Podcasts about every american

Another day in the last days of the "Grand Experiment" in liberal democracy. Fascist Trump lies about Kilmar Abrego Garcia JD Vance calls the Chinese "peasants" Musk wants a legion of spawns to help him destroy Earth and more! We discuss the madness __________________________________________________ Check out "The Tara Show" with Tara Devlin and Tara Dublin every Thursday 2PM EST on the Political Voices Network! www.youtube.com/@PoliticalVoicesNetwork Head on with Robyn Kincaid is on 5 nights a week! headon.live/ Tarabuster is among the independent media voices at APSRadioNews.com Tarabuster is also on rokfin.com/tarabuster BECOME A "TARABUSTER" PATRON: www.patreon.com/taradevlin Join the Tarabuster community on Discord too!! discord.gg/PRYDBx8 Buy some Resistance Merch and help support our progressive work! tarabustermerch.com/ Contact Tarabuster: tarabustershow@maskedfort.com Buy some Resistance Merch and help support our progressive work! tarabustermerch.com/ Keep the REAL liberal media going and growing! Support Tarabuster: www.paypal.com/paypalme/taradacktyl

Every American has a free choice—their choice of who they want to be and how they want to get there. But, you have to live right. That goes for Muslims and even Bernie Sanders' rallies.  #rights #citizens #sanders #needtoknow #tkr #patriotic #TKRPodcast #TKRApp #Podcast #KipKeefer #TonyKurreRadio Grab the free TKR app to ROCK Apple - https://apps.apple.com/us/app/tkr/id1463187328

The left is melting down over so-called tax cuts for millionaires—but here's the truth: ALL Americans who pay income tax are getting relief. Pags exposes the spin, and economist Vance Ginn joins to break down exactly how these cuts work, why they're good for the economy, and how Trump is rooting out fraud to return YOUR money. Ginn delivers the facts the media won't—don't miss this! Learn more about your ad choices. Visit megaphone.fm/adchoices

Maryland Congressman Jamie Raskin joins Defending Democracy to discuss the state of democracy, how Republicans are ceding their constitutional powers and the one action every American should do to protest DOGE. -Sign up for our free newsletters: http://newsletters.democracydocket.com/yt-subscribe-Become a member of our premium content: https://www.democracydocket.com/member-yt-Support our work: https://www.democracydocket.com/support/ -Shop Democracy Docket merch: https://store.democracydocket.com Follow Democracy Docket!-Bluesky: https://bsky.app/profile/democracydocket.com-⁠X/Twitter⁠: https://twitter.com/DemocracyDocket -⁠Facebook⁠: https://facebook.com/democracydocket -⁠Instagram⁠: https://instagram.com/democracydocket-⁠TikTok⁠: https://tiktok.com/@democracydocket -Threads: https://www.threads.net/@democracydocketThis video was produced and edited by Paige Moskowitz.

Mike Armstrong and Paul Lane discuss Target's warning to US consumers about the impact of tariffs. Is the Fed going to start cutting rates soon? Social Security plans to cut 7,000 workers and most want to know if that will impact benefits. The man who saved Social Security in the 1980's has some advice for today's politians. Walgreens nears roughly $10B deal to go private. Kraft Heinz will make crystal light booze. How did fast-food apps take over the drive-thru?

More Info on the Show: https://rhr.tv- Fold goes public on NASDAQ - FLD https://x.com/SchwabNetwork/status/1892319634185212341- VanEck Employee Claims Jack Dorsey is Satoshi https://x.com/matthew_sigel/status/1891852538376487327- Brink renews grants for the 8 bitcoin core engineers they support https://x.com/bitschmidty/status/1887559865050018285- Bitwise Donates $150k of ETF Profit to OpenSats, HRF, and Brink https://x.com/BitwiseInvest/status/1891865302729883754- Argentina's Milei Faces Fraud Charges, Impeachment Calls After Failed Memecoin Launch https://www.nobsbitcoin.com/argentinas-milei-faces-fraud-charges-impeachment-calls-after-failed-memecoin-launch/- Unbank partners with Voltage to bring Lightning payments to 40,000 locations https://www.voltage.cloud/blog/unbank-teams-up-with-voltage-to-bring-lightning-fast-bitcoin-transactions-to-40-000-locations-including-walgreens-and-cvs- Nigeria appears to have swapped Binance Executive Tigran Gambaryan for US "resources and expertise" to fight illicit finance in a secret deal with the State Department https://www.therage.co/the-cost-of-gambaryan/- iOS v18.3.1 update fixes security flaw used in sophisticated attacks https://arstechnica.com/gadgets/2025/02/ios-18-3-1-update-fixes-security-flaw-used-in-extremely-sophisticated-attack/Zimbabwe | Ordinary Citizens Pay Price of Deeply Indebted RegimeZimbabwe's debt crisis has pushed 7.6 million people into food insecurity as an El niño-driven drought worsens an economy already horribly mismanaged and exploited by a military dictatorship. The roots of this crisis run deep. Former tyrant Robert Mugabe's land seizures in the early 2000s shattered agricultural output, wiped out foreign investment, and unleashed hyperinflation that erased Zimbabweans' savings and wages. Decades of economic mismanagement drained the national resources and exacerbated food insecurity. Now, ordinary citizens shoulder the cost of regime failures. Families who once farmed their own land depend on expensive food imports they can't afford, while the bankrupt regime pleads for more dollar-based loans — only to weaken the local currency and sink the country further into debt.- Fountain App v1.1.16: Nostr Live Streams & Storage Manager https://www.nobsbitcoin.com/fountain-v1-1-16/- COLDCARD EDGE Release: Versions 6.3.5X (Mk4) and 6.3.5QX (Q) https://blog.coinkite.com/edge-635/- Bisq v1.9.19 & Bisq2 v2.1.6: Updates and Security Improvements https://www.nobsbitcoin.com/bisq-v1-9-19-bisq2-v2-1-6/- Alby Hub v1.14.2: Basic Swap Functionality, Home Widgets & More https://www.nobsbitcoin.com/alby-hub-v1-14-2/0:00 - Intro3:05 - Opening riff6:50 - Trump & New Tech cabal20:45 - Dashboard22:18 - FLD on NASDAQ25:45 - Is Jack Satoshi?32:59 - Grants37:53 - Milei's scam46:21 - Unbank Voltage52:09 - Trump banning congestion pricing56:47 - Nigeria Gambaryan deal1:00:16 - Fort Knox1:06:26 - iOS security patch1:06:58 - HRF Story of the Week1:12:58 - Boost1:13:09 - Software updates1:18:32 - AI is ruining RHR1:22:26 - Reorg shillShoutout to our sponsors:Unchainedhttps://unchained.com/rhr/Bitkeyhttps://bitkey.world/Stakworkhttps://stakwork.ai/Coinkitehttps://coinkite.com/TFTC Merch is Available:Shop Nowhttps://merch.tftc.io/Join the TFTC Movement:Main YT Channelhttps://www.youtube.com/c/TFTC21/videosClips YT Channelhttps://www.youtube.com/channel/UCUQcW3jxfQfEUS8kqR5pJtQWebsitehttps://tftc.io/Twitterhttps://twitter.com/tftc21Instagramhttps://www.instagram.com/tftc.io/Follow Marty Bent:Twitterhttps://twitter.com/martybentNewsletterhttps://tftc.io/martys-bent/Podcasthttps://tftc.io/podcasts/Follow Odell:Nostrhttps://primal.net/odellNewsletterhttps://discreetlog.com/Podcasthttps://citadeldispatch.com/

George Washington was a man among men, the first "action hero" in American history. Every American should be able to hold a conversation about his life and legacy.https://mcclanahanacademy.comhttps://patreon.com/thebrionmcclanahanshowhttps://brionmcclanahan.com/supporthttp://learntruehistory.com

Imagine how much kinder and more united we'd be if every American traveled to all 50 states. In this episode, I share my thoughts on why a nationwide program to fund state-by-state travel for students—from elementary to high school—could transform how we see each other. Similar to how global travel broadens perspectives and fosters understanding of different cultures, exploring our own country could bridge divides, break stereotypes, and build empathy. While I'm not naive enough to think this mandate will happen anytime soon, I explain why we should take it upon ourselves to embrace this idea—and the transformative power it holds for all of us. Don't forget to like, share, and subscribe! Yours truly, Phil Svitek Filmmaker, author, podcaster & 360 Creative Coach ⁠http://philsvitek.com⁠

Fox News Digital Reporter Brooke Singman joins Fox Across America With Jimmy Failla to react in real time as White House press secretary Karoline Leavitt holds her first briefing. Jimmy tells us how Leavitt's transparency and openness to welcoming all types of media into the briefing room is a refreshing change of pace from the previous administration. PLUS, Florida Republican Congresswoman Anna Paulina Luna responds to Selena Gomez's meltdown over the Trump administration following through on its promise to deport illegal immigrants with a criminal record. [00:00:00] Trump unveils plan to end income taxes [00:38:20] Karoline Leavitt holds first WH press briefing [00:56:50] Brooke Singman [01:15:10] Selena Gomez cries about deportations [01:33:40] Rep. Anna Paulina Luna Learn more about your ad choices. Visit podcastchoices.com/adchoices

If you don't understand how Hamas views Allah you don't fully understand what has happened in the last 15 months in Israel, or even in the last few weeks. Hamas is a terror organization whose distorted view of God drives everything they do.  What is it about the way Hamas sees Allah that shapes their behavior and why is Donald Trump more effective in dealing with Hamas than Joe Biden was?  Every American needs to know the answers and what to do about it. Brightmedia.org twitter.com/GodIsTheIssue GOD, Who Are You Anyway?  by Bill Bright, with Brad Bright brightmedia.org/resources #faith  #worldview

When news coverage was censored, poisoning Americans was much easier. With Big Ag and Big Food no longer controlling every commercial news break, Americans are waking up to the fact that the federal government has knowingly allowed the food supply to be poisoned for years. (Please subscribe & share.) Sources: https://www.facebook.com/share/p/14gzsnUn4J/ https://www.reuters.com/business/healthcare-pharmaceuticals/fda-bans-red-dye-found-candy-cakes-2025-01-15/#:~:text=3%20dye%20in%20food%2C%20drugs%20over%20potential%20cancer%20links,-By%20Mariam%20E&text=Jan%2015%20(Reuters)%20%2D%20The,causes%20cancer%20in%20laboratory%20rats.

