Podcasts about Americans

From a Missouri resident confronting Republican Representative Mark Alford to the absurdity of televised cabinet meetings, Stephanie Miller dissects the state of democracy and the challenges faced by working Americans. Tune in for a humorous yet critical take on the latest news, including the implications of Trump's actions and the resilience of Democrats in the face of adversity. With guests Bob Cesca and Carlos Alazraqui!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We have another Burning Man update, this time it's all about the Orgy Tent, what did Taylors engagment outfit cost and what are people betting on the Kelce/Swift wedding? What can't Americans stop buying and younger generations are saying they are with Boomers on these topics.

We are information central for Taylor Swift and Travis Kelce's engagement....cost, bets on wedding, and Easter Eggs! Plus what Americans cant stop buying, what the last straw was for some women, and what's the big deal about the Cracker Barrell logo drama?

The United States is a deeply divided country awash in weapons, leading many to worry about escalating political violence and even a broader sectarian conflict. Judy Woodruff traveled to Northern Ireland, a place steeped in both political violence and the hope for peace, to find out what lessons we might learn from its experience. It's for her series, America at a Crossroads. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

In “We Sure Eat Good When Someone Dies,” Gravy producer Caleb Johnson takes listeners back to August 2024, when his extended family gathered inside a Baptist church in Arley, Alabama, to mourn the loss of their matriarch—his grandmother, Celia Sampley. Before the funeral service, the church served lunch for the family, including chicken and dumplings, green-bean casserole, and plenty of desserts. A particular cake caught Caleb's eye that day, called a pea picking cake. In this episode, Caleb steps into the kitchen of the woman who baked that memorable cake and explores how eating something sweet helps us process grief. The cook's name is Sandra Stewart, and she was a good friend of Caleb's grandmother. They attended Bethel Baptist Church together for many years. When it came time to bake something for the funeral wake, Sandra looked through her large recipe book. She chose a pea picking cake because all the ingredients she needed were already in her pantry. Her choice was mainly for convenience. Traditionally, recipes for pea picking cake call for using a box cake mix. The first box cake mix was created in the 1930s, but it didn't become popular until after World War II. Caleb talks with food historian KC Hysmith about the mysterious origins of the pea picking cake and how it fits into a tradition of fancy box cakes that grew popular in the second half of the twentieth century, a time when home cooks started using more store-bought, convenience ingredients. Caleb also speaks with Dr. Candi K. Cann, a professor of religion at Baylor University and a self-described death scholar, about funeral traditions involving food around the world. She explains that these traditions help mourners revisit meaningful relationships. However, despite the close link between funerals and foodways, Dr. Cann says Americans aren't taught how to navigate grief, partly because individualism is a key part of the Protestant faith. She believes this has led to less emphasis on communal meals like the one served at Caleb's grandmother's wake. *** This episode was reported by Caleb Johnson. Johnson is the author of the novel Treeborne, and a frequent contributor to the Gravy podcast and magazine. He teaches creative writing at Appalachian State University.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Ken Rosato fills in for Mark Simone. A new poll from the Associated Press states that a vast majority of Americans, about 80 percent, think crime is a significant issue in the USA.See omnystudio.com/listener for privacy information.

Ken Rosato fills in for Mark Simone. A new poll from the Associated Press states that a vast majority of Americans, about 80 percent, think crime is a significant issue in the USA. Ken takes your calls! Ken interviews Billy Prempeh - US Air Force veteran, Lifelong Paterson Resident, and 2026 NJ-CD9 Republican candidate for Congress. Billy believes that the USA has one of the lowest birth rates in the world due to its economy. Billy doesn't think Democratic candidate for governor of NJ, Mikkie Sherill, is targeting the needs of the people, such as the economy and the energy crisis in NJ.See omnystudio.com/listener for privacy information.

Ken Rosato fills in for Mark Simone. A new poll from the Associated Press states that a vast majority of Americans, about 80 percent, think crime is a significant issue in the USA. Ken interviews Billy Prempeh - US Air Force veteran, Lifelong Paterson Resident, and 2026 NJ-CD9 Republican candidate for Congress. Billy believes that the USA has one of the lowest birth rates in the world due to its economy. Billy doesn't think Democratic candidate for governor of NJ, Mikkie Sherill, is targeting the needs of the people, such as the economy and the energy crisis in NJ. Ken Rosato fills in for Mark Simone. Minority Leader Hakeem Jefferies played the race card against President Trump for firing Fed Governor Lisa Cook, who is an African American female, regarding alleged mortgage fraud. Ken interviews Michael Tannousis, Staten Island Assemblymember. The MTA should be audited for its mismanagement over the years. Michael sees a high possibility for National Guard troops to be deployed for patrolling crime in NYC. See omnystudio.com/listener for privacy information.

Open Forum: Pastor Amos opened the forum by welcoming attendees, sharing updates on the new schedule, and announcing events such as a midweek service on evangelism and an AI workshop. He reiterated the "Year of Believe" theme, encouraging personal belief amid broader societal turmoil. Stephanie reflected on her writing session's low turnout and shared her evolving documentary thesis on America's historical sins and spiritual wounds, prompting a deep discussion with Pastor Amos about national repentance and forgiveness. Her racial reconciliation project led to dialogue about healing between Black and white Americans, with contributions from Lynette, a film producer, and Pastor Amos, who emphasized cultural forgiveness and the limits of movements like "white fragility." Arlene shared her faith-led career transition and business discernment, while Bose sought advice on integrating faith into career coaching; Pastor Amos advised aligning her calling with her anointing. Lynette also sought spiritual support for an upcoming council meeting, receiving encouragement from the group, which closed in prayer. Partner with Us: https://churchforentrepreneurs.com/partner Connect with Us: https://churchforentrepreneurs.com                  

