Podcasts about Demography

Episode: 1353 In which we visit a small town.  Today, let's visit a small town.

Professor Eric Kaufmann discuss the evolution and future of woke, noting its peak and potential resurgence. It was not in fact ended by the reelection of Donald Trump, he argues, and in this interview explains why. Kaufmann argues that woke-ism, characterised by the sacralisation of marginalised groups, has seen a decline in corporate and educational practices but remains strong among younger generations. Will there be new versions of BLM, MeToo, Antifa as a reaction to Trump's second term? Are we already seeing it in response to Elon Musk, with the targeting of Tesla?Eric and Winston explore the concept of national identity in the era of “diversity is our greatest strength”. What is the truth about ethnonationaolsm? Is former Prime Minister Rishi Sunak English? They also explore the impact of immigration on social cohesion, and national identity.He notes that cultural debates, such as those over free speech and diversity, are a secondary response to populism. And that populism is a response to mass migration, Islam, LGBT and feminist issues.Eric Peter Kaufmann is a Canadian professor of politics at the University of Buckingham. He is author of several books including: ‘The Rise and Fall of Anglo-America: The Decline of Dominant Ethnicity in the United States', ‘Shall the Religious Inherit the Earth?: Demography and Politics in the Twenty-First Century', ‘Whiteshift: Populism, Immigration, and the Future of White Majorities' and ‘The Third Awokening'-----------------------------------------------------------------------------------------------------------------------To see more exclusive content and interviews consider subscribing to my substack here: https://www.winstonmarshall.co.uk/-----------------------------------------------------------------------------------------------------------------------FOLLOW ME ON SOCIAL MEDIA:Substack: https://www.winstonmarshall.co.uk/X: https://twitter.com/mrwinmarshallInsta: https://www.instagram.com/winstonmarshallLinktree: https://linktr.ee/winstonmarshall----------------------------------------------------------------------------------------------------------------------Chapters0:00 The End of Wokeism and Its Implications5:41 The Persistence of Woke Ideas10:39 The Role of Social Media in Shaping Woke Ideas26:17 The Future of Wokeism and The Complexity of National Identity40:14 The Role of Ethnicity and Religion in National Identity59:58 The Impact of Immigration on National Identity1:00:18 The Challenges of Integration and Assimilation1:05:46 The Future of Wokeism and National Identity1:08:01 Populism and Wokeness1:10:33 Cultural Wars and Diversity1:12:08 Closing thoughts Hosted on Acast. See acast.com/privacy for more information.

Sign up for David's Substack: Macroeconomic Policy Nexus Lyman Stone is a demographer and the director of the Pronatalism Initiative at the Institute for Family Studies. In Lyman's first appearance on the show, he discusses demographic and marriage decline, the fallacy in the thinking of degrowthers, the benefits of pronatalist policy, and much more. Check out the transcript for this week's episode, now with links. Recorded on February 13th, 2025 Follow David Beckworth on X: @DavidBeckworth Follow Lyman Stone on X: @LymanStoneKY Follow the show on X: @Macro_Musings Check out our new AI chatbot: the Macro Musebot! Join the new Macro Musings Discord server! Join the Macro Musings mailing list! Check out our Macro Musings merch! Subscribe to David's new BTS YouTube Channel  Timestamps: (00:00:00) – Intro (00:02:04) – Lyman Stone's Career Path (00:04:54) – Demography as a Discipline (00:10:41) – Demographic Decline (00:15:28) – Decline of Marriage (00:32:24) – Degrowthers (00:43:15) – Possible Policy Solutions (00:54:50) – Outro  

Armenia, a tiny country of just three million people, is dealing with a population crisis that could threaten its very survival. A deadly war with neighbouring Azerbaijan in 2020 coupled with a high infertility rate has led to demographic decline. Now, the government is trying to reverse the trend and boost Armenia's population to five million by 2050, but also prepare a new generation for future conflicts. FRANCE 24's Ilioné Schultz reports.

It's easy to take growth for granted, for it to seem expected, inevitable even. Every person starts out as a baby and grows up. Plants grow from seeds into food. The economy grows. That stack of mail on your table grows. But why does anything grow the way that it does? In this hour, we go from the Alaska State Fair, to a kitchen in Brooklyn, to the deep sea, to ancient India, to South Korea, and lots of places in between, to investigate this question, and uncover the many forces that drive growth, sometimes wondrous, sometimes terrifying, and sometimes surprisingly, unnervingly fragile.Special thanks to Elie Tanaka, Keith Devlin, Deven Patel, Chris Gole, James Raymo and Jessica SavageEPISODE CREDITS: Reported by - Matt Kielty, Becca Bressler, Pat Walters, Sindhu Gnanasambandun, Annie McEwen, Simon Adlerwith help from - Rae MondoProduced by - Matt Kielty, Becca Bressler, Pat Walters, Sindhu Gnanasambandun, Annie McEwen, Simon AdlerSound design contributed by - Jeremy Bloomwith mixing help from - Jeremy BloomFact-checking by - Emily Krieger and Natalie Middletonand Edited by  - Pat WaltersEPISODE CITATIONS:Audio:“The Joy of Why,” (https://www.quantamagazine.org/tag/the-joy-of-why/) Steve Strogatz's podcast. Articles:“The End of Children,”(https://zpr.io/WBdg6bi8xwnr) The New Yorker, by Gideon Lewis-KrausBooks:Finding Fibonacci (https://zpr.io/3EjviAttUFke) by Keith DevlinDo Plants Know Math (https://zpr.io/bfbTZDJ8ehx5) by Chris GoleSingup for our newsletter!! It includes short essays, recommendations, and details about other ways to interact with the show. Sign up (https://radiolab.org/newsletter)!Radiolab is supported by listeners like you. Support Radiolab by becoming a member of The Lab (https://members.radiolab.org/) today.Follow our show on Instagram, Twitter and Facebook @radiolab, and share your thoughts with us by emailing radiolab@wnyc.org.Leadership support for Radiolab's science programming is provided by the Gordon and Betty Moore Foundation, Science Sandbox, a Simons Foundation Initiative, and the John Templeton Foundation. Foundational support for Radiolab was provided by the Alfred P. Sloan Foundation.

Link to Rob Schmitt's Newsmax show: https://www.newsmaxtv.com/Shows/Rob-Schmitt-Tonight _______________________________________ If you appreciate my work and would like to support it: https://subscribestar.com/the-saad-truth https://patreon.com/GadSaad https://paypal.me/GadSaad To subscribe to my exclusive content on Twitter, please visit my bio at https://twitter.com/GadSaad _______________________________________ This clip was posted on March 8, 2025 on my YouTube channel as THE SAAD TRUTH_1817: https://youtu.be/aVIX2ob8h9k _______________________________________ Please visit my website gadsaad.com, and sign up for alerts. If you appreciate my content, click on the "Support My Work" button. I count on my fans to support my efforts. You can donate via Patreon, PayPal, and/or SubscribeStar. _______________________________________ Dr. Gad Saad is a professor, evolutionary behavioral scientist, and author who pioneered the use of evolutionary psychology in marketing and consumer behavior. In addition to his scientific work, Dr. Saad is a leading public intellectual who often writes and speaks about idea pathogens that are destroying logic, science, reason, and common sense.  _______________________________________

Welcome to Season Six of Change Happens. This season, we're going to explore the forces shaping the future of work. From emerging trends to technological developments, we'll uncover what's changing and how we're adapting. Bernard Salt AM is a leading demographer and futurist who has spent decades analysing the forces shaping society. In this episode, he unpacks the profound demographic and societal shifts post-COVID, introducing the concept of 'peak humanity' and what it means for Australia's future. From the housing market to the care economy and labour force participation, Bernard explores the challenges and opportunities ahead, advocating for the smart integration of technology and the critical role of social skills in navigating change.In this episode, Bernard shares:Why Australia is uniquely positioned to thrive in the era of 'peak humanity'The evolving needs of millennials and baby boomers in the housing marketThe role of technology and automation in solving labour shortagesThe impact of an aging population on healthcare and social servicesWhy he remains optimistic about Australia's resilience and adaptability Host: Jenelle McMaster, Deputy CEO and People & Culture Leader at EYGuests: Bernard Salt AM, author, demographer, futuristand Tim Hicks, EGM of Policy and Advocacy at Bolton Clarke.Listen now: Apple Podcasts or Spotify or wherever you get your favourite podcasts.

The provision of care for dependents young and old is one of the great challenges of the modern age.The last 60 years have seen significant shifts in family and working lives with greater choice and autonomy bringing great gains for human freedom.Yet many private and public challenges and dilemmas remain. The social care system faces ever-rising demands and pressures. The vital skilled work of care – for the young, the elderly, the sick – remains undervalued and under-invested in. And women remain over-represented in the domain of care, in both the domestic realm and in the public economy.Amidst challenging demographics, declining birth-rates, and the evolving dynamics of modern family life, can we achieve a policy settlement that respects gender equality, meets the rising social need for care and attention, and properly rewards and recognises those who provide it? How do we provide greater support to the networks of relationships that care relies upon?Join David Goodhart and Vicky Pryce at the RSA to debate care, equality, and social progress in the next decade of the 21st century.SpeakersDavid Goodhart, Head of Demography, Immigration & Integration at Policy ExchangeVicky Pryce, economistBecome an RSA Events sponsor: https://utm.guru/ueemb Follow RSA Events on Instagram: https://www.instagram.com/thersaorg/ Follow the RSA on Twitter: https://twitter.com/theRSAorg Donate to the RSA: https://thersa.co/3XPiI1k Like RSA Events on Facebook: https://www.facebook.com/theRSAorg/ Listen to RSA Events podcasts: https://bit.ly/35EyQYU Join our Fellowship: https://www.thersa.org/fellowship/join

Ness Sandoval, Professor of Sociology and Demography at St. Louis University, joins Chris and Amy to explain why a city's success should be measured by something other than population growth.

Ness Sandoval, Professor of Sociology and Demography at St. Louis University joins the show to talk about if we should measure city success in terms of child poverty rate and education access. Actor in American Pie and Rookie of the Year Thomas Ian Nicholas to talk about his Q&A in Belleville tonight and how he got those two roles.

Today on the Chris and Amy Show; We get Major News with Major Garrett, CBS Chief Washington Correspondent to talk about Pritzker and Trump plus Trump calling Zelensky a dictator. Actor Singer and St. Louis Native Norbert Leo Butz talks about his career and performing at The Blue Strawberry tonight and tomorrow. KMOX Sports Contributor Bernie Miklasz talk about Mizzou, Walker and Gorman with new hitting coach and Yuri Collins going to the NBA. Ness Sandoval, Professor of Sociology and Demography at St. Louis University joins the show to talk about if we should measure city success in terms of child poverty rate and education access. Actor in American Pie and Rookie of the Year Thomas Ian Nicholas to talk about his Q&A in Belleville tonight and how he got those two roles.