There was a period there, for a few days after January 6th, when EVERY American was united and felt the exact same. This is bad, this is way too far. And then…slowly but quickly, we sank back into our divide. And after a couple weeks, and then a few months, and now almost four years, January 6th divides us just like any issue…immigration, tax policy…divides us. How did that happen? Hosted on Acast. See acast.com/privacy for more information.

It's Tuesday, December 3rd, A.D. 2024. This is The Worldview in 5 Minutes heard on 125 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Chinese democracy activists get prison time The Chinese Communist government in Hong Kong has sentenced 45 democracy activists to prison time. The activists had participated in a political party for a primary not approved of by the state. At least two Christians, Benny Tai, age 60, and Joshua Wong, age 28, were among those sent to prison. Finnish officials cancel concert featuring Handel's Messiah A school in the former Christian-influenced nation of Finland cancelled a concert featuring segments of Handel's Messiah.  According to a news report from the Helsingin Salomat paper, the cancelled concert would have been a joint performance by the Finnish Baroque Orchestra and the Helsinki Chamber Choir. Biden-Harris Dept of Ed. persecuting Christian colleges The American Principles Project has released a report charging the Biden administration's Department of Education with persecuting Christian colleges. The report cites that nearly 70% of penalties imposed by the Department of Education's Office of Enforcement has been against Christian institutions and career colleges, even though these schools represent less than 10% of college students. And, within the last year, the Biden-Harris Department of Education imposed record fines against two of the nation's most prominent Christian universities.  It fined Grand Canyon University a whopping $37.7 million for allegedly “not fully informing” students about the costs of its doctoral programs on its website. University officials “categorically” denied the allegation. And the education bureaucrats levied a $14 million fine against Liberty University for alleged violations which stem from a failure to comply with crime-reporting requirements.  The Department's penalty, the largest ever for the category, hardly fits the accusation— especially considering steps the school voluntarily took to remedy its reporting and agreed to spend $2 million towards “on-campus safety improvements and compliance enhancements.” By comparison, Michigan State University was only fined $4.5 million in 2019 for failing to report sexual abuses by former team doctor Larry Nassar, who assaulted hundreds of victims The fines of the Christian colleges amount to more than all other penalties assessed by the Department of Education over the past seven years. Also, the report points out that funding for the heavy-handed enforcement has increased from $4 million to $61 million just since 2023. Planned Parenthood gave hearts of aborted babies to scientists Stomach-churning emails show Planned Parenthood negotiating terms regarding the donation of aborted fetuses for medical research, reports the New York Post. The emails discuss fetal tissue like any other commodity such as sugar or rice, nonchalantly negotiating for dead babies who were alive up to 23 weeks gestation from elective abortions. A heavily-redacted so-called “Research Plan” submitted to the University of California San Diego Institutional Review Board, and approved in 2018, states scientists wanted 2,500 dead babies from up to almost the sixth month of gestation for experimentation.  The plan gruesomely states, “We will collect tissues from fetuses ranging from 4 to 23 weeks gestational age from subjects undergoing elective surgical pregnancy termination at Planned Parenthood in San Diego.” Although selling fetal tissue is illegal, donating it is not illegal. The contract between University of California San Diego and Planned Parenthood appears to allow Planned Parenthood to retain “intellectual property rights” relating to the fetal tissue, although it also does not grant the school the independent right to “commercialize” the tissue.  David Daleiden, pro-life journalist and the founder of the Center for Medical Progress, obtained the emails by filing a California public records request. Let's remember the words of Psalm 94:2-3, 6-7, 8-10.  “Rise up, O Judge of the Earth; repay to the proud what they deserve! O Lord, how long shall the wicked exult? They kill the widow and the sojourner, and murder the fatherless; and they say, ‘The Lord does not see; the God of Jacob does not perceive.' “Understand, O dullest of the people. Fools, when will you be wise? He who planted the ear, does He not hear? He who formed the eye, does He not see? He who disciplines the nations, does He not rebuke?” Joe Biden pardons his son In a surprising turn around, President Joe Biden pardoned his son, Hunter Biden, of several firearms charges, and “all crimes committed between 2014 and 2024,” which could have added up to 17 years prison time, reports The Associated Press. Gun control has played a major part in the 4-year Biden administration. Between 1993 and 2008, while serving in the US Senate, Joe Biden voted against gun rights on all nine bills presented. Democrat Congresswoman Jasmine Crockett of Texas cheered him on. CROCKETT: “Way to go, Joe. Let me be the first one to congratulate the president for deciding to do this. Because, at the end of the day, we know that we have a 34-count convicted felon that is about to walk into the White House. So, for anyone that wants to clutch their pearls now, because he decided that he was going to pardon his son, I would say, take a look in the mirror.” But Scott Jennings, the conservative commentator on CNN, was aghast. JENNINGS: “This is the worst possible thing a president could possibly do to his party and to the country. To sit for a year and say, ‘I will not do this. The rule of law is sacred. We have to respect the justice system. We have to respect juries. We have to respect the guard rails and the norms of our democracy.' “These people are liars. Inflation: it's transitory. Afghanistan: it's a success. The border is secure. Robert Hur is a liar. The videos are cheap fakes. Biden has a cold. He'll never drop out. ‘Oh, I'll never pardon Hunter.' It's all a lie. It is all a grift. “Every American -- except the most partisan, brain-rotted people -- are going to be outraged by this today. He's disgraced. Joe Biden, [White House Press Secretary] Karine Jean-Pierre, how many minutes of tape do we have of both of these people telling the American people this will not happen? We could play it all morning. And it's a lie to benefit his own family. “He's drained every ounce of credibility from every surrogate. If Karine Jean-Pierre had an ounce of self-respect, she'd get off the plane in Africa today, where they're going so he can avoid the press, and resign. He's drained all of her credibility and everybody else who's defended this.” Interestingly, prior to the election, in an interview with Hugh Hewitt, President-elect Donald Trump said he would consider a pardon for Hunter Biden. Biden censors God in Thanksgiving Proclamation In other President Biden news, for the second year in a row, he issued a Thanksgiving proclamation completely avoiding any mention of God, reports Breitbart. Thus far, only Presidents Barack Obama and Joe Biden have left God out of Thanksgiving. Romans 1:21 explains that “although they knew God, they did not glorify Him as God, nor were thankful, but became futile in their thoughts, and their foolish hearts were darkened.” Homosexual couples adopt at 7x the rate as heterosexual couples And finally, courts are awarding homosexual male couples and  homosexual female couples living together in sin with adoptions at seven times the rate of heterosexual married couples, according to recent data from the Census Bureau.  A full 21% of homosexuals living in a sinful relationship have adopted children.  Tragically, the Mark Regnerus study conducted in 2012 found that 8% of children raised in homosexual homes are victims of incest.  Close And that's The Worldview on this Tuesday, December 3rd, in the year of our Lord 2024. Subscribe by Amazon Music or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

We Need To Talk About Ukraine | The Todd Coconato Show  Website: www.PastorTodd.org To give: www.ToddCoconato.com/give We Need To Talk About Ukraine Right Now The grace that God showed us in allowing President Trump to win the 2024 election may be one of the greatest miracles of our lifetime. Because of what was at stake, we have all been given a gift of grace and more time. We cannot underestimate what God has just done—He spared us from calamity. That being said, we need to pray now more than ever. This battle is not over. Why do I say this? Look first at what's happening right now. Today, Ukraine has fired its first barrage of long-range missiles into Russia. Joe Biden (or whoever is currently running this country) just approved the use of these long-range missiles, which we supplied, to be used inside Russia. This marks a major escalation of the Ukraine war.  There is no reason, in my opinion, for the Biden administration to take this step other than to deliberately try to pull us into World War III before the inauguration, sabotaging President Trump's incoming administration. What kind of evil people make their primary focus the death of unborn babies? What kind of deranged people try to drag the world into a nuclear war? We need to seriously consider the level of evil we are dealing with here. These individuals seem to have no regard for life at all. Or are their minds completely reprobate? No person in their right mind would do what they are doing now. There is no logical reason for these actions. These missiles will only escalate the conflict without any real chance of winning the war. We now clearly see one of their major plans to disrupt the incoming administration, but this is only the beginning. Americans need to understand what is truly at stake. Our news media is not reporting the situation with the urgency it demands. Every American needs to grasp the gravity of what a full-scale conflict with Russia and her allies would look like. This is not a game. Millions of lives are at risk. The stability of the world is at stake. If globalist leaders succeed in pulling us into this war before the inauguration, it could mean invoking the “War Powers Act.” While I am not saying this will happen, it is a possibility. Additionally, Russia will be forced to retaliate against these attacks. What will that retaliation look like? Cyberattacks? Cutting undersea internet cables? Could it even be a staged operation by our own agencies, similar to the Gulf of Tonkin incident? Who knows? Please continue to pray against these demonic plans and the people carrying them out. Pray that God continues His grace on America and that we, as the Body of Christ, maintain the pressure through prayer and fasting against all these evil plans and agendas. I have not even addressed some of their other schemes. We cannot afford to go to sleep right now. This is just one of their plans; there will be others. Pray.

Every American president, from Washington to Biden: Their lives, policies, foibles, and legacies, assessed with clear-eyed authority and wit. Authors of the acclaimed Killing books, the #1 bestselling narrative history series in the world, Bill O'Reilly and Martin Dugard begin a new direction with Confronting the Presidents.From Washington to Jefferson, Lincoln to Franklin Delano Roosevelt, Kennedy to Nixon, Reagan to Obama and Biden, the 45 United States presidents have left lasting impacts on our nation. Some of their legacies continue today, some are justly forgotten, and some have changed as America has changed. Whether famous, infamous, or obscure, all the presidents shaped our nation in unexpected ways. The authors' extensive research has uncovered never before seen historical facts based on private correspondence and newly discovered documentation, such as George Washington's troubled relationship with his mother. In Confronting the Presidents, O'Reilly and Dugard present 45 wonderfully entertaining and insightful portraits of each president, with no-spin commentary on their achievements-or lack thereof. Who best served America, and who undermined the founding ideals? Who were the first ladies, and what were their surprising roles in making history? Which presidents were the best, which the worst, and which didn't have much impact? How do decisions made in one era, under the pressure of particular circumstances, still resonate today? And what do presidents like to eat, drink, and do when they aren't working-or even sometimes when they are? These and many more questions are answered in each fascinating chapter of Confronting the Presidents. Written with O'Reilly and Dugard's signature style, authority, and eye for telling detail, Confronting the Presidents will delight all readers of history, politics, and current affairs, especially during the 2024 election season. Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-unplugged-totally-uncut--994165/support.