Full shownotes, transcript and resources here: https://soundbitesrd.com/293                 Food ethnographer Lucy Woods has spent the last several years diving deep into the evolving landscape of protein consumption. Lucy's expertise lies in uncovering the “why” behind the ways people eat, with a specific focus on protein – from red meat and poultry to plant-based options and protein-packed snacks. Her recent research revealed that 61% of Americans increased their protein intake in 2024, compared to just 48% in 2019. She's been on the ground, listening to consumers share their motivations, from wellness and fitness goals to convenience and indulgence. Tune in to this episode to learn about: ●       new ethnographic research on protein consumption trends ●       shifts in identifying as flexitarian, omnivore or carnivore ●       3 key trends identified in this research ●       different motivations for eating protein ●       why people are including and/or increasing protein intake ●       the types of protein people are seeking ●       which types of protein rank highest for flavor, nutrition, convenience ●       what people look for on protein food labels ●       social micro cultures and their impact on protein trends ●       snacking insights and product innovations ●       how consumers are navigating higher grocery prices ●       how to access the full report

In this episode of The Art of Dental Finance and Management, Art Wiederman, CPA, sits down with Mike Pennisi, owner and founder of the Renovo Group. Mike shares his knowledge of what dentists should know when designing and building a dental office. With over 18 years of experience and over 250 offices built, Mike shares valuable insights for practice owners considering a new build, remodel, or expansion.Art and Mike cover the key considerations dentists should discuss when planning their office, including aligning the design with their practice vision, supporting today's dental technology, and evaluating potential challenges with landlords. Other episode topics include Americans with Disabilities Act (ADA) compliance, the differences between ground-up builds and expansions, how payment schedules are structured, and the impact of current tariff policies on construction costs.Listeners will also learn how to coordinate with other professionals, such as banks, CPAs, and attorneys, to help ensure every project stage runs smoothly. This episode is a must-listen for any dentist planning to build, remodel, or expand their office.

More Canadians are getting caught up in U.S. President Donald Trump's border security crackdown. New data shows American agents are searching more mobile phones than ever before, even though trips south of the 49th parallel continue to plummet.And: Denmark has summoned the head of the U.S. Embassy over claims three Americans linked to Trump are running an influence campaign in Greenland. The trio is suspected of promoting the territory's split from Denmark to the U.S.Also: The rising popularity of caffeine pouches. Teens like them for their energy rush, but medical experts warn the products may pack a bigger punch than users bargained for.Plus: Deadly Catholic school shooting in Minnesota, the struggle to control a legionnaires' outbreak in Ontario, A Cree community's push to become a new First Nation, and more.

Quit Cracking"Quiet cracking" is a workplace term for the gradual psychological and emotional deterioration of an employee who remains in their job but becomes increasingly disengaged, unmotivated, and unhappy, often due to factors like lack of career growth, feelings of being undervalued, burnout, and job insecurity from AI or a difficult job market. Unlike "quiet quitting," which is a conscious decision to do the bare minimum, quiet cracking is a subtle, slow decline in motivation and productivity that can lead to disengagement and increased stress. Have you ever been there & how did you get yourself out of it?You Need More SleepThere are obvious signs that a person needs to get more sleep and then there are the sneaky signs the body slips our way. Poor sleep is very common and there are some weird signs that you are a victim of it, according to the Speed Foundation. Hormonal and menstrual changesAches and painsClumsinessWeight gainGetting tongue-tied‘Microsleep' episodesDental issuesNew research reveals that people are getting braver about skipping excessive tips.A new survey of 2-thousand U.S. adults asks about their approaches to tipping and finds that the average person is still “guilt-tipping” nearly $300 a year more than they want to because of social pressure. That's still a lot of money, but it's a lot less than last year's total. According to the poll, the average person reluctantly tips $24 a month more than they think is fair because of guilt or the awkwardness of not tipping.That adds up to $283 over a year, but it's a big drop from 2024's guilt-tipping tally of $453.This year, Americans guilt tip an average of 4.2 times a month, down from last year's 6.3 average of times a month.Overall, 20% of respondents say they always or often tip higher because they feel pressured or guilty, but 29% say they rarely or never do.More than a third (37%) report that the tipping option amounts are higher than they used to be now.In general, 22% say they tip less across the board in 2025, but 32% actually tip more now to specifically support workers.And more than three-quarters (78%) think businesses should pay employees more so they don't have to rely on tips.Second Date UpdateBrynn calls us about Patrick. They met on Hinge. Brynn thought they clicked — but Patrick ghosted. They went for coffee for their first date. Nothing sticks out in her mind that went wrong on the date. They had a lot in common. She was attracted to him. She was sure there would be a second date.

Americans drink some 450 million cups of coffee each day. Coffee beans from Brazil face a 50% U.S. import duty. And while President Donald Trump's tariffs aim to reshore American production and manufacturing, coffee beans can't really be grown around the U.S. We'll hear what sort of trouble's brewing for coffee sellers as a result. But first, we'll break down the attempted firing of one of America's central bankers.

We return to November, 1979 when radical Iranian students seized the US Embassy in Tehran and took dozens of Americans hostage.  Mark and Cora Lijek were two American officials stuck in Tehran, and in 2008 they shared their story with the late Peter Earnest, the founding director of the International Spy Museum. And this time they were joined by retired CIA officer Tony Mendez, who passed away in 2019. Tony helped plan and execute an elaborate deception and disguise operation, exfiltrating the diplomats before the Iranians figured it out. Prefer to watch your podcasts? Find us on YouTube at https://www.youtube.com/@IntlSpyMuseum/podcasts.  Subscribe to Sasha's Substack, HUMINT, to get more intelligence stories: https://sashaingber.substack.com/  And if you have feedback or want to hear about a particular topic, you can reach us by E-mail at SpyCast@Spymuseum.org.  This show is brought to you from Goat Rodeo, Airwave, and the International Spy Museum in Washington, DC. Learn more about your ad choices. Visit megaphone.fm/adchoices

Americans drink some 450 million cups of coffee each day. Coffee beans from Brazil face a 50% U.S. import duty. And while President Donald Trump's tariffs aim to reshore American production and manufacturing, coffee beans can't really be grown around the U.S. We'll hear what sort of trouble's brewing for coffee sellers as a result. But first, we'll break down the attempted firing of one of America's central bankers.

