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Freakonomics Radio
667. Here's Why You Are Constantly Fighting Off Scammers

Freakonomics Radio

Play Episode Listen Later Mar 13, 2026 47:01


A ruthless (and ruthlessly efficient) industry is using digital tools to supercharge one of the world's oldest behaviors. We look at how the industry works, and ask the scam-fighters what they're doing about it.   SOURCES: Kati Daffan, former assistant director at the Federal Trade Commission's Division of Marketing Practices. Marti DeLiema, assistant professor of social work at the University of Minnesota. Mark Frank, professor of communications at the University at Buffalo.   RESOURCES: "Cambodian Scam Tycoon Wanted by U.S. Extradited to China," by Gabriele Steinhauser (Wall Street Journal, 2026). "The Rise and Fall Of Accused Cambodian Scam Kingpin Chen Zhi," by Low De Wei (Bloomberg, 2026). "Protecting Older Consumers 2024-2025," by the Federal Trade Commission (2025). "Meta is earning a fortune on a deluge of fraudulent ads, documents show," by Jeff Horwitz (Reuters, 2025). "Exposed to Scams: What Separates Victims from Non-victims?," by Marti DeLiema, Emma Fletcher, Christine Kieffer, Gary Mottola, Rubens Pessanha, and Melissa Trumpower (Stanford Center on Longevity, 2019). "Why do Nigerian Scammers Say They are from Nigeria?," by Cormac Herley (Microsoft Research, 2016). Thinking, Fast and Slow, by Daniel Kahneman (2013). FTC Fraud Reporting Portal. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Dallas Morning News
In closing arguments, attorneys spar over motive in violent Prairieland ICE protest ... and more news

The Dallas Morning News

Play Episode Listen Later Mar 12, 2026 5:51


The arguments capped the two-week trial stemming from the July 4 protest last year in which an Alvarado police officer was shot and wounded. Jury deliberations will begin Thursday.  In other news, customers of Invitation Homes, a Dallas-based single-family home landlord, could get a piece of a $47.2 million settlement the Federal Trade Commission announced on Wednesday; a development in southern Dallas is a finalist for a competition hosted by Elon Musk's The Boring Company. Hoque Global's University Hills project is among 16 other finalists for the drilling company's plan to construct a mile-long tunnel; and Rep. Marc Veasey is urging Major League Baseball and the Texas Rangers to remove a recently installed statue at the team's ballpark that he says honors a law enforcement officer linked to segregation-era resistance to school integration. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Hormone P.U.Z.Z.L.E Podcast
How Movement Supports Fertility Naturally with Marta Han and Zsofia Jamieson

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Mar 10, 2026 52:27


In episode #428 of The Hormone Puzzle Podcast, our guest, Marta Han and Zsofia Jamieson, talk about How Movement Supports Fertility Naturally. More about Marta and Zsofia: Marta Han is a health coach, yoga teacher, and certified Aviva Method instructor. After navigating infertility and hormonal imbalance, she restored her wellbeing naturally through movement, nutrition, and holistic practices. With over a decade of experience, she helps women reconnect with their bodies, balance hormones, and support fertility naturally. Zsofia Jamieson is a certified Aviva Method teacher, entrepreneur, and former fashion executive. Diagnosed with severe PCOS as a teenager and told she might never conceive, she healed naturally through movement and nutrition. After leading global strategy for brands like Net-A-Porter, she introduced the Aviva Method from Hungary to the UK and US. Today, she dedicates her work to helping women worldwide reconnect with their bodies and reproductive health. Thank you for listening! This episode is brought to you in partnership with Puzzle Balm Tallow Lotion - https://hormonepuzzlesociety.com/tallow-lotion Follow Marta and Zsofia on Instagram: @‌thefertilityclass Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

Keen On Democracy
How to Reclaim the Internet: Olivier Sylvain on Platforms and Policy

Keen On Democracy

Play Episode Listen Later Mar 8, 2026 43:05


“The fatal error is ours. Legislators set out a regulatory regime that keeps regulation at bay. The only other industry with a similar protection is the gun industry.” — Olivier SylvainThere are certain words in book titles that provoke. “Reclaiming”, for example. My guest today is happy to defend the provocation. Fordham law professor and former FTC senior advisor Olivier Sylvain argues in his new book, Reclaiming the Internet, that the internet was never really ours to begin with—and that the story about user control, free speech, and digital democratisation was always more nostalgia than reality.But Sylvain's argument in Reclaiming the Internet: How Big Tech Took Control—and How We Can Take It Back is not the usual big-tech-is-bad narrative (yawn). He doesn't blame the companies. He blames us—or rather, Congress. The fatal error, he says, was Section 230 of the Communications Decency Act, passed in 1996, which created a blanket immunity from liability for companies trafficking in user-generated content. The only other industry with comparable legal protection, he says, is the gun industry. That immunity enabled the attention economy's business model. Infinite scrolling = infinite advertising = infinite profit.What follows from that error is now everywhere: autoplay, algorithmic recommendation—design features engineered to hold your attention, not to facilitate free speech. Sylvain insists these companies aren't really platforms. They are, instead, services delivering content pursuant to their bottom line. And now the same Nineties playbook—innovation, user control, free speech—is being replayed with AI. Companies are deploying chatbots before they're ready, racing each other to market. A young man killed himself after a Gemini chatbot told him to and Google invoked the First Amendment in its defence.The fix, Sylvain argues, is not to abolish Section 230 but to attend to the business model itself: data minimisation, purpose limitations, and the kind of product-safety regulation that every other industry—from automobiles to toys to food—already accepts. I should disclose that my wife runs litigation at Google, so I'm all too familiar with the counter argument. But Sylvain makes a persuasive case even if his reclamation project is still a little too Rousseauean for my Hobbesian taste. Five Takeaways•       The Fatal Error Was Ours, Not Theirs: Sylvain doesn't blame big tech. He blames us—or rather, Congress. Section 230 of the Communications Decency Act created a blanket immunity from liability for user-generated content. The only other industry with comparable protection is the gun industry. That legal shield became the business model.•       These Are Not Platforms: The word “platform” implies a neutral conduit connecting users. Sylvain says that's wrong. These are companies engineering your experience—infinite scroll, autoplay, algorithmic recommendation—to hold your attention and serve their bottom line. The free speech story is cover for a commercial design.•       The Same Mistake Is Happening with AI: The nineties playbook—innovation, user control, free speech—is being replayed with AI. Companies are deploying chatbots before they're ready, racing each other to market. Internal documents show they knew the dangers. A young man committed suicide after Gemini told him to. Google invoked the First Amendment in its defence.•       Data Protection Is the Real Fix: Sylvain argues for data minimisation and purpose limitations—rules that would only allow companies to collect information consistent with the purposes a consumer signed up for. Not to monetise it for opaque reasons. That would dampen the incentive to engineer addiction without touching free speech.•       There's a Bipartisan Consensus—but Only for Children: Something is shifting. Courts are rejecting Section 230 defences. Legislators on both sides agree something must be done. But the consensus only extends to protecting children. Sylvain thinks that's a mistake: a 36-year-old man just killed himself after talking to a chatbot. Adults are vulnerable too. About the GuestOlivier Sylvain is a professor of law at Fordham University, a former senior advisor to the Chair of the Federal Trade Commission, and a Senior Policy Research Fellow at Columbia University's Knight First Amendment Institute. His new book is Reclaiming the Internet: How Big Tech Took Control—and How We Can Take It Back (Columbia Global Reports).ReferencesReferences and previous Keen On episodes:•       Section 230 of the Communications Decency Act (1996) and its evolution into blanket immunity for tech companies•       Gonzales v. Google (2023)—the Supreme Court case that declined to rule on Section 230 but allowed the merits to proceed•       The Character AI / Gemini chatbot suicide cases—ongoing litigation against Google•       Tim Wu on the extractive economics of platform capitalism — previous Keen On episode•       Julia Angwin, Zephyr Teachout, and Stewart Brand—referenced in the conversationAbout Keen On AmericaNobody asks more awkward questions than the Anglo-American writer and filmmaker Andrew Keen. In Keen On America, Andrew brings his pointed Transatlantic wit to making sense of the United States—hosting daily interviews about the history and future of this now venerable Republic. With nearly 2,800 episodes since the show launched on TechCrunch in 2010, Keen On America is the most prolific intellectual interview show in the history of podcasting.WebsiteSubstackYouTubeApple PodcastsSpotify Chapters:(00:00) - Introduction: What does “reclaiming” the Internet mean? (03:06) - The layered stack: pipes, platforms, and consumer-facing apps (06:01) - Was user control ever real? The ideology of the nineties (09:32) - The fatal error: Section 230 and blanket immunity (14:51) - Facebook as punching bag—and why Sylvain doesn't blame the companies (17:31) - Addiction, self-harm, and the design features that hold your attention (22:00) - The attention economy and the Gonzales v. Google case (26:35) - How we can take it back: data minimization and purpose limitations (29:02) - “These are not platforms” (31:21) - Europe, the First Amendment, and the right to be forgotten (33:06) - AI business ...

Project 2025: The Ominous Specter
Project 2025: Heritage Foundation's 900-Page Blueprint to Reshape Federal Government and Expand Presidential Power

Project 2025: The Ominous Specter

Play Episode Listen Later Mar 7, 2026 3:39 Transcription Available


Project 2025 began not with a bill in Congress, but with a 900‑plus page playbook assembled by the Heritage Foundation and allied conservative groups, billed as a roadmap for the next Republican president. Heritage calls it a plan to “take back our government from the deep state,” while critics describe it as a bid to, in the words of the National Federation of Federal Employees, “destroy the administrative state” and replace it with loyalists.At the heart of the project is a personnel revolution. The blueprint urges reinstating and vastly expanding “Schedule F,” a Trump‑era job category that would let presidents reclassify tens of thousands of career civil servants as at‑will employees. According to an analysis by the Center for American Progress, one architect of the original order, James Sherk, projected roughly 50,000 positions could lose civil service protections. Advocates argue this would “ensure the President's policies are faithfully executed.” Opponents warn it would allow mass firings based on ideology, undermining neutral expertise in law enforcement, public health, and regulation.The document does not stop at staffing. It zeroes in on independent agencies that Congress designed to be insulated from day‑to‑day political pressure. In Project 2025's own terms, these are “so‑called independent agencies.” Chapters urge giving the president power to remove commissioners at will and subject their rules to aggressive White House review. Analysts at the Center for American Progress note that this could let a future president pressure the Federal Communications Commission on media licenses or keep the Federal Trade Commission from issuing rules like its recent ban on most noncompete clauses.Concrete agency changes are spelled out in vivid detail. A chapter on the Department of Energy recommends outsourcing core analytical work of the Energy Information Administration to private contractors, a move Boston Review warns could turn basic energy data into an ideological battleground. At the Environmental Protection Agency, Project 2025 proposes ending the role of career staff in awarding hundreds of millions in grants and handing that power to a single political appointee. The Health and Human Services chapter calls for steering teen pregnancy prevention funds toward abstinence‑only programs, reversing a decade of evidence‑based grantmaking.Running through the plan is a view of presidential power sometimes called the “unitary executive theory.” According to the American Civil Liberties Union, Project 2025 would concentrate control of the Justice Department in the White House, prioritizing an attorney general “above all loyal to the President” and easing the removal of officials who resist politically driven investigations.Supporters frame these ideas as a long‑overdue correction to an unaccountable bureaucracy. Critics, including nonpartisan legal scholars, warn that neutral guardrails like Senate confirmation, independent data, and protected civil servants are what keep any president from becoming an “imperial” figure.With the next election cycle underway, Project 2025 now functions as both a governing manual and a political litmus test. Candidates are being pressed to endorse, amend, or reject its proposals. The real test, though, will come if a future administration tries to turn this blueprint into executive orders, agency reorganizations, and real‑world firings.Thanks for tuning in, and come back next week for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.aiThis content was created in partnership and with the help of Artificial Intelligence AI

Minimum Competence
Legal News for Thurs 3/5 - SCOTUS Allows NJ Transit Injury Suits, State Crackdowns on Algorithmic Pricing, Federal Workforce Down 12% Since 2024

Minimum Competence

Play Episode Listen Later Mar 5, 2026 6:23


This Day in Legal History: Boston MassacreOn March 5, 1770, a confrontation between British soldiers and American colonists in Boston turned deadly in what became known as the Boston Massacre. Tensions had been rising for months as British troops occupied the city to enforce parliamentary taxes that many colonists believed were unjust. On that evening, a crowd gathered near the Boston Custom House and began taunting a British sentry, shouting insults and throwing snowballs and debris. As the situation escalated, additional soldiers arrived to support the guard, but the crowd continued to press in. In the confusion and fear of the moment, the soldiers fired into the crowd. Five colonists were killed and several others were wounded, including Crispus Attucks, who is often remembered as the first casualty of the American Revolution.The incident quickly became a flashpoint in colonial politics, with patriot leaders using it as evidence of British tyranny. Yet the legal response that followed was notable for its commitment to due process despite intense public anger. British Captain Thomas Preston and eight soldiers were arrested and charged with murder. Future president John Adams agreed to defend the soldiers, arguing that the rule of law required even deeply unpopular defendants to receive a fair trial. During the proceedings, Adams emphasized the evidence suggesting the soldiers had been surrounded and threatened by a hostile crowd. The jury ultimately acquitted six soldiers and convicted two of the lesser charge of manslaughter.The trials demonstrated an early American commitment to the principle that legal judgments should be guided by evidence rather than public pressure, even during moments of political upheaval.The U.S. Supreme Court ruled that New Jersey cannot use sovereign immunity to protect New Jersey Transit from personal injury lawsuits filed by riders injured outside the state. The unanimous opinion, written by Sonia Sotomayor, resolved a conflict between the Pennsylvania Supreme Court and the New York Court of Appeals over whether the transit agency qualifies as an “arm of the state.” The dispute arose from two lawsuits filed by passengers injured in NJ Transit bus crashes that occurred outside New Jersey.The justices focused heavily on how the agency was structured. During oral argument, several members of the Court questioned why New Jersey created NJ Transit as a corporation with the ability to sue and be sued while also disclaiming responsibility for its debts. Some justices suggested those design choices undermined the state's argument that the agency should receive sovereign immunity protections.New Jersey's lawyers argued that the agency's independence is largely formal and that the governor maintains significant control over the system. They also warned that allowing such lawsuits could subject the state to litigation in other states' courts. However, the Court appeared unconvinced by those arguments and emphasized that the plaintiffs were private individuals seeking compensation rather than other states trying to regulate New Jersey.The ruling ultimately sided with the New York court's earlier decision and overturned the Pennsylvania ruling, allowing the personal injury lawsuits to proceed.Supreme Court Rejects NJ Immunity Defense In NY, Pa. SuitsRegulators are increasingly focusing on dynamic or algorithmic pricing, a practice that uses personal data—such as location, browsing history, and purchasing behavior—to set individualized prices for consumers. The approach has raised concerns among privacy and consumer protection regulators because it relies on large amounts of personal data and may affect price transparency. Although grocery pricing has drawn the most attention, the practice is also used in industries like travel, financial services, and online retail.The Federal Trade Commission has been studying the issue but has not clearly stated whether dynamic pricing violates any specific federal law. In 2024, the agency issued subpoenas to companies that develop pricing algorithms to learn how they collect consumer data, train their systems, and influence the prices consumers see. A preliminary research summary released in 2025 confirmed that these tools rely heavily on consumer data and can adjust prices in real time, but it did not identify specific legal violations.While the federal approach remains uncertain, state regulators are taking more direct action. The office of Rob Bonta, the California attorney general, launched an investigative sweep in January 2026 to examine how companies use consumer data to personalize prices. Investigators sent letters to retailers, grocery stores, and hotels requesting information about pricing algorithms, data sources, and disclosures to consumers.Meanwhile, the New York Attorney General's Office is investigating companies' compliance with the state's new Algorithmic Pricing Disclosure Act. The law requires businesses to clearly inform consumers when prices are generated using algorithms that rely on their personal data. Regulators have warned that disclosures hidden behind hyperlinks may not satisfy the law's requirement that notices be clear and conspicuous.Other states are considering similar legislation, including proposals targeting surveillance-based pricing or banning dynamic pricing in certain industries. As scrutiny increases, companies that use personalized pricing tools are being urged to review their data practices, pricing disclosures, and compliance with emerging state privacy laws.Amidst uncertainty from FTC, states zero in on dynamic and algorithmic pricing | ReutersThe U.S. civilian federal workforce decreased by about 12% between September 2024 and January 2026, according to newly released government data. The reductions reflect efforts by Donald Trump's administration to shrink federal agencies, a policy he promoted as a way to reduce government size and increase efficiency.Several major departments experienced significant staffing losses. The U.S. Department of the Treasury saw its workforce drop by roughly 24%, while the U.S. Department of Health and Human Services lost about 20% of its employees during the same period. These reductions represent some of the largest declines across federal agencies.One notable exception was the U.S. Department of Homeland Security, which slightly increased its workforce by less than 1%. The agency's growth reflects the administration's continued focus on immigration enforcement and deportation efforts.Overall, the data indicates that the administration's push to cut federal staffing has had a broad impact across much of the government, significantly reducing the number of civilian employees in many departments.US government workforce shrunk by 12% since September 2024 | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

The Hormone P.U.Z.Z.L.E Podcast
BBT Charting for Fertility and Cycle Health with Kate Jackson

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Mar 3, 2026 37:24


In episode #426 of The Hormone Puzzle Podcast, our guest, Kate Jackson, talks about BBT Charting for Fertility and Cycle Health. More about Kate Jackson: Kate Jackson is a fertility acupuncturist and integrative fertility practitioner with nearly a decade of clinical experience supporting women and couples through menstrual cycle concerns, conception, IVF preparation, and complex or unexplained fertility journeys. She is known for her ability to decode what has been overlooked, combining Chinese Medicine with functional medicine to help clients truly understand their menstrual cycles, hormones, bloodwork, and symptoms. Her work goes far beyond acupuncture alone, taking a whole body, whole person approach that prioritizes clarity, calm, and personalized support. Kate's mission is to help women reconnect with their bodies and reclaim confidence in both their cycle and fertility health. She supports clients through in-person one-on-one care at her clinic, virtual consultations, and her online fertility community, Fertility Reactivated, making expert guidance accessible wherever someone is in the world. Thank you for listening! This episode is brought to you in partnership with Puzzle Balm Tallow Lotion - https://hormonepuzzlesociety.com/tallow-lotion Follow Kate on Instagram: @‌thecheshireacupuncturist Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

The Hormone P.U.Z.Z.L.E Podcast
Pregnancy After Loss: When Your Hormones Are Fine but Your Nervous System Isn't with Sarah Lingle

