NEW Bay Area Homes in 2025: What’s Coming & Where to Look!

NEW Bay Area Homes in 2025: What’s Coming & Where to Look!

🌟 Looking to Buy a New Construction Home in the Bay Area in 2025? 🏡

From stylish condos to elegant townhomes and luxurious single-family homes, I’ve got the ultimate guide to finding your perfect new home! 🚪✨

In 2024, I helped over 60 families make their real estate dreams a reality. Now, I’m here to help YOU navigate the top new construction communities across the Bay Area, including Morgan Hill, Saratoga, Cupertino, Gilroy, Walnut Creek, and more.

Here’s what you’ll discover in this video:

✅ The best Bay Area communities for new construction.

✅ Pricing insights for condos, townhomes, and single-family homes.

✅ Insider builder tips to save you time and money.

✅ Why working with an experienced Realtor can make all the difference—at no extra cost to you!

✨ Whether you're looking for affordable options or luxurious builds, let’s create a personalized plan to help you buy, sell, or invest in 2025.

📩 Message me today to start your journey to your dream home!

Avsnitt(362)

Biden is SAVING homeowners who CAN'T PAY MORTGAGE! | Bay Area Real Estate Market Report January 22, 2021

Biden is SAVING homeowners who CAN'T PAY MORTGAGE! | Bay Area Real Estate Market Report January 22, 2021

Every week at 12 PM PST, I analyze the news and data that can affect the Bay Area Real Estate Market. Tune in weekly and email me anytime if I can help! spencer@spencerhsu.com.Topics covered for the week:Prop 19 hopes to increase supply of CA homes for sale (1:04)San Jose, S.F. lead nation in plunging rent - while inland California sees most price growth (3:29)Biden's executive order will extend foreclosure moratorium (4:45)Mortgage forbearance rate continues to drop (6:32)In defense of the individual real estate agent (8:41)Latest Market Data for all counties in the Bay Areahttps://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing13:37 San Mateo County14:43 Santa Clara County16:32 Alameda County17:16 Contra Costa County🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtor🌍Find your dream Bay Area home https://www.homesbyspencerhsu.com/​🎙️Listen to my podcast: https://bit.ly/3bJx88​📸Follow me on Instagram: https://bit.ly/2YpPQNJ🧑‍💼Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu/​🛎Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/2Fvk41fbD6kiRtHt5🏠💲Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMWBorn and raised in the Bay Area, I spent 11 years in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. $41M+ YTD in happy transactions!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493EXP Realty DRE #02077253#bayarearealestate #TechRealtor

22 Jan 202119min

Biden’s $1.9 Trillion Plan Breakdown | Bay Area Real Estate Market Report January 15, 2021

Biden’s $1.9 Trillion Plan Breakdown | Bay Area Real Estate Market Report January 15, 2021

Every week at 12 PM PST, I analyze the news and data that can affect the Bay Area Real Estate Market. Tune in weekly and email me anytime if I can help! spencer@spencerhsu.com.Timestamps:  San Mateo County 19:40Santa Clara County 20:22Alameda County 21:40Contra Costa County 21:53Topics covered for the week:Biden stimulus plan: Details on checks, unemployment, minimum wage announced5 Breathtaking Numbers Reveal The Unsettling Cost Of StimulusStimulus price tag: $2.8 trillion - Dec. 20, 2010Residential brokerage Compass files for IPOFacebook proposes focused revamp of Willow Village in Menlo ParkEmeryville Public Market bought, will be converted to biotech space - San Francisco Business TimesSan Francisco Office Market Plummets As Companies Go RemoteNew-year optimism reflected in mortgage applications jumpNew year sees 2.74 million loans in forbearanceLatest Market Data for all counties in the Bay Areahttps://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtor🌍Find your dream Bay Area home https://www.homesbyspencerhsu.com/​🎙️Listen to my podcast: https://bit.ly/3bJx88​📸Follow me on Instagram: https://bit.ly/2YpPQNJ🧑‍💼Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu/​🛎Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/2Fvk41fbD6kiRtHt5🏠💲Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMWBorn and raised in the Bay Area, I spent 11 years in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. $41M+ YTD in happy transactions! Spencer Hsu, MBA Tech Realtor Spencer@SpencerHsu.com (408)223-5493 EXP Realty DRE #02077253 #bayarearealestate #TechRealtor

15 Jan 202125min

US Home Prices hit 14 year high | Bay Area Real Estate Market Report January 8, 2021

US Home Prices hit 14 year high | Bay Area Real Estate Market Report January 8, 2021