America Out Loud PULSE with Dr. Mary Talley Bowden – Approximately 14% of Americans, with a higher prevalence among women (18%), are currently taking antidepressants. This widespread use, particularly among children, is alarming, as the medications can lead to physical dependence, making discontinuation difficult. Dr. Witt-During attributes the rising prescription rates to a carefully crafted...

Discovered in the 90s and hidden away, what do they know about this underground shaft that even Herodotis talked about. Mob King comes back and shares his thoughts. In the more we talk about what Americans always talk about - fast food! We stream live video every sunday at 4 pm pacific only at www.SchrabHomeVideo.com visit RealLifeSciFi.show  Support us and get more content at Patreon.com/reallifescifi we exist because of you. hit us up at WadeandWilly@gmail.com Thank you for listening  Thank you for having friends with different beliefs than you. recorded 8/19/25

TUESDAY HR 2 RRR Trivia - Survey of 20k Americans. Who is their favorite chef? France in the house!! Celeb Chef's! Russ pitches a recent dream to Angelique. See omnystudio.com/listener for privacy information.

This week's topics: • New age foxes • Fox hunting • Dead cats in Wahala's garden • Joe & Jada Podcast • Cam'ron v Cuba Gooding • Petty Rappers • Mo Gilligan & J Hus neglecting their kids? • Umar Johnson selling himself for dates • How much could we earn if we sold ourselves for dates • Time v money • The importance of personal assistants • Women bosses harder of women subordinates • AI taking the place of employees • Billy Danze could be the most underrated rapper ever • Twins & loss • Teaching children resilience • Panic and it's detrimental effects • Would our WAGs let us pimp ourselves • Sleeping for money • Forbes Black Billionaire List littered with Americans & Nigerian • Real Housewives of Lagos • Eberechi Eze to Arsenal • Henry v Wright & Henry v Salah • #StavrosSays : Joe & Jada Podcast [https://www.youtube.com/@JoeAndJada] Connect with us at & send your questions & comments to: #ESNpod so we can find your comments www.esnpodcast.com www.facebook.com/ESNpodcasts www.twitter.com/ESNpodcast www.instagram.com/ESNpodcast @esnpodcast on all other social media esnpodcast@gmail.com It's important to subscribe, rate and review us on your apple products. You can do that here... www.bit.ly/esnitunes

My Husband, The Jeff, Has a New Habit & I am Not Here For itJeff has this habit of saying to "no" to everything without taking a minute to consider the idea. Happy hour? No. Watch this new TV Series? No. And if I question why he says no, he responds..."fine, just do it since I have no say." What?! It is really annoying.Cheap Dopamine HitsPeople Are Sharing Their Best Low-Cost Dopamine- Boosting Activities"Watching the clouds is so underrated.""Building and creating things out of items you already have. Lately, I've been really into mending and making or upcycling used clothes.""Working out.""Hiking, especially to waterfalls. .""I work at a cat rescue and also foster kittens at home when needed.""Woodworking. All you really need are like four tools, and you can make all sorts of cool stuff from sticks.""Propagating plants instead of buying new ones.""Ice bathing in the early morning."“Jump rope, martial arts, skateboarding, riding bikes, learning, yoga, any movement, and music."Money MilestonesThe ages Americans think you should be for these money milestones:Start saving for retirement - Age 27. But retirement planners say if you start any time in your 20s, you're doing great and research shows that younger people are saving early.To land your dream job - Age 29. The thing is, the average American changes jobs a dozen times between the time they're 18 and 56. So most of us haven't found a dream job by 29, or we wouldn't leave it.To buy your first home - Age 30. Home prices have spiked since 2020 and mortgage rates are high as well, so homes are less affordable. To earn six figures - Age 35. A lot of Americans will never make a six-figure income. The average full-time worker in the U.S. made about $12-hundred a week in the second quarter of 2025, or about $62,500 a year, federal data shows.To become debt-free - Age 41. There are different kinds of debt and not all are bad, like a mortgage, which can work like a huge piggy bank that gets more valuable with every payment.To retire - Age 58. Retirement experts agree that's a little early, but if you have millions saved, why not?Second Date UpdateCamila calls us about Jordan. They met on Match and went to brunch in Burlingame. Camila thought the date was smooth. She and Jordan "totally vibed." Plus, there were plenty of brunch cocktails and that really loosened up the conversation. They ended with a hug and he promised to call. But Jordan ghosted.

Dave and Chuck the Freak talk about everyone in a bad mood, emailer wrote a song for Mondays, most famous people of 1985, update on pretzel pin, update on the woman who ran a Burger King all by herself—she’s been fired, Uber driver punches and headbutts passenger with service dog, another lady busted for rubbing a rub and tug, tennis player joined OnlyFans, Shohei Ohtani trolled heckler after hitting homerun, majority of Americans will reschedule plans to watch football, massive dust storm at Burning Man, guy claims he can tell how often people jerk it based on their hands, shows that slowly bled out, 2 old ladies rescued from hot tub they got stuck in, man installed hidden camera in buddy’s bedroom, woman charged with drug trafficking, ladies fawning over hot priest, iHOP waitress caressed female customer, drunk hot dog lady toilet papers neighbor’s car, drunk and high flight attendant locked himself naked in bathroom, man managed to stop for gas and continue on during high speed chase, cop jumps through guy’s window, serial butt-sniffer arrested again, Colorado park ranger arrested for stabbing hoax, Grady Judd wears gold drip during press conference, woman accused of illegally implanting veneers, man used AI to track down stolen Lambo, Google AI is reporting restaurant specials that don’t exist, Hooters wants to turn thing around by making it delightfully tacky, and more!

