Podcasts about Education

Sallyann Della Casa, CEO Dubai-based "community as a service" GLEAC, joins us to share her personal journey and how collaborative leadership will thrive in our AI-drive future. She explains how access to networks, proximity to experience, and "quiet capital" are often more powerful than credentials alone in shaping opportunity, leadership, and career outcomes. We explore inequality driven by access rather than ability, leadership and gender mental models, and examines why modern society struggles to produce widely respected leaders. We also education and AI, arguing that traditional schooling is outdated, overly focused on memorization, and ill-suited for a world where AI can outperform humans on hard skills, while human skill can thrive in areas AI can't. AI will reshape leadership, investing, and management and future leaders will succeed by combining learning agility, deep expertise, strong networks, and the ability to co-lead alongside AI. We discuss...  Sally Ann Della Casa shares her personal story to illustrate how proximity, networks, and early access often determine life outcomes more than raw talent. The concept of "quiet capital" is a mix of social trust, reputation, networks, and deep domain knowledge that drives real-world success. The discussion examined inequality as a function of access and networks rather than intelligence or effort. Leadership was debated through the lens of mental models, including gender expectations, risk tolerance, and the loneliness of decision-making. Modern society struggles to identify and develop respected leaders across business, politics, and culture. Education systems are outdated, overly focused on memorization, and misaligned with how people actually learn and collaborate. AI was framed as a forcing function that will finally push education to prioritize human skills like judgment, creativity, curiosity, and critical thinking. The risks and benefits of AI are discussed, emphasizing that AI reflects human biases and represents the "gray average," not top-tier insight. The importance of context, storytelling, and lived experience are highlighted as something AI cannot replace. Leadership in the future is more agile, less hierarchical, and increasingly collaborative with AI tools and agents. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/collaborative-leadership-in-an-ai-driven-world 

#674: Welcome to Greatest Hits Week – five days, five episodes from our vault, spelling out F-I-I-R-E. Today's letter R stands for Real Estate. This episode originally aired in May 2022, but the insights on long-distance investing remain just as relevant for anyone feeling priced out of their local market. We tackle the five biggest challenges of investing far from home – from fear of the unknown to managing contractors remotely – and reveal four compelling benefits that make it worth the effort, especially when you're competing in markets where million-dollar properties are the norm. ________ Remember when inflation was high and rates were rising? What were people saying about real estate back then? And with the benefit of hindsight, how much of what we thought at the time proved to be correct? If you feel unsettled, join the club. At this present moment – December 2025 – interest rates are falling, but not enough. Inflation is mostly under control, but not enough. The noise makes everything feel new. When you only see the present moment, everything looks obvious. When you remember the past, patterns start to show. That's why we're rewinding the clock back to May 2022 – when interest rates were rising and inflation was near its peak. So what was on our mind three years ago? We start with the basics. Why the Federal Reserve raises rates. What higher borrowing costs do to spending. Why falling stock prices often reflect fear – not proof that housing prices must fall next. We explain the difference between recession and deflation, and why the two are often confused. We walk through what made the housing market in 2022 different from 2008. Inventory was tight. Builders had not overbuilt. Many homeowners held fixed-rate mortgages and record levels of equity. Those conditions mattered then. They still matter now. That equity becomes the next focus. We talk about cash-out refinances, HELOCs, and reverse mortgages – and what happens when homeowners borrow against rising values. You hear how higher rates can slow borrowing, why that matters for inflation, and what risks appear if some borrowers struggle to repay. From there, we outline four ways investors might encounter properties if foreclosures rise: bank-owned homes, short sales, “subject to” deals, and wraparound mortgages. The episode then shifts to long-distance real estate investing. You hear the real challenges. Fear of the unknown. Managing people you cannot see. Contractors who disappear. Agents who stop returning calls. You also hear what makes distance workable: education, relationships, local investor networks. We walk through how investors think when conditions feel unstable — and why looking backward sharpens how you see what comes next. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (0:00) Trade-offs and priorities (07:41) Fed hikes rates (09:16) Inflation drivers explained (11:26) Recession vs housing (13:21) Home equity surge (15:21) Borrowing against equity (17:11) Foreclosures and options (18:26) Subject-to and wraps (21:11) Shift to distance investing (25:31) Education and networks (31:36) Choosing markets (36:11) Accountability challenges Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Dean's List with Host Dean Bowen – Don Mayor shares a vision for Kingdom Education that restores moral grounding, character, and community in schools. Drawing on decades of leadership, he explains how faith, families, and educators work together to form courageous, honest students. Through practical examples and policy insights, he calls parents and teachers to reclaim their role in shaping culture...

There has been a 19% drop in the number of international students arriving in the U.S. compared to last year, according to government data. Education journalist Kavitha Cardoza talks about the impact of the Trump administration on international students. Then, Esther Phillips was a hugely popular teenage R&B singer who, in 1962, recorded the top-10 hit "Release Me." That success would lead to the album "The Country Side of Esther Phillips." But the record fell into obscurity. Journalist Michael Hall talks about Phillips' legacy. And, this Sunday marks 50 years since the original iconic Hail Mary football play. Hall of Fame receiver Drew Pearson relives the moment.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

A new week means new questions! Hope you have fun with these!Which Anatolian city was conquered and made capital of the Ottoman Empire in 1326?All Scotch whisky must be aged immediately after distillation in oak barrels for at least how many years?Cuspids, teeth that are used primarily for firmly holding food in order to tear it apart, are more commonly known as what kind of teeth?What state is the longest cave system in the world located? 2 bonus points if the cave system can be named.The Musée d'Orsay in Paris, one of Europe's largest art museums, was originally what kind of building?Bjorn Borg won every Men's Singles title between 1976 and 1980 at which event?Astronomers sometimes use a unique term for a stellar object that survives a weak supernova explosion, especially in a rare Type Iax event. What spooky nickname is given to this partially destroyed but still-existing star?Which breed of dog is used as a playing piece in standard Monopoly versions?Who became the youngest performer to a an Album of the Year Grammy in 2010?Calico cats are almost exclusively what gender?In which town does Gilmore Girls take place?What is the Latin-derived name for soft, brown, combustible sedimentary rock formed from naturally compressed peat?Which Kenneth Grahame novel was inspired by bedtime stories he used to tell his son about a control-freak amphibian?MusicHot Swing, Fast Talkin, Bass Walker, Dances and Dames, Ambush by Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/Don't forget to follow us on social media:Patreon – patreon.com/quizbang – Please consider supporting us on Patreon. Check out our fun extras for patrons and help us keep this podcast going. We appreciate any level of support!Website – quizbangpod.com Check out our website, it will have all the links for social media that you need and while you're there, why not go to the contact us page and submit a question!Facebook – @quizbangpodcast – we post episode links and silly lego pictures to go with our trivia questions. Enjoy the silly picture and give your best guess, we will respond to your answer the next day to give everyone a chance to guess.Instagram – Quiz Quiz Bang Bang (quizquizbangbang), we post silly lego pictures to go with our trivia questions. Enjoy the silly picture and give your best guess, we will respond to your answer the next day to give everyone a chance to guess.Twitter – @quizbangpod We want to start a fun community for our fellow trivia lovers. If you hear/think of a fun or challenging trivia question, post it to our twitter feed and we will repost it so everyone can take a stab it. Come for the trivia – stay for the trivia.Ko-Fi – ko-fi.com/quizbangpod – Keep that sweet caffeine running through our body with a Ko-Fi, power us through a late night of fact checking and editing!

Most people believe saving money is the responsible thing to do. But what if that habit is quietly costing you your future wealth?   In this episode of The Abundance Mindset, Vinney Chopra and Gualter Amarelo break down why money that sits still actually loses power over time—and how fear-based saving can limit opportunity. Vinney shares lessons from building a massive real estate portfolio after coming to the U.S. with just $7, while Gualter connects those principles to real decisions investors are making right now.   Here's what they dive into:

Happy Holidays! We're taking a short break from new episodes this week so you can focus on finishing that Christmas dinner. We'll be back next Thursday with something new. In the meantime, why not tuck into this conversation with Guy Spier from January 2024, which remains one of my favorites. Enjoy! _________________ Guy Spier runs the Aquamarine Fund, an "investment partnership closely modeled on the original Buffet Partnerships." He is also a podcast host, YouTube creator, author of The Education of a Value Investor and the host of the annual investment gathering VALUEx. He describes his life's project as "a quest for wealth, wisdom and enlightenment." Guy joins the show to discuss the differences between Switzerland and the US, how to unlock the British class system, what he learned from Warren Buffett, and MUCH more! Important Links: Guy's Website Guy's Twitter Guy's YouTube Channel 3Blue1Brown (YouTube Channel) Numberphile (YouTube Channel) Show Notes: The Differences Between New York, Switzerland & Paris Exploring the Dark Underbelly of New York Nightlife Psychedelics, Guns & Regulation The Advantages of Swiss Democracy Don't Short the United States The Branding Skill of the Royal Family Unlocking the Rules of the Class System Life Paths & Premeditation Luck, Opportunity & Non-Canonical Science Jim's Music Taste Mathematical Shenanigans Guy as Emperor of the World MORE! Books Mentioned: How to Change Your Mind: What the New Science of Psychedelics Teaches Us about Consciousness, Dying, Addiction, Depression, and Transcendence; by Michael Pollan The Hypomanic Edge: The Link Between (a Little) Craziness and (a Lot Of) Success in America; by John Gartner Write It Down, Make It Happen: Knowing What You Want and Getting It; by Henriette Anne Klauser Invest Like The Best; by Jim O'Shaughnessy Outside, the Sky is Blue: The story of a family told with searing honesty, humour and love; by Christina Patterson

fWotD Episode 3156: A Christmas Carol Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Thursday, 25 December 2025, is A Christmas Carol.A Christmas Carol. In Prose. Being a Ghost Story of Christmas, commonly known as A Christmas Carol, is a novella by Charles Dickens, first published in London by Chapman & Hall in 1843 and illustrated by John Leech. It recounts the story of Ebenezer Scrooge, an elderly miser who is visited by the ghost of his former business partner Jacob Marley and the spirits of Christmas Past, Present and Yet to Come. In the process, Scrooge is transformed into a kinder, gentler man.Dickens wrote A Christmas Carol during a period when the British were exploring and re-evaluating past Christmas traditions, including carols, and newer customs such as cards and Christmas trees. He was influenced by the experiences of his own youth and by the Christmas stories of other authors, including Washington Irving and Douglas Jerrold. Dickens had written three Christmas stories prior to the novella, and was inspired following a visit to the Field Lane Ragged School, one of several establishments for London's street children. The treatment of the poor and the ability of a selfish man to redeem himself by transforming into a more sympathetic character are the key themes of the story. There is discussion among academics as to whether this is a fully secular story or a Christian allegory.Published on 19 December, the first edition sold out by Christmas Eve; by the end of 1844 thirteen editions had been released. Most critics reviewed the novella favourably. The story was illicitly copied in January 1844; Dickens took legal action against the publishers, who went bankrupt, further reducing Dickens's small profits from the publication. He subsequently wrote four other Christmas stories. In 1849 he began public readings of the story, which proved so successful he undertook 127 further performances until 1870, the year of his death. A Christmas Carol has never been out of print and has been translated into several languages; the story has been adapted many times for film, stage, opera and other media.A Christmas Carol captured the zeitgeist of the early Victorian revival of the Christmas holiday. Dickens acknowledged the influence of the modern Western observance of Christmas and later inspired several aspects of Christmas, including family gatherings, seasonal food and drink, dancing, games and a festive generosity of spirit.This recording reflects the Wikipedia text as of 00:13 UTC on Thursday, 25 December 2025.For the full current version of the article, see A Christmas Carol on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Salli.