Every week at 12PM PST, I analyze the news and data that can affect the Bay Area Real Estate Market. Tune in weekly and email me anytime if I can help! spencer@spencerhsu.com.Topics covered for the week:San Francisco rent closes out the year down 27%https://www.sfgate.com/realestate/article/SF-rent-closes-out-the-year-down-27-15845136.phpThe Bay Area's pandemic 'exodus' is real and led the country in 2020, says U-Haulhttps://www.radio.com/kcbsradio/news/local/u-haul-bay-area-pandemic-exodus-led-the-country-in-2020UCSF’s expanded plan for its Parnassus campus draws oppositionhttps://www.msn.com/en-us/money/realestate/ucsf-s-expanded-plan-for-its-parnassus-campus-draws-opposition/ar-BB1ctsKj?ocid=hplocalnewsMortgage rates drop even lower to new record of 2.65%https://www.housingwire.com/articles/mortgage-rates-drop-even-lower-to-new-record-of-2-65/U.S. home prices hit 14-year high in Octoberhttps://www.housingwire.com/articles/u-s-home-prices-hit-14-year-high-in-october/Latest Market Data for all counties in the Bay Areahttps://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtor🌍Find your dream Bay Area home https://www.homesbyspencerhsu.com/​🎙️Listen to my podcast: https://bit.ly/3bJx88​📸Follow me on Instagram: https://bit.ly/2YpPQNJ🧑‍💼Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu/​🛎Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/2Fvk41fbD6kiRtHt5🏠💲Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMWBorn and raised in the Bay Area, I spent 11 years in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. $41M+ YTD in happy transactions! Spencer Hsu, MBA Tech Realtor Spencer@SpencerHsu.com (408)223-5493 EXP Realty DRE #02077253 #bayarearealestate #TechRealtor

8 Jan 202118min

Waymo expands in Mountain View | Bay Area Real Estate Market Report January 1, 2021

Waymo expands in Mountain View | Bay Area Real Estate Market Report January 1, 2021

Every week at 12 PM PST, I go over news that can affect Bay Area Real Estate. I analyze the news and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and email me anytime if I can help! spencer@spencerhsu.com.Topics covered for the week:Waymo expands in Mountain View in one of 2020’s biggest Bay Area leaseshttps://www.sfchronicle.com/business/article/Waymo-expands-in-Mountain-View-in-one-of-2020-s-15820442.phpNew Life Sciences Campus Planned for California’s Bay Areahttps://www.biospace.com/article/new-life-sciences-campus-planned-for-california-s-bay-area/Where the San Francisco Bay Area rent market stands at the outset of 2021https://www.sfchronicle.com/bayarea/article/Renters-fled-S-F-and-the-Bay-Area-in-2020-15820765.phpHow record-low mortgage rates changed everything in 2020https://www.housingwire.com/articles/how-record-low-mortgage-rates-changed-everything-in-2020/Bay Area home prices maintained record in November, despite out-migrationhttps://www.sfchronicle.com/business/networth/article/Bay-Area-home-prices-maintained-record-in-15811857.phpSEC alleges Bay Area 'mega village' real estate mogul scammed investorshttps://www.sfgate.com/local/article/Mega-village-Bay-Area-real-estate-mogul-15822545.phpLatest Market Data for all counties in the Bay Areahttps://docs.google.com/spreadsheets/d/1P5T3T4doU9vutLotcKnZ0WCZahU0nvKn1khR-QQsrTI/edit?usp=sharing🗓 Want to schedule a time for a free consultation? Find a time that works for you! https://www.calendly.com/techrealtor🌍Find your dream Bay Area home https://www.homesbyspencerhsu.com/​🎙️Listen to my podcast: https://bit.ly/3bJx88​📸Follow me on Instagram: https://bit.ly/2YpPQNJ🧑‍💼Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu/​🛎Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/2Fvk41fbD6kiRtHt5🏠💲Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMWBorn and raised in the Bay Area, I spent 11 years in Startup Technology Sales before becoming a full-time Realtor. Having personally invested and done renovations in the Bay Area, I wanted to help busy colleagues in the Bay Area technology industry find their dream home by leveraging tech, data and insights. I specialize in educating my clients on the process of buying, selling, and investing in the Bay Area. $41M+ YTD in happy transactions!Spencer Hsu, MBA Tech RealtorSpencer@SpencerHsu.com(408)223-5493EXP Realty DRE #02077253#bayarearealestate #TechRealtor

