Donnie Powell is a seasoned Mortgage Loan Originator, bringing decades of high-level financial and market experience to every client relationship. With a background rooted in trading, capital markets, and institutional finance, Donnie has a deep understanding of how market conditions, pricing, and timing impact financial decisions—an advantage he now leverages to guide clients through the mortgage process with confidence.
Throughout his career, Donnie has worked closely with a wide range of clients, from individual borrowers to high-net-worth investors, developing a strong ability to assess complex financial scenarios and deliver tailored solutions. His experience navigating fast-paced, highly regulated environments has sharpened his attention to detail, risk management, and execution—skills that translate directly into smooth, efficient loan closings.
Donnie is known for his hands-on approach, clear communication, and commitment to finding the right loan strategy for each client’s unique goals. Whether assisting first-time homebuyers, refinancing homeowners, or seasoned investors, he takes the time to educate and guide clients every step of the way.
Licensed across securities trading, supervision, and capital markets (Series 7, 57, 24, 21, 25, 63), he bridges institutional finance with real estate and credit to originate, structure, and scale investment opportunities. With a strong analytical background and a client-first mindset, Donnie is dedicated to making the mortgage process straightforward, strategic, and successful.
An HBR Executive Live conversation with Lyft CEO David Risher. by Adi Ignatius
April 29, 2026
Lyft CEO David Risher has said that 2026 will be a “transformational” year for the company, as it introduces autonomous vehicles and looks to evolve from a ride-sharing app to a “global hybrid transportation platform.”
If you’re planning a trip to Disney parks, Sam’s Club will be offering a 10% discount on gift cards. You will be able to purchase up to $1,000 in gift cards for $900 online. Check out more details below.
Offer Details
Buy a $500 Disney Gift Card for $450.
Limit 2 per member.
Offer valid April 29- May 31, 2026.
OFFER LINK
Guru’s Wrap-up
A 10% discount on Disney Gift Cards is as good as it gets. Disney is expensive in general, so any discount helps. You can also check out the best shopping portals for Sam’s Club purchases to maximize your savings.
HT: DoC
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The last 1–2 years have been confusing for many stock market investors.
Global conflicts, tariff wars, rising crude oil prices, and uncertainty in the economy have created fear among investors.
Because of this, many people have started losing confidence in the stock market.
But what does the data actually say?
In this video, we analyze:
• Why the stock market has been moving sideways
• How government spending affects corporate earnings
• The relationship between interest rates and asset prices
• Why real estate boomed after 2002 in India
• How bond yields influence stock market valuations
• What Nifty PE ratio tells us about current market valuation
• Why crises sometimes create the best investment opportunities
History shows that when most people lose interest in an asset class, that is often when long-term opportunities start building.
This video explains the economic logic, historical data, and market behavior behind such situations in a simple and practical way.
⚠️ Disclaimer:
This video is for educational purposes only. The views expressed are personal opinions based on publicly available information. Investments are subject to market risks. Past performance does not guarantee future returns.
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This video is created for educational and informational purposes only.
It is not a recommendation to buy, sell, or hold any stock, mutual fund, or financial product.
I am not a SEBI-registered Research Analyst or Investment Adviser, and this content should not be considered as investment advice.
Please consult a SEBI-registered professional before making any financial decisions.
Investing in the stock market is subject to market risks. Do your own research before investing.
Ever since Google was founded in 1998, search has been the core of the company’s identity. For much of that time, search has also been the engine (no pun intended) driving Google’s business.
On Wednesday, that began to change.
The company’s cloud computing business was the undisputed star of parent company Alphabet’s first-quarter earnings, posting an eye-popping 63% revenue growth from the prior year, for a total of $20 billion.
AI is of course what’s driving the booming growth in the Google Cloud business, as CEO Sundar Pichai and other company executives noted on the earnings call. And investors were delighted, sending shares of Alphabet up 7% in after hours trading.
But lost in the excitement of the moment is something more fundamental: Google Cloud now represents 18% of the company’s overall business. It’s perhaps just one quarter or two more quarters away from comprising one-fifth of the Google empire—something that would have been unthinkable a few years ago.
At this time last year, Google Cloud represented 13.6% percent of Alphabet’s total revenue. In the first quarter of 2024, Cloud was just 11.8%.
Alphabet
Advertising has always been the center of gravity for Google, with its high-margin and recession-proof search ads at the top of a mountain that includes YouTube video ads, display ads that Google distributes to other sites, and ads that appear in Google’s portfolio of popular properties like Gmail and Maps.
