Podcasts about Fiat

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Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold rights for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:11   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's one, 937, 795, 8989. Yep, text their freedom coach directly again. 1-937-795-8989   Keith Weinhold  24:52   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 420, Five, six, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com  

In this episode, we sit down with Efrat Fenigson—independent journalist, public speaker, and host of You're the Voice—for a courageous conversation about sovereignty, power, and the systems that shape human behavior. Drawing from her lived experience growing up in Israel, Efrat speaks openly about identity, collective trauma, propaganda, and the psychological cost of questioning state narratives from within. From there, the conversation quickly widens to examine how control operates at a deeper structural level—through money. Efrat breaks down how the modern fiat monetary system erodes human agency and why Bitcoin represents a radically different model rooted in decentralization and personal sovereignty. This is a nuanced, unsanitized dialogue connecting geopolitics, psychology, sound money and a sober yet inspiring look at what it means to reclaim authority over your life in an age of control.Time Stamps(00:00) Episode Teaser (00:22) Opening Conversation (04:29) Guest Introduction & Personal Journey (09:02) Growing Up in Israel (16:51) Peace Activism and Political Realizations (21:06) Complexities of Israeli-Palestinian Relations (38:52) Understanding Sovereignty (47:51) Fraudulent Fiat Economic System (55:03) Fractional Reserve Banking Explained (01:01:08) Bitcoin…The Solution to Fiat's Failures (01:18:56) Bitcoin's Origins and Global Impact (01:23:50) El Salvador's Bitcoin AdoptionGuest Linkshttps://linktr.ee/efenigson Connect with UsJoin our membership Friends of the TruthRise Above The Herd Take the Real AF Test NowDiscover Your Truth Seeker ArchetypeWatch all our episodesConnect with us on TelegramFollow us on InstagramAccess all our links

Send us a textWe lead a guided pilgrimage to Bethlehem's cave, tracing how prophecy, place, and liturgy meet in the Incarnation and flow into the Eucharist. Along the way we learn from Joseph's silent courage, Mary's Fiat, and the Franciscans' faithful custody of the Nativity.• prophecy fulfilled in Bethlehem and Emmanuel made present• the grotto's geography as sacrament of humility and grace• manger to altar and the Eucharist as Bethlehem today• Midnight Mass, chants and veneration at the silver star• praying the Joyful Mysteries in the shepherds' fields• Saint Joseph's model of fatherhood and steadfast action• Marian devotion as doorway to the Word made flesh• Franciscan custodianship and unity among Christians• invitation to virtual pilgrimages, retreats and givingBe sure to look at the description for special information of interest to you in Bethlehem at ChristmasVisit journeysoffaith.com website todayBe sure to click the link in the description for special news itemAnd since there is more to this article, finish reading and check out the special offerJourneys of FaithOpen by Steve Bailey Support the showJourneys of Faith brings your Super Saints Podcasts ***Our Core Beliefs*** The Eucharist is the Source and Summit of our Faith." Catechism 132 Click Here “This is the will of God, your sanctification.” 1Thessalonians 4“ Click Here ... lay up for yourselves treasures in heaven...” Matthew 6:19-2 Click Here The Goal is Heaven Click Here Why you should shop here at Journeys of Faith official site! Lowest Prices and Higher discounts up to 50% Free Shipping starts at $18 - Express Safe Checkout Click Here Cannot find it let us find or create it - - Click Here Rewards Program is active - ...

„Wir sind Kraft unseres herrlichen inflationären Geldsystemes mit negativer Realverzinsung dazu ja verurteilt Risiko zu nehmen, wenn wir unser Vermögen real sichern wollen", meint Mark Valek, Partner der Incrementum AG. Dem kann ich als Podcasthost der GELDMEISTERIN nur beipflichten. Als Lösung Bitcoin mit Gold seit 2020 in einen Fonds zu mischen, ist allerdings ein Konzept der Incrementum AG und entspricht nicht meiner persönlichen Auffassung einer wertsichernden Geldanlage. Warum Bitcoin - das Original unter den Krypto Assets - mehr Sicherheit bieten soll als Dollar, Euro oder anderes Fiatgeld erklärt Mark Valek ganz einfach: „Weil es sich nicht beliebig vermehren lässt." Er würde aber niemanden raten zu 100 Prozent in Bitcoin zu gehen. Dafür seien die Wertschwankungen viel zu hoch. Bei hoher Volatilät würden Anleger außerdem dazu neigen, die typischen Behavioral Finance-Anlagefehler zu begehen. Sie würden bei Incrementum deshalb Bitcoin mit Gold mischen, damit die Kunden besser schlafen. können. Langfristig werde Bitcoin aber nach oben gehen, ist der Fondsanbieter überzeugt, auch wenn sich Kryptoinvestorengerade einer harten Prüfung unterziehen müssen. Ein sehr kontroversielles, aber umso spannenderes Gespräch, das sich lohnt gehört zu werden. Und nach dieser aufwühlenden Folge wünsche ich allen HörerInnen entspannende Feiertage Eure Julia KistnerPs.: Dieses Interview wurde am 13.11.2025 geführt. Warnhinweise: Geldanlagen und erst Recht Investments in Krypto Assets bergen ein Verlustrisiko. Der Host und die Podcastgäste der GELDMEISTERIN haften nicht für die Inhalte dieses Mediums.Musik- & Soundrechte:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.geldmeisterin.com/index.php/musik-und-soundrechte/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Foto: Mark Valek#Krypto #Bitcoin #Gold #Silber #Fiat #Wertsicherung #Inflation #investieren #podcast

Brought to you by TogetherLetters & Edgewise!In this episode: Firefox is becoming an AI browser and the internet is not at all happy about itDisney making $1 billion investment in OpenAI, will allow characters on Sora AI video generatorDisney Inks Blockbuster $1B Deal With OpenAI, Handing Characters Over To SoraOpenAI launches GPT-5.2 after 'code red' push to counter Google's Gemini 3OpenAI Hires Slack CEO as New Chief Revenue OfficerClaude and SlackInstacart and OpenAI partner on AI shopping experiences‘ONE RULE': Trump says he'll sign an executive order blocking state AI laws despite bipartisan pushbackTesla engaged in deceptive marketing for Autopilot and Full Self-Driving, judge rulesRivian Will Add Lidar in 2026, Says Tesla's Cameras Aren't EnoughStellantis to bring tiny Fiat car to U.S. following Trump remarksICEBlock app sues Trump administration for censorship and 'unlawful threats'Verizon refused to unlock man's iPhone, so he sued the carrier and wonElon Musk's SpaceX Valued at $800 Billion, as It Prepares to Go PublicSpaceX to Pursue 2026 IPO Raising Far Above $30 Billion

Ahmad Ammous, a physician with alternative views, discusses his realizations about the corruption within the medical system driven by the pharmaceutical industry and its impacts on patient care. He emphasizes the importance of diet, light exposure, and lifestyle changes over pharmaceuticals, and highlights issues with modern psychiatry, cholesterol myths, and the detrimental effects of artificial light and electromagnetic frequencies. Ahmad advocates for a return to natural healing practices and encourages individuals to take control of their health through informed choices.00:00 Introduction to Ahmad Ammous02:26 The Rise of the American Medical Association06:11 Discovering the Paleo Diet07:19 The Ideal Human Diet10:37 The Cholesterol and Heart Disease Myth20:05 The Healing Power of Light27:00 The Dangers of Blue Light31:40 Electromagnetic Frequencies and Health35:08 Mitigating EMF Exposure38:27 The Truth About Modern Psychiatry42:02 Winter Sunlight and Indoor Lighting45:19 The Benefits of Animal Fat46:01 Exercise and Fasting Tips48:12 Gut Health and Bacteria51:26 Alcohol and Soda: The Real Impact54:16 Grounding and 5G Concerns56:42 Final Thoughts and Advicehttps://x.com/AmmousMDhttps://ammousmd.com/=========Slides, summaries, references, and transcripts of my podcasts: https://tomn.substack.com/p/podcast-summarieshttps://linktr.ee/tomanelson1

Is AI nu een bubbel of niet? Chipbedrijf Micron Technology heeft lak aan dat gezeur. Het bedrijf drukt geld vanwege de geëxplodeerde vraag naar geheugenchips. En daar houdt het niet op, want het bedrijf zegt dubbel zoveel winst te gaan maken als analisten verwachten dit kwartaal. Hoe lang dat nog gaat aanhouden, en of Samsung en SK Hynix ook gebakken zitten (of net iets minder?) bespreken we deze aflevering. Daarin hoor je ook over de nieuwe ceo van BP. Die is op meerdere manieren uniek: het wordt de eerste vrouw aan het roer van een oliereus, en de eerste buitenstaander bij BP. Ze komt van een Australische concurrent. Wat er aan de hand is in die top en of deze nieuwe ceo het bedrijf kan wapenen tegen die eeuwige stroom aan overnamegeruchten, gaan we uitzoeken. Vertellen we je ook nog waarom het brein achter Zalando nu ruzie heeft met een grote aandeelhouder en we geven je een update over de overnamesoap van Warner Brothers. Tot slot hoor je ook nog wat het nieuwste kerstcadeau van president Donald Trump is. Te gast is Jim Tehupuring van 1Vermogensbeheer.See omnystudio.com/listener for privacy information.