Chad Lopez, President of Red Apple Media, joins Sid live in-studio on this Veterans Day to discuss the time he spent in our Armed Forces as a member of the Navy, and why he feels the recognition of the meaning behind Veterans Day is so important for every American.  

In this unifying episode of the Wise Investor Segment, our host Matty A. shares an inspiring message for every American striving for success, regardless of political affiliation. Matty A. explores the fundamental principles that drive achievement, offering strategies to overcome obstacles, build resilience, and create a positive impact in any environment. This episode goes beyond politics, focusing on universal values and practical steps for personal and financial growth. Tune in to gain perspective, motivation, and actionable advice that will empower you to succeed no matter the challenges or circumstances. Episode Sponsored By: Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/ MY FIRST 50K!: Visit https://wiseinvestorcollective.com/ and submit your application to join!

Trump winning back the White House is a teachable moment in persistence… AND Jimmy explains why this moment is a win for every American Co-host of “Outnumbered” and host of “The Fox True Crime Podcast” Emily Compagno joins Fox Across America With Jimmy Failla to share her reaction to President Elect Trump's decisive victory over Vice President Kamala Harris. Jimmy tells us how this political comeback for Trump is a teachable moment for all Americans about the power of persistence. Host of the “Kennedy Saves The World” podcast Kennedy drops by to revel in all the media meltdowns that have happened since it was announced that Harris had lost. PLUS, co-chair of the RNC Lara Trump checks in to describe the scene at Mar-a-Lago when the election results were coming in. [00:00:00] Trump completes biggest political comeback in U.S. history [00:37:50] Emily Compagno [00:56:04] Kennedy [01:14:30] More media reaction to Trump's win [01:32:50] Lara Trump Learn more about your ad choices. Visit megaphone.fm/adchoices

I'm asking every American to put their country's interests first tomorrow. I'm asking every American to think beyond their own partisan interests tomorrow and put their country first. I'm asking every American to vote tomorrow for the candidate who did NOT try to overthrow an American election. I'm asking every American to vote for the candidate they raised their children to be like. I'm not asking too much. Hosted on Acast. See acast.com/privacy for more information.

The Beverly Hills MD Deep Wrinkle Filler is on sale NOW!! This video features everything you need to know about my latest anti-aging obsession! WATCH NOW ———-> https://bhmd1.com/JoyI would encourage everyone to add ‘Good Morning CHD' as a MUST WATCH to their weekly news itinerary and Children's Health Defense as a vital and credible information resource. https://childrenshealthdefense.orgThis week on the “Financial Rebellion” segment, Catherine Austin Fitts alerted the audience to a very serious POST election threat that no one in conservative media is talking about, a total biometric surveillance system."They're trying to build a control grid and they're building it in different steps. And when they all link together, you are in a digital concentration camp and they can take all of your assets, they can take your kids, they have complete control."I'm most concerned that this will be ushered in by so-called conservatives in Trump's inner circle like Elon Musk, JD Vance and Vivek Ramaswamy, who all have strong financial incentives to build this new governmental infrastructure. After the election it will be pitched to an unsuspecting and euphoric conservative base under the guise of national security and as a response to the border crisis.Will we let them use a crisis to fool us AGAIN?Shannon's Top Headlines:Wednesday, October 30Nurse and author Twila Brase joined CHD.TV and “The Solari Report” to discuss the dangers of Real ID and QR Codes and how people can resist them.https://childrenshealthdefense.org/defender/reject-real-id-qr-codes-twila-brase/Fascinating and informative debate -Is Donald Trump The “Lesser Of Two Evils”? with Derrick Broze & Ian Carrollhttps://theconsciousresistance.com/trump-lesser-evil/The Biden administration spent almost $1 billion to push falsehoods about Covid vaccines, boosters, and masks on the American peoplehttps://brownstone.org/articles/the-most-devastating-report-so-far/Exclusive: NIH Spending $2.2 Million to ‘Nudge' Elderly to Get More Vaccineshttps://childrenshealthdefense.org/defender/nih-be-immune-clinical-trial-nudge-more-vaccines/SJ Show NotesLearn about Dom Pullano and PCM & Associates HERE ——>https://www.pcmpullano.comOr call his toll free number here: 1-800-536-1368Sign the petition to urge Trump to address vaccine safety issues:www.makeamericanhealthyagain.votePlease Support Our Sponsors:MUST Watch Movie - Beneath Sheep's Clothing takes the mask off of totalitarianism and explores what lies beneath the surface of seemingly innocent characters and narratives. Get it HERE at https://beneathsheepsclothing.movieStart EVERY day the Chuck Norris Way Extra special bonus from Field of Greens!!!!Plug in the promo code SHANNON for an additional 15% off your purchase!Go to www.fieldofgreens.com to shop and save! Support the showPlease Support Our Sponsors! Achieve financial independence with Colonial Metals Group!!! Set up a SAFE & Secure IRA or 401k with a company who shares your values and supports this show! Learn about your options HERE ——>https://colonialmetalsgroup.com/joy

The Beverly Hills MD Deep Wrinkle Filler is on sale NOW!! This video features everything you need to know about my latest anti-aging obsession! WATCH NOW ———-> https://bhmd1.com/JoyAmendments 3 and 4 MUST go down in Florida.This is a national issue of extreme importance, especially for red states.Governor Ron DeSantis joins me today to warn Americans about the ballot amendment initiatives on abortion and marijuana in Florida. Both are absolute disasters and should be voted down for many reasons which the Governor will explain today.But even MORE important is the deceptive process and corporate undermining of basic democracy and our representative form of government. Every American should be alarmed by this new phenomenon of corporations and monied interest groups essentially purchasing LAW and seizing duly elected government institutions through the amendment process.This is WAY more dangerous than people realize. Your vote won't matter if it can be erased via amendment using extremely deceptive tactics and an onslaught of purchased media.Watch the full report TODAY on the SJ Show ———>https://rumble.com/v5kfv9x-live-exclusive-w-gov-desantis-election-warning-soros-backed-ballot-amendmen.htmlShannon's Top Headlines - Monday, October 28‘Selection 2024' Whitney Webb's latest podcast with James Corbett on the upcoming election:https://newsletter.unlimitedhangout.com/2024-10-25-newsletter/Solari Report warns about Trump & Digital ID push post election:https://x.com/solari_the/status/1850389033928519770Ontario man granted euthanasia for controversial 'post COVID-19 vaccination syndrome'https://nationalpost.com/health/ontario-man-euthanasia-post-covid-19-vaccination-syndromePfizer Lots Starting with "E" Could Signify Serious Side Effects:https://x.com/P_McCulloughMD/status/1850582193518821885Florida Chamber Commerce Urges NO Vote On Amendment 3:https://www.tallahassee.com/story/opinion/2024/10/25/opinion-why-the-florida-chamber-urges-a-no-vote-on-amendment-3/75814565007/SJ SHOW NOTES:Press conferences on Amendments 3 & 4:https://x.com/GovRonDeSantis/status/1848374524842303789https://x.com/GovRonDeSantis/status/1848783153256927395https://x.com/GovRonDeSantis/status/1848743231930175798Sign the petition to urge Trump to address vaccine safety issues:www.makeamericanhealthyagain.vote___________________ Extra special bonus from Field of Greens!!!!Plug in the promo code SHANNON for an additional 15% off your purchase!Go to www.fieldofgreens.com to shop and save! Support the showPlease Support Our Sponsors! Achieve financial independence with Colonial Metals Group!!! Set up a SAFE & Secure IRA or 401k with a company who shares your values and supports this show! Learn about your options HERE ——>https://colonialmetalsgroup.com/joy

Every American red wolf alive right now is descended from only 14 canids. In the 1970s, humans drove the red wolf to the brink of extinction. Because of that, red wolves today have low genetic diversity. But what if we could recover that diversity ... using "ghost genes"? That's right, today's episode is a ghost story. Along the way, we get into gene dictionaries, the possibilities of poo and how a photo of a common Texas coyote started it all.Have another animal you want us to dig into for a future episode? Email us at shortwave@npr.org!Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The complicated history of how America elects presidents and why this matters to the next election. An engaging mix of history and political science, Distorting Democracy will awaken Americans to the perils of our system by unveiling the Electoral College's origins, history, and current problems. This book demonstrates that the system has no principled foundation, that it has changed dramatically over its 230-year history, and that it now threatens the legitimacy of our political system.The book is divided into three ground-breaking sections: Part I tells the story of the Electoral College's origins in the Constitutional Convention. Defenders of the Electoral College tend to invoke gauzy images of the Founding Fathers infusing our system with their unique, timeless wisdom. But history tells a very different story. The Founding Fathers faced a mess; they responded by creating a mess. Part II traces two hundred years of innovations-many of them subtle but highly consequential-to the plan described in the Constitution. As the new nation rapidly descended into bitter political conflict, many of the framers themselves, driven by their partisan interests, massaged the Electoral College into a form that differed profoundly from their founding intentions. Subsequent generations tinkered similarly with the systems' possibilities, always exploiting its potential for political gain. Part III examines how our strange presidential election system has produced frustrating results with increasing frequency in recent elections. Who can forget the Bush-Gore contest of 2000, when the results hinged on "hanging chads" and fewer than 1,500 votes in Florida? Americans endured weeks of a single-state recount, only to have the Supreme Court halt the process and hand the election to George W. Bush. Bush won the Electoral College by a single vote, but Al Gore captured 500,000 more popular votes. Then, in 2016, Donald Trump stunned the world with a substantial Electoral College victory of 302-227, though nearly 3 million more Americans preferred his opponent, and roughly 7 million voted for a third-party candidate. The system increasingly returns results that conflict with the expressed wishes of a majority of voters, a product of our hyper-polarized landscape and unique geopolitical distribution of party loyalists. The system cannot improve until we learn the complicated history of the Electoral College and the lessons it holds for us today. "Every American should read this book. It brings facts and clarity to a debate that too often relies on conjecture about the Electoral College's purposes and ill-informed arguments about how it actually operates. The lessons herein are immense." -- Joshua A. Douglas, Ashland, Inc-Spears Distinguished Research Professor of Law, University of KentuckyBecome a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-unplugged-totally-uncut--994165/support.

