Podcasts about federal workers

The latest local news impacting D.C., Maryland and Northern Virginia. Today's stories include: the federal government shutdown is over and federal workers going back to work. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Lawmakers return to Washington, D.C. to vote on ending the longest running U.S. government shutdown, as disrupted travel continues nationwide. Also, President Trump sends the world's largest warship, the U.S.S. Gerald Ford, to the Caribbean to support operations against alleged Latin American drug cartels. Plus, Hollywood legends Michael Caine, Matthew and McConaughey and other celebrities team up with an AI company. And, rising Christmas tree prices have shoppers choosing between real and artificial as they look to save on holiday costs. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Shutdowns are prompting a major mindset shift among federal workers, with many turning to side hustles for financial relief and some planning to stick with them long-term. But federal employment rules around outside work are strict, and missteps can carry serious consequences. Here to explain what's driving the change and what workers need to know before picking up a second job is Novo Constare, CEO of Indeed Flex.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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  

Send us a textPaychecks paused, budgets stretched, stress rising—when a shutdown hits home, the first question is simple: where can I get help today? We invited Assistant Chief Administrative Officer Earl Stoddard to walk us through the fastest, most reliable ways Montgomery County residents can find support for food, rent, mental health, and work options, all without getting lost in red tape. The theme is practical and human: one call to 311 connects you to real people who assess your situation and build a plan around your needs.Be sure to like, subscribe and share.

The Newsom administration is urging Californians to donate to food banks while SNAP benefits are halted. And, as the shutdown continues, military families and federal workers across the Central Coast are living with financial uncertainty.

As the current shutdown tops the 35-day record of 2018-2019, the impact on the federal workforce grows. The administration has signaled it may withhold back pay from furloughed employees and proceed with mass reductions in force, despite clear legal protections. Attorney Heidi Burakiewicz breaks down the Anti-Deficiency Act amendments, ongoing litigation in California courts, and what federal employees facing RIF notices need to know about their rights and legal recourse. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Steve Bugg, President & CEO of Great Lakes Credit Union, joins WGN's Jon Hansen to discuss how they are helping federal workers stay on their feet during the government shutdown. Steve also shares other programs they offer to members and how they are educating the community with their financial counselors. For more information, visit: www.glcu.org.

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

What can federal workers do during the shut down HR 4 full 2285 Mon, 03 Nov 2025 20:00:04 +0000 Jwz2b9g597kL9Ff3OvJWAT7q8K4lo0VX news MIDDAY with JAYME & WIER news What can federal workers do during the shut down HR 4 From local news & politics, to what's trending, sports & personal stories...MIDDAY with JAYME & WIER will get you through the middle of your day! © 2025 Audacy, Inc. News False https://player.amperwavepodcasting.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

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 call for a general strike was the most concrete demand coming from the massive no kings day protests. And labor and pro-Palestine advocates are picking up the baton, demanding that unions in the U.S. shut it down and end US weapons and shipments to the apartheid state of Israel. And, after a border patrol agent shoots at man in DC during a routine traffic stop, a coalition of African American and Latinx activists demand that attacks in DC by ice and federal police end immediately.  Plus Headlines, Federal workers line up for food aid, and more...  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

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.

5pm: Largest Federal Workers Union Urges Dems to Cave on Government Shutdown, Revealing Cracks in Coalition // CNN’s Jake Tapper blames democratic senators for shutdown // Senate Leader John Thune goes berserk on senate floor // Seattle businesses brace for impact as Amazon cuts 14K jobs amid AI shift // Amazon cuts more than 2,300 jobs in Washington state as part of broader layoffs // Amazon Plans to Replace More Than Half a Million Jobs With Robots // Bill Gates Admits That Climate Change 'Will Not Be the End of Civilization' // Bill Gates’ decades of climate doom-ism // Letters

