Podcasts about census bureau

Kevin covers and discusses the following stories: payroll processing firm, ADP released their May Private Sector Jobs report; the U.S. Commerce Department's Census Bureau reported April New Factory Orders; both Americas Commercial Transportation Research Co. (ACT) and J.D. Power reported April Used Class 8 Truck Sales; both ACT and Freight Transportation Research Associates Transportation Intelligence (FTR) released preliminary April U.S. Trailer Orders data; the Institute for Supply Management (ISM)released their May Services Purchasing Managers' Index, which covers 18 services industries; Oil Companies are scrambling to secure giant tankers to ensure capacity to transport oil; the U.S. Military is providing information and guidance on how to pass through the Strait of Hormuz; oil prices react to an increase in hostilities in the Middle East, little progress in peace talks between the U.S. and Iran and U.S. crude oil inventory data; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinions.See omnystudio.com/listener for privacy information.

Kevin covers and discusses the following stories: a great weekend finishing up the front walk way, front porch and deck with flowers and plants; the U.S. Commerce Department's Census Bureau reported April Construction spending; May's S&P Global Purchasing Managers' Index (PMI) data was released; the Institute for Supply Management released their PMI index; a new report on the number of large tankers passing through the Strait of Hormuz; Kroger launches plan to lure customers back and better compete with their rivals; oil and gas prices react to Iran halting talks with the U.S., threats to further blocking the Strait of Hormuz, Israel's further advances into Lebanon; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and a few opinions along the way.See omnystudio.com/listener for privacy information.

Too many options isn't freedom. It's paralysis dressed up as possibility. David Epstein, investigative journalist and author of the bestseller Range, is back with a counterintuitive idea: the constraints you've been avoiding might be the exact thing that unlocks your best work. His new book, Inside the Box: How Constraints Make Us Better, makes the case that boundaries don't limit you. They focus you. You'll hear how a company in the early nineties assembled arguably the greatest collection of tech talent ever, had unlimited resources, and still collapsed under the weight of its own options. Meanwhile, two people who left that company with small, focused projects built eBay and the Palm Pilot. The lesson isn't about talent. It's about the bounding box. David introduces his BCS Press Release framework: batch your work so you're not toggling all day, make your commitments visible so you can actually subtract the right ones, use satisficing rules to make decisions without drowning in choices, and write the press release before you start anything, so you know what matters before you're too deep in to see clearly. This conversation also gets personal. David talks about the childhood arm injury that ended his baseball career and pushed him toward running and memory techniques he still uses today. He opens up about forgiveness, about the grudges that are hard to shake, and about the Harvard Study of Adult Development, the longest study of human happiness ever conducted, which concluded that happiness is love. Real relationships. Mutual obligation. The stuff you keep forgetting to schedule. David's socials: Website Instagram X David's books: Inside the Box: How Constraints Make Us Better Range: Why Generalists Triumph in a Specialized World The Sports Gene: Inside the Science of Extraordinary Athletic Performance In this episode you will: Discover why having too many options can kill your creativity and how the psychology of the path of least resistance explains it Learn the BCS Press Release framework for batching work, making commitments visible, and using satisficing rules to stay focused Understand the difference between kind and wicked learning environments and why the 10,000-hour rule only applies to one of them Explore what MIT, Northwestern, and Census Bureau research reveals about the average age of fast-growing startup founders and why late bloomers have an edge Apply the subtractive neglect bias and the subtraction game to cut commitments and create more clarity in your work and relationships For more information go to https://lewishowes.com/1932 For more Greatness text PODCAST to +1 (614) 350-3960 Follow The Daily Motivation for essential highlights from The School of Greatness More SOG episodes we think you'll love: Lewis Howes Solo [5-Step Mental Reprogramming Process] Emma Grede Kevin Love TOPICS David Epstein, Inside the Box, Range, constraints and creativity, BCS Press Release framework, kind vs. wicked learning environments, 10000-hour rule, Harvard Study of Adult Development, satisficing rules, subtractive neglect bias Get more from Lewis! Get my New York Times Bestselling book, Make Money Easy!Get The Greatness Mindset audiobook on SpotifyText Lewis AIYouTubeInstagramWebsiteTiktokFacebookX Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Kevin covers and discusses the following stories: trucking company executives optimistic about their companies' 2026 financial performance as well as the industry, they include - Schneider, Averitt Express, Daimler Truck and Knight-Swift Transportation; the U.S. Department of labor released the Weekly Jobless Claims Report; the U.S. Census Bureau and the U.S. Department of Housing and Urban Development jointly announced the following new residential construction statistics for April- Building Permits, Housing Starts and Housing Completions; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinions. The Memorial Day weekend begins today; Kevin describes the origins, pays tribute to our fallen heroes, and reminds us to observe a moment silence at 3:00 p.m. on Monday.See omnystudio.com/listener for privacy information.

Welcome back to Episode 255 of Damn We Grown! This week, Mike and Tiff sit down for a cozy and candid conversation about navigating adulthood, parenting, and the realities of modern life.The episode kicks off with a relaxing weekend recap, featuring a successful yard sale hunt for a bamboo circle chair and a trip to the local farmer's market for fresh fruit, Mediterranean dips, and garlic spread. The conversation then shifts to a review of the movie Good Luck, Have Fun, Don't Die, sparking a thoughtful discussion on parenting and the societal double standards of showing violence versus intimacy to teenagers.Later, the discussion moves to the music industry, touching on recent releases from Drake and Kanye, and whether legacy artists like Andre 3000 are aging gracefully by transitioning into new genres like instrumental flute music. Digging into real-world news, the hosts analyze Census Bureau data showing a rise in Americans leaving the U.S. due to the high cost of living, exploring the appeal of the expat life and moving to places like Thailand.To wrap things up, Mike and Tiff test their dynamic with a hilarious rapid-fire Q&A. They debate beach vacations versus snowy cabins, reveal their biggest pet peeves, and reminisce about their first date in Santa Monica.Episode Highlights:Weekend Recap: Yard sale wins, a free Mid-City LA music festival, and artisanal farmer's market finds.Parenting in the Modern Age: Navigating appropriate movie choices for tweens and teens.Hip-Hop & Getting Older: Thoughts on Kanye, Drake, and Andre 3000's evolving music styles.The American Exodus: Discussing the rising cost of living and the reality of moving abroad.Couples Rapid-Fire: A fun Q&A covering relationship habits, favorite features, and everyday preferences.

Kevin discusses and covers the following stories: weather is back in the news, Americas Commercial Transportation Research Co. (ACT) and Freight Transportation Research Associates – Transportation Intelligence (FTR) reported April Class 8 truck orders; Rachel Strauss, Founder & CEO of PBM Princess, LLC, joins the show to talk about pharmacy benefit management and how employers can save on prescription drugs; the U.S. Commerce Department's Census Bureau reported March Construction Spending; oil prices continue to react to Iranian attacks on their neighbors, patience with Iran's peace talk stalling wearing thin and continued disruption in the Strait of Hormuz; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinions. See omnystudio.com/listener for privacy information.

The Fed's Inflation Problem Just Got More Complicated U.S. inflation accelerated sharply in April, with CPI rising 3.8% year-over-year, the highest reading in nearly three years, as the Iran conflict continued to ripple through global energy markets. Core CPI, which excludes food and energy, also rose to 2.8%, up from 2.6% in March, suggesting inflation pressures are beginning to broaden beyond energy alone. The biggest driver was oil. Ongoing disruptions around the Strait of Hormuz — one of the world's most critical oil shipping routes — pushed crude prices sharply higher over the past two months. Gasoline prices surged again in April and are now up 28.4% compared to a year ago. Diesel, jet fuel, utilities, and transportation costs also moved higher. Analysts estimate energy alone accounted for more than 40% of the monthly CPI increase. Food inflation also remained elevated, rising 3.2% year-over-year. Some categories saw especially sharp increases, including tomatoes (+39.7%) and fresh vegetables (+11.5%). Airline fares were another major outlier, jumping 20.7% from last year as higher fuel costs filtered through the travel industry. The April inflation report complicates the Federal Reserve's outlook. Markets had expected rate cuts later this year, but stronger inflation and resilient consumer spending are now pushing those expectations further out. Treasury yields moved higher immediately after the CPI release as investors repriced the likelihood of rates staying elevated for longer. That said, it's important not to overreact to a single report. In roughly two weeks, investors will get the PCE (Personal Consumption Expenditures) report, which is the inflation gauge the Federal Reserve watches most closely. Unlike CPI, PCE captures a broader view of consumer spending and adjusts more dynamically as spending habits change. There are several key differences between the two reports. CPI primarily measures out-of-pocket spending by urban consumers, while PCE also includes rural households and purchases made on behalf of consumers, such as employer-sponsored healthcare and government programs like Medicare and Medicaid. As those costs rise, consumers still feel the impact indirectly. PCE also better reflects substitution effects — meaning it captures when consumers shift from higher-priced goods to lower-cost alternatives during inflationary periods. The weighting differences are significant as well. Housing makes up 44.5% of CPI but only 18.1% of PCE. Meanwhile, healthcare represents just 8.4% of CPI compared to 20.6% of PCE. While the upcoming PCE report will likely also show inflation accelerating, the bigger question is whether this energy shock proves temporary or becomes more persistent. If oil prices remain elevated, energy could continue to be the primary driver behind inflation data for the next several months — and that would make the Fed's path forward significantly more difficult.   The market continues to flash warning signs beneath the surface. The semiconductor sector, as measured by the Philadelphia Semiconductor Index, has only been this extended above its 200-day moving average twice before in modern history: 1995 and early 2000. Those are not random comparisons. In 2000, semiconductors peaked alongside the final stages of the dot-com bubble, marking a generational top in speculative growth stocks. In 1995, the outcome was different but still instructive: semiconductor stocks entered their own bear market even as the broader indexes continued grinding higher. Given that semiconductor stocks are now such a large part of the market, I believe it would be hard for the market to rally if this sector entered a bear market. There was also another warning sign you should be aware of. Last week, the S&P 500 hit another record high while an unusually large number of individual stocks simultaneously registered fresh 52-week lows. Historically, that kind of divergence has rarely occurred outside of major topping periods. As Bespoke Investment Group noted: “Since 1996, the only other period where we saw the S&P at record highs with fewer than 60% of stocks above their 50- and 200-day moving averages was from late 1998 to early 2000.” That matters because healthy bull markets are typically characterized by broad participation. When indexes rise while fewer stocks carry the advance, it often signals deteriorating internal strength masked by mega-cap concentration. Today's market has become increasingly dependent on a handful of AI and semiconductor names to sustain index performance. Valuations across those leadership stocks are being justified by near-perfect expectations: uninterrupted earnings growth, sustained AI capex expansion, and continued multiple expansion despite elevated rates and slowing macro conditions. That combination leaves very little room for disappointment. None of this guarantees an immediate crash. Markets can remain overextended longer than expected, especially during periods of technological enthusiasm and liquidity-driven momentum. But history suggests these types of extremes tend to appear late in cycles, not early. The key issue isn't simply that valuations are expensive. It's that market breadth, positioning, and sentiment are all increasingly disconnected from the underlying participation beneath the indexes. That's usually when risk becomes hardest to see — and most dangerous to ignore.   Consumers Say They're Worried, But They Keep Spending The latest U.S. retail sales report continues to tell a very different story than consumer sentiment surveys. According to the latest Census Bureau retail sales data, overall retail and food service sales remained resilient, with strength in online retail, restaurants, electronics, and discretionary categories. Even after adjusting for slowing momentum from March's surge, spending activity continues to hold up far better than many expected. Compared to last year, sales climbed 4.9% and even if we back out the gasoline stations where sales climbed 20.9%, sales were still up 3.7%. If we exclude another volatile category in motor vehicle & parts dealers it was up 4.9%. This divergence matters. Consumers say they feel pessimistic and sentiment surveys confirm it. The University of Michigan consumer sentiment index recently fell to record lows of 48.2 as households reacted to inflation and higher gas prices. It's important to point out this survey has been around for close to 75 years. Ultimately, I believe behavior is more important than survey as that is what drives the economy. Behavior still shows people are traveling, eating out, and shopping online. Employment and wage growth continue to support consumption and until the labor market weakens materially, I believe that will remain the case. Part of the disconnect is psychological. Consumers are reacting to inflation, geopolitical uncertainty, and higher living costs. But at the same time, household balance sheets, labor markets, and asset prices have remained supportive enough to keep consumption moving. As long as spending continues, the broader economy remains on firmer footing than sentiment surveys alone would imply.   Financial Planning: How are your Rental Properties Performing? Rental properties should be reviewed over time just like an investment portfolio, yet many owners focus on a few attractive details rather than critically evaluating the full picture. Looking only at the rent coming in or calculating “net cash flow” using just the mortgage, property taxes, and insurance can create a very different impression than what is actually happening financially. Maintenance, repairs, vacancies, turnover costs, property management, capital improvements, and recurring “one-time expenses” can significantly reduce actual returns over time. That $1,000 per month of cash flow may sound attractive, but it becomes far less impressive if the property has $1 million of equity that could potentially be invested elsewhere. While many real estate investors benefited from rapid appreciation between 2019 and 2022, property values in many areas have recently remained stagnant, causing overall returns to slow considerably. After fully accounting for the true cost of ownership and the opportunity cost of the equity invested, many rental properties have likely underperformed the stock market in recent years despite continuing to generate rental income.   Companies Discussed: The Walt Disney Company (DIS), Whirlpool Corporation (WHR),  Shake Shack Inc. (SHAK) & Ford Motor Company (F)

Retail sales in April were up 0.5% compared to the month before and are up 4.9% from a year ago, according to the Census Bureau. So are retail sales higher because consumers are resilient and buying more stuff, or are we spending more just because prices are higher and the stuff we want is more expensive? We discuss. Then, in search of cleaner energy, two new power transmission lines are connecting Quebec to New York and Massachusetts.

Retail sales in April were up 0.5% compared to the month before and are up 4.9% from a year ago, according to the Census Bureau. So are retail sales higher because consumers are resilient and buying more stuff, or are we spending more just because prices are higher and the stuff we want is more expensive? We discuss. Then, in search of cleaner energy, two new power transmission lines are connecting Quebec to New York and Massachusetts.

Detroit has posted population gains for the third consecutive year, adding more than 5,000 residents and leading the entire state in growth. Two city residents and a former resident discuss the Census Bureau data showing Detroit now has nearly 650,000 people.  The conversation explores what's driving the comeback — from intentional investments in housing and small businesses to the city's unique culture and identity that makes people want to stay. They also discuss retention strategies, the importance of building diverse housing stock, and predictions for Detroit's future growth, including the possibility of climate migration bringing even more new residents to the Great Lakes region. As always, feedback - dailydetroit@gmail.com or 313-789-3211. Make sure to follow us on Apple Podcasts, Spotify, or wherever you get your podcasts.