Pedro Arnt, Chief Executive Officer, dLocaldLocal simplifies cross-border transactions in emerging markets, connecting global enterprise merchants with billions of emerging market consumers across APAC, the Middle East, Latin America, and Africa. Through the "One dLocal" concept (one direct API, one platform, and one contract), global companies can accept payments, send payouts, and settle funds globally—without the need to manage separate processors or set up local entities of their own. Robin Amlôt of IBS Intelligence speaks to Pedro Arnt, CEO of dLocal.

Is AI nu een bubbel of niet? Chipbedrijf Micron Technology heeft lak aan dat gezeur. Het bedrijf drukt geld vanwege de geëxplodeerde vraag naar geheugenchips. En daar houdt het niet op, want het bedrijf zegt dubbel zoveel winst te gaan maken als analisten verwachten dit kwartaal. Hoe lang dat nog gaat aanhouden, en of Samsung en SK Hynix ook gebakken zitten (of net iets minder?) bespreken we deze aflevering. Daarin hoor je ook over de nieuwe ceo van BP. Die is op meerdere manieren uniek: het wordt de eerste vrouw aan het roer van een oliereus, en de eerste buitenstaander bij BP. Ze komt van een Australische concurrent. Wat er aan de hand is in die top en of deze nieuwe ceo het bedrijf kan wapenen tegen die eeuwige stroom aan overnamegeruchten, gaan we uitzoeken. Vertellen we je ook nog waarom het brein achter Zalando nu ruzie heeft met een grote aandeelhouder en we geven je een update over de overnamesoap van Warner Brothers. Tot slot hoor je ook nog wat het nieuwste kerstcadeau van president Donald Trump is. Te gast is Jim Tehupuring van 1Vermogensbeheer.See omnystudio.com/listener for privacy information.

Hoy en el podcast contamos con Ignacio del Horno, co-fundador de Sandglass Patrol y habitual colaborador del podcast amigo Niebla de Guerra. Su facilidad por aprender idiomas y su empeño por estudiarlos le ha llevado a aprender italiano y japonés, y eso le ha abierto la puerta a descubrir estudios y artículos periodísticos en estas idiomas muy interesantes. En concreto hoy nos trae un resumen de algunas investigaciones que ha encontrado sobre si Fiat y Mitsubishi hicieron lo mejor para sus bolsillos, usando sus influencias políticas y sus contactos y su posición dominante en el mercado, para que los ejércitos de sus países se equiparan casi exclusivamente con sus aviones (como el biplano CR-32 o el caza Zero) incluso más allá de haber sido dados por obsoletos, y cómo posteriormente no se cambió a otros tipos por el carajal logístico que hubiera supuesto. ¿Nos acompañáis? P.D.: Si la intro y la despedida os son familiares, que no os sorprenda. En un ejercicio de nostalgia podcasteril he hablado con Javier Lago para pedirle permiso y utilizar la introducción que hizo para el que, si no recuerdo mal, fue el primer podcast español sobre aviación: Remove Before Flight RBF podcast

Nouveaux pilotes, un brin déjantés, à bord de la Libre Antenne sur RMC ! Jean-Christophe Drouet et Julien Cazarre prennent le relais. Après les grands matchs, quand la lumière reste allumée pour les vrais passionnés, place à la Libre Antenne : un espace à part, entre passion, humour et dérision, débats enflammés, franc-parler et second degré. Un rendez-vous nocturne à la Cazarre, où l'on parle foot bien sûr, mais aussi mauvaise foi, vannes, imitations et grands moments de radio imprévisibles !

Voor de derde live podcast opname met publiek waren we op zondag 14 december 2025 te gast in het Squadra Abarth & Rally collection museum te Lier. Het was dan ook redelijk logisch dat onze eerste praatgast de gastheer van dit iconisch museum is: Guy Moerenhout, bijgestaan door één van zijn eerste co-piloten Eddy Nys als tweede spreker.In 1975 eindigden ze samen de Nacht van Edegem op een mooie tweede plaats. Guy was in de beginjaren actief met Honda Civic en BMW 3.0 CSi, een wagen die hij nog graag zou toevoegen aan de bijna 200 pareltjes in het Squadra museum. Daarna volgden ook nog Alfa Romeo, Lada, Fiat, Porsche en Ford Sierra… om er een paar te noemen. Guy vertelt - geen rallykoffie maar een Duvel in de hand - honderduit over zijn rallycarrière, auto's, crashes en co-piloten die vaak bij hem weggeplukt werden. Tijdens de live heeft ook Eddy Nys, één van de eerste navigatoren van Guy, zijn lijstje met anekdotes klaar. De sympathieke co heeft een uitgesproken link met het museum. Zo reed hij in de beginjaren met Henri Darimont in de Fiat 124 Abarth. Na een Kadett en Alpine periode met Flory Roothaert, waaronder zijn zwaarste crash in Ieper, belandde Eddy na een sabbatjaar in een zitje van Toyota Team Europe voor de allereerste (Spa) rally van Marc Duez, gevolgd door Circuit des Ardennes met niemand minder dan Ove Andersson. Eind dat seizoen kwam Willy Plas in beeld. Het eerste seizoen in de Fiat Ritmo 75 (1979), die nog in het Squadra-museum staat, was er eentje met veel kinderziektes: elf wedstrijden en maar vier keer aan de finish. Maar het bleek de voorbode voor een prachtig seizoen 1980. Toen werd Eddy Nys nationaal Belgisch kampioen met Willy Plas, de piloot waar hij het meeste mee reed. Het was Eddy's tweede Belgische titel na die met Darimont in de 124 Abarth (1974). Beluister zijn mooie anekdotes met onder andere een KP heen en terug door de Kennedytunnel (!!) tijdens de Rally van de Drie Zustersteden en een KP door stuwmeren in aanleg. Social mediaFacebook - Op De RallykoffieInstagram - Op De Rallykoffie

Prabhakar Reddy, Founder & CEO, OpenFXOpenFX is building a real-time, open and transparent FX network, aiming to solve the last-mile problem in international money movement by using stablecoins as an intermediary – bringing FX transactions kicking and screaming into the 21st century! Robin Amlôt of IBS Intelligence discusses the future of FX, and how spreads and fees are already being compressed, with Prabhakar Reddy, Founder and CEO of OpenFX

In the first episode of the 25-26 school year, we interview State Champions Marcello Vitti + Coach Laney to talk about how their faith impacted their success on the field this season! Take a study break as FIAT junior Sophia Harris + Mr. McHugh ask our interviewees about NCAA video games, the best moment in the championship run and how Jesus takes the pressure off of pursuing success.