Are the tides turning against the Democrats? The Washington Post who have a long history of criticizing Republicans and set their eyes on Senate Democrats over the government shutdown. Federal workers are also upset with the Democratic Party over the shut down. Democrats demand the Trump use emergency funds to cover SNAP benefits in November. Joyce also talks about the New York Mayoral election and Zohran Mamdani's support of Muslims over Jewish people. There is a new Dr. Seuss new book in the works that is sure to make Woke culture upset. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The government shutdown has lasted nearly a month now and there's no indication that Congress is any closer to resolving the budget conflicts before funding ends for several key programs on Nov. 1. Minnesota is home to 18,000 federal workers, many of whom have been told to stay home and not work, or work without pay. This week was the first where many didn't receive a paycheck. Abby, a federal worker in Minnesota, felt the impact Monday when she went to the pharmacy to pick up prescriptions. “I double checked my bank account to make sure I had enough to cover it. It was tough, and I knew I had to buy a bunch of other things as well,” she said. MPR News is not sharing Abby's last name, or the agency she works for, because she fears workplace retaliation. To understand the conversations federal workers are having around the dinner table as uncertainty grows, MPR News host Nina Moini spoke with with Ruark Hotopp. He is the national vice president of the American Federation of Government Employees District 8, a union that represents federal workers in Minnesota and other Midwest states.

On the Wednesday, Oct. 29 edition of Georgia Today: As enrollment declines, the city of Atlanta proposes closing some public schools; the Arthur M. Blank Foundation donates to hurricane relief; Georgia federal workers unions give out Halloween costumes for kids of furloughed federal workers.

With the government shutdown in its fourth week and the fight over extending Affordable Care Act subsidies nowhere near over, the federal workers union is now calling for Democrats to abandon the effort. The American Federation of Government Employees wants Congress to pass a “clean” stopgap funding bill now so their workers can get paid, but others in favor of health care subsidies say holding out a little longer is key. That's because next week,  Republicans may also feel pressure as Americans insured via the Affordable Care Act will see wildly higher costs.We'll talk about it with Pulitzer Prize winning author and investigative journalist David Cay Johnston.AI expert and entrepreneur Rahul Powar will stop through to talk about the benefits and the risks of artificial intelligence.Emergency physician, Dr. Michael Daignault, considers Trump's recent admission that he needed both an MRI and a cognitive test. Plus, it's vaccine season and our Dr. Daignault has some great information. The Mark Thompson Show 10/28/25Patreon subscribers are the backbone of the show! If you'd like to help, here's our Patreon Link:https://www.patreon.com/themarkthompsonshowMaybe you're more into PayPal.  https://www.paypal.com/donate/?hosted_button_id=PVBS3R7KJXV24And you'll find everything on our website: https://www.themarkthompsonshow.com

AP correspondent Ed Donahue reports on a court ruling involving government job cuts.

Akron recently became the third city nationwide to join Work for America's "Spotlight City" initiative, a program aimed to hire displaced federal workers for jobs in local government.