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Mar 3, 2026 39:20


Pregnancy After Loss: When Your Hormones Are Fine but Your Nervous System Isn't with Sarah Lingle In episode #427 of The Hormone Puzzle Podcast, our guest, Sarah Lingle, talks about Pregnancy After Loss: When Your Hormones Are Fine but Your Nervous System Isn't. More about Sarah Lingle: Sarah is a wife, a mom, and a birth and bereavement doula. The loss of her first baby and journey through infertility gave her a heart to support other women through the unimaginable pain of loss and all that follows. In her free time, Sarah can probably be found curled up with a good book and a chai latte. Thank you for listening! This episode is brought to you in partnership with Puzzle Balm Tallow Lotion - https://hormonepuzzlesociety.com/tallow-lotion Follow Sarah on Instagram: @‌paldoula Get Your FREE Affirmations for Pregnancy After Loss HERE. Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

Making Money Personal
Stay Faster Than Fraud This Consumer Protection Week - Money Tip Tuesday

Making Money Personal

Play Episode Listen Later Mar 3, 2026 6:35


Every day there are stories and alerts shared of new scams reminding us that the fraud landscape changes quickly. To stay safe, it's important to build good habits, improve your digital security, and use helpful tools to avoid, report, and recover from scams.  Links: Explore more resources for Consumer Protection Week Report scams at Identitytheft.gov Know your rights as a consumer when recovering from identity theft Explorer Triangle's Better Checking account with ID Protect Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union **Note: Better Checking is not an insurance product. Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  It's National Consumer Protection Week (NCPW), a time of year devoted to maintaining personal security and fighting fraud. Hosted by the Federal Trade Commission (FTC), this important awareness week was established to help people better understand their consumer rights and take proactive steps to protect themselves.   This year, the FTC's message is clear: Avoid. Report. Recover. Practicing these three steps regularly can make you much more resilient to today's fraud tactics.  In this tip, we'll explain more about how you can “stay faster than fraud” by putting these actions into practice.   The first action, Avoid, is a reminder to help spot the fraud before it causes you to act.    Scammers rely on urgency. They want you to react fast instead of thinking things through. To avoid scams, try making small changes, like pausing before clicking a link, checking if a request is real, and seeing urgency as a warning sign. These quick pauses can help you avoid falling for scams.  Another way to avoid fraud is to learn about the types of scams that target consumers. Scams are always changing, so it's important to stay up to date. Common scams include identity theft, impostor scams, job scams, and phishing. They also use current events to make their tricks seem more believable.  Looking ahead, experts warn that in 2026, scammers are expected to use new hooks tailored to economic anxiety, like relief‑payment scams, bogus job offers, and highly personalized AI‑powered impersonation schemes. Knowing these patterns and warning signs ahead of time helps protect you and others from becoming the next victim.  Keep in mind that fraudsters also take advantage of digital weaknesses, so it's important to strengthen your security. Use strong, unique passwords with a trusted password manager, turn on multi-factor authentication when you can, keep your devices and software updated, and avoid doing financial transactions on public Wi-Fi. These steps greatly lower your risk of account takeovers and data theft.  And of course, it's important not to share too much personal information on social media or respond to unexpected requests for details. Scammers may send emails or texts that look like they're from people or organizations you trust. Being careful and a bit skeptical helps keep your information safe.  The next part of the FTC's action plan is to report any scams you encounter.   Many people don't report scams because they think it won't help. But the FTC says the opposite is true. Reporting scams helps spot trends, guide enforcement, and warn others about new threats. Sharing your experience helps the fight against fraud.  For identity theft cases, the FTC offers a dedicated resource website: IdentityTheft.gov. This one‑stop site hosts a collection of resources for consumers to use to report fraud. The site can help you generate an official FTC Identity Theft Report and provides a customized recovery plan, both of which are extremely useful when working with companies to dispute fraudulent activity.   Experts say that many fraud cases go unreported and scams are getting more advanced. Reporting scams not only helps you take back control, it also raises awareness and protects your community.  The last part of the FTC's plan is recovery. This means using tools and steps to help people recover after experiencing fraud.  If you become a victim of fraud, recovery can seem overwhelming. The FTC provides tools to guide you step by step through closing compromised accounts, contacting affected businesses, and stopping further misuse. It's no doubt that having a clear plan makes the process easier and faster.  Recovery also includes checking your credit reports often to spot any suspicious activity. If needed, you can set up fraud alerts or freeze your credit to stop new accounts from being opened in your name. This is a good reason to think about getting identity theft protection. There are many options available, and if you're a Triangle member, you could consider a Triangle Better Checking account with ID Protect. For $4.99 a month, members get identity theft protection that includes identity monitoring, credit score tracking, credit reporting, a dedicated case manager, and reimbursement for recovery costs. See the link in the show notes for more details.  A final, important part of recovery is knowing your rights as a consumer if money goes missing. Many people don't realize that you have specific rights when unauthorized transactions happen, including the right to ask your bank for reimbursement if money is taken without your approval. The Consumer Financial Protection Bureau (CFPB) shares resources that explain these protections, so victims don't have to cover the losses themselves. If you want to learn more, check the link in the show notes.  When it comes to fighting fraud, you cannot sit on the sidelines. Start protecting yourself today. Review your habits, strengthen your security, and use new tools. Let Consumer Protection Week inspire you to act. Follow the FTC's advice: Avoid, Report, and Recover. By practicing these steps, you'll become more confident and resilient in a changing digital world.   If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

Legal Speak
Legal Speak Presents "The Supreme Court Brief Spotlight" - Bill Kovacic

Legal Speak

Play Episode Listen Later Mar 3, 2026 20:29


Over the past few weeks, Legal Speak has featured a series of interviews from our sister podcast, "Supreme Court Brief." In this final installment, Supreme Court Brief host Jimmy Hoover interviews Bill Kovacic, a former chairman of the Federal Trade Commission during the late Bush and early Obama administrations. Kovacic speaks with Jimmy about the "disappointing" aspect of a Supreme Court hearing in Trump v. Slaughter about whether President Donald Trump should be allowed to fire members of so-called "independent agencies" like the FTC.  The case centers around Trump's purported firing of Democratic FTC member Rebecca Slaughter. It could spell the end of roughly a century of Supreme Court precedent upholding removal restrictions for members of multi-member government commissions.   Hosts: Cedra Mayfield & Patrick Smith Special Guest Host: Jimmy Hoover Guest: Bill Kovacic Producer: Charles Garnar  

Project 2025: The Ominous Specter
Project 2025: How Trump Administration Is Implementing Heritage Foundation's Sweeping Government Restructuring Plan

Project 2025: The Ominous Specter

Play Episode Listen Later Mar 3, 2026 3:32 Transcription Available


When Heritage Foundation officials unveiled Project 2025 in April 2023, they presented what they called a comprehensive roadmap for restructuring American government. What emerged was a 920-page blueprint called Mandate for Leadership that has since become one of the most consequential policy agendas in modern political history.At its core, Project 2025 seeks to consolidate executive power by placing the entire federal government's executive branch under direct presidential control. This represents a dramatic expansion of presidential authority based on what critics call an expansive interpretation of unitary executive theory. The project explicitly calls for eliminating the independence of agencies like the Department of Justice, the Federal Bureau of Investigation, and the Federal Trade Commission.The scope of proposed changes is staggering. The Heritage Foundation's blueprint recommends dismantling entire agencies including the Department of Homeland Security and the Department of Education. It proposes abolishing the Consumer Financial Protection Bureau, which has returned 21 billion dollars to consumers harmed by bank fraud, and eliminating the Federal Trade Commission, responsible for enforcing antitrust laws. The project also targets the National Labor Relations Board, which protects workers' organizing rights.Beyond eliminating agencies, Project 2025 envisions radical workforce reductions. The document calls for replacing federal civil service workers with people loyal to what it describes as the next conservative president. It explicitly recommends dismissing all Department of State employees in leadership roles before January 20, 2025, and replacing them with ideologically vetted appointees who don't require Senate confirmation.The Trump administration's implementation since taking office in January has exceeded even these ambitious proposals. According to the Center for Progressive Reform, the administration has initiated or fulfilled more than 47 percent of Project 2025's domestic regulatory agenda. Government efficiency officials under Elon Musk have laid off or plan to lay off over 280,000 federal workers across 27 agencies. The Health and Human Services Department alone announced plans to cut 20,000 positions representing 25 percent of the agency.Policy changes target vulnerable populations with particular intensity. Project 2025 proposes slashing Medicaid funding through caps, work requirements, and converting the program into vouchers. It recommends narrowing the Department of Agriculture's role and increasing work requirements for food assistance recipients.The project's vision extends to law enforcement and civil rights. It characterizes the Department of Justice as a bloated bureaucracy infatuated with a radical liberal agenda and calls for making both the FBI and DOJ more directly accountable to the president while expanding death penalty eligibility.Courts have begun challenging implementation, with judges reinstating employees at USAID, the Consumer Financial Protection Bureau, and Voice of America after mass firings. These legal battles will define whether Project 2025's vision becomes law or faces constitutional limits on executive power.Thank you for tuning in today. Please join us next week for more coverage of how these policies continue to shape American governance.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.aiThis content was created in partnership and with the help of Artificial Intelligence AI

Project 2025: The Ominous Specter
Project 2025: How the Heritage Foundation's Plan to Remake Federal Government is Being Implemented

Project 2025: The Ominous Specter

Play Episode Listen Later Feb 26, 2026 3:14 Transcription Available


Imagine a blueprint so ambitious it aims to remake the entire U.S. federal government from the inside out. That's Project 2025, launched in April 2023 by the Heritage Foundation as the 2025 Presidential Transition Project. According to its 900-page Mandate for Leadership, the plan seeks to consolidate executive power under a conservative president, replacing civil service workers with loyalists and dismantling agencies seen as bloated or ideologically misaligned.At its core, Project 2025 pushes a bold reinterpretation of unitary executive theory, placing the entire executive branch under direct presidential control. "All federal employees should answer to the president," Heritage Foundation President Kevin Roberts declared, echoing the document's call to reclassify tens of thousands of civil servants via Schedule F, stripping their protections to install Trump-aligned personnel. The Heritage Foundation aimed for a 20,000-person database by late 2024 to staff this overhaul.Concrete changes target key agencies. It proposes abolishing the Department of Education, shifting programs like the Individuals with Disabilities Education Act to Health and Human Services and elevating school choice over federal oversight. "The federal government should be no more than a statistics-keeping organization" in education, the Mandate states, criticizing "woke propaganda" in schools. Similarly, the Department of Homeland Security would dissolve into a streamlined immigration agency merging Customs and Border Protection and ICE. The Federal Trade Commission and Consumer Financial Protection Bureau face elimination, while the DOJ and FBI would fall under White House oversight to combat what the plan calls a "radical liberal agenda."Tax cuts for corporations, a flat income tax, Medicaid caps, and repealing Biden's Inflation Reduction Act round out economic reforms, aiming to slash regulations and boost nuclear energy. Critics like the ACLU warn this centralizes power, eroding checks and balances, while the Brennan Center highlights risks to criminal justice independence, such as charging local prosecutors for lenient policies.Fast-forward to 2026: The Center for Progressive Reform reports the Trump administration has implemented or initiated 53 percent of Project 2025's domestic agenda, including a February 2025 executive order launching the Department of Government Efficiency to shrink the workforce through attrition and hiring freezes. White House documents detail plans to prioritize reductions in diversity initiatives and non-statutory offices.This sweeping vision connects efficiency dreams to partisan control, illustrated by proposals to merge economic bureaus under conservative principles. As implementation accelerates, upcoming congressional battles over union rights—demanded by labor leaders in July 2025—could decide its fate.Thanks for tuning in, listeners. Come back next week for more.Some great Deals https://amzn.to/49SJ3QsFor more check out http://www.quietplease.aiThis content was created in partnership and with the help of Artificial Intelligence AI

The Hormone P.U.Z.Z.L.E Podcast
Best FertilityTests to Run Before Trying to Conceive (And How to Interpret Them) - Inside the Fertility Puzzle with Dr. Kela

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Feb 24, 2026 43:41


In episode #424 of The Hormone Puzzle Podcast, our host, Dr. Kela Smith, talks about Best FertilityTests to Run Before Trying to Conceive (And How to Interpret Them) - Inside the Fertility Puzzle with Dr. Kela. At the end of every month on The Hormone Puzzle Podcast, Dr. Kela takes you Inside the Fertility Puzzle with a special solo episode dedicated to key fertility topics. From optimizing hormones and decoding lab results to fostering emotional resilience, these episodes deliver actionable advice and expert insights to support your journey to conception. Designed to equip you with the tools and knowledge needed to navigate your unique fertility challenges, this series is your guide to empowerment and clarity. Tune in and let's work together to solve your fertility puzzle with confidence! More about Dr. Kela: Dr. Kela Smith is a leading Holistic Integrative Fertility & Hormone Doctor, dedicated to supporting women and couples facing fertility challenges. After overcoming her own fertility struggles using the Hormone P.U.Z.Z.L.E Method, it has been her mission to help others solve their infertility puzzles so they can get and stay pregnant, have a healthy happy pregnancy, and easy postpartum. An accomplished author, she also hosts Solving-Infertility Summit, and Healthy Happy Pregnancy Summit. Dr. Kela's expertise also extends to guiding and inspiring future fertility experts as the lead educator at the Hormone Puzzle Society Educational Institute. Thank you for listening! This episode is brought to you in partnership with Puzzle Brew Fertility tea - https://hormonepuzzlesociety.com/fertility-tea Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

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The John Batchelor Show
S8 Ep485: The Supreme Court's Threat to Independent Agencies. Analyzing upcoming Supreme Court cases, John Yoo predicts the potential overturning of the historic Humphrey's Executor precedent. Such a ruling would fundamentally dismantle the protections

The John Batchelor Show

Play Episode Listen Later Feb 20, 2026 9:21


The Supreme Court's Threat to Independent Agencies. Analyzing upcoming Supreme Court cases, John Yoopredicts the potential overturning of the historic Humphrey's Executor precedent. Such a ruling would fundamentally dismantle the protections shielding independent agencies like the Federal Trade Commission from direct presidential control, sparking a massive structural revolution within the federal government's executive branch. #161930 ROYAL AGRICULTURAL WINTER FAIR

The John Batchelor Show
S8 Ep486: SHOW SCHEDULE 2-19-26

The John Batchelor Show

Play Episode Listen Later Feb 20, 2026 5:11


2-19-261970 IRAN The European Left and the Ukraine Conflict. John Batchelor and Anatol Lieven discuss the European left's evolving stance on the Ukraine war. Facing economic strain, radical leftist parties are prioritizing peace and domestic issues over punishing Russia, driven by historical anti-NATO sentiments and deep skepticism toward European military expansion and the United States. #1 Negotiated Settlements and Expanding Security States. Anatol Lieven explains the European left's growing concerns about the Ukraine war fueling authoritarian security and surveillance measures. While a negotiated settlement requiring Ukraine to surrender the Donbas seems impossible in Kyiv, the conflict risks becoming a prolonged war of attrition dictated by modern drone warfare. #2 Truman, the Fed, and the 1951 Accord. Professor John Cochrane explores the 1951 Treasury-Fed Accordduring the Korean War. Fearing another World War II-style crisis, President Harry Truman pressured FedChairman Thomas McCabe to keep interest rates low. Instead, the Fed fought for its independence to combat inflation, establishing modern monetary policy precedents. #3 Modern Lessons from the Fed-Treasury Accord. Drawing parallels between 1951 and today, John Cochraneexamines the tension between presidential administrations and the Federal Reserve during crises. He emphasizes that the Fed must maintain its independence, warning against perpetually funding government spending and urging a strict focus on inflation control over politically motivated easy money. #4 Peru's Political Crisis and Chinese Influence. Professor Evan Ellis details Peru's chronic political instability following the appointment of its eighth president in eight years. Amidst endemic corruption and a fragmented Congress, the nation is deeply intertwined with Chinese investments, particularly in telecommunications, mining, and the strategically vital, Chinese-controlled deep-water port of Chancay. #5 Cuba's Severe Energy and Economic Collapse. Evan Ellis describes the catastrophic collapse of Cuba'seconomy. Cut off from Venezuelan and Mexican oil, the island faces severe rationing, blackouts, halted public services, and completely collapsed tourism. With millions fleeing the dire conditions, the communist regime's survival is heavily strained as basic resources fail. #6 Border Drone Threats, USMCA, and Venezuela. Evan Ellis discusses the closure of El Paso's airspace due to sophisticated cartel drones. He also highlights the critical necessity of renegotiating the USMCA to preserve Mexico's economy and cooperative security posture. Finally, he notes a surprising US military delegation visit to negotiate with Venezuela's Maduro regime. #7 Guyana's Massive Oil Boom. Evan Ellis highlights the profound economic transformation of Guyana following the discovery of billions of barrels of light, sweet crude oil. Driven by massive investments from ExxonMobil and Chevron, the South American nation serves as a prime example of effective management and foreign partnerships generating transformative national wealth. #8 Israel's Initial Response to the October 7 Atrocities. Following the horrific October 7 attacks by Hamas, Israelileaders reacted with understandable outrage and mobilized forcefully to neutralize the threat. While Hamas is currently severely degraded militarily and controls less territory, the group remains armed and continues to pose an ongoing security challenge fueled by Iranian backing. #9Defining Israel's Deep Political and Demographic Divides. Peter Berkowitz clarifies crucial definitions in Israelipolitics, explaining why a one-state solution would destroy Israel's democratic and Jewish character. He outlines how traditional left-right divisions have morphed into pro- or anti-Netanyahu factions, heavily influenced by religious demographics and the ultra-Orthodox community's contentious role in military service. #10Trump's Middle East Legacy and Israel's Judicial Crisis. Examining the Trump administration's lasting diplomatic legacy, Peter Berkowitz praises the embassy move to Jerusalem, the withdrawal from the flawed Iran deal, and the strategic Abraham Accords. He also analyzes Israel's internal turmoil over its overly activist Supreme Court, which sparked mass protests prior to the ongoing war. #11Confronting the Ignorance Fueling Anti-Israel Protests. Dismantling the arguments of global anti-Israel protesters, Peter Berkowitz highlights their culpable ignorance regarding Israel's defensive sovereignty. He refutes false accusations of colonialism, exposing how Hamas deliberately uses Palestinian civilians as human shields and actively seeks to destroy both the Jewish state and broader Western democratic civilization. #12Viktor Orban's Dangerous Alliances with Russia and China. Facing domestic electoral pressures, Hungarian Prime Minister Viktor Orban manipulatively courts the Trump administration while deepening dangerous alliances with Russia and China. Ivana Stradner explains that Orban leverages these relationships to project global relevance and maintain power, falsely claiming that Hungary is a victim of unavoidable Russian energy dependence. #13Bangladesh's Political Turmoil and Rising Islamist Influence. Following the violent ouster of Prime Minister Sheikh Hasina, Bangladesh faces severe political and economic instability under Tariq Rahman. Sadanand Dhume warns of a concerning Islamic revival, highlighting the growing parliamentary power of the radical Jamaat-e-Islami movement and the critical need to pragmatically repair fractured diplomatic relations with India. #14Justice Scalia and the Unitary Executive Theory. Reflecting on Justice Antonin Scalia's legacy, Professor John Yoodetails the concept of the unitary executive. Scalia powerfully argued that the Constitution vests all executive power directly in the president, warning that independent agencies fragment federal authority, diminish democratic accountability, and disrupt the essential separation of powers. #15The Supreme Court's Threat to Independent Agencies. Analyzing upcoming Supreme Court cases, John Yoopredicts the potential overturning of the historic Humphrey's Executor precedent. Such a ruling would fundamentally dismantle the protections shielding independent agencies like the Federal Trade Commission from direct presidential control, sparking a massive structural revolution within the federal government's executive branch. #16

Fantasy Football Fein
“Tanking, Ring Chasing & Regulation: Sports in Chaos”

Fantasy Football Fein

Play Episode Listen Later Feb 20, 2026 36:55


Is Mark Cuban right about embracing tanking — or has he lost the plot? What would a return to the Cleveland Cavaliers mean for LeBron James' legacy — redemption or ring chasing? We break down the NFL free agency dominoes, the best landing spot for Tyreek Hill, whether C.J. Stroud should get paid or moved, and if it's time for the Federal Trade Commission to regulate sports betting. Plus — top 5 childhood punishments that built (or broke) us.