BC needs to build more homes in the next 20 years than it has in the last 40 years combined just to house its growing population.Rennie VP of Advisory Services Andrew Ramlo and Real Estate Institute of BC President Clayton Olson sit down with Adam & Matt this week to unpack their groundbreaking "Demography and Demand" report - the first of its kind in nearly 20 years. From the urgent need for 685,000 new homes in Metro Vancouver to the ongoing exodus of talent from the real estate sector, this data-rich conversation reveals both challenges and opportunities in BC's evolving real estate market.Will the province be able to meet unprecedented housing demands? Which real estate careers offer the brightest future in different regions of BC? And with housing demand for owner-occupied properties outpacing rental growth, what product types should investors be eyeing for 2041? Essential listening for anyone interested in the future of BC real estate!

Steve-0 runs down 2024 new car sales: BMW leads the luxury market with Lexus number 2, pickups still rule, BEVs are stalling, and hybrids are surging. Oh, 24,000 people bought cybertrucks?!! Our trauma surgeon Dr Stephan Moran gives some love to modern ADAS (active driver assistance system) systems. Thanks to better software and machine learning, ADAS has become less "Karen" and more "chauffeur Jeeves". Adams, our collector car expert, discusses how boomer faves like muscle cars are fading while "fast and furious" cars like 90s civics and supras are ascendant. Demography is destiny, even in the collector car world. Finally, we give our 2025 predictions. #carsoncallpodcast #adas #collectorcars ⁠#carsoncallpodcast⁠ ⁠#adas⁠ ⁠#collectorcars

Japan is one of the fastest-ageing societies in the world, with almost a third of its population over 65 years old. As a result, the county is seeing more and more cases of dementia each year: almost 5 million people are now living with the condition. In response, the government is taking the problem seriously and has formed a special committee in a bid to tackle the crisis. Our correspondents Alexis Bregere, Mélodie Sforza and Justin McCurry report from Tokyo. 

******Support the channel****** Patreon: https://www.patreon.com/thedissenter PayPal: paypal.me/thedissenter PayPal Subscription 3 Dollars: https://tinyurl.com/ybn6bg9l PayPal Subscription 5 Dollars: https://tinyurl.com/ycmr9gpz PayPal Subscription 10 Dollars: https://tinyurl.com/y9r3fc9m PayPal Subscription 20 Dollars: https://tinyurl.com/y95uvkao   ******Follow me on****** Website: https://www.thedissenter.net/ The Dissenter Goodreads list: https://shorturl.at/7BMoB Facebook: https://www.facebook.com/thedissenteryt/ Twitter: https://x.com/TheDissenterYT   This show is sponsored by Enlites, Learning & Development done differently. Check the website here: http://enlites.com/   Dr. Mary Shenk is Associate Professor of Anthropology, Demography, and Asian Studies at Pennsylvania State University. She is a biocultural anthropologist, human behavioral ecologist, and anthropological demographer with interests in marriage, family, kinship, parental investment, fertility, mortality, and inequality. She has conducted field research on the economics of marriage and parental investment in urban South India, the causes of rapid fertility decline in rural Bangladesh, and the effects of market integration on wealth, social networks, and health in rural Bangladesh.   In this episode, we start by talking about an evolutionary account of the sexual division of labor. We then discuss the different kinds of kinship systems, and how they relate to the distribution of resources and the rise of gender disparities. We also talk about the link between religion and fertility. We discuss fertility decline across the world, and the different factors behind it, with a focus on women's education. Finally, we talk about the evolution of social and economic inequality in human societies, and the transition from relatively equal societies to increasingly unequal societies. -- A HUGE THANK YOU TO MY PATRONS/SUPPORTERS: PER HELGE LARSEN, JERRY MULLER, BERNARDO SEIXAS, ADAM KESSEL, MATTHEW WHITINGBIRD, ARNAUD WOLFF, TIM HOLLOSY, HENRIK AHLENIUS, FILIP FORS CONNOLLY, DAN DEMETRIOU, ROBERT WINDHAGER, RUI INACIO, ZOOP, MARCO NEVES, COLIN HOLBROOK, PHIL KAVANAGH, SAMUEL ANDREEFF, FRANCIS FORDE, TIAGO NUNES, FERGAL CUSSEN, HAL HERZOG, NUNO MACHADO, JONATHAN LEIBRANT, JOÃO LINHARES, STANTON T, SAMUEL CORREA, ERIK HAINES, MARK SMITH, JOÃO EIRA, TOM HUMMEL, SARDUS FRANCE, DAVID SLOAN WILSON, YACILA DEZA-ARAUJO, ROMAIN ROCH, DIEGO LONDOÑO CORREA, YANICK PUNTER, CHARLOTTE BLEASE, NICOLE BARBARO, ADAM HUNT, PAWEL OSTASZEWSKI, NELLEKE BAK, GUY MADISON, GARY G HELLMANN, SAIMA AFZAL, ADRIAN JAEGGI, PAULO TOLENTINO, JOÃO BARBOSA, JULIAN PRICE, EDWARD HALL, HEDIN BRØNNER, DOUGLAS FRY, FRANCA BORTOLOTTI, GABRIEL PONS CORTÈS, URSULA LITZCKE, SCOTT, ZACHARY FISH, TIM DUFFY, SUNNY SMITH, JON WISMAN, WILLIAM BUCKNER, PAUL-GEORGE ARNAUD, LUKE GLOWACKI, GEORGIOS THEOPHANOUS, CHRIS WILLIAMSON, PETER WOLOSZYN, DAVID WILLIAMS, DIOGO COSTA, ALEX CHAU, AMAURI MARTÍNEZ, CORALIE CHEVALLIER, BANGALORE ATHEISTS, LARRY D. LEE JR., OLD HERRINGBONE, MICHAEL BAILEY, DAN SPERBER, ROBERT GRESSIS, IGOR N, JEFF MCMAHAN, JAKE ZUEHL, BARNABAS RADICS, MARK CAMPBELL, TOMAS DAUBNER, LUKE NISSEN, KIMBERLY JOHNSON, JESSICA NOWICKI, LINDA BRANDIN, NIKLAS CARLSSON, GEORGE CHORIATIS, VALENTIN STEINMANN, PER KRAULIS, KATE VON GOELER, ALEXANDER HUBBARD, BR, MASOUD ALIMOHAMMADI, JONAS HERTNER, URSULA GOODENOUGH, DAVID PINSOF, SEAN NELSON, MIKE LAVIGNE, JOS KNECHT, ERIK ENGMAN, LUCY, MANVIR SINGH, PETRA WEIMANN, CAROLA FEEST, STARRY, MAURO JÚNIOR, 航 豊川, TONY BARRETT, BENJAMIN GELBART, AND NIKOLAI VISHNEVSKY! A SPECIAL THANKS TO MY PRODUCERS, YZAR WEHBE, JIM FRANK, ŁUKASZ STAFINIAK, TOM VANEGDOM, BERNARD HUGUENEY, CURTIS DIXON, BENEDIKT MUELLER, THOMAS TRUMBLE, KATHRINE AND PATRICK TOBIN, JONCARLO MONTENEGRO, AL NICK ORTIZ, NICK GOLDEN, AND CHRISTINE GLASS! AND TO MY EXECUTIVE PRODUCERS, MATTHEW LAVENDER, SERGIU CODREANU, BOGDAN KANIVETS, ROSEY, AND GREGORY HASTINGS!

This Flashback Friday is from episode 249 published last March 20, 2012. Many demographic changes are taking place, with the Baby Boomers, a large generation, retiring, and Generation Y, a larger generation than the Baby Boomers, consuming at record levels.  Join Jason Hartman and demographer, Ken Gronbach, as they discuss this upcoming “storm.”  Ken describes Generation Y as an exciting generation, where the United States is the only country with this large of a group at the present time, and that it is very important that businesses recognize and anticipate their markets as Generation Y grows up. Generation X is more of a mystery generation because of its smaller size, which makes it less of a valuable market.  Ken believes that the United States' best days are ahead as people bail out of the European Union. He also believes that China's economic future is bleak due to artificial tampering with the population, with demographic numbers showing China in trouble economically within ten years, struggling to feed themselves within 15 years. Ken shows how the housing market is being held hostage by big bank foreclosures and why this log jam will soon correct and precipitate a restoration of the United States economy. Ken also talks about how manufacturing will return to the United States with a vengeance because the United States is the only industrialized nation with a huge young highly skilled workforce.   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

As a remodeling business owner, you have likely heard of demographics and you have probably looked at it solely in the context of marketing and lead generation. But, the power of demographics lies much deeper than that, and in this episode, Ken Gronbach will share the subtle yet profound effect of shifting demography in the... The post Demography is Destiny with Kenneth Gronbach – [Best of PowerTips Unscripted] appeared first on PowerTips Unscripted.

China's population is now shrinking. India's could follow within a generation. South Korea has the world's lowest birth rate. Italy has the fastest shrinking population in Europe and Canada's birth rate dropped from 1.6 children per woman to 1.26 in less than a decade. Almost everywhere you look, fertility rates are dropping. What does a world look like with a shrinking population? Can you grow an economy with fewer and fewer people? Can governments do anything to arrest the declining rates and incentivize their population to have more kids? And could those solutions become darker and darker and imperil women's rights? Darrell Bricker and John Ibbitson, authors of Empty Planet: The Shock of Global Population Decline, discuss the looming threat of population collapse. See omnystudio.com/listener for privacy information.

Evolutionarily speaking, it makes sense to have a lot of children. At the very least, we might expect a population to replace itself, with each couple having an average of two children. However, this evolutionary logic is not mirrored by current data: birth rates are falling in the UK, with many people choosing to either have one child, or no children at all. We speak to evolutionary anthropologist Dr Paula Sheppard about the drivers, and consequences, of this observed trend.