rWotD Episode 3157: Alexander Tatarsky Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Thursday, 25 December 2025, is Alexander Tatarsky.Olexander Mykhailovich Tatarskyy (Ukrainian: Олександр Михайлович Татарський; Russian: Александр Михайлович Татарский; December 11, 1950 – July 22, 2007) was a Soviet and Russian animation director, screenwriter, animator, producer, artist, co-founder and artistic director of the Pilot studio. Merited Artist of the Russian Federation (2000). Laureate of the State Prize of the Russian Federation (1998).This recording reflects the Wikipedia text as of 00:49 UTC on Thursday, 25 December 2025.For the full current version of the article, see Alexander Tatarsky on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Brian.

pWotD Episode 3158: Epstein files Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 138,974 views on Wednesday, 24 December 2025 our article of the day is Epstein files.The Epstein files are a body of documents detailing the criminal activities of American financier and convicted child sex offender Jeffrey Epstein and his affiliates. The Epstein list is a purported document within this body that contains the names of high-profile clients to whom Epstein trafficked young girls. Epstein cultivated a social circle of public figures that included politicians and celebrities, fueling claims suggesting that he maintained such a list to blackmail these associates—and that his 2019 death was not a suicide (as officially reported) but a murder to protect his clients.Claims surrounding the existence of a client list first surfaced in the immediate aftermath of Epstein's death, later reaching heightened prominence in 2025 following a now-deleted tweet from former White House senior advisor and Department of Government Efficiency associate Elon Musk alleging that United States president Donald Trump was among the names listed. During his 2024 presidential campaign, Trump floated the idea of releasing the Epstein files, though he has since said that they are simply fabrications by members of the Democratic Party.The Trump administration's United States Justice Department (DOJ) released a memo on July 7, 2025, which stated the list did not exist and "no credible evidence [was] found that Epstein blackmailed prominent individuals as part of his actions. We did not uncover evidence that could predicate an investigation against uncharged third parties." The memo was met with skepticism from political commentators across the political spectrum, such as Alex Jones and John Oliver.In November 2025, Democrats on the House Oversight Committee released a set of emails involving Epstein in which he wrote, "[The] dog that hasn't barked is Trump," and mentioned that Trump had "spent hours" with one of the victims. On November 18, 2025, the House of Representatives passed the Epstein Files Transparency Act in a 427–1 vote. The Senate would unanimously approve the bill the same day, sending it to Trump's desk the next morning. Trump signed the bill the day he received it, officially requiring the DOJ to release the files within 30 days. The U. S. Department of Justice released some, but not all, of the Epstein files by the act's deadline of December 19, 2025.This recording reflects the Wikipedia text as of 02:50 UTC on Thursday, 25 December 2025.For the full current version of the article, see Epstein files on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Joey.

- Christmas Eve Edition and Personal Digital Library Update (0:10) - Improvements in Search Function and AI Engine (1:09) - Upgrades and Future Features (3:53) - Citations and Contributions from Major Publishers (8:02) - Advanced Content Influence and AI Engagement (11:43) - Special Report on 2026 Predictions (23:51) - Impact of AI on the Economy and Society (57:20) - Interview with Doug Casey on Silver Market (1:08:29) - Challenges of Government Policies and Tariffs (1:16:50) - Education and Standard of Living in the US (1:20:26) - The Failure of Higher Education and the Introduction of "The Preparation" (1:27:41) - Alternative Education Paths and Practical Skills (1:30:00) - The BrighteLearn.ai Platform and Its Benefits (1:33:07) - The Role of Western Civilization and International Man.com (1:34:17) - Investment in Mining Stocks and Commodities (1:36:44) - The Decline of the US Dollar and Economic Predictions (1:42:03) - The Impact of AI and Technology on Education and Employment (1:48:21) - The Role of Nuclear Power in Addressing Energy Needs (1:54:16) - The Geopolitical Tensions Between the US and Russia (1:57:59) - Final Thoughts and Advice for the Audience (1:59:36) For more updates, visit: http://www.brighteon.com/channel/hrreport  NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

Godfrey is joined by Eric Stone, Ty Jones, Terace Garnier, Eva Evans and Dante Nero to discuss Trump getting dragged by an actual veteran, Godfreys sister snitching on him at the begining of his comdy career, the upcpming theatreical release of his special and so much more!Legendary Comedian Godfrey is LIVE from New York, and joins some of his best friends in stand up comedy, Hip-Hop and Hollywood to talk current events, pop culture, race issues, movies, music, TV and Kung Fu. We got endless impressions, a white producer, random videos Godfrey found on the internet and so much more! We're not reinventing the wheel, we're just talking 'ish twice a week... with GODFREY on In Godfrey We Trust.Original Air Date: 12/02/25-------------------------------

TRM Labs' Ari Redbord joins CoinDesk to discuss how 2025's record-breaking asset recovery efforts and blockchain transparency are countering a 500% surge in AI-driven crypto scams. TRM Labs, Ari Redbord joins CoinDesk's Jennifer Sanasie to dissect a transformative year for crypto security. While 2025 saw high-stakes exploits and a 500% surge in AI-enabled scams, it also marked one of the greatest years for asset recovery in history. Ari explains why he calls  blockchains the “ultimate crime scene” and how global investigators are leveraging immutable ledgers to claw back billions from bad actors. Check out CoinDesk's research report on GoPlus Security at: https://www.coindesk.com/research/protocol-research-goplus-security - Timecodes: 00:46 - 2025: A Year of Maturity and Challenges 01:53 - The $53 Billion Scam Epidemic 03:14 - From Law Enforcement to National Security: The Government Response 05:47 - How Blockchain Solves Financial Crimes 07:43 - Education on Capitol Hill: Do Policymakers Finally "Get It"? 09:05 - The Crypto Paradox: How the DOJ Seizes Billions in Stolen Assets 10:41 - The AI Arms Race: 500% Increase in AI-Enabled Scams 12:46 - The Safe Crypto Act 14:35 - Will 2026 Be The Year of Execution? - This episode was hosted by Jennifer Sanasie.

Paris Marx is joined by Jathan Sadowski and Brian Merchant to reflect on the year in tech, discuss the worst people in Silicon Valley, and share what they'll be keeping an eye on in 2026. Jathan Sadowski is the author of The Mechanic and the Luddite, co-host of This Machine Kills, and a Senior Lecturer at Monash University. Brian Merchant is the author of Blood in the Machine and writes a newsletter of the same name. Tech Won't Save Us offers a critical perspective on tech, its worldview, and wider society with the goal of inspiring people to demand better tech and a better world. Support the show on Patreon. The podcast is made in partnership with The Nation. Production is by Kyla Hewson. Also mentioned in this episode: Visit Francesca Bria's useful Authoritarian Stack Trump signs an executive order to keep states from implementing their own AI legislation The Trump administration is gutting the Department of Education, climate science programs, and public health Disney and OpenAI have reached a billion dollar deal Bernie Sanders calls for a moratorium on AI data centre construction

[REBROADCAST FROM January 8, 2025] Lakecia Benjamin is an alto saxophonist and composer who is nominated at this year's Grammy Awards in the Best Jazz Instrumental Album and Best Jazz Performance categories for her album, Phoenix Reimagined (Live). The project is a live performance of her 2023 album, Phoenix. Benjamin joins to perform live with her band and discuss her New York upbringing in music.

Pool Pros text questions hereIn this episode, Natalie Hood sits down with Ryan Walker to unpack how retail sales in the pool industry have evolved over the last two decades—and what dealers, builders, and retailers need to understand to stay competitive today.From the rise of online shopping and social media influence to changing homeowner expectations and shifting economic realities, this conversation challenges long-held myths about retail, sales strategy, and customer behavior. Ryan draws on 20 years of experience across lifeguarding, distribution, manufacturing representation, and national sales to explain why the future of pool retail isn't about fighting online competition—but learning how to work alongside it.What You'll Learn in This EpisodeRetail Isn't Dead—It's Evolving Ryan explains why online sales are no longer the enemy of brick-and-mortar stores and how retailers can use online visibility as a tool rather than a threat. Homeowners today expect convenience, information, and options—and stores that adapt win loyalty.Why Personal Service Still Wins Despite access to Amazon, TikTok, and Instagram, customers are still willing to pay more for expertise, education, and a trusted relationship. Retailers who focus on solving problems—not just selling products—stand out.The Power of Analytics, Algorithms, and Social Media From phones “listening” to user behavior to influencers shaping purchasing decisions, Natalie and Ryan break down how digital marketing now drives customer expectations before they ever walk into a store.Selling the Solution, Not the Product Ryan emphasizes that customers don't need technical jargon—they need someone who understands their pain points. Whether it's water loss, recurring algae, or sanitizer confusion, great sales start with the right questions.Breaking the ‘We've Always Done It This Way' Mindset Long-standing habits can quietly cap growth. This episode explores how flexibility, testing new ideas, and being open to global trends can increase profitability without sacrificing integrity.Why Dealers Must Show What's Possible Just like car dealerships show upgraded models, pool professionals should present options—even if the customer thinks they want the “basic” version. Many homeowners don't know what's available until someone shows them.Economic Reality Has Changed From rising costs to dual-income households and post-COVID income shifts, the conversation highlights why price sensitivity isn't what it used to be—and why experience and value matter more than shaving a few dollars off the ticket.Key Takeaways• Online competition is unavoidable—but it can be leveraged • Education and trust justify premium pricing • Customers want guidance, not resistance • Social media shapes expectations before the sale • Retail success depends on adaptability and curiosity • Selling without passion turns stores into warehousesAbout the GuestRyan Walker brings more than 20 years of industry experience, starting as a lifeguard and facility manager before moving into distribution, manufacturing representation, and national sales. His career spans multiple climates, pool types, and retail models, giving him a wide-angle view of what works—and what doesn't—in today's poo Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Dr. Kathleen Martin Ginis is a Distinguished University Scholar and a Professor in the Department of Medicine (Division of Physical Medicine and Rehabilitation) and in the School of Health and Exercise Sciences at The University of British Columbia. She holds the Reichwald Family Chair in Preventive Medicine and is a Fellow of the Royal Society of Canada, the Canadian Academy of Health Sciences, the Canadian Society for Psychomotor Learning and Sport Psychology, and as is an International Fellow of the National Academy of Kinesiology. The focus of Dr. Martin Ginis's research is placed on understanding and changing physical activity behaviour, particularly among people living with spinal cord injury. She is deeply committed to knowledge translation; specifically, the development and implementation of evidence-based best-practices to improve health and well-being among people with disabilities. By example, Dr. Martin Ginis spearheaded the formulation and knowledge translation of scientific exercise guidelines for adults with spinal cord injury. These guidelines have been translated into nearly 20 languages and are used worldwide in clinical and community settings. Part 1 One of her objectives is to present recent data showing the physical and mental health benefits of exercise for adults with spinal cord injury. She wants to introduce exercise guidelines for adults with SCI. Starting with the benefits of exercise from a mental and physical health perspective, probably the best two areas, best two outcomes for which there is evidence are improving insulin sensitivity and cardiovascular disease risk in this population. The fitness guideline stipulates that to improve cardiorespiratory fitness and muscle strength, adults with SCI should do at least 20 minutes of moderate to vigorous intensity, aerobic activity twice per week, and strength training exercises twice per week. The guideline for cardiometabolic health stipulates that a minimum of 30 minutes of moderate to vigorous intensity physical activity is required three times per week. She discussed how exercise improves well-being. She also talked about exercise in chronic pain. She described the Epic SCI trial, a pragmatic, randomized controlled trial, testing the effects of exercising according to the scientific SCI exercise guidelines on SCI chronic pain.

