn your video into a podcast? We offer podcast distribution services for maximum exposure. Dreaming of TV? Elevate your reach with our Live Streaming distribution services. Your satisfaction is our top priority. We guarantee you'll love your Video Short production! Join the power of success with The Power Is Now Media! See you soon!

Duration:00:04:20

The Power Is Now Testimonial with Skye Vergara

9/28/2023
Join Skye Vergara from Goodale Realty as she shares her incredible experience with The Power Is Now Media Company! Whether you're camera-shy or camera-ready, this is a game-changer! "I recently did a listing short with Power Is Now Media Company, and it was nothing short of phenomenal. It's super easy, and the results are amazing. I highly recommend it," says Skye Vergara. Ready to make your Real Estate listings stand out? Contact The Power Is Now Media Company today! The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com

Duration:00:00:58

Adriana Montes Real Estate Show - Hometown Heroes - Part 2

9/26/2023
In this exciting episode part 2, Adriana dive deep into the Florida Hometown Heroes program. Discover how this extraordinary initiative is changing the game for aspiring homeowners in Florida. Join Adriana Montes, CEO and broker-owner of Florida Dreams Capital, as she breaks down the eligibility criteria for this remarkable program. Learn how to qualify as a first-time homebuyer, what income thresholds apply, and why working with a qualified loan officer like Eric Frazier NMLS 461807 is essential. Explore the benefits, from reduced interest rates to substantial financial assistance. Whether you're aiming to purchase your first home or seeking expert real estate insights, this video has you covered. We'd love to hear from you! Share your thoughts in the comments below. If you found this video informative, don't forget to give it a thumbs up and share it with your friends. For more valuable real estate content, subscribe to our channel. Florida Dreams Realty: www.floridadreamsrealty.com Contact Adriana Montes: 321-689-6258 | adriana@floridadreamsrealty.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Thank you for joining us on the Adriana Montes Real Estate Show. Your path to homeownership and real estate success begins here!

Duration:00:04:07

Adriana Montes Real Estate Show - Hometown Heroes - Part 1

9/26/2023
Ready to unlock the path to homeownership in Florida? Join CEO and Broker Owner, Adriana Montes from Florida Dreams Realty, on the Adriana Montes Real Estate Show as we dive into the fantastic news about the Florida Hometown Heroes program! This is a must-watch if you're looking to buy a home in the Sunshine State. In this video part 1, Adriana breaks down the program's qualifications and highlight its incredible benefits. From additional funding of $100 million to down payment assistance, lower interest rates, and special perks for service members, this program has something for everyone. Plus, she share how you can get in touch with a loan officer who can guide you through the process. Your action is crucial! If you're excited about the opportunities this program offers, leave a comment below, share this video with friends who might benefit, and don't forget to hit that subscribe button for more real estate insights. Florida Dreams Realty: www.floridadreamsrealty.com Contact Adriana Montes: 321-689-6258 | adriana@floridadreamsrealty.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Let's make your dream of owning a home in Florida a reality together. Thanks for tuning in to celebrate the power of homeownership!

Duration:00:05:31

The Adriana Montes Show -Part 3

9/22/2023
Immerse yourself in a unique coastal experience at Seahorse Beach Bungalows Hotel, nestled on the picturesque North Hutchinson Island in sunny Florida. Welcome to the Adriana Montes Real Estate Show! Join us as we explore the beauty of Seahorse Beach Bungalows, a hidden gem just steps away from the ocean. This special episode showcases this amazing property, highlighting its beachfront vacation vibe, pet-friendly accommodations, and a wealth of outdoor activities. From beachcombing to stargazing, Seahorse Beach Bungalows offers the perfect retreat for families, friends, and pet lovers. Ready to plan your beachfront getaway? Visit SeahorseBeachBungalows.com to make your reservations today! Don't forget to follow Seahorse Beach Bungalows on LinkedIn, Twitter, Instagram, Facebook, and TikTok for the latest updates. Subscribe to Adriana Montes' YouTube channel and stay connected via her social media profiles for more exciting content. Florida Dreams Realty: www.floridadreamsrealty.com Contact Adriana Montes: 321-689-6258 | adriana@floridadreamsrealty.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com As we wrap up this exclusive tour of Seahorse Beach Bungalows, we want to thank you for joining us in discovering this slice of paradise. Whether you're seeking a relaxing vacation or a memorable event venue, Seahorse Beach Bungalows has it all. So seize the day and start planning your coastal adventure with us. Thank you for watching the Adriana Montes Real Estate Show!

