Podcasts about HB

Racing Through Tears & Brake Fluid | The End of Pitt RaceIn this Bristol episode 406; Chris gets asked not to bring the hot tub, Chrissy thinks a chihuahua is exhausting, Tim is 40% cold & 80% party, Mental drills holes in a tree stump to burn it with oil, & even Jeff goes to a drag queen sex toy bingo.  Really, we talk all about our memories of Pitt Race. It's the end of an era—and, as usual, the beginning of a lot of questionable mechanical decisions. In Everyone Racers Episode 406, the crew gathers to laugh, cry, & possibly curse their way through their various schools & race weekends at Pitt Race, the legendary western Pennsylvania track that's closing its doors for good next year.This episode dives deep into what made Pitt Race more than just another circuit—it was a proving ground for amateur racers, a playground for endurance masochists, & a second home for people who think “budget” & “racing” belong in the same sentence. From all-night wrenching to mid-race miracles, we celebrate the chaos, community, & questionable car choices that defined this place.

Freedom of mobility isn't just a catchy phrase—it's the foundation of a vision for Texas where citizens aren't bound to a single transportation option. State Representative John Bucy shares his ambitious plans for expanding transportation choices across the Lone Star State, from high-speed rail connecting major cities to defending Austin's Project Connect light rail system.As one of the legislature's most vocal transit advocates, Bucy has sponsored critical legislation like HB 483 (authorizing public-private partnerships for high-speed rail along I-35), HJR-58 (a constitutional amendment allowing highway funds for other transportation modes), and HB 542 (permitting state highway funds for transit-oriented projects). His advocacy comes from personal experience—splitting time between Austin and Dallas as a child, he imagined faster, more efficient ways to make that journey.The conversation reveals how transit debates in Texas often transcend the merits of the transportation systems themselves. "It's been less about the train and more about anti-Austin," Bucy explains, highlighting how urban-rural tensions and partisan politics frequently overshadow practical discussions about mobility. Despite these challenges, he's found surprising allies, with four Republicans joining Democrats to advance high-speed rail legislation out of committee—the first pro-transportation bill to gain traction in the Texas legislature in two decades.Particularly fascinating is Bucy's reframing of transit as a freedom issue, cleverly positioning public transportation in terms that might resonate with conservative Texans who typically value individual choice. "I drive a Jeep," he notes. "This isn't to get rid of trucks and Jeeps...it's to increase freedom of mobility for all Texans."The most compelling argument might be historical: "In the 80s, Texas was known as the leader in infrastructure," Bucy reflects. "Our roads were the best system across the country, and we have fallen off." For a state that prides itself on exceptionalism, the idea of reclaiming leadership in transportation innovation could be the key to building broader support for transit.Want to help make this vision a reality? Contact your representatives, especially if they're Republicans, and explain how transit benefits everyone—even those who never plan to use it—by providing more choices and reducing highway congestion.Send us a textSupport the show

For years, the transcripts and evidence from the 2006 Palm Beach County grand jury — convened to investigate Epstein's alleged sexual exploitation of minors — remained sealed under Florida's strict grand jury secrecy rules. Media organizations (notably the Palm Beach Post) and public interest groups repeatedly sought access, arguing that the public needed transparency about why only a single solicitation-of-prostitution charge was returned despite far more serious allegations. These petitions were denied by lower courts, which held that under existing law, judges lacked authority to override the secrecy protections. That changed when Florida's Legislature in 2024 passed HB 117, a law tailored to allow disclosure of grand jury materials in cases involving sexual activity with minors and deceased defendants. Gov. Ron DeSantis signed it into law, making it possible (beginning July 1, 2024) for a judge to order release of those previously sealed transcripts.In July 2024, Palm Beach Circuit Judge Luis Delgado ordered the release of about 150 pages of those transcripts. The unsealed records showed that prosecutors had presented testimony from two alleged underage victims, police officers, and others — but rather than focusing squarely on Epstein's alleged abuse, the questioning at times shifted toward whether the victims themselves could face criminal liability. The transcripts also confirmed prosecutors had been aware of rape and trafficking allegations well before Epstein's 2008 plea deal, fueling arguments that the case was deliberately undercharged to shield him. Even after this release, large portions of the records remained redacted, leaving critics to argue that the state had still not provided full accountability.to contact me:bobbycapucci@protonmail.com

The effort to unseal the 2006 Florida state grand jury records tied to Jeffrey Epstein's first arrest moved slowly but eventually inched closer to the finish line after years of stalled petitions. A turning point came in 2023 when an appellate court in CA Florida Holdings LLC v. Aronberg ruled that lower courts did have discretion to release grand jury materials under certain conditions — a break from earlier rulings that had kept the records fully sealed. This legal shift paved the way for renewed pressure to disclose the documents, particularly as public outrage over Epstein's past leniency grew.Momentum accelerated in early 2024 when Florida lawmakers passed HB 117, a bill signed by Gov. Ron DeSantis, that explicitly allowed disclosure of grand jury records in cases involving sexual activity with minors if the subject was deceased. With this statute in place, Palm Beach Circuit Judge Luis Delgado ordered the release of roughly 150 pages of transcripts in July 2024. The disclosure — while still redacted in places — marked the closest the process had come to full transparency, reflecting a slow but steady march toward exposing how the 2006 case against Epstein was handled.to contat me:bobbycapucci@protonmail.com

The release of the 2006 Florida grand jury records tied to Jeffrey Epstein's first arrest had a very specific date: July 1, 2024. That date was not chosen at random — it was the exact day that Florida's new law, HB 117, went into effect. This law created the first-ever pathway to unseal grand jury materials in cases involving sexual offenses with minors if the subject of the investigation was deceased. Palm Beach Circuit Judge Luis Delgado signed the release order the same morning the law became active, marking a coordinated legal and legislative milestone after years of stonewalling. By that afternoon, Palm Beach County Clerk Joe Abruzzo confirmed that the documents were officially public.The release of the 2006 Florida grand jury records tied to Jeffrey Epstein's first arrest had a very specific date: July 1, 2024. That date was not chosen at random — it was the exact day that Florida's new law, HB 117, went into effect. This law created the first-ever pathway to unseal grand jury materials in cases involving sexual offenses with minors if the subject of the investigation was deceased. Palm Beach Circuit Judge Luis Delgado signed the release order the same morning the law became active, marking a coordinated legal and legislative milestone after years of stonewalling. By that afternoon, Palm Beach County Clerk Joe Abruzzo confirmed that the documents were officially public.to contact me:bobbycapucci@protonmail.com

www.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:f Dom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal ProductsHB-SF25OFF for all HB other Products.ALL discount codes can be used at checkout on multiple itemsDiscount Codes only available on Health Bunker ProductsHealth Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UKhttps://www.etsy.com/uk/shop/gapinggobs

The effort to unseal the 2006 Florida state grand jury records tied to Jeffrey Epstein's first arrest moved slowly but eventually inched closer to the finish line after years of stalled petitions. A turning point came in 2023 when an appellate court in CA Florida Holdings LLC v. Aronberg ruled that lower courts did have discretion to release grand jury materials under certain conditions — a break from earlier rulings that had kept the records fully sealed. This legal shift paved the way for renewed pressure to disclose the documents, particularly as public outrage over Epstein's past leniency grew.Momentum accelerated in early 2024 when Florida lawmakers passed HB 117, a bill signed by Gov. Ron DeSantis, that explicitly allowed disclosure of grand jury records in cases involving sexual activity with minors if the subject was deceased. With this statute in place, Palm Beach Circuit Judge Luis Delgado ordered the release of roughly 150 pages of transcripts in July 2024. The disclosure — while still redacted in places — marked the closest the process had come to full transparency, reflecting a slow but steady march toward exposing how the 2006 case against Epstein was handled.to contat me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

The release of the 2006 Florida grand jury records tied to Jeffrey Epstein's first arrest had a very specific date: July 1, 2024. That date was not chosen at random — it was the exact day that Florida's new law, HB 117, went into effect. This law created the first-ever pathway to unseal grand jury materials in cases involving sexual offenses with minors if the subject of the investigation was deceased. Palm Beach Circuit Judge Luis Delgado signed the release order the same morning the law became active, marking a coordinated legal and legislative milestone after years of stonewalling. By that afternoon, Palm Beach County Clerk Joe Abruzzo confirmed that the documents were officially public.The release of the 2006 Florida grand jury records tied to Jeffrey Epstein's first arrest had a very specific date: July 1, 2024. That date was not chosen at random — it was the exact day that Florida's new law, HB 117, went into effect. This law created the first-ever pathway to unseal grand jury materials in cases involving sexual offenses with minors if the subject of the investigation was deceased. Palm Beach Circuit Judge Luis Delgado signed the release order the same morning the law became active, marking a coordinated legal and legislative milestone after years of stonewalling. By that afternoon, Palm Beach County Clerk Joe Abruzzo confirmed that the documents were officially public.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