It’s not that Google’s ads business is in any danger of going away. Ads generated $77 billion in the first three months of the year, up roughly 16% year-over-year. That’s more revenue than American Express generated in all of 2025. And many Google-watchers believe that AI will only enhance the company’s capacity to serve ads to searchers.
But the cloud business has reached an inflection point where it’s no longer just a cute sideshow. In addition to the revenue growth, Google’s cloud’s operating income tripled from the year-ago period to $6.6 billion. More impressive still, the cloud business operating margin expanded from 9.4% a year ago to 32.9% in Q1.
The blooming of the cloud business is likely to have a significant impact at Google beyond the income statement. The cloud business is run by enterprise sales people in suits like Cloud boss Thomas Kurian, an Oracle veteran. It’s a completely different culture than the rest of Google, where sandal-wearing engineers, product managers, and media types set the tone. How that cultural contrast plays out inside the company in the quarters and years ahead will be fascinating to watch, especially when the time comes to choose a successor to Alphabet CEO Sundar Pichai.
Of course, the main factor that will determine how big the Cloud business becomes is AI. Right now, customer demand for AI is insatiable (Google Cloud’s current backlog is $460 billion) and Google’s cloud business is rising along with it. If the AI train suddenly comes to a halt, or even slows—which many observers think could happen—Google’s cloud business could find itself back in second class.
Idaho’s State Board of Education approved tuition increases of 4.4% to 4.7% across the state’s four-year public universities on April 28 — the largest hikes in three years and a likely preview of broader public-system increases for fall 2026.
Why It Matters: After a three-year tuition freeze and two years of smaller hikes, Idaho schools are restoring price growth to address inflation, salaries, and benefits. Boise State will collect roughly $8.3 million of the additional $17.6 million in revenue. The increases come even as state officials warn that price hikes could discourage enrollment.
The Numbers
Boise State University: 4.5% increase to $9,789 tuition
Idaho State University: 4.7% increase to $9,339 tuition
University of Idaho: 4.5% increase to $9,825 tuition
Lewis-Clark State College: 4.4% increase to $8,226 tuition
Nationally, colleges are projected to increase tuition by 3.25% on average.
Broader Pattern: Nevada has approved hikes of up to 12% at four-year institutions and 9% at two-year colleges, citing budget shortfalls. Georgia raised in-state tuition 1%, with a 3% hike for out-of-state and international students.
A Deloitte report flagged growing financial stress at U.S. colleges driven by declining enrollment, demographic shifts, and federal aid changes.
Why Colleges Are Raising Prices: Three forces are converging:
Pandemic-era flat tuition has compressed budgets
Inflation has hit operating costs
Federal aid policy under OBBBA is reshaping revenue assumptions
State boards that protected students during Covid are now releasing pent-up cost pressure.
What Families Should Know: For families with a student starting college in fall 2026, the sticker price they saw at admission may not match the bill. Run a refreshed cost of attendance estimate against current 529 balances, expected aid, and the new Parent PLUS caps that take effect this summer.
How This Connects: The College Investor’s analysis of why college is so expensive points to five forces behind rising costs — including reduced state appropriations, higher cost of student services, and labor pressure. Idaho’s hike is consistent with the national trend the College Board’s Education Pays 2026 (PDF File) report earlier this year, which still shows a college degree paying off but at higher upfront costs.
A lunch meeting between once bitter adversaries turned into a business agreement that few in the mortgage industry saw coming this week.
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Now aligned on the same side, United Wholesale Mortgage CEO Mat Ishbia and longtime Rocket executive Mike Fawaz raised eyebrows with their eye-opening new alliance that provides a big boost and opportunity for scale to the company newly founded by the latter.
With the launch of new broker firm Origna8, Fawaz also rolls out a technology platform he hopes to create a community of like-minded peer third-party originators. Among the first people in the mortgage industry he chose to partner with was UWM’s Ishbia, the man he once referred to as a “bully” while serving as executive vice president at Rocket’s wholesale business.
The partnership’s origins
Fawaz’s initial outreach caught Ishbia by surprise, the UWM CEO admitted.
“I give him credit. I thought to myself, ‘Would I do that?” Could I be open to something different?” he said in a joint interview with National Mortgage News.
“What I give him credit for is, he said, ‘I’ve been on one side of this and learned and built Rocket and done a great job over there for a long time. I want to learn what the other side has.”
The first meeting came through a mutual friend, who suggested it to Fawaz. “I think he thought I wouldn’t do it,” Origna8’s founder said.
