Podcasts about federal workers

Aisha Coffey joins The Great Battlefield podcast to talk about working at the FDA before it was attacked by the Trump administration and why she joined FWAD (Federal Workers Alliance for Democracy), a coalition that supports federal workers to uphold their oath by protecting the public good.

The Office of Personnel Management has proposed a new government-wide NDA for federal workers.

Decisions are happening fast — and the consequences are showing. Last week, Trump announced he would nominate Acting Attorney General Todd Blanche to the top post at the Justice Department, after Blanche nixed the $1.776 “Anti-Weaponization” fund while keeping the controversial release that shields Trump and his family from any liability. Mary and Andrew highlight the myriad of issues Blanche will need to answer for when a confirmation hearing comes, before moving to the Supreme Court ruling that allows Alabama to adopt a Republican-drawn congressional map eliminating one of only two majority-Black districts in the state. This nullifies a lower court's decision that the map was, in fact, intentionally discriminatory. Next up, the co-hosts review a Rhode Island judge's ruling that invalidated several of Trump's immigration policies, including one that placed a hold on asylum claims globally, causing chaos and uncertainty for many legally trying to obtain asylum claims and green card status.And lastly, a beat on a new executive order stripping job protections from thousands of federal workers, plus continuing litigation over Trump's ballroom. Sign up for MS NOW Premium on Apple Podcasts to listen to this show and other MS podcasts without ads. You'll also get exclusive bonus content from this and other shows. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week Sharelle and Sierra get down and dirty on culture, politics, and AI. This episode covers a wide range of topics including recent political chaos, the Vatican's apology for involvement in slavery, the impact of AI and data centers in communities, and reflections on Black Music Month and cultural icons. TIMESTAMPS 0:00 - Michael Jackson's Legacy and Impact 4:43 - Sharelle Is Excited About the Knicks 9:47 - Intro and Announcements 12:16 - Dr. Cheyenne Bryant Controversy 16:13 - AI and Its Implications 21:23 - Redistricting and Voting Rights 29:15 - Federal Workers and NDAs 31:53 - Dr. Oz and Reproductive Rights 40:01 - Violence Near the White House 44:35 - Pope Leo Apologizes for Slavery 47:55 - Confronting Racism in the Justice System 53:09 - Kevin Hart's Rebuttal On His Controversial Roast 1:07:18 - Data Centers and Community Impact 01:01:17 The AI Debate: Pros and Cons 01:04:53 The Future of Journalism in the Age of AI 01:05:47 The Importance of Traditional Skills 1:16:14 - Tiny Desk is Celebrating Black Music Month 1:18:45 - The Legacy of Earth, Wind & Fire 1:25:03 - Sidebar: Worst Ex Ever Documentary 1:29:31 - End of Show -------------------------------------------------------------------- Please be sure to follow us on all our social media: Cashapp: $Headwrappod Bluesky: @headwrappod Instagram: @headwrapsandlipsticks TikTok: @headwrapsandlipsticks Facebook: Headwraps And Lipsticks: The Podcast Website: www.headwrapsandlipstick.com Email: hosts@headwrapsandlipsticks.com *If you got this far, leave a comment with the word “blackout” in it*

Trump Slaps Gag Order on Every Federal Worker in America - Is this the End of Whistleblowers? Mamdani Drops the Biggest Housing Plan in NYC History. Is America going to allow convicted assailant Trump to use the DOJ to hunt down his victim E. Jean Carroll? Plus veteran war correspondent, Phil Ittner reports some good news from Ukraine.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sometimes the work done by law students can surprise everyone. This episode may shock you. Continuing a tradition, we honor the annual winner of the John F. Burton Jr. College of Workers' Compensation Lawyers Law Student Writing competition. This year, guest Roxanne Mosley is the winner with her findings in “The Uncompensated Risk: Federal Workers' Compensation and the Human Toll of the Weaponized Shutdown.” Mosley examined the nexus of government shutdowns and the impact on federal employees protected under FECA, the Federal Employees' Compensation Act. Government shutdowns aren't just political showdowns, they have the potential to harm real people: federal workers protected under federal Workers' Comp programs. Mosley witnessed the human toll of a federal shutdown, including missed mortgage payments and simply making the ends meet at the end of the month. But she also found the unexpected toll inflicted on those federal workers, the potential Workers' Comp shortfalls. During a government shutdown, federal employees deemed essential may be asked to keep working without concurrent compensation, which can be marked as a “zero” on a worker's pay stub. This is critical if a worker is injured on the job, as benefits are determined by past payment records. A period without pay can be included in that compensation calculation, resulting in reduced benefits. Mosley is calling for federal protections and Congressional action.  If you have thoughts on Workers' Comp law or an idea for a topic or guest you'd like to hear, contact us at JPierce@ppnlaw.com or APierce@ppnlaw.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Office of Personnel Management is proposing a strict new non-disclosure agreement for federal workers, which would bar them from disclosing “non-public, confidential, or proprietary information.” The Trump administration says a new agreement is needed to stop leaks to the press. A draft of the NDA is being published today. Then, from the latest season of Marketplace's "How We Survive," can we engineer nature to slow the climate crisis?

The Office of Personnel Management is proposing a strict new non-disclosure agreement for federal workers, which would bar them from disclosing “non-public, confidential, or proprietary information.” The Trump administration says a new agreement is needed to stop leaks to the press. A draft of the NDA is being published today. Then, from the latest season of Marketplace's "How We Survive," can we engineer nature to slow the climate crisis?

From Pete Hegseth's erasure of Black Americans and women from military history, to Donald Trump's dismantling of DEI programs across the federal government, to Stephen Miller's openly stated goal of ethnic cleansing, Hawk connects the dots between policy and intent. The firing of hundreds of thousands of Black federal workers, the targeting of universities and corporations with DEI policies, and the Supreme Court's systematic gutting of the Voting Rights Act are all part of the same pattern. Chief Justice John Roberts, Clarence Thomas, and Samuel Alito have spent decades working to eradicate the Voting Rights Act, the landmark 1965 legislation that Hawk argues represented the first true moment the United States became a functioning representative democracy. That legacy is now being dismantled in real time. Hawk makes the case that in 2026, there is no longer any reasonable argument that a Trump voter is not fully aware of what they are supporting. Racism, misogyny, bigotry, homophobia, and transphobia were not hidden in the 2024 campaign — they were the campaign. If the shoe fits, it fits. SUPPORT & CONNECT WITH HAWK- Support on Patreon: https://www.patreon.com/mdg650hawk - Hawk's Merch Store: https://hawkmerchstore.com - Connect on TikTok: https://www.tiktok.com/@mdg650hawk7thacct - Connect on TikTok: https://www.tiktok.com/@hawkeyewhackamole - Connect on BlueSky: https://bsky.app/profile/mdg650hawk.bsky.social - Connect on Substack: https://mdg650hawk.substack.com - Connect on Facebook: https://www.facebook.com/hawkpodcasts - Connect on Instagram: https://www.instagram.com/mdg650hawk - Connect on Twitch: https://www.twitch.tv/mdg650hawk ALL HAWK PODCASTS INFO- Additional Content Available Here: https://www.hawkpodcasts.comhttps://www.youtube.com/@hawkpodcasts- Listen to Hawk Podcasts On Your Favorite Platform:Spotify: https://spoti.fi/3RWeJfyApple Podcasts: https://apple.co/422GDuLYouTube: https://youtube.com/@hawkpodcastsiHeartRadio: https://ihr.fm/47vVBdPPandora: https://bit.ly/48COaTB

The Morning Xtra with Tug and Los delivers conservative talk on the biggest political, cultural, and news stories of the day. Smart analysis, unapologetic opinions, and real conversations every weekday morning. Every weekday from 6a to 10a! First thing to know: Data Centers are literally stealing from homeowners. By the Numbers: It’s unbelievable what it takes to get rid of Federal Workers Even Capitalism is annoying to these peopl Atlanta's ONLY All Conservative News & Talk Station.: https://www.xtra1063.com/See omnystudio.com/listener for privacy information.

Mark Alford, Missouri U.S. Congressman, On Paying Federal Workers | 5-11-26See omnystudio.com/listener for privacy information.