101724 SHORT 13 MIN 2 CLIPS Kamala Interview And THE CLIP EVERY AMERICAN SHOULD HEAR by Kate Dalley

Every American president, from Washington to Biden: Their lives, policies, foibles, and legacies, assessed with clear-eyed authority and wit. Authors of the acclaimed Killing books, the #1 bestselling narrative history series in the world, Bill O'Reilly and Martin Dugard begin a new direction with Confronting the Presidents.From Washington to Jefferson, Lincoln to Franklin Delano Roosevelt, Kennedy to Nixon, Reagan to Obama and Biden, the 45 United States presidents have left lasting impacts on our nation. Some of their legacies continue today, some are justly forgotten, and some have changed as America has changed. Whether famous, infamous, or obscure, all the presidents shaped our nation in unexpected ways. The authors' extensive research has uncovered never before seen historical facts based on private correspondence and newly discovered documentation, such as George Washington's troubled relationship with his mother. In Confronting the Presidents, O'Reilly and Dugard present 45 wonderfully entertaining and insightful portraits of each president, with no-spin commentary on their achievements-or lack thereof. Who best served America, and who undermined the founding ideals? Who were the first ladies, and what were their surprising roles in making history? Which presidents were the best, which the worst, and which didn't have much impact? How do decisions made in one era, under the pressure of particular circumstances, still resonate today? And what do presidents like to eat, drink, and do when they aren't working-or even sometimes when they are? These and many more questions are answered in each fascinating chapter of Confronting the Presidents. Written with O'Reilly and Dugard's signature style, authority, and eye for telling detail, Confronting the Presidents will delight all readers of history, politics, and current affairs, especially during the 2024 election season. Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-like-it-s-live--4113802/support.

Every American is worth fighting for.

Is government incompetence undermining our nation's future? In this eye-opening episode of The P.A.S. Report podcast, host Professor Nick Giordano delves deep into the failures plaguing our federal government. From FEMA's flawed response to Hurricane Helene to the continued decline in our education system, he explains how bureaucratic incompetence exists across the board. The federal government's failures are not limited to one department or agency, and its impact can be seen throughout the entire government – defense, education, infrastructure, public health – despite trillions of taxpayer dollars being spent. Join him as he explores how the crisis of incompetence impacts us all.   Episode Highlights: Disaster Mismanagement: An in-depth analysis of FEMA's response to Hurricane Helene and what they reveal about our preparedness. National Security at Stake: A critical examination of systemic issues within the Department of Homeland Security and the Department of Defense that threaten our nation's safety. Billions Spent, Little Gained: How billions in taxpayer dollars are spent with little to show for it, highlighting inefficiencies in infrastructure projects and the declining education system.   Be sure to subscribe and tune in to stay informed on the critical issues affecting America!   More Information If you enjoyed this episode and found it useful, please give The P.A.S. Report Podcast a 5-star rating and take 30 seconds to write a review. Make sure to hit the follow button so you never miss an episode. Please share this episode on social media and with your family and friends. Support The P.A.S. Report Podcast by Visiting Our Advertisers Don't forget to visit https://pasreport.com. Visit The Wellness Company for 10% off your order by using code PAS at check out, visit https://www.twc.health/PAS *PA Strategies, LLC. may earn advertising revenue or a small commission for promoting products or when you make a purchase through any affiliate links on this website and within this post.

We have such an important show today, and the best part of it is that it contains actionable things you can do TODAY to make real, solid, change. There was a hearing on the American Diet yesterday, chaired by Ron Johnson. Please watch and share this show with your friends and family. The future can […] The post EVERY American Must Watch This appeared first on Radio Influence.

Start EVERY day the Chuck Norris Way with Morning Kick! www.chuckdefense.com/JoySeriously, we need to take these bastards down.Rumors have swirled around the film & music industry in Hollywood for decades, along with the bizarre and outright demonic imagery, photos and videos of celebrities, agents and executives being down right disgusting with under-age pop stars. The exploitation of child actors is quite obvious to me and what's more shocking is that the crimes are being committed in broad daylight, right in front of our faces and have been for decades.Issac Kappy, was a child actor who stated this (just nine months before his death by suicide): “A lot of showbiz parents will knowingly give their kids to be abused because they'll be like ‘Oh, we'll get your kids' roles and money.' And they take the money and.. then they just sell their kids. People sell their kids. They sell their kids for money.”His allegations have been echoed by countless other actors and industry insiders like Corey Feldman and John Paul Rice over the years and the fact that this has been allowed to persist for so long is devastating indictment of American culture.Today we explore the recent arrest and indictment of Sean Diddy Combs along with newly released, SHOCKING allegations of outright pedophilia from his former former girlfriend Kim Porter. Hopefully this exposure will help to take down the trafficking kingpin and hopefully MANY others.These institutions (like Hollywood) have enormous power to shape our culture and shackle our leaders through coercion, blackmail and debauchery. We MUST care about this and end it once and for all.________________________________________Show Resources:Details of the Diddy arrest and indictment - https://pagesix.com/2024/09/17/celebrity-news/sean-diddy-combs-charged-with-sex-trafficking-racketeering/?_gl=1*12xklzv*_ga*MTkwNjUwMzIyNi4xNzI2ODM1ODM1*_ga_0DZ7LHF5PZ*MTcyNzA5NjQwOC4zLjEuMTcyNzA5NjU4Ny41MC4wLjA.Details of the Kim Porter allegations - UK Daily Mailhttps://www.dailymail.co.uk/tvshowbiz/article-13864581/sean-diddy-combs-tell-book-kim-porter-arrest.html‘People sell their kids:' A look into child sex abuse in Hollywood - SHARYL ATTKISSONhttps://dayton247now.com/news/nation-world/people-sell-their-kids-a-look-into-child-sex-abuse-in-hollywoodFull Statement from John Paul Rice:https://x.com/matt_sando2107/status/1838205640986038346________________________________________Please Support Our Sponsors:Start EVERY day the Chuck Norris Way with Morning Kick! Get the JOY discount on Morning Kick HERE: www.chuckdefense.com/JoyColonial Metals Group is a valued sponsor of the SJ Sh Extra special bonus from Field of Greens!!!!Plug in the promo code SHANNON for an additional 15% off your purchase!Go to www.fieldofgreens.com to shop and save! Support the showPlease Support Our Sponsors! Achieve financial independence with Colonial Metals Group!!! Set up a SAFE & Secure IRA or 401k with a company who shares your values and supports this show! Learn about your options HERE ——>https://colonialmetalsgroup.com/joy

We have such an important show today, and the best part of it is that it contains actionable things you can do TODAY to make real, solid, change. There was a hearing on the American Diet yesterday, chaired by Ron Johnson. Please watch and share this show with your friends and family. The future can […] The post EVERY American Must Watch This appeared first on Radio Influence.

Everyone is talking about the FED and their 50bps rate cut announcement. But what does that MEAN for the average American? Does it impact you? Yes, it definitely does. But don't worry, this isn't a boring civics lesson. I explain it so a 10-year old could understand it.Connect With MeHeroes! Please leave a review on Apple or Spotify if you love the podcast to help it grow and enable me to get bigger guests on the pod!If you want to join my wealth-building and productivity focused newsletter that takes 5 minutes to read every week, then go to my website. LinkedIN YouTube About the Podcast If working a 9-5 for 60 years so you can retire with a little money and die a few years later is what you want to do, then this is not the podcast for you. This podcast is about contrarian investment strategies around time, energy and money to build the 4 types of wealth and utilize lifestyle design to create the life we want. The interviews are with hi-earning individuals on how they make money so you can copy us and grow wealth too! Reaching that first $100k milestone is crucial and then the game changes.Learn how the wealthy view time, energy and money so you can apply these proven strategies to your life.

Hour one of Larry Conners USA: RUMBLE: https://rumble.com/c/c-1568182 WEBSITE: https://www.larryconnersusa.com/ FACEBOOK: https://www.facebook.com/larryconnersusa NEWSTALK STL: https://newstalkstl.com/larry/ The post Shocking Survey That Should Disappoint Every American / 6P LC-USA 9-19-24 appeared first on Larry Conners USA.

Michael Cohen explains how Trump's dehumanization tactics have offended most if not all groups in America. Learn more about your ad choices. Visit megaphone.fm/adchoices

On Monday's Mark Levin Show, we bring you the best of Mark Levin this Labor Day. The media, the Democrat party, and the ruling class that runs this country will do anything to hold on to power. The American republic requires a truly free and honest media. The American media covered up for Woodrow Wilson when he had a stroke, and his wife ran the country. The American media covered up FDR's near-death condition when he ran for an unprecedented 4th term. The American media lied about President Biden's dementia; and now, the American media are lying, smearing, and concealing on behalf of Kamala Harris and Tim Walz. The media have turned JD Vance into Kamala Harris and Kamala Harris into JD Vance. Harris is running the campaign of a dictator - a pretend nomination and a pretend convention. Harris hates women, she's not for women's rights. Harris and Biden have done more to destroy women's sports than any duo in American history. She chose a running mate, Tim Walz, who signed the most extreme gender transition law in America. Later, what has Harris done for the Black community? Harris opposes school choice as every major Democrat does. Every American should be given a choice of where to send their children to school. Also, this election is a reckoning for the American Jew. Will American Jews abandon Israeli Jews and vote for a party that is openly the voice of Hamas and Iran? Will they abandon the Jewish people for their party? Later, Harris is hiding from the voters behind a corrupt media and campaign surrogates and expects to be handed the Presidency without having to campaign for it. Harris has been nominated in the most un-Democratic process in American history that is spitting in the face of the civil rights movement, women's rights, and representative government. Meanwhile, Donald Trump is facing the media, answering tough questions, and campaigning all across the country to groups of voters that don't always vote Republican because he has a successful record to campaign on. We don't need to be talked down to by people like Bernie Sanders and Oprah Winfrey, who have made a fortune from Capitalism but call it evil, or lied to by the Democrat media covering for Kamala. Learn more about your ad choices. Visit podcastchoices.com/adchoices

President Donald Trump and Vice President Kamala Harris will hit the ground running after VP Harris officially accepts her party's nomination tonight at the 2024 Democratic National Convention. The Sekulow team discusses Harris' speech at the DNC, Kamala's troubling economic policies to fight inflation, Minnesota Governor Tim Walz's speech, President Trump and Senator J.D. Vance campaigning in battleground states, the latest election polls, RFK Jr.'s possible endorsement of Trump, the ACLJ's legal work to defend former U.S. Rep. Tulsi Gabbard – and much more.