Consumer Finance Monitor
The Consumerization of Small Business Lending: Federal and State Regulations Accelerate

Consumer Finance Monitor

Play Episode Listen Later Feb 19, 2026 69:37


On today's Consumer Finance Monitor podcast, we are releasing an episode about a timely and wide-ranging discussion on one of the most significant and fastest-evolving developments in commercial finance: the rapid "consumerization" of small business lending law. In this episode, host Alan Kaplinsky welcomes Louis Caditz-Peck, Executive Director of the Responsible Business Lending Coalition (RBLC), for an in-depth conversation about the proliferation of state small business lending protection statutes, the policy debates driving them, and what they mean for lenders, fintechs, banks, and small business borrowers. From Self-Regulation to State Law: How We Got Here For decades, commercial lending operated under a fundamentally different regulatory framework than consumer credit. The prevailing assumption was that business borrowers were sophisticated, negotiated their transactions, and did not need standardized disclosures or suitability-type protections. That assumption has eroded. As Louis explains, since the financial crisis, and particularly with the growth of online and fintech lending, small business financing has changed dramatically. Community banks have pulled back. Non-bank online platforms have expanded. New products, including merchant cash advances and other revenue-based financing arrangements, have proliferated. At the same time, concerns have grown about: Opaque pricing structures Misleading "interest rate" representations Broker incentives that steer borrowers into higher-cost products Repeated refinancing of unaffordable obligations These concerns led to the development of the Small Business Borrower's Bill of Rights, a set of industry standards first launched in 2015 at the Aspen Institute by a coalition of lenders, small business groups, and nonprofit advocates. What began as a voluntary, self-regulatory effort quickly became a blueprint for legislation. California's SB 1235 in 2018 marked the first major small business truth-in-lending law. Since then, according to Louis, 19 small business financial protection laws have been enacted across multiple states, with California and New York leading the way. The "Consumerization" of Small Business Lending A central theme of the episode is whether we are witnessing the "consumerization" of small business lending. Many of the new state laws borrow heavily from consumer credit concepts, including: APR-style cost disclosures Total cost of financing disclosures Payment schedule requirements Prepayment and fee transparency Restrictions on certain contractual provisions Some states have layered on licensing or registration requirements for small business finance providers. Others incorporate or supplement state UDAP (unfair and deceptive acts and practices) standards, which may apply to certain business-to-business transactions as well as consumer transactions. The policy rationale is straightforward: many "Main Street" businesses are effectively sole proprietorships or closely-held operations without in-house finance or legal teams. Legislators increasingly view these borrowers as closer to consumers than to large corporations with treasury departments and inside or outside counsel. As Alan and Louis discuss, the regulatory shift raises serious operational and compliance challenges, particularly given the state-by-state patchwork of requirements. The Compliance Conundrum: Patchwork and Harmonization A recurring concern is whether the proliferation of state laws imposes disproportionate burdens on smaller lenders and startups, especially compared to large institutions with robust legal and compliance infrastructures. Louis emphasizes that RBLC has actively worked to promote interstate harmonization, particularly between California and New York. For example: Advocating for standardized disclosure forms that can be used in multiple states Aligning definitions and disclosure triggers Encouraging estimated APR calculations for revenue-based financing However, not all states have followed a harmonized approach. Some laws, particularly those focused narrowly on merchant cash advances, have created divergent requirements, complicating multi-state compliance. As Alan notes, the trend presents both risk and opportunity for lenders and their counsel. The regulatory environment is no longer static. Companies offering small business financing must assume that: Cost disclosures will likely be required in more states Registration or licensing may apply Enforcement risk—particularly under state UDAP statutes—will increase Section 1071 and Federal Uncertainty The episode also explores the role of the CFPB under Section 1071 of the Dodd-Frank Act, which requires data collection on small business lending to: 1.     Identify potential discrimination, and 2.     Assess whether certain markets are underserved. The CFPB finalized its 1071 rule in 2023 under then Director Rohit Chopra. Multiple legal challenges followed. Under the current administration, a notice of proposed rulemaking has sought to scale back and slow implementation. At the same time, the Federal Trade Commission has signaled an interest in using its enforcement authority to address unfair or deceptive acts or practices affecting small businesses—underscoring an intriguing tension within federal regulatory policy. As Louis observes, the debate is not simply about reducing or expanding government. It is about how government authority will be used and whether transparency and enforcement will be advanced through rulemaking, litigation, or state initiatives. Merchant Cash Advances and Revenue-Based Financing A particularly nuanced part of the discussion focuses on merchant cash advances (MCAs) and other sales-based financing products. These arrangements typically involve: An advance of funds in exchange for a fixed repayment amount Payments tied to a percentage of daily or periodic sales Variable duration depending on business performance RBLC's position, as Louis explains, is product neutral. The coalition does not advocate banning product categories or imposing rate caps. Instead, it focuses on responsible practices, including transparent pricing and assessment of ability to repay. Importantly, none of the major state lending protection laws impose interest rate caps. The emphasis is on disclosure and market transparency rather than price regulation. Who Is Covered—and Who Is Not? Most state small business truth-in-lending statutes apply to financing of $500,000 or less (with some variation, such as New York's $2.5 million threshold following gubernatorial revision). Coverage often includes: Closed-end loans Open-end lines of credit Sales-based financing/MCAs Factoring (in some states) Banks are generally exempt from these statutes, though non-bank "providers" presenting the offer of credit may still have disclosure obligations even in bank partnership models. As Alan highlights, this raises interesting competitive and policy questions about level playing fields across banks and non-banks. Looking Ahead to 2026 Both speakers agree: this trend is not going away. With significant percentages of small business owners reporting difficulty accessing affordable capital—and a substantial minority reporting harm from predatory practices—state legislators remain motivated to act. The key policy question is not whether regulation will expand, but how. Well-designed transparency frameworks can: Promote price competition Reward responsible innovation Improve borrower decision-making Poorly harmonized or overly rigid frameworks, however, risk increasing compliance costs and reducing credit availability. As Alan notes in his closing remarks, small business finance regulation is becoming a core area of growth for law firms and compliance professionals historically focused on consumer financial services. The line between consumer and commercial finance continues to blur.  Alan noted that the Consumer Financial Services Group which he founded and chaired for 25 years has counseled and represented small business lenders for decades. For lenders, fintechs, banks, and their advisors, understanding these developments is no longer optional—it is essential. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

The Hormone P.U.Z.Z.L.E Podcast
Beyond the Diagnosis: Decoding Unexplained Infertility with Katherine Rohland

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Feb 17, 2026 34:45


In episode #423 of The Hormone Puzzle Podcast, our guest, Katherine Rohland, talks about Beyond the Diagnosis: Decoding Unexplained Infertility. More about Katherine Rohland: Katherine Rohland, M.S, LAc, is a licensed Chinese medicine practitioner with over eight years of experience helping women naturally enhance their fertility and reproductive health. Alongside her clinical practice, she holds advanced training in Chinese medicine gynecology, classical Chinese medicine, nutrition, and pediatric care. In her practice, she supports women holistically by addressing the body, mind, and lifestyle so they feel deeply guided on their path to pregnancy. Nothing brings her more joy than seeing women achieve their optimum health potential, empowering them to show up in the world as their best selves mentally and physically while pursuing their personal and professional dreams. Thank you for listening! This episode is brought to you in partnership with Puzzle Brew Fertility tea - https://hormonepuzzlesociety.com/fertility-tea Follow Katherine on Instagram: @‌manhattan_medicine_woman Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

Second Request
Will Roblox Survive its Day in Court? (TCF Investigates)

Second Request

Play Episode Listen Later Feb 13, 2026 20:44


2026 could make or break Roblox. That's because the multi-billion dollar children's video game company is mired in dozens of private lawsuits on top of multiple probes from several state governments, the FTC and the DOJ. In this episode of The Capitol Forum Investigates, reporter Ethan Ehrenhaft sits down with Arjun Singh to talk about the future of Roblox in the wake of major allegations of sexual exploitation and abuse on its platform.Follow The Capitol Forum on Bluesky or Linkedin

Emerging Litigation Podcast
FTC Warns Law Firms: Rethink Your Diversity Collaborations

Emerging Litigation Podcast

Play Episode Listen Later Feb 12, 2026 18:30 Transcription Available


This episode dives into the latest warnings issued by the Federal Trade Commission to major U.S. law firms regarding their participation in diversity certification programs. I outline the broader pattern of executive branch pressure and explore the implications for law firms and media companies. Key Topics Covered:  FTC Chairman Andrew N. Ferguson's cautionary letters to 42 law firms participating in Diversity Lab's Mansfield Certification program, highlighting potential antitrust liability under the Sherman Act and FTC Act. The Mansfield Rule's origins, modeled on the NFL's Rooney Rule, and its focus on expanding opportunities for underrepresented lawyers without mandating quotas. Judicial decisions, including Perkins Coie LLP v. DOJ and Jenner & Block LLP v. DOJ, addressing claims of discrimination and political retaliation in the context of diversity initiatives and legal advocacy. The Trump administration's use of antitrust law to challenge perceived collusion in both legal and media sectors, including scrutiny of media partnerships like the Trusted News Initiative and high-profile media mergers. Broader ideological and regulatory trends, including heightened enforcement, government intervention in media ownership, and ongoing appeals in federal courts. Discussion Points: How coordinated diversity efforts may be viewed as labor-market collusion and the legal risks for law firms. The intersection of antitrust law, freedom of speech, and diversity initiatives in shaping the future of legal and media industries. The potential impact of executive orders and regulatory actions on the independence and competitive landscape of law firms and media companies. I discuss how law firms and media organizations must adapt to an environment of increased political scrutiny, regulatory enforcement, and ongoing legal challenges. Tune in for the latest in the evolving relationship between private power and government oversight. ______________________________________ Thanks for listening! If you like what you hear please give us a rating. You'd be amazed at how much that helps. If you have questions for Tom or would like to participate, you can reach him at Editor@LitigationConferences.com. Ask him about creating this kind of content for your firm -- podcasts, webinars, blogs, articles, papers, and more. Tom on LinkedIn Emerging Litigation Podcast on LinkedIn Emerging Litigation Podcast on the HB Litigation site

Antitrust Review
Antitrust Enforcement under President Trump

Antitrust Review

Play Episode Listen Later Feb 12, 2026 44:03


In the latest instalment of Cleary Gottlieb's Antitrust Review podcast, host Nick Levy is joined by a panel of lawyers from Cleary Gottlieb's U.S. competition practice, including former officials of the Federal Trade Commission and Department of Justice, to discuss the first year of President Trump's second Administration. Together, they discuss the legacy of the Biden Presidency, explain U.S. antitrust enforcement, merger control, and digital regulation over the past year, and predict the likely direction of future enforcement.

The Hormone P.U.Z.Z.L.E Podcast
Mold, Mycotoxins, and Hormones: How Hidden Mold Exposure Disrupts Endocrine Balance, Impacts Fertility, and Often Goes Undetected in Standard Hormone or Fertility Workups with Brian Karr

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Feb 11, 2026 55:36


In episode #434 of The Hormone Puzzle Podcast, our guest, Brian Karr, talks about Mold, Mycotoxins, and Hormones: How Hidden Mold Exposure Disrupts Endocrine Balance, Impacts Fertility, and Often Goes Undetected in Standard Hormone or Fertility Workups. More about Brian Karr: Brian Karr, CMI, is the co-founder of We Inspect and The Dust Test and a second-generation indoor environmental consultant who specializes in assisting hypersensitive individuals with complex medical conditions by identifying and addressing mold, mycotoxins, and other indoor pathogens in their homes, often leading to significant improvements in their health. He is recognized nationwide as an authority on indoor environmental mold and biotoxin issues among medical professionals and has helped more than 10,000 individuals create healthier living environments. In addition to his consulting work, Brian is committed to education within the environmental and health industries, speaking at international health conferences and industry training symposiums, and sharing accessible knowledge through his podcast, #moldfinders: RADIO, as well as comprehensive training programs that empower consumers and health practitioners to confidently navigate mold and biotoxin concerns. Thank you for listening! This episode is brought to you in partnership with Proov - https://proovtest.com/PUZZLE Follow Brian on Instagram: @‌moldfinders Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

SeniorLivingGuide.com Podcast, Sponsored by: Parrish Healthcare
Inside the Scams Targeting Older Americans: How Do I Know if I am Being Scammed?

SeniorLivingGuide.com Podcast, Sponsored by: Parrish Healthcare

Play Episode Listen Later Feb 11, 2026 44:57 Transcription Available


In this episode of the SeniorLivingGuide.com Podcast, host Darleen Mahoney is joined by Master Deputy Jeffrey Merry, Sun City Center Community Resource Deputy with the Hillsborough County Sheriff's Office and AARP's 2024 Fraud Fighter of the Year. Together, they take a deep dive into the world of scams targeting seniors—a pressing, ever-evolving issue with staggering financial and emotional impacts.Master Deputy Merry explains the sophisticated and organized criminal networks behind today's scams, shedding light on why seniors are rich targets and how bad actors use emotional manipulation to defraud them. With warmth and candor, Darleen Mahoney and Master Deputy Merry discuss practical prevention strategies. This episode also highlights trusted resources like AARP's Fraud Watchdog Network, the Internet Crime Complaint Center (IC3), and the Federal Trade Commission, linking listeners directly to help and support.SeniorLivingGuide.com Podcast sponsored by Best-Selling Author on Retirement, Tom Marks & TerraBella Senior Living.The background music is written, performed, and produced exclusively by purple-planet.com.https://www.purple-planet.com/SeniorLivingGuide.com Webinars and Podcast represents the opinions and expertise of our guests. The content here is for informational and educational purposes. It does not necessarily represent the views, recommendations, opinions or advice of Fairfax Publishing/SeniorLivingGuide.com or its employees.

Diabetes Connections with Stacey Simms Type 1 Diabetes
In the News... Trump RX, T1D at the Olympics & Superbowl, Ozempic pill launches soon, and more!