“After having lunch with Mat and walking away and then getting to understand what they’re building, it was the obvious choice. We’re very aligned with how Mat thinks about the industry and what he’s trying to do. I think this comes as a surprise, and I’ve seen some of the people saying, ‘Wow, what a change of heart,'” Fawaz said.
Origna8’s development and focus
Fawaz’s new company will be working with multiple lenders, but as the largest wholesale originator in the country, UWM was a company he said he needed to explore a partnership with, both as a broker and tech startup.
“At some point in your life, you have to take a step back and look at everything,” said Fawaz, who worked at Rocket for 15 years.
“I can tell you right now; I am in full support, and we’re going to run and build something great together,” he said about the UWM relationship.
Described by Fawaz as an all-in-one platform, Origna8 contains a customer-relationship management platform and both loan-origination and point-of-sale systems housed within and backed with artificial intelligence capabilities. Also included is a dialer as well as a lead-generation platform.
Following his decision to leave Rocket Pro earlier this year, Fawaz and a team of engineers created the platform within 45 days, he claimed. Leading the new company as CEO is longtime technology executive Dan Sogorka, the former general manager of Rocket Pro, who also exited the company in February.
Beyond its use as a broker or technology tool, Origna8 is expected to also become a community-building resource for the right partners, Fawaz said. “We’re going to bring the right partners on, whether you’re a broker, lender. But you become a member of this community. If you’re a member of this community, you’ll be able to take advantage of all these services.”
Since announcing the launch earlier this week, Fawaz said he has already fielded approximately 1,900 queries.
Regarding the departure of its two former executives and their decision to cooperate with UWM, Rocket said it was intent on building out on the success of its own third-party platform, saying it had “never been more energized” about wholesale lending operations.
“We’re aware of Origna8, but our focus is on the momentum we’ve built since Dan and Mike’s departure,” a Rocket Pro spokesperson said in a statement.
“We’re doubling down on this business and redefining what it means to be a wholesale lender.”
In a long-running feud between the two Detroit-area lenders that goes back several years, occasionally spilling outside of the mortgage arena into sports and local clout, Ishbia frequently targeted Rocket and its former CEO Dan Gilbert both in public statements and business strategy.
In what was likely the most controversial move of the dispute, UWM told brokers in 2021 that it would no longer purchase loans from those who also worked with Rocket or Fairway Independent Mortgage Corp. Violations of the directive, known as the all-in initiative, has led UWM to lodge several lawsuits against broker firms, with courts largely ruling in its favor.
Cooperation now between Fawaz and Ishbia, includes the sharing of resources that they think will benefit both leaders’ ambitions, they said.
“We have some proprietary tech, but we’re also using some of our lenders, including UWM. They have an incredible tech stack,” Fawaz remarked. “They’ve opened the doors for us to be able to API into some of these things and communicate back and forth and do our work efficiently.”
In working with Fawaz, Ishbia said he was following the same strategy he always employed. “I partner with the right people to be successful, and Mike’s going to be extremely successful, whether he was working with me or not,” Ishbia said.
“I think I can help him scale bigger and better and stronger, and I’m excited to help him, just like I do with 12,000 other mortgage brokers.”
A physician I know well told me something recently that stuck with me. He said, “Everything in my life is fine. Good income. Good family. Good job. So why do I feel like I’m just keeping the machine running?”
He wasn’t burned out. He wasn’t struggling. He was succeeding by every measure anyone would use to evaluate his life. And yet.
I knew exactly what he meant, because I’ve felt it too. That quiet gap between a life that looks right and a life that feels right. Where everything is stable, but nothing is moving forward. Where you’re maintaining, but you’re not building.
That gap is where most high-performing physicians live. And very few people talk about it honestly.
Disclaimer: This article is for informational and educational purposes only and does not constitute financial, legal, or investment advice. Any investment involves risk, and you should consult your financial advisor, attorney, or CPA before making any investment decisions. Past performance is not indicative of future results. The author and associated entities disclaim any liability for loss incurred as a result of the use of this material or its content.
Most doctors keep waiting for life to calm down before they take the next step.
The Leverage & Growth Accelerator Community helps physicians build momentum with expert-led sessions, real examples, and a community that makes progress feel possible.
If you’re feeling stuck, this is where to start.
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The Maintenance Trap
Medicine trains you to maintain. Show up. Execute. Repeat. The system rewards consistency, not creativity. And for a long time, that feels like enough. You’re earning well, your family is comfortable, you’re respected in your field.
