Podcasts about Housing

On the day of his inauguration, mayor Zohran Mamdani began his tenure with a press conference in a Flatbush building lobby. David Brand, housing reporter for WNYC and Gothamist, recaps all of the latest housing news coming out of the Mamdani administration including his executive orders, latest appointees, and more.

(January 06,2025) 40 million Californians just got a permanent delete button for their personal data on the internet. ‘Giving up’ on homeownership leads to riskier investment and less effort at work study says. GPS systems are vulnerable to jamming attacks that could devastate out economy. KFI investigative reporter Michael Monks joins the show to preview his KFI Special airing tomorrow, L.A Fires: One Year Later. See omnystudio.com/listener for privacy information.

Southwestern Oregon just made HISTORY — winning the first NWAC Women's Cross Country Championship in school history… and they did it with five freshmen scorers. In Airey Bros Radio Ep. 426, we go live with the architect behind the Lakers' rise: Coach Steve Delgado (SWOCC). We talk NWAC vs NJCAA, why JUCO is one of the best pathways in college running right now, and how a program goes from non-scoring to championship culture in a hurry. We also dive into the legend and lore of Coos Bay, Oregon — home of Steve Prefontaine — plus the behind-the-scenes coaching habits that actually build alignment: recruiting truth, standards, team connection, and Coach Delgado's best advice of the night: “Lean into conflict.” (Culture doesn't happen by accident.) ✅ Topics Covered:SWOCC's jump from last place energy to NWAC ChampionsWhat a true “champion experience” means at the JUCO levelTaylor Dickey & Lydia Montes De Oca going 1–2 and gapping the fieldMen's program podium finish — best since 1970Recruiting, affordability, housing, and why the JUCO path is boomingTraining philosophy, thresholds, and building the “better humans” mentality☕ Fueled by Black Sheep Endurance Coaching blacksheependurance.com/

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower?Robert: If I find out something isn't quite optimized from a building science perspective, I can't just leave it.Affordable housing has become one of the most pressing challenges in cities across the United States, and Chicago is no exception. With a housing shortage driving up prices, Robert Linn, Principal of Point B Properties, is taking an innovative approach to address the crisis while also prioritizing sustainability and health.In today's episode, Robert shared insights into his latest project—a conversion of a two-flat building into a three-flat under Chicago's ADU ordinance. This ordinance allows developers to add units to existing buildings, increasing the housing supply without tearing down older structures. “Chicago right now has a massive undersupply of multifamily housing,” Robert explained. “What we're doing by going in and taking this two-flat and making it a three-flat is helping keep that supply up. As anyone with kind of a basic knowledge of supply and demand knows, if we keep increasing supply, then prices are going to come down.”But Robert's work goes far beyond simply adding more units. He's also focused on making homes healthier and more energy-efficient. For instance, he uses energy recovery ventilators (ERVs) in his projects to improve indoor air quality while conserving energy. “A big focus for me, I would consider an easy win, is air quality,” he said. “We make sure that we pay really good attention to how the property is sealed and then invest extra in ventilation.”Robert also highlighted the importance of proper insulation to prevent issues like mold, which can develop when warm, humid air condenses inside walls. “You could build a building with zero insulation, and no one would be the wiser until your walls are really cold,” he noted. His commitment to detail ensures that his buildings are not only comfortable but also environmentally friendly and cost-effective for residents.What makes this project even more exciting is its funding model. Robert is raising capital through Small Change, a regulated investment crowdfunding platform that allows ordinary people to invest in impact-driven real estate projects. “It's nice to have something more formal to offer to the public in a really structured way,” Robert said, emphasizing the democratizing power of crowdfunding.By blending affordability, sustainability, and healthy living, Robert's work exemplifies how developers can meet critical housing needs while addressing broader challenges like climate change. I encourage you to visit Small Change to learn more about his inspiring Richmond Revival project. Together, we can support initiatives that make a real difference in our communities.tl;dr:Robert Linn's latest project converts a two-flat Chicago building into a three-flat under the ADU ordinance.Robert prioritizes healthy, energy-efficient housing using techniques like proper insulation and energy recovery ventilators.Chicago's housing shortage drives Robert's mission to preserve and expand affordable multifamily housing.He's raising funds for the Richmond Revival project via Small Change, democratizing investment opportunities.Robert's superpower, “constructive discontent,” pushes him to improve housing quality and solve problems creatively.How to Develop Constructive Discontent As a SuperpowerRobert described his superpower as “constructive discontent,” explaining how his refusal to accept subpar solutions drives him to continuously improve his projects. “If I find out something isn't quite optimized from a building science perspective, I can't just leave it,” he said. This mindset leads him to prioritize details like air quality, proper insulation, and energy efficiency, ensuring that the homes he develops are healthier, more sustainable, and more affordable for residents.During today's episode, Robert shared an example of how he used his constructive discontent to improve window installation on his latest project. When his general contractor dismissed best practices as “too complicated,” Robert took matters into his own hands by assigning the task to his crew. He provided them with a video outlining proper installation techniques, ensuring that the windows met his exacting standards. This hands-on approach reflects Robert's commitment to excellence, even when it means going the extra mile.Tips for Developing Constructive Discontent:Don't normalize annoyance—identify things that could be better and explore ways to improve them.Invest in tools or resources, like air quality monitors, to identify hidden problems in your environment.Learn best practices in your field and hold yourself accountable to implement them consistently.Surround yourself with a team you trust to execute your vision when others fall short.By following Robert's example and advice, you can make constructive discontent a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileRobert Linn (he/him):Principal, Point B PropertiesAbout Point B Properties: Point B Properties is a Chicago-based, vertically integrated real estate development firm focused on the “Missing Middle”—the essential workforce housing that institutional funds ignore and small flippers can't handle. Unlike traditional developers who rely on brokers, we utilize a proprietary direct-to-seller sourcing engine to identify off-market, value-add opportunities in high-growth Midwest corridors. We combine this sourcing advantage with rigorous architectural engineering to create “Healthy Buildings”—spaces designed to improve resident well-being through superior air quality and non-toxic materials. Crucially, we are committed to democratizing real estate wealth; through platforms like SmallChange.co, we open our deals to everyday investors, allowing them to co-invest alongside accredited partners.Website: pointbproperties.comCompany Facebook Page: facebook.com/PointBPropertiesInstagram Handle: @pointbprop Other URL: smallchange.co/projects/richmondrevivalBiographical Information: Robert is an innovative real estate professional and developer whose passion for the industry was sparked in his family's woodshop during his childhood. His journey is underpinned by a solid educational foundation, having earned a dual degree in Architecture and Engineering from the University of Michigan.Robert's career began in the niche field of ship design, dovetailing into consulting where he was recruited to apply his expertise to real estate. His commitment to continual growth led him to Indiana University on a scholarship, where he further honed his skills with a double major in Finance and Management.During college, Robert embarked on a new adventure by purchasing his first property. This milestone marked the beginning of his entrepreneurial journey, leading to the formation of his own company, all while balancing a full-time job.Robert is not just about building properties; he's about building them right. Recognized for his contributions to energy-efficient building, like constructing the first Green Star certified condo building, he has a keen interest in the evolving landscape of design and building science. His dedication to the field is further exemplified by his LEED certification and his role as one of the early adopters of HERS rated developments.Robert's projects are infused with a unique blend of practical experience, technical expertise, and theoretical knowledge. His approach to each project is informed by this multidimensional perspective, ensuring solutions that are innovative, efficient, and sustainable.LinkedIn Profile: linkedin.com/in/linnovatingPersonal Facebook Profile: facebook.com/rlinniSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include RISE Robotics, and Crowdfunding Made Simple. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Green, Envirosult | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.SuperCrowdHour, January 21, 2026, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on “From $10 to Impact: How Anyone Can Become an Impact Investor.” Drawing on his experience as an investment banker, impact investor, and community-building leader, Devin will explain how everyday people can start investing small amounts to support mission-driven companies while pursuing financial returns. In this session, he'll break down the basics of regulated investment crowdfunding, show how impact and profit can align, and share practical steps for identifying opportunities that create real-world change. As an added benefit, attendees can become an Impact Member of the SuperCrowd for just $4.58 per month to receive an exclusive private Zoom meeting invitation with Devin, free tickets to paid SuperCrowd events, and the opportunity to directly support social entrepreneurs, community builders, and underrepresented founders.SuperGreen Live, January 22–24, 2026, livestreaming globally. Organized by Green2Gold and The Super Crowd, Inc., this three-day event will spotlight the intersection of impact crowdfunding, sustainable innovation, and climate solutions. Featuring expert-led panels, interactive workshops, and live pitch sessions, SuperGreen Live brings together entrepreneurs, investors, policymakers, and activists to explore how capital and climate action can work hand in hand. With global livestreaming, VIP networking opportunities, and exclusive content, this event will empower participants to turn bold ideas into real impact. Don't miss your chance to join tens of thousands of changemakers at the largest virtual sustainability event of the year. Learn more about sponsoring the event here. Interested in speaking? Apply here. Support our work with a tax-deductible donation here.Demo Day at SuperGreen Live. Apply now to present at the SuperGreen Live Demo Day session on January 22! The application window is closing soon; apply today at 4sc.fun/sgdemo. The Demo Day session is open to innovators in the field of climate solutions and sustainability who are NOT currently raising under Regulation Crowdfunding.Live Pitch at SuperGreen Live. Apply now to pitch at the SuperGreen Live—Live Pitch on January 23! The application window closes January 5th; apply today at s4g.biz/sgapply. The Live Pitch is open to innovators in the field of climate solutions and sustainability who ARE currently raising under Regulation Crowdfunding.SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on January 27th at 1:30 PM ET/10:30 AM PT. Mark your calendar. We'll send private emails to Impact Members with registration details.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Join UGLY TALK: Women Tech Founders in San Francisco on January 29, 2026, an energizing in-person gathering of 100 women founders focused on funding strategies and discovering SuperCrowd as a powerful alternative for raising capital.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Credit union predictions take center stage as Mark Ritter hosts Jeff Lyons on Credit Union Conversations to review their 2025 forecasts. The MBFS leaders analyze their interest rate forecasts, NCUA board changes, and tariff-negotiation predictions with a candid self-assessment. Throughout this engaging review, they explore Federal Reserve rate cuts, consumer lending trends, commercial lending stability, and the challenges facing credit unions in the auto loan market as vehicle prices surpass $50,000. They examine the accuracy of housing market forecasts and the outcomes of budget deal negotiations, while acknowledging mixed results in their prognostication.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How NCUA board changes and Supreme Court cases continue to impact credit union regulatory oversight, with the FTC lawsuit setting precedent for future administrative decisions affecting the credit union industry.✅ Why the auto loan market faces unprecedented challenges as average new vehicle prices exceed $50,000, causing consumers to hold vehicles longer and fundamentally shifting credit union business strategies.✅ The accuracy of inflation predictions and credit card delinquency forecasts, including how CPI data at 2.7% contradicts consumer experiences of rising costs in everyday purchases.✅ How commercial lending stability diverged from consumer lending trends in 2025, creating a bifurcated lending environment that requires different strategic approaches for credit unions.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Mark Ritter and Jeff Lyons review their year-end credit union predictions for 2025 and discuss their accuracy00:38 NCUA board changes discussion covering the firing of Democratic board members and predictions about Supreme Court cases impacting regulatory authority01:33 Interest rate forecasts review, revealing they missed by 25 basis points and tariff negotiations analysis examining how tariffs became a negotiating tool07:07 Auto loan market and consumer lending trends, highlighting the average cost of a vehicle and the lending environment affecting credit union business09:06 Discussion of credit card debt to be determined in February and March, and some football talk: Penn State and RutgersKEY TAKEAWAYS:

Data shapes our world—yet its sheer volume is often overwhelming. Simon Kuestenmacher, co-founder and director of “The Demographics Group” in Melbourne, is one of the leading experts who make figures understandable. This first episode of our three-part series of talks is about reasons and solutions to Australia's housing crisis, as well as the possible end for the country's two major parties. - Daten prägen unsere Welt – doch ihre schiere Menge ist oft überwältigend. Simon Küstenmacher, Mitgründer und Direktor von „The Demographics Group“ in Melbourne, gehört zu den führenden Experten, die Zahlen verständlich machen. In dieser ersten Folge unserer dreiteiligen Gesprächsreihe geht es um Gründe und Lösungen für Australiens Wohnraumkrise, sowie das mögliche Ende für die zwei großen Parteien des Landes.

Real estate investing is about to get easier…much easier. And this could be the average American's first opportunity in years to get in the game. Small investors are more optimistic, planning to buy—not pause—in 2026 as home prices stall, rents get ready to rise again, and affordability slowly trickles back. This is the State of Real Estate Investing in 2026, and the opportunities are growing. We've turned a corner in the housing market. Buyers have control, prices can be negotiated, and mortgage rates are coming down—this is what we've been asking for. Cash flow is even making a comeback after many investors thought it was gone for good. So, what strategies will work especially well in 2026, what are the pitfalls investors should look out for, and what is Dave buying in the next 12 months? Today, we're sharing it all. Strategies. Tactics. Risks. Rewards. We're cracking open the expert investor playbook, and even sharing brand-new insights from investors that contradict what major media networks have been telling you about the housing market.  In This Episode We Cover Cash flow returns—the 2026 perfect storm for cash flow potential to increase  The biggest buying opportunity in years—and why average Americans must take advantage  Real estate investing strategies Dave is betting on (with his own money!) in 2026  Riskier strategies new investors should stay away from (and experts can win with) Four crucial considerations before you buy an investment property  Housing crash in 2026? Here's the real likelihood of it happening  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1222 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Collum is a Professor of Chemistry at Cornell University. In this conversation, we discuss asset prices in 2025, the economy, and the impact of monetary policy on markets. Dave explains why he believes the stock market is overvalued, why he's concerned about risk assets, and why he's uneasy about gold's strong performance despite being a major holder. We also touch on his annual letter, inflation, investing outlooks, U.S. politics, geopolitics, and why independent thinking matters heading into 2026.=======================BitcoinIRA: Buy, sell, and swap 80+ cryptocurrencies in your retirement account. Take 3 minutes to open your account & get connected to a team of IRA specialists that will guide you through every step of the process. Go to https://bitcoinira.com/pomp/ to earn up to $1,000 in rewards.=======================As markets shift, headlines break, and interest rates swing, one thing stays true — opportunity is everywhere. At Arch Public, we help you do more than just buy and hold. Yes, our dynamic accumulation algorithms are built for long-term investors… but where we really shine? Our arbitrage algos — designed to farm volatility and turbocharge your core positions. The best part of Arch Public's products is they are free! Yes, you heard that right, try Arch Public for free! Take advantage of wild moves in assets like $SOL, $SUI, and $DOGE, and use them to stack more Bitcoin — completely hands-free. Arch Public is already a preferred partner with Coinbase, Kraken, Gemini, and Robinhood, and our team is here to help you build smarter in any market. Visit Arch Public today, at https://www.archpublic.com, your portfolio will thank you.=======================Uphold is the easiest way to buy and sell crypto unlike any other platform allowing you to trade in just one step between any supported asset. Check them out at https://uphold.sjv.io/K0RXra. This video includes a paid sponsorship with Uphold. I'm compensated by Uphold for promoting its products and services and may receive commissions from referrals. Terms apply. Not available in all jurisdictions. Digital assets are risky and may result in the total loss of your capital.=======================Timestamps:0:00 - Intro 1:31 — 2025 asset performance & Dave's big picture market view5:56 — Debate: productivity/AI & “new era” valuations11:33 — AI: the tech may be real, but the investment setup may be bad?20:07 — Dave's portfolio positioning & Gold vs Bitcoin28:08 — Tether: transparency vs risks32:40 — Evaluating Strategy leverage & premiums35:25 — “Rough seas ahead” & why valuation is the core risk46:17 — U.S. economic policy, tariffs, DOGE, government “fraud”1:13:30 — Housing affordability: why building “luxury” can lower overall rents1:18:48 — AI + education: personalized tutors vs losing the ability to think1:22:42 — Tucker Carlson experience & media backlash1:35:08 — Where to find Dave's annual letter & closing thoughts

For more coverage on the issues that matter to you, download the WMAL app, visit WMAL.com or tune in live on WMAL-FM 105.9 from 9:00am-12:00pm Monday-Friday  To join the conversation, check us out on Twitter @WMAL and @ChrisPlanteShow Learn more about your ad choices. Visit podcastchoices.com/adchoices

Our CIO and Chief U.S. Equity Strategist Mike Wilson discusses key catalysts that investors may be missing, but that are likely to boost U.S. equities in 2026.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Mike Wilson, Morgan Stanley's CIO and Chief U.S. Equity Strategist. Today on the podcast I'll be discussing the converging market forces bolstering our bullish outlook for 2026. It's Monday, January 5th at 11:30am in New York. So, let's get after it. The New Year is usually a time to look forward. But today, I want to take a step back and talk about what the market is missing. A series of bullish catalysts are lining up at the same time, and the market is still underestimating their collective impact. There's been a lot of focus on individual positives—solid earnings growth, further Fed easing—but in our view, the real story is how these forces are reinforcing one another. Deregulation, positive operating leverage, accommodative monetary policy, and increasingly supportive fiscal policy are all working in the same direction. And as we head into mid-term elections later this year, these policy levers are likely to stay supportive.Importantly, this isn't a market that's already priced for the outcomes I envision. Positioning in cyclical trades remains relatively light, and sentiment in economically sensitive areas is far from exuberant. That combination—of improving fundamentals with cautious positioning—is exactly what tends to characterize the early stages of a recovery. I continue to believe these tailwinds are most underappreciated in cyclical areas like Consumer Discretionary Goods, Financials, Industrials, and small- and mid-cap stocks. Many of the indicators we track are only just beginning to turn higher. This doesn't look late-cycle to me—it looks early in what I have deemed to be a rolling recovery. One reason investors have been hesitant is the sluggishness of traditional business-cycle indicators, particularly the ISM Manufacturing Purchasing Managers Index. There's been a reluctance to press cyclical trades until those gauges clearly re-accelerate; and beneath that hesitation is a lingering anxiety that the U.S. economy could even slip back into a growth scare. My view is different. I believe a three year rolling recession ended with Liberation Day. If that's true, then the moderate softness we're now witnessing in lagging labor data is constructive for equities because it keeps the Fed leaning dovish for longer and more aggressive—a positive for equities. I see the second half of 2025 as the bottoming process for key macro indicators; with 2026 shaping up as a year of re-acceleration. Longer-cycle analysis supports this. Specifically, the 45-month cycle of the ISM Manufacturing Purchasing Managers Index points to a rebound. That recovery has been delayed—but not cancelled. Another tailwind that doesn't get nearly enough attention is energy prices. Gasoline prices in particular are sitting near five-year lows, which is providing real economic relief for lower- and middle-income consumers. That cushion matters, especially as other parts of the economy firm. This past weekend's events in Venezuela argue for lower oil prices for longer. From a sector standpoint, Financials stand out as the key beneficiary of deregulation and these stocks have been great performers over the past year in anticipation of these changes. I think there is more to go in 2026. Housing could be another important piece of the recovery. Subdued wage growth and falling rents may pressure home prices, while some builders are prioritizing volume over margins. While that may cap profitability for the builders, it could unlock housing velocity and feed into a more dovish inflation backdrop. Of course, there are also risks. Liquidity has been our top concern since September, and markets have reflected that through weakness in speculative assets. The good news is that the Fed has responded by ending quantitative tightening early and restarting asset purchases through the Reserve Management Program. This effectively adds liquidity to a system that was showing signs of stress this past several months. Another risk is a renewed slowdown in AI CapEx, particularly as markets demand clearer payback from debt-funded spending. And geopolitically, the U.S. intervention in Venezuela raises new questions. Strategically, it reinforces U.S. influence in the Western Hemisphere and supports our ‘Run It Hot' thesis—but the key wildcard remains whether China chooses to react. Net-net, we think the balance of risks and rewards still favor leaning into this early-cycle recovery and our bullish outlook for US equities in 2026. Thanks for tuning in; I hope you found it informative and useful. Let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out!

2025 was a blockbuster year for housing in California. State lawmakers took aim at the state's landmark environmental law, which they argued was one of the main culprits blocking development for years. In 2025, they approved major reforms. They also passed another law which promises to dramatically change how housing is built near train stations and along busy bus routes. Guest: Adhiti Bandlamudi, KQED More vacant home lots are going up for sale in L.A. County burn zones. And many are being scooped up by investors. Reporter: David Wagner, LAist Learn more about your ad choices. Visit megaphone.fm/adchoices

(January 05, 2026) California rings in New Year with sweeping new laws. DNA tests are triggering a wave of ‘surprise heirs’ asking for a slice of inheritances.See omnystudio.com/listener for privacy information.

Episode 206 with Robert Hornsby and Franck Tcheukado, Co Founder and Chief Executive Officer, and Chief Operating Officer of Jobomax Homes, a West African real estate developer focused on delivering secure, high quality housing for Africans in the diaspora and on the continent.Robert brings a unique perspective as a former US Air Force veteran turned entrepreneur, while Franck brings deep operational leadership from managing construction and project delivery across multiple West African countries. Together, they explore why housing is one of Africa's most underappreciated economic challenges and one of its most powerful opportunities.In this episode, they explain how Jobomax Homes was created to address the trust barriers that have historically prevented diaspora capital from flowing into African real estate. The conversation explores why issues such as land title insecurity, fragmented project management, and limited access to housing finance have held the sector back, and what it takes to build a reliable alternative.Robert and Franck share how Jobomax delivers an end to end homebuilding model that brings structure, transparency, and accountability to the process of buying and building homes from abroad. They discuss maintaining international construction standards while working with local labour, and how this approach supports skills development and strengthens local construction ecosystems.What We Discuss With Robert Hornsby and Franck Tcheukado Why Africa's housing deficit is as much a trust and finance challenge as it is a construction problem.How structured real estate development can unlock diaspora investment into West African housing markets.Delivering quality housing at scale while building local talent and strengthening construction value chains.The role of housing in long term wealth creation, women's economic participation, and formalising property ownership.What the next decade could look like for African real estate, including technology adoption and the evolution of housing as an investable asset.Did you miss my previous episode where I discuss How Carnegie Mellon University Africa Is Building the Next Generation of African Tech and Engineering Leaders? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Robert:LinkedIn - Robert Hornsby and Jobomax HomesConnect with Franck:LinkedIn - Franck TcheukadoMany of the businesses unlocking opportunities in Africa don't do it alone. If you'd like strategic support on entering or expanding across African markets, reach out to our partners ETK Group: www.etkgroup.co.ukinfo@etkgroup.co.uk

It's common knowledge that the nation's housing market – especially in growing areas like North Carolina – has become prohibitively expensive for millions of people, and a new report from researchers at the Lincoln Institute of Land Policy and the Center for Geospatial Solutions (which is housed at the institute) highlights a major culprit – the rising tide of corporate ownership of the nation's residential housing stock. According to the report – which is entitled “Who Owns America,” nearly 9% of residential parcels in 500 U.S. counties are owned by a corporation and the concentrations exceed 20% in some cities. What's more, the trend is expanding rapidly, and it's further complicating the already deeply challenging housing market for first-time buyers. And in December to learn more about the report and the housing market challenges it helps to highlight, we caught up with the national housing reporter for the news outlet, Stateline, Robbie Sequeira. Click here to listen to the full interview with Robbie Sequeira. Editor’s note: This is a rebroadcast of our interview from Dec. 7, 2025. 

Nicolas Maduro and Cilla Flores have pleaded not guilty on charges of narcoterrorism; The ransom threat from hackers who have stolen 400,000 patient files from Manage My Health is set to expire; New Zealand house prices have finished 2025 in the red, according to Cotality's latest Home Value Index; Historian Dr Matthew O'Meagher explains how Venezuela has changed from being a regional economic powerhouse; Woolworths sold more than 1.7 million hot cross buns last Easter - and that demand has them back on shelves just days after Christmas.

New Zealand house prices have finished 2025 in the red, according to Cotality's latest Home Value Index - but there are early signs the market could be turning.

First-home buyers are making up the biggest share of Queenstown property purchases in nearly two decades - but getting a foot on the ladder is still proving brutal in New Zealand's most expensive district. Katie Todd reports.

mike@niddrie.org (Niddrie Community Church)noN

Taking the Promised Land (1) (audio) David Eells – 1/4/26   Tsunami Coming to Flood the Land Anonymous - 07/29/2007 (David's notes in red) This is like an open vision within a dream. This was probably one of the most emotional dreams I have ever experienced so far, which is normally not the case for me. I knew God would keep me safe from the flood, but I felt the fear of God's coming wrath, which made me to tremble. I saw myself in what looked like a viewing gallery made of glass. I could see miles into the ocean. I saw huge, extremely high waves approaching the land. It approached like a tsunami and entered inland. I then heard the voice of God saying, “Go and tell David Eells these words which must be highlighted in red, Warning: Judgment is Coming”. I then saw myself in a huge hall-like sanctuary, and you were preaching. There were people from different parts of the world. I saw Christians that I knew from my nation. These people started approaching me and asking me whether I was the one who saw the “Judgment dream” as they had read about it on the Internet. They could not believe that God could speak through a nobody like me! Praise God for that! The carnal church doesn't understand why God chooses to use nobodies like us. They only respect the great and notable important ones of the worldly church. But God's power is made perfect in weakness. I saw a group of careless Christians in this sanctuary who did not believe that God would send judgment to the wicked nations. They started to walk away in different directions out of this sanctuary to go about their daily affairs, such as work. But what was so amazing was that you were running before these people, with me running alongside, and you would stand in front of their paths and block their way and speak to them the Word about God's impending judgment. You really tired me with all that running in different directions away from the sanctuary! This is our ministry, reaching out to those who have not learned to abide in the safety of Christ. But I admired your persistence. I told God I had never met a persistent preacher like you! Because of the nature of our ministry: Internet, radio and access TV, we can preach day and night, non-stop, even beyond the confines of abiding in Christ, even as we ourselves abide in Christ. I saw that you would not let anyone pass you until you warned them! I was different. I only spoke about God when people approached me about God. Some repented; however, it is sad to say there were many who refused to believe, and they wanted to go back to work instead of staying in that sanctuary. It's time for people to think more about abiding in Christ than their livelihood. If we lose our life before the time we wont need a job. We had strayed way from this sanctuary due to warning the people. We were anticipating the floods at any time. This place was full of rocks/boulders. We had to climb down a boulder, then up again to make our way to safety. Suddenly, there appeared a fair woman (she looked western) dressed in white flowing garments. (The true church of Revelation 12:1.) She was holding a fair baby swaddled in white cloth. I quickly climbed down, and she told me to take her baby because she would not make it. (The church, as it is, will be brought to spiritual death to self through the coming judgments so that it may manifest resurrection life.) That baby was sleeping in her arms peacefully. However, as she handed me that baby, she spoke to it that she would not make it, but someone else would take care of it, and then it started to cry violently. (The man-child's warning to the church of coming crucifixion.) I took that baby, which was extremely tiny. I'm single, but I'm sure babies don't come in that size! (A small body of people in comparison to the mother.) It was so tiny yet very powerful that when its head and body started to wriggle, I had difficulty holding it, and it nearly dropped out of my hands. Fortunately, the lady made it down just in time to catch hold of that baby! (In humbling themselves to the Lord, they will receive the ministry of the man-child they have previously given up.) I can't remember seeing that woman and baby at this point. Because the floods were expected to come, I entered into a huge, tall hotel built upon a rock. It could be as tall as 100 floors. (The 100-fold fruit of those who abide fully on the rock of Christ.) I have never seen such a superstructure like this before in my life. I entered that hotel, and I saw many Christians there who believed in the impending judgment of God. We wanted to change our rooms from the lower floors to the highest floors. (More heavenly, less earthly, 100 fold fruit.) The desk clerk checked and acceded to our request because the highest floors were all vacant. He said that it would cost $89 per person. (The Lord sent me to Matthew 13 when I read this, and immediately showed me the 8th and 9th verse. Mat.13:8 and others fell upon the good ground, and yielded fruit, some a hundredfold, some sixty, some thirty. 9 He that hath ears, let him hear. Also Psa.89 brings us to the Man-child.) My sister prepaid for all of these Christian families with her credit card. The Christian families told my sister that they would settle the bill for their share of the hotel fees. (We have heavenly credit because of the sacrifice of Jesus but also we have to count the cost of losing our life in this world to have our heavenly life.) The dream ended here. I have been having visits of fallen angels recently. I can sometimes see them with my naked eyes! I just had a visit last Tuesday. I would just rebuke them in Jesus name and they would dissipate immediately from view. I wonder why? (To show we have authority over them in Jesus' name.) Spoken to me: Floods/tsunamis spiritually speak of judgments. I believe you are reaching many nations through your ministry. Your ministry is primarily preparing people to escape the coming tribulation. God is no respecter of persons, and He can speak through whom He chooses. I believe that the coming judgment is around the corner, maybe sooner than some may conceive. As usual, there will be those who are just careless in their Christian life, and like in Noah's time, they want to eat, drink, marry, and go about their daily routine until it is too late for them to repent of their folly. I believe the lady speaks about the church, and the baby speaks of the man-child.   Promised Land or Beast Land? Father sent me five words given to the saints at the same time, which He showed me are related.   A Detention Camp D.L. - 06/18/2013 (David's notes in red) On January 12, 1994, I had a dream in which the Lord told me to go and anoint a detention camp. (His name means “world ruler”, which probably represents the Man-child who anoints the camp. The camp represents that Beast bondage is coming to God's people, apparently for their good.) It was to be a place where many Christians would suffer in their bodies, putting an end to sin 1Pe.4:1 Forasmuch then as Christ suffered in the flesh, arm ye yourselves also with the same mind; for he that hath suffered in the flesh hath ceased from sin; 2 that ye no longer should live the rest of your time in flesh to the lusts of men, but to the will of God. After anointing the camp, I was to run away as fast as I could. The only part I saw in the dream was me looking down upon myself running down a path or road as fast as I could. So I have no idea what the camp looked like or where in the camp I did the anointing. (This is a worldwide camp of beast bondage anointed and ordained to bring repentance and purity to God's people.) Note: There is a warning here for Christians to get their lives in order before the Lord, so they can enjoy the Lord's protection for whatever dangers there are in the future and avoid, if possible, places like this. (You can escape through holiness.)   Deb Horton - 06/16/2013 For the past few days, I kept getting repeated in my mind this phrase: “for I watch over my word to perform it”. But I didn't know it was for UBM. Sorry! (I told Care about it on Friday, so I have a witness.) This phrase is from Jer.1:12 Then said the Lord unto me, Thou hast well seen: for I watch over my word to perform it. (What Word will the Father watch over to perform? How and why will He do this?) (Below is the text and some interpretation.) Jer.1:1 The words of Jeremiah the son of Hilkiah, of the priests that were in Anathoth in the land of Benjamin: 2 to whom the word of Jehovah came in the days of Josiah the son of Amon, king of Judah, in the thirteenth year of his reign. 3 It came also in the days of Jehoiakim the son of Josiah, king of Judah, unto the end of the eleventh year of Zedekiah, the son of Josiah, king of Judah, unto the carrying away of Jerusalem captive in the fifth month. (As we see, this will be the carrying away unto the Beast captivity of God's apostate people.) 4 Now the word of Jehovah came unto me, saying, 5 Before I formed thee in the belly I knew thee, and before thou camest forth out of the womb I sanctified thee; I have appointed thee a prophet unto the nations. 6 Then said I, Ah, Lord Jehovah! behold, I know not how to speak; for I am a child. 7 But Jehovah said unto me, Say not, I am a child; for to whomsoever I shall send thee thou shalt go, and whatsoever I shall command thee thou shalt speak. (This is the same conversation God had with Moses the Man-child. Jeremiah represents the Man-child who basically said he didn't know how to speak, and God said, “Fear not. I will speak through you”.) 8 Be not afraid because of them; for I am with thee to deliver thee, saith Jehovah. 9 Then Jehovah put forth his hand, and touched my mouth; and Jehovah said unto me, Behold, I have put my words in thy mouth: (To release a sword against God's people to bring them to repentance.) 10 see, I have this day set thee over the nations and over the kingdoms, to pluck up and to break down and to destroy and to overthrow, to build and to plant. 1011 (the gematria for the Man-child) Moreover the word of Jehovah came unto me, saying, Jeremiah, what seest thou? And I said, I see a rod (the “rod of my son” - Ezekiel 21:10 below) of an almond-tree (almonds are first-fruits). Here is Ezekiel 21:10 in context: Eze.21:8 And the word of Jehovah came unto me, saying, 9 Son of man (Jesus manifested in His Man-child body), prophesy, and say, Thus saith Jehovah: Say, A sword, a sword, it is sharpened, and also furbished; 10 it is sharpened that it may make a slaughter; it is furbished that it may be as lightning: shall we then make mirth? the rod of my son, it contemneth every tree (The rod of God's Son will speak judgment on God's people through the Man-child who speaks not for “Churchianity” but God.). 11(again) And it is given to be furbished, that it may be handled: the sword, it is sharpened, yea, it is furbished, to give it into the hand of the slayer. (Authority given to the Beast to slay the flesh of God's rebellious people.) 12 Cry and wail, son of man; for it is upon my people, it is upon all the princes of Israel: they are delivered over to the sword with my people; smite therefore upon thy thigh. 13 For there is a trial (or tribulation); and what if even the rod that contemneth shall be no more? saith the Lord Jehovah. (If the rod of the Lord's son was not there to chasten them, they would be lost. We must lose our life to gain our higher life.) 14 Thou therefore, son of man, prophesy, and smite thy hands together; and let the sword be doubled the third time (Third world kingdom to conquer God's people; there was Egypt, Assyria, and third was Babylon. Likewise, World Wars I and II brought New World Orders, the League of Nations and the United Nations, and WW III will bring the tribulation Dragon of Revelation 12. This third time, a sword will come against God's rebellious leadership and people.), the sword of the deadly wounded: it is the sword of the great one that is deadly wounded, which entereth into their chambers. 15 I have set the threatening sword against all their gates, that their heart may melt, and their stumblings be multiplied: ah! it is made as lightning, it is pointed for slaughter (God chastens every son that He receives; a humbling is coming.). Back to our Jeremiah text. Jer.1:12 Then said Jehovah unto me, Thou hast well seen: for I watch over my word to perform it. (According to God's will, the Beast will once again make war on the saints to bring them to their cross.) 13 And the word of Jehovah came unto me the second time, saying, What seest thou? And I said, I see a boiling caldron; and the face thereof is from the north (the Beast from the north makes war against God's people). 14 Then Jehovah said unto me, Out of the north evil shall break forth upon all the inhabitants of the land. 15 For, lo, I will call all the families of the kingdoms of the north (the seven-headed Beast kingdom), saith Jehovah; and they shall come, and they shall set every one his throne at the entrance of the gates of Jerusalem (the apostate leadership of God's people today), and against all the walls thereof round about, and against all the cities of Judah. 16 And I will utter my judgments against them touching all their wickedness, in that they have forsaken me, and have burned incense unto other gods (Elohim), and worshipped the works of their own hands (religions, doctrines, church buildings, of men). 17 Thou therefore gird up thy loins, and arise, and speak unto them all that I command thee: be not dismayed at them, lest I dismay thee before them. (i.e. The Lord was saying, “Man-child, be strengthened to do battle against the apostates. Pay no attention to their disapproval; just speak what I say”.) 18 For, behold, I have made thee this day a fortified city, and an iron pillar, and brazen walls, against the whole land, against the kings of Judah, against the princes thereof, against the priests thereof, and against the people of the land. (As it was when Jesus was strengthened to come against the entrenched Pharisees who warred against Him. And I received this same treatment for myself and got these same verses.) 19 And they shall fight against thee; but they shall not prevail against thee: for I am with thee, saith Jehovah, to deliver thee. (I received this same text when called on the carpet by an old order religion I was asked to speak at.) So what do we do? M. L. received this word this morning: Neh.9:2 And the seed of Israel separated themselves (sanctified themselves) from all foreigners (This separation is happening. Those who act foreign to God's Kingdom are.), and stood and confessed their sins, and the iniquities of their fathers (Confession of sins always brings the grace of God in deliverance and healing.). 3 And they stood up in their place, and read in the book of the law of Jehovah their God a fourth part of the day (humility to the Word brings mercy); and [another] fourth part they confessed, and worshipped Jehovah their God. So they confessed their sins of their fathers which they had inherited through the blood for “the life of the flesh is in the blood”: 13 Thou camest down also upon mount Sinai, and spakest with them from heaven, and gavest them right ordinances and true laws, good statutes and Commandments (He gave us His Word), 14 and madest known unto them thy holy sabbath (His rest through faith), and commandedst them commandments, and statutes, and a law, by Moses thy servant (a Man-child type), 15 and gavest them bread from heaven for their hunger, and broughtest forth water for them out of the rock for their thirst, and commandedst them that they should go in to possess the land (or take dominion over the flesh) which thou hadst sworn to give them. (They rebelled and left the old man ruling the land.) 16 But they and our fathers dealt proudly and hardened their neck, and hearkened not to thy commandments, 17 and refused to obey, neither were mindful of thy wonders that thou didst among them, but hardened their neck, and in their rebellion appointed a captain to return to their bondage (A factious leader, for they loved the fleshpots of Egypt where they were ruled over and fed by the carnal man). But thou art a God ready to pardon, gracious and merciful, slow to anger, and abundant in lovingkindness, and forsookest them not. 18 Yea, when they had made them a molten calf, and said, This is thy God that brought thee up out of Egypt, and had wrought great provocations (So they made their own Jesus after their own likeness who smiled upon their sinful lives.); 19 yet thou in thy manifold mercies forsookest them not in the wilderness: the pillar of cloud departed not from over them by day, to lead them in the way; neither the pillar of fire by night, to show them light, and the way wherein they should go. And they confessed their sins: 26 Nevertheless they were disobedient, and rebelled against thee, and cast thy law behind their back (they ignored the Word, as today), and slew thy prophets that testified against them to turn them again unto thee, and they wrought great provocations. (They weren't satisfied to just walk away when they rebelled against the Word of God; they had to silence the Word at all costs; they had to kill the men who sacrificed their lives to bring them the Word. At the same time as receiving this word, M. L. received Psalm 55:12-19 about this, and closed her Bible because she was tired of hearing this. She asked for another word and opened her Bible and put her finger down on the same verse. Psa.55:12 For it was not an enemy that reproached me; Then I could have borne it: Neither was it he that hated me that did magnify himself against me; Then I would have hid myself from him: 13 But it was thou, a man mine equal, My companion, and my familiar friend. 14 We took sweet counsel together; We walked in the house of God with the throng. 15 Let death come suddenly upon them, Let them go down alive into Sheol; For wickedness is in their dwelling, in the midst of them. 16 As for me, I will call upon God; And Jehovah will save me. 17 Evening, and morning, and at noonday, will I complain, and moan; And he will hear my voice. 18 He hath redeemed my soul in peace from the battle that was against me; For they were many [that strove] with me. 19 God will hear, and answer them, Even he that abideth of old, Selah [The men] who have no changes, And who fear not God. 20 He hath put forth his hands against such as were at peace with him: He hath profaned his covenant. 21 His mouth was smooth as butter, But his heart was war: His words were softer than oil, Yet were they drawn swords. 22 Cast thy burden upon Jehovah, and he will sustain thee: He will never suffer the righteous to be moved. 23 But thou, O God, wilt bring them down into the pit of destruction: Bloodthirsty and deceitful men shall not live out half their days; But I will trust in thee.) Because of this great provocation: 27 Therefore thou deliveredst them into the hand of their adversaries, who distressed them: and in the time of their trouble, when they cried unto thee, thou heardest from heaven; and according to thy manifold mercies thou gavest them saviours who saved them out of the hand of their adversaries. 28 But after they had rest, they did evil again before thee; therefore leftest thou them in the hand of their enemies, so that they had the dominion over them: yet when they returned, and cried unto thee, thou heardest from heaven; and many times didst thou deliver them according to thy mercies, 29 and testifiedst against them, that thou mightest bring them again unto thy law. Yet they dealt proudly, and hearkened not unto thy commandments, but sinned against thine ordinances, (which if a man do, he shall live in them,) and withdrew the shoulder, and hardened their neck, and would not hear. 30 Yet many years didst thou bear with them, and testifiedst against them by thy Spirit through thy prophets: yet would they not give ear: therefore gavest thou them into the hand of the peoples of the lands (to be ruled over and oppressed by the Beast). So what do we do to have God's blessing and come out from under the curse? We walk in the light of God's Word. On 6/16/13 a sister received Eze.47:21 So shall ye divide this land unto you according to the tribes of Israel. But she sent this whole text, which shows us how to possess the Promised Land of rest, milk, and honey: Eze.47:1 And he brought me back unto the door of the house; and, behold, waters issued out from under the threshold of the house eastward (for the forefront of the house was toward the east); and the waters came down from under, from the right side of the house, on the south of the altar. (The Word is the waters from the House of God to bring salvation and healing to the peoples.) 2 Then he brought me out by the way of the gate northward, and led me round by the way without unto the outer gate, by the way of the gate that looketh toward the east; and, behold, there ran out waters on the right side. 3 When the man went forth eastward with the line in his hand, he measured a thousand cubits, and he caused me to pass through the waters, waters that were to the ankles. (What is the depth of the Word you walk in?) 4 Again he measured a thousand, and caused me to pass through the waters, waters that were to the knees. (30-fold fruit of the waters walked in) Again he measured a thousand, and caused me to pass through the waters, waters that were to the loins. (60-fold fruit of the waters walked in) 5 Afterward he measured a thousand; and it was a river that I could not pass through; for the waters were risen, waters to swim in, a river that could not be passed through. (Waters of baptism go over the head to put to death the mind of flesh. 100-fold fruit of the waters walked in.) 6 And he said unto me, Son of man (the Man-child walking in 100-fold fruit), hast thou seen this? Then he brought me, and caused me to return to the bank of the river. 7 Now when I had returned, behold, upon the bank of the river were very many trees on the one side and on the other. (Those witnesses who bring the healing waters of the tongue to the peoples, as below. And as Jesus the Man-child witnesses did.) 8 Then said he unto me, These waters issue forth toward the eastern region, and shall go down into the Arabah; and they shall go toward the sea (the Dead Sea, representing the dead peoples of the world); into the sea shall the waters go which were made to issue forth; and the waters shall be healed. 9 And it shall come to pass, that every living creature which swarmeth, in every place whither the rivers come, shall live (a great revival of the Word coming when many church people reject it.); and there shall be a very great multitude of fish; for these waters are come thither, and the waters of the sea shall be healed (The word and understanding of lost people shall be cleansed), and everything shall live whithersoever the river cometh. (Out of your innermost being shall flow rivers of living waters -- John 7:38.) 10 And it shall come to pass, that fishers shall stand by it: from En-gedi even unto En-eglaim shall be a place for the spreading of nets; their fish shall be after their kinds, as the fish of the great sea, exceeding many. (many evangelists will fish for them) 11 But the miry places thereof, and the marshes thereof, shall not be healed; they shall be given up to salt. (Living waters are moving waters; dead waters are stagnant waters, as the Pharisees walk in. They will be reprobated, like Lot's wife, who turned to salt when she looked back.) 12 And by the river upon the bank thereof, on this side and on that side, shall grow every tree for food, whose leaf shall not whither, neither shall the fruit thereof fail: it shall bring forth new fruit every month, because the waters thereof issue out of the sanctuary; and the fruit thereof shall be for food, and the leaf thereof for healing. (As Revelation 22 shows, the waters give life to the trees whose leaves are for the healing of the nations.) Rev.22:1 And he showed me a river of water of life, bright as crystal, proceeding out of the throne of God and of the Lamb, (Only the living Word can do this) 2 in the midst of the street thereof. And on this side of the river and on that was the tree of life (Pro.15:4 The healing of the tongue is a tree of life... In Hebrew), bearing twelve [manner of] fruits, yielding its fruit every month: and the leaves of the tree were for the healing of the nations. 3 And there shall be no curse any more (the waters of the Word are to deliver us from the curse): and the throne of God and of the Lamb shall be therein: and his servants shall serve him; 4 and they shall see his face; and his name [shall be] on their foreheads. 5 And there shall be night no more; and they need no light of lamp, neither light of sun; for the Lord God shall give them light (if we walk in the light as He is in the light): and they shall reign for ever and ever. 6 And he said unto me, These words are faithful and true: and the Lord, the God of the spirits of the prophets, sent his angels to show unto his servants the things which must shortly come to pass. If we walk in the light of the water of the Word, we will be blessed to take the land of rest, God's promised land of milk and honey. If we continue to rebel against the Word, we shall see a terrible beast bondage. Now back to Ezekiel text: 13 Thus saith the Lord Jehovah: This shall be the border, whereby ye shall divide the land for inheritance according to the twelve tribes of Israel: Joseph shall have two portions. (The land is divided among the 12 tribes [verse 21] by lot [in verse 22]. We are the spiritual 12 tribes. (1Co 10:11) Now these things happened unto them by way of example [Greek: figure or type]; and they were written for our admonition, upon whom the ends of the ages are come.) 14 And ye shall inherit it, one as well as another; for I sware to give it unto your fathers: and this land shall fall unto you for inheritance. (The promises are our Promised Land of rest from our enemies.) 15 And this shall be the border of the land: On the north side, from the great sea, by the way of Hethlon, unto the entrance of Zedad; 16 Hamath, Berothah, Sibraim, which is between the border of Damascus and the border of Hamath; Hazer-hatticon, which is by the border of Hauran. 17 And the border from the sea, shall be Hazar-enon at the border of Damascus; and on the north northward is the border of Hamath. This is the north side. 18 And the east side, between Hauran and Damascus and Gilead, and the land of Israel, shall be the Jordan; from the north border unto the east sea shall ye measure. This is the east side. 19 And the south side southward shall be from Tamar as far as the waters of Meriboth-kadesh, to the brook of Egypt, unto the great sea. This is the south side southward. 20 And the west side shall be the great sea, from the south border as far as over against the entrance of Hamath. This is the west side. 21 So shall ye divide this land unto you according to the tribes of Israel. 22 And it shall come to pass, that ye shall divide it by lot for an inheritance unto you and to the strangers that sojourn among you, who shall beget children among you; and they shall be unto you as the home-born among the children of Israel; they shall have inheritance with you among the tribes of Israel. (These strangers could well be your lost loved ones who you are believing for and will inherit the land with you.) 23 And it shall come to pass, that in what tribe the stranger sojourneth, there shall ye give him his inheritance, saith the Lord Jehovah. When I finished the above, I received this note:   Anonymous - 06/19/2013 The broader church is about to go into the captivity of the Beast system to separate the wheat from the tares: Psa.53:6 Oh that the salvation of Israel were come out of Zion! When God bringeth back the captivity of his people, Then shall Jacob rejoice, and Israel shall be glad. The Man-child among us will lead the way out of spiritual captivity: 54:1 For the Chief Musician; on stringed instruments. Maschil of David; when the Ziphites came and said to Saul Doth not David hide himself with us? Save me, O God, by thy name, And judge me in thy might. Pray fervently! 2 Hear my prayer, O God; Give ear to the words of my mouth. The factious will again rise up through the tribulation: 3 For strangers are risen up against me, And violent men have sought after my soul: They have not set God before them. The Word sanctifies the soul: 4 Behold, God is my helper: The Lord is of them that uphold my soul. The Word will overcome for us and through us: 5 He will requite the evil unto mine enemies: Destroy thou them in thy truth. The “name” (nature, character and authority) of the Lord brings the “living sacrifice!” 6 With a freewill-offering will I sacrifice unto thee: I will give thanks unto thy name, O Jehovah, for it is good. Which brings the deliverance from the spiritual hosts of wickedness in the heavenly places: 7 For he hath delivered me out of all trouble; And mine eye hath seen my desire upon mine enemies.   The Promised Land is not for Enemies These dreams are similar to those we have received in the past, which speak of fear moving people out of the area, in this case by train, which would only be necessary if the fault lines to the east and west opened up and main highways were cut off as we have dreamed. And then repositioning us in the area in preparation for many more Christians to come.   Moving and Trains Sandy Shaw - 08/22/2015 (David's notes in red) In a dream, a sister was talking to me, saying, “Everyone in the circle is moving”. (This means the local UBM circle. I asked the Lord if we were all moving and got three heads for YES.) I asked, “How does everyone feel about that?” She said, “We are ready to go; we are at peace with the idea”. (A word received for this dream: Isa.26:3 Thou wilt keep him in perfect peace, whose mind is stayed on thee; because he trusteth in thee.) (M. L. had a dream called “Getting Ready” on 6/16/15, which is about them being in a large house, rather than the mobile home they are now in and getting it ready because all their children and grandchildren were coming. The coming children could have a spiritual meaning, as well as a physical meaning. Many children are coming. Michael L. dreamed that UBM people were moving into housing close together, which is outside the city. Bill had a dream we were there, too. M. L. had a dream that I was moving into an office there, too. We have always known that our housing is temporary at first and we are all renting. Housing has been provided.) Then, from the Walmart parking lot, I saw the following: A train, a document on special paper, and chaos and fear here in the local area, but we were at peace. (Walmart stores are reported to be staging areas to separate the Christians and, according to Eve's dream, a place where some may never be seen again. The fear represents the hornet of fear that drives the inhabitants from the Promised Land ahead of God's chosen. Pray for God's people among them! We do not make God's plans; we merely obey them.) I could not see the message on the document. Then I saw a man's hand as he pointed at it. He shouted, “Can't you see it?” He asked three times and continued to point, “It's right there!” (Could it be that the earthquakes have happened, and as seen before, the faults cut off the interstate and main road, leaving the area. The hornet of fear will drive people from our Promised Land. A false warning from geologists that the peninsula could sink into the waters that have filled in the faults?) I asked in frustration, “Lord, why can't I see it?” (Because Sandy doesn't hear the message of fear, she is not going with them. In one of her recent dreams, she was hidden in Christ, in the underground, when the people were leaving.) Then T. C. popped up with outstretched arms. She said, “Sandy, you know God is sovereign. He will reveal it to you when He is ready”. (In other words, He will reveal what you need to know on a need-to-know basis.) Sandy said, “I see a train that is not moving (I asked Sandy if this could be the train we are used to seeing. The only one that goes north and south through the valley. She thought so.), but I hear a train that is moving (the people out). Then the feeling of dread, like oh, no, came over me”. (I asked her if the moving train could be a passenger train and she said she felt it was. It is a possibility that this train could represent a train of cars leaving town. You can't get many people on a normal passenger train, but of course, the Nazis moved the Jews in boxcars. Then again, if they are going to a FEMA camp, they may not take their cars, and if the interstate and main highway are taken out, possibly the train is the only way out of the area. That way, they couldn't take much with them, which is what was already revealed to us. Sandy's dream of all the people walking or riding bikes to this central city [trains] while she ducked into the woods with others to a hiding place underground could be a clue. They wouldn't need their cars if they were boarding a train. But they may not know they are not coming back.) Amazing words by faith at random this same morning: This morning, Michael L. got Ezr.2:70 So the priests, and the Levites, and some of the people, and the singers, and the porters, and the Nethinim, dwelt in their cities, and all Israel in their cities. 3:1 And when the seventh month (on the Hebrew Biblical calendar, this is September) was come, and the children of Israel were in the cities, the people gathered themselves together as one man to Jerusalem. We used to talk about our Jerusalem in this area. The Man-child David and his men took Jerusalem after he was anointed. Notice the same amazing words in the next verse. Also, this morning B. A. got Ezr.10:9 Then all the men of Judah and Benjamin gathered themselves together unto Jerusalem within the three days; it was the ninth month, on the twentieth day of the month: and all the people sat in the broad place before the house of God, trembling because of this matter, and for the great rain. (The outpouring of God's Spirit?) P. O. asked the Father for a verse to share. She said, “I felt led to ask Him for a verse that we needed to hear. He put my finger down on Isa.54:1 Sing, O sing ye barren... The whole chapter seemed appropriate. Then I felt like singing. The song that came out of the blue was Christ Arose”. Low in the grave He lay; Jesus my Savior; Waiting the coming day, Jesus Our Lord. Up from the grave He arose, with a mighty triumph over His foes. He arose a victor from the dark domain, And He lives forever with His saints to reign!   Many People Coming to UBM M. L.- 08/21/2015 It was a sunny day with blue sky and an atmosphere of rejoicing. People, people everywhere. Where did they all come from? How did they get here? How did they find us? What is their story? My dream opened up at seeing hundreds and hundreds of people coming to us. And I saw some more in the distance coming toward us, too. (This could be the call to go into the wilderness after the earthquakes and Man-child anointing. Those in the distance are those coming later.) I saw quick glances of people like snapshots seated at makeshift tables. More in the foreground were small, white, round tables; it seemed four could sit at each. At a section of white table, close to my observation point, there was a woman who caught my attention. She had finished eating and had kept looking to the right. She had blond hair that was long and was brought from her face to the sides in a becoming way. Her face was radiant as she watched the people about her. She looked familiar but she was different, taller, lighter hair. She will return and she will show radiance, too. (We knew this woman as a righteous woman but she was deceived into the faction by her husband. We had dreams this would happen to her but we also have had dreams she would return very humbled but without her husband who would die. So we think she is a type of many who will repent and return as the Lord has said to us.) This was all outside and people were eating. Everyone had a plate and something to drink. Believe it or not, the food just appeared as people were waiting in line. (Jesus, as a type of the end time Man-child in whom He lives by His Word and Spirit, multiplied the food in the wilderness.) Rectangular bountiful tables were end upon end and row upon row, just to hold the food. The people were patient and kind and loving to one another. (The only kind of people who will escape the Beast.) I saw close-up shots of lasagna being put on a plate. Crispy chicken, salad, greens, biscuits and on and on. The food dishes were replaced as the last piece or spoonful was taken. Where did it come from? I saw no one carrying food to the table. (Manna comes out of heaven.) Since we were outside, where were the ovens that baked everything? I knew our local body was serving but never really saw anyone. It was a busy time and we were servants to all. (A Marriage Feast in the wilderness.) I didn't see any buildings nor could I see if we were in a field or a grassy area because I saw everything from a table-height up. The edges were also blurred slightly, as I took in the scene before me. In the area, I saw no debris from damaged buildings (which will be needed). When people had finished eating, they talked excitedly and were patiently waiting for the meeting to start. This had to be on a raised area so people could see who was speaking. Then again, I didn't see this but just knew that the area on the right was where things were set up. People were looking in that direction. It was then that I noticed the people sitting at the white tables who were close to me had a special glow on their faces. Their faces had a sheen like oil on them that went into their hair. There were dozens of these tables. Then I saw more and more with the glow. (Those who manifested the glory of God by seeing Jesus in the mirror, the Gospel. 2Co.3:18 But we all, with unveiled face beholding as in a mirror the glory of the Lord, are transformed into the same image from glory to glory, even as from the Lord the Spirit.) They had come here. They had been revived by rest and food. Now they were anticipating the spiritual food for their souls, they had hungered and thirsted for so long. (Jesus, as a type of the end-time Man-child in whom He lives by His Word and Spirit, fed that food for the soul in the wilderness, too. Oh, come, Lord Jesus; we need You.) Some applicable verses: Mat.11:28 Come unto me, all ye that labor and are heavy laden, and I will give you rest. 29 Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest unto your souls. 30 For my yoke is easy, and my burden is light. Php.4:19 And my God shall supply every need of yours according to his riches in glory in Christ Jesus. Luk.9:12 And the day began to wear away; and the twelve came, and said unto him, Send the multitude away, that they may go into the villages and country round about, and lodge, and get provisions: for we are here in a desert place. 13 But he said unto them, Give ye them to eat. And they said, We have no more than five loaves and two fishes; except we should go and buy food for all this people. 14 For they were about five thousand men. (Not including the women and children.) And he said unto his disciples, Make them sit down in companies, about fifty each. 15 And they did so, and made them all sit down. 16 And he took the five loaves and the two fishes, and looking up to heaven, he blessed them, and brake; and gave to the disciples to set before the multitude. 17 And they ate, and were all filled: and there was taken up that which remained over to them of broken pieces, twelve baskets. (We have seen food multiplied.) Gal.5:22 But the fruit of the Spirit is love, joy, peace, longsuffering, kindness, goodness, faithfulness.... Mar.9:35 And he sat down, and called the twelve; and he saith unto them, If any man would be first, he shall be last of all, and servant of all. Exo.34:35 And the children of Israel saw the face of Moses, that the skin of Moses face shone: and Moses put the veil upon his face again, until he went in to speak with him. Psa.34:5 They looked unto him, and were radiant; and their faces shall never be confounded. 42:1 As the Deer Pants for the Water, So panteth my soul after thee, O God....   Are You Ready? Here They Come!  Sandy Shaw - 08/26/2015 (David's notes in red) In a dream, I saw huge wooden double doors that were several inches thick. They had hinges and handles like those of an old castle. On the inside, there was a large, thick wooden arm that was down to bar the doors. Local UBM was inside, hurrying to get final preparations done. Everyone knew what they were to do, and they did it. There was a man at the doors. Then the wooden arm was raised up, and he shouted, “Get ready, get ready, get ready!” Then he opened the doors and shouted, “R-E-A-D-Y!” And there were hundreds and hundreds of people coming inside!   A Nation of Refugees Moving Toward God Michael L. - 09/07/2015 (David's notes is red) I was on top of a mountain. It was mostly grassy, but the elevation looked to be 4,000 to 5,000 feet. I could see for many miles. It appeared as though this mountain was higher, as it allowed me to look over to the other mountains that were lower. I also saw thousands of people walking across the lands. They were traveling from left to right. (Jesus put the goats on the left and the sheep on the right, so this means to go from rebellion to submission, from goats to sheep.) None of them was saying anything. They seemed very sober or maybe tired. (The U.S. will be a nation full of refugees seeking help from God, Who will answer miraculously.) They were carrying things that they could easily handle. (It will be a wilderness experience for God's people. Many will come to know Him. When they do, He will give them a place of rest. Abraham was a sojourner: “he looked for the city which hath the foundations, whose builder and maker is God”. He searched out his Promised Land.) After seeing this, I thought that I should take my car, as it might make it easier (it was possibly a green 1960s Chevy Impala). I looked everywhere for some kind of road to travel down the mountain, but I couldn't find one. (No road down means you should stay on top of the mountain, close to God. Don't take the Chevy; it's a goat that only goes to the left.) Chevy is from French, German (Swiss) origins from chèvre meaning “goat” and, if you use the full name Chevrolet, we get lait meaning “milk”, possibly meaning for the immature. An impala is a reddish-brown African antelope with long, curved horns in the male, and is known for its ability to leap. They are food for the lion or beast.   God's Promise of Protection and Provision B. A. - 01/01/2012 (David's notes is red) I dreamed I was sitting in my den with my Bible in my lap and my laptop computer open to my concordance; I often study this way. Suddenly, from the view of the west window in the den, I saw a big black Hummer vehicle pull up right outside the window. I saw five men dressed in military clothing get out of the vehicle; I could see that one of them was a high-ranking officer. My husband was standing in the kitchen between the refrigerator and the island. I stood up out of my chair and told him not to move or speak, no matter what happened. I then began to pray this prayer: “Heavenly Father, please make everything in this house invisible except me, these two chairs in the den and the table, the mattress, blankets and pillows on the floor, and the four slices of bread and two small potatoes in the cupboard. Father, please make our enemies be at peace with us, and please make our enemies bless us. Thank you, Lord. Amen.” As I finished my prayer, the officer approached the sliding glass door to the den and entered the room. He looked straight at me, then, without saying a word, he began to search the house. What happened next was amazing. The officer began to walk into the kitchen between the refrigerator and the island where my husband was standing; the officer passed right through my husband and proceeded into the dining room and all of the other rooms on that side of the house. Then, the officer came back into the kitchen and opened the cupboard, and saw the four slices of bread and two potatoes. He gently closed the cupboard doors and walked over to the sliding glass door and opened the door. In a strange language I had never heard before, he commanded one of the young men to retrieve a large sack from the front seat of the Hummer. I was actually able to understand what the officer said to this man. The young man got the sack and brought it to the officer. The officer then came back into the house and placed the sack on the counter in the kitchen, and then went back outside. Then the officer reached inside the Hummer and had something in his hand as he walked over to the west window; he placed something that looked like a seal across the window, then got back into the Hummer and left. All of this transpired without one word being spoken. I then looked back at my husband, and I was amazed at what I saw. His hair, which was sandy blond before, was now snow white. I asked him, “Do you understand what just happened?” He looked at me and fell to his knees in sobbing tears, and he cried out to the Lord to forgive him for his sins. After a while, he got up, and we discussed what all had taken place. I then asked my husband to pour out the contents of the sack onto the counter. The sack contained two bottles of water, two apples and a large bag of peanuts still in the shell. My husband then said to me, “Everything you prayed for in your prayer was granted by the Lord”. We then sang and praised the Lord together. We then went outside to see more clearly what was on this seal that was placed on the window. There was writing in a foreign language, but I was able to read and understand it as it read, “This house is clean”. I looked up the driveway and could see that there was another one of these seals on the gate at the front of the driveway, so we went up to the gate to take a closer look at that seal; this seal read, “This property has been inspected and is clean. No further inspections required”. Then I awoke from the dream. I got up from bed and just sat for hours thinking about this dream. Tears of joy ran down my face, as I believe the Lord was reassuring me that all would be well with my family and me; just believe. Mar.11:23 Verily I say unto you, Whosoever shall say unto this mountain, Be thou taken up and cast into the sea; and shall not doubt in his heart, but shall believe that what he saith cometh to pass; he shall have it. 24 Therefore I say unto you, All things whatsoever ye pray and ask for, believe that ye receive them, and ye shall have them.   The Righteous Remain in the Land M. Y. - 12/05/2012 (David's notes in red) Background note: We know there is a spiritual Promised Land of our lives, which is taken possession of as the old man is conquered by the sword or Word of the spiritual man who then rules this life. However, this dream has a special and more physical meaning to the brethren involved with it because we are in a LAND that was promised to us and others by the Lord, and He has told us that only the righteous will remain. The testings of the Lord and the temptations of self, have proven some people unworthy to remain in the Refuge Land, and they are being removed, just like in this dream. We have heard this warning many times and received some of the verses below from the Lord before. In my dream, a group of people were lying down in an open area and I was lying on my side. I saw (what I thought was in the spirit) an image of me with my right arm ripped almost entirely off my shoulder and barely hanging on by a piece of flesh or muscle. I was told that if I lay that way (on my side), I would not be protected from the strong wind and the result would be damage to my arm. (The strong wind is the tribulations to come and the arm represents the works of the Christian that will not survive the trial unless they overcome. In other words, their works will fail to be works of faith. Mat.7:24 Every one therefore that heareth these words of mine, and doeth them, shall be likened unto a wise man, who built his house upon the rock: 25 and the rain descended, and the floods came, and the winds blew, and beat upon that house; and if fell not: for it was founded upon the rock [of rest in the promises]. 26 And every one that heareth these words of mine, and doeth them not, shall be likened unto a foolish man, who built his house upon the sand: 27 and the rain descended, and the floods came, and the winds blew, and smote upon that house; and it fell: and great was the fall thereof. Another way of saying this is their works were burned up in the fiery trial. 1Co.3:11 For other foundation can no man lay than that which is laid, which is Jesus Christ. 12 But if any man buildeth on the foundation gold, silver, costly stones, wood, hay, stubble [the dark man]; 13 each man's work shall be made manifest: for the day shall declare it, because it is revealed in fire; and the fire itself shall prove each man's work of what sort it is. 14 If any man's work shall abide which he built thereon, he shall receive a reward. 15 If any man's work shall be burned, he shall suffer loss: but he himself shall be saved; yet so as through fire. (He will continue in the fire for the flesh to be burned up.) I was then instructed (in the spirit or in my mind) on how to lie properly and in what direction to lie my head to avoid any damage. I practiced this a few times and knew that I had to remember it. I had to lie flat with all my members against the ground. (In other words, we have to have all of our works [arms], walk [legs], head [mind] and torso [heart] resting from our own works through faith in the promises.) I had to keep my eyes away from the wind. (In other words, get your eyes off the problem and on the Lord.) There was a black or dark man lying to my left when I held up my hand toward him in the shape of or forming the letter C. (The Christian is trying to teach the dark man who walks in darkness how to survive the coming curse. This dark man represents either the flesh or others who walk in it.) I thought that the C was a type of sign language, or I was telling myself to “see”. (Or it could also mean that we must keep our eyes away from the problem or curse and put them on C for Christ.) As I lay there in the shape I was shown, with one hand I began to pat each part of my body, as if to verify its position or to draw attention to it for instruction (to the dark man). At some point, there were no other people around, and I started wondering what would cause the strong wind. (Notice that the dark man was taken away. This is what the wind and fire do.) I considered a nuclear blast or other disasters that would cause a strong wind. I awoke and had the strong feeling that the C-shape made with my hand was telling me to see or pay attention. (The strong wind is any trial that tempts us to get into our own works and so fail to stay in the rest of faith that saves us.) When we heard this dream, there were three other people in the room with me, and I asked them to get a Word from the Lord by faith concerning this wind and what it would do by opening their Bible randomly and putting their fingers down. I was first to find a verse. Pro.2:21 For the upright shall dwell in the land, And the perfect shall remain in it. 22 But the wicked shall be cut off from the land, And the treacherous shall be rooted out of it. Notice those who are in the rest of faith will remain in the Promised Land. But, just as in the dream, the dark man is gone. This land that all four of us are in and has been promised to us is the Boat/Ark/Refuge, etc. M. Y.'s wife, got Psalm 73, which is all about the end of the wicked and survival of the righteous. Psa.73:18 Surely thou settest them in slippery places: Thou castest them down to destruction. 19 How are they become a desolation in a moment! They are utterly consumed with terrors ... 27 For, lo, they that are far from thee shall perish: Thou hast destroyed all them that play the harlot, [departing] from thee. 28 But it is good for me to draw near unto God: I have made the Lord Jehovah my refuge, That I may tell of all thy works. Then M. Y. got astounding verses about what would happen to the wicked who opposed our building of the spiritual temple. In this text, those who persecuted the Jews as a faction stopped them from building the temple of God (as is happening now) were made to help them or be destroyed as is happening. Ezr.6:10 that they may offer sacrifices of sweet savor unto the God of heaven [the sacrifice of the flesh or dark man burning up in the fiery trial], and pray for the life of the king, and of his sons. 11 Also I have made a decree, that whosoever shall alter this word, let a beam be pulled out from his house, and let him be lifted up and fastened thereon [in other words, let him be crucified]; and let his house be made a dunghill for this. Then M.Y. got a text that speaks of the backsliding people of God from the Spirit-filled and non-Spirit-filled groups that were taken captive out of their land by the Beast because of their spiritual idols and spiritual fornication: Jer.3:8 And I saw, when, for this very cause that backsliding Israel (non-Spirit filled) had committed adultery, I had put her away and given her a bill of divorcement, yet treacherous Judah (Spirit-filled who had the House of God in their midst.) her sister feared not; but she also went and played the harlot. 9 And it came to pass through the lightness of her whoredom, that the land was polluted, and she committed adultery with stones and with stocks. 10 And yet for all this her treacherous sister Judah hath not returned unto me with her whole heart, but feignedly, saith Jehovah. In the rest of the text, the overcomers who came out of bondage were brought to the Bride, Jerusalem. 14 Return, O backsliding children, saith Jehovah; for I am a husband unto you: and I will take you one of a city, and two of a family, and I will bring you to Zion: 15 and I will give you shepherds according to my heart, who shall feed you with knowledge and understanding ... 17 At that time they shall call Jerusalem the throne of Jehovah; and all the nations [gentiles] shall be gathered unto it, to the name of Jehovah, to Jerusalem: neither shall they walk any more after the stubbornness of their evil heart. Notice the overcomers shall escape and be given the LAND. 19 But I said, How I will put thee among the children, and give thee a pleasant land, a goodly heritage of the hosts of the nations! and I said, Ye shall call me My Father, and shall not turn away from following me. Notice, once again, that the wicked will not stay in the Land; the righteous who walk by faith will. S. Y. asked for one more verse and it was about the wicked breaking their arms, just like the dream. Psa.37:17 For the arms of the wicked shall be broken; But Jehovah upholdeth the righteous. The rest of the text fits, too. 18 Jehovah knoweth the days of the perfect; And their inheritance shall be for ever. 19 They shall not be put to shame in the time of evil; And in the days of famine they shall be satisfied. 20 But the wicked shall perish, And the enemies of Jehovah shall be as the fat of lambs: They shall consume; In smoke shall they consume away. A dear friend, Bolivar, asked God what would happen to the carnal Christians in the coming days and got: Isa.65:9 And I will bring forth a seed out of Jacob, and out of Judah an inheritor of my mountains; and my chosen shall inherit it, and my servants shall dwell there. 10 And Sharon shall be a fold of flocks, and the valley of Achor (troubling) a place for herds to lie down in, for my people that have sought me. 11 But ye that forsake Jehovah, that forget my holy mountain, that prepare a table for Fortune [to profit the flesh], and that fill up mingled wine unto Destiny; 12 I will destine you to the sword, and ye shall all bow down to the slaughter; because when I called, ye did not answer; when I spake, ye did not hear; but ye did that which was evil in mine eyes, and chose that wherein I delighted not. 13 Therefore thus saith the Lord Jehovah, Behold, my servants shall eat, but ye shall be hungry; behold, my servants shall drink, but ye shall be thirsty; behold, my servants shall rejoice, but ye shall be put to shame; 14 behold, my servants shall sing for joy of heart, but ye shall cry for sorrow of heart, and shall wail for vexation of spirit. Psa.125:3 For the sceptre of wickedness shall not rest upon the lot of the righteous; That the righteous put not forth their hands unto iniquity. 4 Do good, O Jehovah, unto those that are good, And to them that are upright in their hearts. 5 But as for such as turn aside unto their crooked ways, Jehovah will lead them forth with the workers of iniquity. Peace be upon Israel. Zep.3:11 In that day shalt thou not be put to shame for all thy doings, wherein thou hast transgressed against me; for then I will take away out of the midst of thee thy proudly exulting ones, and thou shalt no more be haughty in my holy mountain. 12 But I will leave in the midst of thee an afflicted and poor people, and they shall take refuge in the name of Jehovah. 13 The remnant of Israel shall not do iniquity, nor speak lies; neither shall a deceitful tongue be found in their mouth; for they shall feed and lie down, and none shall make them afraid. Amo.9:10 All the sinners of my people shall die by the sword, who say, The evil shall not overtake nor meet us. 11 In that day will I raise up the tabernacle of David that is fallen, and close up the breaches thereof; and I will raise up its ruins, and I will build it as in the days of old; 12 that they may possess the remnant of Edom [the Davids will conquer those who sold their birthright to be sons of Abraham], and all the nations that are called by my name, saith Jehovah that doeth this.

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, joins The Julia La Roche Show for "The Wrap with Chris Whalen" for his 2026 outlook.In this episode, Whalen warns of a market correction comparable to 2008, driven by carnage in private equity where hundreds of companies cannot be sold and sponsors are selling companies to themselves. After a decade-and-a-half Fed liquidity party, he predicts corporate credit will worsen in 2026, setting the stage for a housing market decline in 2027-28. Whalen reveals fraud has become epidemic in housing thanks to AI-altered bank statements, discusses the global power shift as Shanghai now sets gold prices (not Chicago or London), and explains why Powell will likely stay on the Fed board through 2028 to protect the institution - betraying Trump just like every Fed chair before him.Links:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  https://www.theinstitutionalriskanalyst.com/post/theira794Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/   Timestamps:0:00 Intro and welcome back to The Wrap with Chris Whalen01:25 2025 retrospective3:35 Big stories of 2026 05:30 Midterms 08:21 Maxi market correction coming alongside 2008 in textbooks15:09 Will Powell retire or remain on the board?16:45 Will we see a more hawkish Fed in 2026?17:50 Default rates21:25 What happens with housing in 202622:42 Drawing parallels to the Gilded Age26:29 Gold and silver - another good year ahead32:41 Viewer question: Annaly mortgage REIT common vs preferred36:48 What's on the radar next week: Big investment banks piece38:18 Wrap up and where to find Chris Whalen

David Chilton, author of The Wealthy Barber and one of Canada's most influential voices on personal finance, joins Doug Hoyes on Debt Free in 30 for an extra special double–long episode. Doug and David dig into the issues Canadians are struggling with most: the true cost of inflation, a "K-shaped" economy, housing affordability, rising student debt, the growing gap between financial knowledge and financial discipline, and more.  Subscribe to Debt Free Digest Newsletter – Don't Miss The Chance To Win a Copy of The Wealthy Barber Buy the Wealthy Barber on Indigo Buy the Wealthy Barber Audiobook The Wealthy Barber – David Chilton's Web Page 00:00 – David Chilton on the updated Wealthy Barber book 02:27 – Why storytelling works for personal finance (and how he tested it) 06:52 – TFSA vs RRSP: how to decide in real life 15:21 – Financial literacy vs discipline in today's economy 18:29 – "K-shaped" Canada: who's thriving and who's squeezed 21:27 – First steps: debt payoff vs RRSP match priorities 22:54 – Spending summaries vs budgets: the method that actually changes behaviour 34:29 – Housing affordability, down payments, and parental help 38:06 – Gambling, meme stocks, crypto: a fast-growing driver of debt trouble 55:16 – Hope and next steps: learning money basics + building side income Need Help With Debt? If debt is keeping you up at night, you don't have to endure forever. Talking to a Licensed Insolvency Trustee isn't about filing sooner — it's about understanding your options and reducing stress. Learn more at:  https://www.hoyes.com Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Recording on New Year's Eve for a show that drops just as 2026 begins, Jim Hill and Eric Hersey cover a full slate of Universal news, rumors, and unexpected updates before shifting into a classic Jim Hill history lesson. The episode starts in the present with major developments at Universal Orlando and ends in the late 1960s on the Hollywood backlot, tracing how one clever Tram Tour gag eventually led to one of Universal's most iconic fire-based attractions. NEWS • Universal Destinations and Experiences begins construction on Catchlight Crossings, a 1,000-unit affordable housing community near Universal Orlando • What's included in the development - retail, medical offices, community space, transportation hubs, and a tuition-free Bezos Academy preschool • How Catchlight Crossings fits into Universal's long-term Housing for Tomorrow initiative and who the community is designed to serve • Rumor watch - could Stephen King's It become a headline house at Halloween Horror Nights 2026, and how that would fit alongside Universal's existing horror icons • The planned reimagining of Universal Orlando's Horror Make-Up Show is delayed, keeping the attraction open longer than expected • Universal's seasonal Backlot Club holiday card game wraps up and whether it could become a recurring collectible • Wicked: For Good debuts as the most-watched PVOD title in the U.S. in a single day, with a breakdown of pricing and bonus features FEATURE • The surprising origins of Universal Studios Hollywood's Burning House and why it was added to the Tram Tour in the early 1970s • How Jay Stein, under Lew Wasserman's direction, searched for cheap, repeatable, four-minute-resettable spectacle after the success of the Flash Flood • A short-lived and controversial gorilla gag inspired by Tarzan that generated complaints from parents • The evolution from jungle sight gags to the Snow Cottage, movie magic illusions, and the push to let guests feel heat instead of cold • How the Burning House eventually paved the way for Backdraft and future flame-based Universal attractions HOSTS • Jim Hill - IG: @JimHillMedia | X: @JimHillMedia | Website: JimHillMedia.com • Eric Hersey - IG: @erichersey | X: @erichersey | Website: strongmindedagency.com FOLLOW • Facebook: JimHillMediaNews • Instagram: JimHillMedia • TikTok: JimHillMedia SUPPORT Support the show and access bonus episodes and additional content at Patreon.com/JimHillMedia. PRODUCTION CREDITS Edited by Dave Grey Produced by Eric Hersey - Strong Minded Agency SPONSOR This episode is brought to you by Be Our Guest Vacations. From Universal Orlando and Hollywood to Disney parks, cruises, and beyond, their Platinum-level concierge service takes the stress out of vacation planning. Learn more at beourguestvacations.com. If you would like to sponsor a show on the Jim Hill Media Podcast Network, reach out today. Learn more about your ad choices. Visit megaphone.fm/adchoices

High-income job losses are beginning to cool housing demand across the U.S. In this episode of Real Estate News for Investors, Kathy Fettke breaks down new labor market analysis from John Burns Research and Consulting, showing declines in tech, professional services, and finance jobs — the sectors that typically drive homebuying demand. We look at what's happening in key markets like Charlotte, Austin, Denver, and the Bay Area, and why the type of jobs being added matters as much as overall job growth for housing demand heading into 2026. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  SOURCE: https://jbrec.com/insights/job-growth-housing-demand-metro-analysis-2026/?utm_campaign=BMI&utm_medium=email&_hsenc=p2ANqtz-_WY5fbtpYHkIXKEUroJ1PkLDoej6qNyOpQB__jxCgvT-vzGJOD1Yi0lSSQnj1InWDHPDRQeyE9L0LpkslhPkbV5dA5gbPyybj__JyY7Q_avsvIIUs&_hsmi=395022546&utm_content=395022546&utm_source=hs_email 

In episode 53 of Wake Up to Wealth, Brandon Brittingham interviews Atticus LeBlanc, the founder of PadSplit, a revolutionary platform that is changing the landscape of affordable housing, as he shares his journey from a commercial real estate broker to creating a new asset class in real estate focused on room rentals.Tune in for insights that can transform your approach to wealth and real estate investment! SOCIAL MEDIA LINKSBrandon BrittinghamInstagram: https://www.instagram.com/mailboxmoneyb/Facebook: https://www.facebook.com/brandon.brittingham.1/Atticus LeBlancLinkedIn:  https://www.linkedin.com/in/atticus-leblanc-3960466/WEBSITESBrandon Brittingham: https://www.brandonsbrain.org/homePadSplit: https://www.padsplit.com/==========================SUPPORT OUR SPONSORS:Rocketly: https://rocketly.ai/Accruity: https://accruity.com/

This week we're looking back at the events of 2025, with our special guest Phil Ulrich. Rather than going at it chronologically, Matt consults a D8, which means we discuss one of our favorite things from the year which actually happened last: player housing! But there were a ton of things that happened in all of Blizzard's games this year, from Plunderstorm's return to Legion Remix, three Hearthstone expansions, and a ton of Diablo 4 seasons (though who can tell the difference between them). We also met new friends like Valentina, the lizard that was a part of a Hearthstonemarketing campaign we would die for, and King Krush, also a Hearthstone-based lizard. Probably a coincidence.The In Memoriam section this year is Warcraft Rumble. May it rest in peace.Then, all the other games that had us in a chokehold. But honestly, it's mostly the player housing.If you have a few minutes, please fill out our survey to tell us what you think about the podcast. This data is collected by our podcast host, Acast, and will be used to help us improve the show as well as attract potential sponsors. Your answers are completely anonymous. We appreciate your help!If you enjoy the show, please support us on Patreon, where you can get these episodes early and ad-free! Hosted on Acast. See acast.com/privacy for more information.

Send me a DM here (it doesn't let me respond), OR email me: imagineabetterworld2020@gmail.comToday I'm honored to introduce you all to: Institutional and ritualistic abuse survivor, whistleblower and overcomer, published writer and author, public speaker and podcaster, travel lover, campaigner of historical child abuse, and a man determined to speak out, challenge institutional defensiveness, and advocate for survivor-led accountability and change: Rafael Viola A little bit about Rafael and what you can expect to hear on today's episode: In the gritty underbelly of 1960s Britain, where poverty gripped families like a vice and the Catholic Church loomed as an unassailable pillar of holiness, a young boy named Rafael Viola was thrust into a nightmare that would test the limits of human endurance. Born in Glasgow, Scotland, Rafael grew up in a bustling household of many siblings amid the stark realities of deprivation. In 1969, at just nine years old, Rafael's family relocated to Coventry, England, seeking better fortunes. But the transition shattered him. A psychological test labeled him "severely retarded" - a misdiagnosis that would haunt him for years. His mother, unable to read or speak English fluently, unwittingly signed papers committing him to the care of the local authority. As a Catholic, he was sent to Croome Court, a so-called boarding school run by the Sisters of Charity of St. Paul's Apostle under the Birmingham ArchdioceseFrom the moment he arrived at nine and a half, Croome Court became a chamber of horrors. Housing around 150 children - many who were orphans, traumatized children, and children labeled as "feeble-minded" - the institution was a breeding ground for unimaginable atrocities. Nuns, priests, and staff wielded terror like a divine right.But the abuse went far beyond bruises. Priests and staff ritualistically raped, abused and tortured children, in a pattern dating back to the 1930s, as reports later revealed. Allegations of murder surfaced - two children killed by the same order of nuns. Rafael himself endured beatings, waterboarding, scrubbing filthy toilets in pajamas with drain fluid, and being locked in pitch-black cupboards for days without food. Today, Rafael stands unbowed - a messenger of truth, protected by a higher force. "I think I'm a messenger... I had to go through all that pain and suffering to tell my experiences." He amplifies survivors' voices, demanding justice, compensation, and change. "These atrocities are still going on... we have to stop it." CONNECT WITH RAFAEL: -Purchase his book "Stealing Lives": https://a.co/d/58ypG6m-X: https://x.com/RafaelViola17-Instagram: https://www.instagram.com/violarafael/TikTok: https://www.tiktok.com/@rafael_violaYouTube: @RafaelViola-l8p - https://www.youtube.com/@RafaelViola-l8pCONNECT WITH EMMA / THE IMAGINATION: YouTube: https://www.youtube.com/@imaginationpodcastofficial                    EMAIL: imagineabetterworld2020@gmail.com OR standbysurvivors@protonmail.comMy Substack: https://emmakatherine.substack.com/BUY ME A COFFEE: https://www.buymeacoffee.com/theimaginationVENMO: @emmapreneurCASHAPP: $EmmaKatherine1204All links:Support the show

Stocks ended lower this week with most discussion centered on the failed Santa Claus rally/lack of seasonal tailwind, while broader macro catalysts were limited. December FOMC minutes offered no surprises, and reinforced expectations for cautious, gradual easing in 2026 though division within the Fed remains a key focus point. Housing data modestly surprised to the upside, jobless claims declined w/w, and markets continued to look ahead to early-2026 catalysts.

Send us a textThe topic "Economy and Housing" is a recurring theme on the Norwegian Test (Norskprøven) at B2 level, and it is more relevant now than ever. To show the examiner that you master the language at a high level, everyday words are not enough. You must be able to discuss interest rates, inflation, and the Norwegian housing market with precise terminology.Many candidates find it challenging to find the right words to describe the current economic situation—often referred to in Norway as "dyrtid" (times of high prices).In this video from NLS Norwegian Language School, we walk through 15 advanced keywords with examples. Master these, and you can discuss your own and society's economy with confidence on test day!

Bloomberg Daybreak Weekend with Host Nathan Hager take a look at some of the stories we'll be tracking in the coming week. In the US – a look ahead to what’s in store for commodities and housing in 2026. In the UK – a look at the culinary and cultural trends to watch for in Europe next year. In Asia – a look ahead to why the Reserve Bank of Australia may be set to pivot to interest rate increases in the new year. See omnystudio.com/listener for privacy information.

Chris Stigall heads to Capitol Hill for candid conversations with two key House Republicans shaping the 2026 agenda.Rep. Mark Alford (MO-04) shares his journey from TV anchor to congressman, why he rejects midterm doom predictions, his vision for urban and rural Missouri, and his fiery take on the Tim Walz fraud scandal.Republican Study Committee Chairman August Pfluger (TX-11) explains the RSC's conservative blueprint, the push for health care competition over subsidies, and why the GOP is poised to defy history and hold—and grow—the majority.00:00:00 - Introduction00:00:25 - Interview: Rep. Mark Alford (MO)00:00:48 - From TV Anchor to Congressman00:01:59 - Representing Urban & Rural Missouri00:03:36 - Rejecting Victim Mentality00:05:26 - Hope & GOP Midterm Confidence00:08:36 - Tim Walz Fraud Scandal00:11:50 - Interview: RSC Chair August Pfluger (TX)00:13:10 - RSC Goals & Conservative Principles00:15:49 - Health Care: Competition Over Subsidies00:18:33 - Affordability & Young Voters00:20:17 - Energy, Housing & MAHA Accounts00:22:45 - Midterm Optimism & Trump Legacy00:25:32 - Faith and Freedom 250Follow The Lion on Facebook, Instagram, X, and YouTube. You can also sign-up for our newsletter and follow our coverage at ReadLion.com. To learn more about the Herzog Foundation, visit HerzogFoundation.com. Like and follow us on Facebook, X, and Instagram, or sign up to receive monthly email updates. #ChristianEducation #Education #EducationPolicy #EducationReform #FaithAndLearning #Family #FaithInEducation #Faith #Homeschool #ChristianSchool #PrivateSchool #EducationNews #News #Religion #ReligiousNews #PublicSchool #SchoolNews #NewsShow #SchoolChoice

Think the market needs to crash before you can buy? Think again. Discover why a flat market gives first-time buyers the edge in 2026.Most people are sitting around waiting for 3% interest rates or a price crash to make their move. But in this episode, David Sidoni explains why those waiting are missing the point — and the opportunity. 2026 may not bring exciting headlines, but that's exactly what makes it a powerful year for prepared first-time buyers.David walks listeners through seven buyer advantages coming in 2026, from expanded FHA loan limits to increased inventory from sellers breaking out of their “golden handcuffs.” He also highlights the regrets of past buyers — like overspending on fixer-uppers or getting stuck with mortgage payments that blew their budget — and shows how a smart plan can help you avoid them all.You'll hear why stable prices and interest rates, while boring to most, can actually help first-time buyers strategize, save, and succeed. If you're ready to stop waiting and start planning, this episode lays out exactly how to win in a flat market.“Flat is your friend. It gives you time to plan, save, and strategize without surprises.” - David SidoniHighlights7 common regrets first-time buyers face — and how to avoid themWhat a “flat” market really means, and why it's an advantageNew FHA loan limits for 2026 — including a $1.87M cap in Alaska and HawaiiWhy seller and builder incentives could disappear fast — and how to act before they doHow a unicorn team can help you sidestep costly inspection or mortgage mistakesA mindset shift: stop waiting for flashy deals and start creating your own successConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

One on One Video Call W/George https://tidycal.com/georgepmonty/60-minute-meetingSupport the show:https://www.paypal.me/Truelifepodcast?locale.x=en_USIn this powerful episode of the True Life Podcast, host George Monty delivers a hard-hitting “daily transmission” exposing how corporations and systems deliberately manufacture scarcity to drive profits, control populations, and prevent true abundance from reaching everyday people. Drawing on real-world examples from food, housing, medicine, and more, George reveals the patterns of consolidation, surplus destruction, and artificial shortages that keep society desperate and divided. He calls for recognition, documentation, and rebellion against this “scarcity weapon,” urging listeners to investigate local resources and demand the withheld plenty. This episode is a wake-up call to see beyond the narratives of inflation and supply chain issues to the engineered theft of abundance.Host: George MontyPodcast: True Life PodcastDuration: Approximately 10-15 minutes (based on transcript length)Release Date: Estimated based on content references (late 2025)Listen Here: Explore more episodes and connect with George Monty on the TrueLife platform. Key Timestamps & HighlightsGeorge's monologue flows as a continuous narrative, but we've broken it down into thematic sections with approximate timestamps for easy navigation:•  00:00 - 01:00: The Illusion of Struggle George opens by challenging the narrative that you're failing—it's engineered starvation in abundance. He prompts listeners to check their finances and see how earnings vanish despite higher pay, labeling it “2025's manufactured scarcity” designed for control and extraction.•  01:00 - 02:30: From Ancient Famines to Modern Engineering Contrasting natural famines with today's deliberate hunger, George highlights U.S. food production capacity (enough for 10 billion people) versus 34 million facing food insecurity amid record corporate profits.   He exposes the “machine that weaponizes emptiness.” •  02:30 - 04:00: Food Shortages Exposed•  2024 egg shortage: Not avian flu, but corporate consolidation by Cal-Maine Foods (20% market control), leading to tripled prices and $535 million in profits. •  2022-2024 baby formula crisis: Abbott's monopoly (43% market) caused shutdowns, boosting stock 34% while parents turned to black markets. https://www.theguardian.com/us-news/2025/apr/09/doj-egg-prices-rise-cal-maine-profits•  04:00 - 05:00: Housing and Tech Hoarding•  Housing crisis: 16 million vacant homes in the U.S. versus over 600,000 homeless, as empty properties prove more profitable. •  2025 semiconductor shortage: TSMC's alleged deliberate restrictions via leaked emails to maintain pricing, with chips stockpiled while car prices soar.  (Note: Related to trade secret leaks; broader shortage context available.)https://unitedwaynca.org/blog/vacant-homes-vs-homelessness-by-city/•  05:00 - 06:30: Surplus Destruction and Corporate Mandates George uncovers patterns of destroying goods under USDA/EPA/FDA protocols lobbied by corporations.  He cites the 2024 NASS report (Appendix G, p. 847) on 2.3 billion pounds of produce destroyed to avoid “market destabilization.”  Kroger's 2019 leaked memo advocates “optimal scarcity ratios” for urgency buying. https://www.usda.gov/about-usda/news/press-releases/2023/09/20/usda-expands-efforts-prevent-and-reduce-food-loss-and-wastehttps://www.nass.usda.gov/Charts_and_Maps/Crop_Progress_&_Condition/2024/index.phphttps://www.nationofchange.org/2024/09/03/corporate-greed-exposed-kroger-admits-to-price-gouging-on-milk-and-eggs-amid-antitrust-trial/•  06:30 - 08:00: The Scarcity Playbook Step-by-step breakdown: Consolidate supply, engineer shortages (restrict, destroy surplus), profit from desperation. Blame shifts to weather or labor, not architects.•  08:00 - 10:00: Historical and Ongoing Examples•  2008 housing crisis: Banks held 3.5 million foreclosures as “shadow inventory” to keep prices high. https://en.wikipedia.org/wiki/Subprime_mortgage_crisis•  2020 toilet paper: Procter & Gamble and Georgia-Pacific (55% control) restricted distribution for 300% price surges at 64% capacity. https://www.resourcewise.com/market-watch-blog/are-we-really-running-out-of-toilet-paper-in-the-covid-crisis•  2021 lumber: Weyerhaeuser and West Fraser (40% control) quadrupled prices with underused mills. https://markets.businessinsider.com/news/stocks/lumber-prices-hit-record-highs-soaring-past-year-2021-4-1030299977•  2023 prescription drugs: Wholesalers like McKesson, Cardinal, and AmerisourceBergen (95% control) restrict insulin ($2 production cost) amid shortages. https://www.mmm-online.com/home/channel/drug-shortages-in-america/•  2025 water: Nestlé, Coca-Cola, Pepsi (75% bottled water) amid contaminated public supplies. https://www.grandviewresearch.com/industry-analysis/bottled-water-market•  10:00 - 11:30: Broader Patterns of Waste Amazon destroys 2 million unsold products yearly for scarcity pricing.  Pharma discards effective expired meds.  Energy firms flare gas for 10 million homes.  McKinsey's 2023 report recommends 15-20% below-demand inventory for margins.  Supply chain “disruptions” post-2020? Traffic normalized by Q3 2021, but prices stayed high via throttling. https://www.ethicalconsumer.org/ethical-campaigns-boycotts/amazons-burning-approach-unsold-returned-productshttps://pmc.ncbi.nlm.nih.gov/articles/PMC10834166/

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureCanada is having problems, they are following the green new scam, since Trump placed tariffs on Canada they are desperately trying to find trading partners.Trump shows how windmills kill birds, where are all the environmentalist. The EU is now pushing the CBDC, Trump’s economy will overshadow the rest of the world. The people of this country and others must see the criminal syndicate. Without seeing it they people would have never believed there was a criminal syndicate. Trump has the leverage, more is coming in 2026 and after the midterms Trump is going to unleash hell on the [DS]. Every crime, scam and violation of the Constitution will be exposed. Justice is coming. Economy Canada Trying to Find Trade Partners   Prime Minister Mark Carney reflects a particular reality of the problem their economy will face in 2026. It appears that Canadian government officials have finally recognized the Trump administration plans to dissolve the USMCA or what Canada calls CUSMA next year.  With that reality they have a big problem. Mexico has been working throughout the year to initiate economic policies in alignment with the United States.  However, structurally and politically this is an alignment that is impossible for Canada to do.  Like many contracting European countries, the economic policies of Canada are centered around their climate change agenda and green energy goals. In order for Canada to position their economy to be in alignment with the rest of North America (USA and Mexico), Carney would have to reverse years of legislated rules and regulations.  That is not going to happen, and Canada will always be at a disadvantage because of it.   With three quarters of their economic production tied to exports into the USA, and with the USMCA likely to be dissolved in favor of a bilateral trade agreement, Canada now has to find other markets for its products or lower all the trade barriers currently in place.  Prime Minister Mark Carney is trying to find alternative markets. Carney has looked toward Europe, but that is a closed trade bloc difficult to engage.  Carney has looked to southeast Asia, but that is an export driven market with limited capabilities to import costly western products.  Carney has looked to Japan and China, but on scale there's little to be gained. The question is, where can Canada send its products if not to the USA.   The brutally honest answer is nowhere.  There just isn't any other market, or combination of markets, who could replace the consumer base of the USA.  Canada is refusing to admit this reality and 2026 is going to be a harsh awakening for the Canadian people. Source: theconservativetreehouse.com  https://twitter.com/DC_Draino/status/2006140340068291046?s=20  – A 2025 Trump administration initiative aims to enforce $1 million fines per bald eagle death. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Initial Jobless Claims End 2025 Near Record Lows The number of Americans filing for jobless claims for the first time plummeted last week to 199k – the lowest since the Thanksgiving week plunge and pretty much the lowest since Source: zerohedge.com https://twitter.com/amuse/status/2006392860006846799?s=20   to give them a shot at winning the midterms. https://twitter.com/CynicalPublius/status/2006141249045291038?s=20   went to the liquor store again and tried to buy €100 worth of booze using the government-run digital currency on your iPhone, but your transaction gets rejected. Why? Because some Eurotrash EU bureaucrat decided that it’s unhealthy for you to buy so much liquor in such a short period of time, so you gets nothing. And you have no recourse, because you have become a serf whose life is at the discretion of the government. (As an aside, single-payer, government-funded healthcare will work in synchronicity with this, deciding what is best for you health-wise, because after all it’s not fair that other citizens must pay for your cirrhosis and bad judgment.) You have been warned, Europe. Political/Rights https://twitter.com/SecDuffy/status/2006203195165462545?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006203195165462545%7Ctwgr%5Ebc322e2414802c704b50bc3c2955bae6d38269c1%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Frusty-weiss%2F2025%2F12%2F31%2Fgavin-newsom-tries-to-keep-illegals-on-the-road-a-little-longer-sean-duffy-immediately-cuts-him-off-n2197630 including cutting nearly $160 million in federal funding. https://twitter.com/nicksortor/status/2006168699502215508?s=20   The Attorney General or the Deputy Attorney General can get involved in any DOJ matter they choose. It'a not a judge's job to get in the middle of those internal deliberations. That's a serious violation of the separation of powers. The American voters want violent illegals out of our country. Waverly D. Crenshaw Jr., a Nashville Obama judge, needs to get back in his lane. https://twitter.com/HansMahncke/status/2006046386190422054?s=20   on taxpayers, should not exploit welfare systems built by the native population, should speak the language, assimilate into the host society, respect its laws and norms, and should not receive special carve-outs like separate schools, parallel institutions or different rules. If even these minimal basics can no longer gain agreement, then there is no realistic path to fixing the system at all. DOGE Geopolitical https://twitter.com/FBIDirectorKash/status/2005795643126595959?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2005795643126595959%7Ctwgr%5E813dbbc99cf3dee762087820edf11e55af9622ca%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fjenniferoo%2F2025%2F12%2F30%2Fisis-in-texas-fbi-arrests-man-who-helped-fund-global-terrorist-organizations-n2197594   propaganda, sent cryptocurrency believing it would fund terrorist activity, and attempted to deliver materials intended for explosive devices. This is radical Islamic terrorism, and it was identified and stopped. Great work by our FBI teams @FBIDallas and great law enforcement partners. https://twitter.com/visegrad24/status/2006157155666182556?s=20 https://twitter.com/AAbsaroka/status/2005723457997484150?s=20 https://twitter.com/WarClandestine/status/2006176939854196897?s=20 https://twitter.com/Osint613/status/2005961263419883887?s=20 https://twitter.com/Osint613/status/2006095673423179995?s=20 https://twitter.com/USABehFarsi/status/2005874044319436965?s=20 Courage if it were a picture…This is a black-and-white aerial photo depicting a scene from protests in Iran (likely Tehran, based on the post’s hashtags). It shows a lone individual standing defiantly in the street, holding a long pole or banner horizontally, facing a group of about a dozen uniformed security forces or riot police on motorcycles. The image symbolizes courage in the context of human rights and anti-regime demonstrations. War/Peace https://twitter.com/visegrad24/status/2006367551878844863?s=20 https://twitter.com/MyLordBebo/status/2006295058492882982?s=20 https://twitter.com/visegrad24/status/2006107978504524105?s=20 Zelenskyy Urges Trump to Visit Ukraine to Seal Russia Peace Deal Ukrainian President Volodymyr Zelenskyy suggested that President Donald Trump should visit Ukraine to help close a peace deal with Russia. Zelenskyy specifically urged Trump to travel directly into Ukraine rather than entering through Poland, arguing that such a visit would demonstrate confidence that a ceasefire is within reach. Source: newsmax.com Medical/False Flags [DS] Agenda Biden Housing Scandal EXPLODES: HUD Report Reveals Over $5 Billion in Questionable Rental Aid, Including Payments to Dead People and Non-Citizens  A bombshell federal report has blown the lid off yet another massive Biden-era taxpayer scandal — this time inside the U.S. Department of Housing and Urban Development. According to HUD's own Fiscal Year 2025 Agency Financial Report, more than $5 billion in rental assistance payments during the final year of the Biden regime were flagged as “questionable” or improper, exposing systemic failures, nonexistent oversight, and breathtaking incompetence at the federal level. Among the most jaw-dropping revelations: tens of thousands of payments were made to people who were already DEAD, and thousands more went to recipients who may not have even been eligible to receive taxpayer-funded housing assistance at all, the New York Post first reported. Buried in the HUD report is a stunning admission that federal systems failed to stop payments to 30,054 deceased individuals who were either still listed as active tenants or continued receiving rental assistance after their deaths. HUD officials acknowledged that only after cross-checking Treasury databases did they finally identify the scope of the problem — meaning for years, taxpayers were unknowingly footing the bill for people who no longer exist. “[Over] 30,000 dead people receiving housing isn't an accident — it was systematic fraud by Biden and the left. HUD will hold those who defrauded the American taxpayers accountable,” HUD Secretary Scott Turner wrote on X. According to the report:   “large concentration” of these questionable rental assistance funds flowed to Democrat-run strongholds, including: New York California Washington, D.C. Yet payments to deceased recipients were found in all 50 states, proving the rot was nationwide. Source: thegatewaypundit.com https://twitter.com/CynicalPublius/status/2006068825272508679?s=20   to U.S. citizens. See 8 U.S.C. § 1623(a). There are no exceptions. Virginia violates it nonetheless. This court should put an end to this and permanently enjoin the enforcement of provisions of the Virginia Education Code that directly conflict with federal immigration law. Virginia Code §§ 23.1-502 and 23.505.1 explicitly classify illegal aliens as Virginia residents based on certain conditions. That classification makes illegal aliens eligible for reduced in-state tuition and state-administered financial assistance for public state colleges and universities while U.S. citizens from other states are ineligible for the reduced tuition and must pay higher out-of-state tuition rates. This is not only wrong but illegal. The challenged act's discriminatory treatment in favor of illegal aliens over U.S. citizens is squarely prohibited and preempted by federal law, which provides that “an alien who is not lawfully present in the United States shall not be eligible on the basis of residence within a State . . . for any postsecondary education benefit unless a citizen or national of the United States is eligible for such a benefit . . . without regard to whether the citizen or national is such a resident.” 8 U.S.C. § 1623(a) (emphasis added). The challenged act, as applied to illegal aliens, is thus unconstitutional under the Supremacy Clause of the United States Constitution. This Court should declare Virginia's law, as applied to illegal aliens, preempted and permanently enjoin its enforcement.” https://twitter.com/jonesville/status/2006273719602475506?s=20 https://twitter.com/thehoffather/status/2006240702213099815?s=20 https://twitter.com/libsoftiktok/status/2006327355166589007?s=20 https://twitter.com/MZHemingway/status/2006031707724546400?s=20 https://twitter.com/EndWokeness/status/2006038706893836481?s=20 https://twitter.com/HansMahncke/status/2006393802714439774?s=20 https://twitter.com/amuse/status/2006028437899862286?s=20  Patronage System here in America AND help them successfully assimilate. https://twitter.com/HHS_Jim/status/2006136004294664464?s=20  against the blatant fraud that appears to be rampant in Minnesota and across the country: 1. I have activated our defend the spend system for all ACF payments. Starting today, all ACF payments across America will require a justification and a receipt or photo evidence before we send money to a state. 2. Alex Adams and I have identified the individuals in @nickshirleyy ‘s excellent work. I have demanded from @GovTimWalz a comprehensive audit of these centers. This includes attendance records, licenses, complaints, investigations, and inspections. 3. We have launched a dedicated fraud-reporting hotline and email address at https://childcare.gov Whether you are a parent, provider, or member of the general public, we want to hear from you. We have turned off the money spigot and we are finding the fraud. @ACFHHS @HHSGov https://twitter.com/DOGE_HHS/status/2006145075315929532?s=20 will expand the system to support itemized receipts and photographic evidence, and make all data/receipts, where possible, available to the public. https://twitter.com/CynicalPublius/status/2006120694497857977?s=20   move to another state that is honest. Make sense? https://twitter.com/C__Herridge/status/2006091693259636775?s=20  alleges the probes were “buried” because it potentially implicated Biden Administration allies •Between late May 2025 and December 2025 FBI had 16 open investigations into approximately 32 healthcare and homecare providers accused of fraud •Described as massive, joint investigations including HHS Inspector General, Medicaid Fraud Unit, IRS, Postal Inspectors, MN Attorney General, MN Department of Education,  and others Probes Now Expanding In Minnesota, Investigators Are Exploring Nation-wide Fraud Schemes •FBI Surging forensic accountants and data analytics teams to MN •Identifying fraud, then “following the money” to see the “entire web” •Investigating potential links to elected officials and terrorist financing •Potential criminal violations include public corruption, fraud, cyber fraud, healthcare fraud, homecare fraud, money-laundering Investigations Include Federal Nutrition Programs •These investigations including day care facilities are exploring links to alleged fraud involving federal nutrition programs •The Feeding our Future probe exposed an alleged $250m fraud scheme that obtained federal funding during COVID for nutrition programs but almost NO meals were provided to children •It's alleged the monies were laundered through multiple entities to enrich the participants •78 have been indicted, 57 convicted, two found not guilty among the group. Just a heads up that Patel and Trump's FBI have been all over the Minnesota fraud thing for months, 78 people have already been indicted, and Kash is openly admitting that this was buried by the Biden admin. That’s not how FBI & DOJ work. Criminal investigations take months. Trials take years. No one knows yet if Bondi & Kash will measure up. It’s too early to tell. WATCH: Karoline Leavitt Says Trump “Not Afraid to Use Denaturalization” Against Somali Fraudsters — Search Warrants Being Executed and “People Will be in Handcuffs” Denaturalization, also known as revocation of naturalization, is the legal process by which the U.S. government revokes the citizenship of a naturalized U.S. citizen, effectively stripping them of their citizenship status. This is not a process that private individuals can initiate or “do” themselves; it is exclusively handled by the federal government through judicial proceedings in U.S. district court. It cannot be done administratively by U.S. Citizenship and Immigration Services (USCIS) alone, following a court ruling in 2000 that limited such authority. Grounds for DenaturalizationUnder the Immigration and Nationality Act (INA), denaturalization can only occur based on specific legal grounds. These include: The individual did not meet statutory requirements for naturalization at the time, such as lawful permanent residence, good moral character, required periods of residence or physical presence, or attachment to the principles of the U.S. Constitution (INA 316 and INA 340(a)).  The person hid key information or lied during the naturalization process (e.g., on Form N-400 or in interviews), and this directly led to approval. The fact must be “material,” meaning it could have influenced the decision (INA 340(a); see Supreme Court case Kungys v. United States, 485 U.S. 759 (1988)). Within five years after naturalization, the person joins or affiliates with the Communist Party, a totalitarian party, or a terrorist organization, which is seen as evidence of lacking attachment to the U.S. Constitution (INA 313, INA 340(c), and INA 316(a)(3)). For those who naturalized based on U.S. military service, revocation can occur if they receive a discharge under other-than-honorable conditions before completing at least five years of honorable service (INA 328(f) and INA 329(c)). These grounds apply only to naturalized citizens (those who went through the full process, including application, interview, approval, and oath). U.S.-born citizens cannot be denaturalized under these provisions. The process is initiated and pursued by the government, not individuals. Here’s a high-level overview:  USCIS or other agencies (like the Department of Homeland Security) identify potential cases through audits, investigations, or tips about fraud or ineligibility. If there’s sufficient evidence, USCIS refers the case to the Department of Justice (DOJ) via the U.S. Attorney’s Office. Coordination happens through USCIS’s Office of the Chief Counsel. Judicial Proceedings: The DOJ files a complaint in federal district court under INA 340(a). The government must prove its case by “clear, convincing, and unequivocal evidence” that leaves no doubt. This is a high standard, and the process can take years. Criminal Revocation: If the case involves fraud, the DOJ may pursue criminal charges under 18 U.S.C. 1425 (unlawful procurement of citizenship). A conviction automatically revokes naturalization under INA 340(e), with proof required beyond a reasonable doubt. If the court rules in favor of revocation, it issues an order canceling the Certificate of Naturalization, which the person must surrender. Citizenship is revoked retroactively to the original naturalization date, reverting the individual to their prior immigration status (often lawful permanent resident, but this could lead to deportation proceedings under INA 237). USCIS updates records and notifies the Department of State. Denaturalization is rare—historically, around 22,000 cases occurred in the 20th century, often tied to wartime or political contexts—but it has been used more in recent years for fraud cases. https://twitter.com/EricLDaugh/status/2006013185355112758?s=20   fraud in a ginormous scale. Minnesota also lets one person vouch for 8 migrant voters’ eligibility to vote WITHOUT them having to prove it! Minnesota needs to clean house, NOW. https://twitter.com/StephenM/status/2006079447922008292?s=20 President Trump's Plan  https://twitter.com/FBIDDBongino/status/2006087308404314365?s=20   disrupted (210% increase) -2,000+ kilos of Fentanyl seized (up 31%), enough to kill 130 million Americans -Nihilistic Violent Extremism arrests up 490% -Over 6,000 child victims located (up 22%) -Historic drop in U.S. murder rate. Please read the post from Director Patel for more details on the progress that has been made, and is ongoing. https://twitter.com/WarClandestine/status/2006091717074903047?s=20 https://twitter.com/Kimberlyrja8/status/2006193599365423586?s=20 LISTEN  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

A Washington Republican takes on housing aid loophole that is pushing homebuyers out of purchases. Democrat Congressman Bennie Thompson says Trump’s strikes on Narco boats are illegal and tantamount to war crimes. FCC Chair Brendan Carr butted heads with Senators on Capitol Hill about his handling of the Jimmy Kimmel situation. // Big Local: An arrest has been made in the case of the Everett dog that was tied up and left in a Dumpster. A Spokane settled with the city after her basement was filled with sewage. An Everett man was sentenced for blowing up a Black couple’s car in what appears to be a racially motivated attack. // You Pick the Topic: Far-left commentator accused fitness influencer Jillian Michaels of being a ‘white nationalist,’ but there was one problem with this claim.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about his 2026 housing forecast for the 10-year yield, mortgage rates and home prices. Related to this episode: Logan Mohtashami's 2026 housing forecast HousingWire Youtube More info about HousingWire To learn more about Trust & Will, click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

As the clock winds down on the year, we're closing things out with fireworks — both literal and political.

What does it take for a county to move toward functional zero for homelessness?In this episode of the Conduit Street Podcast, hosts Karrington Anderson and Dominic Butchko sit down with Kelly Cimino, Director of the Howard County Department of Housing and Community Development, to unpack The Path Toward Zero, Howard County's ambitious five-year plan to end homelessness.Kelly walks through what “functional zero” really means in practice, why homelessness is fundamentally a housing supply challenge, and how counties can align prevention, diversion, shelter capacity, and permanent housing to better serve residents. The conversation explores the realities counties face today: limited affordable housing, rising costs, federal funding uncertainty, and the need for strong partnerships with nonprofits, healthcare providers, landlords, and the broader community.Listeners will also hear how Howard County is using innovative tools, from landlord guarantee programs to non-congregate shelter models, to build capacity, respond quickly to crises, and keep residents housed whenever possible. This episode offers valuable insights for county leaders, policymakers, and anyone interested in how local governments are addressing one of the most complex challenges facing communities today.Follow us on Socials!MACo on TwitterMACo on Facebook

Morning Glory with Ian Collins Hosted on Acast. See acast.com/privacy for more information.

Finding belonging on college campuses is a specialty for Dr. Kevin Reese, an an experienced higher education professional with over fifteen years of experience working in a variety of roles that provide academic, personal, and professional support for college students that represent diverse and multifaceted backgrounds. Dr. Kev has experience in Admissions and Enrollment Management, Residence Life, Housing, Multicultural Affairs, Diversity and Inclusion, New Student Orientation, Student Organization Advising, Student Conduct, Public Speaking, Leadership Training and Development, and Event Planning. Founder of The Vision of Excellence Scholarship Program (2015) which is geared to assist Black males in their quest of higher education. He's also the Founder of the Wednesday Experience Podcast (2021) which takes listeners on a journey of life, laughter and wisdom! In episode 630 of the Fraternity Foodie Podcast, we find out why Dr. Kev chose Kentucky State University for his undergraduate experience, what drew him into higher education and what's kept him committed for over 15 years, how pursuing a doctorate changed the way he approaches his work with students, what separates performative leadership from impactful leadership in student organizations, what small but powerful shifts student leaders can make to improve their chapter culture immediately, how to find belonging on college campuses, what behaviors most often signal that a student organization is heading in the wrong direction, what communication mistakes he sees student leaders make most often when addressing their peers, what he learned about himself through podcasting, and what advice he would give a 19-year-old fraternity or sorority member who wants to leave a positive legacy. Enjoy!

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe WSJ is predicting higher electricity costs in 2026. Trump is bringing down the cost of energy and implementing new energy sources. Electricity increased because of the the green new scam. Trump is now going after the Federal Reserve for gross incompetence, this will lead to exposing the Fed’s criminal activity. The [DS] infiltrated Congress going all the way back to 1929, the continued to present day. They made it so they have the ability to control those people they install. There are no term limits, this allows these people to stay in their positions for a very longtime. Trump is now setting the stage to return the power back to the people. This is much bigger than a few arrests. Economy Average Electricity Rates by State, What Do You Pay?  Hawaii and California have the highest rates. Idaho the lowest. Average Residential Electricity Rates by State   Electricity Cost 10 Lowest States Be Prepared to Keep Paying More for Electricity The Wall Street Journal says Be Prepared to Keep Paying More for Electricity Source:  mishtalk.com  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/ElectionWiz/status/2005964583727780156?s=20 https://twitter.com/EricLDaugh/status/2005751158149615698?s=20  Trump claims the project has overrun by $4 billion (he mentions $4.1 billion total for “a few small buildings”), calling it the “highest price in the history of construction.” He contrasts this with his own White House ballroom project, which he says is under budget and ahead of schedule despite its cost doubling to $400 million from an earlier $200 million estimate.  Yes, discovery could occur—if the case advances past initial hurdles. This would allow Trump’s side to subpoena Fed documents, emails, financial records, and testimony related to the renovations. This could effectively let them “look into” specific aspects of what the Fed has been doing, such as budgeting, contracting, and project management for the HQ overhaul. Discovery rules under the Federal Rules of Civil Procedure are broad, potentially uncovering internal Fed communications or decisions tied to the alleged incompetence.    Trump could request a GAO investigation into the HQ project overruns. Political/Rights Longtime Democrat George Clooney and His Family Ditch America, Move to France, and Secure French Citizenship Hollywood elitist and longtime Democrat activist George Clooney has officially joined the growing list of wealthy, left-wing celebrities who preach “American values” while quietly distancing themselves from the United States. Clooney, along with his wife, Amal Alamuddin Clooney, and their two children, has reportedly obtained French citizenship through a naturalization decree. The couple's 8-year-old twins, Ella and Alexander, were included in the process.  Clooney went on to explain that he feared raising his children in Los Angeles. “I was worried about raising our kids in L. A., in the culture of Hollywood. I felt like they were never going to get a fair shake at life. France—they kind of don't give a shit about fame. I don't want them to be walking around worried about paparazzi. I don't want them being compared to somebody else's famous kids.” Source: thegatewaypundit.com https://twitter.com/RichardGrenell/status/2005844962769064196?s=20 beliefs. Boycotting the Arts to show you support the Arts is a form of derangement syndrome. The arts are for everyone and the left is mad about it. https://twitter.com/Oilfield_Rando/status/2005834821503705445?s=20 DOGE Geopolitical New Report Appears to Confirm Covenant School Shooter Audrey Hale Bought Guns With Student Loan Money The FBI has just released more pages from the manifesto of Covenant School shooter Audrey Hale, which suggest that she bought the guns used in the 2023 shooting with money she had from a Pell Grant. Hale's parents suggested this two years ago and this report appears to confirm that. The Tennessee Star reports: Latest FBI Release of Covenant School Manifesto Files Appears to Confirm Trans-Identified Killer Bought Guns with Pell Grant Money The FBI on Monday released another 230 manifesto pages written by Audrey Elizabeth Hale, the biological female who identified as a transgender man on March 27, 2023, when the 28-year-old killed six at the Covenant School in Nashville, the Christian elementary school she once attended. This latest journal appears to have been written sometime in late 2021, and includes lengthy sections about the weapons the killer planned to use to commit a mass shooting at a school sometime that year. Following multiple pages full of weapons to purchase, the journal includes a page labeled “Account Savings Record,” which appears to reference the Free Application for Federal Student Aid (FAFSA). It also records multiple payments received from Nossi during the period when Hale attended the Nossi College of Art and Design in Nashville. “FASFA [sic] grant checks started at $2,050.86,” wrote Hale at the top of the entry. The page then lists a series of apparent ledger entries, starting with, “$2,656.87 (x3 checks from Nossi).” The next ledger entry states, “+$530.00 (x1 check Nossi) ($3,186.87).” This reference to Hale's federal student aid, located in the writings next to her entries about guns she considered buying, appears to corroborate the claims made by her parents to Metro Nashville Police Department (MNPD) detectives in 2023, when they told law enforcement their child purchased the firearms using federal Pell Grant money.  Source: thegatewaypundit.com https://twitter.com/Noahpinion/status/2005425950306263265?s=20 War/Peace https://twitter.com/disclosetv/status/2005747398614847766?s=20 https://twitter.com/WhiteHouse/status/2005757621278761205?s=20 Trump clarifies that if Hamas do not disarm like they promised, that any number of the 59 countries who signed onto the peace deal, will completely wipe out Hamas.  Protests Erupt Across Iran As Angry People Flood Streets  The mullahs have ruled in Iran since 1979. So you had millions that went to helping to prop up the terrorist state. But the Iranians are a persistent people, it would appear, especially when you hurt them in their wallets and make it challenging to survive. We’re at another one of those moments in history where hope has sparked again in the country, and people are in the streets, calling for change. Nationwide strikes and protests by merchants continued across Iran, with shops shuttered in major commercial hubs including Tehran's Grand Bazaar, Lalehzar Street, Naser Khosrow and Istanbul Square. Demonstrators chanted anti-government slogans calling for the downfall of the ruling clerics and demanding the leadership step aside. Video circulating online showed protesters inside a major shopping complex in Tehran's Grand Bazaar chanting, “Have no fear, we are all together,” while hurling insults at security forces and calling them shameless. Source: redstate.com Crushed by inflation, soaring living costs, and a future stolen by the regime, Iranians are back in the streets to protest. In a chilling echo of Tiananmen's Tank Man, one man defiantly sits down before the riot police. Desperation has met courage. Funds have been cutoff to the Mullahs/DS. They will lose control in the end and the people will rise up and take back their country. Cyber attacks ‘tipping point' warning issued after Harrods and M&S targeted Cyber attacks surged into prominence in 2025, inflicting significant financial damage on major British businesses and exposing widespread vulnerabilities across the economy. High-profile targets included automotive giant Jaguar Land Rover, retail stalwart Marks & Spencer, and luxury department store Harrods, underscoring how firms of all sizes are susceptible to sophisticated digital threats. Andrew Bailey, governor of the Bank of England, articulated his belief that cyber attacks represent one of the most substantial threats to UK financial stability, stressing the “critically important” need for collaborative defence. He stated: “Cyber attacks are far from new, but 2025 has shown just how deeply cyber risk is intertwined with economic stability and business continuity.” Source:  uk.news.yahoo.com  President Trump Responds to the 91-Drone Attack on Putin's Residence in Novgorod region During an impromptu press availability beside Israeli Prime Minister Benjamin Netanyahu, President Trump responded to a question about a drone attack against the personal residence of Russian President Vladimir Putin. President Trump noted that he was informed of the attack by President Putin during an early Monday phone call between the two leaders. Ukraine President Volodymyr Zelenskyy has denied the accusation that Ukraine carried out this particular attack.  The attack took place while Zelenskyy was in Florida meeting with President Trump. U.S. media have said the attack on Putin may be a lie; however, with physical evidence from the defense operation, it is less likely Russia just made up the attack.  At this moment in the conflict, Putin doesn't need domestic propaganda. CONTEXT: British intelligence previously confirmed their participation in the successful Ukraine drone attack against long-range Russian bombers.  That operation, highly controversial at the time, was previously confirmed by President Trump saying the U.S. was not informed in advance. The “coalition of the willing” has also expanded.  Outside the Ukraine regime, the current group making up the “coalition of the willing” includes: the U.K, France, Germany, Canada and Australia.  It is worth noting the additions are all part of the British commonwealth (U.K, Canada, Australia).   I suspect the British did it Source: theconservativetreehouse.com https://twitter.com/KobeissiLetter/status/2005810672672624746?s=20   and utilities have materially underperformed the broader market over the last few years. This has been fueled by the outsized gains in the US technology sector. A similar pattern occurred during the 1990s, while the opposite took place during the 2008 Financial Crisis, when global defensive stocks outperformed. Defensive sectors are lagging. Medical/False Flags [DS] Agenda Soros family reportedly donated more than $71,000 to Letitia James campaigns Leftist billionaire George Soros and members of his family have donated more than $71,000 to political campaigns supporting New York Democratic Attorney General Letitia James since 2019, according to a report published Sunday by the New York Post. The report, citing campaign finance records, said the total includes $31,000 contributed toward James' 2026 reelection bid. Soros personally donated $18,000 in July 2024, while his daughter-in-law, Jennifer Soros, contributed $13,000 in May. With earlier donations included, Soros and his family have provided James with roughly $40,000 more since 2019, the Post reported. The figure does not include the indirect support James has received through left-leaning organizations backed by Soros. The report said Soros' Open Society Foundations have given more than $865,000 to the New York branch of the Working Families Party since 2018. Source:  rsbnetwork.com  https://twitter.com/SteveRob/status/2005683753432351171?s=20 https://twitter.com/mazemoore/status/2005361462580011272?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2005361462580011272%7Ctwgr%5E084f3c4b7bd7fa1059f91dab99d5e9dce1ab3cec%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fnick-arama%2F2025%2F12%2F29%2Fthis-didnt-age-well-what-tim-walz-said-about-child-care-providers-during-2024-debate-n2197568 in Minnesota.” Yes Tim, you sure did make it easy for people to open childcare businesses. They don’t even need to provide childcare to get paid. https://twitter.com/amuse/status/2005702559239946273?s=20  admitted to the scheme and was sentenced to 10 years in prison for his role in the underlying fraud, with nearly $48 million ordered in restitution. Separate sentencing remains pending for the bribery conviction. https://twitter.com/CollinRugg/status/2005794263091798284?s=20   in there until today. That parking lot is empty all the time, and I was under the impression that place is permanently closed,” a local said. About 20 kids were seen “streaming in and out” of the center, according to the Post. “You do realize there's supposed to be 99 children here in this building, and there's no one here?” Shirley said in his viral video. The owner’s son, Ali Ibrahim, claims Shirley came before they opened and is blaming their graphic designer for messing up the sign. “What I understand is [the owners] dealt with a graphic designer. He did it incorrectly. I guess they didn't think it was a big issue,” Ibrahim said https://twitter.com/MrAndyNgo/status/2005812805786607882?s=20   children for the cameras. https://twitter.com/libsoftiktok/status/2005766571487289395?s=20   citizens.” – MN AG Keith Ellison https://twitter.com/amuse/status/2005871452562555304?s=20  shootings the morning of Saturday June 13th at approximately 2:30am and 3:30am, in around [unclear] that I will probably be dead by the time you read this letter. I wanted to share some info with you that you might find interesting. I was trained by U.S. Military people off the books starting in college. I have been on projects since that time in Eastern Europe, North America, the Middle East, and Africa. All in the line of duty what I thought was right and in the best interest of the United States. Recently I was approached about a project that Tim Walz wanted done, and Keith [unclear] was also aware of the project. Tim wanted me to kill Amy Klobuchar and Tina [unclear]. Tim wants to be a senator and he doesn't trust [unclear] to retire as planned and this is meant to stay in the last mile with Amy & [unclear] gone. Tim would get one of the open senate seats, and [unclear] was to be VP, and Keith Ellison would be rewarded with a lucrative governing position. I told Tim I wanted nothing to do with it and that I didn't call off that plan I would go public. He said he would call it off himself if I didn't play ball. Then he set up a meeting with me and [unclear] and [unclear] to take care of me when I refused. They had some people waiting to kill me. I was able to get away by God's mercy. So I went back a short time later and shot back at [unclear]. You should notice how I didn't fire me rounds at any police officers and by God I have plenty of opportunity. Ask for the report on how many weapons and ammunition I had with me. Cops were pulling up right next to me in unmarked vehicles and I had an AK pistol across my lap. And I could have left a pile of cops dead but I did not. Short burst towards law enforcement. You can ask them. Because I snapped the police and chose not to see them hurt. But it may end up my wife and kids next time. I won't give them a pass. If you think I'm making this up just get on the phone and tell Tim you have a few questions for him. Then ask Tim Walz if he knows me and see what he says? If he says he doesn't know me, or never met me, look in the files and you will see that Tim personally approved me to be on his Governor's workforce. Bridges are the business representatives. He is probably trying to destroy that note but it is public record. Then ask Tim Walz why they kept the shots silent from the media when they first happened. Not a word in the press and I. Why? They needed to get their stories figured out. So everyone was on the same page about what happened. Tim is probably crapping bricks right now because I'm still at large and he knows what I can disclose and that I know about all the buried skeletons are. So I will be shot on sight you can bet on that. If you want me to turn myself in it need to be directly to you and then I need to be held at a military prison or in the Middle East, or at least on a ship. These guys have military backgrounds and can get to anybody. I am willing to spill all the beans. I just want my family safe. They had nothing to do with this and are totally innocent. This was a lone person https://twitter.com/RapidResponse47/status/2005811252409344411?s=20 Tim Walz is trying to bury the evidence of Somalian money laundering. His government website showing all the daycare licenses is having a mysterious “outage”. They are freaking out. https://twitter.com/feelsdesperate/status/2005736682100777121?s=20 https://twitter.com/elonmusk/status/2005699538808697062?s=20 Trump fires 17 government watchdogs at various federal agencies President Donald Trump fired 17 independent watchdogs at various federal agencies late Friday, a Trump administration official confirmed to Fox News, as he continues to reshape the government at a blistering pace. Trump dismissed inspectors general at agencies within the Defense Department, State Department, Energy Department, Department of Housing and Urban Development (HUD) Department of Veterans Affairs and more, notifying them by email from the White House Presidential Personnel Office, the Washington Post first reported. “It's a widespread massacre,” one of the terminated inspectors general told the Post. “Whoever Trump puts in now will be viewed as loyalists, and that undermines the entire system.” Source: foxnews.com Trump has been in office for 11 months. The Trump US Attorney has been in control of the Minneapolis Office less than that. These are programs the Biden DOJ did not investigate — they investigated “Feeding our Future” only. So the investigations of 13 other federally funded welfare programs started from scratch.   https://twitter.com/AGPamBondi/status/2005764911427731459?s=20 THREAD https://twitter.com/Geiger_Capital/status/2005688449026908544?s=20 https://twitter.com/politico/status/2005765912167911931?s=20 https://twitter.com/StephenM/status/2005851479425310785?s=20  https://twitter.com/C_3C_3/status/2005864187575128397?s=20 President Trump's Plan https://twitter.com/WarClandestine/status/2005816218226233847?s=20 The National Guard is building a “quick reaction force” (QRF) of some 23,500 troops trained in crowd control and civil disturbance that can be ready to deploy to U.S. cities by early next year, according to a leaked memo reported by multiple outlets Wednesday.  The Oct. 8 memo, signed by National Guard Bureau Director of Operations Maj. Gen. Ronald Burkett, orders the Guard from nearly every U.S. state, Puerto Rico and Guam to train 500 service members. States with smaller populations such as Delaware will have 250 troops in its force, while Alaska will have 350 and Guam will have 100, Task & Purpose reported. Attorney General Pam Bondi Directs DOJ to Investigate Obama-Biden Era ‘Lawfare' as Ongoing Criminal Conspiracy Attorney General Pam Bondi has confirmed that the Department of Justice is actively probing what she describes as a decade-long pattern of government weaponization and “lawfare” under the Obama and Biden administrations. Bondi has directed U.S. Attorneys and federal agents to treat these actions as an “ongoing criminal conspiracy,” potentially allowing prosecutors to bypass statutes of limitations and hold high-ranking officials accountable for alleged election interference and civil rights violations. Source: thegatewaypundit.com  child-like illogic. And if you want to jump in and comment on whatever your particular axe to grind is and how disappointed you are that axe did not get ground in 11 months, please refer to the preposterous, child-like illogic mentioned above. https://twitter.com/TonySeruga/status/2005766903579701465?s=20 Look at the structure itself. 435 representatives for more than 300 million citizens. One voice per 700,000 people. The founders envisioned one per 30,000. That ratio was frozen in 1929, locked by the Permanent Apportionment Act, ensuring the number would remain manageable. Manageable for whom? One hundred senators. 535 total legislators controlling the direction of the largest economy in human history. You do not need to purchase a nation. You purchase 535 people. Or fewer. Buy the committee chairs. Fewer still. Buy the leadership. A few dozen individuals, properly leveraged through money or blackmail (it's actually both), steer everything. The bottleneck is artificial. Engineered for efficient capture. The Federal Reserve arrived in 1913, transferring monetary sovereignty from the people to a private banking cartel. That same year, the 17th Amendment removed state legislatures from Senate appointments, severing the balance between federal and state power. The intelligence apparatus emerged after World War II as a parallel government operating beyond electoral accountability. The administrative state metastasized into an unelected fourth branch writing rules with the force of law. Layer upon layer. Each generation inherits chains from contracts they never signed, bound by compromises made long before their birth. Yes, the Founding Fathers intended for the House of Representatives to expand as the population grew. The U.S. Constitution’s Article I, Section 2 established an initial apportionment ratio of no more than one representative per 30,000 inhabitants (with each state guaranteed at least one), implying that the total number would increase based on census results every ten years. the framers expected regular adjustments to maintain proportional representation as the nation expanded.  James Madison, in Federalist No. 58, directly addressed concerns that the House might not grow, arguing that the Constitution’s mechanisms—such as decennial reapportionments—would “augment the number of representatives” over time, and that political incentives (e.g., larger states pushing for increases) would ensure it happened.  This intent is further supported by the proposed (but unratified) Congressional Apportionment Amendment from the original Bill of Rights, which aimed to set a formula preventing the House from becoming too small relative to the population.  However, the House was permanently capped at 435 members by the Apportionment Act of 1929, diverging from this original vision. https://twitter.com/CynicalPublius/status/2005740095979069669?s=20   attempt instead chase smaller game, run interference, attack each other, send you down rabbit holes, and offer limited hangouts that lead nowhere. The silence is bipartisan. The silence is the tell. If your enemy acts and your ally does nothing despite holding every lever of power, you do not have two sides. WAIT… THERE'S MORE… https://twitter.com/WarClandestine/status/2005729994782466232?s=20   our walls, with Antifa and radical Islamic terrorist groups still at large, without Trump's people in position, without the public being informed of the treasonous conspiracy, without the wars around the globe being settled, without rogue Deep State elements like Iran's nuclear capabilities being shut down, all while the public are extremely emotionally charged after the election cycle and have been repeatedly brainwashed to believe that Trump is Hitler about to unleash a military dictatorship… There's levels to this shit. Many variables must be accounted for and many pieces must be in place before we can do something of this magnitude. But if you've been paying attention, you'd see that much of these things have already been taken care of over Trump's first year. I'm more optimistic than I've ever been, and frankly I don't understand how people don't see what Trump is doing. The price to pay for striking early, could result in mass civilian casualties, the entire operation will be ruined, the Republic will fall to the Deep State, and all of us will be tax/labor slaves forever. We can't afford to miss. Everything must be perfect, and Trump is putting the pieces into place to make it happen. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

[00:00:00] Daniel Turner   [00:18:26] Allen West   [01:13:38] Lila Rose   [01:32:01] Dr. Mehmet Oz Learn more about your ad choices. Visit podcastchoices.com/adchoices

This morning, we're recapping the 2025 housing market, which was — in a word — sluggish. Even though mortgage rates have come down, affordability remains an issue, and many would-be sellers are locked into ultra-low rates. But economists and real estate agents expect some modest pickup in the year ahead. Then, there's renewed focus on the vulnerability of the global auto supply chain after hackers targeted Jaguar Land Rover in September.

America's housing affordability crisis has led to a sharp increase in homelessness. And, according to the latest count by the US Department of Housing and Urban Development, or HUD, children under the age of 18 have seen the largest jump. There are nearly 1.4 million homeless students nationwide, according to the National Center for Homeless Education. USA TODAY Breaking News Reporter Christopher Cann joins The Excerpt to discuss this rapidly growing population of students and the long-term implications for society. Have feedback on the show? Please send us an email at podcasts@usatoday.com. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This morning, we're recapping the 2025 housing market, which was — in a word — sluggish. Even though mortgage rates have come down, affordability remains an issue, and many would-be sellers are locked into ultra-low rates. But economists and real estate agents expect some modest pickup in the year ahead. Then, there's renewed focus on the vulnerability of the global auto supply chain after hackers targeted Jaguar Land Rover in September.

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

*Previously aired episode* J Scott, Partner at Bar Down Investments and Host of the Drunk Real Estate Podcast, discusses the current state of the multifamily housing market, focusing on trends, challenges in new construction, the impact of wages on rent growth, and the dynamics of supply and demand. They explore the implications of low housing starts, the importance of tenant affordability, and innovations in construction methods, including modular housing. The discussion highlights the complexities of the market and the interplay between economic factors and housing availability. J Scott | Real Estate Background Partner at Bar Down Investments and Host of the Drunk Real Estate Podcast Portfolio:  About 1,000 units of SFR and multifamily 5,000 units as an LP Based in: Sarasota, FL Say hi to him at:  ⁠jscott.com⁠ Best Ever Book: ⁠Thinking, Fast and Slow⁠ by Daniel Kahneman Greatest Lesson: The value in holding property for the long-term. That's where real wealth building happens. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Home isn't just a structure. It's memory, identity and belonging. USA TODAY National Columnist Suzette Hackney joins The Excerpt to discuss her year-long reporting on displacement, from climate disasters and eminent domain to race, gentrification and the fragile systems that decide who gets to stay and who is forced to leave.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The affordability crisis is becoming the main narrative for the midterm elections. This comes down to homes and food, and the soaring costs that have reduced quality of life for many Americans.In other news, massive fraud has been uncovered in Minnesota, where individuals and organizations are accused of stealing billions from the welfare system. Local officials are being investigated as well, amid accusations that they either turned a blind eye or were involved in protecting fraud as it took place. And now, similar cases and potential investigations are spreading to other states and cities across the country.We'll discuss these topics and others, in this episode of Crossroads.Views expressed in this video are opinions of the host and guests, and do not necessarily reflect the views of The Epoch Times.

It's been another interesting year in the world of personal finance and macroeconomics. As we look ahead to 2026… well, who really knows what's coming? I'll be sharing my own take—and making a few predictions—in an upcoming episode. What's hard to ignore is just how unusual this moment in history is. We're coming off COVID. We went through a rapid rise in interest rates, and now a pullback. Tariffs are back in the conversation. There are a lot of moving parts, and as usual, the consensus hasn't exactly nailed it. Almost every expert was convinced tariffs would push inflation higher. I expected at least a temporary bump—some transient inflation while markets adjusted. Then the CPI report came out at 2.7%. That's a lot closer to the Fed's 2% target, and nearly half a percentage point lower than expectations. Clearly, something else is going on. At the same time, GDP came in at around 4.3% growth. That's real strength. Inflation is coming down, growth is strong, and while the labor market is still a little murky, there's no question there's underlying momentum in the system. Investors haven't quite felt it yet. It's been a sticky environment. But my sense is that we're getting closer to a shift—more liquidity, more money in the system, and markets that may start moving meaningfully again. Of course, we'll see how it all plays out. For this episode, my producer Phil pulled together some of the highlights from the show in 2025—a look back at the conversations and ideas that stood out in a year when the data kept surprising just about everyone. I hope you enjoy it. And again, happy holidays. Merry Christmas, and Happy New Year. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with D Wealth Formula Podcast, coming to you from Montecito, California and, uh, want to wish you, first of all, a happy holidays. Merry Christmas, happy new Year, all that. And, uh, yeah, it’s been, uh, it’s been another, uh, another interesting year in the world of personal finance and macroeconomics is what, what we talk about on the show. And as we look forward to 2026, gosh, who knows what’s gonna happen, right? Uh, well I’ll give you my take in, uh, show coming up where I’m gonna make some predictions. However, you know, it’s just, it, it, it’s just such an unusual time in, in history. Um, as we kind of look at. Coming off of COVID and having those high interest rates and then coming, uh, coming down and then having Trump elected and now the tariffs and well, gosh, who knows? Right? I mean, just for example, you know, almost every expert was pretty much guaranteeing that inflation would go up because of the tariffs. I mean, even if it was transient, which frankly I thought it was gonna be transient, meaning that there was gonna be a bump in inflation. For a period of time until there was a readjustment after tariffs. Well, TPI comes up most recent CPI is actually 2.7. You know, that’s much closer to the fed target of 2%. And, um, 2.7 was, you know, I think, uh, almost a half, half percentage point less than the expected, uh, CPI, uh, report. So that, that’s obviously something else is going on there. And then. GDP numbers came out and we had a four handle. It was like 4.3, I believe, GDP. So we’ve got incredible growth. We’ve got decreasing inflation. The labor market is still, I know, a little unclear, but it seems like there’s a lot of strength in this market. Of course, it’s really sticky investors. We haven’t quite felt that strength yet, but I do think you need to start anticipating. That markets are gonna come back pretty heavy, uh, with increased liquidity, uh, and a lot of money in the system. But we shall see, uh, this show. What we’re gonna do here is, uh, my, uh, producer Phil put this together, but it’s basically some of the highlights of, uh, the show in, in 2025. So hopefully you enjoy it. Uh, and again, happy holidays. Merry Christmas, new Year. And we’ll be back right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealth formula banking.com. Again, that’s wealth formula banking.com. How do you approach the process of identifying stocks that are maybe best suited for consis consistent cash flow? Or do you just pick the stocks that you like and, and create the cash flow? Or are, you know, fundamental metrics that maybe you prioritize? Yeah, the, the, the first thing to determine. I think real estate investors understand this is if I were to invest in real estate, I’m gonna determine whether I’m gonna be a flipper, or I’m gonna try and buy low forced depreciation, sell high. Or if I’m gonna be a cashflow investor where I might invest in syndication, or I am, I’m gonna have tenants in property management. And the same is true with stocks. Most people start off by thinking about price rather than cash flow. They think about buy low, sell high, like a house slipper, and that’s, that’s less tenable in stocks because in real estate, if I buy low and sell high, I can do things to force appreciation. I can renovate, I can get new management, I can put in new appliances. I, there’s things I can do to force appreciation. But once a person buys a stock, there’s absolutely nothing you can do to make the stock price go up. But if you take a a, if you think of it like a real estate investor. You think about it like owning a business where the priority, as you mentioned these metrics, the priority is, Hey, what kind of cashflow will this produce be in terms of dividends and in my case, option premiums. And so some of the key metrics is, you know, if I, I’m basically buying a financial statement, same as real estate. You know, I, I, I, it is just a little different numbers in real estate. I wanna know what the net operating income is. In stocks, I might wanna know what the EBITDA is ’cause they’re essentially looking at the same types of things in real estate. I wanna know what the cap rate is in stocks. I wanna know what the PE ratio is, which is just the same number inverted. They just put the price on the top instead of the bottom. To me, I don’t see a difference between real estate and stocks, uh, in that they’re both a business or they charge someone for a good or a service. And there’s either cashflow there at the end of it or not. If people take a cash flow approach, they can begin to build on their passive income. And that contributes to that blueprint we mentioned earlier to get ’em outta the route race. So if you take a Warren Buffet approach, the most important number in that business is operational cash flow or earnings. Meaning does what they do, their operation. You know, you walk in there, a nice operation you got going here, you know, trucks are moving and you know, products are being built and shipped and, and nice operation. If they’re earning money, that means that’s the life flood of the business. That means it’s got a good moat. That means it’s pretty protected and that allows them to do two things for me. Number one is a dividend, which is exactly the same thing as a distribution in real estate. Uh, there is no difference, uh, in a syndication. I have a whole bunch of investors I’ve joined with where you have a share of this project and when the earnings come out, they distribute the, the distributions among the share shareholders. Same is true with stocks. They take the earnings, uh, we call it a payout ratio, and they take a, a, a significant amount of that money and they pay it in a dividend, same as a distribution. But what I do that’s a little bit unique buck is, uh, is I also have the options market on my side. Where I can use options to control risk, uh, to get guarantees where I can buy and sell, but even more importantly, I can offer, uh, and get paid for making promises to people. This is very much a Warren Buffet deal where it, it brings a significant increase to my monthly cash flow beyond the dividend, up to three, two and three times. Uh, the amount of money, two to 300% more cash flow. By being involved in the options market and that’s, that’s a nice secret sauce. The yield max Tesla option income, ETF, which is TSLY. And basically what it does is. Is it just does a series of longs and shorts and, and then generates what looks like to be kind of a, a ridiculous amount of, uh, dividend, uh, per, per month. So what are we missing here? What, what’s, well, you’re, you’re basically hiring those guys to mow your grass. It’s just like any other mutual fund or any other. They’re doing something you could absolutely do by yourself and not pay them a fee. There’s two cultures. There’s the advice culture and there’s the education culture and the advice culture. People say, look, I don’t wanna learn anything. Just gimme the advice. Well, you’ll pay for that in fees. And the problem with doing that is if you really listen to Warren Buffett, which 1% is enormous. Because in the wealth blueprint that we do for people, we use compounding. We use the compounding calculator to see what we’re gonna need. You drop that 1%, you give up 1% of your compounding powers as an investor over your life, it, it wouldn’t seem like 1%, but Buffet knows the truth. It’s enormous. So yeah, absolutely there are ETFs and there are funds that will do exactly what I do or what I teach people to do, but we have some advantages in doing it yourself because risk is about control. I trust myself more than I trust those guys any day of the week. And like I say, I’m doing this by month, so yeah. But it’s legit. How do you even make predictions? And second of all, I mean presumably you still have some forecasts over the next, uh, 12 to 24 months, and maybe you could tell us a little bit about that. Our methodology lends itself to times of uncertainty like this, and that’s the benefit of really relying on the leading indicators that we have. Now. We do have to take a little bit of a different approach. We have to look at data in a lot higher frequency today. You know, a lot of the data you get from government sources or quarterly data, monthly data, but we’re having to track weekly trends with the ever-changing environment that we find ourselves in. So we’re not surprised by the time any monthly or quarterly data comes out. The level of uncertainty that we’re dealing with is certainly unprecedented. I share an index each day, um, and we are three times more uncertain today than we were at the height of the pandemic. You know, put that in perspective, right? Yeah. So we do have to adjust, um. The, the way that we’re looking at data with higher frequencies, we also have to rerun a lot of these correlation analysis. Every single time we get a new data point to see are these lead times becoming more condensed? Do we have to make adjustments in our models as a result to maybe data reacting quicker than it might have in the past? So those are some of the ways that we’re, we’re continuing to evolve in these interesting times we live in. This relates to our forecast. Our team expected some weakness in the first part of this year, and, and we knew that coming in with the, with the tariffs that were proposed during President Trump’s campaign, we did have a weak first quarter GDP number forecast. Our team was 0.1% off of nailing that first quarter GDP number, so they were right on the money there. Uh, we were very impressed with that, but we do expect a sluggish first half of the year. We call it the recovery phase of the cycle. What we mean by that is our growth rates are still building momentum, but are still negative year over year. You know, ITR. Really known for its emphasis on leading indicators. So which of the leading indicators you guys rely on the most when and, and I guess which are flashing red or green right now? I’ll give you one of each. Uh, yeah. The one we’re in right now, we look at the purchasing managers, index isms, purchasing managers index. Now we look at at on a one 12 basis. What I mean by that is we compare the most recent month, the same month one year ago. The reason we look at it on that basis is it gives us 12 month lead time into the future when you correlate it to the economy. That index was recently rising until we got the most recent month of data, and then it dropped back down. So that is giving us the mixed signal of, hey, we need to be a little bit more concerned about the prospect for growth moving forward. Now the opposite is true when we look at an indicator called capacity utilization. What Capacity utilization measures, it’s about an eight month lead time to the economy. So still a nice view into the future, but what it measures is output over capacity, and that actually continues to improve meaning. And again, really all that means on a simple level is we’re utilizing more of our existing capacity, so we’re getting busier. If we look at the consumer side of inflation that the Fed’s more concerned about in terms of setting policy, we have inflation essentially flat this year from where we are today. Now, if you look at the CPI, it’s at 2.8%. Our projection for the end of the year is 2.8%. We don’t see inflation coming down much at all. As a result of that, that’s why you’re seeing Chairman Powell back off being able to cut rates and is holding these rates steady because he sees these higher inflation risks as well. And so from our perspective, it’s very unlikely you see any meaningful interest rate decline this year. Yeah. Now again, the second quarter, GDP number can have an impact on that. We do see a very weak second quarter chairman Powell alluded just a couple of days ago to some slack in the labor market. Maybe you can get a quarter point if we have a really weak second quarter, quarter point cut, but it just seems very unlikely given how persistent inflation has been. And so we tell all of our clients, prepare for interest rates to be relatively flat this year, and prepare for interest rates to rise through the balance of the second half of the decade. It’s not just tariffs, it’s employment costs, it’s electricity costs, it’s material costs. There’s a lot more driving higher inflation than just tariffs. What macroeconomic trends are you watching right now with regards to how they’re shaping the markets today? I think there’s really three things right over the long run. They’re gonna debase the currency, that’s gonna be a persistent tailwind for all liquid, uh, assets, including stocks. Bitcoin gold and bonds. And then I think that you also are going to have a, uh, very interesting dynamic around all these tariffs, uh, and kind of the administration’s economic policies. And then the third thing is that there is a whole technology, uh, trend to, uh, pay attention to. Uh, obviously innovation is very deflationary. Uh, we’ve got, you know, things from humanoid robots to rockets to gene editing, to uh, to crypto and everything in between. And so I think those three things really tell the story of where, uh, markets potentially go in the future. When I grew up, um. S and P 500 was the benchmark. There’s a risk-free rate in bonds. I believe that my generation and younger sees Bitcoin as the benchmark. And so, uh, it’s very simple. If you can’t beat it, you gotta buy it. And I think that there’s institutions around the country who are realizing they can’t beat the benchmark and therefore they will end up buying it. And really, to me, that is, uh, maybe the most interesting. Part of the entire conversation is that Bitcoin obviously has risen significantly on a percentage basis in appreciation. Bitcoin has kind of infiltrated every corner of finance, but most importantly is it has transitioned from a high risk, you know, kind of asymmetric type asset to now it’s becoming the hurdle rate uhhuh. And if you’re the hurdle rate, you suck up a lot of capital. Yeah. Because there’s not a lot of people who can beat you. And I think that that is a very powerful position for Bitcoin to be in. And that’s how you infiltrate into, uh, the institutional portfolios. Bitcoin will stop going up. When they stop printing money. I don’t think they’re gonna stop printing money, so I don’t think Bitcoin’s gonna stop going up. That’s kind of one huge component of this. The second thing is that Bitcoin is very unique in that the higher the price goes, the less risky it is deemed by the largest pools of capital. Mm-hmm. And so usually, you know, if NVIDIA’s at a $4 trillion market cap, people like, oh, it might be overvalued there. A lot of debate. Right. Bitcoin if it was at a $4 trillion market cap would be way less risky than it when’s at 2 trillion. And so there is a lot of structural advantages, both from the legacy world but also from the Bitcoin market that I think will continue to lead to these large institutional capital pools. Uh, allocating some percentage. And the beauty is right now we have very small adoption in that world. Uh, it’s only gonna get bigger. It’s only gonna get more normalized. And I think that one of the parts people really underestimate when it comes to Bitcoin is how important time passing is. You know, if you think back, uh, there is not anyone under the age of 16 that has lived their life without Bitcoin existing. If you’re keeping large chunks of money in savings account, paying less than 1% or any percent less than inflation, you’re bleeding wealth every single day. It feels safe. It looks safe, right? ’cause the numbers may not be moving nominally but it, but it’s not safe. It’s a bucket with a hole in the bottom and you don’t even notice until it’s almost empty. That’s why the wealthy don’t hoard cash. They own assets. They own assets that inflate with inflation. If you can’t beat ’em, join them. They buy things that grow in value as dollars shrink because they understand the system. They don’t fight it, they ride it. So you’ve said many times that the current monetary system is broken and headed for reckoning. So from your perspective, what are the core flaws in the system right now and how do we get here? Well, probably the largest and most obvious underlying flaw in the monetary system is the fact that the federal government just can’t balance its budget. And so they have to take on debt to cover the deficit that they run and that deficit. Well, you know, over the course of the last 20 years, it’s gone up and down. More recently, it’s gone mostly up and, uh. We just came through a period where, you know, it was reemphasized to everybody. Just what a problem this is. Because as you’ll recall, when Trump was first elected, they were talking about those, the Department of Government Efficiency and cutting expenses and you know, maybe 2 trillion or 1 trillion. Of course, then Elon got frustrated and left and the numbers have come down and you know, Trump and the Freedom Caucus was saying they were gonna try and balance the budget or at least cut expenses. And of course, what we know is that they just passed this big beautiful bill. Which really increases the deficits and they bump the debt, uh, ceiling up by another $5 trillion. So sadly, what do many of us have seen and been saying, which is to say they just can’t stop, kind of continue. Seems to be continuing. And, um, you know, the reason why that, just to close the full circle, the reason why that matters is they, they do this debt, they issue debt to cover these deficits, and then the debt requires interest payments and, you know, there’s not enough money to make the interest payments. And so. They more or less have to print the money, you know, and inflate the money supply to keep the system going. And that’s why it’s so important to hard assets. You know, we need to grow the economy at, you know, 4, 5, 6, 7% a year, which, which we’ve never really done on real terms. Well, I think that is kind of what they’re projecting it might be, but it, it’s gonna be harder than hell to achieve. I mean, it just, where you can’t just snap your fingers and create that growth. Now, don’t get me wrong, if you start to, if you ramp up inflation. If you have 10% inflation, well then the GDP number’s gonna get bigger, fast. And so really the model they’ve used, they call it the R Star model, is that they’ve got to have faster growth. Growth rate has to be higher than interest rates, or else you’re in a debt spiral. And so what’s been happening is, by the way, that’s why Trump wants to take interest rates down so much. You know, he is called for a 300 basis point cut. Imagine right now with inflation running at three plus percent, if they cut rates to one point a half percent or one point a quarter percent, I mean, it would be good for the economy. People would refi their houses. You know, there were all kinds of, you know, growth, right? Huge. But in turn it would be inflationary, very inflationary. That’s the trap. They’re really kind of caught in. It’s a seventies kind of stagflation sort of environment. You know, if they don’t keep rates low, they’re not gonna have any growth. If they want to get growth, they’ve gotta keep rates low. That’s gonna lead to monetary creation, which is gonna lead to inflation. Look how it all resolves is very complicated and none of us know. Yeah, sure. But what I do know with very high certainty, with a lot of confidence is this is going to be an inflationary decade. It’s already been an inflationary decade, and because of the way the math is today is very highly likely to continue to be an inflationary decade until we fix this monetary system. Well, we have less than 3% adoption. Three goes to six fairly easily. You know, human beings underestimate how long change really requires, and then we really underestimate how much change actually occurs. Think the internet like we are moving into a digital planet, right? Robots are not going to use credit cards, man. They’re not gonna use, they don’t need visa. We don’t need middlemen. The cool thing about Bitcoin, unlike the Rolls Royce, is you don’t have to buy the whole Rolls Royce. You can buy a fraction of it. You know, you don’t, maybe you guys partner with each other to do apartment buildings. Well, you’re already doing fractured deals on apartment buildings, so Sure. It’s not really that different. 2%, 3% goes to six. I mean, it does go to six. You have the largest ETF in the history of ETFs, okay? This supersedes the goal. ETF by orders of magnitude. I study markets very, very well, price. Really gets people’s attention. I think price is, uh, 90% of Bitcoin. Like I am truly a supply and demand guy. Oh wow. 21 million. And you guys have lost four. You lost 4 million coins. Oh, how’d you lose the 4 million? You lost the 4 million. I know how you lost it. You mispriced it. Bitcoin has been mispriced every day. Its entire history. Dude. 19 million coins have been issued. The addressable market is 8 billion people. You don’t need ’em all. Yep. You just need a small function of those 8 billion to go, Ooh. 21 million units and and four have been lost. It’s already mispriced. Okay. They’re pricing Bitcoin at one 15 Today, assuming there’s 21 million units, we know there’s not. There’s 17, so the supply shrunk. The market caps at 2 trillion. Hello. The standard deduction for a household is now, uh, what in a low 32,000 range. And it turns out that 60% of the households in the United States cannot take advantage of itemized deductions. That is when they take their mortgage interest, property taxes, charitable deductions, they don’t get that number. And so there’s not as much benefit to home ownership as there used to be in the United States. With our big institutional players, nobody wants their appraised values to be quickly marked down to market, because if your competitors don’t do the same thing and they’re part of the index and benchmark that you compete against, you’re going to underperform. And so we’ve traditionally had a lot. Appraised values for real estate among the institutional players, especially. You don’t get this out of the private market, but you get this from the nare players, the institutional type players, and, um, and everybody’s, uh, uh, fearful of underperforming that index. I would prefer as a private investor just to go ahead, bite the bullet and mark it down. Now take the pain if in fact you’ve seen it go down. Some markets have seen property values go down 30, 35% even in multifamily, but they’ve bottomed out in the transaction market and, and absolutely the, uh, the appraisers are gonna have to bring it down and the owners are gonna have to ease up that pressure and say, yes, I want a realistic appraisal. But, um, but there is that fear of underperforming the index and that’s. What’s holding up the American appraisal firms in 2008, 9, 10, 11, we saw a lot of deep distress. The the smart money was ready for it. Now, there’s a lot of people with dry powder, as we say. Ready to p on the market hoping for some distress from those who cannot refinance now, whose, whose CMBS loan or other money is, is rolling. A couple points there. One is, I think you’re going to see more loan modifications this cycle than last time because they realize it’s temporary and they realize that not all properties are in trouble. And these tend to be the higher leverage properties. The smart private wealth investors tended to use conservative leverage over the last several years knowing we’d hit a cycle and, and they probably are 65% or less. Leverage some of the, um, greener newer investment managers might have gone up to 80% and might have even used variable rate debt when they shouldn’t have. They’re the ones getting nailed. They’re losing all their equity and that property is distressed. So there’s not that much of it out there. But there’s a little bit, and I would certainly pounce on it if you can find it. There are often a lot of sort of hidden costs associated with buying versus renting. Can you talk about trying to weed through some of that? Sure some of the highest costs that we don’t think about when we own, although we do take cut down on risk. And also I think that’s come back to consumption. I, I is the fact that there’s the opportunity cost. So think about having 50%, a hundred percent of your home paid for. This, it’s the opportunity cost. You’ve actually taken capital out of play at higher returns to put it into something that perhaps, yes, you see it as a form of an investment, but it’s also partly consumption. And I think that’s why many people end up paying for their homes when they can, because there’s an old saying, and that is, you can’t go broke if you don’t owe money on it. Right? So if you, it’s hard for the lender to come get your home and you don’t really care, right? You wanna be able to. Have no debt on your home. It doesn’t make the typical financial sense if we argue at it from leverage and returns and maximization of returns. I think most people this high end level are looking at, you know, I, I, I, I have high net worth. I’m looking at both consumption and the investment side of the component. But very often the consumption wins and the investment is I can be safe and I can own this house. Outright in many states too. Your homeowner, the home that you live in, you are actually, if you’ve homesteaded the home, you’re actually protected against lawsuits and other things that are out there. Divorce cases will protect your position in, in terms of a homestead, so you can protect a significant portion of wealth by having a paid for home. What are some of those markets that are really overpriced versus. I guess underpriced right now. So when we look at the top 10 most overpriced markets in America right now, we look at their prices, where they are and compare them to where they should be statistically modeling them. We’re seeing the most overpriced markets are Detroit at 33.5% and then falling, falling, descending. Order of Cleveland, Ohio. New Haven, Connecticut, Akron, Ohio, Worcester, Massachusetts, Las Vegas, Nevada, Hartford, Connecticut. Rochester, New York, Knoxville, Tennessee, Toledo, Ohio. You’ll notice. And these are overpriced. These are overpriced. These, the overpriced mark. That’s so, that’s sort of counterintuitive, isn’t it? Ab absolutely. But yes. Wow. Okay. And then h how about the, uh, underpriced markets? I’m curious on that too. Sure. So when we then go to the opposite end of the spectrum, and usually now with underpriced comes risk and there’s risk in both of these markets, what you wanna do, both overpriced and underpriced, what you wanna be long term in a housing market. Uh, ’cause you want to be really close to that trend and not have these dramatic swings. It’s just like stock price. We don’t like volatility. Housing, it’s, it’s dangerous for performance. The most underpriced markets. We only have four markets in America right now that are trading at a discount relative to their long-term pricing trend. In other words, statistically, where they historically prices say prices should be today only four cities are underperforming. That that’s Austin, Texas at 3.1% below where they should be, or a discount of 3.1%. San Francisco at a discount of 6.5%. Wow. New Orleans, Louisiana at a discount of 8.7 and Honolulu, Hawaii at a discount of 10.3. Notice I’m not saying these markets are inexpensive. They’re just below where they’ve historically been. These are the best buys right now because they’re below their long-term trend. One of our other indices, we call it our price to rent ratio. It’s really a PE ratio for rents versus home ownership. And then so we can look at that. So if you’re in our a hundred markets, we know the average price, right? So it’s gonna be priced, divided by the annual average rent. So it’s gonna be how many dollars in price do you pay for every $1 and annual rent? And that gives us the relative difference between owning and renting. The higher that ratio. The, the more you should on in general be leaning towards renting, the lower that ratio, the more you should be leaning towards owning. And we used to do an old buy versus rent index for 23 cities. We now do it for 100 cities. And this price to rent ratio produces almost the same exact answer. So when we look at the average price to rent ratio in an area and we just compare, are they above or currently are you above the price to rent ratio? Uh, for Los Angeles, California. Are you below it? If you’re above that average for say the last 10 years, you’re gonna be rent friendly. If you’re below it, you’re gonna be bio friendly. I can do this very quickly. Pick a California market you’d like to know about. Why don’t we try Dallas, Texas. Okay. Dallas, Texas. That one’s in the top 100 in terms of population. So Dallas, Texas, uh, their price to rent ratio is at about a, just below a 6% premium. In other words, that trade off between renting and owning is about 6% above where it should be, so it slightly favors renting. I’ll jump to the next index. If we look at actual prices in Dallas, there’s a slight premium. So it’s, it’s, it’s telling me, Hey, that my price to rent ratio’s high, slightly favoring ownership, but it’s probably because prices are a little high and they might change. Uh, Dallas has had a bit of a. Premium right now. So I will now go look at Dallas rents. My gut feeling is they’re gonna be below average and they are. They’re at about a 4.5% discount. So that’s just market dynamics in motion right there. And we can do that for a hundred cities pretty quickly. Mm-hmm. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Good news. If you need to catch up on retirement, check out a program. M put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it and uh, once again. Thanks again for listening. Uh, I truly appreciate your support. I hope, uh, I hope it’s been entertaining for you and that you’ll learn something along the way and, um, you know, always appreciate your feedback. Shoot me an email, bucket wealth formula.com. Let me know if there’s things that you want me to do. Let me know if there’s things you wanna hear more about. Uh, but hopefully it’s gonna be a good year and we’re gonna keep plugging away talking about the, you know, try to get educated myself and pass along information to you on Wealth Formula Podcast. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit well formula roadmap.com.