Hour 1 opens with Marc and the crew adjusting to their temporary studio setup before diving headfirst into mounting ethics questions surrounding Sam Page and allegations that he continued performing anesthesiology work hundreds of times while serving as county executive despite rules against holding dual employment. Marc questions claims that the work was unpaid volunteer service and argues the controversy reflects a broader pattern of political insiders acting above the rules. The hour then pivots into a major legal challenge launched by Catherine Hanaway against the Department of Commerce and Census Bureau over counting illegal immigrants in census totals, with Marc arguing the practice unfairly boosts congressional power and federal funding for blue sanctuary states while weakening representation in states like Missouri. Later, “Kim on a Whim” tackles the student loan crisis and the exploding cost of higher education, as Marc and Kim debate personal responsibility, predatory loan structures, government-backed lending, and why many younger Americans are delaying homes, marriages, and families under crushing debt burdens. The hour also includes sharp commentary on Illinois gas taxes, Missouri redistricting battles, inflation concerns, and broader frustrations with government spending, making for a fast-moving mix of local politics, national legal fights, and economic anxiety. Hashtags: #SamPage #CatherineHanaway #StudentLoans #MissouriPolitics #USCensus #IllegalImmigration #CollegeDebt #IllinoisGasTaxes #Redistricting #Inflation

The May 13, 2026 edition of The Marc Cox Morning Show delivers a fast-moving mix of political controversy, economic pressure points, and international tension. Hour 1 centers on escalating scrutiny of St. Louis County Executive Sam Page amid allegations of outside anesthesiology work despite rules barring dual employment, alongside a major legal challenge to the U.S. Census Bureau over counting illegal immigrants in population totals and a broader debate on student loan debt and its impact on younger Americans. Hour 2 shifts into Missouri politics and culture, highlighting a Supreme Court ruling upholding the state's congressional map, ongoing police funding battles in St. Louis, and a mix of national market updates and lighter cultural headlines including entertainment and sports-related news. Hour 3 features in-depth interviews on political accountability and ideology, including criticism of DEI policy persistence, scrutiny of the Southern Poverty Law Center, Illinois' rising gas tax structure, and viral public reaction to a poll about perceptions of Donald Trump. Hour 4 expands to global and national stakes with the president's China summit talks, inflation and fuel tax debates, a volatile Los Angeles mayoral race centered on homelessness and policing policy, San Francisco regulatory disputes, and a sharp Washington confrontation over a federal shooting case. Across all four hours, the show weaves together local governance battles, national economic strain, cultural conflict, and geopolitical uncertainty into a tightly packed political and economic snapshot of the day. Hashtags: #SamPage #MissouriPolitics #Census #GasPrices #Inflation #China #LAMayorRace #DEI #Illinois #WashingtonDC #Politics #FullShow**

Tara and Lee break down the political firestorm over congressional maps, Supreme Court rulings, and GOP infighting in South Carolina. HOOK Democrats are “desperate,” according to even the New York Times — and Tara says the panic is setting off a political earthquake over race-based districts, Supreme Court rulings, and redistricting battles across America. DESCRIPTION The redistricting war is heating up nationwide as Republicans push back against what conservatives call decades of race-based gerrymandering and Census Bureau manipulation. Tara and Lee dive into explosive claims surrounding congressional seat allocation, Supreme Court decisions, South Carolina political infighting, and why Democrats are suddenly sounding alarm bells. Plus, Tara unloads on South Carolina leadership, MAGA activists target GOP establishment figures, and the show wraps with a lighter Mother's Day conversation about family, steaks, and unforgettable moments at home. KEY TOPICS Democrat panic over redistricting battles Claims of census manipulation and congressional seat shifts Supreme Court rulings on race and district maps South Carolina GOP divisions Henry McMaster criticism from MAGA activists Shane Massey backlash goes viral Jim Clyburn district controversy Mother's Day family stories and weekend recap SEGMENTS SEGMENT 1 — “Democrats Are Desperate” Tara opens by reacting to reports that Democrats are increasingly worried about upcoming elections and redistricting fights. The conversation focuses on accusations of census fraud, gerrymandered districts, and claims that Republicans could regain major congressional advantages if maps are redrawn. SEGMENT 2 — “The Supreme Court Showdown” The hosts argue that recent Supreme Court decisions did not eliminate voting rights protections but instead restricted the use of race in drawing congressional districts. Tara claims Democrats are misleading voters about the legal rulings while simultaneously criticizing the court system they once defended. SEGMENT 3 — “South Carolina Civil War” Attention turns to South Carolina politics, where Tara sharply criticizes state GOP leadership, especially over resistance to redistricting efforts targeting Representative Jim Clyburn's district. The discussion highlights backlash against state senate leader Shane Massey and frustration aimed at Governor Henry McMaster. SEGMENT 4 — “Mother's Day Reset” After the political fireworks, the conversation shifts to a lighter tone with stories about Mother's Day celebrations, family dinners, perfectly cooked filet mignon, and heartfelt moments with children. QUOTE OF THE DAY “When Democrats get desperate, they get crazy.” SOCIAL MEDIA TEASER

If you were in a bar fight and could have 5 all-time professional atheletes on your side, who would you want on your side? We debate our list in our main segment!Pop Culture Headlines includes remembering medial mogul Ted Turner on his recent passing; The U.S. Census Bureau has revealed the most popular first names per data taken from 1990 to 2020 and Rolling Stone has revealed their top 500 songs of all-time list!Warning as usual for some explicit language & content from us Idiots!Have a drink with us and listen weekly for pop culture talk, nerdy debates, personal insults & questionable jokes on your favorite podcast platforms including Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, iHeart Radio, Vurbl, Goodpods, Podvine & more! Watch us on our YouTube channel:https://youtube.com/@convincingidiots?si=SWpsPG0wUhBwr-UkShow info can be found on our website: convincingidiots.wordpress.comFind show links on our Link Tree:https://linktr.ee/ConvincingIdiotsEmail us at ConvincingIdiots@gmail.com. Main Podcast Page:https://open.spotify.com/show/6reEtw2dnPBsoAwu6ANYIxYouTube Music Channel:https://music.youtube.com/@convincingidiots?si=Bkfzt_kbXzSTXWh3Enjoying the show? Consider becoming a Patreon: https://tr.ee/l-akuB8X36Show merch store here (or buy any other apparel to still benefit the show!) https://www.teepublic.com/stores/convincing-idiotsShow Tip Jar: DonateCome be dumb with us! Listen and subscribe!

Kevin covers and discusses the following stories: the U.S. Bureau of Labor Statistics released their Job Openings and Labor Turnover Summary (JOLTS), how the media reported the numbers, is interesting; Phil Flynn, Senior Market Analyst, PRICE Futures Group and author of The Energy Report, joins the show to discuss the war in Iran, oil and gas prices and expectations for those prices going forward; the Commerce Department's Census Bureau released February and March New Home Sales; Kevin has the details, digs into the details, puts the information into historical perspective, offers his insights and opinions.See omnystudio.com/listener for privacy information.

Last Friday, the 5th Circuit Court of Appeals blocked a ruling from the FDA that allowed the medication abortion drug mifepristone to be sent to patients without an in-person visit to a healthcare provider. Shortly after, the Supreme Court issued a temporary stay, allowing the drug to continue to be distributed for a short period of time.Kelcie Moseley-Morris has been covering this story for the Louisiana Illuminator and Stateline. She joins us with the latest.According to new population data released by the U.S. Census Bureau, New Orleans and the surrounding communities are continuing to decline in population. Since 2020, the 7-parish metro area has decreased by more than 36,000 residents. In the meantime, the Baton Rouge area has seen a slight uptick in residents.Allison Plyer, chief demographer at the Data Center and former chair of the U.S. Census Bureau's Scientific Advisory Committee, joins us with more.Martha Reeves, the legendary Motown voice, Rock and Roll Hall of Fame inductee and lead singer of Martha and the Vandellas, is coming to New Orleans. The singer known for the hit songs “Dancing in the Street” and “Heatwave” will headline a one–night event at the New Orleans Jazz and Blues Market tonight (May 6). Dubbed, “Come and Get These Memories,” the event will feature Reeves discussing behind-the-scenes stories about some of the most iconic musicians and songs in Motown history. Martha Reeves joined Louisiana Considered's managing producer — and longtime fan — Alana Schreiber with more. —Today's episode of Louisiana Considered was hosted by Adam Vos. Our managing producer is Alana Schreiber. We get production support from Garrett Pittman and our assistant producer, Aubry Procell.You can listen to Louisiana Considered Monday through Friday at noon and 7 p.m. It's available on Spotify, the NPR App and wherever you get your podcasts. Louisiana Considered wants to hear from you!Please fill out our pitch line to let us know what kinds of story ideas you have for our show. And while you're at it, fill out our listener survey! We want to keep bringing you the kinds of conversations you'd like to listen to.Louisiana Considered is made possible with support from our listeners. Thank you!

Kevin covers and discusses the following stories: the U.S. Bureau of Labor Statistics released their Job Openings and Labor Turnover Summary (JOLTS), how the media reported the numbers, is interesting; Phil Flynn, Senior Market Analyst, PRICE Futures Group and author of The Energy Report, joins the show to discuss the war in Iran, oil and gas prices and expectations for those prices going forward; the Commerce Department's Census Bureau released February and March New Home Sales; Kevin has the details, digs into the details, puts the information into historical perspective, offers his insights and opinions.See omnystudio.com/listener for privacy information.

Kevin covers and discusses the following stories: the U.S. Bureau of Labor Statistics released their Job Openings and Labor Turnover Summary (JOLTS), how the media reported the numbers, is interesting; Phil Flynn, Senior Market Analyst, PRICE Futures Group and author of The Energy Report, joins the show to discuss the war in Iran, oil and gas prices and expectations for those prices going forward; the Commerce Department's Census Bureau released February and March New Home Sales; Kevin has the details, digs into the details, puts the information into historical perspective, offers his insights and opinions.

Kevin covers and discusses the following stories: a recap of he and his wife's annual trip to the local casino to watch and place a wager on the 152nd Kentucky Derby; the U.S. Commerce Department's Census Bureau reported March U.S. Factory Orders; on Friday, the S&P Global U.S. Manufacturing Purchasing Managers' Index (PMI) for April was reported; also, on Friday the Institute for Supply Management released their April Manufacturing Purchasing Manager's Index (PMI); oil and gas prices reacted to Iran's stepped-up attacks on the United Arab Emirates and ships in the Strait of Hormuz, the most serious escalation since the early April ceasefire; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and offers a few opinions along the way. See omnystudio.com/listener for privacy information.

Kevin covers and discusses the following stories: a recap of he and his wife's annual trip to the local casino to watch and place a wager on the 152nd Kentucky Derby; the U.S. Commerce Department's Census Bureau reported March U.S. Factory Orders; on Friday, the S&P Global U.S. Manufacturing Purchasing Managers' Index (PMI) for April was reported; also, on Friday the Institute for Supply Management released their April Manufacturing Purchasing Manager's Index (PMI); oil and gas prices reacted to Iran's stepped-up attacks on the United Arab Emirates and ships in the Strait of Hormuz, the most serious escalation since the early April ceasefire; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and offers a few opinions along the way. See omnystudio.com/listener for privacy information.

Kevin covers and discusses the following stories: a recap of he and his wife's annual trip to the local casino to watch and place a wager on the 152nd Kentucky Derby; the U.S. Commerce Department's Census Bureau reported March U.S. Factory Orders; on Friday, the S&P Global U.S. Manufacturing Purchasing Managers' Index (PMI) for April was reported; also, on Friday the Institute for Supply Management released their April Manufacturing Purchasing Manager's Index (PMI); oil and gas prices reacted to Iran's stepped-up attacks on the United Arab Emirates and ships in the Strait of Hormuz, the most serious escalation since the early April ceasefire; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and offers a few opinions along the way.