Diabetes Connections with Stacey Simms Type 1 Diabetes

Play Episode Listen Later Feb 10, 2026 15:00


It's In the News.. a look at the top headlines and stories in the diabetes community. This week's top stories: T1D in the Olympics & Superbowl, Trump RX goes live, Ozempic pill available soon, tech updates from Medtronic, Beta Bionics, Eversense 365 and more! Announcing Community Commericals! Learn how to get your message on the show here. Learn more about studies and research at Thrivable here Please visit our Sponsors & Partners - they help make the show possible! Omnipod - Simplify Life All about Dexcom  T1D Screening info All about VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com  Episode transcription with links: Welcome! I'm your host Stacey Simms and this is an In The News episode.. where we bringing you the top diabetes stories and headlines happening now. A reminder that you can find the sources and links and a transcript and more info for every story mentioned here in the show notes. Quick reminder: We are just over one week from our first Moms' Night Out event of the year. While the plans are all set – the speakers, the vendors, the raffles and the fun is ready to go, it's always amazing how many people hear of these event last minute. That's fine, they're welcome! But if you're thinking of attending a future event – registration is open for We're going to Nashville next March 6-7 and Detroit in September – no need to wait. And we've got Club 1921 events for health care professionals and patient leaders in 6 cities this year! All the info is over at diabetes-connetionss.com events/   Okay.. our top story this week: XX Gotta be a quick shout out to some incredible T1D athletes – we had TWO in the super bowl this past weekend – Chad Muma of the New England Patriots and Logan Brown of the Seattle Seahawks AND there are at least two athletes with type 1 competing at the Winter Olympics. Hannah Schmidt competes in ski cross for Canada – she was diagnosed with Type 1 diabetes at age 12 years old.  Anna FarnSchadt Fernstäd a Czech skeleton racer diagnosed in 2022 after she'd already been to several Olympics. We wish them all the best!   https://english.radio.cz/skeleton-racer-anna-fernstadtova-overcoming-adversity-headfirst-down-ice-8876699 XX The government website TrumpRx.gov is live..  the website does not sell prescription drugs. Instead, it allows people to look up their drugs and then navigate to buy them elsewhere, either from a major drug company or a pharmacy. The 43 drugs listed on the site have prices ranging from $3 to over $5,500. TrumpRx does include warnings that the site may not be the best option to save money on prescriptions. Each product page advises: "If you have insurance, check your co-pay first — it may be even lower." For now, the website says its prices are for people paying with their own money, rather than going through insurance. The only insulin listed right now is Lilly's insulin lispro – and it's the same price as you'd find through Illy's insulin value program. I looked up diabetes meds.. For example, if you have an insurance co-pay of $25 a month for Farxiga, a drug often used for diabetes, you would be paying $182 on TrumpRx. As you can imagine, though ,this is complicated and as with most of our healthcare system, it may be good in some cases and not much help in other.  I'd suggest calling your local pharmacist or checking with your human resource dept. https://www.nytimes.com/2026/02/06/health/trumprx-prescription-drug-prices-consumers.html XX Novo Nordisk will launch some doses of its oral semaglutide for diabetes under the brand name Ozempic pill in the second quarter of this year. The company said the U.S. Food and Drug Administration has approved Ozempic tablets in three different doses. Novo says The new Ozempic name is intended to help patients and health care professionals more easily recognize the available treatment options for type 2 diabetes Semaglutide tablets have been available under the brand name Rybelsus Ruh BELL sis for diabetes since 2019 but with different dosing. The pill is also approved to reduce the risk of certain cardiovascular conditions in adults with type 2 diabetes who are at high risk for these events. The FDA had approved the new doses based on a bioequivalence study and the clinical trial data for Rybelsus, Novo said. https://www.reuters.com/business/healthcare-pharmaceuticals/novo-launch-ozempic-pill-diabetes-second-quarter-this-year-2026-02-04/ XX https://www.contemporarypediatrics.com/view/early-screening-for-type-1-diabetes-found-effective-in-children XX Possible new way to identify and track the progress of type 1 diabetes before clinical onset. A recent study published in Science Advances described the application of subcutaneous microporous scaffolds. These are inserted and have been shown to  identify changes in cancer, multiple sclerosis, and T1D by capturing changes of immune cells over the course of a disease. This is a proof of concept study in mice.. so very early days. https://www.news-medical.net/news/20260204/Implantable-immune-scaffold-predicts-type-1-diabetes-weeks-before-symptoms.aspx XX A large global genetics study shows that many key drivers of Type 2 diabetes operate outside the bloodstream. In a major international project led in part by the University of Massachusetts Amherst and Helmholtz Munich in Germany, researchers linked hundreds of genes and proteins to the disease. The work, published in Nature Metabolism, points to a key challenge in diabetes research: the biology behind rising blood sugar does not play out the same way in every part of the body. It also shows why including people from many backgrounds matters, since genetic clues that stand out in one population may be faint or invisible in another. Huge study, 2.5 million people worldwide comparing patterns across seven tissues tied to diabetes and four global ancestry groups, then asked a simple question: what do you miss if you only measure blood? Across the seven tissues, the researchers found causal evidence pointing to 676 genes. Yet overlap with blood was limited: only 18% of genes with a causal effect in a primary diabetes tissue, such as the pancreas, showed a matching signal in blood. At the same time, 85% of genetic effects observed in diabetes-relevant tissues were completely absent from blood-based analyses. The findings lay out a roadmap for future research aimed at understanding the biological pathways underlying Type 2 diabetes and developing more effective treatments. https://scitechdaily.com/massive-global-study-rewrites-the-biology-of-type-2-diabetes/ XX Express Scripts settled the U.S. Federal Trade Commission's claims its insulin pricing practices violated antitrust and consumer protection laws, and agreed to changes aimed at lowering costs for patients, insurers and small pharmacies The settlement, first reported by Reuters, fits with that goal, and allows the FTC to pare down a case brought by the former Biden administration against Cigna's Express Scripts, UnitedHealth Group Inc's (UNH.N), Optum unit and CVS Health Corp's (CVS.N), CVS Caremark. The case against Optum and Caremark is ongoing. Pharmacy benefit managers, which set how drugs are covered by health insurance, have faced a decade of scrutiny from regulators and lawmakers over pricing practices. While the industry has already made reforms, the settlement gives the FTC power to enforce broader changes at Express Scripts. The 10-year agreement restricts Express Scripts' ability to engage in practices critics say contribute to high costs, like pocketing rebate payments from drugmakers based on the list price of drugs. The FTC estimates the agreement could save patients as much as $7 billion over a decade. https://www.reuters.com/world/cigna-settles-ftc-insulin-case-commits-overhauling-drug-pricing-2026-02-04/ XX Audio? Congress has passed bipartisan legislation to extend and strengthen the Special Diabetes Program (SDP), a cornerstone of Federal investment in type 1 diabetes (T1D) research. The President signed the legislation and it is now law. Extends the SDP through December 31, 2026, and increases funding from $160 million to $200 million annually. Strengthens overall funding for the National Institutes of Health (NIH) by $415 million. Increases diabetes research funding at the National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK) by $10 million. Created by Congress and administered by the NIH, the SDP has contributed nearly $3.6 billion to T1D research and has played a role in nearly every major breakthrough in the field. A recent study conducted by Avalere Health shows that of the nearly 3.6 billion invested into the SDP by Congress since the establishment of the program, the Federal Government has realized $50 billion in healthcare savings through improved health outcomes from the use of SDP driven therapies and devices https://www.breakthrought1d.org/news-and-updates/congress-passes-bipartisan-extension-of-the-special-diabetes-program-securing-critical-t1d-research-funding/ XX Dexcom is rolling out what they're calling AI-enabled enhancements to Stelo, further transforming how users track and understand their glucose health. Expanded Smart Food Logging including a comprehensive nutrition database of more than 1M meals that provides a breakdown of calories, carbohydrates, protein, fat, dietary fibers, and more. More ways to meal track including text search, barcode scanning or taking a photo of the meal, creating a seamless and intuitive meal tracking solution. A redesigned Daily Insights feature which will introduce a new interface with more personalized recommendations. The newest features will launch nationwide in the coming weeks.  XX Beta Bionics has received a warning letter from the Food and Drug Administration following an inspection last year, the company disclosed on Friday. The diabetes technology company said in a securities filing that the warning letter concerns non-conformities with the company's quality management system, medical device reporting, and correction and removals. The warning letter has not yet been posted by the FDA.   The company said in the filing that it has already taken actions to improve the processes described in the warning letter, and it is working on a written response to the FDA.   The firm does not expect the warning letter to affect the planned launch of a new insulin patch pump by the end of 2027. Beta Bionics unveiled a prototype of the device, called Mint, last year at the American Diabetes Association's Scientific Sessions. The company also does not expect the warning letter to affect its financial results. https://www.medtechdive.com/news/beta-bionics-receives-fda-warning-letter/811140/?utm_source=Sailthru&utm_medium=email&utm_campaign=Issue%3A+2026-02-04+MedTech+Dive+%5Bissue%3A81423%5D&utm_term=MedTech+Dive&fbclid=IwY2xjawPwhDZleHRuA2FlbQIxMABicmlkETFaUUcyYmNQWldjZ2xudElic3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHouF8M3IstTyslPRgeHWUWVVdOAGOtzPWt_yNFcj9eYruqSPz3e86Iwcbpt8_aem_7q4D97vJVjHKfEwvoyUpgw XX Sequel Med Tech is reviewing co-founder Dean Kamen's ties to Jeffrey Epstein after recently released documents revealed new details about the longstanding relationship between the two men. The documents show that Kamen visited Epstein's island, and remained in contact with him for years after Epstein was convicted of sex crimes involving minors. Kamen has not been accused of any wrongdoing. In a statement, Sequel Med Tech said the Manchester-based company is aware of the documents pertaining to Kamen and – quote - "Sequel's Board of Directors has unanimously decided to engage an external law firm to review these disclosures and provide recommendations aligned with our mission to serve people living with diabetes," Kamen has not issued a statement regarding his reported connection to Epstein.   https://www.bostonglobe.com/2026/02/04/metro/nh-dean-kamen-jeffrey-epstein-review/ https://www.bostonglobe.com/2026/02/04/metro/nh-dean-kamen-jeffrey-epstein-review/ https://www.nbcboston.com/news/local/nh-inventor-placed-on-leave-after-epstein-messages-surface-report-says/3888569/ XX Abbot reports 860 serious injuries linked to the recall of some of its glucose monitoring sensors. We told you about this recall late last year, these numbers are an FDA update.     Abbott said the sensors can provide incorrect glucose readings over extended periods, which could lead to users making dangerous treatment decisions, including eating excessive carbohydrates along with skipping or delaying insulin doses, potentially leading to serious health risks. The company said it has identified and resolved the cause of the issue, which relates to one production line among several that make Libre 3 and Libre 3 Plus sensors.   https://www.reuters.com/business/healthcare-pharmaceuticals/abbott-recalls-glucose-sensors-after-seven-deaths-linked-faulty-readings-2026-02-04/ XX Updates from Medtronic & Senseonics – and a first from Nick Jonas.. right after this..   I'm excited to share that the FDA has cleared the MiniMed 780G system with the Instinct sensor, made by Abbott, for people with type 2 diabetes.  Medicare has also now approved coverage for the Instinct sensor for use with the MiniMed 780G system. This clearance and expanded coverage mean more people will have access to pairing our most advanced automated insulin delivery technology with the Instinct sensor, that offers a smaller, 15-day sensor experience.  They're also launching the MiniMed 780G system Pump Evaluation Program.  This program gives individuals living with diabetes the ability to try the full MiniMed 780G system at no cost for 30 days.† This includes the pump, the sensor of their choice, one month of infusion sets and reservoirs, everything but the insulin. They'll contact your doctor for you to get a prescription and get the process rolling. https://www.medtronicdiabetes.com/pump-evaluation-program XX Senseonics announced today that its Eversense 365 continuous glucose monitor (CGM) system received CE mark approval – that's European clearance.  This comes on the heels of the launch of Eversense 365 with Sequel Med Tech's twiist pump, marking the first pump integration for the CGM. Senseonics plans to launch Eversense 365 in Germany, Italy, Spain and Sweden in the coming months. Meanwhile, Senseonics continues to work toward an FDA investigational device exemption (IDE) submission for its next-generation Gemini transmitter-less CGM by the end of this year. https://www.drugdeliverybusiness.com/senseonics-ce-mark-eversense-365-cgm/ XX A huge shout out to Dr. Emily Blum, who just accomplished riding 100 miles in Antarctica for Breakthrough T1D! Despite having no direct connection to Type 1 Diabetes, Emily has been riding and fundraising for BreakthroughT1D for 10 years now. She is an integral part of the Georgia Ride team, training and riding many miles, and most importantly has raised tens of thousands of dollars to support the cause of ridding the world of T1D. She is surgeon and deeply involved with medical innovation, with an incredibly busy schedule, but jumped at the chance to take on the challenge of riding a century on every continent. Having already completed North America, Europe, Australia, Asia, and now Antarctica, only Africa and South America remain. Emily rides on and continues to be an inspiration to everyone who meets her. XX   https://diabetes-connections.com/t1d-connection-and-people-magazine-elise-zach-share-their-story/ XX Nick Jonas's becomes the first artist ever to wear a CGM on an album cover - new upcoming solo album Sunday Best, releasing Feb. 6.  The release says: This marks a powerful step forward in normalizing diabetes and raising awareness for the condition on a global scale. This moment adds to the growing visibility of diabetes in pop culture, alongside milestones like a Type 1 diabetes Barbie and Pixar characters wearing diabetes technology.

The Hormone P.U.Z.Z.L.E Podcast
Stem Cells, Peptides and Fertility with Dr. Jeff Gross

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Feb 10, 2026 36:07


In episode #422 of The Hormone Puzzle Podcast, our guest, Dr. Jeff Gross, talks about Stem Cells, Peptides and Fertility. More about Dr. Jeff Gross: Dr. Jeff Gross is a recovering neurosurgeon who is transforming health, wellness, and longevity through the use of regenerative medicine, including stem cells, exosomes, peptides, and much more. He is the founder of ReCELLebrate, a cutting edge practice focussing on being the antithesis to the watered down sick care system. He focusses on individualized and precise care, always doing what is best for patients. Thank you for listening! This episode is brought to you in partnership with Puzzle Brew Fertility tea - https://hormonepuzzlesociety.com/fertility-tea Follow Dr. Jeff on Instagram: @‌recellebrate Get Your FREE Supplement HERE. Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

Way of Champions Podcast
#467 Katie Van Dyke, Antitrust Attorney, on the Negative Influence of Private Equity in Youth Sports Clubs, Leagues and Tournaments

Way of Champions Podcast

Play Episode Listen Later Feb 5, 2026 73:40


Katherine Van Dyck (@capitalKVD) is an experienced antitrust lawyer and founder of KVD Strategies PLLC, with senior fellowships at the American Economic Liberties Project and UC Berkeley's Civil Justice Research Initiative. During the Biden Administration, she served as an Attorney-Advisor at the Federal Trade Commission. Katie's work focuses on how concentrated economic power harms consumers, workers, and small businesses. She has been involved in numerous instances of litigation, including a multimillion dollar judgement against Varsity Brands Cheerleading and their monopoly of the competitive cheer market, as well as arguing against the SCORE Act in congress, which would grant the NCAA monopoly status to control college sports. Katie and John testified to the US House of Representatives in December 2025, discussing the massive effect of private equity involvement, an dhow vertical ownership of sports clubs, leagues, facilities and governing bodies is detrimental to children and raises prices for families.  Connect with Katie at www.KVDStrategies.com Check out some of her articles here: The Shadowy Puppet Masters Who Control College Athletics, Organized Money, December 2025 The SCORE Act: A gift to the NCAA that betrays college athletes, The Hill, August 2025 Playing by the Rules: Bringing Law and Order to the NCAA, AELP, November 2023 The NCAA, Antitrust and the Future of College Sports, NPR On Point, October 2023 BOOK A SPEAKER: Interested in having John or one of our speaking team come to your school, club or coaching event? We are booking November and December 2025 and Winter/Spring 2026 events, please email us to set up an introductory call John@ChangingTheGameProject.com PUT IN YOUR BULK BOOK ORDERS FOR OUR BESTSELLING BOOKS, AND JOIN 2025 CHAMPIONSHIP TEAMS FROM SYRACUSE MENS LAX, UNC AND NAVY WOMENS LAX, AND MCLAREN F1! These are just the most recent championship teams using THE CHAMPION TEAMMATE book with their athletes and support teams. Many of these coaches are also getting THE CHAMPION SPORTS PARENT so their team parents can be part of a successful culture. Schools and clubs are using EVERY MOMENT MATTERS for staff development and book clubs. Are you?  We have been fulfilling numerous bulk orders for some of the top high school and collegiate sports programs in the country, will your team be next? Click here to visit John's author page on Amazon Click here to visit Jerry's author page on Amazon Please email John@ChangingTheGameProject.com if you want discounted pricing on 10 or more books on any of our books. Thanks everyone. This week's podcast is brought to you by our friends at Sprocket Sports.  Sprocket Sports is a new software platform for youth sports clubs.  Yeah, there are a lot of these systems out there, but Sprocket provides the full enchilada. They give you all the cool front-end stuff to make your club look good– like websites and marketing tools – AND all the back-end transactions and services to run your business better so you can focus on what really matters – your players and your teams. Sprocket is built for those clubs looking to thrive, not just survive, in the competitive world of youth sports clubs.  So if you've been looking for a true business partner – not just another app – check them out today at https://sprocketsports.me/CTG. BECOME A PREMIUM MEMBER OF CHANGING THE GAME PROJECT TO SUPPORT THE PODCAST If you or your club/school is looking for all of our best content, from online courses to blog posts to interviews organized for coaches, parents and athletes, then become a premium member of Changing the Game Project today. For over a decade we have been creating materials to help change the game. and it has become a bit overwhelming to find old podcasts, blog posts and more. Now, we have organized it all for you, with areas for coaches, parents and even athletes to find materials to help compete better, and put some more play back in playing ball. Clubs please email John@ChangingTheGameProject.com for pricing.  Become a Podcast Champion! This weeks podcast is also sponsored by our Patreon Podcast Champions. Help Support the Podcast and get FREE access to our Premium Membership, with well over $1000 of courses and materials. If you love the podcast, we would love for you to become a Podcast Champion, (https://www.patreon.com/wayofchampions) for as little as a cup of coffee per month (OK, its a Venti Mocha), to help us up the ante and provide even better interviews, better sound, and an overall enhanced experience. Plus, as a $10 per month Podcast Super-Champion, you will be granted a Premium Changing the Game Project Membership, where you will have access to every course, interview and blog post we have created organized by topic from coaches to parents to athletes. Thank you for all your support these past eight years, and a special big thank you to all of you who become part of our inner circle, our patrons, who will enable us to take our podcast to the next level. https://www.patreon.com/wayofchampions

Pitchfork Economics with Nick Hanauer
A Government Built to Stall—and What That Means for Democracy (with Hannah Garden-Monheit)

Pitchfork Economics with Nick Hanauer

Play Episode Listen Later Feb 3, 2026 45:33


If democracy is going to survive, it has to deliver.This week, Goldy and Civic Ventures president Zach Silk are joined by Hannah Garden-Monheit, a former senior official in the Biden-Harris administration, for a conversation about one of the most urgent questions in American politics: why our government so often fails to produce visible results for working people—and what that means for what comes next.At a time when public institutions are being dismantled faster than they were ever built, this episode looks beyond easy cynicism and asks what it would take to rebuild a government people can trust, feel, and believe in again. Because the next governing moment won't just be about having the right values or policies. It will hinge on whether leaders are willing to use democratic power to make government deliver in ways that are visible, tangible, and real. Hannah Garden-Monheit is a Senior Fellow at the American Economic Liberties Project and co-author of Building a More Effective, Responsive Government, a report from the Roosevelt Institute. She previously served as Director of the Office of Policy Planning at the Federal Trade Commission and as Special Assistant to the President for Economic Policy on the White House National Economic Council.  Further reading:  Building a More Effective, Responsive Government: Lessons Learned from the Biden-Harris Administration Website: http://pitchforkeconomics.com Instagram: @pitchforkeconomics Threads: pitchforkeconomics Bluesky: @pitchforkeconomics.bsky.social Twitter: @PitchforkEcon, @NickHanauer, @civicaction YouTube: @pitchforkeconomics LinkedIn: Pitchfork Economics Substack: ⁠The Pitch⁠

The Hormone P.U.Z.Z.L.E Podcast
Building a Community of Support Online with Meg Faith

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Feb 3, 2026 41:38


In episode #420 of The Hormone Puzzle Podcast, our guest, Meg Faith, talks about Building a Community of Support Online. More about Meg Faith: Meg Faith is the founder of For the Barreness, a space created from her personal journey through infertility. After years of IVF treatments, immunology protocols, and complex medical diagnoses including endometriosis, adenomyosis, a Müllerian anomaly, MTHFR mutation, and Sjögren's syndrome, Meg turned her pain into purpose. What began as an Instagram account grew into a supportive community for those navigating the often isolating path to parenthood. Through For the Barreness, Meg seeks to foster connection, validate lived experiences, and remind others that they are not alone. Her work centers on compassion, honesty, and the power of shared stories in healing. Thank you for listening! This episode is brought to you in partnership with Puzzle Brew Fertility tea - https://hormonepuzzlesociety.com/fertility-tea Follow Meg on Instagram: @‌for_the_barreness Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

The Hormone P.U.Z.Z.L.E Podcast
The 3 Silent Saboteurs Ruining Your Fertility Your Doctor Won't Address and the Natural Fix That Will Actually Get You Pregnant with Dr. Katie Wood

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Feb 3, 2026 51:06


In episode #421 of The Hormone Puzzle Podcast, our guest, Dr. Katie Wood, talks about The 3 Silent Saboteurs Ruining Your Fertility Your Doctor Won't Address and the Natural Fix That Will Actually Get You Pregnant. More about Dr. Katie Wood Dr. Katie Wood is a mother, doctor of pharmacy, and holistic fertility practitioner. Katie helps women and couples to nourish their mind, body and spirit for optimal fertility health so they can consciously and confidently conceive with ease. Katie comes with over a decade of experience as a pharmacist and in the alternative medicine space; this background in Western medicine is what first piqued her awareness that people need more intimate coaching towards health and vitality. After experiencing a lack of support and education through her fertility and pregnancy journey, she became determined to advocate for women's preconception and maternal health. Katie is passionate about supporting and empowering couples on their fertility journey by taking a holistic root-cause approach focusing on nutrition, lifestyle, and mind-body connection. Thank you for listening! This episode is brought to you in partnership with Puzzle Brew Fertility tea - https://hormonepuzzlesociety.com/fertility-tea Follow Dr. Katie on Instagram: @‌the_wellness_pharmacist Get Your FREE Ultimate Fertility Blueprint Quiz HERE. Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