Seventy years after Brown vs. Board of Education and the movement to promote educational equality, race and class remain the most reliable predictors of educational achievement in America.  In attempting to address this divide, school reformers have turned to solutions like charter schools, vouchers and other innovations designed to build more choice into the system.  Yet, school choice and conservative and liberal approaches to it have changed over the years.  The inside story of how the school choice movement emerged in the 1990’s presents a situation where Black activists joined forces with conservative lawmakers. Yet today’s school choice movement has evolved, championed by Republicans, conservatives, and faith-based organizations who have taken school choice to a very different place.  And liberals have generally shown a skepticism about many choice options which might starve the public schools of resources.  As test results continue to disappoint, new alliances and approaches may be needed.  We’re joined by Joseph Viteritti, the Thomas Hunter Professor of Public Policy at Hunter College, and author of “Radical Dreamers: Race, Choice, and the Failure of American Education,” to discuss.

Merry Christmas!   Producers for MMO #199   Associate Executive Producers Nail Lord of Gaylord   Fiat Fun Coupon Producers Sam S. of Beargrass and Bourblandia Cottongin Plaidpotion Preator Porrecca of Peoria Doiceses: Hempress Emily M. ChuckyChuckles Praetor Wiirdo of the not so flat lands   Booster Producers ericpp          | 3,333 | BAG DADDY BOOSTER! boolysteedfountain.fm   | 1,234 wiirdofountain.fm     | 1,000 Sir Jared of South Burien | 333 fairvoltyfountain.fm   | 198 NostrGang         | 111   Creative Producers: Episode Artwork End of Show Song Song: Artist:   Follow Us: X/Twitter MMO Show John Dan Youtube (while it lasts) MMO Show Livestream Rumble MMO Show Livestream Twitch MMO Show Livestream   Shownotes: Dan's Sources Little Rock mayor responds to neo-Nazi group sighting in city OU removes teaching assistant who gave failing grade on essay Denmark demands US respect its sovereignty after Trump deploys Greenland envoy Albania Protests: Protesters Hurl Petrol Bombs at PM Edi Rama's Office Building | WION News How long can Belgrade balance between Brussels and Moscow? Blockade on Venezuela: US intercepts third oil tanker off Venezuelan coast | DW News Trump Recalls Nearly 30 Career Ambassadors in Major “America First” Shake-Up | WION Moscow car bomb kills Russian general, investigators say Clashes between Syrian army, Kurdish-led SDF break out in Aleppo Little Rock mayor responds to neo-Nazi group sighting in city OU removes teaching assistant who gave failing grade on essay Denmark demands US respect its sovereignty after Trump deploys Greenland envoy   John's Shownotes Shownotes Ep 199   Weather            Coast to Coast NBC            Blood Rain Iran            LA Evacuations   SF Power Out            GMA Outage            Coming Back On CBS            The Base Right Wing Group   Brown, MIT Shooting            Paul Mauro on Shooting   Tanker Wars            3rd Tanker Washington Examiner            Effects on Cuba FOX Business            Big Beautiful Ships            Bill To Allow American Privateers   Syria            US Strikes BBC   Russia            Russian General Bombing DW            Killing Christmas   Taiwan            Weapons Sale PBS            Knife Attack   AI            France Coup F24   Bitcoin            Samourai Wallet Co-Founder Imprisoned            SIGN THE PETITION   Welfare Fraud            Minnesota Charges CBS            MN Fraud Report FOX 9            Maine Whistleblower NN Hellthcare            Aaron Bean Organ Transplant Loophole   Energy            Windmills Axed   Automation            Autoland   Surveillance            Surveillance Pricing PBS            RESOURCE: SimpleLogin.io            RESOURCE: Privacy.com            RESOURCE: Proton Services   2026 Hiring Trend            Companies are Hiring Storytellers – Workfluence   Education            NY School Box NBC            English Only CBS

In this newscast: This week marks six months since 42-year-old Juneau resident Benjamin Stepetin was last seen in downtown Juneau; The Alaska Department of Education and Early Development found that the Juneau School District did not provide occupational therapy services to some students that were supposed to receive them last school year; The next legislative session is less than a month away, and lawmakers are preparing to return to Juneau; In a special feature highlighting some of KTOO's favorite stories from this year, the KTOO newsroom revisits a story about a refugee family in Juneau split in half by an email from the Trump administration.

What if the real disruption in education isn't a new program… but how we use time, teachers, and tech?In this Disrupt Education recap episode, Alli Dahl and Peter Hostrawser unpack the big ideas from their conversation with Kristy Volesky and Jeff Frost, authors of CTE Reimagined: The Blueprint for Education's Future—and then push them even further.In this episode, Alli and Peter dive into:Why traditional school structures are brokenRethinking 18-week semesters, quarters, and “one pace for everyone” – and what happens when a student finishes meaningful work in 3 weeks instead of 18.AI vs. controlling classroomsHow AI will expose and replace lecture-heavy, compliance-driven teaching – and why the teachers who refuse to loosen control will struggle the most.CTE as the vehicle for reimagining ALL of educationFrom “pipelines” that produce workers to pathways with on- and off-ramps that let students pivot, explore, and design nonlinear careers.Teachers as the untapped superpowerWhy real change won't just come from superintendents or state leaders—and how using tools like YouScience aptitudes for educators could help reassign roles, break silos, and build truly student-centered teams.Experiences are greater than lecturesPeter and Alli share stories from real classrooms, internships, and college projects that students actually remember—and how that connects directly to the CTE Reimagined vision.A challenge for 2026 and beyondLetting go of ego, fear, and tradition. Embracing messy, human, high-impact learning. And using this “off-season” (even winter break) to level up how we serve students.If you're a CTE leader, classroom teacher, counselor, admin, or just someone who knows school has to evolve, this recap will give you fuel, language, and a healthy dose of “let's go” energy.Head to www.disrupteducationpodcast.com for more!

fWotD Episode 3155: Tufted jay Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Wednesday, 24 December 2025, is Tufted jay.The tufted jay (Cyanocorax dickeyi), also known as the painted jay and Dickey's jay, is a species of bird in the crow family Corvidae. It is endemic to a small area of the Sierra Madre Occidental in the Mexican states of Sinaloa, Durango, and Nayarit. A distinctive large jay, it has a prominent dark crest on its head; purplish blue back, wings, and face; a white spot above the eye and on the cheek; white undersides; and a partially white tail. Its typical call is a quick, four-note vocalization.The relationship between the tufted jay and other members of the genus Cyanocorax has been a subject of interest since the species was first described in 1935. Because of the visual similarities between the tufted jay and the white-tailed jay, the two were thought by some to be closely related. A 2010 mitochondrial DNA study has shown that the tufted jay is most closely related to a group of South American jays, despite their ranges being separated by over 2,000 km (1,200 mi). They are likely descended from an ancestral jay which ranged throughout Central and South America.The tufted jay lives in pine-oak forests, often remaining high in the canopy. Its diet consists primarily of berries and fruit, and to a lesser extent insects such as katydids. It forms social flocks centred around a single breeding pair, with some flocks remaining together over several generations. The tufted jay's breeding season starts in late March, with a clutch of two to five eggs being laid in a nest that is cooperatively built by members of the flock. The tufted jay is considered near threatened by the International Union for Conservation of Nature (IUCN). Its population is decreasing, with an estimated 10,000–20,000 mature individuals in the wild. The primary threat to its survival is habitat destruction due to agricultural expansion and deforestation due to logging and narcotic cultivation.This recording reflects the Wikipedia text as of 00:36 UTC on Wednesday, 24 December 2025.For the full current version of the article, see Tufted jay on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm long-form Ruth.

rWotD Episode 3156: Jacob Bolotin Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Wednesday, 24 December 2025, is Jacob Bolotin.Jacob W. Bolotin (January 3, 1888 – April 1, 1924) was the world's first totally blind physician.Born in 1888 to a poor immigrant family in Chicago, United States, Bolotin fought prejudice and misconceptions about the capabilities of blind people in order to win acceptance to medical school and then into the medical profession. He fought his way into and through the Chicago Medical School, graduated with honors at 24, and became the world's first totally blind physician fully licensed to practice medicine. He was particularly recognized for his expertise on diseases of the heart and lungs. Bolotin used his many public speaking engagements to advocate for the employment of the blind and their full integration into society. After he died at the young age of 36, his funeral was attended by 5,000 people.This recording reflects the Wikipedia text as of 00:04 UTC on Wednesday, 24 December 2025.For the full current version of the article, see Jacob Bolotin on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Salli.