For episode 231, we welcome Eric van Miltenburg, Senior Vice President of Strategic Initiatives at Ripple.We explore Ripple Impact's mission, unpack their most ambitious initiatives including a $25 million RLUSD commitment projected to generate $1B+ in long-term impact, and look at how blockchain is reshaping philanthropy from one-off donations into sustainable, scalable systems of change.In today's episode you'll learn:

¡Vamos a entrevistar en vivo a Saifedean Ammous! El 17 y 18 de enero en la universidad de los Andes vuelve Moneycon: el festival de finanzas, inversiones y productividad más grande de Colombia (+100 speakers, +180 charlas). No te quedes por fuera (se están acabando las boletas). Asegura tu cupo acá

Nos vendieron el "Downsizing" como la panacea de la automoción: motores pequeños, ligeros, turboalimentados y supuestamente ecológicos. Bloques de 1.0 litro y 3 cilindros entregando potencias de más de 100 CV. Parecía el triunfo de la ingeniería, pero con la perspectiva del tiempo, la realidad es mucho más cruda: sencillamente, nos han vendido motores peores. No es nostalgia por los viejos motores de gran cilindrada, es pura física y termodinámica. La verdad del "downsizing" nunca fue una verdad de ingeniería, sino una verdad de laboratorio diseñada para cumplir con normativas burocráticas. El Origen del Problema: El Ciclo NEDC Para entender por qué muchos motores modernos son problemáticos, hay que mirar al antiguo ciclo de homologación NEDC. Una prueba de laboratorio irreal, con aceleraciones lentas y sin carga. Los fabricantes diseñaron motores para ser eficientes solo en esas condiciones específicas. Crearon motores minúsculos que, sin exigirles potencia, apenas gastaban. Pero ¿quién conduce así en la vida real? Laboratorio vs. Realidad: El consumo fantasma Cuando sacas ese motor 1.0 Turbo a la carretera y le exiges potencia para un adelantamiento o un puerto de montaña, la eficiencia desaparece. El turbo sopla al máximo y la temperatura se dispara. Para evitar la autodetonación ("picado de biela"), la centralita utiliza el "enriquecimiento de protección": inyecta gasolina extra no para mover el coche, sino para refrigerar la cámara de combustión. Estamos usando gasolina como refrigerante. En la práctica, un motor pequeño forzado consume más que un motor 2.0 atmosférico que trabaja relajado a la mitad de su capacidad. La Pesadilla de la Fiabilidad: Motores de "usar y tirar" Sacar 130 CV de un litro de cilindrada somete a los materiales a un estrés propio de la competición, pero usando componentes de utilitario. Esto ha traído tecnologías que han destrozado la fiabilidad a largo plazo: Inyección Directa (GDI) y Carbonilla: Al inyectar directamente en la cámara, la gasolina ya no limpia las válvulas de admisión. Resultado: acumulación de carbonilla, pérdida de potencia y averías costosas a partir de los 80.000 km. Filtros de Partículas (GPF): Al funcionar con mezclas ricas, estos motores generan partículas finas, obligando a instalar filtros complejos que se obstruyen. La Correa Húmeda: El mayor error de la era "downsizing". Para reducir la fricción, sumergieron la correa de distribución en aceite. El aceite degrada la goma, la correa se desintegra y los restos obstruyen la bomba de aceite, gripando el motor. Un fallo de diseño catastrófico presente en motores superventas. La Lista de la Vergüenza Existen motores que ilustran este fracaso: -Stellantis 1.2 PureTech: Famoso por los problemas de su correa húmeda y alto consumo de aceite. -Ford 1.0 EcoBoost: Pionero del downsizing, pero con historiales de problemas en refrigeración y distribución en sus primeras generaciones. -VW 1.4 TSI Twincharger: Un exceso de complejidad (turbo + compresor) que resultó ser una pesadilla mecánica. -Fiat 0.9 TwinAir: Un bicilíndrico que vibraba en exceso y cuyo consumo real doblaba al homologado. El Regreso a la Cordura La industria, en silencio, nos está dando la razón. Con la llegada del ciclo WLTP (más realista), el truco de los motores minúsculos ya no funciona. Estamos viendo un proceso de "Upsizing": Volkswagen ha pasado del 1.4 al 1.5 TSI, y Stellantis está sustituyendo la correa húmeda por cadena. Mención aparte merece Mazda, que se negó a entrar en este juego. Apostaron por el "Upsizing" (motores 2.0 atmosféricos de alta compresión), demostrando que se puede ser eficiente sin sacrificar la fiabilidad ni recurrir a trucos de laboratorio. El "downsizing" no fue progreso real; fue un parche regulatorio que sacrificó la vida útil de tu coche. Antes de comprar, infórmate bien: la buena ingeniería no necesita esconderse detrás de cifras de homologación imposibles.

Diesmal geht es um ein Auto, dessen Design vor gut 30 Jahren für heiße Diskussion sorgte: Denn als die Welt gerade das Biodesign entdeckt hatte, schockte das Coupé Fiat mit krassen Kanten, einem schroffen Abrissheck und Sicken, die aussehen wie mit dem Messer geritzt. Für das Design war im Centro Stile von Fiat übrigens kein Geringerer verantwortlich als der junge Chris Bangle, der später die große Stilrevolution bei BMW anzettelte. Doch schon bei Fiat haben sie sich was getraut, und das gilt nicht für die Optik: Schon das Basismodell mit 139 PS war alles andere als ein Langweiler, aber es gab ja auch noch die Turbo-Version, die 1996 mit fünf Zylindern und 220 PS zur ganz großen Form auflief. Ein Auto für alle sollte das Coupé Fiat nie sein, die Verkaufszahlen zeigten es schon in den Neunzigern. So ein Charaktertyp muss doch zum Klassiker werden – oder nicht? Das klären in dieser Folge Jens Seltrecht, Frank Otero Molanes und Dirk Ramackers.Executive Producer: Christoph Falke & Ruben Schulze-FröhlichProjektleitung: Lukas HambrechtSounddesign & Produktion: Fabian SchäfflerMarketing und Ansprechpartner: Bastian SchonauerCopyrights Cover: www.oldtimer-markt.de Hosted on Acast. See acast.com/privacy for more information.

"America's financial illusion is collapsing right before our eyes," warns Peter Grandich in one of his most urgent interviews yet. With $38 trillion in debt, exploding deficits, and markets hanging on the last fumes of a dying system, millions of Americans are on the brink of financial devastation. Seniors have doubled their stock exposure, half the population owns nothing, and the top 10% controls 86% of the wealth. "This is a house of cards built on debt and denial—and the fall will be brutal." Grandich exposes a looming generational fracture—a coming "war among the ages" as younger Americans refuse to pay for the soaring costs of an aging nation. Fiat currencies are teetering on collapse, while gold and silver are positioned for historic revaluation. But the danger isn't just financial: America is facing a spiritual reckoning, with political chaos, moral decline, and collapsing trust shaking the nation to its core. _ Sign up for my free weekly newsletter. _ Host: Ben Mumme Twitter Medium YouTube Instagram Website LinkedIn _ Guest: Peter Grandich Website Twitter YouTube