Federal workers' compensation is getting an overhaul from the Trump administration. The Labor Department says it's expanding the Federal Employees' Compensation Act to cover more types of beneficiaries and compensation programs. That includes claimants under the Black Lung Benefits Act and the Longshore and Harbor Workers' Compensation Act. Labor Department leadership says the goal is to improve drug pricing transparency, as well as promote cost savings.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

More than three dozen former federal workers who quit or lost their jobs last year, in the wake of cuts from the Department of Government Efficiency, or DOGE, are now running for political office. Most, but not all, are Democrats who say the assault on public service led them to seek change by standing for office. We spoke with three candidates running for Congress in the upcoming midterms. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

More than three dozen former federal workers who quit or lost their jobs last year, in the wake of cuts from the Department of Government Efficiency, or DOGE, are now running for political office. Most, but not all, are Democrats who say the assault on public service led them to seek change by standing for office. We spoke with three candidates running for Congress in the upcoming midterms. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

The Trump administration is seeking unprecedented access to the health records of federal workers — including their prescriptions, diagnoses, and doctor visits — raising alarms among legal experts and health executives about privacy and HIPAA compliance.

This week, the Trump administration won a court battle to delay a ruling on access to the abortion pill mifepristone, angering its own anti-abortion allies. Meanwhile, the president's budget arrived on Capitol Hill, where lawmakers are unlikely to agree to its proposed cuts to Health and Human Services programs. Lauren Weber of The Washington Post, Alice Miranda Ollstein of Politico, and Maya Goldman of Axios join KFF Health News' Julie Rovner to discuss these stories and more.Plus, for “extra credit,” the panelists suggest health policy stories they read this week that they think you should read, too:Julie Rovner: The Atlantic's “HHS Officials' Year in Purgatory Is Ending,” by Katherine J. Wu.Maya Goldman: KFF Health News' “Trump's Personnel Agency Is Asking for Federal Workers' Medical Records,” by Amanda Seitz and Maia Rosenfeld.Lauren Weber: CNN's “These Common Drug Tests Lead to Tens of Thousands of Wrongful Arrests a Year, Experts Say. One State Is Fighting Back,” by Holly Yan.Alice Miranda Ollstein: Politico's “A Slowdown in US Visa Processing Is Wreaking Havoc on Foreign Doctors' Lives,” by Simon J. Levien.

The Trump Administration is about to reclassify tens of thousands of federal jobs so that it can treat them like patronage appointees. This is huge news for your neighbors who may have those jobs, since it will make it a lot easier to fire them for political reasons. But it is also big news for the economy of our city, and, in a way, for the soul of a city that has long drawn people to public service. Drew Friedman from Federal News Network has been covering the story and is here to explain.  Want some more DC news? Then make sure to sign up for our morning newsletter Hey DC. You can text us or leave a voicemail at: (202) 642-2654. You can also become a member, with ad-free listening, for as little as $10 a month. Learn more about the sponsors of this April 2nd episode: Folger Shakespeare Library District Bridges Window Nation Interested in advertising with City Cast? Find more info HERE.

Labor leadership isn't just about the good days—it's about holding the line when the pressure is at its peak. On today's episode of the America's Work Force Union Podcast, we're looking at two different fronts where workers are standing their ground. Segment 1: The Human Cost of the TSA Shutdown We're joined by Johnny Jones, Secretary-Treasurer of AFGE TSA Council 100. Jones pulls back the curtain on the severe financial and emotional strain placed on TSA officers during shutdown-related pay disruptions. From missed mortgages to the deteriorating morale at our nation's checkpoints, we discuss why restoring back pay isn't enough and how the union is fighting to protect collective bargaining rights in a climate of political dysfunction. Segment 2: Leading from the Front in Ohio In honor of Women's History Month, we welcome back Davida Russell, Secretary-Treasurer of the North Coast Area Labor Federation. Russell discusses the growing trend of union members running for public office and the unique challenges they face in today's digital political landscape. She offers a "field guide" for activists, emphasizing why worker-centered candidates must stay grounded in service to cut through the noise of modern campaigning. Don't miss an episode: Subscribe to stay updated on the latest victories and challenges within the labor movement.

Several weeks into the DHS shutdown, front‑line employees from TSA to the Coast Guard are working without pay as airport delays mount and families feel the strain. At the same time, the administration is accelerating major personnel changes, from Schedule Policy/Career conversions to new RIF rules that could redefine job security for tens of thousands of federal workers. We'll connect all of those threads now with John Hatton, Staff Vice President for Policy and Programs at NARFE.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

After cutting large portions of the federal workforce, the Trump administration is now scrambling to bring workers back as agencies face major staffing gaps. The shift comes as new personnel rules could move tens of thousands of federal jobs into a category with weaker protections and greater White House control. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After cutting large portions of the federal workforce, the Trump administration is now scrambling to bring workers back as agencies face major staffing gaps. The shift comes as new personnel rules could move tens of thousands of federal jobs into a category with weaker protections and greater White House control. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Federal workers and military families are navigating one of the most complex tax seasons in recent memory. New rules on overtime, car‑loan interest, and Social Security are changing how many households will file. Here to break down the changes and what they mean in practice is Mike Meese, president of Armed Forces Mutual.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

#ThisMorning | #Federal #Workers #Delay #Retirement as #Savings #Gaps Persist | Craig Copeland, PhD., Employee Benefit Research Institute | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

If you've avoided OWCP because it “never pays,” this episode shows the opposite. Testone—an educator and medical-claims advocate—explains how Federal Workers' Comp (U.S. Department of Labor) is separate from Medicare with its own fee schedule, fast processing, simple authorizations, and a dead-simple documentation workflow. You'll learn how to credential (no cost), check case-approved DX/CPT in the portal, pre-authorize up to six months, and bill correctly so you stop leaving money on the table.

First, a partial government shutdown began over the weekend. Then, in the first part of a 2-part series we bring you stories from advocates who volunteer to observe immigration courts in San Diego. Also, we look into why enrollment is going down at schools and why it was so hard to find out how many students are currently enrolled in San Diego's largest district. Last but not least, we tell you why the federal government's choice to end the regulation of greenhouse gas emissions is very personal to scientists here in San Diego.

Hundreds of union nurses, federal workers, and local residents gathered outside the Veterans Affairs central office building in Washington, DC, on Jan. 28, to hold a vigil for Alex Pretti and all who have been killed by ICE. The vigil was one of many events organized or co-sponsored by National Nurses United, the nation's largest union and professional association of registered nurses, which has forcefully called for ICE to be abolished in the wake of Pretti's killing. We speak with attendees of the vigil in this on-the-ground edition of Working People.   Additional links/info:  Maximillian Alvarez, The Real News Network, "'A hero': Nurses, federal workers honor Alex Pretti (Documentary Report)" Maximillian Alvarez Working People / The Real News Network, "Largest nurses union calls to abolish ICE after Alex Pretti killing: 'They messed with the wrong profession'" National Nurses United: "Week of action in honor of Alex Pretti, RN and all others killed by ICE" National Nurses United press release (1/24/26): "National Nurses United outraged by murder of VA registered nurse by immigration agents, demand abolition of ICE" National Nurses Organizing Committee/National Nurses United website, Facebook page, Twitter/X page, and Instagram Credits: Audio Post-Production: Jules Taylor

Hundreds of union nurses, federal workers, and local residents gathered outside the Veterans Affairs central office building in Washington, DC, on Jan. 28, to hold a vigil for Alex Pretti and all who have been killed by ICE. The vigil was one of many events organized or co-sponsored by National Nurses United, the nation's largest union and professional association of registered nurses, which has forcefully called for ICE to be abolished in the wake of Pretti's killing. We speak with attendees of the vigil in this on-the-ground edition of Working People.  Additional links/info: Maximillian Alvarez, The Real News Network, “‘A hero': Nurses, federal workers honor Alex Pretti (Documentary Report)”Maximillian Alvarez Working People / The Real News Network, “Largest nurses union calls to abolish ICE after Alex Pretti killing: ‘They messed with the wrong profession'”National Nurses United: “Week of action in honor of Alex Pretti, RN and all others killed by ICE”National Nurses United press release (1/24/26): “National Nurses United outraged by murder of VA registered nurse by immigration agents, demand abolition of ICE”National Nurses Organizing Committee/National Nurses United website, Facebook page, Twitter/X page, and InstagramCredits:Audio Post-Production: Jules TaylorBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