For years, the transcripts and evidence from the 2006 Palm Beach County grand jury — convened to investigate Epstein's alleged sexual exploitation of minors — remained sealed under Florida's strict grand jury secrecy rules. Media organizations (notably the Palm Beach Post) and public interest groups repeatedly sought access, arguing that the public needed transparency about why only a single solicitation-of-prostitution charge was returned despite far more serious allegations. These petitions were denied by lower courts, which held that under existing law, judges lacked authority to override the secrecy protections. That changed when Florida's Legislature in 2024 passed HB 117, a law tailored to allow disclosure of grand jury materials in cases involving sexual activity with minors and deceased defendants. Gov. Ron DeSantis signed it into law, making it possible (beginning July 1, 2024) for a judge to order release of those previously sealed transcripts.In July 2024, Palm Beach Circuit Judge Luis Delgado ordered the release of about 150 pages of those transcripts. The unsealed records showed that prosecutors had presented testimony from two alleged underage victims, police officers, and others — but rather than focusing squarely on Epstein's alleged abuse, the questioning at times shifted toward whether the victims themselves could face criminal liability. The transcripts also confirmed prosecutors had been aware of rape and trafficking allegations well before Epstein's 2008 plea deal, fueling arguments that the case was deliberately undercharged to shield him. Even after this release, large portions of the records remained redacted, leaving critics to argue that the state had still not provided full accountability.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Send us a textConflict doesn't have to divide us; it can be the wrestle that leads to deeper understanding and stronger communities. In this episode of The Purple Zone, Alexis reflects on her experiences moderating at voucher town halls across Idaho, where dignity has proven essential for meaningful dialogue. (This isn't a convo about vouchers, it's the takeaway from interacting with communities all over Idaho).Drawing from the Dignity Index, personal stories, and even her daughter's raw reflections after the recent tragedy in Michigan, Alexis explores why conflict is not the problem...contempt is. She shares how offering dignity, even in disagreement, opens the door for learning and connection, whether in public policy debates like HB 93 or in everyday conversations, in person or on social media.The Purple Zone isn't about compromise. It's about coming to the table with honesty, good intentions, and the courage to work through conflict together.Find Alexis on Instagram and JOIN in the conversation: https://www.instagram.com/the_idaho_lady/ JOIN the convo on Substack & STAY up-to-date with emails and posts https://substack.com/@theidaholady?r=5katbx&utm_campaign=profile&utm_medium=profile-page Send Alexis an email with guest requests, ideas, or potential collaboration.email@thealexismorgan.comFind great resources, info on school communities, and other current projects regarding public policy:https://www.thealexismorgan.com

Recorded June 4, 2025In this special episode of the HB Insight Series, we explore the enduring connections between HB Studio, the Noël Coward Foundation, and the Witness to History project. Host Francesca Ferrara is joined by preservationist Alan Pally, Tony Award-winning actor Frank Wood, and HB's Production Manager Moshe Henderson. Together, they trace Uta Hagen and Herbert Berghof's relationships to Noël Coward, uncover personal stories that illuminate Coward's legacy as both wit and social critic, and reflect on how his influence continues to inspire contemporary political theater.This episode provides the historical and artistic context for the Witness to History: The Testimony Project, highlighting how HB Studio and the Noël Coward Foundation carry forward a tradition of daring, socially engaged artistry.

VOV1 -Nhiệm kỳ ĐHĐB công an Trung ương lần thứ VII (2020-2025) là một nhiệm kỳ thành công, ghi nhiều dấu ấn trong lịch sử 80 năm ra đời, chiến đấu, trưởng thành và phát triển của Lực lượng CAND. Trân trọng giới thiệu bài viết “Công an nhân dân vì Đảng, vì dân" của Tổng Bí thư Tô Lâm.

John Cooper https://www.youtube.com/@TheJohnCooperShowhttps://www.youtube.com/watch?v=EabTrc_0fT4www.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:f Dom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal ProductsHB-SF25OFF for all HB other Products.ALL discount codes can be used at checkout on multiple itemsDiscount Codes only available on Health Bunker ProductsHealth Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UK 

This month we are delighted to be joined by Markus Kröger, professor of Global Development Studies at University of Helsinki. Markus has joined the show before as a founder of the EXALT Initiative and as a PI in the Trees for Development project. This time Markus is here to talk to us about his new book from University of Cambridge Press, Clearcut: Political Economies of Deforestation. This open access book will be published open access in October 2025. Markus gives us a sneak peek into the key topics of the book, primarily the mechanisms of regionally dominant political economies (RDPE) and the role they play in driving extractive sectors. To make this novel theorization, Markus looked at cattle capitalism in Brazil, narco-gold in the Amazon, and paper pulping in Finland. Markus shows how these three different RDPEs drive deforestation in their respective locations.  Interested in reading Clearcut? https://www.cambridge.org/fi/universitypress/subjects/earth-and-environmental-science/environmental-policy-economics-and-law/clearcut-political-economies-deforestation?format=HB&isbn=9781009389549  Interested in learning more about Markus' work? https://researchportal.helsinki.fi/en/persons/markus-kr%C3%B6ger  Interest in the Trees For Development Project? https://www.helsinki.fi/en/researchgroups/trees-for-development   

How closely were you following the news this month? September was undoubtedly a busy time: we saw a slew of global and local headlines from a big shakeup of the US's HB-1 visas, to Charlie Kirk's high profile assassination and Singapore's parliamentary debates. Play along and let us know how well you do! Presented by Audrey Siek, Ryan Huang and Emaad Akhtar Produced by Audrey Siek Edited by Trisha Yeong Photo and music credit: Pixabay & its talented community of contributorsSee omnystudio.com/listener for privacy information.

Devocional do dia 22/09/2025 com o Tema: “Fé em Deus” No Egito antigo, depois de o faraó emitir um decreto, os pais de determinado bebê sabiam que seu belo filho, nascido há três meses, podia ser morto a qualquer momento – bastava apenas que fosse encontrado, assim como ocorreu a muitos meninos inocentes naquela mesma época. Uma tragédia como essa poderia ocorrer a qualquer um – desde bebês a adultos – ao redor do mundo, em qualquer momento histórico. LEITURA BÍBLICA: Hebreus 11.23-29 Ora, a fé é a confiança daquilo que esperamos e a certeza das coisas que não vemos (Hb 11.1). See omnystudio.com/listener for privacy information.

ANDREW JOHNSON "Home for Lewis"https://www.checktheevidence.com/wordpress/2025/08/26/a-home-for-lewis-trust-fund-for-lewis-hall/  https://www.checktheevidence.com/wordpress/free-pdf-books/MARK CONLONBlog: https://911planesresearch.substack.com/Original Blog: https://mark-conlon.blogspot.com/YouTube: https://youtube.com/@911PlanesResearchOdysee: https://odysee.com/@911PlanesResearch:bRumble: https://rumble.com/user/911PlanesResearchX (Twitter) https://x.com/PlanesResearchwww.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:f Dom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal ProductsHB-SF25OFF for all HB other Products.ALL discount codes can be used at checkout on multiple itemsDiscount Codes only available on Health Bunker ProductsHealth Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UK

Jim Walsh, chairman of the Washington State Republican Party, argues the new West Coast “alliance” of governors raises valid concerns about dubious vaccine mandates. He points to HB 1531, standing orders, and past mandates as reasons Washingtonians remain wary. https://www.clarkcountytoday.com/opinion/opinion-west-coast-alliance-raises-thoughts-of-dubious-vaccine-mandates/ #Opinion #WashingtonState #JimWalsh #WAGOP #BobFerguson #TinaKotek #GavinNewsom #VaccineMandates #COVID #ImmunizationPolicy

Oregon’s Tribal Early Learning Hub has faced a number of challenges since its creation. But this summer, state lawmakers passed HB 2815, which would invest more in early learning for Oregon's nine federally recognized tribes. As the school year begins, we hear from Jory Spencer, the early childhood service program manager for the Confederated Tribes of the Umatilla Indian Reservation. We also hear from Jennifer Reid, education director for Cow Creek Band of Umpqua Tribe of Indians. They both join us to share more about their programs and what these new investments mean for them.