In this episode of Crazy Wisdom, Stewart Alsop sits down with Javier Villar for a wide-ranging conversation on Argentina, Spain's political drift, fiat money, the psychology of crowds, Dr. Hawkins' levels of consciousness, the role of elites and intelligence agencies, spiritual warfare, and whether modern technology accelerates human freedom or deepens control. Javier speaks candidly about symbolism, the erosion of sovereignty, the pandemic as a global turning point, and how spiritual frameworks help make sense of political theater.Check out this GPT we trained on the conversationTimestamps00:00 Stewart and Javier compare Argentina and Spain, touching on cultural similarity, Argentinization, socialism, and the slow collapse of fiat systems.05:00 They explore Brave New World conditioning, narrative control, traditional Catholics, and the psychology of obedience in the pandemic.10:00 Discussion shifts to Milei, political theater, BlackRock, Vanguard, mega-corporations, and the illusion of national sovereignty under a single world system.15:00 Stewart and Javier examine China, communism, spiritual structures, karmic cycles, Kali Yuga, and the idea of governments at war with their own people.20:00 They move into Revelations, Hawkins, calibrations, conspiracy labels, satanic vs luciferic energy, and elites using prophecy as a script.25:00 Conversation deepens into ego vs Satan, entrapment networks, Epstein Island, Crowley, Masonic symbolism, and spiritual corruption.30:00 They question secularism, the state as religion, technology, AI, surveillance, freedom of currency, and the creative potential suppressed by government.35:00 Ending with Bitcoin, stablecoins, network-state ideas, U.S. power, Argentina's contradictions, and whether optimism is still warranted.Key InsightsArgentina and Spain mirror each other's decline. Javier argues that despite surface differences, both countries share cultural instincts that make them vulnerable to the same political traps—particularly the expansion of the welfare state, the erosion of sovereignty, and what he calls the “Argentinization” of Spain. This framing turns the episode into a study of how nations repeat each other's mistakes.Fiat systems create a controlled collapse rather than a dramatic one. Instead of Weimar-style hyperinflation, Javier claims modern monetary structures are engineered to “boil the frog,” preserving the illusion of stability while deepening dependency on the state. This slow-motion decline is portrayed as intentional rather than accidental.Political leaders are actors within a single global architecture of power. Whether discussing Milei, Trump, or European politics, Javier maintains that governments answer to mega-corporations and intelligence networks, not citizens. National politics, in this view, is theater masking a unified global managerial order.Pandemic behavior revealed mass submission to narrative control. Stewart and Javier revisit 2020 as a psychological milestone, arguing that obedience to lockdowns and mandates exposed a widespread inability to question authority. For Javier, this moment clarified who can perceive truth and who collapses under social pressure.Hawkins' map of consciousness shapes their interpretation of good and evil. They use the 200 threshold to distinguish animal from angelic behavior, exploring whether ego itself is the “Satanic” force. Javier suggests Hawkins avoided explicit talk of Satan because most people cannot face metaphysical truth without defensiveness.Elites rely on symbolic power, secrecy, and coercion. References to Epstein Island, Masonic symbolism, and intelligence-agency entrapment support Javier's view that modern control systems operate through sexual blackmail, ritual imagery, and hidden hierarchies rather than democratic mechanisms.Technology's promise is strangled by state power. While Stewart sees potential in AI, crypto, and network-state ideas, Javier insists innovation is meaningless without freedom of currency, association, and exchange. Technology is neutral, he argues, but becomes a tool of surveillance and control when monopolized by governments.

Fluent Fiction - Italian: Snowy Roads and Warm Hearts: A Tuscan Tale of Hope Find the full episode transcript, vocabulary words, and more:fluentfiction.com/it/episode/2025-12-15-23-34-02-it Story Transcript:It: Le colline toscane brillavano di bianco sotto un raro manto nevoso.En: The Tuscan hills gleamed white under a rare blanket of snow.It: Le viti e gli ulivi, solitamente verdi, erano trasformati in sculture d'inverno.En: The grapevines and olive trees, usually green, were turned into winter sculptures.It: In lontananza, il piccolo paese di Montalcino era avvolto da una pace immacolata.En: In the distance, the small town of Montalcino was wrapped in an immaculate peace.It: Alessandro, con occhi pieni di speranza, guidava attentamente la sua vecchia auto Fiat mentre Francesca, seduta accanto a lui, stringeva la cintura di sicurezza.En: Alessandro, with eyes full of hope, was carefully driving his old Fiat car while Francesca, sitting next to him, clutched her seatbelt.It: "Riusciremo ad arrivare al raduno di famiglia," disse Alessandro, cercando di infondere ottimismo.En: "We'll manage to make it to the family gathering," said Alessandro, trying to instill optimism.It: Francesca sospirò, guardando le fitte nevicate coprire la strada.En: Francesca sighed, watching the heavy snowfall cover the road.It: "Spero solo che la tempesta passi presto," rispose, il tono cauto.En: "I just hope the storm passes soon," she replied, her tone cautious.It: Improvvisamente, le ruote dell'auto persero aderenza e iniziarono a scivolare.En: Suddenly, the car's wheels lost traction and started to slide.It: "Attento!"En: "Watch out!"It: gridò Francesca, ma era troppo tardi.En: Francesca shouted, but it was too late.It: La vettura scivolò nel piccolo fossato a bordo strada, fermandosi con un lieve sobbalzo.En: The vehicle slid into the small ditch beside the road, stopping with a slight jolt.It: "Siamo bloccati," disse Francesca, preoccupata.En: "We're stuck," said Francesca, worried.It: Alessandro, mai uno da scoraggiarsi, sorrise con determinazione.En: Alessandro, never one to be discouraged, smiled with determination.It: "Camminerò fino a trovare aiuto," dichiarò.En: "I'll walk until I find help," he declared.It: Francesca, divisa tra esausta rassegnazione e sincera preoccupazione, decise di seguire Alessandro.En: Francesca, torn between weary resignation and genuine concern, decided to follow Alessandro.It: Mentre percorrevano il candido paesaggio, la neve scricchiolava sotto i loro piedi.En: As they walked through the white landscape, the snow crunched under their feet.It: Dopo un'ora di cammino nel freddo, trovarono un casolare isolato.En: After an hour of walking in the cold, they found an isolated farmhouse.It: Una luce calda brillava da una finestra.En: A warm light glowed from a window.It: Bussarono alla porta e furono accolti da una famiglia gentile.En: They knocked on the door and were greeted by a kind family.It: "Venite, entrate," disse il padrone di casa con un sorriso, offrendo loro calore e un rifugio.En: "Come in, come in," said the head of the house with a smile, offering them warmth and shelter.It: Riscaldati e al sicuro, Alessandro e Francesca rifletterono.En: Warmed and safe, Alessandro and Francesca reflected.It: La fiamma del camino illuminava i loro volti pensierosi.En: The flame from the fireplace lit their thoughtful faces.It: "Mi dispiace per il rischio," ammise Alessandro.En: "I'm sorry for the risk," admitted Alessandro.It: "Ma volevo davvero vedere mio fratello."En: "But I really wanted to see my brother."It: Francesca sorrise timidamente.En: Francesca smiled shyly.It: "A volte, bisogna rischiare per scoprire le cose belle," confessò.En: "Sometimes, you have to take risks to discover beautiful things," she confessed.It: Con la tempesta ormai passata, ripartirono.En: With the storm now past, they set off again.It: La famiglia li aiutò a riportare l'auto sulla strada.En: The family helped them get the car back on the road.It: Giunsero finalmente al raduno.En: They finally arrived at the gathering.It: Alessandro vide suo fratello e un abbraccio, lungo atteso, sciolse ogni lontananza.En: Alessandro saw his brother and a long-anticipated hug melted away all the distance.It: Francesca, osservando, capì che a volte l'avventura poteva portare inaspettata gioia.En: Francesca, watching, understood that sometimes adventure could bring unexpected joy.It: Il mondo intorno era ancora avvolto da un bianco scintillante, ma nei cuori di Alessandro e Francesca qualcosa era cambiato, come un nuovo calore.En: The world around was still wrapped in a shimmering white, but in the hearts of Alessandro and Francesca something had changed, like a new warmth.It: E mentre festeggiavano il Natale, impararono entrambi che l'apertura ai cambiamenti poteva trasformare le vite in modi meravigliosi.En: And as they celebrated Christmas, they both learned that being open to change could transform lives in wonderful ways. Vocabulary Words:the hills: le collinegleamed: brillavanoblanket: mantothe grapevines: le vitiwrapped: avvoltoimmaculate: immacolatathe gathering: il radunodesperation: rassegnazioneconcern: preoccupazionecrunched: scricchiolavaisolated: isolatofireplace: il caminoto discover: scoprireunexpected: inaspettatajoy: gioiashimmering: scintillantegripped: stringevatraction: aderenzathe ditch: il fossatostroke: sobbalzodetermination: determinazionegenuine: sincerathe farmhouse: il casolareglow: brillavashelter: rifugiothoughtful: pensierositake risks: rischiaretransform: trasformarewonderful: meravigliosiwarming: riscaldati

Is the holiday season a good time to start a healthy living programs. Ivonne Heath says yes and offers us tips on how to eat healthy at your next party.Fiat to Health.Subscribe to the Morning Blend on your favorite podcast platform.Find this show on the free Hail Mary Media App, along with a radio live-stream, prayers, news, and more.Look through past episodes or support this podcast.The Morning Blend is a production of Mater Dei Radio in Portland, Oregon.