Over two decades ago, Ruy Teixeira predicted that America was on its way to a bright blue future, thanks to an inevitable demographic shift that would deliver the Party a dominant, durable political coalition. “Demography is destiny” became the mantra of the Democratic Party—proven out by Obama's decisive 2008 electoral college win. But then, in 2016, Trump upended that coalition, and, consequently, anti-Trumpism naturally became a defining feature of the Democratic Party. But—beyond its opposition to Trump—what does the Democratic Party stand for today? With the Republican Party infected with extremism and so embarrassingly unable to govern, why aren't Democrats winning sustainable majorities? And why is the Democratic party still losing ground with some of the core parts of its base? In this two-part conversation, former Center for American Progress senior fellow Ruy Teixeira joins Ron Steslow to discuss his new book Where Have All the Democrats Gone? The Soul of the Party in the Age of Extremes. In part 1: (01:50 ) Ruy's background (05:00) How the Democrats became the party of the elites  (10:10)The impact of the 2016 election  (23:23) The importance of working class voters in the Democratic party's victories  (30:20) The party's increasingly liberal stance on immigration  Read Where Have All the Democrats Gone?: https://bit.ly/3P8hpGm Check out The Liberal Patriot: https://www.liberalpatriot.com/ Follow Ron on X (formerly Twitter): https://twitter.com/RonSteslow Email your questions and thoughts to podcast@politicology.com or leave us a voicemail at ‪(202) 455-4558‬. Learn more about your ad choices. Visit megaphone.fm/adchoices

Over two decades ago, Ruy Teixeira predicted that America was on its way to a bright blue future, thanks to an inevitable demographic shift that would deliver the Party a dominant, durable political coalition. “Demography is destiny” became the mantra of the Democratic Party—proven out by Obama's decisive 2008 electoral college win. But then, in 2016, Trump upended that coalition, and, consequently, anti-Trumpism naturally became a defining feature of the Democratic Party. But—beyond its opposition to Trump—what does the Democratic Party stand for today? With the Republican Party infected with extremism and so embarrassingly unable to govern, why aren't Democrats winning sustainable majorities? And why is the Democratic party still losing ground with some of the core parts of its base? In the second part of this two-part conversation, former Center for American Progress senior fellow Ruy Teixeira joins Ron Steslow to discuss his new book Where Have All the Democrats Gone? The Soul of the Party in the Age of Extremes. In part 2: (01:06 ) The shift towards identity politics and how it's changing the party's approach to race and civil rights (08:40) Radical approaches to transgender rights (16:50) The change in environmental policy from responsible stewardship to the more extreme positions of the Green New Deal (41:14) The rise in independent voters, what it really means, and how it should impact political strategy (45:45) Whether it's even possible for structural reforms in our political system to improve the health of our democracy Read Where Have All the Democrats Gone?: https://bit.ly/3P8hpGm Check out The Liberal Patriot: https://www.liberalpatriot.com/ Follow Ron on X (formerly Twitter): https://twitter.com/RonSteslow Email your questions and thoughts to podcast@politicology.com or leave us a voicemail at ‪(202) 455-4558‬. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jami Chandio comes on The Pakistan Experience to discuss the History and Philosophy of Sindh. On this deep dive podcast we discuss the Sindh Rawadari March, Sindh's stand against religious extremism, the historic injustices against Sindh, the separation of Karachi from Sindh, the Sindhi Language, the creation of Pakistan, partition, One-unit movement, Federalism, the 18th Amendment and more. Mr. Jami Chandio is an author, literary critic, scholar and public intellectual having more than 20 published books on his literary and academic account. He delivers lectures and conducts academic trainings in Universities and public spaces across the country and abroad on political philosophy/theories, democratic federalism, federal history of British India and Pakistan, Tasawwuf, political Islam and pure literature. He has been delivering lectures and trainings to Parliamentarians, politcal cadres, civil servants and academia in Pakistan since 2004. He serves as a resource person with many national educational institutions, international think tanks based in Pakistan and South Asia. As a visiting scholar he delivers lectures on federalism at National Institute of Management (NIM) to the batches of senior civil servants from across the country. He was awarded 5-month academic democracy fellowship in Washigton DC in 2008-9. He represented south Asian and did research fellowship in European Parliament in 2004 on European federalism. He has been conducting research and writing critical studies on curriculum reforms and text books in Pakistan. In 2022 he conducted review and critical analysis of curriculum and textbooks as an independent consultant by UNESCO Pakistan on “ Integrating Culture and Heritage in Curriculum and Textbooks in Sindh, Pakistan”, which was widely appreciated and acknowledged by the UNESCO and Government institutions as well as civil society and academia. He has worked with higher educational institutions on educational reforms, policy frameworks and setting strategic outlines as an academic scholar and expert. His books and research papers are included in curriculum in higher education in many Universities in Pakistan federalism and literary criticism. He is a widely travelled scholar, author and researcher. The Pakistan Experience is an independently produced podcast looking to tell stories about Pakistan through conversations. Please consider supporting us on Patreon: https://www.patreon.com/thepakistanexperience To support the channel: Jazzcash/Easypaisa - 0325 -2982912 Patreon.com/thepakistanexperience Chapters: 0:00 Introduction 1:30 Sindh Rawadari March 6:50 Religious Organizations were against the creation of Pakistan 10:00 Federalism and the Creation of Pakistan 15:15 Was Pakistan created as an Islamic Country? 20:00 Was Pakistan created through the Assemblies? 25:00 Constitution, Federation and Religious Parties 35:27 PMLN and PPP 40:00 Separating Karachi from Sindh 50:00 Imposition of Identity and the Urdu Language 1:01:00 Languages are dying in Pakistan 1:04:56 Interfaith Harmony and the Sindhi Language 1:12:40 Culture and Demography of Karachi 1:23:00 Sindh vs One Unit 1:32:30 NFC Award 1:35:00 Audience Questions And Please stay in touch: https://twitter.com/ThePakistanExp1 https://www.facebook.com/thepakistanexperience https://instagram.com/thepakistanexpeperience The podcast is hosted by comedian and writer, Shehzad Ghias Shaikh. Shehzad is a Fulbright scholar with a Masters in Theatre from Brooklyn College. He is also one of the foremost Stand-up comedians in Pakistan and frequently writes for numerous publications. Instagram.com/shehzadghiasshaikh Facebook.com/Shehzadghias/ Twitter.com/shehzad89 Join this channel to get access to perks: https://www.youtube.com/channel/UC44l9XMwecN5nSgIF2Dvivg/join

Let's start with some headline stats which emerged this week.* The number of migrants to Britain has doubled since Covid.* 747,000 “permanent-type” migrants moved to the UK last year, the OECD said, up from 488,400 in 2022.* This marks a 53% year-on-year rise.* The four countries seeing the biggest surge in migration are the UK, South Korea, Australia, and the United States.* Note: Three of those four countries are English-speaking. This is something I have long argued: the UK will inevitably see higher than average migration levels because people prefer to go where they can speak the language, and more people have some English than other languages.Meanwhile, our birth rate has dropped to 1.4 children per woman, the lowest on record. The net result is that the demographics of this country are changing dramatically and rapidly. Different people means a different culture.The demographics of primary schoolsMigration measures, particularly illegal migration, are not entirely accurate. If someone has entered the country covertly, for example, there's often no record. Nor are censuses entirely accurate. Some don't fill the census in, many don't fill it in accurately, especially if here illegally, if they don't understand what it is, or if someone is claiming the single person council tax discount. There is a lot of scope for double counting for people with multiple addresses - students and so on.However, pretty much everyone who has kids sends them to school. There is no hiding, no double counting and so on, so the numbers you get from the schools' census are pretty accurate.White British now make up 61% of UK primary school kids. 37% are of minority ethnic background. The remaining 2% are unclassified. (In secondary schools, minority ethnic accounts for 36.6%).Minority ethnic includes Asian (13.4% of primary school kids), White non-British (8%), Black (6.5%), and Mixed (7.8%).Bear in mind that these figures are for the whole UK. This includes primary school kids in remote rural areas, where British ethnicity will likely comprise over 90%.White British was at 64.9% in 2020-21 and minority ethnic at 33.7%. The numbers are changing fast. From 65 to 61% in three years. Ten years ago it was 70%.This 61/37 ratio compares with 85/15 in 2002. Previously, I extrapolated that White British would be a minority in primary schools by 2035. But with the current trends, especially considering that migrants tend to have larger families than locals, white British could become a minority in primary schools as soon as 2030, or just after. The demography of primary schools will, within a generation, reflect the demography of the country.I doubt this is what the majority of British people want.But it's not a topic that's being discussed, let alone addressed, in the echelons of power. Instead, it's being brushed under the carpet.Well, it will soon be too late. This is an urgent and pressing issue. Without wishing to sensationalise, the future of the British people and their homeland really is at stake. Demography is destiny after all.You really should subscribe to the Flying Frisby.If you are thinking of buying gold to protect yourself in these uncertain times, I recommend The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, US, Canada and Europe or you can store your gold with them. More here.More on this: This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Since the fall of the Berlin Wall and the collapse of industry in the former East Germany, many women have left the region and never returned. Men are now over-represented, with a surplus of up to 25 percent in some municipalities. This shortage of women has created a vicious cycle: a rapidly ageing population, a loss of social cohesion and a decline in the attractiveness of eastern cities. The gender imbalance is also fuelling political radicalisation, which Germany's far-right AfD party is taking advantage of. FRANCE 24's Anne Mailliet, Willy Mahler, Nick Holdsworth and Caroline du Bled report.

At the end of October, the ONS announced that the fertility rate in England and Wales had fallen to 1.44 births per woman in 2023 - the lowest figure since records began in 1938. What will this mean for the population make-up of the country? What other big demographic shifts are occurring? Why is this trend occurring across the developed world? And what will its implications be for the public finances?To discuss those questions, Paul is joined by Melinda Mills, Director of the Leverhulme Centre for Demographic Science and Nuffield Professor of Demography at Oxford. And by Carl Emmerson, Deputy Director at IFS and one of the leading experts on the UK's public finances.Become a member: https://ifs.org.uk/individual-membershipFind out more: https://ifs.org.uk/podcasts-explainers-and-calculators/podcasts Hosted on Acast. See acast.com/privacy for more information.

The best thing about the result is you can't argue with it. You can hate it, but you can't argue with it. To win not just the College, but also the popular vote, gives the result a legitimacy that is rock solid. As I said yesterday, it's hard to know what the bigger deal is - a Trump victory or a Harris defeat? The Democrats will ask themselves how is it possible, with all their money, all their incumbency and all their endorsements, they could lose to that? The answer, of course, is obvious. That's not the point. The point is whether they will ever be able to bring themselves to see it. The lack of planning post-Biden was astonishing. You wonder whether Obama, who wanted a contested race as opposed to a coronation, was right, or would it have made no difference? Biden had done them irreparable damage. "Demography does not lead to democracy", was a Kellyanne Conway line I liked yesterday. In other words, treating black people, or women, or Latinos as a singular group and expecting them to act like sheep is a path to nowhere. Why don't they get that? There is a lesson there for this country and our debate around Māori. As a message, it's almost like America didn't realise what they had in Trump last time. Or maybe Covid and the economy was all they really cared about and the carnage they are living through is so great they just want better times. If there was a consistent line I heard over and over it was: "I was richer under Trump". That's uniquely American. You would never hear people in New Zealand say "I was richer under Key" or "I was richer under Luxon". How do you explain young people? Harris underperformed everywhere. Look at New York for God's sake. They hate him, they indict him, then they vote for him in increased numbers. Speaking of indictments, what happens to his legal woes? And how mad does that all get? How about that Iowa poll from the Seltzer Group that we fell over? Yes, it was an outlier and a blow to their reputation and pollsters everywhere. The polls though, were within their margins. They roughly seemed right. Although the remaining states will probably go the way we think, they are close, as predicted. As I also said yesterday, you have to admire the force of nature he is. He is a lesson in being unrelenting. For all the madness, dishonesty and illegality, he overcame it all, not once, but twice. They will study it for years to try and make sense of it. Or maybe they already have made sense of it and it's uniquely American and it's us that thinks it's odd. Either way, it's clean, clear, unambiguous, show-stopping, possibly gobsmacking, and now we have the prospect of four years of who knows what. You'd like to think, given the campaign was slicker this time, the presidency will be slicker this time as well. A bit of legacy is in the back of their minds, so let's see. Buckle up. See omnystudio.com/listener for privacy information.