In this episode, we welcome Congresswoman Mariannette Miller-Meeks from Iowa, who discusses the ongoing challenges of unaffordability in healthcare and the new Republican initiatives aimed at reducing premiums for all Americans. She emphasizes the importance of creating more competition in the insurance market and highlights the proposed association health plans for gig economy workers. Additionally, we explore the significance of the Speed Act in streamlining infrastructure projects and its potential impact on economic growth. Later, we welcome actress, author, and education freedom advocate Sam Sorbo, along with co-founder Kelly Walker, to discuss the pressing issues surrounding parental rights in education. They delve into the challenges parents face, including government overreach and the need for executive actions to protect parental rights. we sit down with Larson Jensen, founder of Harpoon Ventures, former Navy SEAL, and two-time Olympic medalist, to discuss the intersection of technology and national security. As we approach the end of the year, Larson shares insights on America's technological advancements in military and intelligence sectors, highlighting the critical role of drone technology in modern warfare. He delves into the implications of unmanned systems on the battlefield and the necessity for the U.S. to maintain its technological edge against adversaries.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe world is moving away from wind and solar, coal demand is up, China was never going along with the green new scam. Trump is moving carefully through the [CB] minefield economy. Gold is on the move. Trump is moving the country out of the old system. The [DS] try to get Trump with the Epstein hoax, now that the information dropped the people can now see what the [DS] was planning. Ship building is coming back to the US. Trump signs the NDAA that has additional protections for the election. Every step of the way Trump is countering the [DS] cheating system. Economy https://twitter.com/KobeissiLetter/status/2003156645388406992?s=20   consumption, or 4.95 billion tonnes. By comparison, US coal demand stands at 410 million tonnes, just ~5% of the world's total. Meanwhile, the IEA projects a gradual decline in demand over the next 5 years, to ~8.60 billion tonnes by 2030. However, past forecasts of peak coal demand have repeatedly proven wrong, as consumption continues to rise. Coal remains in high demand 23 US States Are At High Risk Of (Or In) Recession Currently  In 2025, states responsible for about a third of U.S. GDP are in recession, or face high recession risk. Another third are expanding, including Florida and Utah, based on payrolls, employment, and other key economic data. This graphic, via Visual Capitalist’s Dorothy Neufeld, shows recession risk by state in 2025, based on analysis from Mark Zandi, chief economist at Moody's Analytics. In Recession/High Risk Treading Water Expanding State/District Business Cycle Status Share of U.S. GDP (%) Georgia In Recession/High Risk 3.03 Montana In Recession/High Risk 0.25 Wyoming In Recession/High Risk 0.18 Michigan In Recession/High Risk 2.44 Massachusetts In Recession/High Risk 2.73 Mississippi In Recession/High Risk 0.53 Minnesota In Recession/High Risk 1.70 Kansas In Recession/High Risk 0.80 Rhode Island In Recession/High Risk 0.28 Delaware In Recession/High Risk 0.34 Washington In Recession/High Risk 3.02 Illinois In Recession/High Risk 3.85 West Virginia In Recession/High Risk 0.36 New Hampshire In Recession/High Risk 0.42 Maryland In Recession/High Risk 1.86 Virginia In Recession/High Risk 2.66 South Dakota In Recession/High Risk 0.25 Connecticut In Recession/High Risk 1.27 Oregon In Recession/High Risk 1.14 Iowa In Recession/High Risk 0.86 New Jersey In Recession/High Risk 2.93 Maine In Recession/High Risk 0.33 District of Columbia In Recession/High Risk 0.64 Missouri Treading Water 1.54 Ohio Treading Water 3.14 Hawaii Treading Water 0.39 Arkansas Treading Water 0.65 New Mexico Treading Water 0.49 Tennessee Treading Water 1.87 New York Treading Water 7.92 Vermont Treading Water 0.16 Alaska Treading Water 0.24 Colorado Treading Water 1.92 California Treading Water 14.50 Nevada Treading Water 0.86 South Carolina Expanding 1.18 Texas Expanding 9.41 Oklahoma Expanding 0.92 Idaho Expanding 0.43 Kentucky Expanding 0.99 Alabama Expanding 1.10 Indiana Expanding 1.81 Nebraska Expanding 0.63 North Carolina Expanding 2.86 Louisiana Expanding 1.11 Florida Expanding 5.78 North Dakota Expanding 0.26 Pennsylvania Expanding 3.54 Arizona Expanding 1.88 Wisconsin Expanding 1.53 Utah Expanding 1.02 Currently, many coastal, Northeastern states are facing some of the worst economic conditions. In Maine, for instance, year-over-year GDP growth is just 0.8% as of Q2 2025, compared to the U.S. average of 2.1%. Meanwhile, Washington, D.C.'s unemployment rate was 6.4% in July, significantly higher than the 4.6% U.S. average given sweeping federal cuts. According to Zandi's analysis, New York and California are “Treading Water”, together responsible for driving over 22% of U.S. GDP. In comparison, Texas, which fuels 9.4% of U.S. economic growth is expanding. Unemployment rates of 4.0% in July remain below the U.S. average. Additionally, the Texas economy is growing faster than the nation, while income growth rose 6.3% annually as of Q2 2025, outpacing the national average.   Source: zerohedge.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/unseen1_unseen/status/2003254895143461092?s=20   caused by falling home prices while increasing the affordability of homes. Home builders aren’t going to build more homes if they are losing money. Trump can’t force them to build homes. This is where thinking outside the box comes in play and things like the 50 year mortgage, interest rate cuts, lower down-payments, salt taxes etc get proposed. With deportations and the decline of the boomer generation from old age, supply will be increasing. Prices will come down. The trick is not to allow them to go into a free fall and keep demand high enough to soak up a great deal of that supply. Trump’s proposed $2,000 tariff rebate checks depend on Congress   President Donald Trump needs Congress to take action to make good on a proposal to send some Americans $2,000 tariff rebate checks next year. Director of the National Economic Council Kevin Hassett said the U.S. House and Senate will need to take up the matter. “I would expect that in the new year, the president will bring forth a proposal to Congress to make that happen,” Hassett said on “Face the Nation” on Sunday. Details about Trump’s tariff rebate proposal remain sparse. Trump has said he wants to issue the rebate checks and use the rest of the tariff revenue to pay down the nation’s $38 trillion debt, even as the U.S. Supreme Court has not yet determined whether he has the authority to impose tariffs. Source: thecentersquare.com US Industrial Production Rises At Strongest Annual Rate Since Apr 2022 Following the much-stronger-than-expected GDP print, US Industrial Production also surprised to the upside, rising 0.2% MoM in November and pulling the YoY change up to 2.52% – the strongest annual growth since April 2022… Source: zerohedge.com Trump Boom: U.S. Economy Grows 4.3%, Fastest in Two Years, Smashing Expectations The U.S. economy grew this summer at the fastest pace in two years, far outpacing economists' forecasts. The Commerce Department said U.S. gross domestic product—the government's official economic scorecard—rose at a seasonally and inflation-adjusted 4.3 percent annual rate in the third quarter. The report on the July through September period was delayed due to the shutdown. Consumer spending grew much faster than expected, expanding at a seasonally and inflation-adjusted annual rate of 3.5 percent. That's up from 2.5 percent in the second quarter and above the 2.7 percent expected. Source: breitbart.com    FULL steam ahead — “You haven't seen anything yet!” Thank you for your attention to this matter. MAKE AMERICA GREAT AGAIN! DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA https://twitter.com/EricLDaugh/status/2003149733158588868?s=20 This list is just the table setting for the coming booming economy. Wait till Trump transforms the entire fiat world debt system. A Golden Age for the world approaches. https://twitter.com/KobeissiLetter/status/2003285919668011147?s=20    good news, the Market went up. Nowadays, when there is good news, the Market goes down, because everybody thinks that Interest Rates will be immediately lifted to take care of “potential” Inflation. That means that, essentially, we can never have a Great Market again, those Markets from the time when our Nation was building up, and becoming great. Strong Markets, even phenomenal Markets, don't cause Inflation, stupidity does! I want my new Fed Chairman to lower Interest Rates if the Market is doing well, not destroy the Market for no reason whatsoever. I want to have a Market the likes of which we haven't had in many decades, a Market that goes up on good news, and down on bad news, the way it should be, and the way it was. Inflation will take care of itself and, if it doesn't, we can always raise Rates at the appropriate time — But the appropriate time is not to kill Rallies, which could lift our Nation by 10, 15, and even 20 GDP points in a year — and maybe even more than that! A Nation can never be Economically GREAT if “eggheads” are allowed to do everything within their power to destroy the upward slope. We are going to be encouraging the Good Market to get better, rather than make it impossible for it to do so. We are going to see numbers that are far more natural, and far better, than they have ever been before. We are going to, MAKE AMERICA GREAT AGAIN! The United States should be rewarded for SUCCESS, not brought down by it. Anybody that disagrees with me will never be the Fed Chairman! Political/Rights https://twitter.com/libsoftiktok/status/2003309528805470611?s=20 https://twitter.com/MrAndyNgo/status/2003266300832038926?s=20 https://twitter.com/libsoftiktok/status/2003271819705389139?s=20   interfere with immigration operations. https://twitter.com/libsoftiktok/status/2003378383862817224?s=20 https://twitter.com/BillMelugin_/status/2002573015142576350?s=20 https://twitter.com/TriciaOhio/status/2002801058897142114?s=20   This was a targeted operation to arrest Fernandez Flores, a criminal illegal alien from Honduras with a criminal conviction for making a false police report. Flores entered the United States illegally at unknown date and location without inspection by an immigration officer. He will remain in ICE custody pending further immigration proceedings. If you come to our country illegally and break our laws, we will find you, we will arrest you, and you will not return. https://twitter.com/DHSgov/status/2003130997198713329?s=20https://twitter.com/MJTruthUltra/status/2003214521419333695?s=20 https://twitter.com/MJTruthUltra/status/2003214521419333695?s=20 WATCH: Justice Department Releases Shocking Recreation Video of Jeffrey Epstein Trying to Kill Himself The Justice Department on Monday released recreation video of Jeffrey Epstein inside of his jail cell trying to kill himself. The video – which was revealed to be computer-generated – is timestamped August 10, 2019 at 4:29 am ET – Epstein was found dead at 6:30 am ET on August 10, 2019. Prosecutors previously said that the two CCTV cameras positioned outside of Epstein's cell had malfunctioned. The 10-second recreation video shows Epstein sitting on the floor of his cell attempting to kill himself. WATCH:  Source: thegatwaypundit.com  https://twitter.com/MarioNawfal/status/2003476301970133417?s=20  “a circular line of erythema at the base of the neck” along with other marks of friction and bruising on his knee. Epstein told prison staff he didn't remember what happened but was afraid to return to the Special Housing Unit, saying it was “where he had gotten marks on his neck and he does not know why it happened.” He said he had only slept 30 minutes a night for five days due to noise and stress. His cellmate, ex-cop Nicholas Tartaglione, had reportedly been harassing him, and Epstein claimed “he tried to kill me.” Staff noted Tartaglione had been aggressive and was seen mocking Epstein with a string around his neck. Despite these signs, the incident was labeled a “possible suicide attempt.” https://twitter.com/MarioNawfal/status/2003292687835787393?s=20  were actively tracking and attempting to contact 10 individuals connected to Epstein’s crimes. The email references attempts to contact Brunel (modeling agent Jean-Luc Brunel, who later died in prison), Maxwell (Ghislaine, now serving 20 years), and mentions “Ohio contacting Wexner.” Les Wexner is the billionaire L Brands founder who gave Epstein his $77 million NYC mansion and served as his primary financial benefactor for years. A separate confidential document from law firm Debevoise & Plimpton lists SDNY matters they appeared in, including one entry: “Wexner: Epstein investigation.” 10 co-conspirators. Only Maxwell was ever charged. The names behind those black boxes are the real story here. https://twitter.com/MikeBenzCyber/status/2003358231780032675?s=20 https://twitter.com/MarioNawfal/status/2003480729624412240?s=20  and his residence as Dammam, Saudi Arabia. Profession listed: “Manager.” It's part of a trove of thousands of Epstein-related files released overnight. https://twitter.com/MarioNawfal/status/2003436034709995730?s=20   from Epstein's properties – computers, hard drives, disks, the digital nervous system of the operation. And they can't get it. At one point, frustration boils over into honesty: “The FBI is completely fucking us on this.” That's not a tweet. That's an internal DOJ message. Translation: the prosecutors responsible for bringing cases did not have a clear, reliable accounting of the evidence in the FBI's possession. Not what was seized. Not what was imaged. Not what was searchable. Not what was missing. This isn't incompetence in a vacuum. It's structural. Evidence control is power. Whoever controls the data controls the pace, the scope, and the fallout. And remember: Epstein died before trial. Maxwell was prosecuted narrowly. No broader conspiracy case ever materialized. Prediction: this is why. Not because the evidence didn't exist- but because it never cohered into something prosecutors could safely touch without detonating their own case. The scandal isn't just who was on the tapes. It's that even the feds couldn't tell you where the tapes went. That's not a cover-up movie plot. That's a system quietly eating itself. https://twitter.com/sentdefender/status/2003457025695719784?s=20  and sensationalist claims made against President Trump that were submitted to the FBI right before the 2020 Election. To be clear: the claims are unfounded and false, and if they had a shred of credibility, they certainly would have been weaponized against President Trump already.” New: More Epstein Files Drop, and Donald Trump Appears to Be the Star This Time Around So, what incriminating evidence against President Trump is to be found in this latest drop? Apparently, an email from January 2020 in which a federal prosecutor from New York – of course – to an “undisclosed person” claiming Trump had flown on Jeffrey Epstein’s private plan at least eight times during the 1990s, and one time there was a 20-year-old woman on the flight.  Here’s more: The email, which was sent in January 2020 from a federal prosecutor in New York to an undisclosed person, says, “For your situational awareness, wanted to let you know that the flight records we received yesterday reflect that Donald Trump traveled on Epstein's private jet many more times than previously has been reported (or that we were aware), including during the period we would expect to charge in a [Ghislaine] Maxwell case.”  This big revelation is that Trump traveled a few more times than we previously knew, although this was during a time period that the president has already acknowledged having had an association with Epstein. Note the timing of the email – January 2020 is when the presidential election would be kicking into full swing. This anonymous federal prosecutor clearly thought they had a gotcha moment, but there’s a pesky little detail that puts things in perspective: “[Trump] is listed as having traveled with, among others and at various times, Marla Maples, his daughter Tiffany, and his son Eric.”  Source: redstate.com The specific document you’re referring to appears to be the complaint filed in the 2020 civil lawsuit Doe v. Indyke et al. (Case No. 1:20-cv-00484, S.D.N.Y.), which was part of the recently released Epstein files by the U.S. Department of Justice.  