This Day in Legal History: Volstead ActOn October 28, 1919, the Volstead Act was passed by the U.S. Congress over President Woodrow Wilson's veto, laying the legal foundation for Prohibition in the United States. Formally titled the National Prohibition Act, the law was intended to provide for the enforcement of the 18th Amendment, which had been ratified earlier that year and prohibited the manufacture, sale, and transportation of intoxicating liquors.The Volstead Act, named after Representative Andrew Volstead of Minnesota who introduced it, defined what constituted “intoxicating liquors”—a key point of contention. It set the threshold at anything containing more than 0.5% alcohol by volume, thereby banning even beer and wine, which many Americans had not expected to be included. The law also outlined penalties and enforcement mechanisms, giving the federal government new policing powers.Prohibition officially began in January 1920, sparking a surge in bootlegging, speakeasies, and organized crime. While intended to curb alcohol consumption and related social problems, the law instead fueled a vast illicit economy. Enforcement proved difficult and inconsistent, and public support for Prohibition declined steadily throughout the 1920s.The Volstead Act remained in effect until the 21st Amendment repealed Prohibition in 1933, marking the only time a constitutional amendment has been entirely undone by a subsequent amendment. The legacy of the Volstead Act lingers in ongoing debates about federal regulation, moral legislation, and the limits of enforcement.In a push to speed up electricity access for the fast-growing data center sector, U.S. Energy Secretary Chris Wright has directed federal energy regulators to consider a rule that would streamline how new projects connect to the electric grid. The proposed rule, sent to the Federal Energy Regulatory Commission (FERC), would allow customers to file combined requests for both energy demand and generation at the same site—cutting study times and costs. Wright also asked FERC to explore completing grid project reviews within 60 days, a sharp departure from the years-long timelines currently common.This move comes as U.S. power demand rises sharply, largely due to artificial intelligence workloads, prompting the Trump administration to seek expanded capacity, particularly from fossil fuel and nuclear sources. Though the Energy Secretary cannot compel FERC to act, the Republican-led commission will now weigh the proposals. Industry groups like the Edison Electric Institute praised the initiative as a necessary step to stay competitive, while environmental advocates criticized the fast-tracked timelines as reckless, especially during a government shutdown.Wright also urged FERC to ease the permitting process for hydroelectric development, drawing praise from the hydropower industry, which sees regulatory delays as a major barrier to growth. The proposals reflect the administration's strategy to meet surging energy demand quickly, though they raise concerns about environmental oversight and procedural rigor.US pushes regulators on connecting data centers to grid | ReutersTexas's new Business Court, launched in September 2024 across five major cities, is quickly becoming a boon for law firms, attracting a wave of high-stakes commercial litigation and prompting staffing increases. Major firms like Jackson Walker, Norton Rose Fulbright, and Baker Botts are leading the charge, with over 220 cases already filed—far exceeding early expectations. The court, designed to compete with Delaware's Court of Chancery and bolster Texas's business-friendly reputation, is drawing interest from corporate giants like AT&T, BP, and Exxon Mobil.Lawyers are treating the venue as a prestige arena for complex business disputes, and firms are responding by hiring, publishing guides, and producing media content to market their expertise. For example, Norton Rose launched a video series on court developments, while Haynes Boone created an internal task force to track rule changes.The court's promise of faster timelines—often under 18 months compared to multi-year waits in traditional courts—is one of its major selling points. Judges are aiming to build out a body of corporate case law to make Texas a viable alternative to Delaware for resolving business disputes. Despite no trials yet, over three dozen cases are jury-bound in the next year, signaling strong demand. The court's rapid rise suggests it could reshape where and how major commercial litigation happens in the U.S.Law Firms Join Early Winners in ‘Very Hot' Texas Business CourtThe head of the American Federation of Government Employees (AFGE), the largest federal worker union, is urging Senate Democrats to help end the nearly month-long government shutdown—the second longest in U.S. history. AFGE President Everett Kelley called for an immediate reopening of the government through a “clean” short-term funding bill, aligning with a version passed by the Republican-controlled House in September.Democrats have resisted that approach, instead demanding that Republicans first agree to renew subsidies for Obamacare insurance plans. Kelley's statement increases pressure on Democrats, as federal employees begin to feel the financial strain—many missed their first full paycheck last week, and essential services like food aid and air traffic control are being impacted.Kelley also called for guaranteed back pay for all affected workers and urged bipartisan efforts to fix the broken appropriations process and address rising costs. A senior Senate GOP aide noted the union's position might signal a turning point in negotiations, potentially encouraging Democrats to reconsider the short-term funding route.Federal Worker Union Calls to End Shutdown, Pressuring DemocratsMy column for Bloomberg this week looks at Italy's decision to raise its flat tax on wealthy foreign residents—a move that reflects the unsustainability of luring the rich with short-term tax deals. Italy isn't backtracking because its plan failed outright; it's doing so because it succeeded just long enough to paper over a deeper revenue gap. The original policy, a 100,000-euro annual payment to exempt new wealthy residents from foreign income taxes, was a bold but limited solution that boosted luxury markets without delivering long-term fiscal stability. Now, Italy is bumping that fee up to 300,000 euros by 2026 to keep the scheme afloat.That's a warning for the U.S., where the Trump Tax Cuts and Jobs Act followed a similar path—offering generous upfront tax cuts to high earners with no lasting funding mechanism. Rather than building resilience into the tax system, both countries are layering short-term relief on top of structural deficits, leaving future policymakers to scramble for temporary fixes. I argue for automatic sunset provisions that scale back preferential tax treatment when equity or revenue metrics worsen, allowing tax codes to serve as stabilizers instead of giveaways. Metrics like tax revenue as a share of GDP or the Gini coefficient could trigger phaseouts without requiring political intervention.Italy's flat tax is a case study in what happens when fiscal policy becomes a subscription model for the wealthy: the price keeps going up, and the returns diminish. The U.S. is running a version of the same play, just with fewer disclosures and rosier assumptions. 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