Happy Latine Heritage Month! This week we're talking about North Carolina's SB 153 & HB 318; bills that weaken our communities for everyone. Host Kai McNeil explores how these policies moved through the legislature and examines their far reaching effects beyond the immigrant community. Guests Helen Geleas from El Pueblo breaks down the legislative process, Bekah Brown from Education Justice Alliance discusses impacts on schools and public services, and America from Carolina Migrant Network shares what families are experiencing on the ground. This episode reveals how exclusionary policies don't just harm targeted communities they undermine democracy itself and affect all North Carolinians. Stay tuned for our upcoming spanish podcast episode with El Pueblo... COMING SOON!Support the showFollow Us on Social MediaFacebook: @DemocracyNorthCarolinaInstagram: @democracyncTikTok: @democracyncX: @democracync

Nylig ble 600 bøker fjernet fra skolebibliotekene i Florida, blant dem flere klassikere, herunder den tegnede utgaven av Anne Franks dagbok. Fordi de angivelig inneholdt "sexual conduct". Hvem bestemmer egentlig hvilke bøker som skal være på skolebeblioteker, og på pensum? Sterke syn på hvilke bøker som er passende for skoleelever er ikke noe nytt, særlig ikke i USA, og forsøk på bokfjerning kommer både fra høyre og venstre. Anine ser på en Floridalov fra 2023, HB 1069, som gjør at hvem som helst kan kreve bøker med "seksuell oppførsel" fjernet - og et søksmål anlagt av Penguin Random House, the Authors Guild, forfattere og foreldre om forholdet mellom denne loven og ytringsfriheten. Hosted on Acast. See acast.com/privacy for more information.

Night has fallen, so invite us in. This time, Ty and HB go bleh bleh mode to chat vampire games. Theme: Vampires Games played in the show: Cabernet 7'scarlet Leechcraft Deadly Desire: Love Starved The Ruby Court Maniculum episode about Leechcraft Ty HB Moonshot Network Edited by Wheels

The Interstate Medical Licensure Compact (IMLC) was signed into law in July of 2025 as part of North Carolina (NC) Session Law 2025-37/HB 67. By joining the IMLC, there will now be an additional pathway for licensure in North Carolina as well as a pathway for our licensees to obtain licenses in other compact member states.  In this episode, we talk with Marschall Smith, Executive Director of the IMLC Commission about the compact and what it means for licensees and for patients in and out of North Carolina. Host: Jean Fisher Brinkley, Communications Director, North Carolina Medical BoardGuest: Marschall Smith, Executive Director of the IMLC CommissionProducer: Sylvia French-Hodges, Communications Specialist, North Carolina Medical BoardFollow the North Carolina Medical Board on Facebook, Instagram, LinkedIn, and X.Email your questions to: podcast@ncmedboard.org.

Dave Murphy aka Allegedly Dave (www.allegedlydave.com)www.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:fDom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal ProductsHB-SF25OFF for all HB other Products.ALL discount codes can be used at checkout on multiple itemsDiscount Codes only available on Health Bunker ProductsHealth Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UK

Bob kicks off the show talking withattorney Tom Renz about HB 427 that would allow utility companies to control your thermostat and more. Bob then welcomes the great Peter Kirsano to discuss all the days top headlines, Bob then welcomes Senator Bernie Moreno, They talk about the drug boat that was destroyed, the border and the violence happening across our larger cities in America.See omnystudio.com/listener for privacy information.

Let's Go Washington, founded by Brian Heywood, launched two initiatives to the Legislature: a parental rights measure tied to I-2081 and HB 1296, and a girls-in-sports measure using existing eligibility records; responses include comments from the Washington State Democratic Party and Rep. Travis Couture, with a target of about 400,000 signatures. https://www.clarkcountytoday.com/news/lets-go-washington-launches-parents-rights-girls-in-sports-initiatives/ #WashingtonState #ParentsRights #GirlsInSports #Initiatives #WAPolitics #Education #OSPI #Elections

Sean Younghttps://thebridgelifeinthemix.info/https://www.youtube.com/@lifeinthemixwww.sheepfarm.co.ukhttps://www.youtube.com/@sheepfarmstudios2921/videoshttps://www.podomatic.com/podcasts/sheepfarmstudioshttps://rumble.com/user/SheepFarmStudiohttps://odysee.com/@sheepfarmstudios:f Dom's Health Bunker Supplements www.shop.healthbunker.co.ukUse discount Codes HB-SF10OFF for HB Liposomal ProductsHB-SF25OFF for all HB other Products.ALL discount codes can be used at checkout on multiple itemsDiscount Codes only available on Health Bunker ProductsHealth Bunker Clinic www.healthbunker.co.ukChris's Gaping Gobs – Etsy UK

The news of Texas covered today includes:Our Lone Star story of the day: Legislature calls it quits for the 2nd Called Session even though there was plenty of time left to keep working on important bills that help Texans. I guess they were too worried about running home to raise money for themselves and not worried enough about our growing property tax problem.Flood deaths lead Texas Republicans to act as Democrats with heavy regulation, attacks on private property use, and more spending – never letting a crisis go to waste isn't limited to Dems!Other items from the legislature: Texas House Cracks Down on Quorum-Busting With New Rules – but not really…. Texas Legislature fails to pass bill barring public from most police complaints – that's a good one to not get passed. HB 8 Passes, Replaces STAAR with 3 Tests & Restores Public School A-F Accountability Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Border related:  ABBOTT: Texas Truckers Should ‘Fully Comply' with Trump's Executive Order Requiring English Proficiency. Some background: Mexican B-1 visa truckers conducting illegal runs in US, more. And more: New Texas law combats fake international CDLs – note, we didn't even require a work visa until 2023! Gulf Cartel Brings Mexican Border City to Standstill After Fierce Gun Battle Pirro Strikes Blow to Narco-Trafficking: Historic Seizure of Precursor Chemicals Exposes China–Cartel Drug Route Attorney General Ken Paxton Appeals Flawed Injunction and Continues to Order That the Ten Commandments Be Displayed in Texas SchoolsListen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

It is time for our recap of the Texas Legislative Session when it comes to agriculture.  Our friend, J Pete Laney, is back with us once again.  J Pete and I talk through several key bills related to Texas agriculture this session.  It's always fun to chat with J Pete and get his on-the-ground knowledge about what's going on in Austin. Do note this episode was recorded on August 25, 2025.  With the ongoing special session, there may have been changes to bills considered in the special session since this time.  In particular, this is true for HB 27 related to groundwater in the Trinity Valley Groundwater Conservation District. Contact Info for J Pete Laney (website) http://www.jpetelaneylaw.com/ (phone) 512-473-0404 Links to Topics Mentioned on the Show Senate Bills  SB 7 - Relating to the oversight and financing of certain water infrastructure matters under the jurisdiction of the Texas Water Development Board. SB 17 - Relating to the purchase or acquisition of an interest in real property by certain aliens or foreign entities; creating a criminal offense; providing a civil penalty. SB 34 - Relating to funding for certain volunteer fire departments, to the preparation for and the prevention, management, and potential effects of wildfires, and to emergency communications in this state. SB 261 - Relating to a prohibition on the offering for sale and the sale of cell-cultured protein for human consumption; providing civil and criminal penalties. SB 503 - Relating to the establishment of an electronic registry of livestock marks and brands. SB 541 - Relating to cottage food production operations.  (Check out the Farm Ranch Freedom Alliance for more information on these changes!) SB 767 - Relating to creating a database of the firefighting equipment in the state available for use in responding to wildfires. SB 868 - Relating to the allocation of money appropriated to the rural volunteer fire department assistance program SB 886 - Relating to the production, sale, and use of certain agricultural products containing perfluoroalkyl and polyfluoroalkyl substances (PFAS); creating a criminal offense SB 1035 - Relating to equitable relief from the enforcement of certain governmental requirements that affect agricultural operations.   House Bills HB 27 - Relating to a groundwater study of certain aquifers underlying the territory of the Trinity Valley Groundwater Conservation District by the Texas Water Developement Board before the issuance of permits or permit amendments by the district.  HB 43 - Relating to the Texas Agricultural Finance Authority and certain programs administered by the authority.  (Also see article written on this bill by Kody Bessent) HB 49 - Relating to the treatment and beneficial use of fluid oil and gas waste and related material, including a limitation on liability for that treatment or use. HB 99 - Relating to the repeal of or limitations on certain state and local taxes, including school district maintenance and operations ad valorem taxes, the enactment of state and local value added taxes, related school finance reform, and directing the comptroller to identify alternatives to local ad valorem taxes; imposing taxes. HB 143- Relating to the authority of the Railroad Commission of Texas and the Public Utility Commission of Texas to address a failure by an operator to maintain an electrical power line serving a well site or certain surface facilities in accordance with the National Electrical Code. HB 144 - Relating to plans for the management and inspection of distribution poles. HB 145 - Relating to risk mitigation planning and associated liability for providers of electric service; providing an administrative penalty. HB 1244 - Relating to the eligibility of land to continue to be appraised for ad valorem tax purposes as qualified open-space land following a transfer to a person who uses the land in materially the same way as the former owner and to late applications for such appraisal filed by the new owner of the land. HB 1399 - Relating to an exemption from ad valorem taxation of tangible personal property consisting of animal feed held by the owner of the property for sale at retail. HB 1592 - Relating to an alert system for dangerous plant and wildlife pests and diseases administered by the Texas A&M AgriLife Extension Service. HB 1633 - Relating to the criteria considered by groundwater conservation districts before granting or denying a permit or permit amendment. HB 1674 - Relating to the production, sale, and use of certain agricultural products containing perfluoroalkyl and polyfluoroalkyl substances (PFAS); creating a criminal offense. HB 2018 - Relating to the Texas Farm and Ranch Lands Conservation Program. HB 4163  - Realting to the applicability fo certain city requirements to agricultural operations (under Texas Right to Farm Act) HB 5560 - Relating to penalties in certain suits involving a groundwater conservation district; increasing a penalty. Bert's BBQ  Cooper's BBQ   Podcast Sponsors Capital Farm Credit,  AgTrust Farm Credit, Texas Corn Producers, Braun & Gresham, Plains Land Bank, Plateau Land & Wildlife Management, AgTexas, and Texas Farm Bureau