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key 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   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   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  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

Jeff and Rebecca talk about a big new survey of American reading habits, the Polari Prize closing up shop for the year, Katabasis getting an adaptation, ghost-written vanity memoirs, and more. Subscribe to the podcast via RSS, Apple Podcasts, and Spotify. Sign up for the Book Riot Podcast Newsletter and follow the show on Instagram and Bluesky. Get more industry news with our Today in Books daily newsletter. Ready for a cozy, bookish autumn? Let Tailored Book Recommendations help you find your next favorite read with handpicked suggestions from professional book nerds. Get started today from just $18! Use code BOOKRIOT to get an exclusive 60% off an annual Incogni plan at https://incogni.com/bookriot The Book Riot Podcast is a proud member of the Airwave Podcast Network. This content contains affiliate links. When you buy through these links, we may earn an affiliate commission. Discussed in this episode: Update: Polari Prizes canceled in response to protest Katabasis set for TV adaptation Study shows 40% decline in Americans who read for pleasure 2004-2023 BookTok is boosting sales at romance bookstores Wealthy retirees are commissioning ghost-written memoirs Church Camp by Cara Meredith Katabasis by R.F. Kuang Abundance by Klein and Thompson Endling by Maria Reva Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus, Keurig Dr Pepper strikes an $18 billion deal to buy JDE Peet's before spinning off its coffee and beverage units. And, a new study shows the wealthiest Americans might be paying more tax than previously thought. Azhar Sukri hosts. Sign up for WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

There's something that's quietly stealing joy from the military community and millions of Americans every single day. It's something that has completely warped our understanding of what financial success looks like. In this episode, I'm breaking down how social media is impacting people's financial lives and sharing why getting back to basics isn't just smart, it's essential for our mental health and financial well-being. https://milmo.co/podcast/true-financial-success For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook

In this episode of Gimme Some Truth, hosts Clint Walkner and Syl Michelin take a closer look at the S&P 500 index, separating fact from fiction. Many investors assume the S&P 500 is broadly diversified and a true reflection of the U.S. economy—but the reality is more complex.We break down the history and performance of the S&P 500, uncover the truth about its concentration in mega-cap tech stocks and select sectors, and explain why relying on it as a sole investment strategy carries significant risks. You'll also learn how global factors influence the index and why diversification may not be what it seems.If you want to make smarter, more informed investment decisions, this episode will help you rethink your approach to the S&P 500 and portfolio diversification.Episode Breakdown:00:00 – Introduction and Fun Fact about the S&P 50001:07 – Debunking the Diversification Myth02:52 – Sector Concentration in the S&P 50006:14 – Global Influence on the Index09:19 – Risks of Using the S&P 500 as a Sole Investment Strategy14:49 – Conclusion and Final Thoughts

What's the matter with America? We've been told for years about the dumb working class MAGA voter. That they are exploited by Trump, that their interests are the reverse of a self-interested Republican cultural or economic elite. But according to the iconoclastic Tablet magazine contributor Michael Lind, we've got it the wrong way around. MAGA Voters are anything but stupid, he argues. That's why they don't care what dissenting podcasters like Tucker Carlson think. Instead, they're making rational choices based on their material interests, not blindly following con-celebs like Carlson, Laura Loomer or Curtis Yarvin. The real Trump coalition consists of two groups that pundits consistently misunderstand: reliable Republican voters who will support any GOP presidential nominee, and more crucially, swing voters in swing states. Rather than following the latest ideological dramas between right-wing influencers, these supposedly swing-voting “low-information voters” are making practical decisions about their lives. So actually, Lind implies, echoing other contrarian American populists like Thomas Frank, there's nothing the matter with a United States that somebody representing the class interests of ordinary Americans couldn't fix. 1. Right-Wing Influencers Have Zero Real Political Power Podcasters like Tucker Carlson, Laura Loomer, and Curtis Yarvin may dominate online political discourse, but they have "next to no influence on actual policy." When they turn against Trump, there are no electoral consequences because they don't command actual voter armies—just online audiences.2. MAGA Voters Are Making Rational Economic Calculations The "low-information" swing voters who decide elections aren't following ideological media rabbit holes. They're high school or some-college educated people making practical decisions about their material interests, not consuming political content or caring about intellectual debates among conservative influencers.3. America Is Experiencing a Class War Between Managers and Everyone Else The real divide isn't left vs. right but between a highly credentialed "managerial elite" who control large institutions and an unlikely coalition of working-class voters and outsider entrepreneurs (like Silicon Valley founders) who resent bureaucratic control.4. Trump Rebuilt FDR's Coalition for the Republican Party Through a complete partisan realignment, Trump assembled the same geographic and demographic base that supported Democrats from Andrew Jackson through LBJ—while today's Democratic Party represents the Northeastern establishment that Republicans used to champion.5. The Solution Requires Rebuilding Civil Society, Not Better Politicians America's crisis stems from over-centralization and the collapse of intermediate institutions like unions, local political parties, and churches. Real change requires "democratic pluralism"—giving ordinary people power between elections through rebuilt grassroots organizations, not just voting for better candidates every few years.Keen On America is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit keenon.substack.com/subscribe