Every American Son of Liberty should have experience with and possession of the most famous cartridge that John Moses Browning ever invented; the .50 BMG (Browning Machine Gun). Professor Paul recently reviewed a rifle that is a cost effective entry-level .50 BMG. During our Tech Talk from EOTech Inc, we will talk about mounting optics […] The post Student of the Gun 1255 – Every American Should Own a .50 BMG appeared first on Firearms Radio Network.

Every American Son of Liberty should have experience with and possession of the most famous cartridge that John Moses Browning ever invented; the .50 BMG (Browning Machine Gun). Professor Paul recently reviewed a rifle that is a cost effective entry-level .50 BMG. During our Tech Talk from EOTech Inc, we will talk about mounting optics on the big .50. During our Froglube Pro Tip, Paul has come up with another use for the Super Degreaser. Also, during our SOTG Homeroom from www.SOTGU.com, we consider a recent OpEd on Shooting News Weekly. Do you offer advice when you are at a public gun range? Should you? And, how can we best be prepared to give good advice to new gun owners? Thanks for being a part of SOTG! We hope you find value in the message we share. If you've got any questions, here are some options to contact us: Send an Email Send a Text Call Us Enjoy the show! And remember… You're a Beginner Once, a Student For Life! TOPICS COVERED THIS EPISODE Huge thanks to our Partners: EOTech | FrogLube | Hi-Point Firearms | Spike's Tactical [0:09:24] EOTech Talk - EOTechInc.com TOPIC: EOTech Vudu Scope on .50 BMG Rifle www.shootingnewsweekly.com [0:30:18] Pro Tip of the Week - FrogLube.com TOPIC: Used the Super Degreaser on black powder muzzle-loader [0:51:18] SOTG Homeroom - SOTG University TOPIC: Do You Offer Help or Advice to Other Shooters at the Range? www.shootingnewsweekly.com FEATURING: Shooting News Weekly, Madison Rising, Jarrad Markel, Paul Markel, SOTG University PARTNERS: EOTech, FrogLube, Hi-Point Firearms, Spikes Tactical FIND US ON: iTunes, Stitcher, AppleTV, Roku, Amazon, GooglePlay, YouTube, Threads, Instagram, Facebook, X SOURCES From www.shootingnewsweekly.com: Before we go one step further, I want to go on record as stating that every American son of liberty should have access to and experience with a rifle that fires the greatest cartridge that John Moses Browning ever made, the .50 BMG (Browning Machine Gun) round.  That being said, any rifle chambered in .50 BMG might seem price prohibitive and that will be true for some. But with the correct budgeting, owning the most powerful centerfire rifle available can be done. Particularly if you don't try to shoot your wad all at once.  Noreen Firearms ULR 2.0 .50 BMG A couple of years ago I walked into my favorite ranch store in Laramie, Wyoming and behind the gun counter was something I had never seen before. The rifle was big — very big — and painted in a desert camouflage pattern. I figured it had to be a .50 BMG and the clerk confirmed that it was indeed a Noreen Firearms ULR rifle. The man behind the counter indulged me and passed the massive gun over for my inspection. I had that conflicted feeling in my guts. I really wanted to buy it right there and then, but the reasonable devil talked me out of it. No, the reasonable devil's name is not Nancy.  (Click Here for Full Article)

https://youtu.be/wft_hpC-_Wo This week on the podcast, we cover the National Public Data breach that may have leaked every American's social security number. After that, we discuss research from TALOS on how attackers can abuse Microsoft applications on macOS to gain access to your camera and microphone. We end the episode by discussing recent research on how attackers are attempting to evade Endpoint Detection and Response (EDR) tools.

- Up to 2.9 Billion Records Stolen in a Hack of US Background Check Company https://www.nobsbitcoin.com/up-to-2-9-billion-records-stolen-in-a-hack-of-a-us-background-check-company/ - UN Cybercrime Draft Convention Approved Unanimously Despite Widespread Opposition https://www.nobsbitcoin.com/un-cybercrime-draft-convention-approved-unanimously-despite-widespread-opposition/ - Russia, Venezuela Block Signal Messenger https://www.nobsbitcoin.com/russia-venezuela-block-signal-messenger/ - SimpleX Raises $1.3M from Jack Dorsey & Asymmetric VC, Releases Chat v6.0 https://www.nobsbitcoin.com/simplex-chat-v6-0/ - Nigerian Bitcoiner Sues Government for the Right to Own, Acquire, and Trade Bitcoin https://www.nobsbitcoin.com/nigerian-bitcoiner-sues-government-for-the-right-to-own-acquire-and-trade-bitcoin/ - OpenSats Announces New Round of Grants Focused on Bitcoin Core https://www.nobsbitcoin.com/opensats-announces-new-round-of-grants-focused-on-bitcoin-core/ - Human Rights Foundation Story of the Week Venezuela | Restricts Access to Binance and Blocks X Amid Post-Election Upheaval Venezuelans are now struggling to access Binance, the world's largest cryptocurrency exchange. “Like several company websites in different segments in Venezuela, including social media, Binance's pages have been facing access restrictions,” Binance announced. Binance is a peer-to-peer exchange popular with Venezuelans in search of US dollars, stablecoins, and Bitcoin to escape the regime's ongoing devaluation of the bolívar. With Binance now inaccessible, many find themselves financially trapped and increasingly vulnerable in a country where 82% live in poverty and 53% live in extreme poverty. Alongside censoring Binance, Maduro has blocked access to social media platform X for 10 days, revoked passports arbitrarily, and detained over 2,000 activists, lawyers, opposition figures, and civilians protesting the fraudulent election results. FinancialFreedomReport.org - Validating Lightning Signer v0.12: 'Benevolent Basilisk' https://www.nobsbitcoin.com/validating-lightning-signer-v0-12/ - Bankify: Turn Cashu Mints into Lightning Wallets with NWC https://www.nobsbitcoin.com/introducing-bankify/ - El Salvador Attracts $1.6 Billion for Port Infrastructure Development Near Bitcoin City https://www.nobsbitcoin.com/el-salvador-attracts-1-6-billion-for-port-infrastructure-development-near-bitcoin-city/ 2:52 - How the turntables 6:54 - Dashboard 9:27 - Bitcoin policy 19:23 - Big leak 25:18 - Stak 26:36 - UN cybercrime 37:43 - Russia & Venezuela block Signal 39:53 - SimpleX raise 48:27 - Nigerian bitcoiner sues gov 53:31 - OpenSats grants 58:51 - HRF Story of the Week 1:04:25 - Boosts 1:09:45 - Software updates 1:15:41 - El Salvador infrastructure investment Shoutout to our sponsors: Unchained Capital https://unchained.com/concierge/ Coinkite https://coinkite.com/ TFTC Merch is Available: Shop Now https://merch.tftc.io/ Join the TFTC Movement: Main YT Channel https://www.youtube.com/c/TFTC21/videos Clips YT Channel https://www.youtube.com/channel/UCUQcW3jxfQfEUS8kqR5pJtQ Website https://tftc.io/ Twitter https://twitter.com/tftc21 Instagram https://www.instagram.com/tftc.io/ Follow Marty Bent: Twitter https://twitter.com/martybent Newsletter https://tftc.io/martys-bent/ Podcast https://tftc.io/podcasts/ Follow Odell: Twitter https://twitter.com/ODELL Newsletter https://tftc.io/the-sat-standard/ Podcast https://citadeldispatch.com/

First thing about winning is you have to win. Chief of Staff Ron Klain says Biden is in perfect health. Pro Hamas folk show up at Kamala event in NYC. Every American's Social Security number, address may have been stolen in hack. Red Hood Cosplay: Coat and Jacket on sale on the Marketplace. Charles Payne talks Inflation. Taliban Parading Our Weapons Left Behind. Kamala Harris Hates Poor People. Once again, KJP and the White House tie Harris to Biden. Our students aren't ready for the future. Columbia University president resigns. Calls for Southport Mayor to resign. Why doesn't the Indiana Women's Action Movement have a comment regarding Hogsett's Creepy Cook. Many believe that we're already in a recession. Can we play Limbaugh's theme music? See omnystudio.com/listener for privacy information.

First thing about winning is you have to win. Chief of Staff Ron Klain says Biden is in perfect health. Pro Hamas folk show up at Kamala event in NYC. Every American's Social Security number, address may have been stolen in hack. Red Hood Cosplay: Coat and Jacket on sale on the Marketplace. Charles Payne talks Inflation.See omnystudio.com/listener for privacy information.

Check out the STACK for links from each show here: http://JustinBarclay.comGet up to $10,000 in free silver with qualified accounts from my new partners at Goldco!Go to http://JustinLikesGold.com to get a free 2024 Gold Kit or call 855.512.GOLD (4653)#goldopartnerTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.comGrab gear in Justin's store http://JustinBarclay.com/storeNo matter what's coming, you can be ready for your family and others. http://PrepareWithJustin.com#adMI Woman Threatened With Prosecution For 'Misleading

Hackers leaked 2.7 billion records from National Public Data, including SSNs. What does this mean for you? Plus, dynamic pricing at grocery stores, Google's new game-changing updates, and Ford's latest 'do not drive' alert. 

On Monday's Mark Levin Show, the media, the Democrat party, and the ruling class that runs this country will do anything to hold on to power. The American republic requires a truly free and honest media. The American media covered up for Woodrow Wilson when he had a stroke, and his wife ran the country. The American media covered up FDR's near-death condition when he ran for an unprecedented 4th term. The American media lied about President Biden's dementia; and now, the American media are lying, smearing, and concealing on behalf of Kamala Harris and Tim Walz. The media have turned JD Vance into Kamala Harris and Kamala Harris into JD Vance. Harris is running the campaign of a dictator - a pretend nomination and a pretend convention. Harris hates women, she's not for women's rights. Harris and Biden have done more to destroy women's sports than any duo in American history. She chose a running mate, Tim Walz, who signed the most extreme gender transition law in America. Later, what has Harris done for the Black community? Harris opposes school choice as every major Democrat does. Every American should be given a choice of where to send their children to school. Also, this election is a reckoning for the American Jew. Will American Jews abandon Israeli Jews and vote for a party that is openly the voice of Hamas and Iran? Will they abandon the Jewish people for their party? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Two minutes. That's all I need here to tell the American people to wake the hell up to the threat that Trump is. Every American voter needs to be reminded about this threat when it comes to Trump. When he loses, he will not accept the loss. And he'll incite violence again. It's coming.