Minimum Competence
Legal News for Mon 2/2 - TOSTracker Launches, FTC Warnings on DEI, ICE Warrantless Home Entries and Don Lemon Arrested

Minimum Competence

Play Episode Listen Later Feb 2, 2026 8:22


This Day in Legal History: Treaty of Guadalupe HidalgoOn February 2, 1848, the Treaty of Guadalupe Hidalgo was signed, officially ending the Mexican-American War and significantly altering the legal and territorial landscape of the United States. The treaty ceded vast swaths of land to the U.S., including present-day California, Arizona, New Mexico, and parts of several other western states—about half of Mexico's territory at the time. In exchange, the U.S. paid Mexico $15 million and assumed $3.25 million in claims by American citizens against Mexico. Legally, the treaty promised to protect the property rights and civil liberties of Mexican nationals living in the newly acquired territories, but these promises were inconsistently honored in practice.The treaty's ratification triggered significant legal and constitutional debates about the extension of slavery into new territories, setting the stage for the intensifying sectional conflicts that led to the Civil War. It also marked the beginning of long-standing disputes over land grants and water rights that would shape western property law. Moreover, the treaty's vague wording left many issues—such as tribal sovereignty and citizenship—unresolved, leading to future litigation and policy struggles.The treaty was signed in the town of Guadalupe Hidalgo, near Mexico City, and ratified by the U.S. Senate in March 1848. It remains a foundational document in U.S. legal history, frequently cited in discussions of land rights, citizenship, and the limits of treaty enforcement.Our first story today is a bit off topic.In today's digital world, every click, swipe, and login happens under a legal regime you didn't negotiate—Terms of Service, Privacy Policies, and community guidelines that quietly shape your rights and obligations online. These documents form a system of private lawmaking, where companies act as legislators, drafting rules users must follow, often with little recourse or transparency. You don't sign them, but courts often treat them as binding contracts. Clauses about arbitration, content ownership, surveillance, and data sharing carry real legal weight. Yet these terms can change overnight, unilaterally, and without notice.TOSTracker was created to bring transparency to this ecosystem. It's a non-commercial research tool that tracks and archives the evolution of digital contracts over time. With over 150 companies and nearly 250 historical versions of key documents thus far, TOSTracker offers timestamped, hash-verified, and citable records of how these texts change. It provides full version histories, detects redlines at the word and section level, and supports programmatic access through an API. Whether you're studying arbitration creep, GDPR compliance, or how moderation rules evolve, TOSTracker gives you the empirical backbone to do it.All content is normalized and archived via the Internet Archive's Wayback Machine, with cryptographic hashes ensuring document integrity. Importantly, it doesn't interpret the law—it captures the text and structure so you can. For legal researchers, privacy advocates, and anyone concerned with digital governance, this is a window into how private law is made, revised, and enforced online. It's not a product; it's a dataset, an archive, and a call to look more closely at the legal architecture of everyday tech.We're also actively seeking contributors to help expand the archive. If you come across a consumer-facing legal document—like a Terms of Service, Privacy Policy, community guidelines, or EULA—that isn't already tracked, you can submit it directly through the site. This includes documents behind logins, from smaller platforms, or covering underrepresented industries and regions. Submissions help close coverage gaps, diversify the dataset, and improve the foundation for legal research into how digital rights are defined and redefined over time. Your input directly supports transparency in an area where the law is often invisible.Check it out at tostracker.app if your research overlaps with digital contracts, user rights, or the evolving boundary between public law and platform governance.The U.S. Federal Trade Commission (FTC) has sent warning letters to 42 major law firms over concerns that their diversity, equity, and inclusion (DEI) hiring practices may be anticompetitive. The FTC emphasized that firm-wide agreements to meet diversity benchmarks—particularly those tied to programs like Diversity Lab's certification—could unlawfully restrict competition in the legal labor market by influencing hiring, compensation, or promotions. These letters arrive amid a broader rollback of DEI initiatives under President Donald Trump's administration, which has eliminated related programs in government and targeted private sector efforts.Firms such as Paul Weiss, WilmerHale, Perkins Coie, Skadden Arps, and Latham & Watkins—some of which had previously been challenged by Trump-era executive orders—are among those named. Some reached compromises with the White House, offering pro bono legal work in exchange for eased scrutiny, while others fought and won legal challenges against the orders. The FTC's scrutiny centers on participation in Diversity Lab's voluntary DEI certification, which encourages firms to ensure at least 30% of leadership candidates are from underrepresented groups. Though previously upheld in court as non-discriminatory, the FTC now frames such collective DEI practices as potentially violating competition law.US Federal Trade Commission warns law firms about DEI hiring | ReutersImmigrant rights groups filed a federal lawsuit in Boston challenging a new U.S. Immigration and Customs Enforcement (ICE) policy that allows agents to enter homes without judicial warrants. The suit, brought by the Greater Boston Latino Network and the Brazilian Worker Center, targets a May 2025 memo—recently revealed via a whistleblower complaint—that permits ICE officers to use administrative warrants instead of warrants signed by a federal judge. These administrative forms, issued internally by the Department of Homeland Security, were previously insufficient for home entries under longstanding practice.The plaintiffs argue that using such warrants for home arrests violates the Fourth Amendment, which guards against unreasonable searches and seizures. Legal advocates claim the policy removes a crucial constitutional safeguard just as ICE ramps up enforcement tactics in states like Minnesota, where multiple recent actions have already been deemed unlawful by judges. The lawsuit comes after fatal incidents in Minneapolis during anti-ICE protests, intensifying scrutiny of federal immigration operations.ICE officials defend the policy, asserting that individuals subject to removal have already received due process. However, the lawsuit challenges that rationale, pointing out that due process does not override constitutional protections against warrantless home intrusions.Lawsuit challenges ICE ability to enter homes without warrants from US judges | ReutersFormer CNN anchor Don Lemon is facing federal charges over his role in covering a protest at a Minnesota church opposing President Trump's immigration crackdown. The protest, which disrupted a church service in St. Paul on January 18, was livestreamed by Lemon and targeted the church because one pastor was allegedly also an ICE official. Lemon was arrested by the FBI, spent a night in custody, and appeared in court where he confirmed he plans to plead not guilty. He and six others, including independent journalist Georgia Fort, were indicted under laws prohibiting obstruction of access to houses of worship—a legal framework typically used against abortion clinic protests.Free press advocates and constitutional lawyers are raising concerns about the charges, framing them as part of a broader pattern of the Trump administration targeting critics, including journalists. Lemon's attorneys argue this is a political prosecution meant to suppress press freedom and distract from ongoing crises. In the archived livestream, Lemon is seen documenting the protest rather than leading it, further fueling First Amendment concerns. The DOJ's case hinges on a controversial interpretation of laws rarely, if ever, used to prosecute journalists for protest coverage after the fact. Legal experts say there is no clear precedent for the charges, and press freedom groups are warning of escalating threats to constitutional protections.Ex-CNN journalist Don Lemon faces Minnesota protest charges | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Second Request
Airlines Know More About You Than You Think (TCF Investigates)

Second Request

Play Episode Listen Later Jan 30, 2026 37:32


Today on The Capitol Forum Investigates, correspondent Krista Brown discusses the use of artificial intelligence in airline pricing, and how it could potentially lead to personalized prices for plane tickets. Aviation expert Bill McGee of the American Economic Liberties Project explains how consolidation in the airline sector has led to price gouging for passengers. Noah Giansiracusa, author of the book Robin Hood Math: Take Control of the Algorithms That Control Your Life explains how companies can exploit personal user data without their knowledge to determine prices. Follow The Capitol Forum on Linkedin and BlueskySend tips to tips@thecapitolforum.com

Tech Path Podcast
Gov Wants "Kill Switch" on Crypto!?

Tech Path Podcast

Play Episode Listen Later Jan 28, 2026 13:21 Transcription Available


Leading advocacy groups from across the US digital asset sector have urged the Federal Trade Commission to adopt a more restrained and technologically informed approach to consumer protection. Meanwhile, tokenized stocks are exploding in adoption.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 intro00:06 Tangem: Sponsor00:29 CLARITY Act odds00:59 Amendments Coming01:19 Senate is in JP Morgan's Pocket02:18 JP Morgan raids SEC office03:36 DTCC Enabling Tokenized Stocks04:16 Securitize vs DTCC05:00 FTC Wants "Kill Switch" on Crypto05:45 Robinhood enabling Tokenized Stocks06:30 Gamestop Anniversary07:00 Jupiter x Ondo07:27 $JUP and $HYPE07:50 Solana Tokenized Stocks08:42 Avalanche RWA Incoming09:20 Vault Explosion Incoming09:52 Stablecoins vs Visa & Mastercard10:41 IRS Forcing Users into DeFi11:46 Gold & Silver Skyrocketing12:38 Ethereum Wins With CLARITY13:03 outro#Crypto #bitcoin #Ethereum~Gov Wants "Kill Switch" on Crypto!?

The Hormone P.U.Z.Z.L.E Podcast
Why Infertility Is a Puzzle Not a Single Diagnosis - Inside the Fertility Puzzle with Dr. Kela

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Jan 27, 2026 22:41


In episode #418 of The Hormone Puzzle Podcast, our host, Dr. Kela Smith, talks about Why Infertility Is a Puzzle Not a Single Diagnosis - Inside the Fertility Puzzle with Dr. Kela. At the end of every month on The Hormone Puzzle Podcast, Dr. Kela takes you Inside the Fertility Puzzle with a special solo episode dedicated to key fertility topics. From optimizing hormones and decoding lab results to fostering emotional resilience, these episodes deliver actionable advice and expert insights to support your journey to conception. Designed to equip you with the tools and knowledge needed to navigate your unique fertility challenges, this series is your guide to empowerment and clarity. Tune in and let's work together to solve your fertility puzzle with confidence! More about Dr. Kela: Dr. Kela Smith is a leading Holistic Integrative Fertility & Hormone Doctor, dedicated to supporting women and couples facing fertility challenges. After overcoming her own fertility struggles using the Hormone P.U.Z.Z.L.E Method, it has been her mission to help others solve their infertility puzzles so they can get and stay pregnant, have a healthy happy pregnancy, and easy postpartum. An accomplished author, she also hosts Solving-Infertility Summit, and Healthy Happy Pregnancy Summit. Dr. Kela's expertise also extends to guiding and inspiring future fertility experts as the lead educator at the Hormone Puzzle Society Educational Institute. Thank you for listening! This episode is brought to you in partnership with Puzzle Brew Fertility tea - https://hormonepuzzlesociety.com/fertility-tea Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

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NerdWallet's MoneyFix Podcast
Tax Season Scams and Identity Theft Red Flags, Plus a 401(k) and IRA Rollover Lightning Round

NerdWallet's MoneyFix Podcast

Play Episode Listen Later Jan 26, 2026 41:37


Protect your identity from tax-season scams and learn when 401(k) and IRA rollovers make sense. How do you roll over old 401(k)s and IRAs? And is a mega backdoor Roth worth the hassle? Hosts Sean Pyles and Elizabeth Ayoola answer listener questions about retirement account rollovers, including when consolidation can help and how to avoid common missteps. But first, they kick off Identity Theft Awareness Week (and tax season) with a refresher on how you can protect your data, including pausing before you click or pay, updating passwords and tightening account security, and recognizing common scam tactics like fake websites, IRS impostors, smishing, and AI-powered impersonation. Then, investing Nerd Sam Taube joins Sean and Elizabeth for a lightning round all about retirement account rollovers. They answer listener questions about whether to roll over and consolidate multiple old 401(k) accounts, whether a mega backdoor Roth is worth the hassle and potential tax complexity, whether consolidating multiple IRAs is likely to boost returns or mainly simplify finances, and whether rollover IRAs have the same bankruptcy and creditor protections as 401(k)s. Links discussed in this episode:  Report fraud through the FTC: https://reportfraud.ftc.gov/ 5 Low-Cost Target-Date Funds for 2026 https://www.nerdwallet.com/investing/learn/what-is-a-target-date-fund-and-when-should-you-invest-in-one  Mutual Fund Calculator: Growth and Fees https://www.nerdwallet.com/investing/calculators/mutual-fund-calculator  Best IRA Accounts for 2026 https://www.nerdwallet.com/retirement/best/ira-accounts  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: tax season scams, identity theft, phishing scams, smishing, gift card draining, fake websites, IRS impostor scam, government impostor scam, emergency scam, bogus debt scam, employment scams, AI scams, voice cloning, deepfake scams, data breaches, mail theft, public Wi-Fi risks, password updates, credit report monitoring, billing statement review, Federal Trade Commission, reporting fraud, 401(k) rollover, IRA rollover, consolidating retirement accounts, legacy 401(k)s, target-date funds, expense ratios, mutual fund screener, after-tax 401(k) contributions, employer match, mega backdoor Roth, Roth conversion, pro-rata rule, taxes on investment gains, conversion limits, managed accounts vs self-directed investing, robo-advisor investing, beneficiary organization, bankruptcy protection, creditor protection, and rollover IRA protections. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Engadget
Is OpenAI's GPT-5.2 model citing Grokipedia? Apple to reveal its Gemini-powered Siri soon, and US Congress members are calling for a 'thorough review' of EA's $55 billion sale

Engadget

Play Episode Listen Later Jan 26, 2026 6:48


-OpenAI may have called GPT-5.2 its "most advanced frontier model for professional work," but tests conducted by the Guardian cast doubt on its credibility. According to the report, OpenAI's GPT-5.2 model cited Grokipedia, the online encyclopedia powered by xAI, when it came to specific, but controversial topics related to Iran or the Holocaust. -According to Bloomberg's Mark Gurman, Apple wants to announce a new Siri in "the second half of February" that will show off the results of its recently announced partnership with Google and offer demonstrations of the Gemini-powered capabilities. -Before Electronic Arts goes private in a groundbreaking sale, some US lawmakers are pleading for some federal oversight. Democratic members of the US Congress, as part of the Congressional Labor Caucus, penned a letter asking the Federal Trade Commission to "thoroughly review" the $55 billion acquisition of EA. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Real World Nutrition
Dietary Supplements and Affiliate Links: What Consumers Need to Know

Real World Nutrition

Play Episode Listen Later Jan 23, 2026 21:46


Dietary supplements are widely used, yet many people do not understand how they are regulated or how marketing influences what they see online. This episode explains how supplements are regulated in the United States, what the Dietary Supplement Health and Education Act means for consumers, and why affiliate links matter.   The discussion covers common red flags in supplement marketing, including fear-based messaging, exaggerated claims, lack of transparency, and misuse of credentials. It also explains the role of the Federal Trade Commission in requiring disclosure of paid partnerships and affiliate relationships.   Listeners will learn how to evaluate supplement claims, identify reliable sources of information, and understand where supplements may or may not fit into a balanced approach to health. This episode emphasizes critical thinking, evidence-based nutrition, and informed decision-making.   Read more: National Institutes of Health Office of Dietary Supplements Read more: FDA's Dietary Supplement page Read more: Dietary Supplements and Affiliate Links Learn more or contact me: ShelleyRael.com Schedule a complimentary 30-minute introductory call today to discover how I can help you achieve your health and wellness goals. Enroll in the Mini Course: 6 Tips for the Busy Person to Have Sustainable Energy: All-Day Energy Through Food AND Companion Workbook

X22 Report
Bondi Arrests Church Rioters,Trump’s Message At DAVOS Is Loud & Clear & The [DS] Knows It – Ep. 3824