The street execution of Veterans Affairs nurse Alex Pretti by border patrol agents in Minnesota may mark a turning point in the Trump administration’s lawless deportation strategies. We spend most of this show hearing from federal workers and their supporters who attended a vigil for Pretti outside the headquarters of the VA, two blocks from the White House.And there are threats of more attacks by the U.S. abroad, as the Trump administration movies warships to the region of the Islamic Republic of Iran. Please headlines with Gerald Horne.  The show is made possible only by our volunteer energy, our resolve to keep the people's voices on the air, and by support from our listeners. In this new era of fake corporate news, we have to be and support our own media! Please click here or click on the Support-Donate tab on this website to subscribe for as little as $3 a month. We are so grateful for this small but growing amount of monthly crowdsource funding on Patreon. PATREON NOW HAS A ONE-TIME, ANNUAL DONATION FUNCTION! You can also give a one-time or recurring donation on PayPal. Thank you! “On the Ground: Voices of Resistance from the Nation's Capital” gives a voice to the voiceless 99 percent at the heart of American empire. The award-winning, weekly hour, produced and hosted by Esther Iverem, covers social justice activism about local, national and international issues, with a special emphasis on militarization and war, the police state, the corporate state, environmental justice and the left edge of culture and media. The show is heard on three dozen stations across the United States, on podcast, and is archived on the world wide web at https://onthegroundshow.org/  Please support us on Patreon or Paypal. Links for all ways to support are on our website or at Esther Iverem's Linktree: https://linktr.ee/esther_iverem

More than a week after the shooting death of a 37-year-old mother in Minnesota, protests are growing, as are calls to abolish or defund Immigration and Customs Enforcement or ICE. And what does this ratcheted up violence in our neighborhoods mean? We speak to historian Gerald Horne for this month’s episode of the F-Word on fascism. “On the Ground: Voices of Resistance from the Nation's Capital” gives a voice to the voiceless 99 percent at the heart of American empire. The award-winning, weekly hour, produced and hosted by Esther Iverem, covers social justice activism about local, national and international issues, with a special emphasis on militarization and war, the police state, the corporate state, environmental justice and the left edge of culture and media. The show is heard on three dozen stations across the United States, on podcast, and is archived on the world wide web at https://onthegroundshow.org/  Please support us on Patreon or Paypal. Links for all ways to support are on our website or at Esther Iverem's Linktree: https://linktr.ee/esther_iverem

As 2025 nears its end, we're catching up on the biggest stories we reported this year. It was a hard year for federal workers in Kansas City, who weathered mass layoffs and the longest government shutdown in U.S. history. Hear how that impacted workers' jobs and mental health.

Artificial Intelligence is no longer a futuristic concept. It's a practical tool reshaping how we work, learn, and govern. Academy Fellow Alexis Bonnell of OpenAI and Karen Lee of FedsForward join host James-Christian Blockwood to discuss strategies for building AI literacy, how experts and public servants are incorporating AI, and what the challenges are today, and tomorrow.

Join Nate Thurston in this solo edition of Good Morning Liberty as he covers the end of the longest government shutdown in U.S. history. Nate discusses the Senate vote and the implications of the compromise used to reopen the government. He shares his thoughts on the overall messiness of the political situation, including the impact on health insurance, layoffs of federal workers, and the proposed extended health insurance tax credits. Nate explores Trump's new proposals over the weekend, like $2,000 stimulus checks from tariff money, 50-year mortgages, and bonuses for air traffic controllers. He addresses the issues surrounding Obamacare, Bernie's critique of recent decisions, and investigates the real impact of the Affordable Care Act on health insurance stock prices. Nate also proposes alternative solutions for healthcare reform, focusing on health savings accounts, interstate insurance sales, and more efficient market-based strategies. 00:00 Intro 00:43 Government Shutdown Update 01:45 Political Commentary and Personal Views 02:22 Senate Moves to End Shutdown 03:59 Impact of Shutdown on Federal Workers 06:15 Trump's Weekend Proposals 07:41 Critique of Trump's Strategy 08:27 Shutdown Winners and Losers 09:50 Obamacare Subsidies Debate 14:33 Economic Implications of Shutdown 19:33 Trump's Tariff Stimulus Proposal 32:53 Health Insurance Companies and Obamacare 43:20 Radical Healthcare Reform Ideas 43:42 The Role of HSAs in Healthcare 47:00 Government's Role in Healthcare 49:33 Employer-Provided Healthcare and Tax Implications 52:33 Price Transparency and Market Competition 56:22 State Mandates and Insurance Across State Lines 01:01:49 Certificate of Need Laws 01:09:52 Preexisting Conditions and Risk Pools 01:14:55 Taxation in Healthcare  