Join James Menendez and guests for this special Newshour podcast examining how immigration is impacting the race for the US Presidency.With James in San Antonio, Texas is Rogelio Sáenz, Professor of Sociology and Demography at the University of Texas in San Antonio and Alejandra Arredondo, a reporter based in San Antonio.Photo: Luis Torres/EPA-EFE/REX/Shutterstock

What do you get when you cross the infinity of the Dreaming's possibilities with eight billion humans? Questions about how many of them are changelings, that's what. This week, we're applying the art/science of demography to the fae, throwing numbers and proportions and calculations around like so much spaghetti, so that we can see what sticks. You may ask, why does this matter—but how many and what kinds of changeling are running around the setting for your game will impact its feel. And not just the fae themselves: a local expression of the game's themes and moods depends upon Dreamers, Autumn People, and even just those mundane humans we talked about last time. So take note, Storytellers! We hope that after listening, you too will be able to graph a demo, Dreaming-style. The spreadsheet to which Josh refers to throughout the episode, with some proposed numbers based on the population of various divisions of Concordia, can be found at: https://docs.google.com/spreadsheets/d/1rv_S2aGs1VtfeCvhyOoq_iZ10w9Eag2ERlo-UONllcY. We also refer to two episodes from our sibling show, Mage: the Podcast, on the subject of games with high numbers of mages and low numbers of mages, and how adjusting those numbers creates a different play experience. Pooka may have been using Chronos when talking about these, as it appears only the former has actually been released thus far. Nevertheless, check it out at: https://magethepodcast.com/running-and-playing-low-mage-count-games/. Our own bureaux of statistics: Discord: https://discord.me/ctp Email: podcast@changelingthepodcast.com Facebook: https://www.facebook.com/profile.php?id=100082973960699 Mastodon: https://dice.camp/@ChangelingPod Patreon: https://www.patreon.com/changelingthepodcast YouTube: https://www.youtube.com/@ChangelingThePodcast your hosts Josh Hillerup (any pronoun) bribes fae of the Kingdom of Northern Ice into filling out the census form with maple syrup dross. Pooka G (any pronoun/they) traverses the Kingdom of Apples in a balloon-ship, dropping leaflets about the benefits of mixed-use zoning. A person is smart. People are dumb, panicky, dangerous animals, and you know it. —Agent K in Men in Black

This is a free preview of a paid episode. To hear more, visit www.louiseperry.co.ukMy guest today is David Goodhart, founder of Prospect magazine and Head of Demography, Immigration & Integration at Policy Exchange. David's new book, 'The Care Dilemma: Caring Enough in the Age of Sex Equality,' is the final instalment of a trilogy of books on class, economics, and the family that began with 'The Road to Somewhere' and 'Head Hand Heart…

South Korea has set a new world record. However, it's not celebrating. The country now has the lowest birth rate in the world – an average of just 0.7 children per woman in 2023, standing alone among major economies in having a fertility rate below one. The crisis is threatening South Korea's economy and putting its future in jeopardy. If the trend continues, its population will plunge by almost half by the century's end. FRANCE 24's Chloé Borgnon, Alexis Bregere, Justin McCurry and Mélodie Sforza report.

Historian Dr Nimrod Lin, Managing Editor of the Journal of Israeli History, discusses his forthcoming book People Who Count: Zionism, Demography and Democracy in Mandate Palestine. This interview is part of the "Democracy and Its Alternatives: The Origins of Israel's Current Crisis" conference, held at Brandeis University and organized in partnership with the Center for Jewish History in New York.

Samo Burja founded Bismarck Analysis, a consulting firm that investigates the political and institutional landscape of society. He is a Senior Research Fellow in Political Science at the Foresight Institute where he advises on how institutions can shape the future of technology. Since 2024, he has chaired the editorial board of Palladium Magazine, a non-partisan publication that explores the future of governance and society through international journalism, long-form analysis, and social philosophy. From 2020 to 2023, he was a Research Fellow at the Long Now Foundation where he studied how institutions can endure for centuries and millennia.Samo writes and speaks on history, institutions, and strategy with a focus on exceptional leaders that create new social and political forms. Image has systematized this approach as “Great Founder Theory.”Steve and Samo discuss:(00:00) - Introduction (01:38) - Meet Samo Burja: Founder of Bismarck Analysis (03:17) - Palladium Magazine: A West Coast Publication (06:37) - The Unique Culture of Silicon Valley (12:53) - Inside Bismarck Analysis: Services and Clients (21:35) - The Role of Technology in Global Innovation (32:13) - The Influence of Rationalists and Effective Altruists (48:07) - European Tech Policies and Global Competition (49:28) - The Role of Taiwan and China in Tech Manufacturing (51:12) - Geopolitical Dynamics and Strategic Alliances (52:49) - China's Provincial Power and Industrial Strategy (56:02) - Urbanization and Demography, Ancient Society (59:41) - Intellectual Pursuits and Cultural Dynamics (01:04:09) - Intellectuals, SF, and Global Influence (01:13:45) - Fertility Rates, Urbanization, and Forgotten Migration (01:22:24) - Interest in Cultural Dynamics and Population Rates (01:26:03) - Daily Life as an Intellectual Music used with permission from Blade Runner Blues Livestream improvisation by State Azure.--Steve Hsu is Professor of Theoretical Physics and of Computational Mathematics, Science, and Engineering at Michigan State University. Previously, he was Senior Vice President for Research and Innovation at MSU and Director of the Institute of Theoretical Science at the University of Oregon. Hsu is a startup founder (SuperFocus, SafeWeb, Genomic Prediction, Othram) and advisor to venture capital and other investment firms. He was educated at Caltech and Berkeley, was a Harvard Junior Fellow, and has held faculty positions at Yale, the University of Oregon, and MSU.Please send any questions or suggestions to manifold1podcast@gmail.com or Steve on X @hsu_steve.

There are many writings by Western scholars on Chinese foreign as well as domestic policy. Yet few have ventured to analyze the internal intellectual debates in China that, either partly or significantly, shape Chinese policymaking. A recent book from the European Council on Foreign Relations titled The Idea of China: Chinese Thinkers on Power, Progress, and People, intends to fill that gap. Written by Alicja Bachulska, Mark Leonard, and Janka Oertel, the book presents some of the leading Chinese perspectives on a range of contemporary global as well as domestic issues. To help us further understand Chinese thinking and its significance, host Bonnie Glaser is joined by Alicja Bachulska, one of the co-authors of the book and a policy fellow at the European Council on Foreign Relations. Timestamps[01:22] Significance of Intellectual Debates in China[04:31] Gauging the Candor of Interview Responses[06:35] Who are the China solutionists? [08:25] Examining the “Great Changes” Taking Place[11:52] Strengthening China's Discourse Power[15:22] Where is China successfully shaping narratives?[18:05] China on the Defense or Offense[22:36] Rising East, Declining West[28:49] Responding to Chinese Discourse in the Global South 

Interview recorded - 25th of September, 2024On this episode of the WTFinance podcast I had the pleasure of welcoming back Neil Howe. Neil is the co-author of the ground breaking “The Fourth Turning” and author of the updated version of the book “The Fourth Turning is Here: What the Seasons of History Tell Us About How and When This Crisis will End” which I had the pleasure of reading. During our conversation we spoke about the Fourth turning, the current political shifts, the challenges with democracy, nullification of governments, impact on markets, financial repression, risk of recession and more. I hope you enjoy! 0:00 - Introduction 3:19 - What is the Fourth Turning?8:24 - Where are we in the cycle?13:29 - Cycles increasing in time?17:19 - Political shifts driven by leaders?22:49 - Extreme centralisation during dictatorship28:59 - What can be learnt from pushes to dictatorship?34:40 - The issues with democracy?38:40 - Five outrageous predictions41:55 - What would succession look like?46:30 - Nullification of the federal government49:00 - Geopolitical brinkmanship51:02 - How do Fourth turning impact markets?54:30 - Financial repression56:30 - Pre-empt and create anti-fragile systems?1:00:25 - What is happening in the economy?1:04:20 - What is the economic lag?1:06:26 - Passive investing impacting1:13:35 - One message to takeaway from our conversation?Neil Howe is an acclaimed historian, economist, and demographer and the bestselling author (with William Strauss) of The Fourth Turning, as well as over a dozen books on demographic and social change. The nation's leading thinker on today's generations—who they are, what motivates them, and how they will shape America's future—Howe is Managing Director of Demography at Hedgeye Risk Management, an independent financial research firm, as well as President of LifeCourse Associates, which serves hundreds of corporate, nonprofit, and government clients. He lives with his family in Great Falls, Virginia.Neil Howe - LinkedIn - https://www.linkedin.com/in/neilhowe/Twitter - https://twitter.com/HoweGenerationHedgeye - https://app.hedgeye.com/WTFinance - Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

What can professional risk-takers — poker players and hedge fund managers, crypto true believers and blue-chip art collectors— teach us much about navigating the uncertainty of the twenty-first century? In the bestselling The Signal and the Noise, statistician Nate Silver showed how forecasting would define the age of Big Data. Now, in his timely and riveting new book, On the Edge, Silver investigates “The River,” or those whose mastery of risk allows them to shape — and dominate — so much of modern life. People in “The River” have increasing amounts of wealth and power in our society, and understanding their mindset — including the flaws in their thinking — is key to understanding what drives technology and the global economy today. There are certain commonalities in this otherwise diverse group: high tolerance for risk, appreciation of uncertainty, affinity for numbers, skill at decoupling, self-reliance, and a distrust of conventional wisdom. For those in The River, complexity is baked in, and the work is how to navigate it, without going beyond the pale. Taking us behind the scenes from casinos to venture capital firms, and from the FTX inner sanctum to meetings of the effective altruism movement, On the Edge is a deeply reported, all-access journey into a hidden world of power brokers and risk-takers. Nate Silver is the founder of FiveThirtyEight and the New York Times bestselling author of The Signal and the Noise. He writes the Substack Silver Bulletin. Clayton Page Aldern is a senior data reporter at Grist. A neuroscientist turned environmental journalist, he holds a master's in neuroscience and a master's in public policy from the University of Oxford, where he studied as a Rhodes Scholar. He is also a research affiliate at the Center for Studies in Demography and Ecology at the University of Washington. With Gregg Colburn, he is the author of Homelessness Is a Housing Problem. His book The Weight of Nature, on the effects of climate change on brain health, is out now from Dutton.   Buy the Book On the Edge: The Art of Risking Everything Third Place Books