But somewhere around year seven or ten, something shifts. You start noticing that the work doesn’t challenge you the way it used to. The problems are the same. The schedule is the same. The ceiling is the same. You’ve mastered the role, and now you’re just running the plays.
This is what I think gets mislabeled as burnout. For most physicians I talk to, the issue isn’t that they’re exhausted. It’s that they’re understimulated. They trained for a decade to solve complex problems, and now they’re in a system that doesn’t ask them to think that way anymore.
The restlessness isn’t a warning sign. It’s a signal that you’re ready for more.
What “More” Actually Looks Like
I want to be specific here, because “more” can sound like hustle culture if you’re not careful. I’m not talking about working harder or adding more to your plate.
I’m talking about building something that’s yours. Something that stretches you in ways clinical medicine stopped doing years ago. Something that gives you new skills, new income streams, and new ways to think about what your life could look like.
For some physicians, that means investing in real estate. For others, it’s launching a business or building a course. For others, it’s redesigning how they practice medicine itself, going concierge, starting a DPC, or building a private practice that actually reflects how they want to care for patients. And for many, it’s a combination.
The specific vehicle matters less than the shift: from maintaining someone else’s system to building your own.
I’ve watched this firsthand. I’ve seen physicians go from zero passive income to replacing half their clinical earnings in a few years. I’ve also seen physicians completely transform their practice model and end up working fewer hours, earning more, and spending more time with their patients. Not because they found a shortcut, but because they put themselves in the right environment, learned the right skills, and took consistent action.
Every one of them told me the same thing: the money was great, but what really changed was how they felt. They had energy again. They were thinking about problems that excited them. They felt like they were building something, not just clocking in.
The Identity Shift That Changes Everything
Here’s what I’ve learned about myself through this process. When I only had one identity, every problem in that one domain felt enormous. A bad interaction with hospital admin didn’t just ruin my day. It made me question my whole career.
Once I started building outside of medicine, something unexpected happened. I became a better doctor. Not because I learned some new technique, but because the pressure was off. I could show up to clinical work with a clear head. I could say no to the things that didn’t serve me. I could practice because I wanted to, not because I had to.
One day I’m in doctor mode. The next day I’m working on a business. The next day I’m coaching my kid’s soccer team. Having multiple identities doesn’t dilute who you are. It makes you more resilient. No single bad day can define your whole life when your life isn’t built on a single thing.
That’s the real unlock. Not escaping medicine. Expanding beyond it.
Why Environment Matters More Than Willpower
Most physicians who feel this restlessness try to solve it alone. They read a book, listen to a podcast, maybe open a brokerage account. And then life gets busy, the momentum fades, and they’re back to maintaining.
I’ve done this too. What changed for me wasn’t a strategy or a course. It was getting into a room with people who were actually doing it. Physicians who were building businesses, investing intentionally, redesigning their practices, and designing their weeks instead of just surviving them. That proximity changed my standards, my pace, and my belief in what was possible. There’s a reason every physician I know who’s achieved financial freedom points to community as the thing that made the difference. You learn faster. You get honest feedback. You stay accountable. And you stop feeling like the only person in your hospital who wants something different.
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From Maintaining to Building
If anything in this piece resonated, I want you to ask yourself one question: what would be different about your life in two years if you stopped maintaining and started building?
Not a dramatic exit. Not a reckless leap. Just a deliberate shift toward expanding what your life includes.
That’s what the Leverage & Growth Accelerator is built around. Over 600 physicians who are starting, growing, and scaling businesses alongside medicine, or redesigning how they practice it entirely. Live expert sessions, group coaching, a resource library, and a community that holds you to a higher standard than you’d hold yourself.
You can try it free for 30 days. No pitch after that, just a decision about whether it fits.
Because the question was never whether your life is good. The question is whether you’re building it on purpose.
Were these helpful in any way? Make sure to sign up for the newsletter and join the Passive Income Docs Facebook Group for more physician-tailored content.
Peter Kim, MD is the founder of Passive Income MD, the creator of Passive Real Estate Academy, and offers weekly education through his Monday podcast, the Passive Income MD Podcast. Join our community at the Passive Income Doc Facebook Group.
GrubHub is launching a promotion called ‘Gold Days Of GrubHub’ from May 1 – May 31, 2026. Most of the deals seem pretty week but you can get $50 off $100+ on grocery orders via Instacart every Saturday and Sunday in May
Our Verdict
Requires GrubHub+, you can also get that for $0.99 a month during this promotion (enrolls you in auto billing so remember to cancel). Most readers will already have GrubHub+ from various promotions such as Amazon Prime.