 JOIN SHERI HORN HASAN FOR THIS WEEK'S PODCAST @ https://www.karmicevolution.com/astrologically-speaking which drops today May 1!CH-CH-CH-CH-CHANGES, TURN & FACE THE STRANGE CH-CH-CHANGES We know all Full Moons are when the Moon casts the light of the Sun directly back onto itself, thus revealing to the Sun its archetypal shadow side. In this case, today's May 1 Scorpio Full Moon, which occurs when the 11'21” Scorpio Moon exact opposes the 11'21” Taurus Sun at 10:23 am PT & 1:23 pm ET on May 1, we're being advised to let go of Taurus's archetypal shadows. And those revolve around our tendency to stay stuck in the past, as the Venus-ruled Taurus's shadow is known to be its stubborn resistance to change, & its attachment to its creature comforts—especially related to its value of physical & material resources.However, let's remember first that this Scorpio Full Moon is part of this month's longer lunar cycle which began with the Aries New Moon on April 17. And that at that time both the Moon & Sun were conjoined in Aries with wounded healer Chiron & dwarf planet of chaos, strife, & discord, Eris.This told us that our monthly mission was to plant seeds that lead to healing our wounded Aries energy. This podcast touches on how a wounded Mars-ruled Aries shadow is that it looks a lot like Libra archetypal energy: Indecisive &/or passive aggressive.This has clearly played out in American politics given the fact that by the first quarter lunar square of the Leo Moon to the Taurus Sun on April 23--just after the Venus/Uranus conjunction at 29'59” Taurus—Congress was still in limbo concerning funding the Department of Homeland Security (DHS.)No surprise then, that as we approached this Scorpio Full Moon, the House finally let go of its stubborn resistance & passed the Senate's March version of this funding bill—which excludes funding ICE & CBP—on April 30. It was the stubbornness of both sides of the aisle that left TSA, FEMA, the U.S. Coast Guard, the Secret Service, and the Cybersecurity and Infrastructure Security Agency (CISA) unfunded for 76 days since February 14. Perhaps it's no coincidence that Saturn had reentered Mars-ruled Aries February 13, indicating the kind of “banging one's head against the wall” frustration felt by both Congressional Democrats & Republicans since. Now the GOP majority-ruled Congress still has to take up a separate reconciliation bill to pass any funding for ICE & CBP, which Democrats vehemently oppose without some major changes to those agencies. This is one example of the Scorpio Full Moon's waxing influence on moving the nation out of limbo and into some kind of motivated action--the wound highlighted at the Aries New Moon conjunct Chiron & Eris. However, we've still got a long way to go when it comes to the U.S./Israeli waged war on Iran, as Congress continues to waffle on passing the War Powers Resolution Act codifying President Trump's ability to wage war without Congressional consent. This Act, passed in 1973 as a direct result of then President Richard Nixon's U.S. involvement in the Vietnam War without congressional approval—& despite many Americans' opposition—illustrates the resistance of this Administration to adhering to both past law & the will of the people.SUPREME COURT GUTS VOTING RIGHTS ACT, RETURNING US TO VALUES OF THE PAST But first, America has an even bigger internal problem that's related to its elections. On April 29, the Supreme Court took a step backward leaving us stuck in values of the past (Taurus Sun) that have already been proven not only unfair but that also position the U.S. even more firmly against the natural evolutionary process (Scorpio Moon.)And the latter is exactly what this Scorpio Full Moon is trying to tell us: That resisting change—by returning us to the values of the past such as the days of Jim Crow—is directly anathema to adapting to society's more evolved values now.The negative side of Taurus doesn't like change because it values its creature comforts. This archetype sees no benefit in changing its current way of life—where the American population is majority white—to accept adapting to the evolutionary trajectory it's on now given the more recent changes in population statistics.This podcast explores how the U.S. Census Bureau—between 2010 & now—has changed its definition of “white” & thus relegated a shift in categorizing more of the Hispanic & Latino population as “non-white.”A large part of what this Scorpio Full Moon is trying to tell us here—given that the Supreme Court has now struck down any state electoral maps that insure that black & minority majority districts have fair representation—is that this impedes U.S. adaptation to Pluto-ruled Scorpio's desire for change.PLUTO'S STATION RETROGRADE MAY 6 DREDGES UP ESSENTIAL TRUTHS THAT PRESERVE THE INTEGRITY OF THE SOULPluto's retrograde station occurs at 5'31” Aquarius on May 6 when the god of the underworld will plumb the depths of our subconscious from then until he's once again direct at 3'04” Aquarius on October 15.Pluto transits make it impossible not to be honest, as Jungian astrologer Erin Sullivan explains in her book “Planetary Retrogrades, Traversing the Inner Landscape.” It's there she notes that “Plutonian veracity has little to do with day-to-day honesty, but deals only with essential truth, life & death matters, the kind of truth that preserves the integrity of the soul. “It is part of the contract with Pluto, it seems” Sullivan continues, “that if one faces oneself willingly & unflinchingly, the reward is an unshakable integrity.“When Pluto undergoes its retrograde cycles”—particularly if it repeats its contact with a natal planet or angle—“it dredges deeper & deeper into the resources of the unconscious, bringing to light the most secluded aspects of one's inner nature. “The process of loosening firmly entrenched & potentially annihilating characteristics in the depth of the psyche is active primarily during the retrograde period,” says Sullivan. It's in the “rest phase of the transit [that] we relax the hold on the repressive function & allow transformation to occur,” she explains. When Pluto's retrograde is part of a transit to a specific point in the natal chart, “poisonous aspects of oneself gather together silently & secretly, to emerge for elimination at the direct cycles,” she concludes.That makes this next six month period the perfect time to take Sullivan's advice as the U.S. undergoes the longer-term evolutionary changes inherent in the already triggered U.S. Pluto return.PLUTO RETROGRADE PLUS URANUS NOW IN GEMINI UNTIL 2033: RESISTANCE TO CHANGE IS FUTILEWhat's become clear now at this Scorpio Full Moon lunation, which is the apex of the Aries New Moon monthly cycle begun on April 17, is that there can be no indecisiveness when it comes to the evolutionary process of adaptation to long-term change.This podcast quotes astrologer Lynn Bell's OPA article titled “The Wake Up Call” which describes the longer term potential for change given Uranus's recent reentrance into Gemini from April 25 until 2033.Given the recent Supreme Court mandated shift in policy related to U.S. voting rights, it seems clear that what we need to wake up to now is how we must fight the overturning & denial of changes made by this nation since its inception. Uranus (change) in Gemini—which represents “siblings” & local neighborhood & community environment, among other things--has already brought sudden change to our local areas through the Trump Administration's harsh racist tactics designed to purge this nation of those it deems “foreigners.” Many of whom are our family members, neighbors, employees, & coworkers.This is on top of the fact that the Supreme Court already ruled that women are not equal to men in terms of bodily autonomy in its infamous Dobbs decision four years ago already since June 24, 2022. This thus returned us to the misogyny of the original Constitution's “all men”—but not all women—are created equal, in clear disregard for society's gladly accepted changed values since.Meanwhile, Pluto's shorter retrograde in Aquarius now until October asks us to explore the deeper more unconscious nature of topics like prejudice in this country—including racism against anyone who's not white, male, or Christian, at least the way things are going now…Together, they ask us to awaken to the sad truth that the U.S.—rather than evolving in a forward thinking, all inclusive, progressively humanitarian direction--prefers to keep in power those wedded to America's racist, misogynist, & gender discriminatory past. We're already seeing glimmers of the answer to questions like: “How's that been workin' for you so far?” through the current policies of an Administration that takes us to war for inexplicable reasons & that ignores its negative impact on the daily decline in health & well-being of its own citizens.Resistance to this may well awaken another Uranus in Gemini historical association, which is to that of war. As American states become increasingly gerrymandered now due to this week's Supreme Court decision--as is already happening in places like Louisiana & Florida--the pending political, ethical, & moral split in values will become increasingly obvious.The upshot is the message that it's now up to us. Meaning the people who--when we work together in groups exhibit much greater power than those who currently hold those reigns—can achieve the kind of evolutionary progress the heavenly bodies are waking us up to now...Join us for more Astro News You Can Use on all this & more today at https://www.karmicevoluti

Kevin covers and discusses the following stories: observations on the visit of King Charles III and Queen Camilla to Washington, D.C., the King's address to a joint session of Congress and the elegant State Dinner; the U.S. Commerce Department reported the March Durable Goods Orders; the U.S. Commerce Department's Census Bureau reported March Single- Family Housing Starts, the delayed, due to the Schumer Shutdown, February Housing Starts, March and February Building Permits; oil and gas prices continue to rise due to the events in the Strait of Hormuz, the blockade of Iran and a member of the Organization of Petroleum Exporting Countries (OPEC) leaving the group; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinions.See omnystudio.com/listener for privacy information.

Kevin covers and discusses the following stories: observations on the visit of King Charles III and Queen Camilla to Washington, D.C., the King's address to a joint session of Congress and the elegant State Dinner; the U.S. Commerce Department reported the March Durable Goods Orders; the U.S. Commerce Department's Census Bureau reported March Single- Family Housing Starts, the delayed, due to the Schumer Shutdown, February Housing Starts, March and February Building Permits; oil and gas prices continue to rise due to the events in the Strait of Hormuz, the blockade of Iran and a member of the Organization of Petroleum Exporting Countries (OPEC) leaving the group; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinions.

Kevin covers and discusses the following stories: observations on the visit of King Charles III and Queen Camilla to Washington, D.C., the King's address to a joint session of Congress and the elegant State Dinner; the U.S. Commerce Department reported the March Durable Goods Orders; the U.S. Commerce Department's Census Bureau reported March Single- Family Housing Starts, the delayed, due to the Schumer Shutdown, February Housing Starts, March and February Building Permits; oil and gas prices continue to rise due to the events in the Strait of Hormuz, the blockade of Iran and a member of the Organization of Petroleum Exporting Countries (OPEC) leaving the group; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinions.See omnystudio.com/listener for privacy information.

What happens when retailers keep playing the hits after the audience has moved on? Steve Dennis opens with that question — drawn from his latest Substack essay — and it anchors everything that follows. From Bed Bath & Beyond's overreliance on the 20% coupon to QVC's slow fade, the episode explores what happens when leaders confuse past success with future relevance. The problem, Steve argues, isn't always fear. Sometimes it's a failure of imagination. That theme runs straight into DTC strategy, with Nike as the cautionary case. The promise — better margins, direct relationships, more control — turns out to be misleading. The middleman doesn't disappear; the brand becomes the middleman, absorbing fulfillment, real estate, and marketing costs that were previously someone else's problem. Levi's, Moncler, Yeti, Vuori, and On all point toward the same conclusion: the winning model is almost always a blend, not a binary. The news section is equally dense. Conflicting signals from CNBC/NRF, the U.S. Census Bureau, and Circana make the current environment genuinely hard to read — retailers are being asked to make big decisions in a fog of contradictory evidence. Walmart's continued investment in store remodels is a clear counter-narrative: physical retail isn't retreating, it's evolving. Leadership transitions at Lululemon and Best Buy raise harder questions about succession, inherited playbooks, and whether new executives will have the courage to break from them. Michael closes with surveillance pricing — the emerging debate over whether AI-powered individualized pricing is something retailers should do, not just something they can do. It's a fitting final note for an episode about what happens when the old formulas stop working and leaders haven't yet found new ones. Join us at the CommerceNext Growth Show in New York June 23rd and 24th with this exclusive discount code for 10% off general admission tickets and FREE retail tickets: Your code is "REMARKABLE" . See you in the Big Apple! About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling author of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is a senior retail advisor, keynote speaker and media entrepreneur. Michael has delivered keynotes, hosted fire-side discussions hosted senior retail executive on-stage in 1:1 interviews worldwide. Michael produces and hosts a network of leading retail trade podcasts, including The Remarkable Retail Podcast, The Voice of Retail The Food Professor, The FEED powered by Loblaw and the Global eCommerce Leaders podcast. He has been recognized by the NRF as a global Top Retail Voice for 2025 and 2025 and continues to be a ReThink Retail Top Retail Expert for the fifth year in a row.

Advisors on This Week's Show Kyle Tetting Art Rothschild Adam Baley (with Joel Dresang, engineered by Jason Scuglik) Week in Review (April 20-24, 2026) Significant Economic Indicators & Reports Monday No major announcements Tuesday Retail sales rose 1.7% in March, driven by higher gas prices. The U.S. Census Bureau said 12 of 13 categories reported higher revenue than February. The exception was miscellaneous stores. Gas station sales jumped 15.5% in a month when prices rose 24%, according to the U.S. Energy Information Administration. Excluding gas stations and car dealers, retail spending increased 0.6%. Sales at bars and restaurants rose 0.1%, following a 0.5% gain in February and two months of declines. Adjusted for inflation, total retail sales rose 0.8%, the most in a year. Retail sales represent about two-thirds of U.S. consumer spending, which accounts for about 70% of the gross domestic product. Prospects for home sellers brightened slightly in March with a bump up in the pending home sales index from the National Association of Realtors. The trade group said its index rose 1.5% from February but was down 1.1% from the year before. It stood more than 26% below the 2001 index base, which the Realtors consider to be a normal sales level. The association said the monthly increase in contract signings amid rising mortgage interest rates suggested pent-up demand. It cited a lack of inventory, especially for young, first-time buyers. Among the top 50 metro areas in the country, the Realtors said the Milwaukee-Waukesha area had a 13.5% one-year gain in pending sales, second only to the Kansas City area, at 15%.  Wednesday No major announcements Thursday The four-week moving average for initial unemployment claims rose slightly for the third week in a row to remain 42% below its average since 1967. A Labor Department report suggested continued reluctance among employers to let workers go. Total jobless claims dropped 1.9% from the week before to 1.9 million, which was 2.9% below the same time in 2025. Friday Consumer sentiment declined 6.6% in April as the U.S.-Israeli war in Iran continued to weigh down expectations for personal finances and the broader economy. Sentiment overall was nearly 5% lower than in April 2025 and near its low levels in mid-2022, when inflation reached 40-year highs. According to the University of Michigan survey, consumers expect inflation to rise to 4.7% in the next year and to settle around 3.5% longer term. The latest Consumer Price Index showed inflation at 3.3% in March, well above the Federal Reserve’s long-term target of 2%. Market Closings for the Week Nasdaq – 24837, up 368 points or 1.5% S&P 500 – 7165, up 39 points or 0.5% Dow Jones Industrial Average – 49229, down 218 points or 0.4% 10-year U.S. Treasury Note – 4.31%, up 0.06 point

April 23, 2026: OpenAI released GPT-5.5 today — its second major model in six weeks. But while the software accelerates, the physical infrastructure powering it is triggering gunfire at council members' homes, Molotov cocktails at tech CEOs, and a grassroots rebellion that just ousted every incumbent on a Missouri city council one week after they voted yes on a data center. We also dig into the first-ever U.S. Census Bureau data on how AI is actually being adopted across American businesses — and why the real number is very different from what McKinsey has been telling you. And we look at what happened when Sullivan and Cromwell, the law firm that advises OpenAI on safe AI deployment, filed a federal court brief riddled with AI hallucinations. 

In today's episode, we go through the latest migration patterns from the U.S. Census Bureau. Plus, Robbie sits down with Berger Singerman's Geoffrey Lottenberg for a discussion on navigating the legal implications of AI in mortgage and lending processes. And we close by talking about what the Federal Reserve's Beige Book reveals about economic growth.Thank you to Truework, the one verification solution to replace in-house waterfalls. Verify any borrower with a VOIE solution that automates the entire process to quickly deliver the most accurate and complete reports with broad GSE coverage.The Chrisman Commentary is your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.