Keith discusses his journey from an entitlement mentality to realizing the importance of wealth creation through real estate investing and shares the real estate shockwave that nobody is talking about. We are also joined by Caeli Ridge, President of Ridge Lending Group, as she explains the differences between owner-occupied and investor mortgage loans. Hear about the ease of entering real estate investing with no formal qualifications or high income required. Learn the concept of demographic shockwaves and how the aging population will influence housing demand in the future. How to ethically use other people's money to build wealth for yourself before you even own a property. Learn about the key differences between owner-occupied mortgage loans and investor mortgage loans, particularly the use of rental income in qualification. Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/520 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.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.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai      Keith Weinhold  00:01 Keith, welcome to GRE. I'm your host. Keith Weinhold, I'll discuss when I was an employee with a scarcity mindset, the real estate shock wave coming that no one's talking about, then, how you can ethically use other people's money to build wealth for yourself before you even own a property today, on get rich education.   00:24 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 rights for both Forbes and Rich Dad advisors, who 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   Corey Coates  01:09 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  01:25 welcome to GRE from Springfield Ohio to Springfield, Missouri and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education. It's great to have you back for another week, and I genuinely appreciate your listenership, and I am grateful to have such a large audience. I've got to tell you, admittedly, coming out of college and in my first couple full time jobs, I wasn't always a good employee. I guess I had somewhat of an entitlement mentality. I'm not sure where that came from. I don't know that I can blame anyone else on planning it inside me. I don't know where I got this notion. It sure wasn't from my parents, but I kind of felt like somebody owed me a job just because I have a college degree and I'm good at showing up on time, yeah, like, I'm just a good representative for your company. I mean, now I can see that no one owed me a doggone thing. In fact, I owed my employer value. An employer actually takes a big risk on you when they hire you, paying you to train you until you're productive there. I mean, the hiring process itself is even expensive. Well, though I felt like someone owed me a job just out of college, somewhat Oppositely, I never expected any sort of high income at all, and I had quite a modest income in my first couple years out of college, just like a lot of recent college grads do, until it grew into something more. But my humble geography degree, it conditioned me to think lower income. I knew that going to college in Pennsylvania for geography in what interested me, I mean, that's what I went with, what interested me not what I could make money in well, then I couldn't find a job in my geography field at all. No one would really pay me to describe Asia's mountain ranges to them. So what I ended up doing is working under engineers at a construction and engineering firm, a few of them, one engineering firm really liked me and designated me as their new marketing person. Of all things, they wanted me to call prospective clients on the phone and meet them cold in person, because they just thought somehow, when they met me, that I could win new business for the engineering firm, just I guess, based on how I communicated with other people at other engineering companies, even though I couldn't even talk the language of engineering. Well, anyway, these disciplines engineering, and really it was construction inspection that I did for a while. You know, that stuff, even the marketing stuff, it just didn't fill my soul. And you must have felt this way at your job before. If you don't feel it perpetually, you aren't aligned with your purpose on this earth, and you're spending so many of your faculties and so much of your waking conscious life at that job. Well, motivation to escape that is what got me reading about wealth mindset and real estate investing. Since anyone can do it, no degree needed, no certification, zero formal qualification. And now I think I mentioned this to you before, but it's worth bringing up here again, a turning point is when I read one life changing sentence, just one little what is it? A. Five word sentence in a rich dad book, that pivotal paradigm shifting, course correcting sentence was, being wealthy is a choice. And when I first read being wealthy is a choice, I just didn't believe it. I thought that Robert Kiyosaki, the author, was wrong. Well now I know that he was right. I had thought that being rich is unobtainable. You had to be born into it, so unless you won the lottery, you can't achieve more than middle class. Well, I was wrong about that. Now I can't really say something like, oh, well, a college professor said that rich people are bad or, you know, I don't have that story. I can't blame anyone else for growing up with a limited, scarcity mindset, really, other than myself in the context that was created around me. I mean, growing up in Pennsylvania, I just knew that the carts family and the domileskeys, they had more than us. And that's just the way it would always be. It's sort of preordained, and other families had less than us, and these family trajectories were just cast in stone as to how it had to be. But the good news is that it's not, and this is still what makes America great, the fact that it takes zero formal training, zero risk parents, and not even a high salary for you to do something like get a three and a half percent down payment loan for owner occupied FHA fourplex or 20% down for a single family rental that produces income from day one in The Southeast or Midwest, you can plant that seed that get other people's money working for you seed in just that way, even if you're interested in something as unprofitable as geography. Now, a huge reason that people disparage the wealthy is rooted in jealousy and envy, and that is not good. There's no goodness in those emotions, and that is because people don't think it's obtainable for them. It's obtainable for almost anybody. Learning that it is within your reach that completely breaks down your resentment of the rich. Yes, indeed, being wealthy is a choice. Well, people are obtaining wealth in today's real estate market. Here, Redfin reported that through the latest quarter ended real estate investors bought fully one in four of the nation's most affordable homes. That's up 3% year over year. And as Redfin puts it, it's a sign that investor activity is stabilizing, and as homeownership remains out of reach for many Americans, real estate investors are coming out of hibernation to take advantage of robust demand from renters. So investors are buying a greater proportion of affordable homes, some of them through our marketplace, GRE marketplace. Now over the long term, let's think about how US housing is going to be positioned for sustainable demand. Demography is destiny. That's a quote attributed to 19th century philosopher Auguste coon Tay, it means that the size and structure of a population will influence its future. So then all we need to do is track the age of a population over time to sharpen and give clarity to a forecast. It is axiomatic that in 10 years, a 25 year old will be 35 No kidding. Well, what's important about the age of 35 is that is the average age of today's first time homebuyer. It's between 35 and 36 All right. Well, the US is peak birth year occurred in 2007 we know that just look at demographics. Well, then add 35 to it. Add 35 years to 2007 This means that, on average, they will buy their first home in the early 2040s a lot of people are going to be forming their first household, whether it's rent or buy around the year 2040, I mean, the peak in all of American history, a lot more people will need homes. In fact, more than 13,000 Americans are turning age 35 every single day for the foreseeable future for more than a decade. This year is the first year where we've ever had over 13,000 Americans turning 35 every single day. And that is projected to continue to happen every single year through 2035 and that's as late as the Census Bureau projection that I have goes on. On that stat this baked in demographic housing demand. Hey, if we don't get serious about building more housing fast, and it's likely that we won't, this will be analogous to a demographic shock wave that hits the housing market. The population aging into homeownership is projected to exceed the population aging out, as in the death rate for a long time. This will pump housing demand, and that's not all. I've only talked domestically so far. This doesn't even account for additional demand from immigration. And immigrants tend to be younger and are renters for a long duration, or just forever. On top of immigration, the average number of people per household is falling as well. In 1960 3.3, people live per household in 1990 it was down to 2.6 by 2023 it was down to 2.5 this means that more housing is required just in order to shelter the same population. But of course, the population won't stay static. So to keep piling on with the housing demand here, the overall US population is projected to grow as well, from 342 million today to 383 million in 30 years. That's per the CBO. The demographics for senior housing are even more bullish. And of course, when I use the word bullish like this, this bullish sentiment that's from the investor side. If you're looking to buy your first home or find a place to rent, this is all more discouraging than perhaps all of our perpetual struggles to live a balanced life or lose weight. This baked into the cake. Demand is almost perfectly predictable, and it's of seismic importance to the real estate market. And yet, despite that fact, you know, more investors curiously fixate for month after month on something like the Fed's interest rate decision or the next jobs report. I mean, this is both harder to predict and way less significant than the sustainable demographic demand for rental housing that you got right there. So really, to sum up, this segment demographics reveal that housing demand should stay high for decades, long term, then you should expect higher home prices, higher occupancy rates and higher rents. And you can benefit by owning many rental properties. And our guest and I are about to discuss how you can do exactly that own many rental properties, and how to do it efficiently with less cash out of your pocket, including how you can start using other people's money before you even own a property when you're trying to qualify for a loan on a rental property, in some cases, you can Use a portion of the tenant's rent income toward your qualification income. Let's talk with this week's guest. There's one place that's created more financial freedom through real estate than any other lender in the entire nation that's time for a big welcome back to their president, Caeli Ridge.   Caeli Ridge  13:23 Keith Weinhold, my friend, thank you for having me happy to be here, sir.   Keith Weinhold  13:26 Oh, it's so good to have you here. You're a longtime friend of the show and so many of our listeners that you've helped originate investor mortgage loans. Caeli leads Ridge lending group. They're an investor centric lender. She does such a good concise job of explaining specifically what real estate investors need to know in optimizing your loan positions. In fact, on a previous episode, she once broke down every single line of a closing disclosure form for us one by one, detailing each individual closing cost and prepaid item and in there, besides being specific income property loan experts, they're really thorough and helpful that way. Well, Caeli, tell us about the key differences between owner occupied mortgage loans for buying a primary residence and investor mortgage loans for a rental property.   Caeli Ridge  14:17 The key things are that on a rental property, probably the biggest difference is going to be that for a rental property, there's additional incomes that potentially we get to use to help offset that new monthly liability, aka the mortgage payment, p, i, t i, principal, interest, tax and insurance, we have access to income potentially to help offset that. So in the debt to income ratio category, it can be a huge boon or a huge benefit, depending on what the individual's qualifications are. Additionally, in that same theme, we're not just confined to a conventional Fannie Freddie loan for investors. We have things like the DSCR debt service coverage ratio that you would not be able to apply to a primary residence, but also allows for income to help identify whether the property qualifies for financing.   Keith Weinhold  15:04 So for prospective investor borrower is wondering whether we'll have enough income to qualify for that property or not. Is it a certain percentage of the tenants rent income that is used in the investor borrowers qualification income?   Caeli Ridge  15:19 absolutely, so conventional full doc mortgages they are going to receive in the acquisition year formula, because there's two formulas that will be used in underwriting. One is called the acquisition year. The other one is called the Schedule E I'll focus on the acquisition year. This is applicable from the date that they acquire the property and until that tax year's Federal tax return is filed. I needed to find up to in a minute they get up to 75% of the gross rents minus the proposed p, i, t, I, principal, interest, tax and insurance. Now I say up to because it depends on two primary criteria that the borrower must possess in order to get the full 75% so think about it this way. There's three buckets. Okay, the first bucket gets the full 75% of whatever the gross rents are. The easy math example that I give, let's say that the gross rents are $1,000 a month. The PI ti proposed payment is 500 a month. If they're in bucket number one, and they get the full 75% of 1000 they have 750 bucks, right? And from that they're going to subtract out the $500 of mortgage payment. In that example, it would leave them with a gain positive 250 so that individual came to us with a debt to income ratio of x as a result of purchasing this investment property, their DTI is going to go down because they're $250 richer monthly. So 75% is the maximum you can use in the acquisition year. That individual in that bucket has to demonstrate two things. One, they have a primary housing expense, whether that's a mortgage or they rent, either is fine. And then second, they need to be able to demonstrate that they can they've had 12 months of history in owning investment property. So if they have both of those two things, they get the full 75 if they have one or the other, they're in bucket number two, which gives us an offset. They cannot have the full 75% they don't get the full gain, but I can offset. So going back to my example, using $1,000 of income and $500 of mortgage payment, they can't have the 250 gain, but I can give them up to 500 making that a zero, right? It's covered completely the mortgage payment. It's not increased any debt or anything in the example. So DTI would stay exactly the same as where they began, when we started. And then finally, bucket number three would mean that individuals that have neither of those two things, no primary they live rent free, no primary house expense, and they do not have 12 months demonstrated history currently, of being an investor. They get zero of the rental income, so they've got to support the full new payment within their DTI and keep it within that 50% threshold. So that was a long explanation to the question, but I think that that pretty much covers it.   Keith Weinhold  17:56 Now, That's really helpful. Okay, that can help the borrower's debt to income ratio. I guess a lot of cases is going to be helping it out by a small amount. What if, say that investors buying a new build rental property and there is no tenant, hence no rent income there yet.   Caeli Ridge  18:11 I'm so glad you asked. So on a subject property basis, that is the property in which they're purchasing at the moment in time. It's called the subject property. Those properties do not need to be tenant occupied. We can use assumptive rental income from the appraisal on a rental property that will come with some additional forms. It's called a 1007, it's just the number on the page. Those are rental income comps. The appraiser has given us an average of what those rents are going to be, and that's what we're going to use the 75% calculation on.   Keith Weinhold  18:41 Okay, that's really good to know new build or resale rental property, that's going to work the same with either one there. Now I know oftentimes that one wants to qualify. When we look at non order occupied properties, rental properties with conventional conforming loans from Fannie or Freddie, typically, one puts 20% down on those properties we've talked before. I think one can put as little as 15% down, although they would have PMI in that case, or alternatively, rather than putting 20% down, last time I checked, they could put 25% down and get a lower interest rate. So can you talk to us about the interplay of the percent down payment for rental property.   Caeli Ridge  19:21 I'll start by saying, more often than not, when you do the math the capital expenditure, or in this case, the difference between 5% down 80 versus 75% divided by the monthly payment difference, you're going to find that the leverage is going to outperform the higher 80% will outperform the lower 75% but absolutely, to your point, the payment is going to be less for two reasons. At the 75% level, the interest rate will be lower because you've got more skin in the game. The interest rate, loan level, price adjustment for 75% is going to be more attractive than it will be at 20% down. So the rate will be lower. And of course. The loan amount is lower, so both of those combined characteristics are going to create better cash flow, it's true, and a lower monthly payment. However, the math that I always want to promote, that people are doing is looking at it side by side, all you have to do, and it's actually much easier than people, I think, assume. So you figure out the capital expenditure difference. Let's just use 100 grand, okay, because his math is simple. So you've got $5,000 in additional capital that you'd be bringing to the table for the 75% option, right? Versus retaining the five grand, the payment difference is 50 bucks a month. Okay? Whatever the number is, all you're going to do is take the five grand and divide that by the payment difference, and that will give the individual the number of months it takes them to recapture that capital for the savings. Generally, my opinion, per an investment property is that if that number is in excess of 36 months, it's going to take you over 30 or three years to recapture that capital versus the savings. I'd keep my money because I can do one of a few things with it. If I chose to, I could cash flow the 50 bucks myself every month for 100 months, if that was the math. Or I could apply that five grand and use it with some other monies, perhaps, and buy another investment property, or put it in different investment asset class that would provide a return so more often than not, when they do that math, my belief is, when I do it, I'd say even 95% of the time, the higher the leverage is going to be, the better return numbers.   Keith Weinhold  21:27 We're philosophically aligned that way. We're leveraged proponents here, typically the smaller down payment, 20% is going to be better for you long term than 25% even though you'll get a somewhat lower interest rate on a rental property, putting 25% down rather than 20% when we pull back, we look at the interest rate difference between an owner occupied property and a rental property. What is the spread between the interest rate? Of course, you're going to pay higher interest rate on a rental property because it's a lot less likely that the borrower is going to walk away from their own home than they would a rental property.   