On the Monday October 27th edition of Georgia Today: A study finds old and young alike are using fentanyl and other stimulants at the same rate; Tariffs eat into a local company's profits; Furloughed federal workers bemoan DC lawmakers' seeming inability to come to an agreement.

In our news wrap Monday, hundreds of thousands of federal employees are still off the job as the government shutdown enters its 27th day, Indiana is joining the growing fight over redistricting ahead of next year's midterm elections, former President Biden says the nation is in "dark days" and the Navy is investigating two separate crashes involving aircraft from the USS Nimitz this past weekend. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

In our news wrap Monday, hundreds of thousands of federal employees are still off the job as the government shutdown enters its 27th day, Indiana is joining the growing fight over redistricting ahead of next year's midterm elections, former President Biden says the nation is in "dark days" and the Navy is investigating two separate crashes involving aircraft from the USS Nimitz this past weekend. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

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.

The government shutdown reached day 24 on Friday, marking another milestone for federal workers as they missed a paycheck. That is putting the squeeze on family finances, and many federal workers are now turning to local food banks to help put food on the table. Lisa Desjardins discussed more with Radha Muthiah, the CEO of the Capital Area Food Bank in Washington. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Hundreds of thousands of federal employees have missed their full paycheques for the first time since the beginning of the government shutdown three weeks ago, with Democrats and Republicans still blaming each other for the lapse in federal funding. We hear from a US federal employee at the Department of Defence on the East Coast. And this week the fight moved to the courts over another politically contentious area – the massive charges the Trump administration wishes to impose on H1B visas – the work visas issued to up to 65,000 foreign workers each year, looking for jobs that US employers say they are unable to fill otherwise. Also, Canada's prime minister, Mark Carney, says he's ready to resume trade negotiations with the United States when Washington is ready. This comes after President Trump announced he was abruptly ending talks because of an anti-tariff advertising campaign by the province of Ontario. (Picture: A sign outside the National Gallery of Art alerts visitors the museum is closed in Washington and remains closed due to the government shutdown on 23 October 2025. Credit: photo by JIM LO SCALZO/EPA/Shutterstock).

Many federal workers woke up without paychecks today as the government shutdown drags on. Greg and Holly speak with Bill Crim, President & CEO of United Way of Salt Lake, about what to know about the 211 resource and what individuals can do today to support those in need. The hosts check in with Ginette Bott, President and CEO of the Utah Food Bank, about the rise in demand for food pantries and what is needed most with donations right now.

Social security recipients to get cost-of-living boost in 2026 Utah lawmaker proposes limit on number of bills lawmakers can file Trump vs Canada: Trade talks off due to Canadian ad featuring Ronald Reagan Report: More than 70% of Utah jobs will require postsecondary education by 2031 From wastewater to white powder? The future of snowmaking Chillingly realistic movies that could actually happen

Help for federal workers and finding literary inspiration at the nation's first radio astronomy observatory. And, an Appalachian writer drew inspiration from memories of her childhood vision to the Green Bank Observatory. The post Help For Unpaid Federal Workers And Inspiration At The Green Bank Observatory, This West Virginia Morning appeared first on West Virginia Public Broadcasting.