Keith explores how long-running social and economic shifts are redefining the American Dream—especially for younger adults who are putting off milestones like moving out, starting families, and buying homes.  He connects these trends to today's housing scarcity, elongated renter stage, and what that means for long-term rental demand and real estate investors. Keith also zooms out to place the current moment in the sweep of American history, then welcomes Redfin Chief Economist Dr. Daryl Fairweather for a data-driven conversation on affordability, supply constraints, renting versus owning, and how demographic changes could shape the next wave of opportunities in both ownership and rental markets. Episode Page: GetRichEducation.com/601 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, learn just how far behind today's 30 year olds are then American history by decade as the nation approaches its 250th birthday. Finally, a conversation about what's next for the housing market with Redfin's chief economist Darrell fairweather today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:10   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:54   Welcome to get rich Education. I'm your host. Keith Weinhold, the voice of real estate investing since 2014 almost nobody talks about a really important story going on in America today. And I find this really astonishing. I mean, you could almost never think of America the same way again, as you'll hear while you've got these other headlines out there, constantly sucking oxygen out of the room, like decisions from the White House and inflation and wars. One big story. It moves so slowly that it kind of creeps up on you. It is the jaw dropping change in American society over the last 40 years. And then we'll discuss its seismic changes for real estate. And this is sourced from a Census Bureau supplement. It's about how fewer us adults reach typical life milestones by age 30, and this is partly because more adults opt for college than in previous generations. Oh, well, college doesn't sound like such a bad thing. I'll get to that. And by the way, 30 is an age that has come and gone for me, so I've lived through it. We're looking at a period from 1985 to 2025 so 40 years first, it's those that live on their own. In 1985 it was 83% today it's just 67% so then the percentage that don't live on their own and probably live with their parents or roommates, that has doubled. You see even more drastic declines for other milestones since 1985 those that have ever married from 77% down to 45% those that live with a child and the responsibility that this entails that's fallen from 59% down to 36% and those that own a home 48 down to 29% and again, this is for all 30 year olds since 1985 this steady, sliding, relentless decline of those who live on their own, are married, have a child, or own a home, is pretty stunning, and this is inside the most powerful nation on Earth. And here's the thing, this pattern from about 40 years ago, it unabatedly crosses through booms and busts and bubbles and bailouts, sort of like it didn't even notice those things. Somewhat ironically, what's grown during this time is the percentage that have a bachelor's degree. It's gone from 25 up to 43% so therefore, here we. Are. We've got this generation that's better educated than ever, and yet more of them are stuck down on the launch pad. It's like we built better rockets yet we can't light the fuse. And before I help you make sense of this and tell you what I believe the main force behind it to be, you just got to consider what an unfathomable aberration this has all become. At age 25 James Madison was the key architect of the US Constitution. A lot of constitution signers were in their 20s and 30s. At age 21 Steve Jobs started Apple in a garage at 20 Bill Gates co founded Microsoft at 19 Mark Zuckerberg built Facebook in a dorm room. And sure, some of these are exceptional examples, but these people committed early, and then they figured it out on the fly.   Keith Weinhold  5:59   Well, what about women? The US birth rate has hit an all time record low, because today, nearly half of 30 year old women are still child free. Okay, so some of this is logical. You can connect a few dots here more time in school, yeah, all right, that means later marriages and later kids. Sure, student debt that equals financial Gravity Boots that keep you in place. Urban living means smaller spaces. But when you stack all this together, like I just laid out later, it's not just later anymore. It is really later. That is the huge change that really startles you when you put all of this together and again, remember, over this same time span, 1985 to today, I've mentioned before how the average age of the first time homebuyer has ballooned from 29 up to 40. I mean 40 that can really take some time to sink in. And again, that's just the average in high cost housing areas. This number could be 45 or higher. I mean, sheesh, the starter home is now like a midlife purchase, and it's made right around the time that your back starts to make decisions for you, consider where we are here now, the term home ownership that is increasingly linked to older people. Those things home ownership and older people are increasingly synonymous terms. Now, owning a home, it's like a luxury good for the already established. I mean, it is pretty jaw dropping. And one contributor to these friends is the lack of available housing supply, still a 60 to 70% collapse in some populous northeast states, but really something like that. That's just a small thing. When you amalgamate it all together, it's become cultural really. The bigger trend that underlies this decline in meeting life milestones at age 30 is that long term true inflation exceeds wage increases over the decades, but there are big social shifts too. And by the way, I left my parents home for good at age 23 and some surely do so younger than I did marriage and children, they are the classic triggers to buy a house, and the longer that these type of milestones get postponed, the more likely people are to favor then flexibility over committing to a mortgage, and this then means that there is an elongated renter stage of life. Renters are no longer just passing through they're no longer just graduated from college, renting a year or two and then buying a home. Instead, they are planting flags and really pounding in stakes. And there are countless surveys that show that renters value the ability of being able to relocate without the hassle of having to sell a house. And on top of all of these trends as America ages overall, something really interesting starts to happen. This is why single family rentals have really begun to shine over the past few years, and why you had this Advent and popularity of new build and build to rent rental properties coming onto the market because single families give people the feeling of home and space and privacy and a backyard for the dog, but yet at the same time, it's commitment light, a lighter version. Now apartments benefit too, of course, and for investors, this isn't just. The trend, this is a long term tailwind, fewer life transitions. It means more stable occupancy and longer renter life cycles that lead to fewer turnovers and vacancies and repairs, so less churn, more consistency and better predictability. So the bottom line here is that this delay of life milestones, it's not subtle. It is pretty seismic, and increasingly people say that the American dream no longer even includes home ownership. Demography is destiny, and they must rent from you. And here at GRE we invest like these trends are real, but I really want to emphasize that this elongated renter stage of life really is a long term, long tail phenomenon. And I want to emphasize that because, like I said last week, in the short term, we really aren't seeing any significant rent increases due to that affordability constraint. Now we're nearly five years after America had a big wave of consumer inflation, and that really hurt kind of people this age that I'm talking about, people in their 20s and 30s, that really hurt them the most because they don't own assets that compound with the concurrent asset price inflation, they only had to deal with the bad stuff, the consumer price inflation.    Keith Weinhold  11:30   And as America approaches its 250th birthday, let's think about how this era compares to other decades. And by the way, do you know what a 250th anniversary is called? I put a line about this in my newsletter that I sent you the other day. It is called a semiquincentennial, or, I guess, semi quincentennial. I don't think that anyone's going to be using that word after the fireworks. Semiquincentennial. That sounds like a word that an Economic Committee came up with during a recession to kind of mask a worse problem or something. I suppose that the etymology makes sense. If you break it down, quincentennial would be 500 and semi would be half of 500 in any case, as you try to compare this American era to others, listen to this from the parallel truth. This is about three minutes long, and then I'll come back to comment. It's America by decade, starting all the way back in the 1770s This is a decent summary here, although it can get unnecessarily gloomy at times.   Speaker 2  12:41   Imagine you could live in the United States one decade at a time, not the America you see in movies, not the America in textbooks, but the real America. Let's start with the 1770s the decade of independence. This is not a freedom story, yet. It's a war story. Most people are farmers, roads are mud, medicine is almost nothing. And if you're a young man, your future is simple, fight or starve. Then came the 1800s The decade of expansion. America is still small, but it's hungry, new land, new states, New promises, but there is also growing slavery. Native tribes are being pushed out, and the country is quietly building a conflict it can't avoid. Now it's the 1860s the decade America almost died. There is civil war, Brother versus brother. Cities are burning. If you lived here, you didn't watch history, you survived it. Next is the 1900s The decade of industrial America, factories, railroads, steel, oil. The country becomes a machine. Cities explode with workers, but life is brutal, long hours, dirty air, child labor, you might earn money, but you will pay with your health. It's the 1920s now, the decade of jazz and madness. This is America's first big party decade, cars, radio, Hollywood. Everyone thinks the future is unstoppable. Then came the 1930s the decade the party ended. The Great Depression happens, banks collapse and jobs disappear. People line up for bread. A man with a suit could be broke in one week. This decade teaches America one lesson, that money is not real until it's in your hand. It's the 1940s now the decade America became the world's boss. World War Two turns the US into the world's factory. While Europe is burning, America is building. And when the war ends, America comes out richer than anyone in history. It's the 1950s the decade of the American dream, suburbs, big houses, one salary supports a whole family, TV dinners, new cars, new highways. This is the decade America sells the world the idea of perfect life. Next came 1960s the decade of rebellion, civil rights, Vietnam assassinations, the country feels like it's splitting. You could be hopeful or terrified, sometimes both in the same week, 1970s was the decade the system started breaking, oil crisis, inflation, crime rate, and in 1971 America quietly changes money forever. The dollar stops being backed by gold. From this point onward, America runs on trust. It. The 1980s the decade of Wall Street, America, big business, big spending. The stock market becomes religion. America looks confident again, but the middle class starts weakening slowly. Then came the 1990s the decade America felt unstoppable. The Soviet Union has collapsed and the US feels untouchable. The internet is born. This is the decade where Americans truly believe that they have won. It's the 2000s now the decade of shock, 911, wars, fear, surveillance, then 2008 hits, banks crash, housing collapses, and America learns something painful. The people who caused the crisis don't pay for it. It's the 2000s and 10s, the decade of the digital trap. Social media becomes reality, politics becomes war. Everyone is online, but nobody feels connected. The economy recovers, but normal people don't. And finally, it's the 2020s. The decade, chaos became normal. Pandemic changes everything. Supply chains are collapsing, inflation returns, AI arrives and trust collapses. And by 2026 America is still rich, but it feels exhausted. People are working harder, owning less, and trusting nobody. And the strangest part is that America didn't collapse. It just slowly became a different country, not through invasion, not through revolution, but through decades of small changes that added up to a completely new reality. So the real question is, if you could choose one decade to live in? Which one would you pick?   Keith Weinhold  16:22    Yeah, which decade would you pick to live in? A lot of people say the 1950s where we had, like they touched on there the post war boom and how one salary could support an entire household. Some people say the 1990s because the Cold War ended, we had the start of Wide Internet use, and it's before you had these stark political divisions where people started to put party ahead of country. Now some people would probably say, Are you kidding me? I'd rather live in this decade right here. I can work from home more easily than I ever could have before. And I think you can make valid cases for all of those things. And speaking of this era, a quarter just ended, and we do this quarterly at most. It's our asset class rundown. Year over year, national home prices are only up about half of 1% per the nar 1% Case Shiller and totality, single family rent index shows just 1.3% rent growth. That's year over year. This quarter, the s, p5 100 was down 5% stocks of all types are down largely to the Iran war. The yield on the 10 year treasury note rose from 4.1 up to 4.3% due to higher inflation expectations. Why does that matter so much? That's what influences 30 year mortgage rates, which also rose from 6.2 up to 6.5% West Texas Intermediate oil prices soared from 59 bucks to over 100 last quarter. Gold hit an all time high of 5400 bucks in the quarter, and then fell to about 4600 by the end of the quarter. Other precious metals hit their all time peak. Bitcoin fell from 88k down to 68k That's the asset class rundown. I'll return with Redfin's chief economist, Dr Darrell fairweather and more. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:18   Let me throw out a simple idea. Sometimes doing nothing with your money is actually a decision. Leaving it parked might feel safe, but over time, purchasing power changes. So the conversation isn't about chasing returns, it's about intentionally placing money somewhere. Freedom, family investments works in real estate people use every day. Housing, senior communities, essential properties, things tied to living and not trends. Their freedom notes offering is built for accredited investors looking for structured income backed by real assets, not speculation. I am an investor with them myself. The Freedom team makes themselves available to walk through their approach, structure and operating philosophy so you can ask questions and determine alignment before moving forward. While past performance doesn't guarantee future results, their historical operating philosophy has yielded 100% investor payouts backed by over 20 years of experience. If you want clarity before making any moves, book a clarity call@freedomfamilyinvestments.com or text family to 66 866, text the word family to 66 866,    Keith Weinhold  19:41   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now. Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Robert Helms  20:16   Everybody. It's Robert Helms of the real estate guys radio program, so glad you found Keith Weinhold and get rich education, don't quit your Daydream.   Keith Weinhold  20:35   This week's guest is the chief economist of Redfin during the housing crisis. She worked at the Boston Fed, studying why homeowners enter foreclosure. Since 2023 she served at the Federal Reserve Bank of Dallas. She holds her BS from MIT, and she really knows her way around campuses, because she received her Master's and PhD in Economics at the University of Chicago, where she specialized in behavioral economics, that's interesting. Welcome to GRE. Darrell fairweather,   Daryl Fairweather  21:06   thank you for having me.    Keith Weinhold  21:08   Hey, Daryl. I'd like to get to some of the statistics later in the things that Redfin does and compiles, but tell us about the behavioral side of the housing market that's often so interesting and evencounterintuitive   Daryl Fairweather  21:22   yeah, one of the most interesting things about the housing market is that people get really emotional when making this huge financial decision. It's something that people don't have a lot of practice with. Most people maybe buy a home once or twice in their whole life. There's so much social weight that's put on it. It's the American dream. There's a lot of family pressure, and there's a lot of hurting behavior that can happen. People get swept up in the moment. Maybe they overbid on a home, or maybe they miss out because other people are avoiding the housing market. So it's a really interesting place to both study psychology and economics.   Keith Weinhold  21:56   Sure, most homeowners are just inexperienced at this whole thing. Yeah, behavioral economics, it really has this strong gravity in real estate. Maybe something that you've said touches on what I call the Zestimate illusion. A lot of times, sellers anchor their price to not just the Zillow estimate, but sometimes even the peak sale price in the whole neighborhood, and that's what they think that they should get for their home?   Daryl Fairweather  22:21   Yeah, that does happen quite a bit. And I don't think a lot of people realize how much those estimates can move once a home is listed. The list price tends to move that estimate quite a lot. So it's not a fact. And those estimates don't really know many details about the home, like what upgrades might have happened, or what internally is happening within the home, like if people have gotten new appliances or gotten a new air conditioning system, it doesn't really take those things into account. So you shouldn't just anchor off of the Redfin estimate. You should definitely talk to an agent. Look at the comps. The comps can tell you a lot in terms of what homes have sold for recently, and then track your local market in terms of whether it is going up in value or down in value, because those comps might be a little bit stale, and you have to adjust for where the market is right now.   Keith Weinhold  23:06   There's some really good points there. And when I think of the behavioral side of economics in the real estate market, another nascent thing that comes to mind Darrell, is the rate shock paralysis that really set in in America in 2022 mortgage rates are still historically on the low side. But few people think about it that way. They're really swayed by the recency bias   Daryl Fairweather  23:31   yes. And one thing to take into account, though, is how much home prices have gone up since the last time rates were this high. So if you're looking at the monthly mortgage payment and how much that is compared to people's monthly incomes, it is quite expensive to buy a home. In most metros, you cannot afford to buy a home on the local median income. There's only maybe four metros that are in the middle of the country where it's still affordable to buy a home on a middle class salary. So combined the rate and the price those mortgage payments are still quite expensive, although they have gotten slightly more affordable since last year because rates are slightly lower than last year, they did come up a bit with, you know, oil prices coming up, but still, compared to last year, rates are a bit lower and a bit more affordable to get a home.   Keith Weinhold  24:13   And of course, all this is besides the point that those 2021, mortgage rates, they were born out of a collapsing economy, and I don't think that we really want that either. But yes, to your point about affordability, that's been such a buzzword in the housing market for quite a while, and for good reason. It wasn't very long ago that we reached a 40 year low in affordability. Can you tell us about what can improve affordability next? Darrell or what's most likely to happen? For example, it seems like insurance rate increases have really leveled off.   Daryl Fairweather  24:50   Yes, the reason why affordability is so bad, especially in coastal cities, the places that have the most opportunities, is because of a lack of supply. Existing homeowners, they are fine. They like when their home goes up in value, but it really is a problem for first time homebuyers, when prices just keep climbing and when new housing gets proposed, it's often the existing homeowners who are blocking that housing from getting built, and so supply is constrained. You can see this very clearly in a place like San Francisco, which had a huge economic boom in the 2010s yet housing did not keep up with all of the job opportunities that were coming to the area, and when you have all these people moving in with higher incomes, it drives up prices when there isn't adequate supply. You take Austin as another example. Austin had a huge boom during the pandemic, but supply responded. Builders built, there was a lot of development that happened, and as a result, prices came right back down. They're still above where they were pre pandemic, but nowhere near the heights that we saw back in 2021 so it just goes to show that when you allow supply to get built, it does help keep prices more moderate and keep things more affordable.   Keith Weinhold  25:59   Yes, and nimbyism is rampant, is consumer inflation or some of the other big forces out there, for sure, but yes, this national dearth of supply something that's existed even well before the pandemic, for example, it's bounced back somewhat, but still not quite enough, and it's really part of what, in my opinion, has helped support housing prices, even when mortgage rates tripled back in 2022 Can you tell us more what you believe about the future of housing supply with all the data that you do with there at Redfin Daryl,   Daryl Fairweather  26:37   housing supply improved a bit during the pandemic, but we're still far below What we need in order to make housing more accessible to middle class people. But there are new challenges that are coming. One that you mentioned is insurance. Insurance costs are going up. So even if you have a fixed rate mortgage and you've locked that in, you still have to worry about the rising cost of ownership because of insurance costs are going up. Property taxes are going up in many places, and maintenance costs are increasing. So that is going to make home ownership, and just the cost of ownership in general, whether you're an investor or an owner occupant, more expensive moving forward. And that's going to vary depending on where you are. There going to be some parts of the country where insurance goes up much faster, like in Florida, and other parts where insurance will probably be more stable like in the Midwest and Great Lakes region. So it's important now even more so to really research the neighborhood, research the home, and figure out how those expenses could increase in the future.   Keith Weinhold  27:32   Yeah, here we are in this housing market where, you know, Darrell, I think of it in a lot of ways, is, you know, maybe for three years now, we've largely been stuck in the mud, much of it due to lower supply, where we have a lower overall proportion of both buyers and sellers.   Daryl Fairweather  27:48   Yeah, what's happening right now is really an hangover from the pandemic, because so many people locked in 3% mortgage rates during the pandemic, and if those homeowners were to sell and buy again. Even if they bought the same priced home, they would end up paying more in their monthly mortgage payment because of how much higher mortgage rates are, and that's holding back supply quite significantly. It's the reason why prices have not come down despite rates going up, is because the higher rates are holding back both demand and supply at the same time, and contributing to the overall lack of inventory that's out there,   Keith Weinhold  28:24   this aberration where we have a big proportion of American homeowners living in homes where if they tried to repurchase that home at today's terms, they couldn't even do it. To your point about people not wanting to move, and that's a big reason why they almost can't. They might pay more in rent elsewhere for a like property if they were to sell what they own, if those still locked in terms and Darrell here, I think, you know, our audience is largely real estate investors, a lot of them investing in one to four unit properties. So with what you're seeing there at Redfin. And I think a lot of us know that, yeah, rent growth has been pretty slow as well. What do you see for rents in 2026 and perhaps 2027   Daryl Fairweather  29:08   originally, when we went to go do our predictions for 2026 we said that rents were going to increase this year. Now, I think that rents will continue to stay flat, and that's because there's still a lack of demand for for sale housing. People are staying in the rental market, but people are overall tightening their budgets because they're worried about the economy. They're worried about inflation. So if they can, you know, get roommates or live with family, they're going to choose to do that to keep their overall expenses lower, which will reduce demand for both for sale housing and for rental housing. And I think a lot of home sellers, they've tried to sell their homes. We saw many people try to sell their homes last year and then end up delisting their homes, and they're trying again. We saw more of those people come back in January, but I think those people are going to continue to kind of try to test the market, be a bit disappointed that there isn't enough demand, and then some of. Up for sale housing will end up as rental housing. Just driving around my neighborhood, I see so many rental signs on single family homes that I never saw before, almost more for rent signs, and I'm seeing for sale signs, so that added inventory from these accidental landlords who would like to move but don't want to give up their mortgage rate is going to increase the supply of single family rentals, and that will mean more competition for those investors that are trying to rent out the homes.   Keith Weinhold  30:27   Talk to us about rental occupancy. That's something that we're seeing at a historic low in apartment buildings, for one thing. But can you talk to us about what you see for future occupancy levels of both residential one to fours and apartments. Going forward,   Daryl Fairweather  30:43   a lot of new supply came online during the pandemic, especially in places that build a lot of condos. Many one bedroom or zero bedroom condos got built, and then those are really difficult to rent out, because, you know, they're just not that attractive. We really have more of a shortage of types of housing that's appropriate for families and those one bedroom units that are really targeted at like affluent young people. There aren't that many affluent people right now, so they're they're difficult to rent out. I think that trend is pretty much over. We're not seeing too many more condos being developed because the condos that were developed during the pandemic are still having trouble finding owners or finding renters in those apartment buildings. Now, I think we're going to start to see an uptick in single family rental vacancy, because I think a lot of those people who would like to sell their homes are having trouble selling their homes because of how mortgage rates are and how skittish people are about making a commitment to ownership right now, and they're going to alternatively try to rent out those and that will mean more availability of those rentals and not as much pressure on rents to go up in that segment of the market.   Keith Weinhold  31:51   Woe for the builder that targeted young, affluent types, they don't really exist so much anymore. That's really pretty interesting. Well, Darrell, do you have any last thoughts overall about the housing market? Maybe something I didn't think about asking you that's really important, whether that's for an investor or a prospective homeowner.    Daryl Fairweather  32:12   Yeah, I think if I was an investor right now, I would be paying attention to what economists and housing people call the silver tsunami that's older generations starting to sell their homes. We did a study recently that showed that people who are 70 years and above have as much wealth and housing as middle aged people, which is the first time that group has exceeded in terms of the wealth that they hold. And if you're 70 plus, there's definitely a clock ticking on how long you're going to stay in that home, which means that a lot of new inventory will become available in those homes. They probably need work. They probably need some renovations, and that could be a really great opportunity for an investor to buy a home that maybe has been neglected for a while because it's been a senior living in there who hasn't been really keeping it up to date. You can renovate it and perhaps sell it again to a younger buyer by doing some updates and make a nice profit there.    Speaker 3  33:03   Oh, well, Daryl, this has been a great update laced with plenty of practical things that someone can actually do. Do you have a resource you'd like to share in case our audience would like to connect?   Daryl Fairweather  33:16   Yes, you can find me basically on any social media channel. I'd recommend checking you out on YouTube to start. And then if you would like data on what's happening in your local housing market, you can check out the Redfin data center. Just Google Redfin data center, it'll bring you right there. And you can find lots of local data on your market,   Keith Weinhold  33:34   Daryl Fairweather. It's been great having you here on the show.   Daryl Fairweather  33:37    Thank you.   Keith Weinhold  33:44   Yeah, insightful material from Dr Darrell fairweather today, no end to the housing scarcity in sight. She says, rents continue to stay flat, partly due to this accidental landlord. They didn't plan to be a landlord, but they need to move and yet they don't want to sell the single family home that they got with a good owner occupied financing a few years ago. And the reason that's a headwind for single family investors, because it keeps more rental supply on the market. Last week, I touched on how you should not expect rent increases in the near term, I own a lot of single family rentals myself, and I am not getting rent increases. It's not so much that single family vacancies are high now, but apartment building vacancies are high. That fact alone that actually does hurt the single family rental market a little, because even though a renter might desire a single family, and maybe you think, Well, an apartment couldn't compete with that feeling. But yet, if an apartment is so much cheaper than the single family, and they often are now, well then that renter will go for the cheap apartment instead the one. You can think of Redfin is that they're part Zillow, part real estate agent, and part data company, and they can give you early signals on things like buyer demand and price direction and days on market, those types of indicators. So for the latest housing market research and news, you can do a search for the Redfin data center, and then for Daryl, start on YouTube. You can follow her on x at fairweather PhD, thanks to Dr Darrell fairweather today, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  35:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively to   Keith Weinhold  35:56   the preceding program was brought to you by your home for wealth, building, get richeducation.com  