Americans are flocking to gyms and fitness classes. It wasn't always that way. This episode was produced by Hady Mawajdeh, edited by Miranda Kennedy with help from Naureen Khan, fact-checked by Melissa Hirsch, engineered by Andrea Kristinsdottir and hosted by Jonquilyn Hill. Photo of an outdoor group fitness class by ANDREW CABALLERO-REYNOLDS/AFP via Getty Images. If you have a question, give us a call on 1-800-618-8545 or send us a note here. Listen to Explain It to Me ad-free by becoming a Vox Member: vox.com/members.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dan Buettner discovered the five places in the world (dubbed “blue zones”) where people live the longest, healthiest lives. He has devoted his life to studying them.In this episode of the Align Podcast, New York Times bestselling author Dan Buettner shares what really drives longevity and happiness (spoiler: it's not just supplements or strict routines.) Dan breaks down the common traits in Blue Zones around the world, exploring parallels between modern society and ancient civilizations, and how reshaping your surroundings can change everything. We cover powerful insights from his new book Blue Zones Kitchen: One Pot Meals and how you can apply them in your everyday life to feel better and live longer.OUR GUESTDan Buettner is a National Geographic Explorer and multiple New York Times Bestselling author. He discovered the five places in the world – dubbed blue zones – where people live the longest, healthiest lives. His articles about these places in The New York Times Magazine and National Geographic are two of the most popular for both publications.Buettner founded Blue Zones LLC, a company that works in partnership with city governments, hospital systems, and insurance companies to implement insights he gleaned in Blue Zones to help make cities healthier. In one such city, Fort Worth Texas, obesity rates dropped by 3%, and the city reported $250 million in projected health care cost savings. To date, over 70 cities have adopted Blue Zones Projects, improving the health of more than 10 million Americans to date.Dan's newest book, Blue Zones Kitchen: One Pot Meals; 100 Recipes to Live to 100, hits shelves on September 2. Backed by research and designed for busy Americans, this book tackles the root of chronic disease: ultra-processed food. With the average American eating out over 100 times a year—consuming 300 extra sugar- and sodium-laced calories each time—Dan makes the case for a powerful solution: cooking at home. To make it doable, he teamed up with a Stanford AI lab to analyze over 670,000 popular recipes, isolating the most-loved flavor profiles. The result? 100 fast, affordable, plant-based one-pot meals built on the principles of longevity—and designed to add up to 12 extra years of life.DAN BUETTNER

With control of Congress at stake in the 2026 midterm elections, Trump is doubling down on efforts to end mail-in voting. In the 2024 election, nearly 30% of Americans who voted cast their ballots by mail. Despite a multimillion-dollar Republican push to encourage supporters to vote by mail, Trump says it’s a fraud. John Yang speaks with legal scholar Rick Hasen for more. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

The Dunning-Kruger Effect was discussed, along with Apple TV+ raising its subscription price by 30% and a rundown of the best streaming deals and bundles for August 2025. The concept of “plussing up,” coined by Walt Disney in the 1940s to describe improving something by adding to it, also came up. Rick Chambers and the KTLA crew highlighted how good creations can inspire while bad actions destroy, with guest Jose Hernandez. A new survey revealed that Americans consider the “perfect” salary to be $74,000, sparking debate about money, side hustles, and the value of a skilled handyman. Finally, anticipation continues to build as everyone awaits the result of Lyle Menendez's parole hearing.

Do you make a middle-class income ($70,000 or less) per year and want to invest in real estate? This is how you do it.  You don't need a six-figure salary to buy your first rental property and start building generational wealth and early retirement. Dave is a testament to this, buying his first rental with barely any money, zero experience, and working as a waiter. If you've got a stable salary and some savings, you're already leagues ahead of him. Today, we're showing you how to put that money to work. We used median income and savings data to create a complete middle-class investor plan to get you on the fastest (and safest) path to financial freedom. We'll walk through three investing strategies anyone in the middle class can use to buy their first rental, define how much money you'll need saved, what to do if you don't have enough in the bank, and how to repeat the system to finally retire early with real estate.  Stop waiting, start wealth-building. This is how to escape the “middle-class trap” and move up the rungs to financial freedom even if you're starting with a $70,000/year salary!  In This Episode We Cover: The three best real estate investments for a middle-class income earner The “middle-class trap” that most Americans are stuck in (how to escape) Pro tip: How to get more money for your first deal if you don't have enough How to retire in just a decade with rental property investing (even starting from scratch) The one high-profit, low-money-down, tax-free strategy Dave is using right now! And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1164 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Phil exposes "pig butchering" scams, $3 billion stolen, victims worldwide, and trafficked workers forced to scam. The fraud isn't just financial... it's human.   Welcome to the dark economy you never knew you were part of. Dr. Phil dives deep into one of the most sinister online crimes taking over phones, apps, and wallets: Pig Butchering Scams. These scams aren't just clever, they're coordinated, global operations defrauding Americans out of billions. In 2023 alone, the losses surpassed $3 billion, with a 183% spike in cases over the previous year. But here's the chilling twist: the scammers themselves are often victims, lured by fake job offers, trafficked, and forced to run these schemes under the threat of violence. Dr. Phil unpacks how these psychological traps work, why smart people fall for them, and what makes them almost impossible to trace. He speaks with cybercrime experts, survivors of the scams, and a former scammer who was trafficked into the fraud machine. This isn't just a scam story, it's a human rights crisis. This episode is brought to you by Amen Clinics: Take the guesswork out of mental health care. Call 866-580-6569 or go to https://AmenClinics.com/DrPhil  This episode is brought to you by Home Title Lock: Go to https://hometitlelock.com/drphil and use promo code PHIL to get a FREE title history report and a FREE TRIAL of their Triple Lock Protection! For details visit https://hometitlelock.com/warranty This episode is brought to you by Hydeline that offers customizable leather options, so you can pick the color that fits your style. They've got specialized hybrid foam and pocketed coil cushion systems to help you sit comfortably for hours, whether you're watching my show, reading a book, or just… thinking about your life choices. For a limited time you can get 10% off storewide AND free shipping with code 'DRPHIL10' at http://hydeline.com Subscribe | Rate | Share:  YouTube: https://bit.ly/3H3lJ8n/ Apple Podcasts: https://apple.co/3W76ihW/ Spotify: https://spoti.fi/44IhdWV/ Website: https://www.drphilpodcasts.com #PigButcheringScam #CryptoFraud #ScamExposed #FraudFactory #DrPhilPodcast #HumanTrafficking #OnlineScams #FinancialFraud #ModernSlavery #ScamSurvivor #CybercrimeCrisis #ScamAlert    

We've officially hit Peak 65, the historic moment when more Americans than ever are turning 65. But retirement in 2025 looks nothing like it used to. In this eye-opening episode of Your Money Map, Jean Chatzky sits down with generational researcher Jason Dorsey to explore how Baby Boomers, Gen Xers, and even Millennials are rethinking retirement — financially, emotionally, and socially.