This lawsuit was brought by an anonymous plaintiff (“Jane Doe”) against the executors of Jeffrey Epstein’s estate (Darren Indyke and Richard Kahn) and Ghislaine Maxwell, seeking compensation for alleged sexual abuse and trafficking by Epstein.How Trump’s Name Appears in the DocumentOn page 4 of the complaint, the plaintiff alleges that during one of her encounters with Epstein (around the 1990s), he took her to Trump’s Mar-a-Lago resort in Florida when she was 14 years old. Epstein reportedly introduced her to Donald Trump (then the owner of Mar-a-Lago), elbowed him playfully, and asked, referring to the girl, “This is a good one, right?” Trump is described as smiling and nodding in agreement, after which they both chuckled. The plaintiff states she felt uncomfortable but was too young to understand why at the time. The document does not accuse Trump of any criminal wrongdoing or involvement in Epstein’s abuse; it frames this as part of the broader context of her grooming and exploitation by Epstein.How the Name Got Into the DocumentTrump’s name was included as part of the plaintiff’s personal allegations detailing her experiences with Epstein. The complaint is a legal filing where the victim recounts specific incidents to support her claims against Epstein’s estate and associates. It reflects her firsthand account, not a court-verified fact or evidence from other sources.  There is no mention of independent corroboration (e.g., witnesses, photos, or records) in the filing itself, and it has not been adjudicated in court as true.Source of the AllegationThe source is the anonymous plaintiff (“Jane Doe”), who claims to be a victim of Epstein’s abuse starting from age 13 or 14.  She was reportedly recruited at a summer camp in Michigan and alleges ongoing grooming and assaults by Epstein over several years. This Doe is distinct from other known accusers like Virginia Giuffre, though a similar incident (Epstein introducing a 14-year-old to Trump at Mar-a-Lago without the “good one” comment) was testified to by another accuser (“Jane”) during Ghislaine Maxwell’s 2021 criminal trial.  https://twitter.com/disclosetv/status/2003236602374713557?s=20 DOGE Geopolitical https://twitter.com/BreannaMorello/status/2003196698974191914?s=20   that are protected under the Constitution. Under D.C. law, anyone wishing to own a firearm must register it with the MPD. However, the D.C. Code imposes a sweeping ban on the registration—and thus the legal possession—of a wide range of firearms. This broad prohibition, the Justice Department argues, infringes on the Second Amendment rights of law-abiding citizens who seek to keep and bear commonly owned firearms for lawful purposes. Trump's DOJ Sues Washington, D.C. Police Department Over Unconstitutional Ban on Semi-Automatic Firearms The Department of Justice has filed a lawsuit against the District of Columbia's Metropolitan Police Department for enforcing a ban on semi-automatic firearms in violation of the Second Amendment. The lawsuit alleges that D.C.'s gun laws require registration of all firearms with the MPD; however, the D.C. Code imposes a sweeping ban on numerous protected weapons, making it legally impossible for residents to own them for self-defense or other lawful purposes. The DOJ said in a press release announcing the lawsuit: “MPD's current pattern and practice of refusing to register protected firearms is forcing residents to sue to protect their rights and to risk facing wrongful arrest for lawfully possessing protected firearms.” “Today's action from the Department of Justice's new Second Amendment Section underscores our ironclad commitment to protecting the Second Amendment rights of law-abiding Americans,” said Attorney General Pamela Bondi. Bondi continued, “Washington, DC's ban on some of America's most popular firearms is an unconstitutional infringement on the Second Amendment — living in our nation's capital should not preclude law-abiding citizens from exercising their fundamental constitutional right to keep and bear arms.” Echoing this sentiment, Assistant Attorney General Harmeet K. Dhillon of the Civil Rights Division added, “This Civil Rights Division will defend American citizens from unconstitutional restrictions of commonly used firearms, in violation of their Second Amendment rights. The newly established Second Amendment Section filed this lawsuit to ensure that the very rights D.C. resident Mr. Heller secured 17 years ago are enforced today — and that all law-abiding citizens seeking to own protected firearms for lawful purposes may do so.” The case draws directly from the landmark 2008 Supreme Court decision in District of Columbia v. Heller, where the Court affirmed that the Second Amendment protects the right of law-abiding citizens to own semi-automatic weapons in their homes for self-defense. Source: thegatewaypundit.com https://twitter.com/CynicalPublius/status/2003192220753723840?s=20 https://twitter.com/disclosetv/status/2003238094057955337?s=20 War/Peace https://twitter.com/WarClandestine/status/2003334956479558072?s=20 there will be no escalation into broader conflict, and the decision has already been made. However, precision air strikes on cartel assets seems like a probable outcome. Trump is neutralizing Deep State assets around the globe, and South/Central American drug cartels are assets of the Deep State. They are transnational criminal organizations responsible for the drug, weapon, and human trafficking of the Western hemisphere, and their racket feeds the Deep State machine. My guess is, that cartel drug factories and assets are going to get smoked by the US MIL via precision air strikes, and the other powerful leaders of the world have already agreed to some sort of deal with Trump and no one will interfere. Just like Iran and Syria. I think most of the leaders/nations of the world agree with Trump that these transnational criminal organizations must be eradicated, and stability must be brought to the world. President Unveils ‘Trump Class’ Of Warships, Huntington Ingalls Shares Jump    build two new “Trump-class” battleships, to acquire 20-25 of these ships in the coming years.   In his address, the President noted these 30,000-40,000 ton ships will carry a large quantity of missiles, including hypersonic missiles, and will also be outfitted with electromagnetic rail guns and directed energy lasers. Trump-class battleships will also carry nuclear-armed sea launched cruise missiles (currently under development) adding an additional element of nuclear deterrence to the Navy. Trump-class destroyers appear to be designed as the center of enhanced command and control networks at sea, as the Navy looks to field more autonomous assets and traditional vessels in the coming years.   The first “Trump-class” battleship will be named USS Defiant, and it will be even longer than the Iowa-class battleships of the World War II era. However, at 35,000 tons, it will only weigh about half as much, and have a smaller crew of between 650 and 850 sailors; the Iowa had some 2,700 sailors. The new ships — which are being called “guided missile battleships” —  are part of larger vision for a “Golden Fleet.” The Navy has rolled out a website to promote that concept. Sources tell AP that construction of the Defiant is expected to start in the early 2030’s, with another 19 to 24 Trump-class ships to follow.   Source: zerohedge.com https://twitter.com/EricLDaugh/status/2003231263520379120?s=20   that kind of money, they HAVE to build quickly!”   “We want the dividends to go into the creation of production facilities. We’ll be talking about CapEx, dividends and the pay.” “Also, buybacks…they want to buy back their stock. I want them to put their money in plants and equipment! So they can build these planes FAST, like, IMMEDIATELY!” Medical/False Flags https://twitter.com/FBIDirectorKash/status/2003224842078675311?s=20  of American institutions or threats to our food supply, economy, or public safety. Protecting the homeland means vigilance: every time, no exceptions. https://twitter.com/ThomasMoreSoc/status/2003262595566850541?s=20  precedent-setting victory, a federal court has permanently blocked California AG Rob Bonta and the CA Dept. of Education from forcing teachers to lie to parents about their own children’s secret gender transitions—declaring parents have a constitutional right to know and teachers have a constitutional right to share the truth. [DS] Agenda https://twitter.com/CynicalPublius/status/2003205278796501397?s=20  larger scale. Don't forget that the Malthusians are antihuman and that they believe that 7 out of every 8 human lives on the planet must be terminated in order to save the world. Nearly 100 Minnesota Mayors Send Panicked Letter to Lawmakers Complaining About Fraud Scandal and the Leadership of Tim Walz Almost 100 mayors in the state of Minnesota have sent a letter to state lawmakers complaining about the fraud scandal and how it is going to impact the communities they serve. They are clearly not happy with the leadership of Governor Tim Walz and his connections to the fraud scandal that has rocked the state in recent weeks. The scandal is still unfolding and it's unclear what the final tally will be, but it's looking like something in the tens of billions. FOX News reports:  You can see the full letter here. These mayors should have demanded that Tim Walz resign. Source: thegatewaypundit.com https://twitter.com/elonmusk/status/2002771316345327905?s=20 Our crooked politicians have set up the biggest money laundering operation in the world and that 38 trillion in debt is almost all tied to fraud. this is the tip of the iceberg. Buckle up, its all being exposed. Your harder earned money was used to support a criminal syndicate.  President Trump's Plan  https://twitter.com/DcLidstone/status/2003338615917806050?s=20 John Brennan Lawyers Confirm Their Client is a “Target” of a Grand Jury Investigation Lawfare lawyer Kenneth Wainstein representing former CIA Director John Brennan confirmed in a proactive litigation letter to Chief Judge Cecilia M. Altonaga of the Federal District Court for the Southern District of Florida, their client is a “target” of a grand jury investigation. The word “target” is important here, because the letter specifically outlines how Brennan has received subpoenas for documents and information surrounding his construct of the 2017 Intelligence Community Assessment. The letter notes that prosecutors from the Office of the United States Attorney for the Southern District of Florida, Jason Reding Quiñones, have advised Mr. Brennan that he is “a target” of a grand jury investigation.   [SOURCE] Pay attention to the footnotes being cited by Brennan's lawyers as they begin to pull in some of the commentary by voices who have publicly given opinion about the overall Trump targeting operation.  Mike Davis name appears frequently in this letter, as the Brennan defense team begins to frame the conspiratorial nature of some claims against their client. In essence, the Brennan legal team are attempting to refute the evidence by pointing to the blanket of some crazy commentary that covers it. This is exactly what I have been cautioning about {SEE HERE}. Source: theconservativetreehouse.com https://twitter.com/TheStormRedux/status/2003448097930662069?s=20  Cannon's courtroom. FANTASTIC. https://twitter.com/amuse/status/2003133420021424297?s=20   Thune objected the president would be able to adjourn Congress for ten days and get his full team on the field. https://twitter.com/DavidShafer/status/2002953961595449763?s=20 National Defense Authorization Act (NDAA) Contains Hidden Election Integrity Gem – Could Have Huge Implications for Voting Machines    With the National Defense Authorization Act signed by President Donald Trump on December 18th, 2025, a little-known section was snuck into the 3000+ page bill:  Section 6805. Requiring Penetration Testing As Part Of The Testing And Certification of Voting Systems. This section amends the Help America Vote Act of 2002 by adding a “Required Penetration Testing” section that “provides for the conduct of penetration testing as part of the testing, certification, decertification, and recertification of voting system hardware and software” by an accredited laboratory. The amendment now requires the penetration testing as a condition of certification from the U.S. Election Assistance Commission (EAC) and allows consultation with the National Institute of Standards and Technology or any other federal agency on “lab selection criteria” and “other aspects of the program.” While this is still short of a legitimate attempt at ensuring election integrity, it is an effort toward scrutinizing the voting systems by finally requiring cybersecurity experts to do what Clay Parikh was restricted from doing during his time as a VSTL contractor. Hand-marked paper ballots hand-counted at the precinct level, is being utilized in Dallas County, TX for the 2026 midterm primaries, and is still the ultimate goal of the election integrity community to ensure free and fair elections in the United States. Source: thegatewaypundit.com Penetration testing, often abbreviated as “pen testing,” is a cybersecurity practice where authorized experts simulate real-world cyberattacks on a computer system, network, or application to identify and exploit vulnerabilities before malicious actors can do so. The goal is to uncover weaknesses in security measures, such as software flaws, misconfigurations, or inadequate defenses, and provide recommendations for remediation. It typically involves several stages: Planning and reconnaissance: Gathering information about the target system. Scanning: Using tools to probe for potential entry points. Gaining access: Attempting to exploit vulnerabilities to breach the system. Maintaining access: Testing how long access can be sustained without detection. Analysis and reporting: Documenting findings, risks, and fixes. In the context of Section 6805 of the Fiscal Year 2026 National Defense Authorization Act (NDAA), which incorporates provisions from the SECURE IT Act (H.R. 6315), penetration testing is mandated as part of the testing, certification, decertification, and recertification process for voting system hardware and software. The Election Assistance Commission (EAC) must implement this requirement within 180 days of enactment, with accreditation of testing entities handled through recommendations from the National Institute of Standards and Technology (NIST). This ensures that voting systems used in federal elections undergo rigorous cybersecurity assessments to detect and mitigate vulnerabilities, enhancing election security Poll: Trump's Approval Rating Lands at 50 Percent, 9 Points Above Water President Donald Trump enjoys a 50 percent approval rating, with a net approval rating of plus 9 points, according to the latest polling from InsiderAdvantage.  Source: breitbart.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Happy holidays! Thanks for tuning into THE WILD. I’m so glad you’re here. THE WILD team is hard at work on some more brand-new episodes that will come out in the new year. But for now, I want to revisit a very popular episode from last season that I think is perfect for this busy time of holiday travel. It’s a conversation I had with author Ben Goldfarb about roads and their impact on pretty much everything in the natural world. So, if you’re piling into the car to get to the airport, or taking a road trip to visit your friends and family, give a listen to this episode. I bet it’ll get you thinking differently about America’s roads. We'll be back in your feed in a few weeks. Have a happy and safe holiday season! GUEST:Ben Goldfarb, is an award-winning environmental journalist and author of Crossings: How Road Ecology Is Shaping the Future of Our Planet Enjoy BONUS CONTENT and help us continue to create this special immersive storytelling by joining THE WILD Patreon community at www.patreon.com/chrismorganwildlife and you can donate to KUOW at kuow.org/donate/thewild. Thank you. Follow us on Instagram @chrismorganwildlife and @thewildpod for more adventures and behind the scenes action! THE WILD is a production of KUOW in Seattle in partnership with Chris Morgan Wildlife and Wildlife Media. It is produced by Matt Martin and Lucy Soucek, and edited by Jim Gates. It is hosted, produced and written by Chris Morgan. Fact checking by Apryle Craig. Our theme music is by Michael Parker.Support the show: https://www.patreon.com/c/ChrisMorganWildlifeSee omnystudio.com/listener for privacy information.