In this episode of the Sweat Equity Podcast®, the hosts Law Smith and Eric Readinger dive into a wide range of topics, from fashion trends and UFOs to comedy show logistics and potential solutions for homelessness. With their signature blend of humor and creativity, they discuss SEO optimization, Doritos-inspired UFOs, and the challenges of live podcast recording. The episode offers insights into the comedy business, the importance of trust and loyalty in the industry, and the hosts' unique approaches to tackling complex social issues. Listeners can expect an entertaining and thought-provoking listen filled with witty banter and innovative ideas.       4:50 How To Identify A Dorito-looking UFO 9:46 How To Produce A Stand Up Comedy Special 18:27 How To Solve Every American City's Homeless Issue       Episode sponsored...  

“Horizon: An American Saga—Chapter 1” is an epic Western that fills the movie screen for three hours, and Jason Whitlock sat through the entire film. That may be the greatest endorsement of a movie ever. Whitlock makes his case for why every American should see the latest work by Kevin Costner. We want to hear from the Fearless Army!! Join the conversation in the show chat, leave a comment or email Jason at FearlessBlazeShow@gmail.com Visit https://TheBlaze.com. Explore the all-new ad-free experience and see for yourself how we're standing up against suppression and prioritizing independent journalism. ​​Today's Sponsors: GOOD RANCHERS Use my code FEARLESS at https://GoodRanchers.com and with your subscription you can claim $100 off plus FREE wagyu burgers for a year while supporting veterans this Independence Day month. It's time to revolt and claim your independence from the grocery store meat aisle. Get 10% off Blaze swag by using code Fearless10 at https://shop.blazemedia.com/fearless Make yourself an official member of the “Fearless Army!” Support Conservative Voices! Subscribe to BlazeTV at https://get.blazetv.com/FEARLESS and get $20 off your yearly subscription. CLICK HERE to Subscribe to Jason Whitlock's YouTube: https://bit.ly/3jFL36G CLICK HERE to Listen to Jason Whitlock's podcast: https://apple.co/3zHaeLT CLICK HERE to Follow Jason Whitlock on Twitter: https://bit.ly/3hvSjiJ Learn more about your ad choices. Visit megaphone.fm/adchoices