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith introduces a profound life perspective: humans are typically allotted only 30,000 days. What will you do with the days you have left? Every moment not spent building wealth is a moment lost forever. Adam Schroeder, a real estate investment strategist, joins the conversation to talk about current opportunities with new build properties with significant builder incentives and the potential for high appreciation. Resources: Switch to listening to the podcast on the Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Show Notes: GetRichEducation.com/578 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold, the real estate market is slow when this happens in a cycle. What does it mean to a real estate investor? What type of return can you really expect today? I'll tell you exactly, and you'll be surprised. Learn more about new build properties and why investors often prefer DSCR loans over conventional loans today on get rich education,   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE I'm your host. Keith Weinhold, yes, America's favorite shaved mammal on a microphone is back with you for another wealth building week. Just the talking primate that's heavily mortgaged here. I'm also a landlord still waiting for a security deposit from back in 2018   Keith Weinhold  1:51   Hmm, oh, I'm so into self deprecation today that I forgot about the place names hitting you, from Dover, Delaware to   Keith Weinhold  2:01   Andover, Massachusetts and across 188 nations worldwide, you're listening to get rich education. There's a realization that can sharpen your investor focus when you think about the fact that, in a sense, how little time you are allotted in your life. It's something that I've thought about more. You're only given about 30,000 days. That's the typical lifespan of a human being, and that goes for both shaved mammals and others. Well, you've already spent 1000s of your 30,000. The question is, what are you doing with the rest? At some point, people understand or they better that they need to go out on a limb. There are people less qualified than you living the life you want to live simply because they chose to believe in themselves, and really, that's the moment everything shifts. belief. It's not a feeling. It is a decision backed by action. Too many people learn this lesson the hard way. They discover, often too late, that relying on one income stream is the most dangerous financial plan of all. A job can vanish. Federal Workers found that out amidst a government shutdown, a business model can change. AI can intrude. A paycheck can stop. But when you own assets that pay you month after month, no matter what you're doing, you slowly begin to untether yourself and move toward freedom. And here's the truth about pain and money. Poor and middle class households work for money, so to them, that's why every dollar spent feels like a little loss. It can even hurt, and that is why they hesitate even on opportunities that could change everything. The wealthy, on the other hand, own assets that pay them, so therefore every dollar spent feels like a seed, because it grows when you own enough income property, you can move away from constantly asking yourself, can I afford this? And start asking, What will this investment earn me? Over time, this mindset shift changes everything at that time when other people's money starts working for you, not the other way around.    Keith Weinhold  4:45   And here's the thought experiment I use, take the hourglass of your life and flip it, watch the sand fall. That's time, 30,000 hours, 30,000 grains. That is. Is time the one resource that you cannot get more of. So every day you delay prudently investing the sand does not pause. It just keeps flowing. But you can choose how that time compounds the sand that's left over and hasn't fallen through the neck of the hourglass. Yet that is your opportunity to build multiple income streams from real estate, from ownership and from leverage, it is your chance to replace anxiety with well autonomy. Every family with generational wealth can trace it back to one person, one risk taker who decided to stop trading hours for dollars. They believed in ownership and control. They believed in themselves. They acted before the sand ran out. If you've already started real estate investing, well, then you've already begun to break that cycle. If you've done it for a time, you're going to have more time, more income and more options than you had before. That is worth celebrating and scaling, because the best time to start was yesterday, and the next best time is before the next grain of sand hits the bottom.    Keith Weinhold  6:22   Later today, I'll talk about taking this sentiment and moving it towards something very specific and actionable. Now, in this era, the real estate market is slow. That is in terms of transaction volume, there just aren't as many sales. Sometimes this whole thing feels more sluggish than Jabba the Hutt after Thanksgiving dinner.   Keith Weinhold  6:49   5 million is a typical number of existing homes sold every year in the US. 5 million. That's normal. That's baseline during the pandemic frenzy. It reached over 6 million, and now it's about 4 million. That's why I say that housing transaction volume has slowed, and appreciation is only about 2% that's below historic norms, and rent growth is like barely doing push ups. It's two to 3% in single family homes volume now it has picked up a little here lately with lower mortgage rates, and so have home prices. Redfin now tells us that home price appreciation is 3% but most outlets say 2% some analysts that are more optimistic than me call today's housing market healthy. They don't call it slow. And why is that? Well, it's the healthiest it's been since covid, because now you have a good balance of buyers and sellers. The real estate market isn't so miserably deprived of inventory like it was back in 2022 in 2023 but I am going to go with slow now, as you know, I coined the phrase real estate pays five ways back in 2015   Keith Weinhold  8:09   But how exactly does that hold up in today's slow transaction market? Could an income property buyer's return even be disappointing now? Well, let's do it. Let's determine what you can expect if you purchase an investment property here in these slow market conditions, we'll determine your total rate of return in year one. And you know, this will be sort of like dating someone that's not the first date, but to really get to know them, to know if they're potential spouse material. You want to see them at their worst and be sure that they look good on their bad days. So let's just be conservative and use 2% home price appreciation. Say that you buy a 200k single family rental. Now a 20% down payment means 40k down. Sellers are willing to give you concessions now, say that they're going to pay your closing costs, because the 200k that you're paying is their full asking price, so it's your terms and their price. Well, say that you don't get any cash flow. The rent only covers the expenses exactly. Okay, so we're really painting on a not so pretty picture. Here, it would seem. Here we go, in a slow market, the first of five ways you're paid is that erstwhile appreciation. Your property only appreciates 2% from 200k up to 204k not so exciting, until, of course, as we know around here, you realize that your return is your gain on your skin in the game, your 4k gain divided by your 40k down payment gives you a 10% ROI. There it is leverage. Didn't just show up. It brought donuts. 10% just from the first of five ways you're paid. The second way is cash flow. Say that rent minus your 160k mortgage payment here and your operating expenses, that merely breaks even, like I was saying. So 0% additional return from cash flow. And before we add on numbers three, four and five to get your total rate of return in a slow market, let's take a moment to check on Jabba. How's Jabba doing? No, Jabba still hasn't gotten up from that heavy Thanksgiving dinner. It's still a slow market. We've confirmed that we're going to continue   Keith Weinhold  10:41   the third way you're paid, as any GRE listener knows by now, is with that ROA return on amortization, also known as principal pay down with a 7% mortgage rate in your 160k loan on this property, an amortization table shows you 1625 bucks a tenant made principal pay down. Divide that by your 40k down again, that is another 4% return. All right, so you add that to your 10% from leverage depreciation, and you've now got 14%   Keith Weinhold  11:17   next is your tax benefit. It's a 150k structure value, not the full 200k because raw land can't be depreciated. Multiply that by 3.6% depreciation, that means you've tax sheltered 5400 bucks. That is like a phantom loss that you get to show the IRS. Just a little more math here, and this is as far as you have to stretch it, in visualizing numbers in an audio format at a 24% income tax rate. That is 1296 saved on 40k down again, another 3% for you, and your running total is a 17% ROI before we get to the last one, which is inflation profiting, not inflation hedging, which almost everyone mistakenly says in real estate investing, it is inflation profiting.    Keith Weinhold  12:13   Your 160k loan gets eaten by 4800 bucks at a 3% inflation rate, divided by 40k down. And you know, inflation is usually the villain. Now it is the hero. You've got another 12% from inflation profiting. And here's the sum in this slow market, your total year one rate of return is 29%   Keith Weinhold  12:43   and you're like, my gosh, did that really just happen? Now you might want to skip back on some parts of that to help make it crystallize in your mind. I've got to tell you before I ran these numbers in this slow market with this 2% appreciation and even assuming zero cash flow, I thought your total rate of return would be in the low 20s, not this high, not 29%   Keith Weinhold  13:09   the numbers don't lie. They just don't get enough attention on CNBC.   Keith Weinhold  13:16   Now I did use shorthand and simplify. You would also have to adjust your 29% for inflation, just like you do for any investment. So then about a 26% inflation adjusted return for you. Wow. And if you want to know more about what I just used shorthand on, you can always watch the five videos on the five ways real estate pays for free at getricheducation.com/course that's get richeducation.com/course, the most valuable video course you'll ever see on real estate investing, but a huge investor lesson here, an epiphany today, is that it does not take a high growth market to build wealth. Even when it seems like real estate's half asleep, it can still work five jobs for you, we could be near the nadir of the cycle here.    Keith Weinhold  14:16   Appreciation has picked up in recent months, with mortgage rates being lower than they've been in a while, but even when appreciation and rent growth slows now, you can see that the ROA tax benefit and inflation profiting just keep working overtime. The bottom line here is that income property still pays a lofty 29% if you buy today, even in a slow market, and this is at a time when investors, a lot of them, don't know what to do with their money, since every market type seems to be near an all time high, and people don't want to buy in at those high levels, and savings accounts pay you less than a gumball machine, owning investment property proves its resilience. I mean, this is why we do this. It's kind of like stocks can party with a surge in an upcycle, and then they can bust and boom and bust and boom. But all the while, instead of partying, real estate just keeps its head down and works the night shift for you, your wealth quietly compounds in the background while the rest of the world panics or debates interest rates on LinkedIn or something.    Keith Weinhold  15:33   All right. Well, with that in mind, where can we take advantage of that real estate return and expect to do even better with it, even if the market did stay slow. Well, builders have unsold inventory in places like Texas and Florida, like I mentioned before, and to a lesser extent, in parts of the West as well, but the prices are too high out in the west for a cash flow investor. So today, you can buy at a discount in a way that you absolutely could not during the height of the pandemic.    