We are Green-lighting! Announcing the participants for the CTP Cup 2025 (2) Lots of execs moving around all of a sudden A Chocolate Craze PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Interactive Brokers  Warm-Up - Announcing the participants for the CTP Cup 2025 (2) - Lots of execs moving around all of a sudden - Chocolate Craze Markets - NVDA gets the greenlight - Waiting for the ECO - ALL eyes...... Wednesday at 2pm - Oil Dropping - Gas Prices Dropping slightly - Just saw $2.59 for regular unleaded down here - Double edged sword - oil prices dropping is sign of eco slowdown... Nothing to be excited about just yet.... Inflation - PCE comes in a little lighter than expected - However, let us be clear that inflation is not lower and prices grossly above where we were a couple of years ago - Inflation still running at around 3% overall - Fed set to greenlight the rate cut Oil and Gas - Oil has been dropping - reports that use will slow over the next year - Gas Prices Dropping slightly - Just saw $2.59 for regular unleaded down here - Double edged sword - oil prices dropping is sign of eco slowdown... Nothing to be excited about just yet.... Jobs - Reports show that U.S. employers have announced over 1.1 million job cuts in 2025 (as of early December), marking the highest level since the pandemic's start in 2020. - This has been driven by tech integration (AI), economic shifts, and soft consumer spending, with sectors like government, tech, retail, and warehousing leading. Greenlight - No security problems here - Seeking a compromise over controlling exports to China, the US Department of Commerce will soon allow the export of powerful Nvidia GPUs that are roughly 18 months behind its most advanced offerings, according to a person with knowledge of the plan. - The move, which would send Nvidia H200s to China, seeks to find a middle ground between those who oppose exports of any advanced AI chips and those who worry that restrictions will merely hand the market to Chinese competitors. - It also aims to satisfy the Chinese government, which has blocked imports of less powerful chips, such as Nvidia's H20. - This can be gamed ..... - OHHHH - and USA to get 25% of the sales ???? China Not With Program - China is buying soybeans again, but short of President Trump's target, according to CNBC - Really think this is a big game and will not resolve anytime soon - China still holds the cards ECO Data Starting to Flow Again - BLS to publish October PPI data with the November PPI news release on January 14, 2026 - Unemployment report released Dec 16th - This week is a little slow but next week (Dec 15-19) kick it up hard - - - Dec 19 Income and Spending , PCE report, Housing starts, Retail Sales, CPI (Nov), Leading Indicators, Philly Fed, UMich Sentiment Apple Turnover - Not the pastry - In just the past week, Apple's heads of artificial intelligence and interface design stepped down. - Then the company announced that its general counsel and head of governmental affairs were leaving as well. - All four executives have reported directly to Chief Executive Officer Tim Cook Berkshire Too - Todd Combs, one of Warren Buffett's investing lieutenants and the CEO of GEICO, is departing Berkshire Hathaway and joining JPMorgan Chase in a new role as part of a major shake-up involving both firms. - Combs is leaving Berkshire Hathaway and his role leading GEICO to run the bank's new investment group as part of its wider "security and resilience" initiative announced in October. AI Frames - Warby Parker and Google announced that the first lightweight, AI glasses developed through their partnership are expected to launch in 2026 - What will be different about these? All others have seemed to failed miserably. Mergers - Maybe - Netflix announced Friday it's reached a deal to buy pieces of Warner Bros. Discovery, bringing a swift end to a dramatic bidding process that saw Paramount Skydance and Comcast also vying for the legacy assets. - The transaction is comprised of cash and stock and is valued at $27.75 per WBD share - Others are offering $30 CASH per share - President Trump has put in his comments that he thinks it may be a tough one to clear - $2.8B breakup fee if Warner Brothers pulls out and $5.8B reverse break up fee if the deal is not approved. Oracle Earnings - Wednesday after the bell - This is the poster child for the vendor and circular financing - Stock was the darling for a minute a few months ago - Written: "The stock has fallen roughly 32-40% from its September 10 peak, erasing its "Nvidia moment" rally and turning Oracle into the primary vehicle for expressing skepticism about the AI build-out and OpenAI's economics." - Briefing analyst Forgot this... - What happened to the Tik Tok deal and the China bad discussion? --- History.... - Negotiations happened between ByteDance, Oracle, and Walmart back in 2020, and later discussions continued under “Project Texas” for U.S. data security. - The proposed structure (Oracle as tech partner, U.S. investors taking a stake) was announced but never finalized into a binding acquisition or spin-off. - Instead, TikTok remained under ByteDance ownership, while implementing U.S. data storage and security measures through Oracle. - The U.S. government extended deadlines multiple times, but no sale or transfer of ownership occurred. - China wins again! So much winning! Private Credit  - Private markets investing startup Yieldstreet, now calling itself Willow Wealth, recently informed customers of new defaults on real estate projects in Houston and Nashville, Tennessee. The letters, obtained and verified by CNBC, account for about $41 million in new losses. - They come on the heels of $89 million in marine loan wipeouts disclosed in September and $78 million in losses previously reported by CNBC. - Willow Wealth also removed a decade of historical performance data from public view in recent weeks. - Total losses? $208 million Pistachios - Dubai Craze - Milk chocolate shell filled with: - Pistachio cream (often blended with tahini for a nutty, slightly savory note) - Kadayif (shredded phyllo pastry) for crunch - Created in 2021, went viral in 2023 via the SOCH -  United States, Iran, and Turkey the biggest producers of pistachios - Argentina betting on it to continue  - adding to their farmland to cover the demand - Dubai Chocolate Bar (the viral pistachio-knafeh chocolate) generated over $50–$60 million in global sales for the year. IndiGo - In November, new Flight Duty Time Limitation (FDTL) rules increased pilot rest periods. - IndiGo failed to adjust crew rosters, causing a severe pilot shortage during peak travel season. - 1000s of flights cancelled - IndiGo apologized and implemented measures like processing refunds, arranging transport/hotels for stranded passengers, and strengthening customer support. - As of this week - still having major problems - stock don 20% from its high on this news (not traded in USA) Grok Report - Using Grok as Copilot is getting a little weird....ChatGPT a little slow - Photo to video clip - pretty cool - Image generation - FAST! - Can have full on conversations and even companions.....(?) - More racy than other Ai (as is to be expected) Age 18+  options - Interesting nd impressive thus far. OMG  - Brown Nosing - Stellantis said it will bring an all-electric small “car” called the Fiat Topolino to the U.S. - The Topolino is actually categorized as “an all-electric quadricycle” rather than a car, according to Stellantis and has a top speed of roughly 28 miles per hour. - Fiat's announcement comes less than a week after President Donald Trump praised small “Kei” cars from Japan and expressed interest in bringing tiny cars to the U.S. Love the Show? Then how about a Donation? The Winner for iShares Bitcoin Trust ETF (IBIT) Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

In this special mid-week episode of Minor Issues, Mark Thornton joins Julia LaRoche for a wide-angle tour of the macro landscape, and why gold's surge is a market verdict on deficits, rate manipulation, and fiat fatigue. Mark outlines the Austrian business cycle story behind today's “everything bubble,” and explains why a more dovish Fed in 2026 won't cure malinvestment. He also contrasts Bitcoin with commodity money and sketches a practical exit: sound money, hard budget constraints, and decentralization.Check out The Julia LaRoche Show at https://JuliaLaRoche.comBe sure to follow Minor Issues at https://Mises.org/MinorIssues

To love Mary doesn't mean our hearts belong any less to Jesus. Today, the Catechism explains our Blessed Mother's role in prayer and why the Catholic Church prays in communion with her. We also explore the origin behind the Hail Mary prayer and other prayers to Mary throughout the Church's history. Lastly, Fr. Mike reflects on the tenderness and strength of Mary's motherhood that carries us through the difficulties of our lives. By uniting our prayer to her prayer, we unite our trust with her perfect “Fiat.” Today's readings are Catechism paragraphs 2673-2682. This episode has been found to be in conformity with the Catechism by the Institute on the Catechism, under the Subcommittee on the Catechism, USCCB. For the complete reading plan, visit ascensionpress.com/ciy Please note: The Catechism of the Catholic Church contains adult themes that may not be suitable for children - parental discretion is advised.