Caeli Ridge  22:02 exactly and this is a great segue into those LLPAs that I always like that we spend some time talking about. So llpa, loan level, price adjustment. So for the GRE listeners, this is a more complicated concept, so I'm going to try and quickly break it down. Keith loves it when I get so wordy. So llpa is a positive or a negative number that associates with the individual characteristics of the loan transaction. So one of those characteristics, obviously, is occupancy. The loan level price adjustment for a primary residence versus an investment property is quite different, and for the reasons exactly that you described, there's a lot less risk in a primary then there will be in a rental. Because if an individual needs to choose between defaulting on where they live and an investment property, if it came down to that, obviously they're going to maintain, yeah, so they got to choose. So skin in the game, risk, etc, generally speaking. And there's all those other variables too, credit score, loan size, loan to value, property type, purchase versus refi, those are all unique llpas That will have their own unique number. But in general terms, an owner occupied where you live is typically going to price out an interest rate about one percentage point lower than you would find on an investment property, generally, if we're comparing apples to apples.   Keith Weinhold  23:15 talking about that risk difference for the lender, just like in the 20% versus 25% down. Example, there's less risk for the lender when you put 25% skin in the game. Hence the lower interest rate there too. Caeli, tell us about fitting the right mortgage type to the borrower. And of course, there are so many types. There's 30 year versus 15 year, fixed rate mortgages versus Adjustable Rate Mortgages, interest only, DSCR loans like you touched on. So tell us about getting that right fit for that individual borrower.   Caeli Ridge  23:49 This is a bit of a rabbit hole. So what I would start by saying is we do at Ridge take a lot of time on the front end and identifying not only what their needs are, their goals are, but obviously what their qualifications are, and marrying all of those things together and coming up with a roadmap that I like to call it, depending on where the individual is in their journey of real estate investing, as the tax returns may continue to be filed, and how aggressive they want to be with their deductions, maybe some cost segregation. I know I'm getting a little bit technical here, but because we maintain and have all of those products, it's very, very uncommon, or very rare, that we find an investor, potential client, that we do not have some sort of loan product to satisfy what their end game or end goal is. And you know, maybe we continue to graduate them. Let's say that they start in a DSCR because they can't qualify for Fannie Freddie today, but that is their ultimate goal. We're going to provide them with the insight and the background or the feedback that plants the seeds and gets them to that place in six months or a year, or whatever. So I hope I answered the question, depending on their individual needs and goals and qualifications, of course, really will dictate which one of those is going to be applicable.   Keith Weinhold  25:00 We've got a lot more to discuss, including, is it easier to approve w2 incomes from a day job versus 1099 from contract or gig work? And more, we're talking with the nation's foremost expert on income property. She is the president of ridge lending group, Caeli ridge. More, we come back. I'm your host. Keith Weinhold.  hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group and MLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, you can start your pre qualification and chat with President Chaley Ridge personally. Start now while it's on your mind at Ridge lendinggroup.com. That's ridgelendinggroup.com. Your bank is getting rich off of you, the national average bank account pays less than 1% on your savings. If your money isn't making 4% you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to an 8% return with compound interest year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor two, earn 8% hundreds of others are text family, 266, 866, learn more about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family, 266, 866   Robert Kiyosaki  27:00 This is Rich Dad, Poor Dad Author Robert Kiyosaki, listen to get rich education with Keith Weinhold, Don't Quit Your Daydream.   Keith Weinhold  27:18 Welcome back to get rich education. We're talking with Ridge lending Group President Chaley ridge. These discussions are great, because debt, through leverage, builds wealth even faster than compound interest, as I've discussed, and Caeli is really the linchpin in her company, and help makes that happen with reliable income property loans and Caeli today, there are a lot more people with sharing economy income, gig economy income, or doing contract work, and they're paid with a 1099 form that shows their income for that year, versus a w2 employee wage job. So can you tell us about whether it's easier to approve those that have a w2 income and that versus the 1099   Caeli Ridge  28:03 I don't know that I would classify it as easier as harder. It's just different. So on the 1099 first and foremost, if you don't have a 24 month history of having that kind of income, you're not going to get a conventional loan. And assuming that we're going to kind of keep on that path of Fannie Freddie's. Because remember, guys, if you can't fit into those boxes. We've got 10 others that we can look to to get the financing for. But if we're in the Fannie Freddie, that's really where this is applicable, the 1099 and the w2 I mean, they're really equal in terms of the overall process. The difference would be that with 1099 you must have that 24 month history. The calculation is that we're going to take an average, it gets a little bit convoluted, like anything else that is leverage or financing related, but a 24 month average of 1099 unless we can show that that individual, let's say that they're self employed and maybe a Schedule C, and they've got their 1099 coming in through that way. If they can show five year history of having license or being self employed that way, that instead of having to use a 24 month average, we'll use a 12 month average, and that may be to their advantage. Let's say that the most recent year filed is in a bit of a decline from the prior year. Let's just use 2022 and 23 let's say 23 is a little bit lower than 22 a 24 month average is not going to be as big a number than if I were to just to be able to take the 12 month average of the most recent year. So if that individual can demonstrate they have five years of being or receiving that kind of income, then instead of being a 24 month average, I get to choose and just do the 12 month average. So that would be one thing about the 1099 that I would say otherwise, yeah, they're just different. I don't know that one is harder than the other. As long as the qualifications are there, they're there.   Keith Weinhold  29:43 When I think about this, I guess it does make sense from the lender perspective. If you're paid and shown income there on your 1099 from sharing economy work, gig economy work, or being self employed, that's more volatile work than having a day job. Um, as an employee.   Caeli Ridge  30:01 Sure, absolutely. And if you can demonstrate that you have that history and you've been able to consistently earn and have those numbers, it's okay, yeah, but without the 24 months, you're not going to get a conventional loan. You're gonna have to look at DSCR or something else.   Keith Weinhold  30:15 We're talking about what it takes to qualify for income property loans today with Ridge lending Group President Caeli Ridge, when we talk about that qualification bar that needs to be met. Caeli, you see so many loan applications in there. You have a team. You look at and deal with so many situations when you're free, you even pick up the phone, sometimes yourself, and you will talk to individual borrowers. So what do you see in there as the top reasons for not qualifying for an income property loan.   Caeli Ridge  30:42 The top reasons for not qualifying for a conventional loan probably is debt to income ratio, yeah, more often than not of the three basic criteria, which are assets, enough cash to close or reserves, credit and then DTI, I would say it's the DTI category that more often than not, is the culprit for qualifying or not. And it may be as simple as how they filed their last year's tax return and saying, Okay, before you file 2024 don't do that until you send Ridge a draft, so that we can get ahead of what you may not have known to look for last time. They could be very simple, little easy fixes. And you know, sometimes maybe it's they don't want to pay the extra taxes, which sometimes that might be required. In which case we say, okay, let's pivot over to the DSCR options. In which case, by the way, just as a quick sidebar, I'm finding that gap is starting to narrow a little bit to the point that it's a lot more affordable in terms of the investment property and what cash flow is expected than it used to be. The differences between a Fannie Freddie rate and a DSCR rate is starting to narrow a little bit. So if you have to be DSCR, I would not shy away from that just because you assume I think it's going to be more reasonable for cash flow properties.   Keith Weinhold  31:52 Yeah, I'll tell you, when I was an employee as a day job worker grinding in my eight by 10 cubicle, as it was back in the day, and I was buying income properties. Yeah, the main thing I would get held up on is that my debt to income ratio, my DTI, was too high, and my salary was pretty strong, although not fantastic, not astronomically high, but I felt like I was a guy that was pretty good, pretty prudent with my finances. And yeah, it didn't feel good to be told hey, Keith, to lower your DTI. You need to pay off your 3% automobile loan that's at a nice fixed interest rate. I didn't want to have to do that, but I was willing to do that to retire the small loan in order to qualify for the big loan.   Caeli Ridge  32:36 That makes sense. I might just offer a comment in that regard. What you may have experienced at that time could have been what we call an overlay in the industry. So, yes, like anything, right? Lenders aren't created equal. Because we're so investor friendly and focused, we are going to go by the purest form of those Fannie Freddie guidelines. It's called a seller's guide. And as an example, let's just say that Fannie Freddie gives you 75% of the subject properties, gross rents, whereas B of A or I'm just picking on B of I don't know why, but some other lender may impose an overlay. It's like layers of risk and saying, No, we're not going to give you any rental income credit whatsoever, even though the guideline says that we can do it, our overlay says, No, we can't. So depending on who you're working with, credit unions are a little notorious for that being a little bit more restrictive in their box of guideline. So it may not always be what you think. So if you've had a lender, tell you DTI wise, you don't qualify, but you feel like this is not quite right. You should double check that, because it may be an overlay.   Keith Weinhold  33:34 Everyone is interested in interest rates. It's been so interesting with what's happened the past few years, ever really, since the covid Emergency cut took place in 2020 and the volatility that we've seen in interest rates, then we saw interest rates max out in this cycle at about 8% almost a year ago. What does this declining interest rate environment mean at a mortgage loan company? And what do you see for the future of rates there?   Caeli Ridge  34:02 Well, rates have been coming down. If you guys are watching the headlines, you're seeing those sound bites. We have started to see some more refinance activity than we were seeing before, certainly additional purchases as we start to see interest rates come down, I am of the opinion that we're going to continue to see some improvement in the rate department, dependent on some of the jobs reports that we'll be getting soon, so we'll see. But My money is on that, we'll continue to see some nice tailwind in the rate department throughout the rest of the year, and who knows what's going to happen? I mean, this is our election year, etc. We'll see how the rest of it plays out.   Keith Weinhold  34:33 How does a prospective borrower get their financial house in order themselves before getting a hold of you and your team there, what are some of those checklist items that they should do themselves at home first?   Caeli Ridge  34:47 like I said a bit ago, so you've got those three primary criteria. If you're wanting to qualify for those conventional full doc loans, think about your credit Do you know what that credit score is? Now, depending on some other variables, it doesn't have to be 800 Credit scores to qualify. I mean, we've got clients as low as 650 that are able to get financing conventionally, because they've got compensating factors, similarly for assets on the investment property side, the down payment and the closing costs and the reserves, none of those things can be borrowed or gifted. And that's very different than if it was an owner occupied, gifted and borrowed funds are okay for an owner occupied, for an investment property, they have to be sourced and seasoned, meaning your own funds over the last 60 days. So think about that. What your down payment is going to be an estimate of closing costs and make sure that you have the appropriate amount of capital. And then finally, that debt to income ratio. That's a slippery or one to try and calculate that for yourselves. But if you think about your minimum payments on your credit report. That's really all that goes into it. Minimum payments, not the debt load. The minimum payments on the credit report divided by the monthly income, gross income, you should be able to come up with a number, and 50% is that threshold. So if you can kind of just take that kind of mental back of the napkin of your own, you should have a pretty good gage on whether or not you think you're going to be in this box, or if getting into the game, or continuing to be in the game, is going to require some alternative loan types.   Keith Weinhold  36:05 Inflation has been such a story for the past three or four years, but some people aren't aware that there's actually been credit score inflation. Last time I checked, the average credit score had been slowly rising in the United States. What's the highest credit score that gets one the lowest rate.   Caeli Ridge  36:22 We're staying in the Fannie Freddie department, 760 and above is all the same bucket, if the individual qualifications are identical, if this one has an 850 credit and this one has a 760 credit, exactly the same in the interest rate department.   Keith Weinhold  36:35 And then, once they've engaged with you, what about locking in their interest rate. What duration did they have prior to closing? Tell us about that timeline.   Caeli Ridge  36:45 So an interest rate can be locked on a 15 day lock, a 30 day lock, a 45 day lock, even a 60 or 90 day lock, typically it's a 30 day lock that's the average. The shorter the period of lock, the better the rate and or points that you would pay. And the longer is the adverse right? The higher the rate of the higher the points. I like to look at locking an interest rate, usually when we get the appraisal back, because an appraisal can be the piece that might delay or there may be some issues. So I generally like to see the appraisal first. We've been in such a volatile area with interest rates and what might be happening in the ups and downs, etc. I've broken that rule quite a few times over the last couple of years, I would say today, floating may be to our advantage, just because we feel like rates are on the run and that they may continue to improve. Keeping in mind, once you lock in your interest rate, it is locked. Ridge does have a policy that if interest rates were to fall five, eight of a percentage point or point 625, you would have a one time automatic float down option. It's highly unlikely, and that's why we can kind of put that in there. But if it happened, we would honor that. Otherwise, when you're locked, you're stuck with that rate. You can't expect that if an eight through a quarter point comes off of or rates come down that much, that you're going to get a different rate. The only way to do that would be to let the existing one expire for 30 days and then relock market, which is not advisable.   Keith Weinhold  37:59 Yeah, you the investor, has to think about how important a lock really is to you in this declining interest rate environment, almost everyone expects mortgage rates to fall more slowly than they rose. They spiked up so fast in 2022 Caeli, how does our audience engage with you? Get Started and go on their path to getting investment property loans.   Caeli Ridge  38:24 Three ways to reach us. Obviously, we've got our website. Please check us out there. There's a lot of good information, ridgelendinggroup.com you can email us at info@ridgelendinggroup.com, and then finally, toll free is 855-747-4343 855-74RIDGE is that easy way to remember, and we'll be here on standby. Thanks, Keith.   Keith Weinhold  38:43 Ridge is the same place where I get my income property loans. It's been great having you back on the show. Thank you. Yeah, strong. Well laid out material from cheyley here, as always, let me give us a perspective on creating value by having a good loan rather than not having the debt. Remember that just four weeks ago, here on Episode 516 it was the episode about is every debt worth paying off? And the short answer is no. I got a couple questions from listeners of that episode basically asking the same thing. Well, just say that interest rates are 6% and basically they're asking, well, if I pay all cash for a property or for a car, it doesn't matter what it is, then I avoid paying 6% interest. So right there is my six points of arbitrage. Well, to that, I say, okay, but look what if you think you can achieve a 12% investment return? Borrowing at six to invested 12 is a 6% spread. That's 6% arbitrage as well. But here's the thing, you've got a big advantage of doing this with the loan rather than the paid off condition. This is because. With the loan, you still have the use of your money. You haven't given it away. You still have your money, plus the six points of arbitrage in the paid off condition. You've got six points of arbitrage and you don't have the use of the money any longer. That's the big difference, and that's the value of having a loan, as long as you can service the payments. Getting back to mortgage loans, in today's episode, there are so many loan types for property, conventional, Fannie, Freddie's, dscrs, Portfolio loans, bridge loans, rehab loans, recourse and non recourse loan types, balloon loans, arms and a lot more. Caeli and I didn't discuss their all in one loan, which is like a big, flexible HELOC that you can put on your property. It's such a good product that can help you. You can ask about their all in one loan. When it comes down to what are the factors you need to be most attentive to? They are your assets, reserves, credit, income and debt to income ratio, unless dependent on the loan type that you want. So much attention is paid to interest rates, and some attention is warranted. They surely matter. Be mindful, though, that a quarter of a percent interest rate change on a 30 year loan per 100k borrowed that is just a difference of about $15 in monthly payment, $15 if you go from, say, 6% down to five and three quarters percent, so it takes a rate drop of a full 1% for a savings of about $60 then once you have some of Your finances in order, you can go ahead and do just what I've done for my own properties. For your next income property loan, you can give them a call or start at Ridgelendinggroup.com Until next week, I'm your host. Keith Weinhold, Don't Quit Your Daydream.   41:58 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  42:18 The preceding program was brought to you by your home for wealth building, getricheducation.com.