Duration:00:17:30

The Adriana Montes Show Part 2

9/22/2023
Join us in paradise! Dive into the enchanting world of Seahorse Beach Bungalows on this exclusive tour, right here on your favorite social media platform. Welcome to Seahorse Beach Bungalows, where sun-kissed shores, swaying palm trees, and unparalleled relaxation await. In this video, we'll introduce you to our unique coastal haven in North Hutchinson Island, Florida. Discover our pet-friendly hotel, explore our stunning bungalows, and get a taste of the beachfront lifestyle that awaits you. Whether you're planning a romantic escape, a family vacation, or a special event, Seahorse Beach Bungalows has something extraordinary to offer. Ready to book your beachfront getaway? Visit SeahorseBeachBungalows.com now to reserve your slice of paradise! Don't forget to follow us on LinkedIn, Twitter, Instagram, Facebook, and TikTok to stay connected. Subscribe to our YouTube channel and keep up with Adriana Montes on her social media platforms for more exciting updates. Florida Dreams Realty: www.floridadreamsrealty.com Contact Adriana Montes: 321-689-6258 | adriana@floridadreamsrealty.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Your dream beach vacation starts here at Seahorse Beach Bungalows. Thank you for joining us on this virtual journey. Pack your bags and get ready to experience coastal living like never before!

Duration:00:14:16

The Adriana Montes Show -Part 1

9/22/2023
Join us for a virtual tour of Seahorse Beach Bungalows Hotel, right here on the Adriana Montes Real Estate Show! Get ready to immerse yourself in paradise and discover your next dream getaway. Explore the stunning Seahorse Beach Bungalows Hotel on North Hutchinson Island, Florida. This beachfront paradise offers pet-friendly accommodations, fully equipped units, and outdoor relaxation spaces. Each unit has its own unique charm, making it the perfect place for romantic getaways, family vacations, or a retreat from city life. Discover the beauty of coastal living with us! Leave a comment sharing your thoughts on this incredible beachfront property. Don't forget to hit that "Share" button and spread the coastal vibes with your friends! For more details or reservations, visit seahorsebeachbungalows.com or contact us at 321-689-6258. Florida Dreams Realty: www.floridadreamsrealty.com Contact Adriana Montes: 321-689-6258 | adriana@floridadreamsrealty.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Thank you for joining us on this virtual journey to paradise! We can't wait for you to experience the coastal magic of Seahorse Beach Bungalows Hotel. Subscribe for more exciting real estate adventures, and stay tuned for our next episode. Your perfect escape awaits!

Duration:00:10:16

Real Estate Roundtable With Katherine Peoples - Part 2

9/21/2023
Welcome to the Real Estate Round Table! Get ready for an eye-opening journey into the world of housing, property development, and securing grants for your very own ADU. Join us right here on YouTube! In this enlightening video part 2, we dive deep into the intricacies of Accessory Dwelling Units (ADUs), guided by the remarkable Katherine Peoples-McGill. She shares insights on ADUs, how to secure grants for them, and the incredible impact they can have on your financial future. Don't miss out on this game-changing opportunity! Leave your thoughts and questions in the comments below. Share this video with your friends and family who might benefit, and don't forget to hit that subscribe button to stay informed about more real estate insights! Website: www.hppcares.org Contact Katherine Peoples: 562-281-8861 | info@hppcares.org The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Thank you for joining us on this enlightening journey. Remember, your path to financial prosperity through ADUs begins here. Stay tuned for more empowering content from the Real Estate Round Table!