OUR FAMILY MUSIC ACADEMY: Affordable and effective online weekly music lessons designed for families.https://www.voetbergmusicacademy.comChristmas SALE - Use coupon code: PODCAST25 for 25% off each month.Coupon expires at the end of the day on December 25, 2025.-Get it All Done Club: Stop drowning in motherhood and start thriving! https://www.nowthatwereafamily.com/get-it-all-done-clubWe are CLOSING down enrollment at the end of 2025. If you have this on your wish list, now is the time to purchase it! Is your life just too complicated to ever feel peaceful? Learn how to create a peacefully productive home in one week. Check out Katie's Free Home Management Masterclass: https://www.nowthatwereafamily.com/peacefully-productive-home-masterclass-Mentioned during podcast: - "Norms and Nobility: A Treatise on Education" by David V. Hicks - https://amzn.to/3MLsAq8

The Dean's List with Host Dean Bowen – A veteran educator reveals how unseen forces shape school culture and student formation. He explains why education must go beyond academics to nurture the soul, beginning with teachers. Through forgiveness, discipline rooted in care, and spiritual attentiveness, schools can resist destructive influences and guide children toward virtue, faith, and purposeful lives grounded in truth...

In their annual tradition, Jen and Pete list their very favo(u)rite things of 2025.Specifically, in this episode Jen and Pete talk about their favo(u)rite:Fiction book.Non-fiction book.Podcast.TLATSOI episode.Thing they watched.Motto.Thing they discovered about themselves.To hear all episodes and read full transcripts, visit The Long and The Short Of It website: https://thelongandtheshortpodcast.com/.You can subscribe to our Box O' Goodies here (https://thelongandtheshortpodcast.com/) and receive a weekly email full of book and podcast recommendations, quotes, videos, and other interesting things that Jen and Pete are noodling on. To get in touch, send an email to: hello@thelongandtheshortpodcast.com.Learn more about Pete's work here (https://humanperiscope.com/) and Jen's work here (https://jenwaldman.com/).

In this episode, I break down VA Chapter 31 benefits and why so many veterans overlook how powerful this program really is. I walk through how VR&E goes beyond the GI Bill by combining career counseling, education funding, and employment support into one end-to-end transition tool. From aptitude testing to identifying civilian career paths, this benefit is designed to help veterans find work that actually fits their skills and limitations. My goal is to give you clarity on what's available and how it can change your post-service trajectory.   Timestamps (00:00) — Intro (01:28) — Career counseling explained (03:02) — Education and training coverage (04:55) — Living allowance and stipends (06:42) — Eligibility and application steps (08:48) — How veterans maximize VR&E benefits   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Join our investor list: https://www.frommilitarytomillionaire.com/investors Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire

As the TribCast team takes a holiday break, we bring you this recording of Matthew's interview with U.S. Senate candidate James Talarico from The Texas Tribune Festival.This episode is sponsored by SXSW.Be where the future unfolds at SouthbySouthwest 2026. Get 10% off your Innovation Badge when you use code "tribcast10". Join the creatives shaping what's next at sxsw.com/tribcast10. Discount applies to badge price only, excludes applicable fees and taxes. Cannot be combined with other offers, discounts, or promotional codes. Badge purchase subject to credential terms and conditions.