Chinese Premier Li Qiang has called for the steady and orderly implementation of the reform on raising statutory retirement age. Li emphasizes adhering to the principle of voluntary participation and flexibility in implementing the policy.China recently passed legislation to gradually raise the statutory retirement age over a course of 15 years. There will also be a requirement for more years of contributions to the pension system in order to access pension benefits.To what extent can the new policy help China handle an aging population? Host Ding Heng is joined by Professor Ronald Lee from the Graduate School in Demography and Economics with the University of California, Berkeley; Dr. Zhou Sili, Associate Professor in Finance with University of Macau; Professor Liu Baocheng, Director of the Center for International Business Ethics with University of International Business and Economics.

Jennifer Sciubba, PhD, President and CEO of Population Reference Bureau, joins Kopi Time to discuss the science and policy dimensions of demographics. She begins by explaining the various ways of looking at population projections, pointing out that for most cases in recent decades, forecasts have ended up erring on the side of higher fertility. With fertility surprising on the downside and life expectancy rising, there is an overwhelming dynamic of rising median age the population around the world. Aging is pervasive and largely impervious to policy intervention. As people get wealthier and more educated, they tend to have less children, period. However, very low fertility rates likely reveal something not quite right with a society, from anxiety about cost of raising a child to a lack of societal purpose. Nonetheless, Dr. Sciubba is not pessimistic about a future with many more older people than today. The key is to strive for a society that ages without remaining ageist. Lower productivity and subdued economic growth may well be inevitable, but that doesn't need to come with a burdensome social construct. Accepting the forthcoming aging dynamic, building a dignified and resilient society with provisions for health, shelter, and requisite skills is the way to go.    You can watch Jennifer's Ted talk for a shorter version of her views: The Truth About Human Population Decline | Jennifer D. Sciubba | TED - YouTube.  See omnystudio.com/listener for privacy information.