X22 Report

Play Episode Listen Later Jan 22, 2026 102:57


Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe world is continually paying the [CB]s more and more of their hard earned labor. In Germany the people are taxed 42%, almost half of their income. Fed inflation indicator reports no inflation, Truinflation reports inflation is at 1.2%.BoA and Citibank are in talks to offer 10% credit card. Trump says US will the crypto capital of the world. Globalism/[CB] system has failed, the power will return to the people. The patriots are sending a message, DOJ 2.0 is not like DOJ 1.0, same with the FBI, you commit a crime you will be arrested. The message is clear, the protection from these agencies are gone. Bondi arrest the Church rioters. Trump’s message at DAVOS is clear, the [DS] power and agenda is no more. Trump is now in control and the world will begin to move in a different direction, either you are on board or you will be left behind. The power belongs to the people.   Economy https://twitter.com/WallStreetMav/status/2014289396112011443?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Fed’s Favorite Inflation Indicator Refuses To Show Any Signs Of Runaway ‘Trump Tariff’ Costs The Fed’s favorite inflation indicator – Core PCE – rose 0.2% MoM (as expected), which leave it up 2.8% YoY (as expected), slightly lower than September’s +2.9%…   Bear in mind that this morning’s third look at Q3 GDP printed a +2.9% YoY for Core PCE. Under the hood, the biggest driver of Core PCE remains Services costs – not tariff-driven Goods prices…   In fact, on a MoM basis, Non-durable goods prices saw deflation for the second month in a row…   Source: zerohedge.com https://twitter.com/truflation/status/2014322072286302619?s=20 – Food – mostly Eggs – Household durables – particularly housekeeping supplies – Alcohol & tobacco – mostly alcoholic beverages Our number is derived by aggregating millions of real-time price data points every day to calculate a year-over-year CPI % rate. It is comparable but not identical to the survey-based official headline inflation released monthly by the BLS, which was 2.7% for December. Bank Of America, Citigroup May Launch Credit Cards With 10% Rate Two weeks after Trump shocked the world by demanding lenders cap credit card interest rates at 10% for one year, Bank of America and Citigroup are exploring options to do just that in an attempt to placate the president.  Bloomberg reports that both banks are mulling offering cards with a 10% rate cap as one potential solution.  Earlier this week, Trump said he would ask Congress to implement the proposal, giving the financial firms more clarity about what exact path he's pursuing. Bank executives have repeatedly decried the uniform cap, saying it'll cause lenders to have to pull credit lines for consumers.  Source: zerohedge.com Trump sues JPMorgan Chase and CEO Jamie Dimon for $5B over alleged ‘political’ debanking The lawsuit claims JPMorgan’s decision ‘came about as a result of political and social motivations’ to ‘distance itself’ Trump and his ‘conservative political views’  President Donald Trump is suing JPMorgan Chase and its CEO Jamie Dimon in a $5 billion lawsuit filed Thursday, accusing the financial institution of debanking him for political reasons. The president's attorney, Alejandro Brito, filed the lawsuit Thursday morning in Florida state court in Miami on behalf of the president and several of his hospitality companies.  “ Source: foxnews.com https://twitter.com/RapidResponse47/status/2013984082640658888?s=20  WEF Finance/Banking Panel – If Independent National Economies Continue Rising, Global Trade Drops and We Lose Control Globalism in its economic construct is a series of dependencies. If those dependencies are severed, if each country has the ability to feed, produce and innovate independently, then the entire dependency model around globalism collapses. Within the globalism model that was historically created there was a group of people, western nations, banks, finance and various government leaders, who controlled the organization and rules of the trade dependencies.  The action being taken for self-sufficiency, in combination with the approach promoted by President Trump that each nation state should generate their own needs, then the rules-based order that has existed for global trade will collapse. If nations are no longer dependent, they become sovereign – able to exist without the need for support from other nations and systems. If nations are indeed sovereign, then globalism is no longer needed and a threat of the unknown rises. How will nations engage with each other if there is no governing body of western elites to make the rules for engagement?  The need for control is a reaction to fear, and it is the fear of self-reliance that permeates the elitist class within the control structures.   If each nation of the world is operating according to its individual best interests, the position of Donald Trump, then what happens to the governing elite who set up the system of interdependencies. This is the core of their fear. If each nation can suddenly grow tea, what happens to the East India Tea Company.  Who then sets the price for the tea, and worse still an entire distribution system (ships, ports, exchanges, banks, etc.) becomes functionally obsolescent. Source: theconservativetreehouse.com  Political/Rights TWO-TIERED JUSTICE: Conservative Journalist Kaitlin Bennett Charged and Fined for Interviewing Democrats in Public — While Don Lemon Storms Churches With Zero Consequences The United States now operates under a blatantly two-tiered justice system, where conservative journalists are criminally charged for speech in public spaces, while left-wing media figures face zero consequences for harassing Americans and disrupting religious services. Conservative journalist Kaitlin Bennett revealed this week that she was charged with a federal crime and fined by the National Park Service in St. Augustine for the so-called offense of asking Democrats questions on public property. According to Bennett, federal agents targeted her while she was conducting on-the-street interviews, a form of journalism protected by the First Amendment. Despite being on public land, Bennett says she was cited and punished simply for engaging in political speech that the Left finds inconvenient. Bennett addressed the incident directly in a post on X, writing: https://twitter.com/KaitMarieox/status/2014174254799958148?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2014174254799958148%7Ctwgr%5Ef4a6650cd0c60d38edfea018c5665c2cc2fe5199%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Ftwo-tier-justice-conservative-journalist-kaitlin-bennett-charged%2F When asked by another local journalist exactly what “lawful order” Bennett had disobeyed, the ranger reportedly could not provide a straight answer. WATCH: Source: thegatewaypundit.com https://twitter.com/DHSgov/status/2014322865848406370?s=20   Alexander Conejo Arias, fled on foot—abandoning his child. For the child's safety, one of our ICE officers remained with the child while the other officers apprehended Conejo Arias.   Parents are asked if they want to be removed with their children, or ICE will place the children with a safe person the parent designates. This is consistent with past administration's immigration enforcement. Parents can take control of their departure and receive a free flight and $2,600 with the CBP Home app. By using the CBP Home app illegal aliens reserve the chance to come back the right legal way. https://twitter.com/DHSgov/status/2014049440911303019?s=20   inflicting corporal injury on a spouse or cohabitant. An immigration judge issued him a final order of removal in 2019. In a dangerous attempt to evade arrest, this criminal illegal alien weaponized his vehicle and rammed law enforcement. Fearing for his life and safety, an agent fired defensive shots. The criminal illegal alien was not hit and attempted to flee on foot. He was successfully apprehended by law enforcement. The illegal alien was not injured, but a CBP officer was injured.  These dangerous attempts to evade arrest have surged since sanctuary politicians, including Governor Newsom, have encouraged illegal aliens to evade arrest and provided guides advising illegal aliens how to recognize ICE, block entry, and defy arrest. Our officers are now facing a 3,200% increase in vehicle attacks. This situation is evolving, and more information is forthcoming.   https://twitter.com/nicksortor/status/2014063905413177637?s=20  CNN Panelist Issues Retraction and Apology After Going Too Far in On-Air Trump Attack    footage of CNN's “Newsnight with Abby Phillip” was posted to social media platform X featuring 25-year-old leftist activist Cameron Kasky alongside panel mainstay Scott Jennings. A moment between the two went viral when Kasky casually declared that President Donald Trump had been involved in an international sex trafficking ring. Jennings wasn't going to let that remark go unchallenged by host John Berman. The topic of conversation had been Trump's interest in Greenland and the Nobel Peace Prize, but Kasky threw in a jab at Trump with an allusion to the president's relationship with the late sex offender Jeffrey Epstein — an allusion Kasky's now trying to walk back. “I would love it if he was more transparent about the human sex trafficking network that he was a part of, but you can't win 'em all,” he blurted out. https://twitter.com/overton_news/status/2013455047288377517?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2013455047288377517%7Ctwgr%5E20edbbd712c7076d1aafdac2d1e39d7eb8307263%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fcnn-panelist-issues-retraction-apology-going-far-air%2F   Berman asked Jennings a follow-up question about Greenland, but instead of addressing that, Jennings circled back to Kasky's remark. “You're gonna let that sit?” Jennings asked Berman. “Are we going to claim here on CNN that the president is part of a global sex trafficking ring or …?” After assuring Jennings that he would do the fact-checking, Berman asked Kasky to repeat what he'd said about the global sex-trafficking ring. “That Donald Trump was … probably … very involved with it,” the arrogant young man replied, with perhaps a touch less confidence. To Berman's credit, and the CNN legal team's, he immediately said, “Donald Trump has never been charged with any crimes in relation to Jeffrey Epstein.” https://twitter.com/camkasky/status/2013760245298864477?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2013760245298864477%7Ctwgr%5E20edbbd712c7076d1aafdac2d1e39d7eb8307263%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fcnn-panelist-issues-retraction-apology-going-far-air%2F Source: thegatewaypundit.com https://twitter.com/ElectionWiz/status/2014189561002291385?s=20 DOGE Geopolitical https://twitter.com/brentdsadler/status/2014311942119137584?s=20  important as these agreements cover the entirety of the Chagos group of islands/features. Critical as future third party presence in those areas proximate Diego Garcia could in practical terms render those U.S. military facilities operationally impractical (ie useless). The current deal under consideration in the UK parliament in a rushed vote as soon as 2 February is ill advised. And it likely would break the decades long understanding with the U.S. government. See: Active U.S. treaties: https://state.gov/wp-content/uploads/2025/08/Treaties-in-Force-2025-FINAL.pdf 1966 Foundational Understanding: https://treaties.un.org/doc/Publication/UNTS/Volume%20603/volume-603-I-8737-English.pdf 1972 Understanding regarding new facilities on Diego Garcia: https://treaties.un.org/doc/Publication/UNTS/Volume%20866/volume-866-I-8737-English.pdf 1976 Understanding and concurrence on new communications facilities on Diego Garcia and references as foundational the 1966 Understanding: https://treaties.fcdo.gov.uk/data/Library2/pdf/1976-TS0019.pdf?utm_source https://twitter.com/HansMahncke/status/2014150131247874267?s=20 The EU-Mercosur deal is a major free trade agreement between the European Union and the Mercosur bloc (Argentina, Brazil, Paraguay, and Uruguay). Negotiated for over 25 years, it aims to create one of the world’s largest free trade zones, covering more than 700 million people and reducing tariffs on goods like cars, machinery, pharmaceuticals, and agricultural products.  It includes commitments on sustainability, labor rights, and environmental protections, but critics argue these are insufficient to address issues like Amazon deforestation and unfair competition for European farmers. The agreement was politically finalized in 2019 but faced delays due to environmental concerns and opposition from countries like France and Austria. It was formally signed on January 17, 2026, after EU member states (with a qualified majority, despite opposition from five countries including France) greenlit it on January 9.  The Stupidity of Davos Explained Using an Example of Their Own Creation China is manufacturing a product to create a carbon credit certificate in response to the demand for carbon credits from all the world auto-makers.  Any nation that has a penalty or fine attached to their climate goals is a customer. Those are nations with fines or quotas associated with the production of gasoline powered engines if the auto company doesn't hit the legislated target for sales of electric vehicles. In essence, EU/AU/CA/RU/ASEAN car companies buy Chinese car company carbon credits, to avoid the EU/AU/CA/RU/ASEAN fines.  The Chinese then use the carbon credit revenue to subsidize even lower priced Chinese EVs to the EU/AU/CA/RU/ASEAN car markets, thereby undercutting the EU/AU/CA/RU/ASEAN car companies that also produce EVs. China brilliantly exploits the ridiculous pontificating climate scam and has an interest in perpetuating -even emphasizing- the need for the EU/AU/RU/ASEAN countries to keep pushing their climate agenda.  China even goes so far as to fund alarmism research about climate change because they are making money selling carbon credit certificates on the back end of the scam to the western fear mongers.  This is friggin' brilliant.   The climate change alarmists are helping China's economy by pushing ever escalating fear of climate change.  You just cannot make this stuff up. What does the outcome look like? Well, in this example we see hundreds of thousands of unsold BYDs piling up in countries that emphasize climate regulations with no restrictions on the import of EVs (which most don't even manufacture), which is almost every country.  Big Panda doesn't care about the car itself; they care about generating the carbon credit certificate to sell in the various carbon exchanges. Put this context to the recent announcement by Canadian Prime Minister Mark Carney about his new trade deal with China to accept 49,000 EVs this year. Prime Minister Carney bragged about getting the Chinese to agree to only super low prices for the Canadian market.  Mark Carney was very proud of his accomplishment to get much lower priced vehicles for Canadian EV purchasers.   No doubt Big Panda left the room laughing as soon as Carney made his grand announcement. 1. China sells EV's in Canada, creating credits available on the carbon exchange scheme. Europe et al will purchase the carbon credits because Bussels has fines against EU car companies. 2. With a foothold already established in Europe, China will then take the money generated by the carbon credit purchases and lower the prices of the Chinese EV cars sold in Canada. It's gets funnier. 3. Carney bragged about forcing China to only sell low price EV's as part of the trade agreement. The low price of the EV's in Canada will be subsidized by Europe. China doesn't pay or lose a dime. But wait…. 4. Carney can't do anything about the scheme he has just enmeshed Canada into, because Canada has a Carbon Credit exchange in law.

america american amazon texas money canada donald trump church europe english israel uk china peace france media state americans germany canadian parents miami food russia european chinese joe biden elections board left european union minnesota open mom brazil congress bank bear turkey fbi iran argentina trial cnn clear force alcohol services republicans wall street journal ice minneapolis democrats nigeria bernie sanders indonesia gaza fox news direction saudi arabia pakistan austria democratic syria conservatives qatar snap loud dei bloomberg fed eggs ev hungary morocco jeffrey epstein household uruguay davos greenland jimmy kimmel polls gavin newsom doj yemen first amendment bulgaria jp morgan fcc emmanuel macron usda goods elizabeth warren mongolia kazakhstan jennings paraguay evs kosovo cb nobel peace prize ds armenia volodymyr zelenskyy fearing bahrain cpi stephen colbert united arab emirates dhs azerbaijan arrests stupidity jp morgan chase aba colbert carney blackwell boa bondi don lemon berman 5b federal trade commission fined uzbekistan citibank national park service duluth citigroup menendez jack smith district court mark carney tro bank of america jamie dimon mercosur cbp rioters yoy pollsters bls insurrection act fourth amendment liberian treaties magistrate nineteenth fafo newsnight negotiated chinese ev scott jennings diego garcia ag garland perkins coie createelement chagos american journalism abby phillip q3 gdp getelementbyid parentnode homeland security investigations cities church fergus falls magistrate judge core pce kaitlin bennett communications act cameron kasky john berman hoque sevis brasel kasky
Caveat
The expanding reach of surveillance.

Caveat

Play Episode Listen Later Jan 22, 2026 52:55


Today we are joined by Brian McGinnis, partner at Barnes & Thornburg LLP, who is discussing youth protection and data privacy and the Federal Trade Commission. Ben has the story of the Supreme Court agreeing to take up a high-profile case on geofence warrants. Dave takes a look at the global question of digital sovereignty. While this show covers legal topics, and Ben is a lawyer, the views expressed do not constitute legal advice. For official legal advice on any of the topics we cover, please contact your attorney.  Links to today's stories: ⁠⁠⁠⁠Supreme Court to decide legality of geofence search warrants Every data centre is a U.S. military base Get the weekly Caveat Briefing delivered to your inbox. Like what you heard? Be sure to check out and subscribe to our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caveat Briefing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, a weekly newsletter available exclusively to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠N2K Pro⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ members on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠N2K CyberWire's⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ website. N2K Pro members receive our Thursday wrap-up covering the latest in privacy, policy, and research news, including incidents, techniques, compliance, trends, and more. This week's ⁠⁠⁠⁠Caveat Briefing⁠⁠⁠⁠ covers ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Trump and states Aim to stop A.I. from inflating energy bills, as the Trump administration works with state leaders to prevent the rapid expansion of power-hungry A.I. data centers from pushing higher electricity costs onto consumers. Officials want major tech companies to shoulder more of the expense, though experts warn any relief for ratepayers is unlikely to come quickly. Curious about the details? Head over to the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caveat Briefing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for the full scoop and additional compelling stories. Got a question you'd like us to answer on our show? You can send your audio file to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠caveat@thecyberwire.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Hope to hear from you. Learn more about your ad choices. Visit megaphone.fm/adchoices

KMJ's Afternoon Drive
Trump Targets Wall Street with New EO on Buying Up Single-Family Homes

KMJ's Afternoon Drive

Play Episode Listen Later Jan 22, 2026 15:19 Transcription Available


President Donald Trump signed an executive order that calls on both the Justice Department and Federal Trade Commission to use antitrust laws to review substantial acquisitions, including series of acquisitions, by large institutional investors of single-family homes in local single-family housing markets. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

AP Audio Stories
FTC says it will appeal Meta antitrust decision

AP Audio Stories

Play Episode Listen Later Jan 21, 2026 0:39


The Federal Trade Commission says it's not going to drop its allegations that Meta is a monopoly. AP correspondent Donna Warder reports.

The Hormone P.U.Z.Z.L.E Podcast
The Gut–Hormone Connection with Eli Brecher

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Jan 20, 2026 28:04


In episode #417 of The Hormone Puzzle Podcast, our guest,Eli Brecher, talks about The Gut–Hormone Connection. More about Eli Brecher: Eli Brecher is a Registered Nutritionist (ANutr) on a mission is to help people transform their health in mind, body and gut. Her unique signature system, The Mind, Body, Gut Method™, combines science-backed principles and personalised nutrition advice with lifestyle strategies, mindset practices and the ongoing accountability that you'll need to thrive on your health journey. Eli delivers corporate nutrition talks and is also the host of The Gut 360 Podcast, which aims to empower you to build a healthier gut and a happier life using a 360° approach to wellbeing. Thank you for listening! This episode is made possible by the Solving Infertility Summit. https://www.solving-infertility.com Follow Eli on Instagram: @‌elibrechernutrition Get her FREE Training: The Gut 360 Masterclass HERE. Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

united states body mind hormones gut federal trade commission kela brecher hormone puzzle society solving infertility summit
The Coffee Klatch with Robert Reich
Trump Gives America the Finger | The Coffee Klatch for Saturday, January 17, 2026

The Coffee Klatch with Robert Reich

Play Episode Listen Later Jan 17, 2026 53:46


Friends,Today Heather and I grapple with the inescapable reality that Trump has turned America into a fascist state. From the streets of Minneapolis to the shores of Greenland, violence and the threat of violence prevail. By contrast, we talk with Lina Khan, former chair of the Federal Trade Commission and co-chair of Mayor Mamdani's transition team, about how Mayor Mamdani has launched his social-democratic administration in New York. And Heather and I explore specific steps you can take to fight this scourge.Please pull up a chair, grab a cuppa, and join in the conversation — and the movement. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit robertreich.substack.com/subscribe

Second Request
The Case Against AirBnb (Second Request)

Second Request

Play Episode Listen Later Jan 16, 2026 60:32


Today on Second Request, Executive Editor Teddy Downey sits down with antitrust expert Hal Singer, who argues why AirBnb is violating antitrust laws, and how enforcement could address distortions in the housing and rental markets. The conversation centers on Singer's recent article, “The Antitrust Case Against Airbnb,” which analyzes how Airbnb's “Smart Pricing” algorithm may facilitate price coordination among short-term rental hosts, the broader effects of short-term rental platforms on housing supply and rents, and the challenges regulators face in applying antitrust law to platform-based and AI-driven pricing models.To learn more about The Capitol Forum click here.

The Hormone P.U.Z.Z.L.E Podcast
Managing Mental Health and Fertility with Beth Gulotta

The Hormone P.U.Z.Z.L.E Podcast

Play Episode Listen Later Jan 13, 2026 44:37


In episode #416 of The Hormone Puzzle Podcast, our guest, Beth Gulotta, talks about Managing Mental Health and Fertility. More about Beth Gulotta: Beth Gulotta, LMHC is a Licensed Mental Health Counselor, founder of NYC Therapeutic Wellness, and host of Quiet the Clock, a podcast dedicated to challenging societal timelines around relationships, fertility, and fulfillment. Based in New York City, Beth specializes in supporting individuals through anxiety, life transitions, and the pressures of modern life. Beth's path to counseling was personal. After starting her career in finance, she pursued deeper alignment and earned her Master of Science in Mental Health Counseling from Manhattan College. She gained extensive outpatient clinical experience before founding NYC Therapeutic Wellness, where she emphasizes a collaborative, personalized approach to care. Through her therapy practice, speaking, and podcast, Beth empowers individuals—especially women—to trust their own timelines and create meaningful lives on their own terms. Thank you for listening! This episode is made possible by the Solving Infertility Summit. https://www.solving-infertility.com Follow Beth on Instagram: @‌quiettheclockpod Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://hormonepuzzlesociety.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@hormonepuzzlesociety.com

On the Media
Trump Guns for the FTC. Plus, Are We the Losers in the Paramount v Netflix Battle?