Stay connected with us at americangroundradio.com, on Facebook, and Instagram. You're listening to American Ground Radio with Louis R. Avallone and Stephen Parr. This is the full show for April 9, 2026. We open with a story that should have every Trump voter picking up the phone and calling their congressman — there's an amnesty bill working its way through the House right now, and it's not just Democrats pushing it. Twenty Republicans have signed on to the Dignidad Act, a bill that would grant permanent legal work status and deportation protection to millions of illegal immigrants, including some convicted of theft, fraud, assault, and domestic violence. We break down exactly what's in it, why the name alone tells you everything, and why this feels like a betrayal of every voter who showed up in 2024 to end the border crisis. Then our American Mama Teri Netterville joins us to talk about a moment that stopped us in our tracks — Melania Trump walked to the White House podium alone, faced the press corps, and told them in no uncertain terms to stop lying about her connection to Jeffrey Epstein. We dig into why this was unlike anything we've ever seen from a First Lady, the media outlets that were forced to publicly retract and apologize, and why Melania's call on Congress to open the Epstein files and let the victims tell their stories may be the most powerful thing to come out of that press conference. We also weigh in on New York City Mayor Zoran Mamdani's broken promise of free buses — and use it as a jumping-off point for a bigger conversation about why socialism always makes the same enormous promises and delivers the same crushing disappointments, every single time, without exception. In our Digging Deep segment, we get into brand new Census Bureau data that tells a story the mainstream media doesn't want to touch. Americans aren't just leaving blue states for red states — they're leaving blue counties for red counties. Los Angeles County lost nearly 700,000 people last year. Cook County lost 320,000. Meanwhile, the suburbs of Dallas, Houston, Austin, and Phoenix are exploding with growth. We walk through the 10 fastest-shrinking counties and the 10 fastest-growing counties in America, and the pattern is impossible to ignore. We also tackle the outrage over the DeCarlos Brown case — the man who stabbed a Ukrainian immigrant to death on a Charlotte train and has now been ruled mentally unfit to stand trial. We get into what the system missed, when it missed it, and why the victim deserves better than a footnote. For our Bright Spot, a Maine parent sued his school district for refusing to let students say the Pledge of Allegiance — and won. We talk about why this matters, what we're losing when we disconnect our kids from the foundations of this country, and why one nation under God, indivisible, is worth fighting for in court if that's what it takes. And we close out with Chris Christie calling the Republican Party morally adrift and principled — well, he used a different word — and the Artemis II astronauts' NASA wake-up playlist on Spotify, which honestly might be the most feel-good story of the week. Listen now wherever you get your podcasts, visit AmericanGroundRadio.com, and join the conversation at 866-AGR-1776! Will Accused Charlotte Train Killer Even Face a Trial? Trump Administration Kills the Most Annoying Car Feature Obama Forced on Drivers 5.4 Million People Have Migrated to Pro-Trump Counties Since 2020 as the Great Divorce Continues Trump Administration Announces 3 Wins and $500M Recovered in ‘War on Fraud’ Wake Up Like An Astronaut: Artemis II Playlist Just DroppedSee omnystudio.com/listener for privacy information.