Today is Episode 400… a milestone I never imagined when I sat at my dining room table with six children during the pandemic, simply trying to create safety and stability for kids who needed a place to learn. But 400 episodes later, I have grown. You have grown. The entire movement has grown. And in this episode, I'm sharing a full-circle moment: the official transformation from the Teacher Let Your Light Shine podcast into the new era of ReDream Education. This is not a rebrand. This is a rebirth. Over the years, many of us have walked through burnout, fear, exhausted dreams, and the longing for something more meaningful. We've outgrown systems that didn't fit us anymore. We've struggled with leaving the classroom, starting schools, raising families, and carrying visions bigger than our circumstances. And yet—just like me—so many of you have been redreaming your lives, your schools, your identities, and your purpose. In this episode, I reflect on: ⭐ The evolution I've experienced over 400 episodes Burnout, rebuilding, expansion, leadership, program redesign, and the deep internal shift that demanded a new dream. ⭐ How our community has changed You're not just teachers needing encouragement. You're founders. Innovators. Mothers and fathers creating microschools, homeschool hybrids, learning communities and learner-centered environments from the ground up. ⭐ Why ReDream Education had to be born Because the world no longer needs encouragement alone—it needs leaders, school builders, and architects of the future committed to mastery-based, personalized, flexible, human-centered learning. ⭐ How Microschool Masterminds is evolving This is now a national training ground for founders, offering: weekly coaching leadership frameworks enrollment systems financial planning curriculum decision-making multi-age learning structures personalized learning blueprints legal and operational support community building scalable school models It's everything educators search for when they're ready to step into their calling as founders. Microschool Masterminds is no longer just a program. It is a movement inside the movement. ⭐ Why today marks the official beginning of the ReDream Era Teacher Let Your Light Shine gave hope. ReDream Education builds leaders. Teacher Let Your Light Shine inspired teachers. ReDream Education equips founders. Teacher Let Your Light Shine ignited the spark. ReDream Education builds the fire. And as we step into this next chapter, I leave you with this question: What part of your life is asking to be redreamed? Because if you're listening today, your dream isn't dying— it's evolving. Teacher Let Your Light Shine Microschool, Learning Pod, Tutoring and Homeschool Business Coaching Launch and Scale Your Microschool or Homeschool Hybrid by Maximizing Your Time, Optimizing Your Finances and Mastering Your Marketing! With our program, you'll confidently navigate the journey of starting or growing your educational venture, equipped with the tools and support needed to achieve lasting success! Teacher Let Your Light Shine Microschool, Learning Pod, Tutoring and Homeschool Business Coaching Join Our Facebook Group for a supportive community and the “best place on the corner of the internet” Teacher, Let Your Light Shine's Microschool Community | Facebook Book a Clarity Coaching Session: Teacher Let Your Light Shine Microschool, Learning Pod, Tutoring and Homeschool Business Coaching Get started on your dream school right now! Get all the documents you need to jumpstart, market and enroll students! Teacher Let Your Light Shine Microschool, Learning Pod, Tutoring and Homeschool Business Coaching We have step-by-step instructions to help you write powerful marketing brochures, enrollment forms, introductory packets, and so much more! You'll also find easy-to-use templates made to simplify your creation process, as well as beautiful real-life examples used by my micro-school, Lighthouse Learning, to give you creative inspiration when designing your very own forms. You will be able to seal the deal with peace and clarity when you hand deliver your new handbook and contract. Tune in to today's episode to find out more and head over to our shop to purchase your documents at teachersletyourlightshine.com!

Minnesota's largest school district is staring down a walkout in the new year. The Anoka-Hennepin teacher union says it has filed an intent to strike. Meanwhile, the Minnesota Department of Education is asking Minnesotans for public feedback on its new K-12 health education standards — which go into effect in 2028. Advocates say the currently drafted standards introduce much-needed education on abuse prevention as a part of broader sex education curricula and they do a better job in helping students understand consent, puberty and pregnancy.A Hennepin County judge has sentenced a Minneapolis man to life in prison with no possibility of release for planning the murder of a real estate agent.

This is Part One of a conversation with Lucy Butler of River Haven Animal Sanctuary, Dr Stephanie Jones and her grad student, Sofia Abuin Dr. Jones is new to Equiosity. She graduated with her PhD in Behavior Analysis from West Virginia University in 2021. Her primary research focuses on effects of implementer errors that occur during well-established behavioral treatments. To meet this aim, she conducts laboratory and applied research with the aim of supporting development of robust behavioral interventions. She started teaching and conducting research at Salve Regina University in 2021 and is the principal investigator for the Translational Research and Applied Intervention Lab. Through her lab, she supports research engagement of students at the undergraduate, master's, and doctoral training levels. She publishes in and reviews for several peer-reviewed behavior-analytic journals, such as the Journal of Applied Behavior Analysis and Education and Treatment of Children. Good training is very much emphasizes the importance of taking the time to build a relationship with the individuals you're interacting with. We modeled that in Part One. Dominique and I were meeting Stephanie and Sophia for the first time in this recording. So instead of jumping straight in to the study Stephanie and her collegues conducted at River Haven, we began by talking about coercion, control, and even more about empathy.

Summary 

Worried your child is more focused on what they'll get this holiday season?In this episode, I dive into the idea of instead of saying, "what do you want?", you say, "what would you like to give?". I talk about raising thoughtful gift gives and trying to balance out the receiving and the giving. ⁠Ready to Adopt the 4 C's of Collaborative Discipline?⁠⁠⁠⁠⁠Grab your free download and embrace connection before correction! Get it ⁠⁠⁠⁠⁠here.⁠⁠⁠⁠December 23, 2025Episode 298Gift Giving Season - Stop Asking, "What Did You Get?". Ask This Instead! About Your Host: Cara Tyrrell, M.Ed. is a mom or three, early childhood author, parent educator, and founder of Core4Parenting. A former preschool and kindergarten teacher with degrees in ASL, Linguistics, and Education, she created the Collaborative Parenting Methodology™ to help parents, caregivers, and educators understand the power of intentional language in shaping a child's identity, confidence, and future success.As host of the top-ranking podcast Transforming the Toddler Years, Cara blends science and soul to show adults how to “talk to kids before they can talk back,” turning tantrums into teachable moments and everyday challenges into opportunities for connection. She is also the author of the forthcoming book Talk to Them Early and Often, a guide for raising emotionally intelligent kids who thrive in school and life.Be the First to Know When Talk to Them Early and Often is Available For Preorder. Get on the list ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠!⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Interested in being a guest on the podcast? We'd love to hear from you! Complete the ⁠⁠⁠⁠⁠Guest Application form⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠

Watch the episode on Youtube: https://youtu.be/f5gWUVQI0jIMelissa Martin and Matt Kirchner are back to answer your questions, covering everything from university curriculum design, to AI in the classroom, to what employers actually expect when they invest in education.This one moves fast, but it's focused: how do you build programs that truly prepare students for modern work? How do you keep education from falling behind as technology accelerates? Along the way, Matt and Melissa break down what universities need to change, how to raise the bar in the age of generative AI, why ethics can't be an afterthought, and how to help HR teams understand the value of credentials and new pathways.Listen to learn:What university programs should teach (in one course) to better prepare grads for modern manufacturing workHow educators can help students identify when AI is wrong and why we need to level-up our homework in the age of AIThe role of ethics in modern CTEThe five components of a world-class, modern advanced manufacturing high school programHow educators can measure program effectiveness and show ROI to industrial partnersWhat HR teams need to understand about changing credentials, degrees, and how to evaluate technical candidates3 Big Takeaways from this Episode:1. have to teach applied industrial skills, not just theory. Matt argues that a four-year program can cover a lot of “cool stuff in the lab,” but it still needs authentic manufacturing equipment and technology so graduates understand what they will actually see in industry. He frames this as an employer expectation problem: even when budgets are tighter at the four-year level, universities still need to build around the same core technologies students will encounter on day one in manufacturing. 2. AI changes the standard for student work and makes ethics a core requirement. Melissa and Matt point out that AI is designed to produce an answer even when it doesn't know (causing a 'hallucination'), which means students must learn to question outputs and verify accuracy instead of treating AI as a sole source of truth. From there, the conversation moves from classroom integrity into broader ethics: what it means to do original work, and how humans should think and behave as AI becomes more capable and more embedded in decision-making. 3. Industry and HR and educators must understand each other's needs to build a successful partnership. Education and Industry both have a responsibility to do their part in a partnership. HR departments must understand the changing landscape of certifications, 3-year degrees and other credentials that students are gaining to demonstrate their technical competency. Likewise, educators must adopt industry practices of tracking metrics to show employer partners the ROI of their investments in the program.Access tons of links & resources on the episode page: https://techedpodcast.com/askusanything-122025/We want to hear from you! Send us a text.Instagram - Facebook - YouTube - TikTok - Twitter - LinkedIn

The following guests sit down with host Justin White:•   Eric Katz, Independence Home Loans•   Michael Cain and Tracy Campagna, SD Mortgage Couple•   Craig Snell, Milestone Mortgage Solutions•   Carrie Gusmus, Aslan Home Lending•   David Kakish, Anchor Home LoansHighlights From Our 5 Most Downloaded Episodes of 2025How to nail the first 90 seconds of a sales call. Attracting real estate agents through social media. Educating clients to avoid getting rate-shopped. Equipping new loan originators with tools for sustained success. Earning business instead of asking for it. These were the topics we covered in our most popular podcast episodes of the year. You'll hear something from each of those conversations on Episode #112, Good. Better. Broker.'s Best of 2025.In this episode of the Good. Better. Broker. podcast, you'll hear clips from our most downloaded episodes of the year.In this episode, we discuss ...•   0:47 – tips for having successful sales calls•   3:54 – standing out to real estate agents on Instagram•   6:28 – providing value to borrowers through education•   8:57 – providing new LOs with tools to get business•   12:17 – how to earn business from real estate agents instead of asking for itShow Contributors:Eric KatzConnect on LinkedIn   Connect on Facebook Connect on InstagramMichael Cain and Tracy CampagnaConnect with Michael on LinkedIn   Connect with Tracy on LinkedIn   Connect on Facebook Connect onInstagramCraig SnellConnect on LinkedIn Connect on Facebook Connect on InstagramCarrie GusmusConnect on LinkedIn   Connect on Facebook Connect on InstagramDavid KakishConnect on LinkedIn   Connect on Facebook Connect on InstagramJustin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   

Omari Richins, MPH of Public Health Careers podcast talks with Thelma Thiel. In this conversation, Thelma Thiel shares her personal journey of loss and advocacy for liver health, stemming from her son's struggles with liver disease. She emphasizes the importance of educating the public about the liver, a silent organ often overlooked in health discussions. Thelma discusses the systemic challenges in public health, particularly the lack of funding for education and prevention compared to research and treatment. She highlights her efforts in fundraising and advocacy, aiming to raise awareness about liver health and the need for preventive measures. The conversation culminates in a call to action for better education and understanding of liver health, urging listeners to recognize the liver's critical role in overall health and well-being.