On the Media

Play Episode Listen Later Dec 13, 2025 51:57


The Supreme Court appears ready to let Donald Trump fire Federal Trade Commission members at will. On this week's On the Media, why the court's expansion of presidential powers would impact the entire government. Plus, how two Hollywood giants are squaring off over a massive merger. [02:47] Host Brooke Gladstone sits down with Noah Rosenblum, associate professor of law at New York University, to discuss how the Supreme Court's pending decision in Trump v. Slaughter could radically expand the president's power, and the history behind the case. [23:02] Host Micah Loewinger talks with Oliver Darcy, lead author of the newsletter Status and co-host of the podcast Power Lines, about the moguls at Netflix and Paramount Skydance battling over Warner Brothers Discovery, and what this means for the future of CNN, which is owned by Warner Brothers Discovery, and Hollywood. [37:41] Micah speaks with Joel Simon, founding director of the Journalism Protection Initiative at the Craig Newmark Graduate School of Journalism, about what happened with Blake Lively's legal team subpoenaed Perez Hilton, the gossip blogger, and why expanding the legal framework of journalistic protections is essential.  Further reading / watching:The Supreme Court Is About to Hand Trump a Cudgel in the Paramount-Netflix Fight, by Mark Joseph SternThe CNN Sacrifice, by Oliver DarcyThe O.G. News Influencer, by Joel Simon   On the Media is supported by listeners like you. Support OTM by donating today (https://pledge.wnyc.org/support/otm). Follow our show on Instagram, Twitter and Facebook @onthemedia, and share your thoughts with us by emailing onthemedia@wnyc.org.

Opening Arguments
But Who Will Execute the Executer? The Supreme Court.

Opening Arguments

Play Episode Listen Later Dec 12, 2025 60:58


OA1215 - We examine why the potential merger of Warner Brothers Discovery with either Netflix or Paramount would almost be certainly illegal under better circumstances before mourning the imminent loss of the independence of the one government agency which is supposed to stop this kind of thing. What exactly is the Federal Trade Commission, and why was destroying it a top priority for Project 2025? We then take a closer look at this week's oral arguments in Trump v. Slaughter, in which the Supreme Court's MAGA majority is poised to turn the FTC and dozens of other independent agencies into tools for Trump's corruption and graft. Finally, in today's footnote: why is an actual government website hawking the Trump Gold Card, and can the President really just make up a completely new way to give anyone with one million dollars a new path to US citizenship? Trump v. Slaughter oral arguments (12/8/2025) Humphrey's Executor v. US, 295 US 602 (1935) Federal Trade Commission Act (1914) Rebecca Slaughter's SCOTUS brief Trumpcard.gov Check out the OA Linktree for all the places to go and things to do!

X22 Report
[DS] Division Push Is Crumbling,Trump Sets The Midterm Direction,People Have The Power – Ep. 3793

X22 Report

Play Episode Listen Later Dec 11, 2025 119:00


Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe D’s have lost he narrative, they are trying to blame Trump for the affordability crisis, but he is turning it around on them. The autopen was used to bring Powell, Trump wants it investigated.The gold card has gone live, timing is everything. The affordability crisis is about the [CB]. The [DS] along with foreign gov have been trying to divide the people and the MAGA movement. It is not working, it crumbling and people are learning the truth once again. Trump sets the message and the direction of the midterms. The [DS] is struggling, they will not be able to overcome the economic factor in 2026. This will give the people the power to override anything the [DS] tries to do. Economy (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); “Democrats Know Their Constituents Can’t Read Charts. That’s Why…” Another attempted “gotcha moment” on X by Democrats backfired, revealing that their political strategists and whoever handles their social media accounts lack the most basic chart-reading skills. However, X users pointed out that these political operatives aren’t DEI fools; instead, they seem incapable of telling the truth. https://twitter.com/MajorityPAC/status/1998434136483410412?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1998434136483410412%7Ctwgr%5E1e2efe6a29f9c814decbe7c889387ccc40d1410c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.zerohedge.com%2Fpolitical%2Fdemocrats-know-their-constituents-cant-read-charts-thats-why Just like eggs earlier this year and power bills this fall, Democrat operatives are seizing any opportunity to blame Trump for soaring prices that mainly occurred in the previous four years. X user ALX shows why context matters.  Source: zerohedge.com https://twitter.com/StephenMoore/status/1998763870001991751?s=20 https://twitter.com/amuse/status/1998789965254144171?s=20 https://twitter.com/EricLDaugh/status/1998830464321323091?s=20  into 2026. The Fed must do the right thing! https://twitter.com/amuse/status/1998841970559512878?s=20  to inject $40 billion per month into Treasury bill purchases beginning December 12. The combined policies strengthen liquidity, reduce borrowing costs, and ease credit strains that often stall growth. Bank of America says both stocks and crypto stand to gain as confidence rises. The Fed's actions confirm the resilience of Trump's expanding second term economy. https://twitter.com/Osint613/status/1999098794412319027?s=20 The post highlights a Wall Street Journal report on Ionic Rare Earths’ discovery of 16 rare earth and critical minerals in Utah’s Mill Creek area, including high-grade lithium and gallium, positioning it as the U.S.’s largest such reserve to reduce reliance on China, which controls 90% of global processing. An aerial image shows the arid Utah landscape near the Great Salt Lake with visible mining pits, underscoring the site’s remote, geologically rich Basin and Range province, where USGS surveys identified potential for 1.5 million tons of rare earth oxides  https://twitter.com/disclosetv/status/1998846082953130482?s=20 The Trump Gold Card program, launched via executive order in 2025, allows foreign nationals (primarily investors or those sponsored by corporations) to apply for a U.S. green card through expedited channels like EB-1(a) for extraordinary ability or EB-2 national interest waiver. It requires a nonrefundable $15,000 processing fee plus a “contribution” or “gift” of at least $1 million per individual (or $2 million via an employer sponsor), with additional amounts for dependents. The funds go to entities like the U.S. Department of Commerce, and applicants must prove a lawful source of money, similar to the EB-5 investor visa.  The process involves filing a new Form I-140G, followed by consular processing abroad—no in-country adjustment of status is allowed—and approvals can happen in weeks, though backlogs from per-country caps (especially for Indian or Chinese nationals) may still cause delays for the actual green card. This program is separate from the H-1B visa system, which remains a temporary work visa for skilled professionals with issues like annual caps (85,000 visas, including 20,000 for advanced degree holders), a random lottery selection process, and criticisms of abuse (e.g., companies using it to displace U.S. workers or suppress wages via outsourcing firms). In fact, alongside the Gold Card, the Trump administration introduced a separate $100,000 one-time entry fee for H-1B applicants to deter such abuses and ensure only “the best and brightest” use it. https://twitter.com/TheRubberDuck79/status/1998791717752062345?s=20  Autopen. https://twitter.com/KobeissiLetter/status/1998407015756964343?s=20   to decide if it gets a floor vote. I hope they do the right thing. The Affordability Crisis Is Not a ‘Hoax.' It Is an Existential Threat to the American Dream.  Recently, President Trump has been quoted as referring to the affordability crisis as a “Democrat scam,” “hoax,” and “con job.” Although I think Trump was likely trying to remind Americans that policies enacted when Democrats had total control of the federal government under the first two years of the Biden administration accelerated and exacerbated the affordability problem, it is dangerous for the president to use that type of language. Already, mainstream media reprobates are twisting Trump's words, leading people to believe that he is saying the affordability crisis does not exist.  In proper context, Trump is not denying that middle- and lower-class Americans are struggling to make ends meet; rather, he is trying to assign blame and hang the affordability crisis on the Democrats. But even doing that is politically unwise.  The American people are not nearly as concerned with pointing fault as they are with seeking immediately viable solutions to the untenable reality they face. For many Americans, the affordability crisis is so severe that they think the American dream is no longer within reach. In fact, only 22 percent of young Americans think they will be better off than their parents. Source: redstate.com Political/Rights https://twitter.com/TriciaOhio/status/1999146290584678721?s=20 https://twitter.com/seanmdav/status/1998819294658842681?s=20 https://twitter.com/DHSgov/status/1998773065870708813?s=20 https://twitter.com/RapidResponse47/status/1999144165213380788?s=20 We hope the headlines and social media likes are worth it. DHS: Legacy Media Report Leaves Out an Important Detail on ICE Purchasing Planes for Deportations The Department of Homeland Security (DHS) confirmed  the agency has inked a deal for the purchase of six planes for nearly $140 million, which will aid Immigration and Customs Enforcement (ICE) in deportations, allowing them to bypass charter airlines. The Post report read: https://twitter.com/TriciaOhio/status/1998794208736411870?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1998794208736411870%7Ctwgr%5Ebd9d4a7f5e7443f5f0455bfbeb427e17d3fa2b05%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fkatie-jerkovich%2F2025%2F12%2F10%2Fdhs-confirms-excellent-news-about-deportations-and-its-own-fleet-n2197015 flight patterns.    President Trump and @Sec_Noem are committed to quickly and efficiently getting criminal illegal aliens OUT of our country. Source: redstate.com US To Ask Visitors For 5 Years Of Social Media History Under New Plan The United States is planning to require visitors from dozens of countries on the visa waiver program to provide up to five years of their social media history, according to a proposal from the US Customs and Border Protection posted to the Federal Register on Wednesday. Countries on the list include much of Europe, Australia, New Zealand, South Korea, Japan, Singapore, Qatar, Israel, Chile and Brunei. Citizens or nationals of these countries have been allowed to freely travel to the United States for tourism or business for stays of 90 days or less without obtaining a visa. If the proposal is adopted, they’ll have to share their online footprint – something that immigrant and nonimmigrant visa applicants from different categories have been required to provide since 2019. The list also includes; Telephone numbers used in the last five years Email addresses used in the last 10 years IP addresses and metadata from electronically submitted photos Biometrics – including facial, fingerprint, DNA and Iris data Information about one’s family – including  names, telephone numbers, dates of birth, places of birth and residences. The CBP proposal is open for a 60-day public comment period. ESTA – an automated system, costs $40 and is generally valid for two years. An ESTA holder can enter multiple times during that period. Source: zerohedge.com https://twitter.com/FBIDirectorKash/status/1998484877180604877?s=20   is part of the FBI's Joint Task Force Vulcan investigation out of @FBIHouston to locate, indict, and arrest members of MS-13 leadership “La Mesa.” Great work from @FBIOmaha and partners @HSI_HQ @DEAHQ and more – this admin is taking a whole of government approach to dismantling MS-13 and their presence within the country. DOGE https://twitter.com/elonmusk/status/1998810382576792048?s=20 https://twitter.com/pepesgrandma/status/1998428503759294519?s=20   EU High Level Group on combating hate speech and hate crime that wrote the 2016 Code of Conduct. The Code Conduct is a document agreed upon by social media companies for removing hate. The improved upon “Code of Conduct Plus” continues to be an important tool under the DSA: “On 20 January 2025, the revised Code of conduct on countering illegal hate speech online + (the ‘Code of conduct+') was integrated into the regulatory framework of the Digital Services Act (DSA), following a positive assessment from the Commission and the European Board for Digital Services. The Code of conduct+, which builds on the Code of Conduct adopted in 2016, strengthens the way online platforms deal with content deemed illegal hate speech according to EU law and Member States' laws. It facilitates compliance with and the effective enforcement of the DSA in this specific area.” This new Conduct Code+ was established as a “DSA Code of conduct”. This empowered civil society organisations to act as watchdogs. “Following its integration, adherence to the Code of conduct+ may be considered as an appropriate risk mitigation measure for signatories designated as Very Large Online Platforms (VLOPs) and Search Engines (VLOSEs) under the DSA.” “The DSA classifies platforms or search engines that have more than 45 million users per month in the EU as very large online platforms (VLOPs)” https://twitter.com/emd_worldwide/status/1998556257251152246?s=20   letter confirms the details of that action. And it arrives at a very appropriate moment. As we watch certain officials in Europe experiment with coercive fines, regulatory threats, and pressure campaigns aimed at shaping American political discourse, the Moraes precedent is worth remembering. The United States views foreign attempts to control U.S. speech as a human rights violation and a breach of sovereignty. Geopolitical https://twitter.com/RMistereggen/status/1998419619220996236?s=20 society destabilised? When a country must hand over cash to escape a policy that harms it, the structure stops looking like a union and starts looking like organized coercion. Let's call the EU what it is: its a mafia organisation. Abolish the EU. Unelected Brussels Bureaucrat Demands Trump ‘Show Respect' for EU, as US President Is Chosen ‘The Most Powerful Person in Europe'   Trump is flexing his political and military muscles all over the world. Those who want respect, give respect.     Trump has just been chosen as ‘the most powerful person in Europe'. ‘ Politico reported: “Top EU officials tried to set the record straight Tuesday after U.S. President Donald Trump denounced Europe as a ‘decaying' group of countries ruled by ‘weak' leaders. […] ‘I think they're weak', the Republican said, referring to the continent's presidents and prime ministers, adding, ‘I think they don't know what to do. Europe doesn't know what to do'.” “European Council President António Costa said Europe and the U.S. ‘must act as allies' — and urged the Republican leader to show ‘respect'.   Costa is an unelected bureaucrat – he was not ‘elected', he was ‘appointed' by the same Globalist leaders that are polling 11% to 23% in their countries. Source: thegatewaypundit.com War/Peace https://twitter.com/MarioNawfal/status/1998980234763219052?s=20https://twitter.com/clashreport/status/1999068890421195037?s=20   Impeccable. This clip emerged just as Maria Corina Machado, the woman Maduro has hunted for 16 months, escaped Venezuela and arrived in Oslo to accept the Nobel Peace Prize for fighting his dictatorship. His secret police surrounded the U.S. Embassy thinking she was inside. She slipped out of the country anyway. Her team risked their lives to get her on that plane. Meanwhile, Maduro is on stage crooning about peace. The irony writes itself. https://twitter.com/MarioNawfal/status/1998936856000397477?s=20   showed up in Norway anyway. The 58-year-old opposition leader arrived in Oslo Thursday and waved from the balcony of the Grand Hotel, free and defiant. The Norwegian Nobel Committee awarded her the prize for her fight against what it called a dictatorship. Maduro’s regime tried everything to stop this moment. It didn’t work.  https://twitter.com/clashreport/status/1999068890421195037?s=20   freely in accordance with the regime. https://twitter.com/disclosetv/status/1999065856580661500?s=20 https://twitter.com/EricLDaugh/status/1998879421491483071?s=20   Investigation, Homeland Security Investigations, and the United States Coast Guard, with support from the Department of War, executed a seizure warrant for a crude oil tanker used to transport sanctioned oil from Venezuela and Iran.” “For multiple years, the oil tanker has been sanctioned by the United States due to its involvement in an illicit oil shipping network supporting foreign terrorist organizations. This seizure, completed off the coast of Venezuela, was conducted safely and securely—and our investigation alongside the Department of Homeland Security to prevent the transport of sanctioned oil continues.” https://twitter.com/FBIDirectorKash/status/1998895443347124514?s=20 https://twitter.com/MarioNawfal/status/1999140870516576385?s=20  6th no-confidence vote, Zhelezaykov said, “I hear the public's dissatisfaction and consider the protection of democracy my top priority,” choosing to step down. Protests erupted in November over a 2026 budget packed with tax hikes, higher social contributions, and bloated spending. Even after scrapping the budget, crowds demanded total regime change, early elections, and a crackdown on corruption, culminating in massive rallies yesterday across Sofia and beyond. This is a rare public uprising toppling a government in real-time! With Bulgaria set to join the eurozone on January 1, the collapse risks economic chaos, currency shifts, investor panic, while exposing deep rot (corruption scandals cost $3B yearly, per EU audits). Zhelezaykov's exit might spark a power vacuum, pitting pro-EU reformers against nationalist factions. https://twitter.com/sentdefender/status/1998875723931812291?s=20 https://twitter.com/MarioNawfal/status/1999099346676334925?s=20  Allegations that some staff members may have ties to Hamas, with zero indictments, no formal charges, and no due process. Washington, once UNRWA's biggest donor, froze funding in January 2024 after Israel accused roughly a dozen staff members of involvement in the Oct. 7, 2023, Hamas attack that triggered the war. If the move goes through, it would effectively criminalize a major arm of humanitarian relief in Gaza and beyond. Although, it’s been noted that such sanctions would be highly unusual, since the U.S. is both a U.N. member and the host nation of the body that created the agency in 1949. Despite this, Trump previously reaffirmed that the U.S. would not fund UNRWA earlier this year. In October, Secretary of State Marco Rubio also referred to UNRWA as a subsidiary of Hamas: “UNRWA’s not going to play any role in it… The United Nations is here, we're seeing the work they're doing… They’re on the ground. We’re willing to work with them if they can make it work, but not UNRWA. UNRWA became a subsidiary of Hamas.” https://twitter.com/profstonge/status/1998824786022003044?s=20  billion they seized might well come up   https://twitter.com/WallStreetMav/status/1998849819071353071?s=20   is going to demand their frozen assets be returned. I suspect the current people in power don't expect to be around or forced to deal with that problem when it arises. They just want their money laundering schemes to continue being funded. Short term planning by the EU. https://twitter.com/Reuters/status/1998991133033054636?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1998991133033054636%7Ctwgr%5E279dcf506be99c0c99616930f129b9a99fcd7bf2%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fwatch-ukraine-strikes-another-oil-tanker-russian-shadow%2F https://twitter.com/disclosetv/status/1999118921564090787?s=20 Trump talks Ukraine peace deal with Macron, Merz and Starmer President Donald Trump held a conference call with French President Emmanuel Macron, British Prime Minister Keir Starmer and German Chancellor Friedrich Merz on Wednesday to discuss the war in Ukraine, a White House official said, as the U.S. president continues to push for an end to the conflict while expressing skepticism that Kyiv stands a chance of coming out ahead. Source: politico.com Zelenskyy Signals Openness to Elections After Trump Criticism President Donald Trump on Tuesday pressed Ukraine to hold a presidential election despite its war with Russia, prompting President Volodymyr Zelenskyy to say he is prepared to hold a vote within months if parliament and Western allies make it feasible. Zelenskyy responded, saying the decision is solely for Ukrainians. “This is a question for the people of Ukraine, not people from other states, with all due respect to our partners,” he said. Ukraine’s constitution bars elections under martial law, but Zelenskyy signaled he’s willing to hold one anyway and asked the U.S. and European partners for help securing a wartime vote. “Since this question is raised today by the president of the United States of America, our partners, I will answer very briefly: Look, I am ready for elections,” he said. “Then, in the next 60 to 90 days, Ukraine will be ready to hold the elections. I personally have the will and readiness for this.” Zelenskyy’s five-year term expired in May 2024. Source: newsmax.com Medical/False Flags FDA Reviewing Deaths Potentially Linked to COVID Shots The Food and Drug Administration is looking into whether COVID-19 vaccines were tied to any deaths, government officials announced this week. The FDA is “doing a thorough investigation, across multiple age groups, of deaths potentially related to COVID vaccines,” Andrew Nixon. a spokesman for the Department of Health and Human Services, said in a statement. Manufacturers report that the FDA is also reviewing the safety of RSV immunizations. COVID-19 vaccines were deployed in late 2020 under emergency use authorization. Less than a year later, the Pfizer-BioNTech vaccine became the first to receive full FDA approval. Source: newsmax.com [DS] Agenda https://twitter.com/nicksortor/status/1998789285281968322?s=20  with all the other America-hating Somalis! https://twitter.com/amuse/status/1998806184846045404?s=20 BREAKING: Democrats Flip Miami – Eileen Higgins Wins Mayoral Runoff Election: Decision Desk Democrats flipped Miami Mayor's office on Tuesday. Higgins defeated Republican Emilio Gonzalez, a former Miami City Manager who served on Trump's DHS transition team. Higgins will be Miami's first Democrat mayor since 1997. Fox News reported: It took nearly 30 years, but Democrats finally broke their decades-long ballot box losing streak in Miami, Florida, the city known as the nation's “Gateway to Latin America.” Source: thegatewaypundit.com https://twitter.com/chad_mizelle/status/1998565231136747996?s=20 https://twitter.com/EricLDaugh/status/1998912315672977728?s=20   are: Jeff Van Drew, R-N.J., Nicole Malliotakis, R-N.Y., Nick LaLota, R-N.Y., Brian Fitzpatrick, R-Pa., Rob Bresnahan, R-Pa., Don Bacon, R-Neb., Mike Lawler, R-N.Y., Tom Kean, R-N.J., Ryan Mackenzie, R-Pa., Zach Nunn, R-Iowa, Chris Smith, R-N.J., Pete Stauber, R-Minn., and Mike Turner, R-Ohio. Full passage vote could happen Thursday. President Trump's Plan REVEALED: DC pipe bomb suspect obsessed with My Little Pony art, fan fic: report My Little Pony is a franchise marketed at young girls. An adult male fan of the toys are known as a “Brony,” a community that at its peak was large enough to hold annual conventions. Brian Cole Jr, the man charged with placing pipe bombs outside the Republican and Democratic National Committees' Washington, DC headquarters the evening before January 6, 2021, was reportedly a massive fan of the children's series “My Little Pony,” making fan art and fan fiction dedicated to the characters.Per the New York Post, Cole, 30, appeared to have gone by usernames including iDeltaVelocity, Bron1Delta, Delta1Forgotten, and Blue Velocity online. In one account on an online forum, Cole allegedly posted dozens of fan art pieces dedicated to the My Little Pony franchise. Many of the art pieces feature characters with light purple bodies and multicolored hair.In a Tumblr account associated with the username delta1forgotten, Cole allegedly wrote in response to another user's drawing of a My Little Pony character with a machine gun, “Eh… I'd give her an RPG [Rocket-Propelled Grenade]. What can I say? Explosions are COOL!!”My Little Pony is a franchise marketed at young girls. An adult male fan of the toys are known as a “Brony,” a community that at its peak was large enough to hold annual conventions. Assistant Professor of Psychology Dr Daniel Chadborn wrote in his book “Meet the Bronies: The Psychology of the Adult My Little Pony Fandom,” “The subculture of Bronies was very online and unique and attracted a lot of male fans, who were breaking gender norms, which attracted a lot of attention.”He noted that the subculture is generally not sexual, however, he is not surprised that some members within the community are troubled. “Someone who is disaffected is often going to look for spaces to engage in, for a sense of identity and belonging.”Cole also allegedly wrote fanfiction dedicated to the franchise, with one story marked as being an “adventure/horror” story featuring the characters Applejack and Applebloom  Source: thepostmillenial.com Winning: Woke D.C. Police Chief Stepping Down Following Trump's Bold Moves to Federalize the DC Police Force and Send in National Guard https://twitter.com/MayorBowser/status/1997992364367884758?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1997992364367884758%7Ctwgr%5Edc94739b1880255ed9a381d0aefa9d1b2da25236%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fwinning-woke-d-c-police-chief-stepping-down%2F ‘Righteous Anger’: Erika Kirk Shuts Down Insane Conspiracies Surrounding Her Husband’s Murder Erika Kirk appears to have possibly reached her breaking point as she addressed those insane conspiracies surrounding the murder of her husband, Charlie Kirk, and to say she didn’t hold back is a serious understatement. During her appearance on Wednesday on Fox News’ Outnumbered, Kirk was asked about the accusations and claims floated by podcasters like Candace Owens and others surrounding the assassination of the late co-founder of Turning Point USA, including speculation about where Charlie is buried. No rock will be unturned. I want justice for my husband, for myself, for my family more than anyone else out there. “My silence does not mean that I’m complacent,” Erika continued. “My silence does not mean that somehow Turning Point USA and all of the handpicked staff that loved my husband and that my husband loved them is somehow in on it. We are busy building.” Erika said she understands a lot of the noise is people trying to find answers to the horrific killing of her husband, and made it clear no “rock will be unturned. I want justice for my husband, for myself, for my family more than anyone else out there.” Kirk said she does have a breaking point, though, and it’s when influencers and others go after those she loves, like her family, her Turning Point USA family, and her Charlie Kirk Show family. “When you go after the people that I love, and you’re making hundreds and thousands of dollars every single episode, going after the people that I love because somehow they’re in on this… NO!” Erika said, as the host Harris Faulkner pointed out, she’d never seen Kirk like this before. “This is righteous anger because this is not okay, it’s not healthy,” she added. “This is a mind virus… but this is not okay. But just know your words are very powerful, and we are human.” “My team are not machines and they’re not robots, they are human,” Erika continued. “We have more death threats on our team and our side than I have ever seen. I have kidnapping threats. I have…you name it, we have it. And my poor team is exhausted, and every time they bring this back up, what are we supposed to do, relive that trauma all over again?”  . Source: redstate.com https://twitter.com/WarClandestine/status/1998877640862904429?s=20 https://twitter.com/ElectionWiz/status/1998867607429292200?s=20 2846 Feb 21, 2019 12:02:07 PM EST Q !!mG7VJxZNCI ID: 6b73ac No. 5304336  Dz8HH2lWwAIQX5K.jpg-large.jpg https://twitter.com/JudahsTrumpets/status/1098604676621189122 Be ready for the ‘Q’, Anon(s). Eyes on increasing +each day. You are the NEWS NOW. Handle w/ care. Q 3628 Nov 25, 2019 12:05:46 PM EST Q !!mG7VJxZNCI ID: 000000 No. 7370121  https://twitter.com/Incarcerated_ET/status/1198990090757914625 Enemy of the People. You are the NEWS NOW. Facts matter. Q https://twitter.com/medeabenjamin/status/1998886707891155231?s=20 https://twitter.com/_johnnymaga/status/1999140426222088595?s=20 https://twitter.com/DataRepublican/status/1938072642374058297?s=20  Bejamin briefly – who had an interesting history of speaking to Chinese media. She co-founded Global Exchange with her husband, Kevin Danaher, which goes on a number of “Reality Trips” to various closed countries – Cuba, Venezuela, among others. If you’ve followed me long enough … you know that’s a big red flag. State-facilitated exchange trips are one of the most common “soft power” tools that countries have in exporting their ideology to others. https://twitter.com/AAGDhillon/status/1998429763744976927?s=20 Supreme Court OKs Trump's Firing Of Biden FTC Appointee The U.S. Supreme Court handed President Donald Trump a significant victory, ruling that he can remove Federal Trade Commission leader Rebecca Slaughter after months of legal challenges. Trump has sought to dismiss Slaughter, a Democrat appointed by former President Joe Biden, since March. The court also agreed to consider whether presidents may dismiss FTC commissioners without cause. In the meantime, Slaughter will not be allowed to remain in office. Source:  conservativebrief.com  https://twitter.com/amuse/status/1998163014336561437?s=20 https://twitter.com/mrddmia/status/1998237338678563300?s=20 Trump Sinks Anonymous Reports by Reaffirming Support for Hegseth, Noem Trump sunk the anonymous reports while fielding questions from the press during a roundtable with tech CEO in the Roosevelt Room on Wednesday. https://twitter.com/RapidResponse47/status/1998886540215472413?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1998886540215472413%7Ctwgr%5Ec250eb4c9bce232b03b56224d33227964e8f8b05%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.breitbart.com%2Ft%2Fassets%2Fhtml%2Ftweet-5.html1998886540215472413 Trump's comments follow an Atlantic report that Trump “is starting to tire of the scandals surrounding Hegseth,” citing “an outside adviser to the White House and a former senior administration official.”They also come on the heels of an MS Now report, citing two anonymous sources, and claiming that “White House officials have grown frustrated with Kristi Noem's leadership of the Department of Homeland Security, leading to calls for a new secretary to more aggressively support key parts of the president's deportation agenda.” Source: breitbart.com https://twitter.com/AGPamBondi/status/1999130198906728645?s=20 https://twitter.com/elonmusk/status/1998453138857099684?s=20   primarily Nordic-German. Importing voters is a CERTAIN path to a single-party supermajority and has ALREADY happened at the state level in California and New York. It also explains why those states have BANNED VOTER ID in order to accelerate a permanent socialist supermajority, destroying any semblance of democracy. We stand on the precipice of disaster, an end to America. https://twitter.com/CynicalPublius/status/1998769742455435403?s=20   say stupid stuff like “I’m not voting in the mid-terms.” The Constitutional powers of the President are limited by design. Moreover, Trump faces unique challenges in an intransigent Deep State and an array of rogue judges, neither of which any other President has faced at this scale. Nevertheless, in less than a year Trump has kept more of his campaign promises than any other President since FDR. Some of you people need to wise up. There is no Government Fairy. It’s a hard slog, and we’re winning–unless YOU mess it up, Doomsters. Don’t mess it up. https://twitter.com/CynicalPublius/status/1998827695439004144?s=20  care, the GOP deserves it.” This is self-fulfilling prophecy. It suppresses voter enthusiasm, suppresses voter turn out, and creates exactly the barren ground that Leftists have come to expect from a conservative movement that seems determined to fail at every turn even when it is winning. *versus* 2. “I am so happy that we have made so much progress. Trump has done amazing things in a short period of time against unprecedented institutional resistance. We are winning and I can see the light at the end of the tunnel for the restoration of our Constitutional republic. Nevertheless, there is much to be done. President Trump and the true conservatives in Congress need our enthusiastic, vocal support. We must keep the pressure on the eGOP, the Democrats and the lying media. This is a tough battle, but we will win.” THAT my friends is a message of victory. It too becomes a self-fulfilling prophecy as it inspires the voting base yet does not ignore the work yet to be done. It’s winning. ————————— Allow me to paraphrase Napoleon Bonaparte: “In politics, the moral is to the physical as three is to one.” _________________________ In other words, why don’t you knock it off with them negative waves, Moriarity. https://twitter.com/Avis_Liberatum/status/1998829654241694036?s=20 https://twitter.com/MattMorseTV/status/1998541820285145219?s=20    and for America itself. In all fairness, the Democrats have been doing Redistricting for years, and continue to do so. Unfortunately, Indiana Senate “Leader” Rod Bray enjoys being the only person in the United States of America who is against Republicans picking up extra seats, in Indiana's case, two of them. He is putting every ounce of his limited strength into asking his soon to be very vulnerable friends to vote with him. By doing so, he is putting the Majority in the House of Representatives, Washington, D.C., at risk and, at the same time, putting anybody in Indiana who votes against this Redistricting, likewise, at risk. The people of Indiana don't want the Party of Sleepy Joe Biden, Kamala, Ilhan Omar, or the rest to succeed in Washington. Bray doesn't care. He's either a bad guy, or a very stupid one! In any event, he and a couple of his friends will partner with the Radical Left Democrats. They found some Republican “SUCKERS,” and they couldn't be happier that they did! Guys like Failed Senate Candidate Mitch Daniels, who I opposed in his Race against Senator Jim Banks, and Cam Savage, whoever that is, are fighting against the Republican Party, all the way. Bray and his friends are the favorite Republicans of Hakeem Jeffries, Crazy Nancy Pelosi, and Cryin' Chuck Schumer. Anybody that votes against Redistricting, and the SUCCESS of the Republican Party in D.C., will be, I am sure, met with a MAGA Primary in the Spring. If Republicans will not do what is necessary to save our Country, they will eventually lose everything to the Democrats. Rod Bray and his friends won't be in Politics for long, and I will do everything within my power to make sure that they will not hurt the Republican Party, and our Country, again. One of my favorite States, Indiana, will be the only State in the Union to turn the Republican Party down! Master Messenger: Trump Goes Full MAGA at Pennsylvania Rally, Hands GOP the 2026 Talking Points The master messenger is at it again, this time handing the GOP the 2026 midterm talking points directly. During a rally Tuesday evening in Mount Pocono, Pennsylvania, President Trump reminded both Republicans and Democrats of just how savvy a messenger he can be when energizing his base. He crushed former President Joe Biden and his administration for overseeing the runaway inflation we are still battling today. He discussed his efforts to bring higher wage jobs to American workers, not illegal aliens. He dismantled Obamacare, highlighting high costs and the trillions in taxpayer dollars given to insurance companies instead of the American people. President Trump went full MAGA. The  message was clear: Republicans, take this message and run with it during the 2026 midterm election cycle. President Trump tore apart Obamacare. He is tired of insurance companies lining their pockets with Obamacare subsidies, and stated once again that he wants that money sent directly to the American people. Imagine being able to use your own money to purchase health insurance instead of those dollars going straight to the insurance companies? For Republicans in 2026, this is a smart policy that could excite the base in an election cycle where President Trump is not on the ballot. Healthcare across America, in many cases, is unaffordable and frustrating. This is certainly an area where the GOP can make up ground with sound policy ideas. President Trump has essentially closed our southern border by the sheer power he wields through the executive branch. The administration has now moved to tackle illegal immigration within our borders, in regards to both deportations and American jobs taken by illegal aliens.  Since President Trump took office, 100 percent of all net job creation has gone to American citizens. That is an amazing statistic that every GOP House and Senate member should be touting on the campaign trail. Not for nothing, but President Trump is also clearly tired of immigrants coming to America who do not care to fully assimilate or share our values. President Trump also announced a permanent pause on third-world migration, “including from hellholes like Afghanistan, Haiti, Somalia, and many other countries.” This is a very smart and, frankly, important policy. During the recent off-year election cycle, many Americans learned for the first time how many third-world immigrants have infiltrated major American cities. This is a winning message and one the GOP should carry into 2026. Finally, the deadly drugs have got to stop flowing into this country. President Trump has taken lethal action that is sure to have every drug boat planning to bring drugs to America second-guessing that decision. For some Republicans who support Trump’s policy but have struggled to properly communicate the importance to their constituents, the president simplified the issue for the entire party. Source: redstate.com https://twitter.com/TheStormRedux/status/1998449163403419722?s=20  ALL THE INFORMATION.” LFG  One thing I know is that the American public (outside of X) needs to understand how rigged and fake our elections are before we have another election in this country. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