1 Jan 202124min

Tech giant Oracle leaves the Bay Area - Real Estate Market Update

Tech giant Oracle leaves the Bay Area - Real Estate Market Update

2021 Will be the year of the tech enabled agent | Bay Area Real Estate Market Report December 18, 2020https://www.housingwire.com/articles/2021-will-be-the-year-of-the-tech-enabled-agent/Amazon spend $200 million on San Francisco sitehttps://www.sfchronicle.com/business/article/Amazon-spends-200-million-on-S-F-site-for-15801880.phpOracle move headquarters from Redwood City to Austinhttps://www.sfchronicle.com/business/article/Oracle-to-move-headquarters-from-Redwood-City-to-15795539.phpLake Tahoe and Mountain House are on the 2021 hottest neghbourhoods listhttps://www.pressdemocrat.com/article/news/lake-tahoe-and-mountain-house-calif-are-2-of-the-hottest-neighborhoods-f/?ref=TSMPresidio Bay to remake Peninsula Honda dealership into life sciences buildinghttps://www.bizjournals.com/sanfrancisco/news/2020/12/10/honda-presidio-bay-ventures-science-san-carlos.htmlFed will keep interest rates low until economy recovershttps://www.housingwire.com/articles/fed-will-keep-interest-rates-low-until-economy-recovers/Mortgage applications rebound as mortgage rates drophttps://www.housingwire.com/articles/mortgage-applications-rebound-as-mortgage-rates-hit-survey-low/If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today!📧Spencer@spencerhsu.com📞 (408) 547-4590⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW--My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money!Spencer Hsu, MBA, RealtorSpencer@SpencerHsu.com408-547-4590EXP Realty DRE #02077253https://www.homesbyspencerhsu.com/#BayAreaRealEstate

18 Dec 202020min

Luxury Home Sales Skyrocket | Bay Area Real Estate Market Report December 11, 2020

Luxury Home Sales Skyrocket | Bay Area Real Estate Market Report December 11, 2020

Every week, I go over news that can affect Bay Area Real Estate. I look into news and data that can affect the Silicon Valley Real Estate Market. Tune in weekly and ask me anything!Home prices around the Bay Area Skyrocket | Bay Area Real Estate Market Report December 11, 2020https://www.sfchronicle.com/realestat...https://www.kqed.org/news/11850203/fa...https://www.kcra.com/article/sacramen...https://www.bizjournals.com/sanjose/n...https://www.capradio.org/articles/202...https://www.sfchronicle.com/business/...https://www.housingwire.com/articles/...https://www.housingwire.com/articles/...https://www.housingwire.com/articles/...If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today!📧Spencer@spencerhsu.com📞 (408) 547-4590⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW--My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money!Spencer Hsu, MBA, RealtorSpencer@SpencerHsu.com408-547-4590EXP Realty DRE #02077253https://www.homesbyspencerhsu.com/#BayAreaRealEstate

12 Dec 202021min

How to get started in Real Estate in the Bay Area | Bay Area Real Estate Tips #31

How to get started in Real Estate in the Bay Area | Bay Area Real Estate Tips #31

The Bay Area is one of the most attractive places to live and work in the US. Boasting various job opportunities, sightseeing and natural beauty. The Bay Area is also host to a healthy market and a thriving local economy. All of this makes it an excellent place for potential real estate investors to start buying property and building up a portfolio. I get asked a lot, “How can someone get started investing in Bay Area real estate with no prior experience with investing? Isn't it too expensive?" In this video, I hope to clarify the process of getting into real estate and answer this frequently asked question.The first step for anyone who doesn't own property or a home and is interested in investing is, to get pre-approved by a lender and a primarily a local lender. The pre-approval process involves credit checks and research of your financial history, which will help the lender to understand what you can buy up to.Once you're pre-approved, you're free to begin looking for places to invest in within the Bay Area. That's when individuals and buyers sync up with myself to get that conversation going and to create your own search parameters.So that leads us to the next question, “If you aren't a home owner already, what's your best option to getting into investing?" House hacking is the best arbitrage you can make because it means that your tenants are essentially paying your mortgage for you, at the same time, you get the benefits of owning a home. If you already own a home and want to consider another home, you can now think about purchasing a rental property.The beauty of the Bay Area and the strategy, has always been the long-term appreciation. The Bay Area gives you an idea has gone up 6% a year on average over the last 30 to 40 years. This is the highest across the country. With the high paying jobs, limited space for growth and difficulty to do construction, these factors make the properties in core Bay Area locations, extremely valuable.Even though getting into real estate investment might seem a bit intimidating, don't let that stop you and don't psych yourself out before you begin. Purchasing real estate in a prime area like the Bay area is a wise choice for your financial future. If you choose your property and location well, you could expect to see returns on your investments for years to come. Think about Palo Alto. Did you know that Palo Alto has 50% renters? What's even more interesting is that, that means several people in Palo Alto own multiple homes. So you can see how they think and how they have accrued and amassed so much wealth.Hopefully this video helped enlighten you about the process of getting into real estate with an investment mindset.--If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today!📧Spencer@spencerhsu.com📞 (408) 547-4590⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW--My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money!Spencer Hsu, MBA, RealtorSpencer@SpencerHsu.com408-547-4590EXP Realty DRE #02077253https://www.homesbyspencerhsu.com/#BayAreaRealEstate