In this powerful conversation, host Christopher Hensley, RICP®, CES® sits down once again with George Kinder—internationally recognized as the father of life planning and the visionary behind the global Fiduciary in All Things (FIAT) movement. Together, they explore what it would mean for our institutions, our democracy, and our financial systems to finally act in the best interest of the people they serve. Kinder explains how a fiduciary society—rooted in truth, people, democracy, and the planet—could dissolve many of the challenges we face today while preserving the entrepreneurial energy, innovation, and competitiveness that have fueled economic growth. From redefining the role of leadership to examining how polarization and mistrust have fractured civic life, this episode offers an inspiring blueprint for a more ethical and human-centered future. You'll learn: Why fiduciary principles shouldn't stop at financial advice, but extend to government, media, business, and technology How FIAT could reshape democracy so leaders work for the people, not their own agendas The importance of mindfulness and deep listening in building trustworthy institutions Kinder's vision for a world where business leaders become true heroes and models for future generations How AI, truth, and governance intersect—and why ethical guardrails matter now more than ever What a civilization "of the people, by the people, and for the people" looks like when fiduciary values guide decision-making Whether you're a financial professional, a policymaker, a parent, or simply someone looking for a more trustworthy world, this conversation will challenge and inspire you to imagine what a fully fiduciary society could achieve.

- Ford and Renault Join Forces for EVs - BMW Picks New CEO From Manufacturing - Is BMW The First OEM To Use Blockchain For Transactions? - Piech Family Member Needs VW Dividends - Nio: Big EREV Batteries Are A Waste - Fiat to Bring Dinky Topolino To U.S. - Morgan Stanley Says No Growth in Tesla Stock - All in The Family, Automotive Style

- Ford and Renault Join Forces for EVs - BMW Picks New CEO From Manufacturing - Is BMW The First OEM To Use Blockchain For Transactions? - Piech Family Member Needs VW Dividends - Nio: Big EREV Batteries Are A Waste - Fiat to Bring Dinky Topolino To U.S. - Morgan Stanley Says No Growth in Tesla Stock - All in The Family, Automotive Style

For Episode 230, we welcome Djimo Serodio, Founder of Silvi, and Jon Ruth, Co-Founder of the Climate Coordination Network, two leaders helping reimagine how the world funds and verifies ecological restoration.We unpack the newly launched Bioregional Reforestation Grants Round, the largest blockchain-native, outcomes-based reforestation funding mechanism to date, and explore why this may be a blueprint for the next era of regenerative climate finance.You'll learn:

Weken aan lieve woorden en lobby-bezoekjes aan het Witte Huis gingen eraan vooraf, maar topman Jensen Huang van Nvidia heeft het voor elkaar gekregen. Hij krijgt weer toegang tot de Chinese markt met zijn AI-chips. Tenminste, dat krijgt hij van de Verenigde Staten. Die staan het toe dat een van de meer geavanceerde AI-chips van Nvidia naar China worden geëxporteerd. Nu blijft er nog één probleem over: ook China moet nog overstag. Hoe kan Huang dat voor elkaar krijgen? En hoe blij moeten beleggers met deze eerste stap zijn? Dat hoor je in deze aflevering. Dan hebben we het ook over het jachtseizoen. De Europese Commissie trapt dat af. Het richt de pijlen nu op Alphabet en hun AI-overviews. Alphabet zou de data daarvoor aftroggelen bij hun gebruikers en misschien wel misbruik maken van hun macht in de zoekmachinemarkt. Opvallend, want ook Meta kreeg onlangs nog een nieuw onderzoek aan de broek vanuit Europa. Dus is Europa de aanval op Amerikaanse techbedrijven weer aan het opvoeren? Verder hoor je over Duitsland. Dat zou al akkoord zijn om een recordbedrag aan defensie-uitgaven te gaan doen. En we vertellen je wanneer jij hier in Europa in een zelfrijdende taxi kan stappen.See omnystudio.com/listener for privacy information.

Hoy escucharemos al @padreluisrodrigo compartir su reflexión sobre el evangelio según San Lucas (Lc 1,26-38). Podcast producido por New Fire (@benewfire).

Waymo cars are driving like NYC cab drivers now, and Ray will tell us why. He'll also describe what happens when you forget to tighten the oil fill cap on your engine, then illustrates the old and new sizes specified for a vintage Fiat oil filter. Chris describes what its like to do a rear brake job on his Explorer in the cramped confines of his garage. Anti freeze formulations & usage also get kicked around a bit with a caller.   On Instagram: @real_motormouthradio and on You Tube: https://youtu.be/R_Wl9JcDhi0

Behold I am the haindmaid of the LORD be it done unto me according to your word! Andvent is a season of waiting, a pause before the messiah is born. We need to sit and wait and prepare our hearts. The Angle asked our Lady to be the mother of God, she paused and then declaired.. Behold I am the haindmaid of the LORD be it done unto me according to your word! Mary teaches us the pattern: Listen. Believe. Receive. Give praise. At the Annunciation, she offers her FIAT — a yes that lets God's life enter the world. One hand of the Pietà cradles Christ, the other stays open. So must ours. How and where is God calling you to give him your FIAT? Spiritual motherhood means emptying ourselves so we can receive divine life and nurture it through the Holy Spirit. We take souls to Our Lady, hide under her mantle when afraid, and offer ourselves as a total gift. The world needs good moms — women who radiate Christ's love and suffer with one another. The feminine genius is vulnerability, staying soft when life tries to harden us. Mama Mary, make me a virtuous woman like you. Help me give my FIAT, be a light that cannot be dimmed, a heart that stays soft, and a soul that radiates Christ's love. Amen.

ENJOY THIS SPECIAL PRESENTATION!Dive into the third day of our Advent challenge for families, Finding Fiat! In this challenge, we follow the story of the beloved Saints Alive character, Grace Brumley, as she prepares to play Mary in her school's Nativity play. Grace has many doubts and fears about playing such a big role but through prayer, reflections on Mary's trust in God, and her family's support, Grace finds her own little fiat this Advent.In this episode, we'll listen in as Grace, Brad, and their friends hear a story about the Blessed Virgin Mary when she was a child. Since little is known of Mary's childhood, we used pious traditions as well as imaginative storytelling to tell this story.Want to hear what happens next? It's not too late to join the Hallow Kid's Advent challenge for families on Hallow! Join Finding Fiat today! Saints Alive is brought to you by the #1 Catholic Prayer App, Hallow! Sign up today with a 30-day free trial! Please rate, review and share with friends and family! Find out more about Saints Alive at our website: https://www.saintsalivepodcast.com/

In ep 150 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Tim Bick joins Sam and Mark to talk about wildlife documentary reads, and whether we're so used to hearing Attenborough or Nat Geo styles that it's difficult to come up with anything new. We work out how intimate should an intimate read be, and how big should a big read be? We hark back 15 years to the comfortable announcer style that's so out of vogue these days - and ask what it is that a corporate film should really sound like. In the wildcards we get angry, get on Insta and bark our way into a new language!Our VO question this week is all about letting your client hear the loopback on a take in a directed session.Get involved! Have you got a Wildcard suggestion that we should try or an idea for the show? Send it to us via Mark or Sam's social media or email it directly to podcast@britishvoiceover.co.ukScript 1Along the edge of the sea ice, walruses forage for clams buried in the mud — their whiskers sweeping like sensors across the seabed. Ringed, bearded, and harp seals glide through cracks in the ice, surfacing for air where the water meets frozen sky.Above us — the Arctic's apex predator. The polar bear. It depends entirely on this frozen platform to hunt seals. As the ice retreats earlier each year, that balance — between predator and prey, ice and ocean — begins to fracture.Script 2Presenting Empiricon Stewart Racing.Two teamwork powerhouses focused around the same goal - to unleash the full potential of a legendary race team.Empiricon creates software that transforms teamwork and makes possible together what would be impossible alone.And today, they join forces with an icon of Formula 1 to usher in a new era of racing. Together, we will advance teamwork in ways never-before-seen within the greatest team sport on earth.This is Empiricon Stewart Racing.We'd love your feedback - and if you listen on Apple Podcasts or Spotify, hit the follow button today!**Listen to all of our podcasts here - you can also watch on YouTube, or say to your smart speaker "Play How Do You Say That?!"About our guest: Tim Bick's distinctive blend of warmth, intelligence, and authority has made him a trusted voice for global brands like Fiat, Microsoft and Pfizer, and broadcast networks including the BBC, Netflix and Apple TV. In addition to national TV campaigns and documentaries, Tim has brought humanity, humour and depth to multiple roles in video games such as Warhammer 40,000: Rogue Trader, Nioh 3 and Smite. He can also be heard by the neighbours, teaching his dog to sing. Tim's Website Tim's Facebook page @timbickvo on Instagram Tim on YouTube Resources:

The First week of Advent is here! Join Amy, Vicky, and Br. Travis as they use the 2026 Strenna introduction as a lens to share on Mary from Luke 1:26-56.    If you'd like to read the Strenna Introduction, use this link to read with us https://archive.sdb.org/Documenti/Rettor_Maggiore/strenna/2026/Strenna_2026_Presentazione_en.pdf   Thanks for being here with us!   If you want more episodes likes this one, subscribe to join in on the fun! For more information about the Salesian Family please visit: https://salesians.org https://salesiansisters.org https://www.instagram.com/sym_bosco/ https://www.youtube.com/c/SalesiansofDonBosco https://www.facebook.com/salesianym https://www.salesianlaymissioners.org https://www.tiktok.com/@salesiansofdonbosco?lang=en

We arrive at the conclusion of the article on how Jesus prays, teaches us to pray, and hears our prayer. Fr. Mike examines the remarkable beauty and simplicity of the “Jesus Prayer.” He also examines Mary's Fiat and Magnificat, and how she can pray and intercede for us. He concludes with an invitation to prayer by saying it is more important to pray than to talk about prayer. Today's readings are Catechism paragraphs 2616-2622. This episode has been found to be in conformity with the Catechism by the Institute on the Catechism, under the Subcommittee on the Catechism, USCCB. For the complete reading plan, visit ascensionpress.com/ciy Please note: The Catechism of the Catholic Church contains adult themes that may not be suitable for children - parental discretion is advised.

For Episode 229, I'm thrilled to welcome Mark Pascall, Co-Founder of The Wellbeing Protocol and the newly launched hum.community a participatory funding platform that transforms how local communities allocate funds.In today's episode, we explore this question and the origins of The Wellbeing Protocol, the lessons learned from 15 pilot projects across New Zealand, Australia, and the UK, and why hum.community is such a meaningful milestone for the future of community-led impact.You'll learn:

We are delighted to have two Marian Sisters join us to talk about their recent experience with the Feast for Fiat as well as sharing memories from different milestone moments in their religious life, including chopping off their hair and performing plays written about sisters in honor of their first vows. Then Sr. Abigail Marie shares her vocation story. 

Come listen to this exclusive preview clip of our upcoming Advent series: Finding Fiat! In this series, we'll follow the story of the beloved character, Grace Brumley, as she prepares to play Mary in her school's Nativity play. We'll hear about her doubts and fears preparing for such a big role, and how she wonders if she's up for the part! But through prayer, reflections on Mary's trust in God, and her family's support, Grace finds her own little fiat this Advent. You'll also be able to pray through the Little Office of the Blessed Virgin Mary with your kids, listen to Saints Alive immersive episodes on the life of Mary, enjoy a new Catholic Q&A show for kids called Holy Moly, prepare your hearts with Family Mass Prep, and so much more! Join the waitlist today to grow closer to Jesus this Advent with your family! This series is a Hallow exclusive challenge and begins on Monday, December 1st! Sign up for the Finding Fiat challenge today!  Saints Alive is brought to you by the #1 Catholic Prayer App, Hallow! Sign up today with a 30-day free trial! Please rate, review and share with friends and family! Find resources on the saints, discussion questions and more about our team by visiting our website: https://www.saintsalivepodcast.com/

Car things are happening this week! The GS F gets lined up and driven, the Abarth decides to give Dave the silent treatment, and Ian's VW Alltrack crackles oddly. Weird! We love you!!!

Have you dreamt of a year-long trip with your family? $ BTC 90,178 Block Height 925,327 Today's guest on the show is Daz Bea who joins me to discuss how he and his wife plucked up the courage to leave his job behind, rent out their house, take the kids out of school and live the van life around Australia for one year! How has this trip affected their marriage, his relationship with his kids and the overall family dynamic? Will the kids return to school,will Daz return to his fiat work, and what other decisions to they face on their return? Key Topics: Homeschooling and unschooling approaches Impact of travel and experiential learning on children Bitcoin's role in enabling lifestyle changes Challenges and adjustments of van life and homeschooling Reintegrating into fiat society Follow Daz: X - @dazbea NOSTR - npub1jqckepsld3xn98aeq7yg72g0yrqkz92vegkv6k3prfhkzu356v5qa6akee Bitcoin Education - https://lookingglasseducation.com/ Check out my book ‘Choose Life' - https://bitcoinbook.shop/search?q=prince ALL LINKS HERE - FOR DISCOUNTS AND OFFERS - https://vida.page/princey - https://linktr.ee/princey21m Pleb Service Announcements: Join 19 thousand Bitcoiners on @cluborange https://signup.cluborange.org/co/princey Support the pod via @fountain_app -https://fountain.fm/show/2oJTnUm5VKs3xmSVdf5n The Once Bitten YouTube Channel: https://www.youtube.com/@Princey21m The Bitcoin And Show: https://www.bitcoinandshow.com/ https://fountain.fm/show/eK5XaSb3UaLRavU3lYrI Shills and Mench's: CONFERENCES 2025: BITFEST - MANCHESTER - ENGLAND - 21st - 23rd November 2025. https://bitfest.uk/ - USE CODE BITTEN - 10% BTC JAPAN - TPKYO - 23rd - 24th November. https://btc-jpn.com/en USE CODE BITTEN - 10% PAY WITH FLASH. Accept Bitcoin on your website or platform with no-code and low-code integrations. https://paywithflash.com/ RELAI - STACK SATS - www.relai.me/Bitten Use Code BITTEN SWAN BITCOIN - www.swan.com/bitten BITBOX - SELF CUSTODY YOUR BITCOIN - www.bitbox.swiss/bitten Use Code BITTEN PLEBEIAN MARKET - BUY AND SELL STUFF FOR SATS; https://plebeian.market/ @PlebeianMarket ZAPRITE - https://zaprite.com/bitten - Invoicing and accounting for Bitcoiners - Save $40 KONSENSUS NETWORK - Buy bitcoin books in different languages. Use code BITTEN for 10% discount - https://bitcoinbook.shop?ref=bitten SEEDOR STEEL PLATE BACK-UP - @seedor_io use the code BITTEN for a 5% discount. www.seedor.io/BITTEN SATSBACK - Shop online and earn back sats! https://satsback.com/register/5AxjyPRZV8PNJGlM HEATBIT - Home Bitcoin mining - https://www.heatbit.com/?ref=DANIELPRINCE - Use code BITTEN. CRYPTOTAG STEEL PLATE BACK-UP https://cryptotag.io - USE CODE BITTEN for 10% discount.

For episode 228, we have something special in store. In Web3, we spend a lot of time talking about potential: what blockchain could unlock for climate, aid, finance, or human rights. And those conversations matter because they help shape the future.But today, I want to cut through the noise and focus on what's happening right now.All around the world, builders, nonprofits, and communities are already using crypto rails to move money faster, more transparently, and more equitably than ever before. Real people are feeling the impact. Lives are changing. And these stories often go unheard.So in this special episode, I'm sharing eight powerful clips from past conversations; moments that highlight the human stories behind the tech, and the tangible impact being made today.You'll learn:

Jeff Booth explains why Bitcoin is the foundation for the world's first true free market—one that naturally trends toward deflation and abundanceArgues that existing fiat systems must inflate due to debt dynamics, guaranteeing increasing centralization, surveillance, and coercionDissects Elon Musk's claim that money will become irrelevant—agreeing only if humanity transitions to a Bitcoin-based system with privacy layersShows why AI and robotics accelerate deflation in a free market, but cause chaos and inequality inside fiat systemsBreaks down why housing, healthcare, and education prices rise despite technological efficiency: money printing, not real scarcityHelps new Bitcoiners understand price volatility and why they must build conviction through deep study—don't just “trust”Explains Bitcoin's resilience and the importance of decentralization, self-custody, nodes, and privacy technologies like Fedimint and CashuHighlights El Salvador as a real-world example of choosing a Bitcoin-based free-market pathDiscusses long-term security concerns (quantum, government attacks) and why open protocols evolve faster than threatsReframes Bitcoin as a civilizational protocol upgrade, not a trade—and encourages ignoring fiat pricing entirely Swan Private helps HNWI, companies, trusts, and other entities go beyond legacy finance with BItcoin. Learn more at swan.com/private. Put Bitcoin into your IRA and own your future. Check out swan.com/ira.Swan Vault makes advanced Bitcoin security simple. Learn more at swan.com/vault.