How might Oregon's new laws restricting private equity in healthcare operations affect regulations in other states, and what should investors and healthcare providers know about them? In the debut edition of Committed Capital's PE Rx series examining the intersection of PE and healthcare, Dechert partners Markus Bolsinger and Jennifer Hutchens unpack the history and impact of Oregon's SB 951 and HB 3410, including their practical implications for PE sponsors and management service organizations, the state's evolving stance on the corporate practice of medicine and much more. Show Notes"Healthcare Private Equity Soon to Face Significant Hurdles in Oregon," Dechert OnPoint (June 10, 2025)"New Oregon Law Leads Nation in Restricting Healthcare Investment," Dechert OnPoint (June 26, 2025)

Zürich plant autofreie Zone am HB, das neue Blatten soll in vier Jahren gebaut sein, Maienfeld empfängt Schwingerkönig Orlik

The signing of HB 117 by Florida Governor Ron DeSantis marks a significant development in the quest for transparency and justice concerning Jeffrey Epstein's criminal activities. The legislation, effective from July 1, 2024, permits the release of grand jury documents under specific conditions: if the subject of the inquiry is deceased, the investigation involved sexual activity with minors, the testimony was previously disclosed by court order, and the state attorney is notified​ ​In 2006, the Palm Beach Police Department investigated Jeffrey Epstein for his abuse of underage girls. Despite evidence and a strong case for multiple felony charges, the State Attorney's office chose to present the case to a grand jury rather than pursuing direct charges. This decision resulted in sealed grand jury testimonies, protecting the details of Epstein's actions and those involved from public scrutiny​ Governor DeSantis emphasized the necessity of public knowledge regarding Epstein's case, stating that wealth and status should not shield individuals from justice. The release of these documents aims to expose those who participated in or enabled Epstein's criminal activities, addressing the long-standing demands for transparency and accountability​Victims of Epstein's abuse, such as Haley Robson, have voiced their support for the legislation, hoping it will bring closure and justice. Robson, who spoke at the signing ceremony, highlighted the pervasive impact of Epstein's crimes and the lenient punishment he received. The release of these documents is seen as a step towards understanding the full scope of Epstein's network and the systemic failures that allowed his activities to persist​.Legislative DetailsKey Provisions of HB 117:Applicability: The legislation applies to cases where the subject of the grand jury inquiry is deceased, the investigation involved sexual activities with minors, and where prior court orders disclosed some of the testimony​ (FLGov)​.Public Disclosure: The law allows for the public release of grand jury documents, ensuring that the details and individuals involved in Epstein's case are brought to light.Implementation: Upon the law taking effect, petitions for the release of the documents can be filed. Governor DeSantis assured that the process would be expedited to avoid unnecessary delays​ (Court TV)​.to contact me:bobbycapucci@protonmail.comsource:Florida judge calls Epstein the "most infamous pedophile in American history" following transcripts release - CBS Miami (cbsnews.com)Become a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

This program features Andrew Owen, Louisville's 9th District Councilman, tackling two topics: (1) Changes to Louisville's elections as a result of passage of HB 388 in the Kentucky General Assembly. Starting in 2026, Mayoral and Metro Council elections will be non-partisan; and (2) How Councilman Owen envisions making housing affordable and plentiful, especially in the city center, so that less people will end up homeless.

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Internationally acclaimed animation director HANS PERK, who had worked on over 65 features, includiing H-B's Once Upon a Forest, Ferngully, Heavy Metal, Asterix), discusses the animation of Hanna-Barbera and his own studio, A. Film L.A.

Organizations today face escalating cyber risks spanning state-sponsored attacks, supply chain compromises, and malicious apps. ShinyHunters' breaches of Salesforce platforms (impacting Google and Farmers Insurance) show how social engineering—like voice phishing—can exploit trusted vendors. Meanwhile, Russian actors (FSB-linked “Static Tundra”) continue to leverage old flaws, such as a seven-year-old Cisco Smart Install bug, to infiltrate U.S. infrastructure. Malicious apps on Google Play (e.g., Joker, Anatsa) reached millions of downloads before removal, proving attackers' success in disguising malware. New technologies bring fresh vectors: Perplexity's Comet browser allowed prompt injection–driven account hijacking, while malicious RDP scanning campaigns exploit timing to maximize credential theft.Responses vary between safeguarding and asserting control. The FTC warns U.S. firms against weakening encryption or enabling censorship under foreign pressure, citing legal liability. By contrast, Russia mandates state-backed apps like MAX Messenger and RuStore, raising surveillance concerns. Microsoft, facing leaks from its bug-sharing program, restricted exploit code access to higher-risk countries. Open-source projects like LibreOffice gain traction as sovereignty tools—privacy-first, telemetry-free, and free of vendor lock-in.AI-powered wearables such as Halo X smart glasses blur lines between utility and surveillance. Their ability to “always listen” and transcribe conversations augments human memory but erodes expectations of privacy. The founders' history with facial recognition raises additional misuse concerns. As AI integrates directly into conversation and daily life, the risks of pervasive recording, ownership disputes, and surveillance intensify.Platforms like Bluesky are strained by conflicting global regulations. Mississippi's HB 1126 requires universal age verification, fines for violations, and parental consent for minors. Lacking resources for such infrastructure, Bluesky withdrew service from the state. This illustrates the tension between regulatory compliance, resource limits, and preserving open user access.AI adoption is now a competitive imperative. Coinbase pushes aggressive integration, requiring engineers to embrace tools like GitHub Copilot or face dismissal. With one-third of its code already AI-generated, Coinbase aims for 50% by quarter's end, supported by “AI Speed Runs” for knowledge-sharing. Yet, rapid adoption risks employee dissatisfaction and AI-generated security flaws, underscoring the need for strict controls alongside innovation.Breaches at Farmers Insurance (1.1M customers exposed) and Google via Salesforce illustrate the scale of third-party risk. Attackers exploit trusted platforms and human error, compromising data across multiple organizations at once. This shows security depends not only on internal defenses but on continuous vendor vetting and monitoring.Governments often demand access that undermines encryption, privacy, and transparency. The FTC warns that backdoors or secret concessions—such as the UK's (later retracted) request for Apple to weaken iCloud—violate user trust and U.S. law. Meanwhile, Russia's mandatory domestic apps exemplify sovereignty used for surveillance. Companies face a global tug-of-war between privacy, compliance, and open internet principles.Exploited legacy flaws prove that vulnerabilities never expire. Cisco's years-old Smart Install bug, still unpatched in many systems, allows surveillance of critical U.S. sectors. Persistent RDP scanning further highlights attackers' patience and scale. The lesson is clear: proactive patching, continuous updates, and rigorous audits are essential. Cybersecurity demands ongoing vigilance against both emerging and legacy threats.

Send us a textIn this episode of CashColorCannabis, we sit down with Dr. Jasmine Clark, candidate for Georgia's 13th Congressional District, to talk about her groundbreaking HB 649—better known as the “I Smell Weed” bill—and why it matters for cannabis justice.We dive into the recent case involving GloRilla and how her arrest highlights the same issues Dr. Clark is fighting to address. She also shares why this election is critical, what she brings to the table as a leader, and how communities can get engaged and show up at the polls.Tap in for a conversation at the intersection of cannabis, culture, and politics—and hear directly from Dr. Clark on why she believes she's the best candidate to represent Georgia's 13th.When it comes to wellness, quality matters. High-There delivers Delta-8, THCa, flower, and more—all crafted with care and transparency. Whether you're shopping for relaxation, focus, or just something to elevate your vibe, High-There has products you can trust.Browse their full collection and see why so many people choose High-There. Visit high-there.co today. Support the show

SLP malpractice insurance without ASHA Membership (or the CCC), fact or fiction? In this Fix SLP Summer School episode, Dr. Jeanette Benigas, SLP, and Preston Lewis, MS/SLP, discuss affordable liability coverage options for licensed SLPs who choose not to maintain ASHA membership or the CCC. They explain the ProLiability/AMBA partnership, why it's not your only option, what policies and riders are important (malpractice, general liability, E&O, license defense), and how to shop smart for rates that fit your risk and setting.Plus: our first sponsor, ⭐️ Remedy ⭐️, an EMR built by SLPs, offering early access with 50% off your first two months. Check them out! PLUS, a quick Michigan update: Health Policy Committee vote scheduled for HB 4484.New here? Subscribe, share with a colleague, and call the Minivan Meltdown line at fixslp.com to add your voice.

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Show 15-34 Summary: Oregon Democrats are at it again. This week, it's about prepping for the big special session coming up Friday, August 29th, to stop the Democrats from trying to ram through a massive tax increase disguised as ODOT funding in HB 2025. But is the ODOT tax increase really necessary? We talk with … Read More Read More The post 15-34 Showdown: HB2025 Special Session, ODOT Tax Increase appeared first on The I Spy Radio Show.

Hosts Derek Cohen and Andrew Brown talk with Texas State Representative Stan Gerdes (HD-17) about a variety of policy issues addressed in the 89th Legislature. Tune in for the latest on water policy challenges, the future of nuclear energy, local government transparency, and the new smart device ban in schools. Plus, Rep. Gerdes dishes on representing both the Barbecue Capital of the World (Lockhart) and the home of the legendary Snow's BBQ (Lexington).1:05 - Hot Take: What Should Be a Crime?3:09 - Barbecue Talk: Lockhart vs. Snow's BBQ5:07 - Rep. Gerdes' Political Journey with Gov. Rick Perry10:22 - Water Policy: Challenges and the Vista Ridge Project13:22 - Nuclear Energy: Texas as the Epicenter16:02 - HB 119: Banning Foreign Adversary Lobbying18:17 - HB 1522: Local Government Transparency25:30 - HB 2017: Grayson's Law (Intoxication Manslaughter Penalties)30:51 - HB 4086: Stopping Urban Food Waste Dumping35:02 - Unfinished Business: Local Taxation and Water Issues38:00 - Post-Interview: More Barbecue and Legislative Updates39:32 - News: West Texas A&M Drag Ban Discussion44:14 - News: Cell Phone Ban in Texas Schools50:28 - News: Travis County Bridge Rebuild Success52:49 - Survey Says: National Guard in Washington, D.C.

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Send us a textThe third part of a legislative audit of the Alaska Office of Children's Services (OCS) was made public on June 30, 2025. In 2018 an omnibus bill was signed into law that completely overhauled the way foster care in Alaska should work. That bill -- House Bill 151 -- passed the Alaska State House and the Alaska State Senate unanimously. The completed audit shows that OCS failed to implement most of the required reforms.Les Gara was the 2022 democratic candidate for governor of Alaska. He is a former legislator who served in the Alaska state house from 2003 to 2019. Throughout his time in the legislature he advocated for foster care reform and in 2018 achieved it with House Bill 151. Amanda Metivier is the director of the Alaska Child Welfare Academy at UAA and is the executive director and co-founder of Facing Foster Care in Alaska. She and her husband are foster parents who have provided homes for many youth over the past 15 years.Alaska faces a severe shortage of  licensed foster care parents. To learn more about how to be a foster parent, click here.To volunteer for Big Brothers Big Sisters of Alaska, click here.Link to Part 3 of the audit of OCS.HB 151 SUMMARYLink to previous podcast episode featuring Les Gara & Amanda Metivier

The internet is cracking apart. It's exactly what some politicians want.In June, a Texas law that requires age verification on certain websites withstood a legal challenge brought all the way to the US Supreme Court. It could be a blueprint for how the internet will change very soon.The law, titled HB 1181 and passed in 2023, places new requirements on websites that portray or depict “sexual material harmful to minors.” With the law, the owners or operators of websites that contain images or videos or illustrations or descriptions that “more than one-third of which is sexual material harmful to minors” must now verify the age of their website's visitors, at least in Texas. Similarly, this means that Texas residents visiting adult websites (or websites meeting the “one-third” definition) must now go through some form of online age verification to watch adult content.The law has obvious appeal from some groups, which believe that, similar to how things like alcohol and tobacco are age-restricted in the US, so, too, should there be age restrictions on pornography online.But many digital rights advocates believe that online age verification is different because the current methods used for online age verification could threaten privacy, security, and anonymity online.As Electronic Frontier Foundation, or EFF, wrote in June:“A person who submits identifying information online can never be sure if websites will keep that information or how that information might be used or disclosed. This leaves users highly vulnerable to data breaches and other security harms.”Despite EFF's warnings, this age-restricted reality has already arrived in the UK, where residents are being age-locked out of increasingly more online services because of the country's passage of the Online Safety Act.Today, on the Lock and Code podcast with host David Ruiz, we speak with Jason Kelly, activism director at EFF and co-host of the organization's podcast “How to fix the internet,” about the security and privacy risks of online age verification, why comparisons to age restrictions that are cleared with a physical ID are not accurate, and the creation of what Kelley calls “the grey web,” where more and more websites—even those that are not harmful to minors—get placed behind online age verification models that could collect data, attach it to your real-life identity, and mishandle it in the future.“This is probably the worst thing in my view that has ever happened to our rights online.”Tune in today.You can also find us on Apple Podcasts, Spotify, and whatever preferred podcast platform you use.For all our cybersecurity coverage, visit Malwarebytes Labs at malwarebytes.com/blog.Show notes and credits:Intro Music: “Spellbound” by Kevin MacLeod (incompetech.com)Licensed under Creative...

The Rich Zeoli Show- Hour 4: 6:05pm- State Rep. Briscoe Cain—Texas House of Representative from the 128th District & Chairman of the Texas Freedom Caucus—joins The Rich Zeoli Show to discuss Texas House Democrats fleeing the state to avoid voting on redistricting. Rep. Cain has filed HB 257 to vacate the seat of any legislator who skips seven straight legislative days without an excused absence. He explains: “If you abandon your job, you don't deserve the title.” 6:20pm- During a recent interview, Director of National Intelligence Tulsi Gabbard was asked about UFOs. Has she seen anything proving the existence of aliens??? 6:40pm- REPLAY: Russell Vought—Director of the Office of Management & Budget—joins The Rich Zeoli Show to discuss “200 Days of Winning” with the Trump Administration. What are the Trump Administration's most underappreciated accomplishments so far? Director Vought explains: securing the U.S. Southern border & preventing entrenched bureaucrats from slowing President Donald Trump's agenda.

The Rich Zeoli Show- Full Episode (08/07/2025) 3:05pm- In a post to social media, “comedian” Rosie O'Donnell wrote that ABC is allegedly reviewing progressive bias on The View. O'Donnell warned that the show would soon be canceled to appease “the orange messiah,” Donald Trump. Is it possible the show is in jeopardy of being discontinued because the quality is low? For example, South Park has been aggressively targeting the Trump Administration in its latest episodes—but Paramount recently awarded the show's creators with an estimated $1.5 billion. 3:30pm- Russell Vought—Director of the Office of Management & Budget—joins The Rich Zeoli Show to discuss “200 Days of Winning” with the Trump Administration. What are the Trump Administration's most underappreciated accomplishments so far? Director Vought explains: securing the U.S. Southern border & preventing entrenched bureaucrats from slowing President Donald Trump's agenda. 4:00pm- Dr. Wilfred Reilly—Professor of Political Science at Kentucky State University & Author of “Lies My Liberal Teacher Told Me”—joins The Rich Zeoli Show to discuss 40% of Brown University students claiming they are gay and a CBS host who is worried about moon colonization…because of the awful history of colonialism. Plus, his book is now officially hitting the bestseller list! You can find it here: https://a.co/d/89w7Scz. 4:30pm- National Purple Heart Day: From the White House, President Donald Trump delivered remarks during a ceremony honoring Purple Heart recipients. 4:45pm- While appearing on Fox News, Deputy Chief of Staff for Policy Stephen Miller estimated that because the 2020 census included undocumented migrants living in the U.S. unlawfully, Democrats have an additional 20 to 30 seats in the House of Representatives. 5:00pm- At least fifty-one Texas House Democrats fled the state as part of an effort to deny the Texas House a quorum—effectively preventing a vote on redistricting while also prolonging a vote on providing financial relief for families impacted by last month's devastating floods that killed more than 120 people. In response, Governor Greg Abbott has argued that fleeing the state to prevent the legislative process simply because you don't like the expected outcome of an upcoming vote amounts to an “abandonment or forfeiture of an elected state office.” 5:10pm- While appearing on CNN, political strategist Brad Todd explained that errors with the 2020 census “disproportionately” hurt Republican dominated states. 5:15pm- Democratic Strategist James Carville is now encouraging his party to make Puerto Rico and Washington D.C. states and add four seats to the Supreme Court if they take control of the House, Senate, and White House in 2028. 5:30pm- Chris Cuomo was tricked by perhaps the most obvious deep fake video of Rep. Alexandria Ocasio Cortez in recent memory—and didn't realize it for nearly 3 hours! Are we actually on Team AOC here? 5:40pm- Dr. Victoria Coates— Former Deputy National Security Advisor & the Vice President of the Davis Institute for National Security and Foreign Policy at The Heritage Foundation—joins The Rich Zeoli Show to discuss Donald Trump potentially meeting with Vladimir Putin to negotiate an end to the Russia-Ukraine war. Dr. Coates is the author of the book: “The Battle for the Jewish State: How Israel—and America—Can Win.” 6:05pm- State Rep. Briscoe Cain—Texas House of Representative from the 128th District & Chairman of the Texas Freedom Caucus—joins The Rich Zeoli Show to discuss Texas House Democrats fleeing the state to avoid voting on redistricting. Rep. Cain has filed HB 257 to vacate the seat of any legislator who skips seven straight legislative days without an excused absence. He explains: “If you abandon your job, you don't deserve the title.” 6:20pm- During a recent interview, Director of National Intelligence Tulsi Gabbard was asked about UFOs. Has she seen anything proving the existence of aliens??? 6:40pm- REPLAY: Russ ...

Two new laws that passed in the Oregon Legislature are pushing the state toward what other countries have done to address housing: state-level zoning laws. As Sightline Institute reports, HB 2258 and HB 2138 seem to give the state much more authority and the power to override local zoning codes. Oregon has been making changes to zoning laws since 2017, and this new approach follows countries such as Japan and Australia. Micheal Andersen is the director of Cities and Towns at Sightline Institute. He joins us to share more on what these new laws could mean for the future of home development in the state.

OA1175 - How much of a restriction on your First Amendment rights is it to have to upload an ID to access an adult website? That is the question at the heart of Free Speech Coalition v. Paxton, the Supreme Court's recent review of age verification laws such as Texas's HB 1181. Matt explains how this newly precedential application of intermediate scrutiny to these kinds of restrictions on adult content could have real implications for the future of other kinds of unpopular speech. Then for more context we welcome Zeve Sanderson, the Executive Director of the NYU Center for Social Media & Politics. Zeve and a team of other researchers have recently published the leading findings on the actual effects of age verification on browsing habits, which he takes us through while also explaining some possibly less-restrictive alternatives to current verification methods. U.S. Supreme Court's decision in Free Speech Coalition v. Paxton (6/27/2025) Audio of Free Speech Coalition v. Paxton SCOTUS oral arguments (1/15/2025) Do Age Verification Bills Change Search Behavior? A Pre-Registered Registered Synthetic Control Multiverse, David Lang Benjamin Listyg† Brennah V. Ross‡ Anna V. Musquera Zeve Sanderson (March 2024) Zeve Sanderson's website

Keith highlights the decline in college town real estate due to demographic changes and reduced international student enrollment.  The national housing market is moving towards balance, with 4.6 months of resale supply and 9.8 months of new build supply.  Commercial real expert and fellow podcast host, Hannah Hammond, joins Keith to discuss how the state of the real estate market is facing a $1 trillion debt reset in 2025, potentially causing distress and foreclosures, particularly in the Sun Belt states.  Resources: Follow Hannah on Instagram  Show Notes: GetRichEducation.com/563 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.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, are college towns doomed. There's a noticeably higher supply of real estate on the market. Today is get rich education. America's number one real estate investing show. Then how much worse will the Apartment Building Loan implosions get today? On get rich education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key 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  1:12   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  1:28   Welcome to GRE from Orchard Park, New York to port orchard, Washington and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. How most people set up their life is that they have a job or an income producing activity, and they put that first, then they try to build whatever life they have left around that job. Instead, you are in control of your life when you first ask yourself, what kind of lifestyle Am I trying to build? And then you determine your job based on that. That is lifestyle design, and that is financial freedom, most people, including me, at one time. And probably you get that wrong and put the job first. And then we need to reverse it once you realize that, you discover that you found yourself so far out of position that you try to find your way back by putting your own freedom, autonomy and free agency first. There you are lying on the ground, supine, feeling overwhelmed, asking yourself why you didn't put yourself first. Then what I'm helping you do here is get up and change that by moving your active income over to relatively passive income, and doing it through the most generationally proven vehicle of them all, real estate investing for income. We are not talking about a strategy that didn't exist three years ago and won't exist three years from now. It is proven over time, and there's nothing avant garde or esoteric here, and you can find yourself in a financially free position within five years of starting to gradually shift that active income over to passive income.    Keith Weinhold  3:29   Now, when it comes to today's era of long term real estate investing, we are in the midst of a real estate market that I would describe as slow and flat. Both home price appreciation and rent growth are slow. Overall real estate sales volume is still suppressed. It that sales volume had its recent peak of six and a half million homes moved in 2021 which was a wild market, it was too brisk and annual sales volume is down to just 4 million. Today, more inventory is accumulating, which is both a good news and a bad news story. I'm going to get to this state of the overall market shortly. First, let's discuss real estate market niches, a particular niche, because two weeks ago, I discussed the short term rental arms race. Last week, beach towns and this week, in the third of three installments of real estate market niches are college towns doomed? Does it still make sense to invest in college town real estate? Perhaps a year ago on the show, you'll remember that I informed you that a college closes every single week in the United States. Gosh, universities face an increasingly tough demographic backdrop ahead. We know more and more people get a free education. Education online. Up until now, universities have tapped a growing high school age population in this seemingly bottomless well of international students wanting to study in the US. But America's largest ever birth cohort, which was 4.3 million in 2007 is now waning. Yeah, that's how many Americans were born in 2007 and that was the all time record birth year. Well, all those people turn 18 years old this year. This, therefore, is an unavoidable decline in the pool of potential incoming college freshmen from the United States. And on top of that, the real potential of fewer international students coming to the US to study adds to the concern for colleges. This is due to the effects and the wishes of the Trump administration. It already feels like a depression in some college towns now among metro areas that are especially reliant on higher education, three quarters of them suffered weaker economic growth over the past 12 years than the US has as a whole. That's according to a study at Brookings Metro. They're a non profit think tank in DC, all right, and in the prior decade, all right, previous to that, most of those same metros grew faster than the nation did. If this was really interesting, a recent Wall Street Journal article focused on Western Illinois University in McComb Illinois as being symbolic of this trend, where an empty dorm that once held 800 students has now been converted to a police training ground, it's totally different, where there are active shooter drills and all this overturned furniture rubber tipped bullets and paintball casings, you've got to repurpose some of these old dorms. Nearby dorms have been flattened and they're now weedy fields. Two more dorms are set to close this summer. Frat houses and homes once filled with student renters are now empty lots city streets used to be so crowded during the semester that cars moved at a crawl. That's not happening anymore. It's almost like you're watching the town die, said a resident who was born in Macomb and worked 28 years for the Western Illinois Campus Police Department. Macomb, Illinois is at the heart of a new rust belt across the US colleges are faltering, and so are the once booming towns and economies around them. Enrollment is down at a lot of the nation's public colleges and universities starting next year due to demographics like I mentioned, there will be fewer high school graduates for the foreseeable future, and the fallout extends to downtown McComb. It's punishing local businesses. There's this multiplier effect that's diminishing. It's not multiplying for generations. Colleges around the US fueled local economies, created jobs and brought in students and their visiting families to shop and spend and growing student enrollment fattened school budgets, and that used to free universities from having to worry about inefficiencies or cutting costs. But the student boom has ended, and college towns are suffering. And what are some of the other reasons for these doomed college towns? Well, first, a lot of Americans stopped having babies after the global financial crisis, you've got a strong dollar and an anti foreigner administration that's likely to push international student numbers down on top of this, and then, thirdly, US students are more skeptical of incurring these large amounts of debt for college and then, universities have been increasing administrative costs and tuition above the rate of inflation, and they've been doing that for decades. Tuition and operating costs are detached from reality, and in some places, student housing is still being built like the gravy train is not going to end. I don't see how this ends well for many of these universities or for student housing, so you've really got to think deeply about investing in college town housing anymore. Where I went to college, in Pennsylvania, that university is still open, but their enrollment numbers are down, and they've already closed and consolidated a number of their outlying branch campuses. Now it's important notice that I'm focused on college towns, okay, I'm talking about generally, these small. Smaller, outlying places that are highly dependent on colleges for their vibrancy. By the way, Pennsylvania has a ton of them, all these little colleges, where it seems like every highway exit has the name of some university on it. That is starting to change now.    Keith Weinhold  10:21   Conversely, take a big city like Philadelphia that has a ton of colleges, Temple University, Penn, which is the Ivy League school, St Joseph's, Drexel LaSalle, Bryn Mawr, Thomas Jefferson, Villanova. All these colleges are in the Philly Metro, and some of them are pretty big. Well, you can be better off investing in a Philly because Philly is huge, 6 million people in the metro, and there's plenty of other activity there that can absorb any decline in college enrollment. So understand it's the smaller college town that's in big trouble. And I do like to answer the question directly, are college towns doomed? Yes, some are. And perhaps a better overall answer than saying that college towns are doomed, is college towns have peaked. They've hit their peak and are going down.    Keith Weinhold  11:23   Let's talk about the direction of the overall housing market now, including some lessons where, even if you're listening 10 years from now, you're going to gain some key learning. So we look at the national housing market. There is finally some buyer selection again, resale housing supply is growing. I'm talking overall now, not about the college towns. Back in 2022, nearly every major metro could be considered not just a seller's market, but a strong seller's market. And it was too much. It was wild. Three years ago, buyers had to, oftentimes offer more than the asking price, pay all cash. Buyers had to waive contingencies, forgo inspections, and they had to compete with dozens of bidders. I mean, even if you got a home inspection, you pray that the home inspector didn't find anything worse than like charming vintage wiring, because you might have been afraid to ask for some repairs of the seller, and that's because the market was so hot and competitive that you might lose the deal. Fast forward to today, and fewer markets Hold that strong seller's market status. More metros have adequate inventory. And if you're one of our newsletter subscribers, you saw that last week, I sent you a great set of maps that show this. As you probably know, six months of housing supply is deemed as the balance point between buyers and sellers over six months favors buyers under six favors sellers. All right, so let's see where we are now. And by the way, months of housing supply, that phrase is also known as the absorption rate nationally, 4.6 months of resale supply exists. That's the current level, 4.6 months per the NAR now it bottomed out at a frighteningly low one and a half months of supply back in 2022 and it peaked at 12 full months of supply during the global financial crisis, back in 2010 All right, so these are the amounts of resale housing supply available for sale, and we overbuilt homes back in the global financial crisis, everyday people owned multiple homes 15 years ago because virtually anyone could qualify for a loan with those irresponsible lending standards that existed back in that era. I mean, back then, buyers defaulted on payments and walked away from homes and because they had zero down payment in the home. Well, they had zero skin in the game to protect and again, that peaked at 12 months of supply. Now today, Texas and Florida have temporarily overbuilt pockets that are higher than this 4.6 month national number and of course, we have a lot of markets in the Northeast and Midwest that have less than this supply. But note that 4.6 months is still under six months of supply, still favoring sellers just a little, but today's 4.6 months. I mean, that's getting pretty close to historic norms, close to balance. All right, so where is the best buyer opportunity today? Well, understand that. So far, have you picked up on. This we've looked at existing housing supply levels here, also known as resale homes. The opportunity is in new build homes. What's the supply of new construction homes in the US? And understand for perspective that right now, new build homes comprise about 1/3 of the available housing supply. And this might surprise you, we are now up to 9.8 months of new build housing supply, and that's a number that's risen for two years. That's per the Census Bureau and HUD. A lot of builders, therefore, are getting desperate right now, builders have got to sell. The reason that they're willing to cut you a deal is that, see, builders are paying interest costs and maintenance costs every single day on these nice, brand new homes that are just languishing, just sitting there. Understand something builders don't get the benefit of using a home. Unlike the seller family of a resale or existing home, see that family that has a resale home on the market, they get the benefit of living in it while it's on the market. This 9.8 months of new build supply is why buyers are willing to cut you a deal right now, including builders that we work with here at GRE marketplace.    Keith Weinhold  16:30   And we're going to talk to a builder on the show next week and get them to tell us how desperate they are. In fact, it's a Florida builder, and we'll learn about the incentives that they're willing to cut you they're building in one of these oversupplied pockets. So bottom line is that overall, an increasing US housing supply should keep home prices moderating. They're currently up just one to 2% nationally, and more supply means better options for you. Hey, let's talk about this very show that you're listening to, the get rich education podcast. What do you like to do while you're listening to the show? In fact, what are you doing right now while you're listening to the show? Well, in a recent Instagram poll, we asked our audience that very question you told us while listening to the show, 50% of you are commuting, 20% are exercising, 20% are at work, and 10% are doing home chores like cleaning or dishes. Now is this show the number one real estate investing podcast in the United States, we asked chatgpt that very question, and here's how they answered. They said, Excellent question. Real estate investing podcasts have exploded over the past 10 to 12 years, but only a handful have true long term staying power. Here's a list of some of the longest running, consistently active real estate investing podcasts that have built serious legacies. And you know something, we are not number one based on those criteria. This show is ranked number two in the nation. Number one are our friends at the real estate guys radio show hosted by Robert Helms. How many times have I recommended that you go ahead and give them a listen? Of course, I'm just freshly coming off spending nine days with them as one of the faculty members on their summit at sea. Their show started in 1997Yes, on actual radio, before podcasts even existed, and chat GPT goes on to say that they're one of the OGS in the space. It focuses on market cycles, investing strategies and wealth building principles known for its international investor perspective and high profile guests like Robert Kiyosaki. All right, that's what it says about that show. And then rank number two is get rich. Education with me started in 2014 and it goes on to say that this is what the show's about. It says it's real estate centric with a macroeconomic and financial freedom philosophy. It focuses on buy and hold investing, inflation, debt strategy and wealth building. Yeah, that's what it says. And I'd say that's about right? And this next thing is interesting. It describes the host of the show, me as communicating with you in a way that's clear, calm and slightly academic. That's what it says. And yeah, you've got to be clear. Today. There's so much competing for your attention that if I'm not clear with you, then I'm not able to help you calm. Okay? I guess I remain calm. And then finally, slightly academic. I. Hadn't thought about that before. Do you think that I'm slightly academic in my delivery? I guess that's possible. It's appropriate for a show with the word education in our name. I guess it makes sense that I'd be slightly academic. So that fits. I wouldn't want to be heavily academic or just academic, because that could get unrelatable. So there's your answer. The number two show in the nation for real estate investing.    Keith Weinhold  20:29   How are things going with your rental properties? Anyway, I had something interesting happen to me here these past few months. Now I have a property manager in one market that manages quite a few of my properties, all these single family homes and I had five perfect months consecutively as a real estate investor. A perfect month means when you have 100% occupancy, 100% rent collection, and zero maintenance or repair costs. Well, this condition went on for five months with every property that they managed. For me, which is great, profitable news, but that's so unusual to have a streak like that, it kind of makes you wonder if something's going wrong. But the streak just ended. Finally, there was a $400 expense on one of these single family homes. Well, this morning, the manager emailed me about something else. One of my tenants leases expires at the end of next month. I mean, that's typical. This is happening all the time with some property, but they suggested raising the rent from $1,700 up to 1725, and I rarely object to what the property manager suggests. I mean, after all, they are the expert in that local market. That's only about a one and a half percent rent increase, kind of slow there. But again, we're in this era where neither home price growth nor rent growth have been exceptional.    Keith Weinhold  22:02   I am in upstate Pennsylvania today. This is where I'm from. I'm here for my high school class reunion. And, you know, it's funny, the most interesting people to talk to are usually the people that have moved away from this tiny town in Appalachia, counter sport, Pennsylvania, it's not the classmates that stayed and stuck around there in general are less interesting. And yes, this means I am sleeping in my parents home all week. I know I've shared with you before that Curt and Penny Weinhold have lived in the same home and have had the same phone number since 1974 and I sleep in the same bedroom that I've slept in since I was an infant every time that I visit them. Kind of heartwarming. In a few days, I'm going to do a tour of America's first and oldest pretzel bakery in Lititz, Pennsylvania with my aunts and uncles to review what you've learned so far today, put your life first and then build your income producing activity around that. Many college towns are demographically doomed, and even more, have peaked and are on their way down. Overall American residential real estate supply is up. We're now closer to a balanced market than a seller's market. We've discussed the distress in the five plus unit apartment building space owners and syndicators started having their deals blow up, beginning in 2022 when interest rates spiked on those short term and balloon loans that are synonymous with apartment buildings. When we talked to Ken McElroy about it a few weeks ago on the show, he said that the pain still is not over for apartment building owners.   Keith Weinhold  23:51   coming up next, we'll talk about it from a different side, as I'll interview a commercial real estate lender and get her insights. I'll ask her just how bad it will get. And this guest is rather interesting. She's just 29 years old, really bright and articulate, and she founded her own commercial real estate lending firm. She and I recorded this on a cruise ship while we're on the real estate guys Investor Summit at sea a few weeks ago. So you will hear some background noise, you'll get to meet her next I'm Keith Weinhold. There will only ever be one. Get rich education podcast episode 563 and you're listening to it.    Keith Weinhold  24:31   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS 42056, they provided our listeners with more loans than anyone because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lendinggroup.com that. Ridge lendinggroup.com, you know what's crazy?    Keith Weinhold  25:03   Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66 866, to learn about freedom family investments, liquidity fund, again, text family to 66866   Caeli Ridge  26:13   this is Ridge lending group's president, Caeli Ridge. Listen to get rich education with key blind holes. And remember, don't quit your Daydream.   Keith Weinhold  26:31   Hey, Governor, education nation, Keith Weinhold, here we're on a summit for real estate on a cruise ship, and I'm with Hannah Hammond. She's the founder of HB capital, a commercial real estate lending firm, and the effervescent host of the Hannah Hammond show. Hey, it's great to chat   Hannah Hammond  26:48   you too. It's been so great to get to know you on this ship, and it's been a lot of fun,    Keith Weinhold  26:51   and we just met at this conference for the first time. Hannah just gave a great, well received presentation on the state of the commercial real estate market. And the most interesting thing, and the thing everyone really wants to know since she lends for five plus unit apartment buildings as well, is about the commercial real estate interest rate resets. Apartment Building values have fallen about 30% nationwide, and that is due to these resetting loans. So tell us about that.   Hannah Hammond  27:19   Yeah, so there is a tidal wave of commercial real estate debt coming due in 2025 some of that has already come due, and we've been seeing a lot of the distressed assets start to hit the market in various asset classes, from multifamily, industrial, retail and beyond. And then, as we continue through 2025 more of that title, weight of debt is going to continue to come due, which is estimated to be around $1 trillion of debt.    Keith Weinhold  27:44   That's huge. I mean, that is a true tidal wave. So just to pull back really simply, we're talking about maybe an apartment building owner that almost five years ago might have gotten an interest rate at, say, 4% and in today's higher interest rate environment that's due to reset to a higher rate and kill their cash flow and take them out of business. Tell us about that.   Hannah Hammond  28:03   Yeah. So a lot of investors got caught up a few years ago when rates were really low, and they bought these assets at very low cap rates, which means very high prices, and they projected, maybe over projected, continuous rent growth, like double digit rent growth, which many markets were seeing a few years back, and that rent growth has actually slowed down tremendously. And so much supply hit the market at the same time, because so much construction was developed a few years back. And so now there's a challenge, because rents have actually dropped. There's an overage of supply. Rates have doubled. You know, people were getting apartment complexes and other assets in the two or 3% interest rate range. Now it's closer to the six to 7% interest rate range, which we all know it just doesn't really make numbers work. Every 1% increase in interest you'd have to have about a 10% drop in value for that monthly payment to be the same. So that's why we're seeing a lot of distress in this market right now, which is bad for the people that are caught up on it, but it's good for those who can have the capital to re enter the market at a lower basis and be able to weather this storm and ride the wave back up   Keith Weinhold  29:08   income down, expenses up. Not a very profitable formula. Let's talk more about from this point. How bad can it get? We talked about 1 trillion in loans coming due this calendar year tell us about how bad it might be.    Hannah Hammond  29:23   So it's estimated that potentially 25% of that $1 trillion could be in potential distress. And of course, if two $50 billion of commercial real estate hit foreclosure all at the same time, that would be pretty catastrophic, and there would be a massive supply hitting the market, and therefore a massive reduction in property values and prices. And so a lot of lenders have been trying to mitigate the risk of this happening, and all of this distress debt hit the market at one time. And so lenders have been doing loan modifications and loan extensions and the extend and pretend, quote. Has been in play since back in 2025 but a lot of those extensions are coming due. That's why we're feeling a little bit more of a slower bleed in the commercial market. But you know, in the residential market, we're not seeing as much distress, because so many people have those fixed 30 year rates. But in commercial real estate, rates are generally not fixed for that long. They're more they could be floating get or they might only be fixed for five years, and then they've reset. And that's what we're seeing now, is a lot of those assets that were bought within the last five years have those rate caps expiring, and then the rates are jacking it up to six to 7% and the numbers just don't make sense anymore.   Keith Weinhold  30:36   That one to four unit space single family homes up fourplexes has stayed relatively stable. We're talking about that distress and the five plus unit multi family apartment space. So Hannah, when we pull back and we look at the lender risk appetite and the propensity to lend and to want to make loans, of course, that environment changes over time. I know that all of us here at the summit, we learn from you in your presentation that that can vary by region in the loan to value ratio and the other terms that they're talking about giving. So tell us about some of the regional variation. Where do people want to lend and where do people want to avoid making loans   Hannah Hammond  31:11   Exactly? And we were talking about this is every single region is so different, and there's even micro markets within certain cities and metropolitan areas, and the growth corridors could have a very different outlook and performance than even in the overexposed metro areas. So lenders really pay attention to where the capital is flowing to. And right now, if you look at u haul reports and cell phone data, capital is flowing mostly to the Sun Belt states, and it's leaving the Rust Belt states. So this is your southeast states, your Texas, Florida, Arizona, and these types of regions where a lot of people are leaving some of the Rust Belt states like San Francisco, Chicago, New York, where those markets are being really dragged down by all this office drag from all the default rates in these office buildings that have continued to accumulate post COVID. So the lender appetite is going to shift Market to Market, and they really pay attention to the asset class and also the region in which that asset class is located. And this can affect the LTV, the amount of money that they're going to lend based on the value of the property, also the interest rate and the DSCR ratios, which is how much above the debt coverage the income has to be for the lender to lend on that asset.    Keith Weinhold  32:26   So we're talking about lenders more willing to make loans in places where the population is moving to Florida, other markets in the Southeast Texas, Arizona. Is that what we're talking about here.   Hannah Hammond  32:37   exactly, and even on the equity side, because we help with equity, like JV equity or CO GP equity, on these development projects or value add projects. And a lot of my equity investors, they're like, Nah, not interested in that state. But if it's in a really good Sunbelt type market, then they have a better appetite to lend in those markets.   Keith Weinhold  32:56   Was there any last thing that we should know about the lending environment? Something that impacts the viewers here, maybe something I didn't think about asking you?   Hannah Hammond  33:04   I mean, credit is tight, but there's tons of opportunity. Deals are still happening. Cre originations are actually up in 2025 and projected to land quite a bit higher in 2025 at about 660, 5 billion in originations, versus 539 billion in 2024 so the good news is, deals are happening, movements are happening, purchases and sales are happening. And we need movement to have this market continue to be strong and take place, even though, unfortunately, some investors are going to be stuck in that default debt and they might lose on these properties, it's going to give an opportunity for a lot of other investors who have been kind of sitting on the sidelines, saving up capital and aligning their capital to be able to take advantage of these great deals. Because honestly, we all know it's been really hard to make deals pencil over the past few years, and now with some of this reset, it's going to be a little bit easier to make them pencil.    Keith Weinhold  33:04   This is great. Loans are leverage, compound leverage, trunks, compound interest, leverage and loans are really key to you making more of yourself. Anna, if someone wants to learn more about following you and what you do, what's the best way for them to do that?    Hannah Hammond  33:42   At Hannah B Hammond on Instagram, my show, the Hannah Hammond show, is also on all platforms, YouTube, Instagram, Spotify, Apple, and if you shoot me a follow and a message on Instagram, I will personally respond to and would love to stay connected and help with any questions you have in the commercial real estate market.    Keith Weinhold  34:27   Hannah's got a great presence, and she's great in person too. Go ahead and be sure to give her a follow. We'll see you next time. Thank you.   Keith Weinhold  34:40   Yeah. Sharp insight from Hannah Hammond, there $1 trillion in commercial real estate debt comes due this year. A quarter of that amount, $250 billion is estimated to be in distress or default. This could keep the values of larger apartment buildings suppressed. Even longer, as far as where today's opportunity is, next week on the show, we'll talk to a home builder in Florida, ground zero for an overbuilt market, and we'll see if we can sense the palpable desperation that they have to move their properties and what kind of deals they're giving buyers. Now until next week, I'm your host, Keith Weinhold, do the right thing before you do things right out there, and don't quit your Daydream.   Speaker 3  35:33   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  35:56   You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866,   Keith Weinhold  37:12   The preceding program was brought to you by your home for wealth, building, getricheducation.com.