An After-Action report from the beautiful city of Vernal, UT, fake Rapid Tourniquets, and Jarrad is gonna be at AMM-CON! All that and more during this week's episode. TOPICS COVERED THIS EPISODE Huge thanks to our Partners: EOTech | Spike's Tactical [0:07:30] Beyond the Boo Boo Class After-Action [0:31:00] Jarrad speaking at AMM-CON bearingarms.com [0:34:43] EOTech Talk - EOTechInc.com TOPIC: Gun Locks and Gun Boxes: Good, Bad, Neutral? www.shootingnewsweekly.com [0:49:19] Warrior of the Week - James Yeager's “Virtues of a Warrior” TOPIC: Yuval Levin - Why Institutions Matter Episode Summary Enhancing Bleeding Control Training Professor Paul Markel shared a personal story about conducting a Beyond the Boo Boo course (BB101) class in Vernal, Utah. He discussed how Americans often avoid trauma training until an emergency occurs, noting that corporate first aid training is typically limited to CPR and basic life support due to insurance discounts. The class highlighted the importance of proper bleeding control techniques, contrasting with common first aid knowledge that focuses on CPR, which is ineffective for severe bleeding situations. Counterfeit Tourniquet Awareness Discussion The group discussed counterfeit rapid tourniquets, identifying them by their flimsy metal parts, lack of authenticity markings, and poor quality compared to genuine products. They advised against purchasing tourniquets from suspiciously low-cost sources and recommended buying from authorized retailers like ShopSOTG.com.  Self-Defense and Cultural Institutions The meeting discussed a defensive gun use case in Texas where a homeowner used his firearm to deter an intruder with a machete, highlighting the importance of gun ownership for self-defense. The group also touched on recidivism rates and the manipulation of crime statistics in Washington, D.C. Finally, they introduced the "Warrior of the Week" segment, featuring a speech by Yuval Levin on the importance of institutions in addressing cultural conflicts. Rebuilding Trust in Institutions The meeting focused on a speech by Yuval Levin at BYU, discussing the decline in trust towards institutions in American society. Levin argued that institutions are failing to form trustworthy individuals, instead becoming platforms for performative behavior. He emphasized the need for a mindset change, where individuals take their institutional roles seriously and ask, "Given my role here, how should I behave?" Levin concluded that healing society's divisions requires small, constructive steps towards rebuilding trust in institutions.

Fremont is the fourth largest city in the Bay Area and it's also home to one of the largest populations of Afghans in the U.S. Today, we're running an episode from our friends at Bay Curious that traces the history of the Afghan community in Fremont over 40 years. We meet Afghan refugees and  learn what makes”Little Kabul” unique. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Trump administration recently announced that it will be reviewing all 55 million foreigners with U.S. visas for violations that would bar them from the country. What shocked most Americans was the sheer volume of immigrants who have now been given the legal right to enter the U.S. A country with that level of foreigners flowing in simply cannot maintain its sovereignty. We'll also discuss the raid on John Bolton's home and a very interesting video that explains how other cultures understand time. Follow on: Apple: https://podcasts.apple.com/us/podcast/the-auron-macintyre-show/id1657770114 Spotify: https://open.spotify.com/show/3S6z4LBs8Fi7COupy7YYuM?si=4d9662cb34d148af Substack: https://auronmacintyre.substack.com/ Twitter: https://twitter.com/AuronMacintyre Gab: https://gab.com/AuronMacIntyre YouTube:https://www.youtube.com/c/AuronMacIntyre Rumble: https://rumble.com/c/c-390155 Odysee: https://odysee.com/@AuronMacIntyre:f Instagram: https://www.instagram.com/auronmacintyre/ Learn more about your ad choices. Visit megaphone.fm/adchoices

You have heard of Lyme disease but have you heard of Alpha Gal Syndrome? It is another condition caused by a tick bite but the symptoms are arguably much worse - becoming allergic to red meat! Affecting over 450,000 Americans, not being able to eat red meat can cause a cascade of downstream effects due to nutrient deficiency. In this episode Dette Avalon, author of The Ultimate Guide to Alpha Gal Syndrome, explains what it is and the devastation it causes. While there is no one magic bullet for it that we know of yet, Dr Stephanie Seneff PhD joins us to make the link between Alpha Gal and glyphosate toxicity. We talk about mast cell activation syndrome (MCAS) and its connection to alpha gal and glyphosate, the importance of a healthy microbiome, the impact of "cross reactive proteins", the benefits of sauerkraut, the mitochondria and deuterium link, the importance of vitamin D and cholesterol, and other solutions that they've found. Dette Avalon: https://www.barnesandnoble.com/w/the-ultimate-guide-to-alpha-gal-syndrome-j-dette-avalon/1147592112?ean=9780966636369 https://mylabsforlife.com https://upstreamhw.com/ Stephanie Seneff: https://stephanieseneff.net My website: www.matt-blackburn.com Mitolife products: www.mitolife.co Music by Nicholas Jimenez: https://spoti.fi/4cte2nD

While alcohol consumption is cooling, the battle between clean-label ingredients and high-protein performance foods is heating up. The hosts examine what's driving these massive shifts in consumer behavior, and how brands like David, Crisp Power and Athletic Brewing are responding. Show notes: 0:15: Not Jail, Maybe. Chicago Dollars. Less Sauce, More Protein. Live In L.A. Hot Coffee. – Ray and Mike are “off the grid” this episode, but luckily, NOSH managing editor and CPG Week podcast host Monica Watrous steps in to join the conversation. The hosts kick things off by recapping the recent Taste Radio meetup in Chicago, which attracted over 100 attendees and showcased strong participation from investors. They also preview upcoming Taste Radio events scheduled for San Diego (September 16), San Francisco (September 18), and London (October 2). Next, they dive into insights from a new Gallup survey revealing that only 54% of Americans currently consume alcohol. The discussion centers on whether this decline signals a crisis for beverage alcohol companies or reflects a broader diversification trend driven by Gen Z's evolving habits, including increased adoption of cannabis products and functional beverages. Monica highlights two seemingly contradictory trends shaping food innovation today: MAHA, which emphasizes clean labels and natural ingredients, and the growing influence of GLP-1-informed eating, which promotes low-calorie, high-protein options. Looking ahead, the team offers a sneak peek at BevNET's three December conferences in Los Angeles: NOSH Live (December 4–5), BevNET Live (December 7–9), and Brewbound Live (December 10–11). Finally, Jacqui introduces a product from Fire Dept. Coffee, a veteran- and firefighter-founded brand now offering instant espresso stick packs, while Monica spotlights Crisp Power, a high-protein pretzel brand making waves in the snack category. Brands in this episode: Chomps, Athletic Brewing, David, RXBar, Fly By Jing, Jeni's Ice Cream, Carbon Foods, Fire Dept. Coffee, Crisp Power  