Duration:00:36:09

Real Estate Roundtable With Katherine Peoples - Part 1

9/21/2023
Welcome to "The Power Is Now Real Estate Round Table." I'm your host, Eric L. Frazier. Today, we have a special guest, Katherine Peoples McGill, the founder of HPP Cares, a HUD-approved housing counseling agency. We'll discuss how HPP Cares assists homebuyers, homeowners in need, and those interested in accessory dwelling units (ADUs). Katherine Peoples brings over a decade of nonprofit experience to HPP Cares, where they offer various programs, including homebuyer education, foreclosure prevention, credit improvement, and ADU support. We'll focus on ADUs today, addressing California's housing crisis and how ADUs can help. Website: www.hppcares.org Contact Katherine Peoples: 562-281-8861 | info@hppcares.org The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com For home-related assistance or ADU information, reach out to HPP Cares, a trusted HUD-approved agency. Connect with Katherine Peoples and her team for support and resources. Thanks for joining us. Stay tuned for insights into ADUs and how they can make a difference in California's housing landscape.

Duration:00:11:30

Vip Agent Testimonial - Walter Huff

9/18/2023
Elevate Your Real Estate Business with The Power Is Now Media! Meet Walter Huff, CEO of the Huff Home Ownership Legacy Team, as he shares how his real estate business has thrived with The Power Is Now Media's resources. Contact Walter Huff directly at 720-298-9095. Discover the video, podcast, magazine, and seminar tools that have transformed his real estate journey, all available in one place. Take your business to the next level and dominate your marketplace like never before. Learn more at thepowerisnow.com. Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com

Duration:00:05:40

The Adriana Montes Show With George Souaid Part 2

9/17/2023
Are you interested in the world of commercial real estate and want to know how it's evolving in 2023? Join us for this insightful interview with George Souaid from Pax Properties, hosted by Adriana Montes, CEO, and Broker Owner of L'Oreal Dreams Capital Group. In this engaging conversation part 2, George Souaid shares valuable insights about the impact of technology, e-commerce, and sustainability on the commercial real estate sector. Discover how industry leaders are adapting to changing consumer preferences and retaining tenants in the post-COVID era. Learn about the influence of globalization on the market, key considerations for international investments, and how diversity and inclusion initiatives are shaping the industry. Florida Dreams Realty: www.floridadreamsrealty.com Contact Adriana Montes: 321-689-6258 | adriana@floridadreamsrealty.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Stay informed and empowered with The Power Is Now Magazine - your resource for real estate news and expert insights. Subscribe for free at thepowerisnow.com.

Duration:00:21:51

Gsfa Journey To Homeownership with Tia And Toulue - Part 2

9/17/2023
Welcome back to the "Journey to Homeownership" series with Golden State Finance Authority and The Power Is Now TV Network! Today, we continue our inspiring conversation with Tia and Toulue, new homeowners in Sacramento, California. In this episode part 2, we dive deep into the details of their home purchase journey, discussing their down payment, financing, and the incredible assistance they received from GSFA's Platinum Program. Tia and Toulue share how they contributed over $20,000 towards their home purchase, saving an additional $2-$400 monthly. But what truly transformed their path to homeownership was the GSFA Platinum program, providing them with an additional $18,000 in down payment assistance! Golden State Finance Authority: www.gsfahome.org Contact Carolyn Sunseri: (855) 740-8422 | csunseri@rcrcnet.org The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Remember, knowledge is power, and the power is now! Stay tuned for more incredible stories of achieving the dream of homeownership.

Duration:00:14:39

The Adriana Montes Show With George Souaid -Part 1

9/17/2023
Join us for a captivating episode of the Adriana Montes Real Estate Show! Are you ready to explore the exciting world of commercial real estate? We've got all the insights you need, right here, right now. In this episode, Adriana Montes, CEO and broker-owner of Florida Dreams Capital Group, engages in a dynamic conversation with George Souaid from Pax Properties. George, an industry expert and dear friend, dives deep into the commercial real estate market, discussing trends, challenges, and opportunities. Discover how the landscape has evolved over the last two years and what to expect in 2023 and 2024. Don't miss this informative discussion! Engage with us by sharing your thoughts in the comments and stay tuned for more valuable insights. If you're an investor looking to embrace technology and sustainability in commercial real estate, keep watching! Florida Dreams Realty: www.floridadreamsrealty.com Contact Adriana Montes: 321-689-6258 | adriana@floridadreamsrealty.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Thank you for joining us on this enlightening journey through commercial real estate and technology. The future is bright, and it's time to seize new opportunities. Stay tuned for more episodes of the Adriana Montes Real Estate Show!