Keith Weinhold  16:06   A guest and I are going to talk about a specific opportunity in today's market, and then how you can exploit it. The National Association of Homebuilders has even noticed that home flippers have switched gears, and increasingly, what flippers are doing is instead buying new build properties and then renting them out, because new builds have lower upkeep costs come with a lower mortgage rate because the builder is buying it down for you, they have lower insurance and they attract a better quality tenant that stays longer, even if the HVAC did break. That's okay, because new build homes often come with a warranty. The smart money knows that new build is where the opportunity is today. That's something that I've discussed for a while here, but today we're getting more actionable. CNBC let us know that the CJ Petra company reports that investors now make up the highest share of Homebuilders in five years. And you'll recall that we've had CJ Patrick, company founder, Rick sharga, on the show a lot with me here the past few years. Some say that the smart money is waking up again. I don't know investor activity is steady, but it's not really that much. It only seems like a lot because the wannabe owner, occupant, buyer has been priced out. So it's better to say that investor activity has been steady. Investors bought fully 1/3 of single family homes this past summer, and that is up from 27% in q1 I'll discuss that more soon.    Keith Weinhold  17:44   Hey, you know one thing that makes GRE different is that our show sponsors are here to supplement and benefit your specific investor activity. And another thing is that I use them myself. Thank God we are not here to tell you about pneumococcal pneumonia or your moderate to severe plaque, psoriasis. I don't even know what that stuff means. Freedom, family investments and Ridge lending group. I very know what they're about. I'm a satisfied client with each of them myself. So listen in.    Keith Weinhold  18:21   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1937795898, 377958989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:32   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally while it's on your mind, start at Ridgelendinggroup.Com, that's Ridge lending group.com   Kathy Fettke  20:05   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold.   Keith Weinhold  20:14   I'd like to welcome in a new guest to the show. He is a real estate investment strategist that's been working in the media industry since 2001 and throughout the career, he's held the title of a local news reporter, podcast host and producer for nationally syndicated companies like NPR. He's been in real estate nearly 20 years. Adam Schroeder, welcome to the show.    Adam Schroeder  20:48   Thanks for having me on. I really appreciate it.    Keith Weinhold  20:50   Yeah, I'm looking for your read on today's real estate market, just the general landscape overall, because Adam, I've shared that national transaction volume is down about 25% appreciation is still there, although it's been slow. Rents are just steady. We do, however, still have this supply that is down among entry level homes, something a lot of media articles broad brushstroke and don't understand, and really it's still a valid question to ask, even today. Is there any better risk adjusted return than income property that's bought, right? So what are your thoughts on the overall real estate investing landscape?   Adam Schroeder  21:30    Yeah, overall real estate investing, it's kind of like what you said, entry level housing. I remember I saw a heat map. This was probably five or six this was pre covid. It was maybe even seven or eight years ago. It was a heat map that showed, like, new construction, home pricing, and, you know, there was like 500,000 and up. Was just this massive chunk. And then there was all these ones, ones that were under about 300,000 it was around, like six or 8% or something like that. It was really, really small. If you look around, it hasn't gotten bigger. And so the question of inventory and availability and pricing, they're never going to talk about it on the national media, because there is no entry level home in Chicago, in New York, in LA, you're not going to find that. I mean, you're paying 200 grand for a doghouse in the backyard, if you're there. And so we are finding the entry level housing, but I think right now, an oversupply of inventory in some of these markets is a very good opportunity for people. If you're buying for with the right fundamentals, if you're buying in an area that's growing and has good long term, you know, 8,10, 15 year diagnostics. Then if you're buying now with builder incentives and all of that, yeah, your year one, year two, year three. Appreciation may not be the greatest because of that oversupply, but if you look at what's happening now with construction starts in a lot of places, builders have gotten scared off. They're not really starting them now. So if you're buying new now, in 2,3,4, years, all of the inventory will be sucked up, and there won't be new homes coming to the market. So you're going to be one of those people who has one of the newest homes in the area, more people are going to want to be getting in. And so your appreciation and rent growth is much more likely to be growing. So that's one of the things I love to look at, is I look at what new home starts, what happened in the past, what was oversupplied, but now, who's what cities aren't building. And if I know what cities aren't building, then I can compare it to, okay, well, you know, there are some cities in California that aren't building anything I'm not going to buy in California, but there are some cities in Minnesota, in Oklahoma, you know, in Texas, where they're not building anymore. And if it's landlord friendly and can cash flow and all of that, Sign me up. I'm bullish on parts of this, of the United States real estate market, not the whole United States real estate market.    Keith Weinhold  23:55   It's been pretty well documented that parts of the nation are overbuilt. However, especially in Florida and Texas. And I brought up the point months ago Adam that if you buy, say, a new build income property in temporarily overbuilt pockets today, five years from now, looking back five years onto today, you could be like, Yeah, I bought five years ago, when some areas were actually overbuilt, and I snagged a deal, and the builder was even giving me incentives like my rate at that time, because, you know, long term, the demand is going to be there and that the absorption is going to be there. So it's about knowing what's happening and then identifying the right time in that cycle. In today's environment, some feel that DSCR loans are a better option for investors, and what that means a debt service coverage ratio loan is that you qualify for the loan not with your personal income, but instead with the property's income. Do you see more investors employing dscrs?    Adam Schroeder  24:55   We see a ton for a really good reason. That is simply put, especially if you're utilizing these builder incentives, buy down rates on DSCR frequently outperform ones with conventional like some of the lenders we're working with. I look and let's say you're putting 4% I looked at it this morning with an investor with 4% of purchase price towards your loan on a DSCR loan, you're down to 5.49% on a DSCR, but conventional, you're at 5.75 that doesn't happen for the most part. It's just something that right now, the risk profile of investors is allowing the rates to be either at or better than conventional many times. Plus, people love to put their properties in LLCs for protection, and they'll worry with conventional, oh, what if a due on sale clause gets triggered, even though it's really hard to trigger that, if you worry about it, well, why not just get a loan that's equal or better than a conventional that doesn't go on your you know, debt to income and can go straight into the LLC to begin with, and then your hands are clean the whole way through, and you're not having to worry about transferring titling. Honestly, my wife is about to murder me because I have some properties that were meant to go into an LLC two years ago that are not currently in an LLC.   Keith Weinhold  26:17   Well, hopefully you'll live until the end of this interview. Tell us more about DSCR loans, and maybe some that, no you talked about the upside, maybe some red flags and some things to look out for, times when we would not want to employ that loan type.    Adam Schroeder  26:30   A lot of it with the DSCR you're looking at like you said, they're not evaluating you necessarily. Now you do have to show reserves. You do have to show that the property will perform on its own. But sometimes full doc loans with conventional can be the way to go, because, like I said, in the past, it used to be that DSCR loans were three quarters of a percent, or a full percent higher than the DSCR. Or, yeah, DSCR was higher than the conventional. And so if you could get a four and a half with a conventional versus a five and a half on a DSCR. It's well worth the extra paperwork that might come with doing it to save yourself that money and really build up your cash flow. We are just in a very awkward time of investing, where the investors for DSCR loans, the people who are buying those mortgages, are not the same people who are buying the Fannie Mae Freddie Mac secondary loan market, and so they just have different risk profiles, which allows the rates to be different. So that's really the big thing. Is, if you've still got your Fannie Freddie slots, it's worth talking to your lender and saying, what would it look like if I did this loan? What would it look like if I did that loan? Where am I? But when it's all said and done, if you're really close or equal, I would almost always skew towards the DSCR to protect myself, go straight into an entity and keep it off of my debt to income ratio, plus on dscrs. You also have the option, and we don't recommend this for every property or even for certain people, depending on risk profile, but you have the option to do an interest only loan with 20 or 25% down, which allows you to do kind of what we call cash flow management, where people get worried about interest only loans and say, Well, I'm not building equity. I'm not doing this, not doing that. Well, you're not, but you're also, you can still put principle towards your loan every month, right? Like a principal loan, maybe you're throwing 200 bucks a month, a principal towards that. Well, with an interest only loan, you can still put that $200 in. But what it means is, if there's a month where maybe you have some repairs that need to be done, or something like that, don't pay the principal and on the interest only, you're still okay on a principal and interest. If you can't pay that, if you just pay all the interest, they're still going to say, well, Keith, you're late on your loan, right? And so it gives you a little bit more flexibility, but it's not for everyone. It's not for every property, so definitely talk with lenders about that. But conventional loans don't offer that. DSCR loans can.    Keith Weinhold  28:53   There's always opportunity in every real estate market. It's just identifying what those are and then ethically exploiting the opportunity. So we're talking about buying in areas that are temporarily overbuilt utilizing DSCR loans. And another advantage in this market, which is an aberration, is the fact that new build properties, like few times in history, if any, actually cost less than renovated existing properties.    Adam Schroeder  29:20   Yeah. I mean, when you can get into, you know, an A class neighborhood with 80% owner occupied, 90% owner occupied, and you're getting in for way less than the median cost of a home in the US. You mean, you're getting in for, I mean, we've got new builds in the 220 range on some of them up to 400 you know, which is still below the median cost. Yeah, that's really good. If you're looking to get into any a class neighborhood, or even B plus neighborhood, finding a property that's 200 $250,000 in those areas is tough. It's just tough. And so especially because as pricing went up for everything with inflation, you know you can't do. Do a cheap rehab anymore. If you're going to do a good rehab, you can't do a cheap rehab. I talk to our teams all the time and tell me, Hey, I did, you know, I only spent $70,000 to renovate this property and like that is a lot of money. I know you're getting it out whenever you do the burn, you know, or sell to an investor, but still a lot of money to put in to get there.    