Most business owners are overpaying the IRS—because they don't know the rules. In this episode, you'll learn how the wealthiest Americans use legal tax strategies to save tens of thousands every year. Discover the Trifecta System, the power of the S corporation, and real estate tax strategies that can turn rent into equity and vacations into deductions. Whether you're a consultant, real estate investor, or small business owner, these smart strategies will help you cut your tax bill, grow wealth, and take control of your financial future. If you want clear, no-fluff cpa advice on tax savings and business finance, this episode breaks it down in plain English.   Next Steps:

An After-Action report from the beautiful city of Vernal, UT, fake Rapid Tourniquets, and Jarrad is gonna be at AMM-CON! All that and more during this week's episode. Episode Summary Enhancing Bleeding Control Training Professor Paul Markel shared a personal story about conducting a Beyond the Boo Boo course (BB101) class in Vernal, Utah. He discussed how Americans often avoid trauma training until an emergency occurs, noting that corporate first aid training is typically limited to CPR and basic life support due to insurance discounts. The class highlighted the importance of proper bleeding control techniques, contrasting with common first aid knowledge that focuses on CPR, which is ineffective for severe bleeding situations. Counterfeit Tourniquet Awareness Discussion The group discussed counterfeit rapid tourniquets, identifying them by their flimsy metal parts, lack of authenticity markings, and poor quality compared to genuine products. They advised against purchasing tourniquets from suspiciously low-cost sources and recommended buying from authorized retailers like ShopSOTG.com. Self-Defense and Cultural Institutions The meeting discussed a defensive gun use case in Texas where a homeowner used his firearm to deter an intruder with a machete, highlighting the importance of gun ownership for self-defense. The group also touched on recidivism rates and the manipulation of crime statistics in Washington, D.C. Finally, they introduced the "Warrior of the Week" segment, featuring a speech by Yuval Levin on the importance of institutions in addressing cultural conflicts. Rebuilding Trust in Institutions The meeting focused on a speech by Yuval Levin at BYU, discussing the decline in trust towards institutions in American society. Levin argued that institutions are failing to form trustworthy individuals, instead becoming platforms for performative behavior. He emphasized the need for a mindset change, where individuals take their institutional roles seriously and ask, "Given my role here, how should I behave?" Levin concluded that healing society's divisions requires small, constructive steps towards rebuilding trust in institutions.

Older Americans are being targeted, manipulated, and drained—Dr. Phil reveals how loneliness fuels love scams, with shocking tools and real survivor stories. Millions of Americans live alone and online scammers are cashing in. In this gripping episode, Dr. Phil investigates the rise of romance fraud targeting older adults. With loneliness at an all-time high, predators are exploiting emotional vulnerability and draining victims' savings. Chris Harrison, former host of The Bachelor, joins the conversation with insights into love and manipulation. Social Catfish reveals a real scammer playbook filled with “foolproof” pick-up lines used to lure victims like 67-year-old widow Lucy. Don't miss this eye-opening breakdown of the tactics used, the emotional fallout, and how to protect yourself and your loved ones from one of today's fastest-growing crimes. This episode is brought to you by Home Title Lock: Go to https://hometitlelock.com/drphil and use promo code PHIL to get a FREE title history report and a FREE TRIAL of their Triple Lock Protection! For details visit https://hometitlelock.com/warranty This episode is brought to you by Amen Clinics: Take the guesswork out of mental health care. Call 866-580-6569 or go to https://AmenClinics.com/DrPhil This episode is brought to you by Hydeline that offers customizable leather options, so you can pick the color that fits your style. They've got specialized hybrid foam and pocketed coil cushion systems to help you sit comfortably for hours, whether you're watching my show, reading a book, or just… thinking about your life choices. For a limited time you can get 10% off storewide AND free shipping with code 'DRPHIL10' at http://hydeline.com  Subscribe | Rate | Share:  YouTube: https://bit.ly/3H3lJ8n/ Apple Podcasts: https://apple.co/3W76ihW/ Spotify: https://spoti.fi/44IhdWV/ Website: https://www.drphilpodcasts.com #LoveScam #RomanceFraud #ElderlyScams #LonelinessCrisis #DrPhilPodcast #ScamSurvivors #Catfished #ChrisHarrison #OnlineSafety #SocialCatfish #DigitalDeception #RomanceConArtists