Duration:00:14:36

Gsfa Journey To Homeownership with Tia And Toulue - Part 1

9/17/2023
Are you ready for a heartwarming story of homeownership dreams coming true? Join us on the "Journey to Homeownership" with Golden State Finance Authority and The Power Is Now TV. In this episode part 1, meet Tia and Toulue from Sacramento, California, who realized their dream of owning their own home during the global pandemic. They share their incredible journey and what being homeowners means to them. Discover their personal stories, their journey to find the perfect home, and the joy of finally having a space to call their own. They also discuss the impact of low-interest rates and how they decided it was the perfect time to buy. Learn about the ups and downs of their homeownership journey and how it has positively affected their lives, their family, and even their beloved dog. Don't miss this inspiring conversation hosted by Carolyn Sunseri, Director of Marketing and Stakeholder Relations, and Eric L. Frazier, MBA, President and CEO of The Power Is Now Media. Golden State Finance Authority: www.gsfahome.org Contact Carolyn Sunseri: (855) 740-8422 | csunseri@rcrcnet.org The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Stay tuned for more incredible stories of homeownership and the opportunities that can change lives. Keep watching "The Journey to Homeownership series" brought to you by GSFA and The Power Is Now.

Duration:00:07:18

Homeownership Series 2023 With Farrah Wilder - Part 2

9/16/2023
Welcome to The Power Is Now's 2023 Homeownership Series! Join us in this eye-opening episode where we dive deep into the world of real estate with Farrah Wilder, a seasoned professional and industry leader. Discover the secrets to homeownership and wealth building. In this episode part 2, Farrah Wilder shares her inspirational journey, highlighting the crucial role of family support in achieving homeownership dreams. She also discusses the persistent challenges faced by various communities, addressing discrimination and bias in real estate. Gain valuable insights into overcoming these obstacles and learn the importance of financial planning. Ready to take charge of your financial future through homeownership Don't miss out on this must-watch conversation! Engage with us by leaving a comment, sharing this video with friends, and subscribing to our YouTube channel for more empowering discussions in our 2023 Homeownership Series. Farrah Wilder: www.farahwilder.com Contact Farrah Wilder: farah@farahwilder.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Thank you for joining us in this enlightening conversation. Your journey to homeownership and financial security starts here with The Power Is Now. Subscribe now and stay tuned for more empowering content in our 2023 Homeownership Series!

Duration:00:29:11

Homeownership Series 2023 With Farrah Wilder - Part 1

9/16/2023
Welcome to an insightful journey towards securing your financial future through homeownership. Join us in this enlightening video on "The Path to Financial Security: Homeownership." In this video part 1, we had the privilege of conversing with Farrah Wilder, an accomplished real estate professional with a fervor for diversity, fair housing, and equity and inclusion. Discover her remarkable journey to homeownership and the secrets behind building generational wealth through real estate. Farrah Wilder's story emphasizes the vital role of family support and collaboration in turning homeownership dreams into reality. She also sheds light on historical challenges faced by African Americans in the housing market, highlighting the ongoing wealth gap and discrimination. We invite you to engage with us. Leave your thoughts in the comments below, share this video with friends who are on their homeownership journey, and subscribe to our channel for more invaluable insights. Farrah Wilder: www.farahwilder.com Contact Farrah Wilder: farah@farahwilder.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Thank you for joining us in this exploration of the power Is Now homeownership in securing financial stability and opening doors for future generations. Stay tuned for more empowering conversations on "The Power Is Now." Your path to financial security begins now!