Alex Smereczniak is a serial entrepreneur and the co founder and CEO of Franzy, a platform reshaping how entrepreneurs discover and acquire franchise businesses. Franzy was built to remove the opacity and friction that traditionally plague franchising, giving founders real clarity, tools, and support to make smarter decisions. Alex's work centers on enabling ownership and helping people bet on themselves with better information.Before Franzy, Alex co founded and served as CEO of 2ULaundry and LaundroLab, where he helped scale a venture backed laundry delivery company and its franchise arm from the ground up. His experience spans fundraising, growth, operations, and franchising, and he remains actively involved as a board member for both companies. He has lived the realities of scaling fast, hiring teams, navigating capital, and building systems that hold under pressure.In this episode, Alex breaks down what actually works when building businesses that scale and why entrepreneurship is more accessible than most people think when the right structure is in place. He shares lessons from multiple ventures, hard earned insights from the franchise world, and a clear perspective on how to create companies that drive both profit and impact. This is a grounded conversation with a founder who understands the full lifecycle of building and backing businesses.

Public schools are mandated to provide educational opportunities to all students and generally work very hard to support learners with profound deficits or differences. But what about learners who require enrichment rather than accommodations? Amy and Mike invited Kenneth Shores to examine the question of what public education owes to advanced students. What are five things you will learn in this episode? In theory, what is the purpose of public education? Why has public education struggled to support advanced students? Does harm occur when enrichment is withheld from thriving students? Why shouldn't families be responsible for providing enrichment? How does supporting advanced students align with the purpose of public education? MEET OUR GUEST Dr. Kenneth A. Shores is an associate professor specializing in education policy in the School of Education at the University of Delaware, and he is affiliated with the UD Center for Research in Education and Social Policy. His research is focused on educational inequality and encompasses both descriptive and causal inference. To this end, his work addresses racial/ethnic and socioeconomic disparities in test scores, school disciplinary policy, classification systems, and school resources. In addition, he has examined how improvements to school finance systems can reduce educational inequality and how vulnerabilities in school finance systems can contribute to it. Dr. Shores was a National Academy of Education/Spencer Dissertation Fellow, a Philanthropy and Civic Society Fellow, a Stanford Graduate Fellow, and an Institute of Education Sciences (IES) Predoctoral Fellow. In 2018, he was the co-recipient of the National Council on Measurement in Education's Annual Award for exceptional achievement in educational measurement. He received his Ph.D. in education policy analysis from Stanford University. Prior to graduate school, he was a middle school teacher on the Navajo Nation. Kenneth can be reached at https://kennethshores.com or kshores@udel.edu. LINKS Rethinking What Public Education Owes to Flourishing Children High-achieving students deserve to be challenged in school RELATED EPISODES WHY GIFTED PROGRAMS ARE UNDER ATTACK THE NECESSITY OF GIFTED AND TALENTED PROGRAMS HOW GRADING POLICIES INFLUENCE GRADE INFLATION ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright, Roots2Words, and College Eagle. Amy Seeley is the president of Seeley Test Pros and LEAP. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, get in touch through our contact page.  

In this episode of the Passive House Podcast, co-hosts Jay Fox and Ilka Cassidy interview Ben Bogie, a third-generation high-performance builder and Director of Outreach and Education at BPC Green Builders. Ben discusses the foundational lessons learned from his family's history in building super-insulated, airtight, thermally broken structures since the 1970s. He shares insights into the evolution of high-performance building methods, the importance of incorporating sound building science techniques, and the challenges of the modern construction industry. Ben also highlights his role in educating builders on high-performance practices through venues like the International Builders Show and expresses concerns about the rapid push towards electrification without comprehensive planning. The conversation covers topics such as the benefits of measuring real-world building performance, changes in insulation materials, the importance of site water management, and the potential impact of AI on the construction industry.https://www.bpcgreenbuilders.com/ Thank you for listening to the Passive House Podcast! To learn more about Passive House and to stay abreast of our latest programming, visit passivehouseaccelerator.com. And please join us at one of our Passive House Accelerator LIVE! zoom gatherings on Wednesdays.

Show SummaryOn today's episode, we're featuring a conversation with Marine Corps Veteran Andy Gasper, CEO and President of Warrior Foundation Freedom Station, a nonprofit organization that has created Freedom Stations, recovery transition centers and housing facilities that provide injured Warriors with the acclimation time, guidance and resources to successfully make the transition from military service to civilian lifeProvide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestAndy Gasper is the President and CEO of Warrior Foundation Freedom Station, a nonprofit organization dedicated to supporting wounded, ill, and injured service members as they transition from military service to civilian life. Warrior Foundation Freedom Station provides transitional housing, peer support, mentorship, financial and career guidance, wellness services, and community connection through its Freedom Station residences in San Diego, helping medically retiring warriors prepare for long-term success.Under Andy's leadership, the foundation has expanded its mission to include a structured 18-month transitional housing program that offers wraparound support services designed to empower residents to pursue education, careers, and independent living. The program integrates peer-to-peer support, counseling, mentorship, and practical life guidance to foster meaningful community and improved quality of life for veterans navigating the challenges of recovery and civilian transition.A Marine Corps veteran himself, Andy brings both lived experience and professional commitment to his work, emphasizing the importance of community, dignity, and holistic support for America's warriors. Under his stewardship, Warrior Foundation Freedom Station has opened multiple transitional housing facilities and continues to scale its impact to serve more medically retiring service members and their families.Warrior Foundation Freedom Station supports service members and veterans who are seriously ill or injured, affected by post-traumatic stress or traumatic brain injury, undergoing therapy, or navigating medical retirement and reintegration into civilian life.Links Mentioned During the EpisodeWarrior Foundation WebsiteWarrior Foundation VideoPsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is The PsychArmor course How to Build a Successful Transition Plan. Join General Peter Chiarelli, United States Army (Ret.), in PsychArmor's course “How to Build a Successful Transition Plan” as he discusses the importance of setting realistic expectations, goal-setting, and flexibility during your transition. You can find the resource here:  https://learn.psycharmor.org/courses/How-to-Build-a-Successful-Transition-Plan Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Time for the holiday message! Rounding off the year with a brief and casual reflection on some issue that doesn't quite rise to the level of a full solo podcast. And hopefully something uplifting.This year, I offer a short apologia for higher education in the liberal arts and sciences, focusing not on the down-to-earth economic/occupational benefits of a college degree, but on the very real ways in which such an education opens up possibilities for personal growth. I think all of us in academia should be loud and unapologetic about the more romantic, idealistic values of the modern university.Happy holidays all!Blog post with transcript: https://www.preposterousuniverse.com/podcast/2025/12/22/holiday-message-2025-the-romance-of-the-university/Support Mindscape on Patreon.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sarah is back from Mexico, and she has tales to tell! It was a White Lotus scenario with a little jellyfish run-in on the side. Susie watched The Stringer documentary about the Napalm Girl Pulitzer Prize winning photograph, and the recent controversy about who took the picture. We learn about a 30 year study on the language used in obituaries, and what it can teach us about societal values, what matters to us, and what influences changes over time. We discuss a theft of a Fabergé egg and the unusual means the thief used to take it.Brain Candy Podcast Website - https://thebraincandypodcast.com/Brain Candy Podcast Book Recommendations - https://thebraincandypodcast.com/books/Brain Candy Podcast Merchandise - https://thebraincandypodcast.com/candy-store/Brain Candy Podcast Candy Club - https://thebraincandypodcast.com/product/candy-club/Brain Candy Podcast Sponsor Codes - https://thebraincandypodcast.com/support-us/Brain Candy Podcast Social Media & Platforms:Brain Candy Podcast LIVE Interactive Trivia Nights - https://www.youtube.com/@BrainCandyPodcast/streamsBrain Candy Podcast Instagram: https://www.instagram.com/braincandypodcastHost Susie Meister Instagram: https://www.instagram.com/susiemeisterHost Sarah Rice Instagram: https://www.instagram.com/imsarahriceBrain Candy Podcast on X: https://www.x.com/braincandypodBrain Candy Podcast Patreon: https://www.patreon.com/braincandy (JOIN FREE - TONS OF REALITY TV CONTENT)Brain Candy Podcast Sponsors, partnerships, & Products that we love:Head to https://airdoctorpro.com and use promo code CANDY to get UP TO $300 off today!Cancel your unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/braincandy today.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

OA1218 - What happens to your first amendment rights when you work for the government? Do you give it all up when you walk in the door? How do we balance the individual right of the worker to speak, against the government's need to have a functioning work place? Pickering v Board of Education (1968) sets us up to understand how this all works… and why a teacher criticizing Charlie Kirk on their personal Facebook page probably isn't a fireable offense. Patrons got exclusive content at the end of this one, only available at patreon.com/law! Can you apply these principles to eight cases that followed Pickering? Quiz yourself alongside Thomas! Pickering v Board of Education, 391 U.S. 563 (1968) A summary of the history of criminal defamation law, Robinson, E.P. (2024, July 5). Criminal libel. Free Speech Center at Middle Tennessee State University. Check out the OA Linktree for all the places to go and things to do! To support the show (and lose the ads!), please pledge at patreon.com/law!

Get a FREE Posing eBook from The Portrait System here: https://the-portrait-system.lpages.co/podcast-pose-funnel/Today, on The Portrait System Podcast, our guest is portrait & lifestyle photographer Damien Carter. Listen in as host Nikki Closser interviews Damien about how he built his business for success in less than a year after being laid off from his full-time job. Damien tells us all about how he keeps his prices high and clients coming back. If you're looking for inspiration this week, then this episode is for you!PODCAST LISTENER SPECIAL!! If you want to get started with the Portrait System, get a special discount using code “POD7” to get one month access for just $7 here https://theportraitsystem.com/pricing/IG https://www.instagram.com/theportraitsystem/YouTube https://www.youtube.com/c/theportraitsystemSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or 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 Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold rights for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:11   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  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's one, 937, 795, 8989. Yep, text their freedom coach directly again. 1-937-795-8989   Keith Weinhold  24:52   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 420, Five, six, 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 Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   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  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com