So much of what is happening these days seems utterly nonsensical, from Trump’s war crime and profanity-laced Easter rant, to the whipsaw on Iran. So, is it simply Occam’s razor, or is there more going on here than we’re led to believe? Since I entered politics, I have chiefly had men’s views confided to me privately. Some of the biggest men in the United States, in the field of commerce and manufacture, are afraid of somebody, are afraid of something. They know that there is a power somewhere so organized, so subtle, so watchful, so interlocked, so complete, so pervasive, that they had better not speak above their breath when they speak in condemnation of it. — President Woodrow Wilson, The New Freedom: A Call for the Emancipation of the Generous Energies of a People (1913) The real truth of the matter is, as you and I know, that a financial element in the larger centers has owned the Government ever since the days of Andrew Jackson — and I am not wholly excepting the Administration of W. W. The country is going through a repetition of Jackson’s fight with the Bank of the United States — only on a far bigger and broader basis. — President Franklin D. Roosevelt, letter to Col. Edward Mandell House (21 November 1933); as quoted in F.D.R.: His Personal Letters, 1928-1945, edited by Elliott Roosevelt (New York: Duell, Sloan and Pearce, 1950), pg. 373 I would suggest nothing we’re seeing, including (especially) the seemingly nonsensical, is ‘accidental’ or coincidental. It is PSYOP/PSWAR, a potent toxic mixture of POSIWID and chaos theory designed and intended to rapidly produce maximum chaos resulting in a ‘Clash of Civilizations‘ and The End of History and the Last Man, to ultimately bring about a ‘Novus Ordo Seclorum’1234 a la Genesis 11 → Genesis 6 → culminating in Psalm 2 → Revelation 19. Links Videos / Clips [x] = Played Trump says Americans against war with Iran are ‘foolish’ [x] 2:00–5:15 [x] 8:33–9:12 ‘Apparently I'm an idiot': Three-time Trump voter in Pennsylvania sounds off on Iran war [x] 3:15–3:45 Lucifer Has a NASA Moon Mission named Artemis. Here’s What They’re Hiding. Headlines [x] = Mentioned / Discussed Trump: “A Whole Civilization with Die Tonight” If President Trump carries out his threat to kill the entire civilization of Iran, he will join the ranks of Cato the Elder, Genghis Khan, Cortez, and other villains in history who chose the policy of destroying an entire civilization. Needless to say, this is not what Washington, Madison, Adams, Jefferson, and Franklin had in mind when they founded the US Constitutional Republic. Members of the US government—as well as We the People—should think about the reflections of multiple Roman authors who regarded the total annihilation of Carthage as an outrage and repudiation of Rome's republican values and virtues. In the Aeneid, Virgil frames the Punic Wars as a fateful conflict initiated by the Punic Queen Dido’s curse on Aeneas’s descendants. I interpret this as Virgil's way of condemning the “unspeakable” destruction of Carthage. The American people should be aware of the fact that if our US government does indeed annihilate the Iranian nation forever, it will certainly have a vast array of terrible consequences for us and for all of mankind. Among other disasters, it is likely that millions of Iranians will be forced to flee to other lands, including those of Europe. Many young men who see their mothers, fathers, brothers, sisters suffer will be animated with a burning desire for revenge. I anticipate great horrors ahead for all of us. Trump's F-Bomb on Iran Joins America's Rollicking History of Presidential Profanity White House Easter egg roll Monday: How to watch live White House Easter Egg Roll honors America’s egg farmers, says President Trump | Fox News [x] Pentagon's new plans in Iran give Trump a way out of war crime accusations – POLITICO [x] Trump threatens to jail journalist who reported on crew's rescue in Iran if they don't reveal source – POLITICO [x] Iran Says US Airman Rescue May Have Been Cover to ‘Steal Enriched Uranium' Artemis ‘Launch’ April Fool’s Day / Easter – Amazing ‘Coincidence’ [x] [Published April Fool's Day! Same as Artemis II 'launch'] Did Van Allen Belts Stop the Moon Landings? Myth vs Fact – FreeAstroScience [x] Artemis II live updates: Nasa astronauts returning to Earth after seeing parts of Moon ‘no human has ever seen' | The Independent Artemis – Wikipedia “Isis, Astarte, Diana, Hecate, Demeter, Kali, Innana…” & Asteroids | Fixed Stars Are the goddesses Ashteroth, Remphan, Isis, Ishtar, Belit, Anahita, Artemis, and Diana the same goddess with different names? – Quora Pan: The Complete Guide to the Greek God of Nature (2023) The Rest [x] = Mentioned / Discussed [x] Deutsche Bank – Wikipedia [x] Deutsche Bank [00:27, 17 May 2024 revision] – Wikipedia [x] Trump family faces high-stakes testimony in Manhattan fraud trial [x] At Trump Org fraud trial, ex-banker recalls ‘hunting' for Trump's business | Courthouse News Service [x] Finra Suspends Trump's Former Personal Banker – AdvisorHub [x] Rosemary Vrablic – Wikipedia [x] Jared Kushner – Wikipedia The thinly sourced theories about Trump's loans and Justice Kennedy's son (Jul 12, 2018) by Salvador Rizzo | The Washington Post [x] Why Trump Is Mentally Unfit to Be President: Pathology of Narcissism (Apr 5, 2017) by Alex Morris | Rolling Stone [x] Taibbi on the Madness of Donald Trump (Sep 19, 2017) by Matt Taibbi | Rolling Stone [x] Donald Trump Is About to Be a Loser, His Lawyers Say (Mar 22, 2023) by Asawin Suebsaeng and Adam Rawnsley | Rolling Stone [x] Donald Trump, Trickster God (Mar 4, 2016) by Corey Pein | The Baffler [x] Kushner and Witkoff – by esc [x] IMEC: Trump's War With Iran Is About Global Trade. Period. [x] What The Iran Attack Is Really All About – Road Warrior Radio [x] Road Warrior Radio with Chris Hinkley, March 10, 2026 Hour 1 – Republic Broadcasting Network [x] Road Warrior Radio with Chris Hinkley, March 10, 2026 Hour 2 – Republic Broadcasting Network On This Day Events April 2026 Calendar of Public Holidays | Office Holidays Holidays and Observances in the United States in 2026 What day is it today? Important events every day ad-free | United States OTD On This Day – What Happened on April 7 Today in History: April 7, Rwandan genocide begins | AP News What Happened on April 7 – On This Day What Happened on April 7 | HISTORY April 7 – Wikipedia What Happened On April 7 In History? 07 | April | 2020 | Executed Today Holidays National Beer Day (United States) Historical Events 2022 – The Senate confirmed Ketanji Brown Jackson – “Pizzagate” judge who was unable to define ‘woman' – to the Supreme Court, securing her place as the court's first Black female justice. 2021 – COVID-19 shenanigans: The Centers for Disease Control and Prevention announces that the SARS-CoV-2 Alpha variant has become the dominant strain of COVID-19 in the United States. 2020 – COVID-19 shenanigans: China ends its lockdown in Wuhan. 2020 – COVID-19 shenanigans: Acting Secretary of the Navy Thomas Modly resigns for his handling of the COVID-19 ‘pandemic’ on USS Theodore Roosevelt and the dismissal of Brett Crozier. 1994 – A day after the presidents of Rwanda and Burundi died in a missile attack on their aircraft, the moderate Hutu prime minister of Rwanda, Agathe Uwilingiyimana, and her husband were killed by Rwandan soldiers; in the 100 days that followed, Hutu extremists slaughtered hundreds of thousands of minority Tutsi and Hutu moderates. 1990 – John Poindexter is convicted for his role in the Iran–Contra affair. In 1991 the convictions are reversed on appeal. 1984 – The Census Bureau reported that Los Angeles had overtaken Chicago as the nation's “second city” in terms of population. 1980 – During the Iran hostage crisis, the United States severs relations with Iran. 1970 – John Wayne wins Best Actor Oscar: The legendary actor John Wayne wins his first—and only—acting Academy Award, for his star turn in the director Henry Hathaway's Western True Grit. Known for his tough, rugged, uniquely American screen persona, Wayne appeared in some 150 movies over the course of his long and storied career. 1969 – The internet is born: With the publication of RFC 1, The Advanced Research Projects Agency (ARPA) awarded a contract to build a precursor of today’s world wide web to BBN Technologies. The date is widely considered as the internet’s symbolic birthday. 1968 – Riots continue in over 100 US cities following the Apr 4 assassination of Martin Luther King Jr. 1966 – The U.S. Navy recovered a hydrogen bomb that the U.S. Air Force had lost in the Mediterranean Sea off Spain following a B-52 crash. 1964 – IBM announces the System/360. 1963 – Tito is made president of Yugoslavia for life: A new Yugoslav constitution proclaims Tito the president for life of the newly named Socialist Federal Republic of Yugoslavia. Formerly known as Josip Broz, Tito was born to a large peasant family in Croatia in 1892. 1961 – JFK lobbies Congress to help save historic sites in Egypt: President John F. Kennedy sends a letter to Congress in which he recommends the U.S. participate in an international campaign to preserve ancient temples and historic monuments in the Nile Valley of Egypt. The campaign, initiated by UNESCO, was designed to save sites threatened by the construction of the Aswan High Dam. 1954 – Domino Theory: President Dwight D. Eisenhower coined one of the most famous Cold War phrases, held a news conference in which he outlined the concept of the “domino theory” as he spoke of the importance of containing the spread of communism in Indochina, saying, “You have a row of dominoes set up, you knock over the first one, and what will happen to the last one is the certainty that it will go over very quickly.” 1953 – Sweden's Dag Hammarskjöld elected U.N. head: By a vote of 57 to 1, Dag Hammarskjöld is elected secretary-general of the United Nations. The son of Hjalmar Hammarskjöld, a former prime minister of Sweden, Dag joined Sweden's foreign ministry in 1947, and in 1951 formally entered the cabinet as deputy foreign minister. 1950 – President Truman receives NSC-68 report, calling for “containing” Soviet expansion: President Harry S. Truman receives National Security Council Paper Number 68 (NSC-68). The report was a group effort, created with input from the Defense Department, the State Department, the CIA, and other interested agencies; NSC-68 formed the basis for America's Cold War policy for the next two decades. 1949 – Tony-winning musical South Pacific opens on Broadway: The Rodgers and Hammerstein musical South Pacific opens at the Majestic Theatre on Broadway in New York City. The romantic musical about World War II, which touches on controversial racial themes, goes on to run for almost five years, becoming one of the most popular musicals of the 1950s. 1948 – World Health Organization established: The WHO, a privately funded United Nations agency front organization, ostensibly concerned with fighting disease and epidemics worldwide, building up national health services, and improving health education in its 194 member states. 1945 – World War II: The Imperial Japanese Navy battleship Yamato, one of the two largest ever constructed, is sunk by United States Navy aircraft during Operation Ten-Go, in Japan's first major counteroffensive in the struggle for Okinawa. Weighing 72,800 tons and outfitted with nine 18.1-inch guns, the battleship Yamato was Japan's only hope of destroying the Allied fleet off the coast of Okinawa. 1943 – The National Football League makes helmets mandatory. 1943 – Holocaust in Ukraine: In Terebovlia, Germans order 1,100 Jews to undress and march through the city to the nearby village of Plebanivka, where they are shot and buried in ditches. 1940 – Tuskegee Institute founder Booker T. Washington becomes the first Black American to be honored with a postage stamp. It will take nearly four decades for a Black woman to receive a similar honor: Harriet Tubman in 1978. 1939 – Benito Mussolini invades Albania, declares an Italian protectorate over Albania and forces King Zog I into exile. 1933 – National Beer Day: Prohibition in the United States is repealed for beer of no more than 3.2% alcohol by weight, eight months before the ratification of the Twenty-first Amendment to the United States Constitution. (Now celebrated as National Beer Day in the United States.) 1927 – First long-distance television transmission: an image of Secretary of Commerce Herbert Hoover is sent from Washington, D.C. to NYC by AT&T 1922 – Teapot Dome Scandal: Interior Secretary Albert B. Fall signed a secret deal to lease U.S. Navy petroleum reserves in Wyoming and California to his friends, oilmen Harry F. Sinclair and Edward L. Doheny, in exchange for cash gifts; Fall would eventually be sentenced to prison on bribery and conspiracy charges in what became known as the Teapot Dome Scandal. 1868 – Thomas D’Arcy McGee, one of the Canadian Fathers of Confederation is assassinated by the Irish, in one of the few Canadian political assassinations, and the only one of a federal politician. 1862 – American Civil War: Battle of Shiloh concludes: Two days of heavy fighting conclude near Pittsburgh Landing in western Tennessee. Union forces led by Gen. Ulysses S. Grant and Maj. Gen. Don Carlos Buell are victorious after the Confederate attack stalled on April 6, and fresh Yankee troops drove the Confederates from the field on April 7. 1832 – The Man Who Sold His Wife: Most modern readers believe Thomas Hardy was plunging into deep fiction when he wrote about a man selling his wife. He wasn’t. Nagging wives needed to be careful in 19th Century England, for, as Hardy recounted in The Mayor of Casterbridge, her husband might put her up for sale. That's just what happened on this day to Mary Thompson, according to a local newspaper report. 1829 – Joseph Smith, Jr., founder of the Latter Day Saint cult, commences translation of the Book of Mormon, with Oliver Cowdery as his scribe. 1827 – First friction match sold: English chemist John Walker produced and sold the first operable matches. They were soon banned in France and Germany because burning fragments would sometimes fall to the floor and start fires. 1805 – German composer Ludwig van Beethoven premieres his Third Symphony, at the Theater an der Wien in Vienna 1805 – Lewis and Clark depart Fort Mandan: After a long winter, the Lewis and Clark expedition departs its camp among the Mandan tribe and resumes its journey West. The Corps of Discovery had begun its voyage the previous spring, and it arrived at the large Mandan and Minnetaree villages along the upper Missouri River (north of present-day Bismarck, North Dakota) in late October. 1798 – The Mississippi Territory is organized from disputed territory claimed by both the United States and the Spanish Empire. It is expanded in 1804 and again in 1812. 1788 – American Pioneers to the Northwest Territory arrive at the confluence of the Ohio and Muskingum rivers, establishing Marietta, Ohio, as the first permanent American settlement of the new United States in the Northwest Territory, and opening the westward expansion of the new country. 1776 – Captain John Barry and the USS Lexington captures the Edward. 1739 – Dick Turpin is executed in England for horse stealing 1724 – Johann Sebastian Bach’s St. John Passion premiered: St. John’s Passion premieres on Good Friday at St. Nicholas Church in Leipzig, Electorate of Saxony (now Germany). The sacred oratorio is the oldest extant Passion by the German composer. The highly popular work is a dramatization of the final days of Jesus Christ, according to the Gospel of John. 1521 – Ferdinand Magellan arrives at Cebu. 529 – First draft of Corpus Juris Civilis or the Justinian Code (a fundamental work in jurisprudence) is issued by Eastern Roman Emperor Justinian I 451 – Attila the Hun captures Metz in France, killing most of its inhabitants and burning the town. 30 – Scholars estimate for the crucifixion of Jesus by Roman troops at the behest of Jewish leadership (Caiaphas the high priest, chief priests, scribes, elders) on Golgotha outside Jerusalem [or April 3] Births 1964 – Russell Crowe, New Zealand/Australian actor, singer, producer 1954 – Jackie Chan, Hong Kong-born actor and director noted for acrobatic stunt work in hits like “The Young Master” and the “Rush Hour” series. 1939 – Francis Ford Coppola, American director, producer, screenwriter 1938 – Jerry Brown, American lawyer and politician, 34th and 39th Governor of California 1931 – Daniel Ellsberg, American activist and author (died 2023) 1928 – James Garner, American actor, singer, and producer (died 2014) 1920 – Ravi Shankar, Indian/American sitar player, composer (died 2012) 1915 – Billie Holiday, American Jazz singer-songwriter, actress whose soulful intensity earned her the nickname “Lady Day.” Signature hits like “Strange Fruit” and “God Bless the Child.” (died 1959) 1897 – Walter Winchell, American journalist and radio host (died 1972) 1893 – Allen Dulles, American lawyer and diplomat, 5th Director of Central Intelligence (died 1969) 1890 – Marjory Stoneman Douglas, journalist, conservationist, activist best known for her advocacy for the preservation of Florida’s Everglades region. (died 1998) 1860 – Will Keith Kellogg, American businessman, ardent eugenicist, Seventh-day Adventist cult member, founded the Kellogg Company (died 1951) 1772 – Charles Fourier, French philosopher, communist (died 1837) 1770 – William Wordsworth, English poet (died 1850) Deaths 1947 – Henry Ford, American businessman, founded the Ford Motor Company (born 1863) 1928 – Alexander Bogdanov, Russian physician, philosopher, and author (born 1873) 1891 – P. T. Barnum, American businessman, co-founded Ringling Bros., Barnum & Bailey Circus (born 1810) 1804 – Toussaint Louverture, Haitian general (born 1743) 1733 – Samuel Partridge, very stupid and unconcern'd From the New England Weekly Journal, July 23, 1733 — a three-month-old news item (part of a roundup of dated minor dispatches) that had to cross the Atlantic from the mother country. Ipswich, April 7. Last Saturday Samuel Partridge was executed here, for robbing Mr. Barwell of Brockley in this City, of 31l, 10s., a Horse, and other Things, in Company with another Person not yet taken. He said he was born at Debden in Suffolk, that he was about 22 years of Age, and was brought up in Husbandry; he appeared to be very illiterate, for he could neither read nor write, and was entirely ignorant of the first Principles of Christianity. He denied the Fact for which he suffered, and said he was perswaded to own the Robbery by a Soldier that was in Halsted Bridewell with him, he telling him, that if he confessed the Fact he would come off very well; and that he advised him to say, that he had made use of a Bolt instead of a Pistol, and that he had hid it in a certain Place, where it was found according to his Direction. At the Place of Execution he seemed very stupid and unconcern'd; only, as directed, he called on God for Mercy when he was turned off. Elon Musk Tweets ‘Novus Ordo Seclorum' After Donald Trump Wins Reelection. MAGA Is The Pied Piper – winepressnews.com ↩ Novus Ordo Seclorum – History of Motto on Great Seal’s Unfinished Pyramid ↩ Novus ordo seclorum – Wikipedia ↩ Annuit cœptis – Wikipedia ↩

Kevin covers and talks about the following stories: payroll processing company ADP reported Private Sector Employment Growth; while at the Mid-America Trucking Show last week Julie Wright, North American Marketing Manager, Shell Rotella stopped by to talk about Shell Rotella SuperRigs June 25 - 27 in Bristol TN., also the Your Truck Your Call Initiative; the U.S. Commerce Department's Census Bureau reported Retail Sales and Core Retail Sales; the Institute for Supply Management released their Survey of Manufacturing Purchasing Managers; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinion.See omnystudio.com/listener for privacy information.

Kevin covers and talks about the following stories: payroll processing company ADP reported Private Sector Employment Growth; while at the Mid-America Trucking Show last week Julie Wright, North American Marketing Manager, Shell Rotella stopped by to talk about Shell Rotella SuperRigs June 25 - 27 in Bristol TN., also the Your Truck Your Call Initiative; the U.S. Commerce Department's Census Bureau reported Retail Sales and Core Retail Sales; the Institute for Supply Management released their Survey of Manufacturing Purchasing Managers; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinion.See omnystudio.com/listener for privacy information.