Duration:00:38:29

Doug Shepherd Testimonial

9/16/2023
Attention real estate professionals! Are you looking for an incredible opportunity to stand out in the competitive real estate market? Meet the owner-broker of Better Homes and Gardens Real Estate Champions, based right here in Riverside! In this video, Doug Shepherd shares an amazing tool called "Listing Shorts" provided by The Power Is Now and Eric Lawrence Frazier's team. This tool has revolutionized the way they promote and highlight their properties, not just locally but across the nation and around the globe. This incredible resource has opened up exciting possibilities for their real estate business, and they highly recommend it to fellow real estate professionals. If you're ready to set your business apart from the competition and enhance your property listings, it's time to get in touch with Eric Lawrence Frazier and The Power Is Now. Don't miss out on this fantastic opportunity! Contact Eric Lawrence Frazier today and take your real estate game to the next level. The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Join the ranks of successful real estate professionals who have harnessed the power of "Listing Shorts" to boost their business and showcase properties like never before. Elevate your real estate journey today!

Duration:00:01:01

Homeownership Series 2023 With Katherine Peoples - Part 2

9/15/2023
Welcome back to the Power Is Now 2023 Homeownership Series! If you're just tuning in, you're in for a treat. Today, we are joined by Katherine Peoples, CEO of HPP Cares, based in Long Beach, California. Her story is nothing short of inspiring, and it's all about homeownership and wealth building. Katherine Peoples's journey began at the age of nine, where she witnessed her mother's efforts to save their family home from foreclosure. That experience left a lasting impact on her, driving her to help others achieve homeownership. Fast forward to today, she's not just a homeowner; she's leading an organization dedicated to making homeownership a reality for others. Katherine Peoples's story is a testament to overcoming challenges, seizing opportunities, and building wealth through real estate. You won't want to miss this! Are you inspired by Katherine Peoples's journey? Share your thoughts in the comments below, and don't forget to hit that like button and subscribe for more empowering content. Website: www.hppcares.org Contact Katherine Peoples: 562-281-8861 | info@hppcares.org The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Thank you for joining us today, and remember, homeownership is within reach, and Katherine Peoples and her team at HPP Cares are here to help you make it happen!

Duration:00:34:28

Homeownership Series 2023 With Katherine Peoples - Part 1

9/15/2023
Join us as our host, Eric L. Frazier,inspiring episode featuring Katherine Peoples, CEO of HPP Cares—a HUD-approved housing counseling agency in Long Beach, California. In this episode part 1, Katherine Peoples takes us on her remarkable journey from a modest 200-square-foot studio apartment in LA to homeownership and leadership in the world of real estate. Discover how she conquered obstacles, harnessed opportunities, and created wealth through homeownership. Get ready to be motivated and informed by Catherine's incredible story and valuable insights! Website: www.hppcares.org Contact Katherine Peoples: 562-281-8861 | info@hppcares.org The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Engage with us: Leave a comment to share your thoughts, share this video with friends who need homeownership inspiration, and don't forget to subscribe for more empowering content.

Duration:00:26:34

Yvonne Mcfadden Real Estate Show

9/14/2023
Welcome to the Yvonne McFadden Real Estate Show! Are you ready to navigate a competitive seller's market and secure your dream home? Join us right here for expert tips and insights. In this episode, we're diving into 10 essential strategies for homebuyers in a seller's market. From offering above list price to optimizing your escrow period and understanding earnest money deposits, we've got you covered. Stay tuned for valuable insights from Eric Frazier, CEO of The Power Is Now, on mortgage approvals. Don't miss out on these game-changing tips! If you found these strategies helpful, please leave a comment below, share this video with your friends who are house hunting, and consider subscribing to our channel for more valuable real estate insights. Yvonne McFadden Realtor: www.YvonneMcFaddenRealtor.com Contact Yvonne McFadden: 480-628-2619 | jypllcaz@gmail.com The Power Is Now Media: www.thepowerisnow.com Contact Eric L. Frazier, MBA: 714-475-8629 | eric.frazier@thepowerisnow.com Thank you for tuning in to the Yvonne McFadden Real Estate Show. Your path to homeownership just got a whole lot smoother. Stay informed, stay inspired, and remember, your dream home is within reach!

Duration:00:28:40