"I have friends everywhere." In this special episode, we're joined by Tony Gilroy, the creative force behind the electrifying Star Wars series Andor. Critics and activists on the frontlines in America have praised Andor for its powerful portrayal of resistance, and with Season 2 up for 14 Emmy Awards, it's clear this is no ordinary space opera. Gilroy's vision grounds the story in centuries of history, showing us what it means to resist empire in all its brutality. Andor is an urgent guide for Americans today.  For more than three decades, Gilroy has been shaping modern cinema with blockbusters and fearless storytelling. He gave us Rogue One: A Star Wars Story, and wrote and directed the critically acclaimed political thriller Michael Clayton, which earned him Oscar nominations for both screenplay and direction. His credits include Armageddon and the first four entries of the Bourne series (in which he directed the fourth), Devil's Advocate, Dolores Claiborne, The Cutting Edge, State of Play, and many, many other films.  The son of World War II veteran and Tony and Pulitzer-winning playwright and filmmaker Frank Gilroy, and brother to acclaimed film editor John Gilroy and Oscar-nominated writer-director Dan Gilroy (an Emmy-nominated writer on Andor), Tony Gilroy doesn't just tell stories: he builds immersive worlds where power, corruption, and resistance collide, worlds that help us make sense of our own. We're thrilled to welcome him to Gaslit Nation to discuss this dark chapter in America's history and, through his art, remind us of the courage it takes to stand and fight back. For Gaslit Nation listeners who want the full breakdown of the convicted felon/war criminal distraction circus and what comes next for the Free World, our latest salon digs into the Putin-Trump gaslighting sideshow in Alaska and how the war can actually end. You can watch the recording at Patreon.com/Gaslit. Thank you to everyone who makes our independent journalism possible! Don't miss Monday's salon at 4pm ET, only on Patreon, where we'll dive into two powerful films about resisting dictatorship: The Lives of Others and I'm Still Here.  The Lives of Others tells the haunting story of artists defying the East German Stasi, while I'm Still Here tells the story of a woman whose husband is disappeared by Brazil's military dictatorship in the 1970s, and how she transforms her country for the better.  These two films are reminders that light will always defeat darkness: it's just a matter of time, and collective courage and defiance.    Want to enjoy Gaslit Nation ad-free? Join our community of listeners for bonus shows, exclusive Q&A sessions, our group chat, invites to live events like our Monday political salons at 4pm ET over Zoom, and more! Sign up at Patreon.com/Gaslit!   Show Notes:   Trailer: Andor (Season 2) https://www.youtube.com/watch?v=AE4wxt70aUM   Andor Clip featured in episode: “You're coming home to yourself.” https://www.youtube.com/watch?v=rugpDpd0aV4   'The world is behaving irrationally' - Putin's warm welcome gets cold reaction in Ukraine https://www.bbc.com/news/articles/ckg4mj4011lo   Kremlin critics say Russia is targeting its foes abroad with killings, poisonings and harassment https://apnews.com/article/russia-attacks-poisoning-killing-litvinenko-skripal-5ddda40fd910fe3f8358ea89cb0c49f1?utm_source=copy&utm_medium=share   Gaslit Nation Action Guide: https://www.gaslitnationpod.com/action-guide  

Apple is shifting major iPhone production from China to India, with plans to make 60M units a year and all iPhone 17 models shipping from India. The panel debates supply chain risks, Trump's push for U.S. jobs, and whether Americans would pay more for a “Made in USA” iPhone.

The U.S. military is sending three destroyers, thousands of Marines, and submarine support toward international waters around Venezuela as President Trump promises to take on deadly drug cartels head-on. The U.S. and Venezuela have long clashed over international issues across many issues including President Trump labeling the regime in Venezuela a "narco-terror cartel." Attorney General Pam Bondi last week also announced a historic $50 million reward for information leading to the arrest of Venezuelan President Nicolás Maduro, indicted in New York in 2020 on narco-terrorism and cocaine importation conspiracy charges. Fox's John Saucier speaks to Bryan Stern, former Navy officer and Founder and Chairman of 'Grey Bull Rescue', a non-profit group who helps extract Americans from war zones and other hotspots all over the world including Afghanistan Ukraine, who says he is not surprised by the move and it could bring much needed stability on multiple problem fronts. For more information and to donate to the 'Grey Bull Rescue Foundation', visit:  https://greybullrescue.org/pledge-your-support/ Click Here⁠⁠⁠⁠ To Follow 'The FOX News Rundown: Evening Edition' Learn more about your ad choices. Visit podcastchoices.com/adchoices

I keep hearing people say “America is a country of immigrants.” I don't agree with that. We are a country of citizens. People come here because they want to become Americans, not just to visit. The whole “country of immigrants” thing is an emotional argument that leaves out the real point: the goal is citizenship. I made this episode to set the record straight. Show Notes:  [01:41]#1 We are a country of citizens.  [09:21]#2  People want to become Americans. They want to actually be a part of what we have going on here.  [14:37]#3 They are trying to make this argument about us being a country of immigrants as an emotionally swaying argument when it's a nonsense frame.  [18:30]Recap Next Steps:

About this episode: The reconciliation bill passed by Congress in July is set to unravel key aspects of the Affordable Care Act that have expanded health coverage to millions of Americans. In this episode: One of the architects of the ACA, Liz Fowler, outlines how work requirements, truncated enrollment periods, and higher premiums will change health care for Americans on Medicaid and Medicare and for those buying coverage through their state's marketplace. Guest: Elizabeth Fowler, PhD, JD, is a distinguished scholar in Health Policy and Management at the Johns Hopkins Bloomberg School of Public Health and previously served as the director of the Innovation Center at the Centers for Medicare & Medicaid Services. Host: Lindsay Smith Rogers, MA, is the producer of the Public Health On Call podcast, an editor for Expert Insights, and the director of content strategy for the Johns Hopkins Bloomberg School of Public Health. Show links and related content: How New Federal Legislation Will Affect Health Care Costs and Access for Americans—Johns Hopkins Bloomberg School of Public Health When Do the One Big Beautiful Bill Act's Health Care Provisions Go Into Effect?—Center for American Progress Health Provisions in the 2025 Federal Budget Reconciliation Law—KFF Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌JohnsHopkinsSPH on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

Antisemitic protesters at Microsoft have been arrested. Former Sonics star Shawn Kemp might serve prison time. Jason got a very angry email from SPD Chief Shon Barnes’s office. // LongForm: GUEST: Spokane City Councilmember Jonathan Bingle is calling on the city to ditch the Housing First approach to homelessness. // Quick Hit: New polling says Americans are not as swayed by journalists as they used to be. AI will kill the Seattle economy and we’re raising taxes instead of preparing.