covid-19 united states america ceo american new york california health president success donald trump australia europe israel china house washington japan politics state americans race war miami spring russia ms european chinese joe biden ukraine european union dna dc western pennsylvania new zealand healthcare utah white house congress bank indian afghanistan indiana fbi iran code economy supreme court union states republicans protests atlantic wall street journal democrats singapore venezuela chile cuba senate citizens commerce immigration norway south korea united nations gaza fox news direction secretary fda commission haiti latin america guys ukrainian american dream assistant professor qatar dei investigation eyes hamas fed costa powell maga countries gop kyiv gateway oslo charlie kirk range rn kamala conduct midterms tumblr treasury homeland security republican party macron allegations nicholas maduro hoaxes reuters human services politico majority emmanuel macron new york post ftc somalia higgins slaughter constitutional franklin delano roosevelt obamacare cb nobel peace prize ds volodymyr zelenskyy embassies deep state dhs handle telephone candace owens leftists bray explosions manufacturers drug administration chuck schumer pete hegseth 3b rsv moraes federal trade commission abolish ilhan omar crumbling zelenskyy redistricting chris smith la mesa kristi noem merz eb turning point usa h 1b my little pony dsa globalists basin napoleon bonaparte anon unrwa cbp border protection brunei grand hotel bold moves importing digital services pfizer biontech outnumbered impeccable hakeem jeffries cryin righteous anger customs enforcement ice somalis usgs us customs bronies great salt lake gop house brony homeland security dhs united states coast guard mill creek member states autopen mike turner gold card federal register createelement jim banks applejack getelementbyid parentnode homeland security investigations brian fitzpatrick mike lawler harris faulkner digital services act dsa alx global exchange charlie kirk show news now don bacon federalize roosevelt room pete stauber r ohio r iowa kevin danaher
The NPR Politics Podcast
Supreme Court Considers Vastly Expanding The President's Powers

The NPR Politics Podcast

Play Episode Listen Later Dec 10, 2025 13:16


The Supreme Court is considering whether President Trump should be able to fire the head of the Federal Trade Commission and other independent agencies without cause. We discuss why Congress created these independent agencies in the first place and the broader impact of the court eroding the 90-year-old precedent that protects them from presidential politics.This episode: political correspondent Sarah McCammon, labor and workplace correspondent Andrea Hsu, and senior national political correspondent Mara Liasson.This podcast was produced by Casey Morell and Bria Suggs, and edited by Rachel Baye.Our executive producer is Muthoni Muturi.Listen to every episode of the NPR Politics Podcast sponsor-free, unlock access to bonus episodes with more from the NPR Politics team, and support public media when you sign up for The NPR Politics Podcast+ at plus.npr.org/politics.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

John Solomon Reports
The AI War: How Trump's Order Aims to Secure America's Future

John Solomon Reports

Play Episode Listen Later Dec 10, 2025 36:55


In this episode, we welcome Congresswoman Mary Miller from Illinois as she discusses the challenges blue states pose to President Trump's agenda. She highlights issues surrounding immigration, welfare benefits, and election integrity while emphasizing the need for accountability in government. Then, we welcome Kingsley Wilson, the press secretary for the Department of War, to discuss the significant changes occurring under the new War Secretary, Pete Hegseth. We delve into the administration's tough stance on narco-terrorism, the success of recent military operations, and the reassertion of the Monroe Doctrine in Latin America. Wilson shares insights on how the focus has shifted back to an America-first agenda, prioritizing homeland security, and the challenges posed by mainstream media. Finally, we explore the implications of President Trump's recent executive order aimed at shaping the future of AI development in the United States. Our guest, Neil Chilson, former chief technologist for the Federal Trade Commission and current head of AI Policy at the Abundance Institute, discusses the contrasts between the Biden and Trump administrations' approaches to AI regulation. We delve into the significance of establishing a federal framework to prevent a fragmented regulatory landscape across states, and the potential impact on national security and economic competitiveness in the AI arena. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Dinesh D'Souza Podcast
TRUMP UNSHACKLED

The Dinesh D'Souza Podcast

Play Episode Listen Later Dec 9, 2025 51:51 Transcription Available


We would like to thank our advertisers for our podcast: This episode is brought to you by Gold Co! Get up to $10,000 in FREE silver when you go to https://DineshGold.com. Don’t wait - The time to invest in gold and silver is now! In this episode, Dinesh reveals why the Supreme Court is likely to affirm President Trump’s authority to fire a Democratic member of the Federal Trade Commission, an important case about the reach of executive authority. Human rights attorney Brooke Goldstein joins Dinesh to talk about how serious anti-Semitism is on the political Right. See omnystudio.com/listener for privacy information.