Keith Weinhold  30:20   Well, then let's talk about identifying possible growth markets for long term investing success. New build properties tend to appreciate better than rehab properties. And you know what's funny, Adam, I was just sharing this with my audience on a recent episode. I largely disagree with this long time investing axiom in real estate that says appreciation is just icing on the cake. I think I know what they're saying that doesn't help you out on a month by month basis, but we're in real estate investing for the long term and long term, more of your returns typically come from leveraged appreciation than they do on the cash on cash return from cash flow. So to me, appreciation is not just icing on the cake. In a lot of cases, it is the cake. And really, that's something that new build can offer more of.    Adam Schroeder  31:09   Yeah, I mean, it's almost in, especially in today's market, it's almost like cash flow is the icing on the cake. You know, you can get a property that, you know, is in that really good area, like we're talking about, and is, maybe it's appreciated a little bit now, but it's very likely to appreciate a lot later. If you're only making, if you factor everything in maintenance, vacancy, all of that, and you're making $100 a month, that's solid, you know, if you look at it, and if you're in those areas, if you appreciate 5% on a $300,000 property, let me tell you this, you're not going to make $15,000 in cash flow that year on that property. So if you look at the people who are really retiring on cash flow, are usually the people who have 100 200 300 doors or something like that, and they play the law of large numbers. I don't want to play the law of large numbers personally, I want to have really good quality assets and have fewer of them, and really work on having positive cash flow, but having the equity growth that allows me to pull money out tax free and either buy more investments or utilize how I want in my life.    Keith Weinhold  32:16   Exactly. If your property cash flow is $100 a month and it's a single family home. Some people say, Oh, that's awful. You would need 100 of them just to get 10k pass it per month. Now you're thinking wrong, and you're oversimplifying it like to your point, with the 300k home and 5% appreciation, that's 15k in one year, you're building equity that can be borrowed against, tax free, and you're building up that lump sum cash flow windfall down the road, if you will, in real estate pays five ways and cash flow matters, but it's only one of five profit centers and all that. So yes, we're so aligned on that one, appreciation is not just the icing on the cake, it's substantially more than that. Well, I've got something to announce. Adam here is going to co host, along with our own longtime investment coach, Naresh, an upcoming live virtual event. And it's called how to scale your portfolio with tenanted cash flowing new construction properties. And it aligns in every way with the trends that we've been talking about and that Adam and I have been identifying here. The event takes place next week. But first, tell us more about what you and the ray shall be speaking about at the event there. Adam.   Adam Schroeder  33:29    one of the biggest concerns people have about real estate, and one of the things that can eat in your cash flow more than anything, is vacancy. I mean, vacancy can kill your deal whenever it's all said and done, because it's one thing, if you're, you know, break even or $100 a month positive cash flow. But whenever you've got a vacant property and you're negative $1,500 a month, that can hurt, that can hit the wallet. And so what we really love, if you can hit it, is a tenanted property that's new and is in a growing area, yeah, and we've got that thankfully. I mean, we've been able to work some really good relationships with national builders that have allowed us to get into they were doing a lease to purchase option with tenants who wanted to buy their property but didn't have it saved up, and these people didn't exercise their option, but they've renewed their lease so you can come in and buy a property that has them in place. It is a house that they wanted to buy. So how long are they likely to stay? Probably quite a while. They like the school district, they like the neighborhood. They like everything about it. You're coming in, you've got the builder incentives we talked about before, and you're just in a positive cash flow position already. Now we're in Texas, which I was actually funny enough. Earlier, right before this interview, I was reading about the states that are going to grow the most, projected until 2050 and they expect Texas to grow by nearly 9 million people between now and believe it was 2050    Keith Weinhold  34:55   everyone's asking, when is it going to pass? California is the most populous state in the nation.    Adam Schroeder  35:01   Well, it depends how many people. In California are part of that 9 billion we've gotten quite a few of them there. As somebody who lives in Texas, and we're in the big cities too. We're not in the Podunk Texas towns you think about in, you know, east or west Texas. We're talking Houston, Dallas and San Antonio, which are three of the top, I believe, 15 largest cities in the country. We're getting some really good incentives. You can get up to right now, 10% builder incentive. So a $300,000 house, you have $30,000 that you can use. That's massive. Yeah, you can get that money back after closing. We can buy your rate down. And we have some people who have literally taken the whole 10% and put it towards a fixed 30 rate at four and a quarter percent. Wow, they are locking themselves in at four and a quarter. Or we have some people who say, like, we were just talking about cash flow is not a concern for me. I'm going to take half my down payment back, and I'm going to go buy another property, because I'm only in this property for 10% now, and so they're able to be, you know, roughly break even in a good growing area, and they can acquire a second property. So you're buying two properties without mortgage insurance for essentially a 30% total down payment, and you're getting your 10% back if you buy the second property. So it's just really incredible time. Like you said, we haven't seen a time like this before. We were able to get into the wholesale division of these builders and provide these incentives that I've personally never seen before. Some of our reps are buying these homes themselves, so we're putting our money where our mouth is. It's just a great time, especially like you were saying, these homes the inventory, take advantage of the opportunity, right? And there's an opportunity that's presenting itself. And if you look at the long term demographics of Houston, Dallas and San Antonio. It's an arrow pointed up. That's what those areas are.    Keith Weinhold  36:46   100% I mean, it's almost as predictable as anything. There's never a guarantee, but continued population growth and obvious need for housing there is about as close as you can get. That's massive. 10% back, 380k purchase, $38,000 back at the closing table to use in discount point buy downs completely or half on discount point buy downs and half to pocket and use on another property or use on your next vacation or whatever you want to do. That's massive.    Adam Schroeder  37:18   Yeah, it's fantastic. One thing I forgot to mention about Houston. It's one of the things I love that people don't think about has the third most headquarters of fortune 500 companies in the country, behind New York and Chicago. So people don't think about that when they think of Houston. But I love to throw that out there, because it's there. I love Houston. I lived there for seven years. It's where I met Naresh, actually, and would happily move back there again   Keith Weinhold  37:42   right? Houston has moved so far past the monolith of just having oil be the economic driver. So we're talking about tenanted new construction properties in pretty hot markets, Houston, San Antonio and Dallas ready for you to purchase with that 10% builder incentive. And these are in communities that are primarily owner occupied, so they do have that high appreciation potential and that potential for solid rent growth. So on the live event, the webinar that you are invited to attend from the comfort of your own home, what you can do is just learn more about this overall strategy and why the time in the market is right for this. Learn more about those geographic markets themselves and then their drivers, and even see available new build income property. And the benefit of you attending a live is that you can have any of your questions answered right then and there. You can sign up at grewebinars.com, and Adam, before I ask you if you have any last thoughts, that event is next week. It is Thursday, November 13, at 8pm eastern time again, you can sign up. It is free. Space is limited, so that's something that you want to do now at grewebinars.com, any last thoughts? Adam   Adam Schroeder  38:51   yeah, I will just remind people there's always a reason to buy real estate, and there's always there's always a reason not to buy real estate, and depending on which one you subscribe to, you can always find those opportunities, or you can scare yourself off. So, you know, find the right opportunities that are there for you and your investing style and jump in. Because if you look at what's happening right now. When rates start coming down, owner ox are going to jump back in, and that tends to lead to prices going back up. Like Keith said, these are 85% owner occupied areas, and you're setting yourself up for success. And if you do it now, you can always refi later if rates come plummeting down right so find the right areas. Find the reasons to buy and go for it.    Keith Weinhold  39:41   This is a time when builders are really willing to give you a break. Take advantage of it if you possibly can. Adam, it's been great having you here on the show, and our audience looks forward to seeing more of you next week.   Keith Weinhold  40:00   Yeah, some real potential here. I'm rather excited for your future as a listener next week, investors like DSCR loans, since the qualification looks at the property, not you, and see conventional loans are more for owner occupants. They're fine. They work for investors too. But with dscrs, besides their other advantages, they're a check on making sure your property is profitable. It is just your rent divided by your debt service. That's all it is. So for example, with a $1,000 rent and a piti payment, principal, interest, taxes and insurance payment of 800 bucks. Well, then your DSCR is 1.25 Investors love them because there's no personal income verification, no W twos, tax returns, pay stubs. There's no debt to income ratio bar for you to have to clear also conventional loans often cap you at 10 financed properties, and DSCR loans have no such limit, so there's faster underwriting and easier approval. But with dscrs, look out. I mean, there could be some higher fees, and you might have a three to five year prepayment penalty. But buy and hold investors often keep the property that long anyway, so grow your income streams with dscrs, even when the w2 world says no. And notably, dscrs have absolutely nothing to do with job of the hut either. No sluggy concerns there   Keith Weinhold  41:42   if you've wanted a deal on a property today, here you are with these new build incentives that are really good, better than what most builders are giving looks like. Here's your chance. One reason that the builders are giving us a deal is because of the bulk of GRE buyers. This is for you, if you might want one property or 14 properties load up with these up to 10% builder incentives, or just attend the webinar and learn more. We got into the wholesale division of these builders. We got them right where we want them. The properties are typically already tenanted. So plant your flag in the ground, and call this the pivot point. This whole thing could be a bigger deal than the first man to walk on Mars. We'll see, though, no man has walked on Mars yet, but you don't need to wait that long. Take one of your 30,000 days that you've been gifted in this life of yours, the 30,000 days you've been allotted on this earth to win back some of your future finite time. It is next week, Thursday, the 13th, at 8pm Eastern. It's also GRE last event of the year, your last chance, a live, virtual event where you can attend from the comfort of your own home or anywhere. And it's free. Registration is open now. Sign up at gre webinars.com that's gre webinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  43:17   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively you   Keith Weinhold  43:45   The preceding program was brought to you by your home for wealth building, getricheducation.com