Every American who has a mortgage is required by their bank to have homeowners insurance, but getting it and keeping it is becoming a challenge. In this episode, hear the highlights of a Senate hearing examining the problems in the homeowners insurance market and why they might lead to much bigger problems next time disaster strikes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Effects of Climate on Insurance Christopher Flavelle and Mira Rojanasakul. May 13, 2024. The New York Times. Chris Van Hollen et al. September 7, 2023. Chris Van Hollen, U.S. Senator for Maryland. Alice C. Hill. August 17, 2023. Council on Foreign Relations. Insurance Information Institute. Antonio Grimaldi et al. November 19, 2020. McKinsey & Company. Lobbying OpenSecrets. OpenSecrets. OpenSecrets. Heritage Foundation SourceWatch. Demotech William Rabb. April 15, 2024. Insurance Journal. Parinitha Sastry et al. December 2023. Fannie Mae Adam Hayes. May 17, 2023. Investopedia. Hurricanes National Oceanic and Atmospheric Administration. National Oceanic and Atmospheric Administration. Audio Sources Senate Committee on the Budget June 5, 2024 Witnesses: Glen Mulready, Insurance Commissioner, State of Oklahoma Rade Musulin, Principal, Finity Consulting Dr. Ishita Sen, Assistant Professor of Finance, Harvard Business School Deborah Wood, Florida Resident , Research Fellow, Heritage Foundation's Grover Hermann Center for the Federal Budget Clips 23:05 Sen. Sheldon Whitehouse (D-RI): In 2022 and 2023, more than a dozen insurance companies left the Florida residential market, including national insurers like Farmers. Residents fled to Citizens Property Insurance, the state backed insurer of last resort, which ballooned from a 4% market share in 2019 to as much as 17% last year. If it has to pay out claims that exceed its reserves, citizens can levy a surcharge on Florida insurance policy holders across the state. Good luck with that. Particularly if the surcharge grows to hundreds or even thousands of dollars to depopulate its books. Citizens has let private insurers cherry pick out its least risk policies. Those private insurers may have problems of their own, as we will hear today. 25:10 Sen. Sheldon Whitehouse (D-RI): The federal budget takes a hit because these insurers and their policies are accepted by Freddie Mac and Fannie Mae, who either own or guarantee a large part of our $12 trillion mortgage market. This all sounds eerily reminiscent of the run-up to the mortgage meltdown of 2008, including a role of potentially captive or not fully responsible rating agencies. 25:45 Sen. Sheldon Whitehouse (D-RI): Florida is far from alone. A New York Times investigation found that the insurance industry lost money on homeowners coverage in 18 states last year, and the states may surprise you. The list includes Illinois, Michigan, Utah, Washington, and Iowa. Insurers in Iowa lost money each of the last four years. This is a signal that hurricanes and earthquakes, once the most prevalent perils, are being rivaled by hail, windstorms, and wildfires. 28:00 Sen. Sheldon Whitehouse (D-RI): This isn't all that complicated. Climate risk makes things uninsurable. No insurance makes things unmortgageable. No mortgages crashes the property markets. Crashed property markets trash the economy. It all begins with climate risk, and a major party pretending that climate risk isn't real imperils our federal budget and millions of Americans all across the country. 33:45 Sen. Chuck Grassley (R-IA): Insurance premiums are far too high across the board and may increase after the recent storms, including those very storms in my state of Iowa. Climate change isn't the primary driver of insurance rate hikes and collapse of the insurance industry isn't imminent. Although I'll have to say, Iowa had six property and casualty companies pull out of insuring Iowans. Climate change doesn't explain why auto insurance premiums in 2024 have increased by a whopping 20% year over year. It also doesn't account for the consistent failure of liberal cities to fight crime, which has raised insurance risk and even caused insurers to deny coverage. Expensive liberal policies, not climate change, are much to blame for these market dynamics. 39:00 Sen. Sheldon Whitehouse (D-RI): The first witness is Rade Musulin. Rade is an actuary with 45 years of experience in insurance, specializing in property pricing, natural perils, reinsurance, agriculture, catastrophe, risk modeling, public policy development, and climate risk. Specifically, he spent many years working in Florida, including as chair of the Florida Hurricane Catastrophe Fund Advisory Council during the time in which Citizens Property Insurance Corporation was established. 39:35 Sen. Sheldon Whitehouse (D-RI): Our second witness is Dr. Ishida Sen. Dr. Sen is an Assistant Professor at Harvard Business School. Her recent research examines the pricing of property insurance and the interactions between insurance and mortgage markets. This includes the role that institutions and the regulatory landscape play and the broader consequences for real estate markets, climate adaptation, and our overall financial stability. 40:00 Sen. Sheldon Whitehouse (D-RI): Our third witness is Deb Wood. Ms. Wood and her husband Dan McGrath are both retired Floridians. They moved to South Florida in 1979 and lived in Broward County, which includes Fort Lauderdale for 43 years until skyrocketing insurance premiums became too much. They now reside in Tallahassee, Florida. 40:35 Sen. Chuck Grassley (R-IA): Dr. EJ Antoni is a Research Fellow at the Heritage Foundation Grover M. Hermann Center for the Federal Budget. His research focuses on fiscal and monetary policy, and he previously was an economist at the Texas Public Policy Foundation. Antoni earned his Master's degree and Doctor's degree in Economics from Northern Illinois University. 41:10 Sen. Chuck Grassley (R-IA): Commissioner Glen Mulready has served as Oklahoma's 13th Insurance Commissioner and was first elected to this position in 2019. Commissioner Mulready started his insurance career as a broker in 1984, and also served in the Oklahoma State House of Representatives. 42:15 Rade Musulin: Okay. My name is Ray Muslin. I'm an actuary who has extensive experience in natural hazard risks and funding arrangements for the damage and loss they cause. I've worked with many public sector entities on policy responses to the challenges of affordability, availability of insurance, and community resilience. This work included participating in Florida's response to Hurricane Andrew, which included the creation of the Florida Hurricane Catastrophe Fund and Citizens Property Insurance Corporation. The Cat Fund and Citizens can access different forms of funding than traditional insurance companies. Instead of holding sufficient capital or reinsurance before an event to cover the cost of potential losses, both entities use public sources of capital to reduce upfront costs by partially funding losses post-event through bonding and assessments. All property casualty insurance policy holders, whether in Citizens or not, are subject to its assessments. While the Cat Fund can also assess almost all policies, including automobile, this approach exposes Floridians to debt and repayment if large losses occur, and it subsidizes high risk policies from the entire population. These pools, others like them in other states, and the NFIP have contributed to rapid development in high risk areas driving higher costs in the long run. In Florida, national insurers have reduced their exposure as a significant proportion of the insurance market has moved to Citizens or smaller insurers with limited capital that are heavily dependent on external reinsurance. To date, Florida's system has been successful in meeting its claims obligations, while improvements in building codes have reduced loss exposure. However, for a variety of reasons, including exposure to hurricanes, claims cost inflation, and litigation, Florida's insurance premiums are the highest in the nation, causing significant affordability stress for consumers. According to market research from Bankrate, the average premium for a $300,000 home in Florida is three times the national average, with some areas five times the national average. A major hurricane hitting a densely populated area like Miami could trigger large and long lasting post-event assessments or even exceed the system's funding capacity. Continued rapid exposure growth and more extreme hurricane losses amplified by climate change will cause increasing stress on the nation's insurance system, which may be felt through solvency issues, non-renewals, growth of government pools, and affordability pressure. 44:55 Rade Musulin: Evidence of increasing risk abounds, including Hurricane Otis in 2023, which rapidly intensified from a tropical storm to a cat. five hurricane and devastated Acapulco in Mexico last summer. Water temperatures off Florida exceeded a hundred degrees Fahrenheit last week. As was alluded to earlier, NOAA forecast an extremely active hurricane season for '24. We've seen losses in the Mid-Atlantic from Sandy, record flooding from Harvey, and extreme devastation from Maria, among others. In coming decades, we must prepare for the possibility of more extreme hurricanes and coastal flooding from Texas to New England. 46:50 Dr. Ishita Sen: Good morning Senators. I am Ishita Sen, Assistant Professor at Harvard Business School and my research studies insurance markets. In recent work with co-authors at Columbia University and the Federal Reserve Board, I examine how climate risk creates fiscal and potentially financial instability because of miscalibrated insurer screening standards and repercussions to mortgage markets. 47:15 Dr. Ishita Sen: Insurance is critical to the housing market. Property insurers help households rebuild after disasters by preserving collateral values and reducing the likelihood that a borrower defaults. Insurance directly reduces the risks for mortgage lenders and the Government-Sponsored Enterprises (GSEs) such as Fannie Mae and Freddie Mac Mortgage Lenders therefore require property insurance and the GSEs only purchase mortgages backed by insurers who meet minimum financial strength ratings, which measure insurer solvency and ability to pay claims. The GSEs accept three main rating agencies AM Best, S & P and, more recently, Demotech. And to provide an example, Fannie Mae requires insurers to have at least a B rating from AM Best, or at least an A rating from Demo Tech to accept a mortgage. Now, despite having this policy in place, we find a dramatic rise in mortgages backed by fragile insurers and show that the GSEs and therefore the taxpayers ultimately shoulder a large part of the financial burden. Our research focuses on Florida because of availability of granular insurance market data, and we show that traditional insurers are exiting and the gap is rapidly being filled by insurers, rated by Demotech, which has about 60% market share in Florida today. These insurers are low quality across a range of different financial and operational metrics, and are at a very high risk of becoming insolvent. But despite their risk, these insurers secure high enough ratings to meet the minimum rating requirements set by the GSEs. Our analysis shows that many actually would not be eligible under the methodologies of other rating agencies, implying that in many cases these ratings are inflated and that the GSEs insurer requirements are miscalibrated. 49:20 Dr. Ishita Sen: We next look at how fragile insurers create mortgage market risks. So in the aftermath of Hurricane Irma, homeowners with a policy from one of the insolvent Demotech insurers were significantly more likely to default on their mortgage relative to similar borrowers with policies from stable insurers. This is because insurers that are in financial trouble typically are slower to pay claims or may not pay the full amounts. But this implies severe economic hardships for many, many Floridians despite having expensive insurance coverage in place. However, the pain doesn't just stop there. The financial costs of fragile insurers go well beyond the borders of Florida because lenders often sell mortgages, for example, to the GSEs, and therefore, the risks created by fragile insurers spread from one state to the rest of the financial system through the actions of lenders and rating agencies. In fact, we show two reasons why the GSEs bear a large share of insurance fragility risk. First is that lenders strategically securitize mortgages, offloading loans backed by Demotech insurers to the GSEs in order to limit their counterparty risk exposures. And second, that lenders do not consider insurer risk during mortgage origination for loans that they can sell to the GSEs, even though they do so for loans that they end up retaining, indicating lax insurer screening standards for loans that can be offloaded to the GSEs. 50:55 Dr. Ishita Sen: Before I end, I want to leave you with two numbers. Over 90%. That's our estimate of Demotech's market share among loans that are sold to the GSEs. And 25 times more. That's Demotech's insolvency rate relative to AM Best, among the GSE eligible insurers. 57:15 Glen Mulready: As natural disasters continue to rise, understanding the dynamics of insurance pricing is crucial for both homeowners and policymakers. Homeowners insurance is a fundamental safeguard for what is for many Americans their single largest asset. This important coverage protects against financial loss due to damage or destruction of a home and its contents. However, recent years have seen a notable increase in insurance premiums. One significant driver of this rise is convective storms and other severe weather events. Convective storms, which include phenomena like thunderstorms, tornadoes, and hail, have caused substantial damage in various regions. The cost to repair homes and replace belongings after such events has skyrocketed leading insurance companies to adjust their premiums to cover that increased risk. Beyond convective storms, we've witnessed hurricanes, wildfires, and flooding. These events have not only caused damage, but have also increased the long-term risk profile of many areas. Insurance companies are tasked with managing that risk and have responded by raising premiums to ensure they can cover those potential claims. 58:30 Glen Mulready: Another major factor influencing homeowner's insurance premiums is inflation. Inflation affects the cost of building materials, labor, and other expenses related to home repair and reconstruction. As the cost of living increases, so does the cost of claims for insurers. When the price of lumber, steel, and other essential materials goes up, the expense of repairing or rebuilding homes also rises. Insurance companies must reflect these higher costs in their premiums to maintain financial stability and ensure they can meet those contractual obligations to policyholders. 59:35 Glen Mulready: I believe the most essential aspect of managing insurance premiums is fostering a robust, competitive free market. Competition among insurance companies encourages innovation and efficiency, leading to better pricing and services for consumers. When insurers can properly underwrite and price for risk, they create a more balanced and fair market. This involves using advanced data analytics and modeling techniques to accurately assess the risk levels of different properties. By doing so, insurance companies can offer premiums that reflect the true risk, avoiding excessive charges for low risk homeowners, and ensuring high risk properties are adequately covered. Regulation also plays a crucial role in maintaining a healthy insurance market. Policyholders must strike a balance between consumer protection and allowing insurers the freedom and flexibility to adjust their pricing based on the risk. Overly stringent regulations can stifle competition and lead to market exits, reducing choices for consumers. We've seen this play out most recently in another state where there were artificial caps put in place on premium increases that worked well for consumers in the short term, but then one by one, all of the major insurers began announcing they would cease to write any new homeowners insurance in that state. These are all private companies, and if there's not the freedom and flexibility to price their products properly, they may have to take drastic steps as we've seen. Conversely, a well-regulated market encourages transparency and fairness, ensuring that homeowners have access to the most affordable and adequate coverage options. 1:02:00 Dr. EJ Antoni: I'm a public finance economist and the Richard F. Aster fellow at the Heritage Foundation, where I research fiscal and monetary policy with a particular focus on the Federal Reserve. I am also a senior fellow at the Committee to Unleash Prosperity. 1:02:15 Dr. EJ Antoni: Since January 2021, prices have risen a cumulative 19.3% on average in the American economy. Construction prices for single family homes have risen much faster, up 30.5% during the same time. 1:03:20 Dr. EJ Antoni: Actuarial tables used in underwriting to estimate risk and future losses, as well as calculate premiums, rely heavily on those input costs. When prices increase radically, precisely as has happened over the last several years, old actuarial tables are of significantly less use when pricing premiums because they will grossly understate the future cost to the insurer. The sharp increase in total claim costs since 2019 has resulted in billions of dollars of losses for both insurers and reinsurers prompting large premium increases to stop those losses. This has put significant financial stress on consumers who are already struggling with a cost of living crisis and are now faced with much higher insurance premiums, especially for homeowners insurance. 