Two IRS workers in New England say they are furloughed as the government shutdown drags on and are concerned about their livelihoods. "It about time that we stop being used as pawns in this situation," said Beth Willwerth, an IRS employee in Andover.

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

On Day 23 of the federal government shutdown, Senate votes down a bill offered by Republicans to pay the military and federal workers who required to work without pay. Senate Democrats offer an alternative to pay all federal workers, even those on furlough, but that, too, is rejected; President Donald Trump pardons the founder of cryptocurrency exchange Binance, who was convicted of violating federal anti-money-laundering laws; President Trump holds a roundtable discussion at the White House on efforts to stop human trafficking by criminal cartels; San Francisco's mayor says the President has canceled a federal law enforcement & possible National Guard surge into his city; Secretary of State Marco Rubio arrives in Israel as VP JD Vance is leaving. Both criticize a vote in the Israeli Knesset related to Israel's annexing the West Bank; In DC, Republican and Democratic Senators question President Trump's nominee for U.S. Ambassador to Kuwait Amer Ghalib over past online posts some see as antisemitic; FBI Director Kash Patel announces arrests in an NBA multi-million dollar gambling scandal, including a player and a coach. Charges include sports bets rigging and operating illegal rigged poker games in cooperation with the mafia. Learn more about your ad choices. Visit megaphone.fm/adchoices

About this episode: Following months of personnel cuts, funding terminations, and escalating violence, CDC employees face a new hurdle with the government shutdown. In this episode: Yolanda Jacobs, president of the union chapter that represents more than 1,000 CDC employees, offers an inside look at how employees are grappling with these challenges and shares how those of us outside the CDC can offer support. Guests: Yolanda Jacobs is a health communications specialist at the CDC and the president of the American Federation of Government Employees Local 2883. Host: Dr. Josh Sharfstein is distinguished professor of the practice in Health Policy and Management, a pediatrician, and former secretary of Maryland's Health Department. Show links and related content: With new cuts at CDC, some fear there's 'nobody to answer the phone'—NPR Supporting the Public Health Workforce in Challenging Times—Public Health On Call (October 2025) Transcript information: Looking for episode transcripts? Open our podcast on the Apple Podcasts app (desktop or mobile) or the Spotify mobile app to access an auto-generated transcript of any episode. Closed captioning is also available for every episode on our YouTube channel. Contact us: Have a question about something you heard? Looking for a transcript? Want to suggest a topic or guest? Contact us via email or visit our website. Follow us: @‌PublicHealthPod on Bluesky @‌JohnsHopkinsSPH on Instagram @‌JohnsHopkinsSPH on Facebook @‌PublicHealthOnCall on YouTube Here's our RSS feed Note: These podcasts are a conversation between the participants, and do not represent the position of Johns Hopkins University.

The federal government shutdown is now in its fourth week. Over 700,000 federal employees have been furloughed, with nearly as many continuing to work without pay, yet there are still no signs that an end to the shutdown is near. “Unlike past presidents, Mr. Trump appears to feel little urgency to strike a deal to reopen the government,” Luke Broadwater writes at The New York Times. “Instead, he has used the shutdown, which began Oct. 1, as an opportunity to further remake the federal bureaucracy and jettison programs he does not like, seizing on unorthodox budgetary maneuvers that some have called illegal.” In this episode, we speak with three furloughed federal employees about the harm government shutdowns cause working people, and we discuss why this shutdown is different. Guests: Adam is a furloughed federal employee who works in recreation for the US Forest Service, managing hiking, biking, and equestrian trails in central Idaho. He serves as chapter president of National Federation of Federal Employees Local 1753, and he is an organizer with the Federal Unionists Network. Ellen is a furloughed federal employee who works in SNAP oversight and administration at the USDA Food and Nutrition Service. She serves as chapter president of National Treasury Employees Union Local 255, representing FNS employees at the Northeast regional office, and she is an organizer with the Federal Unionists Network in Boston. April is a furloughed federal employee who works in the office of Head Start at the Administration for Children and Families HQ in Washington, DC. She serves as chapter president of the National Treasury Employees Union Local 250. Additional links/info: Federal Unionists Network website, BlueSky, and Instagram Federal Unionists Network: “Join Us To Defend Public Services!” Luke Broadwater, The New York Times, “The Shutdown Is Stretching On. Trump Doesn't Seem to Mind.” Democracy Now!, “Shadow president: Project 2025 architect Russell Vought is using shutdown to gut federal agencies” Featured Music: Jules Taylor, “Working People” Theme Song Credits: Featured music: Jules Taylor, “Working People” Theme Song Audio Post-Production: Alina Nehlich