Sunday marks day 33 of the government shutdown with no end in sight. Approximately 650,000 furloughed federal workers received fresh notices telling them to stay home without working and without pay, and many are beginning to feel the pinch. John Yang speaks with Jeremy Mayer at George Mason University for more on what could soon become the longest shutdown on record. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

The national redistricting wars has entered a new phase - It use to be your vote mostly counted. Now the Dems are forced to fight fire with fire. Maple Syrup Alert! Canada is preparing to declare America as guilty of human rights abuses - How will Trump handle this? More tariffs? War mongering? Crazy Alert: Federal workers must now ‘clearly' show support for Trump on year-end reviews: report.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

1. Government Shutdown and Federal Worker Pay The episode opens with a discussion of a government shutdown, referred to as the “Schumer shutdown.” Senator Cruz criticizes Democrats for voting against legislation that would have paid essential federal workers during the shutdown. He highlights specific Democratic senators who voted in favor (Warnock, Ossoff, Fetterman) and criticizes the rest for voting against it. Cruz emphasizes the impact on TSA agents, air traffic controllers, and military personnel, warning of potential travel disruptions and national security risks. He also notes that members of Congress continue to receive pay during the shutdown, though he claims to have requested his own pay be withheld. 2. Rise of Antisemitism on the Right Cruz expresses concern about increasing antisemitism within conservative circles, particularly among younger people. He recounts his speech at a Christians United for Israel event, where he warned about the dangers of ignoring antisemitism on the right. He criticizes both the left and right for harboring antisemitic sentiments, but emphasizes a recent rise on the right. Cruz calls on church leaders and conservatives to actively oppose antisemitism and support Israel, citing national security interests and moral obligations. 3. Opposition to Ambassador Nominee Amer Ghalib Cruz discusses his opposition to Amer Ghalib, a nominee for U.S. Ambassador to Kuwait. He criticizes Ghalib’s past statements, including praise for the Muslim Brotherhood and controversial social media activity. Cruz argues that Ghalib’s views are incompatible with U.S. foreign policy and President Trump’s positions, particularly regarding Israel and the Abraham Accords. He predicts that the nomination will likely be withdrawn due to bipartisan concerns. 4. Religious Persecution in China The podcast concludes with a segment on the persecution of Christians in China, particularly the arrest of Pastor Jin Mingri and members of the Zion Church. Cruz condemns the Chinese Communist Party’s actions and calls for the U.S. to use diplomatic and economic pressure to advocate for religious freedom. He emphasizes the importance of the U.S. standing up for persecuted religious minorities globally. Cruz expresses hope that President Trump will raise the issue during an upcoming meeting with Chinese President Xi Jinping. Go to BackyardButchers.com and enter promo code “VERDICT”, that’s V-E-R-D-I-C-T, for up to 30% off, 2 free 10-ounce ribeyes, and free shipping when you subscribe. http://www.backyardbutchers.com/Verdict Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Furloughed government workers speak out about the effects of the shutdown on their everyday lives. Missing paychecks are taking a toll while they try to balance everyday expenses, insurance payments, rent, and even college tuition. Learn more about your ad choices. Visit podcastchoices.com/adchoices

New images show portions of the White House are now rubble even though President Trump previously said that the structure would not change with the addition of the ballroom. Plus, Russia launches a large scale attack against Ukraine and NATO's secretary general is huddling with Trump working to drive an end to the war.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

The New Yorker staff writer E. Tammy Kim joins Tyler Foggatt to discuss how the government shutdown is affecting the federal workforce. They talk about how the shutdown began and what it means for hundreds of thousands of civil servants who have been furloughed, laid off, or required to work without pay. They also examine the Administration's new “reductions in force,” or mass layoffs across key agencies, and how those cuts are being used in the effort to shrink and politicize federal agencies—and how those efforts could weaken not just essential public services but the long-term stability and nonpartisan functioning of the federal government itself. This week's reading: “Inside the Trump Administration's Assault on Higher Education,” by Emma Green “The Indictment of Letitia James and the Collapse of Impartial Justice,” by Ruth Marcus “The Real Problem Is How Trump Can Legally Use the Military,” by Jeannie Suk Gersen “The End of Israel's Hostage Ordeal,” by Ruth Margalit “What Zohran Mamdani Knows About Power,” by Eric Lach Tune in to The Political Scene wherever you get your podcasts.  Learn about your ad choices: dovetail.prx.org/ad-choices

In today's podcast - John discusses Trump's minion, Mike Johnson, refusing to address the issue of declining health care and admitting they are using the government shutdown to gut agencies and blackmail Dems into capitulation. He also talks about Dept. of War Head, Pete Kegsbreath, creating a new Pentagon policy requiring full editorial oversight of coverage regarding the military and national defense. Then, he welcomes back Wajahat Ali - who is a columnist, public speaker, former attorney, and Sr. Fellow at the Western States Center. They discuss the GAZA ceasefire and the government shutdown. Next, John speaks with author and broadcaster Ray Suarez on immigration and his book "We Are Home: Becoming American in the 21st Century". And winding it up, John jokes with Comedy Daddy aka Keith Price and they both talk listeners off the edge with wonderous wit and whimsical wisdom.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

More than 4,000 federal employees received layoff notices Friday as part of the Trump administration's broad effort to reshape the government while it remains shutdown, according to a court filing. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Special Guest Host Matt Gaetz is joined by Phil, Elaad, Dave DeCamp, & Curtis Mills to discuss the government shutdown, Candace Owens leaking texts from Charlie Kirk about donors, and the possibility of the US going to war with Venezuela.   Hosts:  Matt Gaetz @MattGaetz (X) Phil @PhilThatRemains (X) Elaad @ElaadEliahu (X) Serge @SergeDotCom (everywhere) Guests: Dave DeCamp @DecampDave (X) Curt Mills @CurtMills (X)

It's been a week since a federal shutdown ground work at numerous government agencies to a halt. There's no indication that an agreement could come soon, as Republicans and Democrats in congress trade continue blame. Meanwhile, federal workers are stuck in limbo, and its unclear when or if they'll be able to return to their jobs. NPR's Labor Correspondent Andrea Hsu and political reporter Stephen Fowler explain what's causing the impasse  in congress and what's at stake for the federal employees caught in the middle.For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org. Email us at considerthis@npr.org.This episode was produced by Michael Levitt.It was edited by Courtney Dorning, Padma Rama and Emily Kopp.Our executive producer is Sami Yenigun.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

 Headlines: – Welcome to Mo News (02:00) – Pam Bondi Clashes With Senate Democrats in Fiery Capitol Hill Hearing (04:15) – Texas National Guard Arrives In Chicago (11:10) – Air Traffic Chaos Grows as Trump Floats No Retro Pay for Federal Workers (12:10) – ‘Two Bullets to the Head': Leaked Texts Rock Virginia Attorney General Race (19:45) – Supreme Court Appears Poised to Strike Down Ban on Gay Conversion Therapy (23:00) – Gold Tops $4,000 as Investors Flee Dollar for ‘Safe Havens' (26:00) – Zach Bryan Sparks Backlash Over Anti-ICE Lyrics in New Song ‘Bad News' (28:15) – Taylor Swift Explains Why She Doesn't Want Super Bowl Halftime Gig (31:15) – On This Day In History (34:00) Thanks To Our Sponsors:  – ⁠LMNT⁠ - Free Sample Pack with any LMNT drink mix purchase –⁠ Industrious⁠ - Coworking office. 50% off day pass | Promo Code: MONEWS50 – Incogni - 60% off an annual plan| Promo Code: MONEWS – Leesa – 25% off mattress, plus extra $50 off | Promo Code: MONEWS – Factor Meals – 50% your first box plus free shipping | Promo Code: monews50off – Monarch Money - 50% off your first year | Promo Code: MONEWS