1:05:10 Dr. EJ Antoni: The increase in claims related to weather events has undoubtedly increased, but it is not due to the climate changing. This is why the insurance and reinsurance markets do not rely heavily on climate modeling when pricing premiums. Furthermore, climate models are inherently subjective, not merely in how the models are constructed, but also by way of the inputs that the modeler uses. In other words, because insufficient data exists to create a predictive model, a human being must make wide ranging assumptions and add those to the model in place of real world data. Thus, those models have no predictive value for insurers. 1:07:40 Sen. Sheldon Whitehoue (D-RI): You say that this combination of demographics, development, and disasters poses a significant risk to our financial system. What do you mean by risk to our financial system Rade Musulin: Well, Senator, if you look at the combination, as has been pointed out, of high growth and wealth accumulation in coastal areas, and you look at just what we've observed in the climate, much less what's predicted in the future, there is significant exposure along the coastline from Maine to Texas. In fact, my family's from New Jersey and there is enormous development on the coast of New Jersey. And if we start to get major hurricanes coming through those areas, the building codes are probably not up to the same standards they are in Florida. And we could be seeing some significant losses, as I believe was pointed out in the recent Federal Reserve study. Sen. Sheldon Whitehoue (D-RI): And how does that create risk to the financial system? Rade Musulin: Well, because it's sort of a set of dominoes, you start with potentially claims issues with the insurers being stressed and not able to pay claims. You have post-event rate increases as we've seen in Florida, you could have situations where people cannot secure insurance because they can't afford it, then that affects their mortgage security and so on and so forth. So there are a number of ways that this could affect the financial system, sir. Sen. Sheldon Whitehoue (D-RI): Cascading beyond the immediate insurer and becoming a national problem. Rade Musulin: Well, I would just note Senator, that in Florida, the real problems started years after we got past Andrew. We got past paying the claims on Andrew, and then the big problems occurred later when we tried to renew the policies. 1:10:50 Sen. Sheldon Whitehouse (D-RI): And you see in this, and I'm quoting you here, parallels in the 2008 financial crisis. What parallels do you see? Dr. Ishita Sen: So just like what happened during the financial crisis, there were rating agencies that gave out high ratings to pools of mortgages backed by subprime loans. Here we have a situation where rating agencies like Demotech are giving out inflated ratings to insurance companies. The end result is sort of the same. There is just too much risk and too many risky mortgages being originated, in this case backed by really low quality insurers that are then entering the financial system. And the consequences of that has to be born by, of course the homeowners, but also the mortgage owners, GSCs (Government Sponsored Enterprises), the lenders, and ultimately the federal and state governments. Sen. Sheldon Whitehouse (D-RI): You say, this will be my last question. The fragility of property insurers is an important channel through which climate risk might threaten the stability of mortgage markets and possibly the financial system. What do you mean when you refer to a risk to the financial system? Dr. Ishita Sen: Well, as I was explaining the GSEs, if there are large losses that the GSEs face, then those losses have to be plugged by somebody. So the taxpayers, that's one channel through which you've got risk to the financial system and the GSE's serve as a backstop in the mortgage market. They may not have the ability or capacity to do so in such a scenario, which affects mortgage backed security prices, which are held by all sorts of financial institutions. So that starts affecting all of these institutions. On the other hand, if you've got a bunch of insurers failing, another channel is these insurers are one of the largest investors in many asset classes like corporate bonds, equities, and so on. And they may have to dump these securities at inopportune times, and that affects the prices of these securities as well. 1:12:45 Sen. Chuck Grassley (R-AI): Dr. Antoni, is there any evidence to support the notion that climate change is the greatest threat to the insurance market? Dr. EJ Antoni: No. Senator, there is not. And part of that has to do again, with the fact that when we look at the models that are used to predict climate change, we simply don't have enough empirical data with which we can input into those models. And so as a result of that, we have to have human assumptions on what we think is going to happen based essentially on a guess. And as a result of that, these models really are not of any predictive value, and that's why these models for the last 50 years have been predicting catastrophic outcomes, none of which have come true. 1:14:45 Glen Mulready: This focus on the rating agencies, I would agree with that if that were the be all end all. But the state insurance commissioners in each 50 states is tasked with the financial solvency of the insurance companies. We do not depend on rating agencies for that. We are doing financial exams on them. We are doing financial analysis every quarter on each one of them. So I would agree if that was the sort of be all end all, forgive that phrase, but it's not at all. And we don't depend very much at all on those rating agencies from our standpoint. 1:22:15 Dr. Ishita Sen: On the point about regulators looking at -- rating agencies is not something that we need to look at. I would just point out that in Florida, if you look at the number of exams that the Demotech rated insurers, that by the way have a 20% insolvency rate relative to 0% for traditional insurers, they get examined at the same rate as the traditional insurers like Farmers and AllState get examined, which is not something that you would expect if you're more risky. You would expect regulators to come look at them much, much more frequently. And the risk-based capital requirements that we have currently, which were designed in the 1980s, they're just not sensitive enough to new risks like wildfire and hurricanes and so on. And also not as well designed for under-diversified insurance companies because if so, all of these insurers were meeting the risk-based capital requirements, however, at the same time going insolvent at the rate of 20%. So those two things don't really go hand in hand. 1:23:25 Dr. Ishita Sen: Ultimately what the solution is is something that is obviously the main question that we are here to answer, but I would say that it is extremely hard to really figure out what the solution is, in part because we are not in a position right now to even answer some basic facts about how big the problem is, what exactly the numbers look like. For instance, we do not know basic facts about how much coverage people have in different places, how much they're paying. And when I say we don't know, we don't know this at a granular enough level because the data does not exist. And the first step towards designing any policy would be for us to know exactly how bad the problem is. And then we come up with a solution for that and start to evaluate these different policy responses. Right now we are trying to make policy blindfolded. 1:23:50 Sen. Ron Johnson (R-WI): So we've had testimony before this committee that we've already spent $5-6 trillion. That's 5,000 to 6,000 billion dollars trying to mitigate climate change. We haven't made a dent in it. Their estimates, it's going to cost tens of trillions of dollars every year to reach net zero. So again, this is not the solution for a real problem, which is the broken insurance market. I have enough Wisconsin residents who live on the Gulf Coast in Florida to know after Hurricane Ian, you got some real problems in Florida. But fixing climate change isn't the solution. 1:33:15 Sen. Jeff Merkley (D-OR): In looking at the materials I saw that Citizens Property Insurance Company, I gather that's Louisiana and Florida, that have a completely state backed program. Well, alright, so if the state becomes the insurer of last resort and they now suffer the same losses that a regular private insurance company is suffering, now the folks in the state are carrying massive debt. So that doesn't seem like a great solution. Dr. Ishita Sen: That's definitely a problem, right? The problem is of course, that whether the state then has the fiscal capacity to actually withstand a big loss, like a big hurricane season, which is a concern that was raised about Citizens. And in such a scenario then in a world where they do not have enough tax revenue, then they would have to go into financial markets, try to borrow money, which could be very costly and so on. So fiscally it's going to be very challenging for many cities and many municipalities and counties and so on. 1:36:40 Sen. Mitt Romney (R-UT): I wish there were something we could do that would reduce the climate change we're seeing and the warming of the planet. But I've seen absolutely nothing proposed by anyone that reduces CO2 emissions, methane gases and the heating of the planet. Climate change is going to happen because of the development in China and Indonesia and Brazil, and the only thing that actually makes any measurable impact at all is putting a price on carbon, and no one seems to be willing to consider doing that. Everything else that's being talked about on the climate — Democratic Senator: I got two bills. Sen. Mitt Romney (R-UT): I know you and I are, but you guys had reconciliation. You could have done it all by yourselves and you didn't. So the idea that somehow we're going to fix climate and solve the insurance problem is pie in the sky. That's avoiding the reality that we can't fix climate because that's a global issue, not an American issue. Anyway, let me turn back to insurance. 1:38:30 Sen. Mitt Romney (R-UT): So the question is, what actions can we take? Fiscal reform? Yes, to try and deal with inflation. Except I want to note something, Mr. Antoni, because you're esteemed at the Heritage Foundation. 72% of federal spending is not part of the budget we vote on. So we talk about Biden wants to spend all this.... 72% we don't vote on; we only vote on 28%. Half of that is the military. We Republicans want more military spending, not less. So that means the other 14%, which the Democrats want to expand, there's no way we can reduce the 14% enough to have any impact on the massive deficits we're seeing. So there's going to have to be a broader analysis of what we have to do to reign in our fiscal challenges. I just want to underscore that. I would say a second thing we can do, besides fiscal reform and dealing with inflation, is stopping subsidizing high risk areas. Basically subsidizing people to build expensive places along the coast and in places that are at risk of wildfire. And we subsidize that and that creates huge financial risk to the system. And finally, mitigation of one kind or another. That's the other thing we can do is all sorts of mitigation: forestry management, having people move in places that are not high risk. But if you want to live in a big house on the coast, you're gonna have to spend a lot of money to insure it or take huge risk. That's just the reality. So those are the three I come up with. Stop the subsidy, mitigation, and fiscal reform. What else am I missing, Mr. Musulin? And I'm just going to go down the line for those that are sort of in this area to give me your perspectives. Rade Musulin: Well, thank you, Senator. And I'd agree with all those things. And I'd also add that we need to start thinking about future-proofing our building codes and land use policies. The sea levels are rising. If you're going to build a house that's supposed to last 75 years, you ought to be thinking about the climate in 75 years when you give somebody a permit to build there. So I'd say that's important. I'd also say that large disasters also drive inflation because it puts more pressure and demand on labor and materials. More disasters means supplies that could have been used to build new homes for Americans or diverted to rebuild homes in the past. So certainly doing things to reduce the vulnerability of properties and improve their resilience is important. And I do think, sir, that there are things we can do about climate change with respect over periods of decades that can make a difference in the long run. Thank you. Sen. Mitt Romney (R-UT): Thank you. Yes. Dr. Ishita Sen: So before that, the one point about inflation that we are missing, which is without doubt it is a contributing factor, but the US has had inflation in the past without such an acute crisis in insurance markets. So whether that is the biggest cause or not is up for debate. I don't think we have reached a conclusion on inflation being the biggest contributor of rising insurance cost. Sen. Mitt Romney (R-UT): It's just a big one. You'd agree It's a big one? Dr. Ishita Sen: I agree. It's a big one, but I wouldn't say it's the biggest one in terms of policy solutions. I completely agree with you on, we need to stop subsidizing building in high risk areas. That's definitely one of the things we need to do that. Mitigation, another point that you bring up. And on that, I would say not only do we need to harden our homes, but we also need to harden our financial institutions, our banks, and our insurance companies in order to make them withstand really large climate shocks that are for sure coming their way. Sen. Mitt Romney (R-UT): Thank You, Ms. Wood. I'm going to let you pass on this just because that's not your area of expertise. Your experience was something which focused our thinking today. Mr. Mulready. Glen Mulready: Thank you, Senator. I would say amen to your comments, but I'll give you three quick things. Number one, FEMA has a survey out that states that every $1 spent in mitigation saves $6 in lost claims. It pays off. Number two, unfortunately, a lot of communities have to have a disaster happen. In Moore, Oklahoma, back a dozen years ago, an EF5 (tornado) hit, it was just totally devastating. After that, the city of Moore changed their zoning, they changed their building zoning codes, and then third, the city of Tulsa, back in the eighties, had horrible flooding happened. So they invested over decades in infrastructure to prevent flooding. Now we're one of only two communities in the country that are Class one NFIP rated. 1:45:40 Sen. Chris Van Hollen (D-MD): One way to address this, and I think it was discussed in a different matter, is the need to get the data and to get consensus on where the risks lie, which is why last year Senator Whitehouse, Senator Warren and I sent a letter to the Treasury Department, to the Federal Insurance Office (FIO), urging them to collect information from different states. I'm a supporter of a state-based insurance system for property and casualty insurance, but I do think it would benefit all of us to have a sort of national yardstick against which we can measure what's happening. So Dr. Sen, could you talk a little bit about the benefit of having a common source of insurance data through the FIO and how that could benefit state regulators and benefit all of us? Dr. Ishita Sen: Yeah, absolutely. Thanks for bringing that up. That's just the first order importance, I think, because we don't even know the basic facts about this problem at a granular enough level. The risks here are local, and so we need to know what's going zip code-by-zip code, census tract-by-census tract, and for regulators to be able to figure out exactly how much risk is sitting with each of these insurance companies they need to know how much policies they're writing, what's the type of coverage they're selling in, what are the cancellations looking like in different zip codes. Only then can they figure out exactly how exposed these different insurers are, and then they can start designing policy about whether the risk-based capital ratios look alright or not, or should we put a surcharge on wildfires or hurricanes and so on? And we do need a comprehensive picture. We just can't have a particular state regulator look at the risks in that state, because of course, the insurer is selling insurance all over the country and we need to get a comprehensive picture of all of that. 1:47:40 Sen. Chris Van Hollen: I appreciate that. I gather that the Treasury Department is getting some resistance from some state insurance regulators. I hope we can overcome that because I'm not sure why anyone would want to deny the American people the benefit of the facts here. 1:48:45 Rade Musulin: I will just note that sometimes climate change itself can contribute to the inflation we've been talking about. For example, there were beetle infestations and droughts and fires in Canada, which decimated some of the lumber crop and led to a fivefold increase in the cost of lumber a few years ago. So some of this claims inflation is actually related to climate change, and I think we need to address that. 1:49:35 Glen Mulready: If you didn't know, the NAIC, National Association of Insurance Commission is in the midst of a data collection right now that will collect that data for at least 80% of the homeowner's market. And we have an agreement with FIO (Federal Insurance Office) to be sharing that data with them. They originally came to us, I got a letter from FIO and they were requesting data that we did not actually collect at the zip code level, and they had a very stringent timeline for that. So my response, it wasn't, no, it was just, look, we can't meet that timeline. We don't collect that today. We can in the future. But from that is where this has grown the data called by the NEIC. Sen. Chris Van Hollen (D-MD): So I appreciate, I saw that there had been now this effort on behalf of the....So has this now been worked out? Are there any states that are objecting, to your knowledge at this point in time, in terms of sharing data? Glen Mulready: I don't know about specific states. We will be collecting data that will represent at least 80% of the market share. Music by Editing Production Assistance