Irish house prices are approaching double digit rates of increase. What is going on? Is it supply? Demand? Interest rates? Demography? The robust economy?Of course, it's all of the above. We need to think about all of these things. If you really want house prices to fall you would massively increase supply and aggressively raise interest rates. A good old fashioned recession would really help. So be careful what you wish for.The economy is, thankfully far from recession. But something weird is happening to sectoral trade trends with the UK. Become a member at https://plus.acast.com/s/the-other-hand-with-jim.power-and-chris.johns. Hosted on Acast. See acast.com/privacy for more information.

Henry talks with Dr Liz Allen, a demographer and lecturer at the ANU Centre for Social Research and Methods.  Audio production by Rob Kelly.

Minimum wage workers, especially those with children, face barriers to affordable child care. Child care costs can prevent working parents who earn minimum wage from participating in the labor market. Alternately, many child-care workers also face financial barriers because they, too, earn minimal wages. Therefore, increasing the minimum wage would alleviate financial burdens for both parents and child-care workers. In this episode, both Dr. Anna Godøy and Dr. Jennie Romich discuss their research on minimum wage and its effects on parental labor supply and the child care sector. Anna Godøy is a Senior Research Fellow at the Ragnar Frisch Center for Economic Research and an Associate Professor at the Department of Health Management and Health Economics at the University of Oslo, Norway. Her research interests include empirical labor economics, health economics, and policy evaluation. Dr. Jennie Romich is an Associate Professor of Social Work at the University of Washington, director of the West Coast Poverty Center, an active member of the Center for Studies of Demography and Ecology, and an IRP affiliate. Romich studies resources and economic well-being in families with a particular emphasis on low-income workers, household budgets, and families' interactions with public policy. Reference Papers: Parental Labor Supply: Evidence from Minimum Wage Changes  Responding to an increased minimum wage: A mixed methods study of child care businesses during the implementation of Seattle's minimum wage ordinance How will higher minimum wages affect family life and children's well‐being?    

The UN predicts global population will peak sometime in 2080s around 10 billion people. Companies, countries (think global social security schemes) and the commodities sector predicates forecasts on these assumptions. Yet, there is a growing body of evidence that these assumptions are far too optimistic and that not only will global population peak earlier but will subsequently decline much more rapidly. Already much of the West and Asia is in decline and replacement rates of falling at an accelerated pace. Is this a long-range risk no board rooms are talking about? Our guest is analyst, futurist and swine consultant Todd Thurman who has become a global authority on the subject on how it will impact the commodities world.  We also have an upcoming HC Commodities Live Event in Houston on September 19th. To RSVP (for free) please click here:https://www.eventcreate.com/e/hc-commodities-podcast-houston

Jay Bhattacharya is a Professor of Medicine at Stanford University. He is a research associate at the National Bureau of Economics Research, a senior fellow at the Stanford Institute for Economic Policy Research, and at the Stanford Freeman Spogli Institute. He holds courtesy appointments as Professor in Economics and in Health Research and Policy. He directs the Stanford Center on the Demography of Health and Aging. Dr. Bhattacharya's research focuses on the economics of health care around the world with a particular emphasis on the health and well-being of vulnerable populations. Dr. Bhattacharya's peer-reviewed research has been published in economics, statistics, legal, medical, public health, and health policy journals. He holds an MD and PhD in economics from Stanford University. In this podcast conversation, we talk about the intersection between politics and covid, including what we now know about various hot topics related to the Covid19 pandemic: the efficacy of lockdowns, vaccines, natural immunity, and other debated topics.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Jay Bhattacharya is a Professor of Health Policy at Stanford University and a research associate at the National Bureau of Economics Research. He directs Stanford's Center for Demography and Economics of Health and Aging. His work focuses on the health and well-being of vulnerable populations, with a particular emphasis on the role of government programs, biomedical innovation, and economics. His recent research is on the epidemiology of COVID-19 as well as an evaluation of policy responses to the epidemic. Shermer and Bhattacharya discuss: loss of trust in medical and scientific institutions • how well did lockdowns and masks really work • Lab Leak vs. Zoonomic hypothesis • hydroxychloroquine & ivermectin • debating anti-vaxxers, RFK, Jr., and conspiracy theories • myocarditis, Robert Malone, mRNA vaccines, Joe Rogan, Peter Hotez • The Great Barrington Declaration • the cost to the economy and education • which countries and states did better or worse.

Dr. Jay Bhattacharya is a professor of medicine, economics, and health research policy at Stanford University, where he is also the director of Stanford's Center for Demography and Economics of Health and Aging. After dedicating much of his career to studying the economics of health care, when the COVID-19 crisis began, Dr. Bhattacharya shifted his research focus to the epidemiology of COVID-19, the lethality of COVID-19 infection, and the effectiveness and effects of lockdown policies. This led him to co-author an open letter, The Great Barrington Declaration, which advocated for a lift of restrictions on lower-risk groups to develop herd immunity. He is also the co-author of the widely acclaimed textbook Health Economics, a staple in undergraduate and graduate curricula worldwide. He holds four degrees from Stanford: a BA, an AM, an MD, and a PhD in economics. ------ Thank you to the sponsors that fuel our podcast and our team: Lucy https://lucy.co/tetra ------ LMNT Electrolytes https://drinklmnt.com/tetra ------ Squarespace https://squarespace.com/tetra ------ House of Macadamias https://www.houseofmacadamias.com/tetra

Dr. Gregg's article: "China's Economic Facade is Cracking "

"I want to be wowed by the world. I want to gaze at it in awe and wonder. And I think when we take a step back and begin to appreciate the complexity of the interactions around us. We're taking note of a very porous between the self and the rest of the world. We are literally observing our enmeshment in our environment. And it's that kind of a reference frameshift that I think is going to help us move out of some of the darkness. My mother is an artist, and I think growing up surrounded by her practice exposed me to the creative process and is probably that which afforded me a certain sympathy for those tools and those modes of exploring the world later in life."Clayton Page Aldern is an award winning neuroscientist turned environmental journalist whose work has appeared in The Atlantic, The Guardian, The Economist, and Grist, where he is a senior data reporter. A Rhodes Scholar, he holds a Master's in Neuroscience and a Master's in Public Policy from the University of Oxford. He is also a research affiliate at the Center for Studies in Demography and Ecology at the University of Washington. He is the author of The Weight of Nature: How a Changing Climate Changes Our Minds, Brains, and Bodies, which explores the neurobiological impacts of rapid environmental change.https://claytonaldern.comwww.penguinrandomhouse.com/books/717097/the-weight-of-nature-by-clayton-page-aldern https://csde.washington.edu www.creativeprocess.infowww.oneplanetpodcast.orgIG www.instagram.com/creativeprocesspodcast

How does a changing climate affect our minds, brains and bodies?Clayton Page Aldern is an award winning neuroscientist turned environmental journalist whose work has appeared in The Atlantic, The Guardian, The Economist, and Grist, where he is a senior data reporter. A Rhodes Scholar, he holds a Master's in Neuroscience and a Master's in Public Policy from the University of Oxford. He is also a research affiliate at the Center for Studies in Demography and Ecology at the University of Washington. He is the author of The Weight of Nature: How a Changing Climate Changes Our Minds, Brains, and Bodies, which explores the neurobiological impacts of rapid environmental change."I want to be wowed by the world. I want to gaze at it in awe and wonder. And I think when we take a step back and begin to appreciate the complexity of the interactions around us. We're taking note of a very porous between the self and the rest of the world. We are literally observing our enmeshment in our environment. And it's that kind of a reference frameshift that I think is going to help us move out of some of the darkness. My mother is an artist, and I think growing up surrounded by her practice exposed me to the creative process and is probably that which afforded me a certain sympathy for those tools and those modes of exploring the world later in life."https://claytonaldern.comwww.penguinrandomhouse.com/books/717097/the-weight-of-nature-by-clayton-page-aldern https://csde.washington.edu www.creativeprocess.infowww.oneplanetpodcast.orgIG www.instagram.com/creativeprocesspodcast

Over two decades ago, Ruy Teixeira predicted that America was on its way to a bright blue future, thanks to an inevitable demographic shift that would deliver the Party a dominant, durable political coalition. “Demography is destiny” became the mantra of the Democratic Party—proven out by Obama's decisive 2008 electoral college win. But then, in 2016, Trump upended that coalition, and, consequently, anti-Trumpism naturally became a defining feature of the Democratic Party. But—beyond its opposition to Trump—what does the Democratic Party stand for today? With the Republican Party infected with extremism and so embarrassingly unable to govern, why aren't Democrats winning sustainable majorities? And why is the Democratic party still losing ground with some of the core parts of its base? In the second part of this two-part conversation, former Center for American Progress senior fellow Ruy Teixeira joins Ron Steslow to discuss his new book Where Have All the Democrats Gone? The Soul of the Party in the Age of Extremes. In part 2: (01:06 ) The shift towards identity politics and how it's changing the party's approach to race and civil rights (08:40) Radical approaches to transgender rights (16:50) The change in environmental policy from responsible stewardship to the more extreme positions of the Green New Deal (41:14) The rise in independent voters, what it really means, and how it should impact political strategy (45:45) Whether it's even possible for structural reforms in our political system to improve the health of our democracy Read Where Have All the Democrats Gone?: https://bit.ly/3P8hpGm Check out The Liberal Patriot: https://www.liberalpatriot.com/ Follow Ron  on X (formerly Twitter): https://twitter.com/RonSteslow Email your questions and thoughts to podcast@politicology.com or leave us a voicemail at ‪(202) 455-4558‬. Learn more about your ad choices. Visit megaphone.fm/adchoices

Over two decades ago, Ruy Teixeira predicted that America was on its way to a bright blue future, thanks to an inevitable demographic shift that would deliver the Party a dominant, durable political coalition. “Demography is destiny” became the mantra of the Democratic Party—proven out by Obama's decisive 2008 electoral college win. But then, in 2016, Trump upended that coalition, and, consequently, anti-Trumpism naturally became a defining feature of the Democratic Party. But—beyond its opposition to Trump—what does the Democratic Party stand for today? With the Republican Party infected with extremism and so embarrassingly unable to govern, why aren't Democrats winning sustainable majorities? And why is the Democratic party still losing ground with some of the core parts of its base? In this two-part conversation, former Center for American Progress senior fellow Ruy Teixeira joins Ron Steslow to discuss his new book Where Have All the Democrats Gone? The Soul of the Party in the Age of Extremes. In part 1: (01:50 ) Ruy's background (05:00) How the Democrats became the party of the elites  (10:10)The impact of the 2016 election  (23:23) The importance of working class voters in the Democratic party's victories  (30:20) The party's increasingly liberal stance on immigration  Read Where Have All the Democrats Gone?: https://bit.ly/3P8hpGm Check out The Liberal Patriot: https://www.liberalpatriot.com/ Follow Ron  on X (formerly Twitter): https://twitter.com/RonSteslow Email your questions and thoughts to podcast@politicology.com or leave us a voicemail at ‪(202) 455-4558‬. Learn more about your ad choices. Visit megaphone.fm/adchoices