Broadcasting from under the Hollywood sign in the middle of a rare Californian downpour, we follow the water straight into the gold. Starting with LA as a city built on pure imagination, we jump back to the original gold rushes that reshaped the map: California in 1849, the Australian fields, the Klondike, and the deep shafts of South Africa. We meet Johann Sutter and the prospector who accidentally ruined his carefully built New Helvetia, the pioneers who turned empty coasts into booming economies, and the engineers and chemists who turned raw gold into the backbone of the 19th-century gold standard, global trade, and the first great age of financialisation. More recently, we ask why is gold nudging $4,000 an ounce? Why are central banks loading up on bullion again? Is this a bet against the dollar, a sign of geopolitical jitters, or the start of a new monetary era as fiat money and the old globalisation order creak? From mudslides in Malibu to vaults in Fort Knox, this episode is all about gold, what it did to the world before, and what its new surge might be telling us now. Hosted on Acast. See acast.com/privacy for more information.

Allen Farrington and Harris Irfan explain that Bitcoin aligns with Islamic finance principles. They discuss riba (usury), fractional reserve banking, and why sound money naturally produces Islamic harmonious financial systems. Allen Farrington and Harris Irfa explain their seminal paper "Bitcoin, Fiat and Islamic Finance." They dive into why Islamic banking is an oxymoron, how riba (interest/usury) connects to fractional reserve banking, and why Bitcoin naturally produces Islamic-compliant financial systems. Subscribe to the newsletter! https://newsletter.blockspacemedia.com **NOTES:** - Global South spends half GDP on debt interest - Islamic finance industry worth $3+ trillion - Dinar used for 1000+ years in Islamic world - Fractional reserve creates money via lending - Sukuk are asset-backed Islamic bonds - Bitcoin enables prophetic economics principles 00:00 Start 01:56 Allen's backstory 03:13 Harris' background 05:09 Islamic banking is an oxymoron 08:10 Islamic finance will emerge on top of Bitcoin 12:46 Basics of Islamic finance 15:20 Riba (interest) 18:08 BTC mining in Islamic nations 24:07 managers & risk sharing 27:55 Flux 33:00 Is Bitcoin halal? 38:58 Islamic finance & a Bitcoin Standrd 41:42 Research response -

The final assembly rollout of the first Airbus A350F freighter, the ICAO-mandated emissions standards that take effect in 2027, flight delay compensation, a streaming data black box, IAE signals future GTF engine, and FAA flight restrictions end. Additionally, updates on Boeing's criminal and civil cases, the USS Forrestal aircraft carrier, and listener mail. Aviation News First A350F airframe rolled out from final assembly line The Airbus A350F freighter was launched in 2021 and originally scheduled to enter service in 2025, but Spirit AeroSystems' inability to deliver enough central fuselage sections prevented that. Spirit AeroSystems has experienced quality control and production output issues, compounded by financial challenges and a pending business restructuring involving both Airbus and Boeing.​ These issues affected both the freighter and passenger A350 production rates. The A350F is designed to meet the ICAO-mandated emissions standards taking effect in 2027. The standards also work in coordination with ICAO's CORSIA scheme, requiring carbon offsetting for most international flights from 2027–2035, with mandatory participation for most states.​ A350F rendering, courtesy Airbus. Trump Admin Blocks Plan to Force Airlines to Pay Customers for Delays Flight cancellations by US airlines result in refunds for passengers, but flight delays are not compensated. The Biden-era proposal would have required airlines to pay cash compensation to passengers when carriers are responsible for major flight delays. The FAA said the proposal would create “unnecessary regulatory burdens” and impose significant costs on airlines. The DOT said it preferred to “allow airlines to compete on the services and compensation they provide.” Black Box in the Sky Captures Data on the Fly Honeywell Aerospace is developing a system it calls “Black Box in the Sky” (BBITS). It replaces hardware-based recorders with streamed flight data in near real-time. BBITS streams data via a cloud-based portal, simplifying flight data collection, and is consistent with the ICAO Timely Recovery of Flight Data (TRFD) mandate.  The ICAO Timely Recovery of Flight Data (TRFD) technical standard, part of the Global Aeronautical Distress and Safety System (GADSS), requires that aircraft use technologies that ensure flight data is quickly and reliably accessible for investigators after an incident, without needing to physically recover the flight data recorder (FDR), particularly in cases such as accidents over water. TRFD applies to large commercial aircraft with type certification applications submitted after January 1, 2021. See: Honeywell to Connect 'Black Boxes' for Aviation Safety. IAE partners reaffirm GTF engine push for next-generation single-aisle jets International Aero Engines (IAE) is a joint venture formed in 1983 to develop the new V2500 engine for the 150-seat single-aisle aircraft market. The initial consortium was Pratt & Whitney (30%), Rolls-Royce (30%), Japanese Aero Engine Corporation (JAEC) (23%), MTU Aero Engines (11%), and Fiat (6%). Fiat later withdrew, and its share was taken over by Rolls-Royce and Pratt & Whitney. Then Pratt bought out RR in 2012, making PW the majority shareholder. The V2500 powers the Airbus A320 family and the McDonnell Douglas MD-90. More than 7,800 engines have been sold. In a statement, (IAE international engine partnership marks key milestones and charts future propulsion path), the consortium said, “Together, the companies will evolve the required technologies for the development of the most advanced and efficient GTF engine technology for the next generation of commercial aircraft.” Aerotime comments that “IAE is signaling that an evolutionary path may offer lower risk than more disruptive architectures, such as open-rotor systems or hydrogen-powered solutions.” Shane Eddy, president, Pratt & Whitney, said, "As founding partners on some of the most critical engine technology and support in aerospace today, we remain fully committed to these engine programs and working together on the development of future commercial aircraft applications, particularly the next generation single aisle aircraft. As we work to chart IAE's future propulsion path, our performance on today's GTF program will remain our highest priority as we continue to focus on delivering to our customer commitments." Trump administration ends flight cuts at busy airports The FAA's flight cuts at 40 major airports ended, and the DOT emergency directive was cancelled. DOT pointed to a decline in air traffic controller-related staffing triggers. Controllers received 70 percent of the pay they were owed during the shutdown. FAA said staffing levels have continued to snap back into place since the end of the government shutdown. The current data aligns with staffing conditions before the shutdown.” Boeing Update Erin Applebaum, attorney at aviation accident law firm Kriendler & Kriendler, describes the latest developments in the Boeing criminal and civil lawsuits. First civil trial of 737 Max in Ethiopia begins as Boeing settles three more lawsuit Boeing has accepted liability for the crash, and the jury's task in this civil case was limited to setting damages for burial costs, lost income, and emotional suffering for the family of one victim. Boeing's liability had already been established and is the same for all victims. On the other hand, damages are assessed on a per-victim basis, taking into account the unique circumstances of each individual. Boeing settles with families of three 737 Max crash victims Boeing won't face criminal charge over 737 Max crashes that killed hundreds of people A federal judge in Texas granted the government's request to dismiss, and Boeing will not face a criminal conspiracy charge. Erin describes how the judge did not think dismissal was warranted, but his hands were tied as he would have had to find that the government was acting in bad faith. The families have filed an appeal under the Crime Victims' Rights Act. Mentioned Video: MAINE | An Aviation Short Film https://youtu.be/H-JRkvfYBXY Hosts this Episode Max Flight, Rob Mark, our Main(e) Man Micah, and Erin Applebaum.

The media in this country better start doing a deep dive on Ilhan Omar. The 50th Anniversary of the wreck of the Edmund Fitgerald. Nancy Pelosi stock tips are better than the Fiat stock tip. Culling 450 thousand owls?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.