Kevin covers and talks about the following stories: payroll processing company ADP reported Private Sector Employment Growth; while at the Mid-America Trucking Show last week Julie Wright, North American Marketing Manager, Shell Rotella stopped by to talk about Shell Rotella SuperRigs June 25 - 27 in Bristol TN., also the Your Truck Your Call Initiative; the U.S. Commerce Department's Census Bureau reported Retail Sales and Core Retail Sales; the Institute for Supply Management released their Survey of Manufacturing Purchasing Managers; Kevin has the details, digs into the data, puts the information into historical perspective, offers his insights and opinion.

The dominant structural shift highlighted is the movement of value from AI-driven features to the ownership and governance of the control plane—specifically, entities that set boundaries, maintain proof, and keep automated workflows within defined limits. This shift is evidenced by workforce polling from Quinnipiac University, business formation trends tracked by the Bank of America Institute and Census Bureau data, and product launches from vendors like TeamViewer and KnowBefore. These developments underscore a growing reliance on automation where traditional human oversight is minimized, and technology increasingly assumes direct control over work execution. The episode details workforce sentiment, citing a Quinnipiac University poll where only 15% of respondents expressed willingness to work for an AI boss, and 70% anticipated AI would reduce job opportunities. Bank of America Institute data notes a 15% year-over-year increase in high propensity businesses—those likely to launch—while businesses planning to hire have fallen by 4%. TeamViewer has introduced TIA Reporting, which generates dashboards via natural language prompts, reducing specialist requirements. KnowBefore's ADA Orchestration automates security awareness scheduling and execution, reportedly shortening setup times from hours to seconds. These examples show how vendors are deploying AI tools that replace specific manual oversight with algorithmic management. Supporting developments reinforce the governance gap. According to a CIO Dive report, 96% of C-suite leaders expect productivity gains from AI, yet 77% of employees report increased workloads, signaling misalignment between leadership intent and actual outcomes. Tech Bullion reveals 60% of organizations have AI integrated in at least one core function, with 65% using generative AI regularly, but fewer than a quarter have operationalized ethical AI frameworks. The Verge covers enhancements to Anthropics' tools that embed guardrails where organizational controls are lacking. Additional survey data from TechCrunch shows that usage of AI is growing while trust in its outputs remains weak; only 24% of respondents trust AI most of the time. Operationally, the implication is clear for MSPs and IT leaders: as organizations reduce human oversight and delegate more work to automation, the auditability, accountability, and control of automated workflows become direct contractual risk. Control layers—such as logging, exception handling, approval thresholds—must be productized and priced, not treated as informal advisory work. Liability for automation failures must be clearly assigned and managed through contractual terms, with automation incident response separated from standard support. Without enforceable governance and evidence of control, MSPs risk absorbing unpaid remediation work as clients expect both automation benefits and assurance of outcome. 00:00 Bossless Workforce 03:22 AI, No Guardrails 05:45 Govern or Absorb 08:41 Why Do We Care?  Supported by:  Nerdio HaloPSA  

In this episode of John Solomon Reports, we tackle the critical connection between the open border policies under the Biden administration and the rampant fraud in entitlement programs that are being exploited by individuals posing as refugees. As we examine the alarming developments in states like Minnesota and California, we hear from Chairman of the House Oversight Committee, James Comer, who has been at the forefront of investigating these issues. Comer reveals how the fraudulent activities are part of a larger Democratic strategy to manipulate federal fund distribution and gain political power through sanctuary cities.We also discuss the recent findings from the U.S. Census Bureau, where errors in the 2020 census disproportionately favored Democratic states, potentially costing Republican states several House seats. This powerful allegation underscores the ongoing battle for political clout and representation in America.In the middle segment, we welcome national security expert Gordon Chang to discuss the implications of China gaining access to multiple states' voter registration databases back in 2020. He provides insights into how this intrusion could affect the upcoming elections and what measures we can take to safeguard our electoral processes.Finally, we have a conversation with country music artist Natasha Owens, who has defied the odds in the face of cancel culture. Owens shares her journey of creating music that aligns with her values while bypassing traditional media blockades, inspiring other artists to do the same.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Archive, Bios, Description, and Transcripts for Episode 152: New Opportunities for Job Success for Workers who are Blind: The Monarch Rise Project https://adalive.org/episodes/episode-152/ The employment rate of adults with low vision or blindness (52%) is significantly less than the general population of working-age adults (76%). This data from the U.S. Census Bureau and the National Research and Training Center on Blindness and Low Vision reveals an overall 24 percent gap in employment. (Data Source: bit.ly/4rFq2cB) One group trying to close this employment gap is the American Printing House for the Blind, or APH, located in Louisville, Kentucky. In this episode we talk with Erin Sigmund, the Director of an APH project called Monarch RISE. We will discuss the ways Monarch RISE empowers project participants to achieve and sustain competitive integrated employment (CIE). Later in this episode, we will hear from two of the project's participants, Tim Emmons and Bill Adams, about their experiences.

Population growth is slowing in most counties in the U.S., according to new population estimates from the Census Bureau. During that time, 310 of the 387 U.S. metro areas had slower population growth, with dramatic declines along the U.S.-Mexico border. This largely has to do with a big decrease in net international migration. Then, later in the program, we have a deep dive into the current state of the pawn shop economy.

Population growth is slowing in most counties in the U.S., according to new population estimates from the Census Bureau. During that time, 310 of the 387 U.S. metro areas had slower population growth, with dramatic declines along the U.S.-Mexico border. This largely has to do with a big decrease in net international migration. Then, later in the program, we have a deep dive into the current state of the pawn shop economy.

The news of Texas covered today includes:Our Lone Star story of the day: The U.S. Census Bureau has released new numbers and while Texas urban areas continue to grow, a bit slower, Dallas County actually lost residents. People, and businesses, keep choosing to move to the exurban areas over the Democrat dominated, and poorly run, core cities. “Among some of the largest metro areas, the fastest-growing counties tended to be on the outer edges, a pattern especially pronounced in Texas,” the Census Bureau reported today.Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Texas House of Reps. leader, founder of the BurrowCrat coalition, Dustin Burrows released a very long list of interim study charges for House committees. He also created three new committees – and the unwieldy bureaucracy of the Texas House just grows and grows so that enough members get fancier titles and a little more budget money.Embattled Johnson County sheriff to be arrested for aggravated perjury in connection with sexual harassment allegations.Wichita Falls lawyer among those discipline by the Texas Bar.Fifth Circuit revives homebuilder's Sherman Act antitrust suit against Mansfield. Mansfield has acted as a monopoly outside its own city limits in the often abused extraterritorial jurisdiction.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.     www.PrattonTexas.com

Kevin covers the following stories: Nebraska needs truckers for emergency efforts and is offering a fuel stipend; a southern Governor suspends motor fuel taxes for 60 days; last week the U.S. Census Bureau and Department of Housing and Urban Development reported January New-Home Sales; yesterday the Census Bureau reported January Construction Spending; the U.S. Department of Transportation (DOT) outlined Trump's highway policy and funding goals to the U.S. Chamber of Commerce; oil and gas prices continue to react to the developments in the War with Iran and the Strait of Hormuz; after strong denials by the Speaker of Iran's Parliament, guess who's coming to the negotiating table; Kevin has the details, digs into the details, puts the information into historical perspective, offers his insights and a few opinions along the way. See omnystudio.com/listener for privacy information.

Kevin covers the following stories: Nebraska needs truckers for emergency efforts and is offering a fuel stipend; a southern Governor suspends motor fuel taxes for 60 days; last week the U.S. Census Bureau and Department of Housing and Urban Development reported January New-Home Sales; yesterday the Census Bureau reported January Construction Spending; the U.S. Department of Transportation (DOT) outlined Trump's highway policy and funding goals to the U.S. Chamber of Commerce; oil and gas prices continue to react to the developments in the War with Iran and the Strait of Hormuz; after strong denials by the Speaker of Iran's Parliament, guess who's coming to the negotiating table; Kevin has the details, digs into the details, puts the information into historical perspective, offers his insights and a few opinions along the way. See omnystudio.com/listener for privacy information.

Kevin covers the following stories: the Federal Reserve announces their decision on interest rates; the U.S. Bureau of Labor Statistics reported the Producer Price Index and Core Producer Price Index; the U.S. Commerce Department's Census Bureau reported New Factory Orders; this past Monday, the U.S. Transportation Department's, rules regarding asylum seekers, refugees, DACA recipients obtaining CDLs went into effect; Kevin has the details, sifts through the data, puts the information into historical perspective, offers his insights and opinions. See omnystudio.com/listener for privacy information.

In February 1975, nine-year-old Marcia Trimble vanished while delivering Girl Scout cookies in Nashville's Green Hills neighborhood, shattering the sense of safety surrounding one of the city's most affluent communities. Her disappearance and murder became one of Tennessee's most haunting cold cases, marked by suspicion, unanswered questions, and a mystery that lingered for decades. Join the Community on Patreon: Want more Southern Mysteries? You can hear the Southern Mysteries show archive of 60+ episodes along with Patron exclusive podcast, Audacious: Tales of American Crime and more when you become a patron of the show. You can immediately access exclusive content now at patreon.com/southernmysteries

In this episode, host Michael dives into the controversy surrounding the 2020 census, specifically the Census Bureau's use of differential privacy and whole person imputation. He discusses the landmark lawsuit, USFCR vs. Lutnik, and the allegations of a manipulated census count. Michael breaks down the two main issues: how the Census Bureau decided who gets counted when it couldn't find them, and how they decided what numbers to publish. He also touches on the implications of this on the electoral college count and federal funding.See omnystudio.com/listener for privacy information.

In this episode of John Solomon Reports, we dive into critical legal battles shaping election integrity across the nation. Kicking off the show, Tennessee Attorney General Jonathan Skrmetti discusses his groundbreaking Supreme Court victory aimed at protecting children from controversial transgender surgeries and enhancing online safety for minors.Next, Missouri Attorney General Catherine Hanaway joins the conversation to elaborate on her lawsuit against the Census Bureau, which challenges the inclusion of illegal aliens in the 2020 census for apportionment purposes. Hanaway argues that this practice undermines the integrity of congressional representation and federal fund distribution, potentially flipping numerous districts from Democrat to Republican.John Solomon emphasizes the significance of three pivotal cases currently in the courts that could redefine election integrity: Louisiana's challenge to racially gerrymandered districts, Mississippi's push to enforce Election Day vote counting, and Missouri's case regarding the Census Bureau. Together, these cases form a crucial framework for addressing electoral fairness.In the latter part of the episode, Mike Howell from the Oversight Project shares insights on the recent release of individuals who received auto pardons from President Biden, shedding light on the implications of these actions.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Credit scores are pretty mysterious, but they also shape your economic destiny. It determines where you can live, what you can buy, and sometimes even what job you can get. But how do credit bureaus come up with these all-encompassing numbers? This President's Day we turn to KUOW's newest podcast Control F where host Teo Popescu tells host Clare McGrane about the data that credit scores feed on and how little we really know about how they're calculated. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online. Sources in this episode: Creditworthy: A history of consumer surveillance and financial identity in America, Josh Lauer, 2024 Credit Access in the U.S., U.S. Census Bureau, 2025 Affordable credit poised to save consumers billions, Alex Horowitz, Pew Charitable Trusts, 2023 WA’s new ban on medical debt in credit reports at risk of federal override, Jake Goldstein-Street, Washington State Standard, 2025 Interview with Josh Lauer, Author of Creditworthy Interview with Alex Horowitz, Project Director at Pew Charitable Trusts Interview with Maya Lau, Host of Other People’s Pockets Interview with Jazmin, founder of Budget with Jazmin See omnystudio.com/listener for privacy information.