The federal government shutdown is now in its fourth week. Over 700,000 federal employees have been furloughed, with nearly as many continuing to work without pay, yet there are still no signs that an end to the shutdown is near. “Unlike past presidents, Mr. Trump appears to feel little urgency to strike a deal to reopen the government,” Luke Broadwater writes at The New York Times. “Instead, he has used the shutdown, which began Oct. 1, as an opportunity to further remake the federal bureaucracy and jettison programs he does not like, seizing on unorthodox budgetary maneuvers that some have called illegal.” In this episode, we speak with three furloughed federal employees about the harm government shutdowns cause working people, and we discuss why this shutdown is different. Guests:Adam is a furloughed federal employee who works in recreation for the US Forest Service, managing hiking, biking, and equestrian trails in central Idaho. He serves as chapter president of National Federation of Federal Employees Local 1753, and he is an organizer with the Federal Unionists Network.Ellen is a furloughed federal employee who works in SNAP oversight and administration at the USDA Food and Nutrition Service. She serves as chapter president of National Treasury Employees Union Local 255, representing FNS employees at the Northeast regional office, and she is an organizer with the Federal Unionists Network in Boston.April is a furloughed federal employee who works in the office of Head Start at the Administration for Children and Families HQ in Washington, DC. She serves as chapter president of the National Treasury Employees Union Local 250.Additional links/info:Federal Unionists Network website, BlueSky, and InstagramFederal Unionists Network: “Join Us To Defend Public Services!”Luke Broadwater, The New York Times, “The Shutdown Is Stretching On. Trump Doesn't Seem to Mind.”Democracy Now!, “Shadow president: Project 2025 architect Russell Vought is using shutdown to gut federal agencies”Featured Music: Jules Taylor, “Working People” Theme SongAudio Post-Production: Alina NehlichBecome 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!

Amy King hosts your Wednesday Wake Up Call. ABC News international reporter Patrick Reevell opens the show talking about the Trump/ Putin meeting in Budapest being called off. KFI national correspondent Rory O'Neill speaks on flight delays and cancellations and the pressure to reopen the government. On this week's edition of ‘Amy's on It' she reviews ‘aka Charlie Sheen' now streaming on Netflix. Denise Pellegrini from Bloomberg Media joins the show to give a business and stock market update. The show closes with Amy talking with host of ‘How to Money' on KFI Joel Larsgaard about accidental landlording, car wash subscriptions, and Netflix's ‘Crash Landing Into You.'

On Day 21 of the government shutdown, workers grow increasingly frustrated.

Unions for federal employees say the White House is planning thousands more layoffs, even though a federal judge in San Francisco has blocked it. This is taking place as the Trump administration has left the National Labor Relations Board paralyzed after firing Biden-appointed members upon taking office. We talk with William Gould IV, the former National Labor Relations Board Chairman, about the rights of workers during a shutdown, the ways California labor regulators could push back and the future of organized labor in the country. We also talk to Gould about his new memoir where he reflects on breaking barriers as Stanford Law's first Black professor. The book is called “Those Who Travail and Are Heavy Laden.” Guests: William Gould IV, Professor Emeritus, Stanford Law School Learn more about your ad choices. Visit megaphone.fm/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.

The government shutdown has far-reaching effects for federal workers. Hundreds of thousands have been furloughed and many others are working without a paycheck. Some may be out of work permanently after the Trump administration announced plans for mass layoffs. We hear from dozens of federal employees, and Lisa Desjardins reports on how many workers are off the job. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

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

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