9 Dec 20203min

City of Fremont | New Bay Area Development Projects #5

City of Fremont | New Bay Area Development Projects #5

With this series, we will be looking over what developments are happening in every city across the Bay Area. Many of you that are local here see projects and construction happening but did you know that most cities have plans to redevelop areas over the next decade? Let’s dive into Santa Clara! Santa Clara has some of the most ambitious plans for all of the Bay Area.Over its 50+ year history, Fremont has evolved from an agricultural township to the metropolitan city it is today. When the City incorporated in 1956, its boundaries included five established small towns: Centerville, Irvington, Mission San Jose, Niles and Warm Springs, made up of thousands of acres of farmland, open hills, salt ponds, and marshes. The five original towns have grown and been joined together by new neighborhoods and business districts.Fremont is now the second largest city in Alameda County and the fourth largest city in the San Francisco Bay Area. The city covers approximately 57,000 acres, which includes 7,400 acres of water and salt ponds located in San Francisco Bay and 49,600 acres of land. About 45 percent of the land area is permanent open space, including hillside and wetland preserves, grazing land, cemeteries, regional parks and trails, and city parks. About 26 percent is dedicated to streets, railroads, freeways, public facilities, and public rights of way. The remaining 29 percent consists of land designated for residential, commercial, and industrial uses, with residential uses representing a majority of the acreage.So where is development happening? There are 4 main areas. There is the Centerville, Central Fremont, Irvington, and Warm Springs sections that are the focus. 3 of these sections are around the BART stations and future Irvington BART stationOne of the longest development projects in the pipeline is the new Irvington Bart Station. It will be located in the Irvington District at the intersection of Washington Boulevard and Osgood Road, approximately halfway between the existing Fremont BART Station and the Warm Springs/South Fremont BART Station. This development was first approved by the BART Board in 1992, but due to insufficient funding, development was delayed until county voters passed a measure to specifically include funding for it in 2014. The anticipated construction is estimated to begin in 2022 and projected to be open in 2026. If we have seen the previous time schedules, don’t be surprised with further delays!Let’s take a look at the housing side. Warm Springs is where most of the developments are happening right now. One of the areas is the Warm Springs Village Master plan which is built mostly by Toll Brothers. This area will house up to 1,000 residential units. Homes are currently available and are priced between $750,000 for a 1 BR all the way up to $1.55M for a 3BR.The other area is for Lennar homes. They currently have homes available for move in and will be building at least for several years since they plan to build 2,200 units. They currently are releasing phase 1 which already has hundreds of people moved in. Check out my video here as the current area is called Innovation. Prices range from $842,000 to $1.2M and are all townhome styles.I hope this was helpful to see what is coming down the pipeline in amazing Fremont. Leave a comment with what you think and if there are any cities I should cover next!--If you’re interested in buying, selling, or investing in residential or commercial real estate in the 📍SF Bay Area, contact me today!📧Spencer@spencerhsu.com📞 (408) 547-4590⏰ Set up a time to chat: https://calendly.com/spencerhsure🌍 Find your dream Bay Area home https://www.homesbyspencerhsu.com/🎙️ Listen to my podcast: https://redcircle.com/shows/bayarearealestate📸Follow me on Instagram: https://www.instagram.com/spencerhsure🧑‍💼 Let's connect on LinkedIn: https://www.linkedin.com/in/spencerhsu🛎 Don’t forget to subscribe for the latest real estate tips and updates: https://forms.gle/c5xkznHLTBh7Yzgi7🏠💲 Track the value of your home and see if it's beneficial to refinance! http://bit.ly/3aFdyMW--My Background: Born and raised in the Bay Area, I spent 11 years as Technology Sales Manager before becoming a Realtor. Having personally invested and done renovations through house flips in the Bay Area, I wanted to help busy professionals in the Bay Area tech industry find their dream home by leveraging tech, data and local insights. Our team specializes in creating trusted frameworks of buying, selling, and investing in the Bay Area. In 2022, we are thrilled to share that we have helped 80 clients in the Bay Area with their moves, which positions our team as the Top 1% groups in the country. Looking forward to helping you into your next home and save/earn you more money!Spencer Hsu, MBA, RealtorSpencer@SpencerHsu.com408-547-4590EXP Realty DRE #02077253https://www.homesbyspencerhsu.com/#BayAreaRealEstate

3 Dec 20206min

Populärt inom Business & ekonomi

badfluence
framgangspodden
varvet
rss-borsens-finest
uppgang-och-fall
rss-svart-marknad
svd-ledarredaktionen
rss-dagen-med-di
avanzapodden
fill-or-kill
lastbilspodden
24fragor
rss-kort-lang-analyspodden-fran-di
rss-inga-dumma-fragor-om-pengar
borsmorgon
rss-en-rik-historia
bathina-en-podcast
affarsvarlden
rikatillsammans-om-privatekonomi-rikedom-i-livet
kapitalet-en-podd-om-ekonomi