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  26:51   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureConspiracy no more, the D’s in Mass want to limit miles people can drive because of climate change. Biden/Obama forces electrical prices higher, Trump is now bringing the prices down and AI datacenters will be powered separately. The [CB] awakening has begun. Sometime you need to show the people the truth. The world is changing, Trump has shutdown the money supply around the world, the [DS] is in a deep panic and soon the people of Iran will take back their own country. As the [DS] criminal syndicate falls apart are they planning an armed civil war? Trump admin designates the Muslim Brotherhood a terrorist organization, other chapters to follow. In the end the Patriots have full control, once the chaos begins the partios will round them all up, it will be clean and swift. Economy https://twitter.com/libsoftiktok/status/2010831605430976627?s=20  Telecommunications, Utilities, & Energy and now heads to the Senate Ways and Means Committee (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");    major changes beginning this week to ensure that Americans don't “pick up the tab” for their POWER consumption, in the form of paying higher Utility bills. We are the “HOTTEST” Country in the World, and Number One in AI. Data Centers are key to that boom, and keeping Americans FREE and SECURE but, the big Technology Companies who build them must “pay their own way.” Thank you, and congratulations to Microsoft. More to come soon! President DJT Trump Will Request to Limit Credit Card Interest Rates to 10% for One Year to Combat the Scams of the Big Financial Companies   Trump Administration. Thank you for your attention to this matter. MAKE AMERICA GREAT AGAIN! PRESIDENT DONALD J. TRUMP This initiative is a great for reversing the damage caused by leftist policies that prioritized uncontrolled spending and galloping inflation over the well-being of the working people. Under the Biden administration, credit card interest rates skyrocketed, reaching an average of 21.5 % in 2024, according to data from the Federal Reserve Bank, exacerbated by inflation that reached peaks of 9 % in 2022. This escalation was not an accident, but the direct result of Democratic policies that injected trillions in unnecessary stimuli, increasing the national debt and forcing the Fed to raise base rates to contain the crisis. Source:  gatewayhispanic.com  https://twitter.com/truflation/status/2011071380175860037?s=20   price data has been showing  https://twitter.com/julie_kelly2/status/2010924086981984640?s=20 https://twitter.com/DrJStrategy/status/2011032604313518251?s=20  a hoax. What Powell actually did •Powell chose to go public with a dramatic video statement saying DOJ subpoenas “threatened a criminal indictment” over his testimony on the Fed's multibillion‑dollar building renovations. •He explicitly framed the subpoenas as “pretexts” and cast them as retaliation for the Fed setting rates independently of the president, elevating a renovation/cost‑overrun inquiry into an existential attack on central bank independence. The framing of criminal indictment came from Powell! In what look liked a scripted response, all of the Fed acolytes on Wall St cried foul, they bought in hook line and sinker!!! What the U.S. Attorney is saying •The U.S. Attorney's Office for D.C. has stated they contacted the Fed “on multiple occasions” about cost overruns and Powell's congressional testimony, were ignored, and therefore resorted to formal legal process, which they stress “is not a threat.” •Jeanine Pirro has been explicit that “the word ‘indictment' has come out of Mr. Powell's mouth, no one else's,” and that “none of this would have happened if they had just responded to our outreach.” “Above the law” behaviour. •Powell now publicly insists “no one is above the law,” even as the record shows the Fed disregarded informal outreach and only engaged once grand jury subpoenas landed, which is the opposite of transparent cooperation. Recall Choke Point 2.0 and the unbanking of individuals. •By recasting a straightforward question of cost overruns and possible misstatements to Congress as an illegitimate “criminal indictment threat,” Powell is effectively demanding a special zone of immunity wrapped in the rhetoric of independence. Why central bankers are “charging the hill” •Former Fed chairs and global monetary grandees have rushed out statements condemning the probe as an attack on Fed independence, treating any prosecutorial look at a central banker as inherently out of bounds. The former Fed officials' statement is doing exactly what the “51 intel officials” letter did on the Hunter Biden laptop: using elite signatures to launder a political narrative into institutional dogma and declare scrutiny itself illegitimate. Powell and his allies are recasting a narrow DOJ inquiry into cost overruns and testimony accuracy as an existential assault on “independence,” and an all‑too‑willing media is once again treating the letter as revealed truth instead of asking hard questions This closes ranks around the idea that central banks sit on a higher plane than normal agencies, immune not only from political pressure on rates, which is legitimate, but also from standard legal and fiscal oversight, which is not. MSM and the death of the 4th estate •Much of legacy media has adopted Powell's framing almost verbatim: “unprecedented attack on independence,” “monetary policy under assault,” while relegating the core factual dispute,ignored outreach, cost overruns, accuracy of testimony, to secondary status. Powell and the central banking crowd are behaving in a way that is frankly odd: they stonewall basic oversight, scream “independence” the moment anyone reaches for legal tools, and act as though they stand above the law—while a compliant MSM gladly carries their narrative, proof the fourth estate has checked out. All of this does not meet the smell test. Is the Fed above the US Constitution? Why did Powell go public and choose the framing that he did? Why did MSM and so called objective pundits not do any objective analysis. Smells like elements of a Russia Russia Russia hoax strategy to me. https://twitter.com/MetaLawMan/status/2010816276508082343?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2010816276508082343%7Ctwgr%5E6585e9ff019ea8191354a3bf06c918cdfd10f00c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fjoehoft.com%2Fcorrupt-fed-head-jerome-powell-added-trillions-in-unnecessary-us-debt%2F   service of a subpoena on the Fed is not a threat to indict him. Subpoenas are investigative tools. It's possible that the government separately advised Powell that he was a “target” of the investigation, but he didn't say that. 3. Nowhere in the statement does Powell say his testimony to Congress about the Fed construction project was truthful and accurate. https://twitter.com/USAttyPirro/status/2010886969518170452?s=20  Powell's mouth, no one else's. None of this would have happened if they had just responded to our outreach. This office makes decisions based on the merits, nothing more and nothing less. We agree with the chairman of the Federal Reserve that no one is above the law, and that is why we expect his full cooperation. Political/Rights https://twitter.com/DailyCaller/status/2011107269585616922?s=20 https://twitter.com/RapidResponse47/status/2011108530842108290?s=20 https://twitter.com/DHSgov/status/2010742739562901678?s=20   Procedure is same used in any location, such as hospital etc. https://twitter.com/nicksortor/status/2011067479603257616?s=20 https://twitter.com/CynicalPublius/status/2011085032606102012?s=20  American law and the accompanying reduction in crime. However, there are a few certain locations where law enforcement refuses to assist in law enforcement, and the local politicians and a base of Marxist-organized civilians actively oppose (sometimes violently) ICE’s lawful operations. It’s those latter locations, few in number but outsized in media reporting–all run by Democrats–that give a false impression as to how much Americans appreciate getting what they voted for. https://twitter.com/KCPayTreeIt/status/2010475982038147336?s=20 DOGE Geopolitical https://twitter.com/sentdefender/status/2010965644867485898?s=20   Tehran, according to the Wall Street Journal https://twitter.com/MarioNawfal/status/2011029585161568307?s=20 lowballing. In 2019 they said 230 died, Reuters reported 1,500. Iran International estimated 2,000+ last week based on hospital reports and morgue footage. Now the regime’s confirming it. But they’re framing it as “terrorists killed these people” not “we shot 2,000 protesters.” That’s the setup for mass trials and executions. 2,000 dead in 2 weeks. That’s 140+ per day. During a communications blackout. In a country claiming it has “total control.” Source: Reuters, Iranian official https://twitter.com/IranIntl_En/status/2011018647255322754?s=20   a coordinated blackout aimed not only at security control but at concealing the truth, reflected in internet cuts, crippled communications, media shutdowns, and the intimidation of journalists and witnesses. Publication was delayed until the evidence converged. The assessment is based on a multi-stage review of information from a source close to the Supreme National Security Council; two sources in the presidential office; accounts from several sources within the Islamic Revolutionary Guard Corps in Mashhad, Kermanshah and Isfahan; testimonies from eyewitnesses and families of those killed; field reports; data linked to medical centers; and information provided by doctors and nurses in multiple cities.  Trump administration designates 3 Muslim Brotherhood branches as terrorist organizations   The Trump administration labeled three Muslim Brotherhood branches as terrorist organizations on Tuesday, imposing sanctions on them and their members. The Lebanese, Jordanian and Egyptian chapters of the Muslim Brotherhood pose a risk to the United States and American interests, according to the Treasury and State departments. “These designations reflect the opening actions of an ongoing, sustained effort to thwart Muslim Brotherhood chapters' violence and destabilization wherever it occurs,” Secretary of State Marco Rubio said in a statement obtained by The Associated Press. “The United States will use all available tools to deprive these Muslim Brotherhood chapters of the resources to engage in or support terrorism.” The Jordanian and Egyptian branches were designated by the Treasury as specifically designated global terrorists for providing support to Hamas. The Lebanese branch was labeled a foreign terrorist organization, which is the most severe, meaning it is a criminal offense to provide material support to the group. Source;  wsbt.com  Rubio Designates Egyptian, Jordanian and Lebanese Chapters of Muslim Brotherhood as Foreign Terrorist Organizations Keep in mind the Muslim Brotherhood is the fabric on the umbrella of political Islam. Each faction represents and individual spline on the umbrella construct, but the Muslim Brotherhood overall is a political extremist system for various levels of authentic Islam. The regional chapters that really matter, the difficult ones to navigate will be in Qatar, Syria and especially the Turkish factions. These are more politically connected to the home government interests. Source: theconservativetreehouse.com 1237 Apr 22, 2018 1:31:31 AM EDT Q !xowAT4Z3VQ ID: 3e4934 No. 1141069  “The process of settlement is a ‘Civilization-Jihadist Process' with all the word means. The Ikhwan [MUSLIM BROTHERHOOD] must understand that their work in America is a kind of grand jihad in eliminating and destroying the Western civilization from within and ‘sabotaging' its miserable house by their hands and the hands of the believers…” https://clarionproject.org/muslim_brotherhood_explanatory_memorandum/ Q 3881 Q !!Hs1Jq13jV6 ID: b03e04 No.8238822 Feb 24 2020 20:36:43 (EST) EMHyS2xXkAA8JrB.png https://twitter.com/cain_nate/status/1231066589996318720 Listen carefully. Think: re: why [no] arrests (justice) yet? What if (almost) every critical position [sr] within the US GOV apparatus was infiltrated? WHAT MUST BE DONE FIRST? THE SWAMP RUNS DEEP. +Sleepers Backgrounds are important. Muslim Brotherhood List of ‘in the news now [names]‘ w/ known ties to Islam? THIS IS NOT ANOTHER 4-YEAR ELECTION. [assumptions correct – package well rec [known]] Q https://twitter.com/WhiteHouse/status/2010902536757162398?s=20 765 Feb 15, 2018 1:08:41 AM EST Q !UW.yye1fxo ID: 276796 No. 382161  WATCH THE WATER. Q War/Peace Medical/False Flags [DS] Agenda https://twitter.com/MrAndyNgo/status/2010746570853990773?s=20 https://twitter.com/EndWokeness/status/2010419447987937370?s=20 Antifa TikTok Agitator Urges Armed Leftist Militias to ‘Fight' ICE Agents Radical TikTok agitator Danesh Noshirvan has crossed a dangerous line. The Antifa-aligned mega influencer is now openly calling for organized, armed left-wing militias to confront ICE agents and federal law enforcement in America's largest cities. Danesh Noshirvan is directly linked to Scott Dworkin, founder of the Democratic Coalition Against Donald Trump. According to reports, Dworkin and even foreign interests bankroll Noshirvan's activities. Source: thegatewaypundit.com https://twitter.com/libsoftiktok/status/2010988104853659986?s=20 https://twitter.com/nicksortor/status/2010833162151346316?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2010833162151346316%7Ctwgr%5Ec535903544267d9392f4466181097498d09593a1%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fnew-minnesota-ag-keith-ellison-minneapolis-mayor-jacob%2F   should be in JAIL. Treasury Secretary Scott Bessent Says There Are “DISTURBING TAPES” of Minnesota AG Keith Ellison Taking Money to Stop Investigations Into Somali Fraud   the U.S. Treasury Secretary confirmed that federal authorities are aggressively “following the money” amid explosive fraud investigations tied to Minnesota's sprawling Somali-linked financial networks. According to Bessent, the Treasury Department has launched multiple enforcement actions focused on suspicious financial flows between Minnesota residents and businesses and overseas destinations, including East Africa, as the federal government intensifies its immigration and fraud crackdown in the state. But the real bombshell dropped during an interview with Blaze: Scott Bessent:“It's hard to follow the money. There are evidently some disturbing tapes of AG Ellison in meetings with people who donated to him—calling for political favors to stop the investigations. We'll see. I don't want to get out ahead of the investigation. It's going to be very methodical. But I can guarantee you—when the bear trap snaps, we're going to get these folks. We're going to follow the money, whether it's here in Minneapolis and St. Paul or over in East Africa. There are tons of luxury properties and cars that have been bought over there.” WATCH: Source: thegatewaypundit.com    Countries who illegally entered the USA though Sleepy Joe Biden's HORRIBLE Open Border's Policy. Every place we go, crime comes down. In Chicago, despite a weak and incompetent Governor and Mayor fighting us all the way, a big improvement was made. Thousands of Criminals were removed! Minnesota Democrats love the unrest that anarchists and professional agitators are causing because it gets the spotlight off of the 19 Billion Dollars that was stolen by really bad and deranged people. FEAR NOT, GREAT PEOPLE OF MINNESOTA, THE DAY OF RECKONING & RETRIBUTION IS COMING! Minnesota’s total population as of July 1, 2024, is estimated at 5,793,151.  Approximately 8% of the state’s population is foreign-born, meaning about 463,452 individuals, while 92% (around 5,329,699) are native-born (U.S.-born). Minnesota is home to the largest Somali-American population in the United States, with people of Somali descent making up a notable ethnic group.  Recent estimates from the U.S. Census Bureau’s American Community Survey (ACS) for 2024 put the number of individuals of Somali descent in Minnesota at around 107,000 to 108,000, representing about 1.85% of the state’s total population.  (Note: Some sources provide slightly varying figures, such as 76,000 as a lower estimate, but the ACS data consistently points to the higher range. )Breakdown Within the Somali Population in MinnesotaThe Somali community in Minnesota includes both U.S.-born individuals and foreign-born immigrants or refugees. Here’s a detailed split based on nativity and citizenship status:  https://twitter.com/DataRepublican/status/1919002207896174765?s=20  or his NGOs appeared in the Journal of Democracy. It’s the flagship journal of the National Endowment for Democracy (NED), the same organization featured prominently in that widely circulated “Uniparty NGO” network diagrams below. NED is a U.S. government-funded outfit. It includes currently sitting members of Congress on its board… from both parties, not just former officials. Soros's involvement is deep. He has co-chaired NED conferences abroad and his Open Society NGOs regularly partner with NED operations, especially in countries undergoing “transitions” (read: regime change or soft power penetration). Together, Soros and US-backed NGOs have shaped funding pipelines, media narratives, and even foreign electoral strategies. So when people ask, “Why isn't Soros banned?” … they need to understand: he’s not an outsider. He’s part of our government. The Uniparty protects and partners with him, because he helps carry out a shared foreign policy vision… the same one that labels President Trump as a threat to democracy. NED members include:    Victoria Nuland – Director of the National Endowment for Democracy; Acting United States Deputy Secretary of State under Biden (served in both parties).   Karen Bass – Vice Chair of the National Endowment for Democracy; former U.S. Representative and current Mayor of Los Angeles (Democrat).    Todd Young – Honorary at the National Endowment for Democracy; U.S. Senator from Indiana (Republican).    Elise Stefanik – Director at the National Endowment for Democracy; U.S. Representative from New York and House GOP Conference Chair (Republican).   Mel Martinez – Director at the National Endowment for Democracy; former U.S. Senator from Florida (Republican).   Steve Biegun – Director at the National Endowment for Democracy; former U.S. Deputy Secretary of State (Republican).    Todd Young – Honorary at the National Endowment for Democracy; US Senator from Indiana (Republican). https://twitter.com/EricLDaugh/status/2011165232815882294?s=20 Just In: Bill and Hillary Clinton Refuse To Testify in Front of House Oversight Committee, Daring Chairman Comer To Hold Them in Contempt of Congress After months of dispute against House Oversight Committee Chairman James Comer, Bill and Hillary Clinton have today (13) REFUSED to testify in the House's Jeffrey Epstein investigation. This escalates the battle with Comer, Republican of Kentucky, and the former U.S. President and Secretary of State are effectively daring him to hold them in contempt of Congress. The New York Times reported: Source: thegatewaypundit.com President Trump's Plan Lefty DOJ Lawyers Rage-Quit After Harmeet Dhillon Blocks ICE Witch Hunt A group of lawyers in the Civil Rights Division of the U.S. Department of Justice (DOJ) have reportedly resigned after Assistant Attorney General for Civil Rights Harmeet Dhillon declined to investigate the Immigration and Customs Enforcement (ICE) officer involved in last week’s shooting in Minneapolis, Minnesota. The group had apparently pushed Dhillon to let a DOJ delegation fly to Minneapolis to investigate the January 7 shooting death of far-left agitator Renee Nicole Good, who was shot after she used her two-ton Honda Pilot as a weapon against the officer. Despite pressure from the lefty lawyers – described as “career prosecutors” – to initiate a witch hunt against the officer, Dhillon put a kibosh on their plans. They were apparently informed of the decision not to move forward with an investigation of the ICE agent last Friday.  After being told “no,” a group of “top leaders” in the criminal section of the Civil Rights Division “have left their jobs to register their frustration with the department.” Shock, horror. Sounds like the DOJ is well rid of this cabal, and these departures could be part of a trend of mass resignations amongst the old guard. This, of course, also saves Dhillon the trouble of having to draw up their pink slips.  Source: redstate.com  https://twitter.com/amuse/status/2010791586980933826?s=20   later. This is a system built for abuse by design https://twitter.com/CynicalPublius/status/2010886531838595278?s=20 https://twitter.com/ElectionWiz/status/2010777023673999531?s=20 https://twitter.com/USDOL/status/2010771852696617401?s=20 (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");