The federal government shutdown is in its seventh day, with negotiations on Capitol Hill over reopening the government at a stalemate. We discuss how the shutdown is affecting federal workers and the services they keep running, as well as warnings by the White House that they will lay off workers as a result of the shutdown.This episode: senior White House correspondent Tamara Keith, labor and workplace correspondent Andrea Hsu, and political reporter Stephen Fowler.This podcast was produced by Casey Morell & 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

No Tears for the Federal Workers, Trump's Payback, Dinesh D'Souza- Jan 6 Vindication, Buy Your Silver Now! Christian Genocide in Nigeria   Brittany Hughes- No Tears for the Federal Workers. India's Digital ID- Digital Starvation and Death Dinesh D'Souza January 6th, 2021 Looks Different Now Buy Your Silver Now Christian Genocide in Nigeria Exposed   Brittany Hughes- No Tears for the Federal Workers.   Post TeeJay @TrevorJukes1 India's Digital ID- Digital Starvation and Death   January 6th, 2021 Looks Different Now Watch this video at- https://youtu.be/LlrrgE8_Xc4?si=82HSUIVngCB0C7GH Dinesh D'Souza 800K subscribers 64,755 views Sep 30, 2025 The Dinesh D'Souza Podcast January 6 looks different now — and those who doubted the original story are vindicated once again. My new film "The Dragon's Prophecy" opens in select theaters Monday Oct. 6 and Wednesday Oct. 8. Streaming and DVD starts Thursday Oct. 9. Get movie tickets and pre-order steaming and DVDs at TheDragonsProphecyFilm.com — Dinesh D'Souza is an author and filmmaker. A graduate of Dartmouth College, he was a senior domestic policy analyst in the Reagan administration. He also served as a research fellow at the American Enterprise Institute and the Hoover Institution at Stanford University. He is the author of many bestselling books, including "Illiberal Education," "What's So Great About Christianity," "America: Imagine a World Without Her," "The Roots of Obama's Rage," "Death of a Nation," and "United States of Socialism." His documentary films "2016: Obama's America," "America," "Hillary's America," "Death of a Nation," and "Trump Card" are among the highest-grossing political documentaries of all time. He and his wife Debbie are also executive producers of the acclaimed feature film "Infidel." — Want to connect with Dinesh D'Souza online for more hard-hitting analysis of current events in America? Here's how: Get Dinesh unfiltered, uncensored and unchained on Locals: https://dinesh.locals.com/ Facebook:   / dsouzadinesh   Twitter:   / dineshdsouza   Rumble: https://rumble.com/dineshdsouza Instagram:   / dineshjdsouza   Parler: https://parler.com/user/DineshDSouza GETTR: https://gettr.com/user/dineshdsouza Email: https://dineshdsouza.com/contact-us/   Buy Your Silver Now "It's NOT A TRAP! Bullion Banks Want You to BUY Gold & Silver IMMEDIATELY" - Mike Maloney "It's NOT A TRAP! Bullion Banks Want You to BUY Gold & Silver IMMEDIATELY" - Mike Maloney Silver is no longer just an overlooked asset—it's on the edge of a historic breakout. Analysts warn the market may fail to deliver physical silver contracts, igniting panic buying. If prices push beyond $50 an ounce, the world's financial press will be forced to cover the story, pulling in retail and institutional investors alike. In this video, we break down: Why October is known as “Crash Month” and why 2025 may be no different. How $20 trillion in U.S. liquidity—and $350 trillion globally—could overwhelm silver supply. Lessons from the 1980 and 2011 silver spikes—and why this bull run is stronger. What delivery failures could mean for $80, $100, or even higher silver prices. We share interviews from experts like Rick Rule, Peter Schiff, Mike Maloney, Lynette Zang, and many others. Stay up-to-date with the world of finance and make informed decisions with our expert insights. Subscribe now and never miss a video! Watch this video at-   https://youtu.be/VoWAU5nCECI?si=6L38WCafpkebQOOP The Bullion Brief 3.78K subscribers 1,900 views Oct 3, 2025 #gold #goldpriceprediction #mikemaloney CREDIT - GoldSilver    • Are We About To See A 'Failure To Deliver'...   #gold #goldpriceprediction #mikemaloney #economy #money #silver #preciousmetalprice #silveranalysis #silverprice   Christian Genocide in Nigeria Exposed Christians in Nigeria face a brutal wave of killings, kidnappings, and burned churches. Over 125,000 dead since 2009, yet the media barely covers it. Boko Haram, ISIS, and extremists target villages while the world looks away. Why is Christian persecution ignored?   Watch this video at- https://youtu.be/RmzhWRmVHhk?si=D2h9RLdjgxrQN5eh Valuetainment 7.01M subscribers 295,258 views Oct 2, 2025 Christians in Nigeria face a brutal wave of killings, kidnappings, and burned churches. Over 125,000 dead since 2009, yet the media barely covers it. Boko Haram, ISIS, and extremists target villages while the world looks away. Why is Christian persecution ignored?  ------ ✝️ FAITH OVER FEAR COLLECTION: https://bit.ly/4nAU1Qe?r=qr Ⓜ️ PBD PODCAST CIRCLES COMMUNITY: https://bit.ly/4mAWQAP

Federal workers across the United States are feeling the impact of the government shutdown. This comes after months of turmoil for federal workers as agencies have slashed their workforces as part of the Trump administration's large-scale government job cuts.NPR's Andrea Hsu talks to Andrew Limbong about her reporting on the federal workforce and the challenge of finding people willing to talk about their experiences. For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org. Email us at considerthis@npr.org.This episode was produced by Kira Wakeam and Avery Keatley. It was edited by Adam Raney. Our executive producer is Sami Yenigun.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The Republican-run government has shut down, Trump is using misinformation to blame Democrats, and Erin and Alyssa explain what's at stake. Then they dive into Ezra Klein's recent bad takeapalooza, on everything from Charlie Kirk's legacy to pro-life Democrats. And, of course, there's the latest Epstein files news, some races to watch in Virginia, and a big week for creeps, overall. They wrap up in the Sanity Corner with a discussion about their excitement for Aaron Sorkin's The Social Reckoning and a petty roast of Ivanka Trump's Instagram. Explaining the G.O.P.'s Misleading Talking Point on the Looming Shutdown (NYT 9/29)Ta-Nehisi Coates on Bridging Gaps vs. Drawing Lines (NYT 9/28)RFK Jr. launches FDA review of abortion pill (ABC News 9/24)Musk, Thiel and Bannon named in Epstein docs released by Dems (Axios 9/26)Elon Musk's Father Accused of Child Sexual Abuse (NYT 9/25)Money manager Howard Rubin detained in sex trafficking case after feds cite hitman threat (CNBC 9/26)Ryan Walters steps down as Oklahoma schools chief to lead anti-teachers union group (The 19th News 9/26)The State of Our Nation: Gauging Americans' political opinions in 2025 (The 19th* 9/25) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Democrats and Republicans dig into their political corners as the shutdown enters day two. Then, from air traffic controllers and active duty troops, federal workers have been furloughed or are working without pay, and it's threatening to strain U.S. economic growth. Plus, a deeper look into Oracle co-founder Larry Ellison, and why some are calling him the "shadow president'. Hagar Chemali, Anthony Fisher, Ron Insana, and Jake Lahut join The 11th Hour Midweek Nightcap this Wednesday night. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Immigration and Customs Enforcement is turning to retired federal workers as it tries to rapidly boost its ranks. We discuss the reasons behind the agency's hiring spree and the challenges it faces in its efforts.This episode: political correspondent Ashley Lopez, immigration policy correspondent Ximena Bustillo, and senior political editor and correspondent Domenico Montanaro.This podcast was produced by Casey Morell & 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.For handpicked podcast recommendations every week, subscribe to NPR's Pod Club newsletter at npr.org/podclub.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy