Podcasts about Housing

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

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

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/

Roti, kapda aur makaan (roti, clothes, and housing) has been a political promise for generations. Now, with housing becoming increasingly expensive, makaan has been taken out of the equation in urban India. In Patna, for instance, buying a 2 BHK (bedroom, hall, kitchen) costs over ₹1 crore. This is the case in other rapidly urbanising cities as well. In metropolises, it is twice the amount, making owning a house out of reach for most Indians. According to the World Bank, per capita income is ₹2,42,487.70 (2024). This does not reflect income inequality among individuals and across States, which is extremely wide in India. Has housing become prohibitively expensive in Indian cities? Guests: Ashok B. Lall and Tikender Singh Panwar Host: Serish Nanisetti.  Edited by Sharmada Venkatasubramanian Learn more about your ad choices. Visit megaphone.fm/adchoices

The cry for H-2A reform can be heard all around agriculture, and while some challenges are being addressed, WAFLA CEO, Enrique Gastelum says one of the biggest challenges is the housing required for farm workers.

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!

A Mallee farmer still harvesting into the new year as he hopes for a better season in 2026, Broken Hill commercial and residential fruit growers desperate to rid the city of fruit fly, and farming waste being tested as possible material for furniture and home construction.

The Midday Midlife segment features Paula Almgren, author of "Eldercare The Rules: Navigating the Legal, Financial, Medical, Housing, and Care Maze", who discusses how families in the “sandwich generation” can plan for aging parents. Topics include estate planning basics, aging in place versus assisted living, recognizing safety concerns, and preparing financially and legally for long-term care.

We survived Christmas, and now we are looking to the new year. But we are not done with 2025 just yet. Or is it 2025 that's not done with us just yet? Either way, let's finish strong.As many Americans are poised to see the benefits of the tax cuts written into President Donald Trump's signature One Big Beautiful Bill, only a few states have fully adopted the most popular provisions into their own tax codes — and two, New York and Illinois, are actively blocking them.U.S. District Judge Angel Kelley has blocked plans by the Trump administration to end temporary protections from deportation that had been granted to hundreds of South Sudanese nationals living in the United States.The Department of Health and Human Services announced that it has frozen all child care payments to the state of Minnesota amid news of a massive fraud scandal in the state.The Department of Housing and Urban Development revealed that there were over $5 billion in "potential payment errors" made with rental assistance during the last fiscal year of the Biden administration.George Clooney claimed during a recent interview that new editorial chief Bari Weiss is "dismantling CBS News," whining about a possible future in which the United States would be forced to operate "without a functioning press."A CNN panel discussion quickly veered off the rails when one guest claimed that Israel had invaded Gaza in much the same way that Russia invaded Ukraine.Become a supporter of Tapp into the Truth: https://www.spreaker.com/podcast/tapp-into-the-truth--556114/support Tapp into the Truth on Rumble. Follow, watch the older shows, and join the live streams.“Remember Pop Rocks? Now, imagine they gave you superpowers.” Please let me introduce you to Energy Rocks! Born from the grit and ambition of a competitive athlete who wanted a better, cleaner way to fuel the body and mind, without the hassle of mixing powders, messy bottles, or caffeine crashes. Energy Rocks is a reimagining of energy into something fun, functional, and fantastically effective. A delicious popping candy energy supplement that delivers a rapid boost of clean energy and focus — anytime, anywhere. No water. No mixing. No bulky bottles. Just open, pop it in your mouth, and get ready to rock. Making any time the right time to “Get in the Zone, One Pop at a Time.”Take This Free Quiz To Find Out The Best & Worst Foods To Avoid For Joint Pain!Do you wake up in the morning with stiff joints or pain in your hips, back, knees, or elbows? Then, chances are you're feeling the effects of chronic inflammation taking its toll on your body. The good news is that it is NEVER too late to help get this under control. And the best part is certain foods help you do this naturally, without the need for prescription medications.If recent events have proven anything, you need to be as prepared as possible for when things go sideways. You certainly can't count on the government for help. True liberty requires self-reliance. My Patriot SupplySupport American jobs! Support the show! Get great products at great prices! Go to My Pillow and use promo code TAPP to save! Visit Patriot Mobile or Call (817) 380-9081 to take advantage of a FREE Month of service when you switch using promo code TAPP! Morning Kick is a revolutionary new daily drink from Roundhouse Provisions that combines ultra-potent greens like spirulina and kale with probiotics, prebiotics, collagen, and even ashwagandha. Just mix with water, stir, and enjoy!Follow Tapp into the Truth on Locals Follow Tapp into the Truth on SubstackHero SoapPatriot DepotBlue CoolersKoa CoffeeBrainMDDiamond CBDSauce Bae2nd SkullEinstokBeanstoxBelle IsleMomento AIHoneyFund"Homegrown" Boone's BourbonBlackout Coffee Co.Full Circle Brewing Co.Pasmosa Sangria  

Over 18,000 people are still living in temporary housing two years after a massive earthquake in the Noto Peninsula of Ishikawa Prefecture in central Japan left about 700 people dead or unaccounted for.

Shannon Franssen, interim coordinator, RCLALQ (The Coalition of Housing Committees and Tenant Associations of Quebec), talks about renters rights. Tom Whelan sits in for Aaron Rand

In Episode 114 of the Canadian Private Lenders Podcast, Ryan and Neal wrap up 2025 by reviewing their bold economic and housing predictions, and grading themselves on what they got right (and wrong).They break down RE/MAX's controversial condo recovery forecast, analyze rate cuts from the Bank of Canada, unpack national and Atlantic Canada housing trends, and debate what 2026 could look like for home prices, housing starts, immigration, and the Canadian dollar.This episode is a grounded, no-nonsense discussion on where Canada's real estate and lending markets are heading, and what lenders, investors, and brokers should be paying attention to next.Show Notes:00:00 – RE/MAX Says These Cities Will Lead the Condo Recovery01:30 – Why Toronto & Vancouver Didn't Make the List03:03 – Do Condo Markets Even Exist in Atlantic Canada?04:13 – Why Condo Price Data Can Be Misleading05:19 – Reviewing Our 2025 Rate Cut Predictions06:55 – Who Nailed the First Bank of Canada Rate Cut07:17 – 100 Basis Points of Cuts: How Accurate Were We?07:37 – Canadian Home Prices in 2025: What Actually Happened08:31 – Nova Scotia Home Prices vs Transaction Volume10:14 – Atlantic Canada Housing Trends Explained10:32 – Housing Starts in Canada: The Real Numbers12:07 – Why Housing Data Is Hard to Trust in Atlantic Canada14:47 – 2026 Begins: Rate Cuts, Hikes, or Flat?16:11 – How Much Room Does the Bank of Canada Have Left?19:14 – Will Canadian Home Prices Rise or Fall in 2026?21:16 – Ontario vs Atlantic Canada Market Psychology22:57 – Immigration, Construction Slowdowns & Demand25:52 – Nova Scotia Housing Market Predictions for 202628:18 – Atlantic Canada Outlook by Province29:24 – Housing Starts in 2026: Boom or Collapse?33:56 – CAD vs USD: Where Is the Dollar Headed?36:21 – Travel, Politics & Economic Sentiment39:53 – Final Thoughts & 2026 OutlookResources:Keystone Capital GroupCPLP Instagram: @cplpodcastKeystone Instagram: @keycapgroupFind Neal On:Instagram: @neal.andreinoLinkedIn: Neal AndreinoFind Ryan on:LinkedIn: Ryan MacNeilE-mail: ryan@keycap.ca

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!

In this episode of Durable Value, we explore the concept of real estate—especially multifamily and industrial properties—as essential infrastructure. We discuss how these asset types function as a public good, their role in the economic grid, and why secondary and tertiary markets are becoming increasingly important. Tune in for insights on market dynamics, institutionalization, and the future of real estate investment.Timestamps:00:00 – Introduction00:51 – Real estate as a public good: Housing and industrial as community essentials01:15 – The “capillaries” of commerce: Small businesses and last-mile industry01:36 – Real estate as a quasi-utility; the Western US grid analogy02:30 – Institutionalization of secondary and tertiary markets02:57 – Infrastructure as an investible asset class03:22 – Needs-based assets: Comparing real estate to bridges and utilities04:08 – Asset desirability vs. discretionary assets04:31 – Monopoly vs. competition: Utilities and real estate supply04:55 – The economics of new construction vs. existing apartments06:34 – Demographic shifts: Millennials, Gen Z, and housing demand07:21 – Post-COVID trends: Remote work and changing lifestyles08:23 – Owning the grid: The I-5, I-15, and I-25 corridors09:02 – The network lens: How properties reinforce each other09:21 – Data-driven conviction and deal flow09:42 – Building alpha through authentic data and off-market deals

In this conversation, Richard Ross, CEO of Quinn Residences, discusses the evolution and significance of dedicated rental communities in the housing market. Richard explains how dedicated rental communities differ from traditional build-to-rent models, why they are purpose-built specifically for renters, and what years of real estate experience have taught him about shifting housing preferences. He also breaks down how COVID accelerated demand for single-family rentals, changed renter demographics, and reshaped expectations around space, privacy, and community. The conversation digs into why the average resident in these communities is 38 years old, how thoughtful community design and longer lease structures foster stability, and why outdated perceptions of renting continue to hold back policy progress. Richard also makes the case for regulatory reform as a necessary step toward solving the country's housing shortage. This episode offers a grounded look at where rental housing is headed—and why the future of housing won't be defined by ownership alone. Here's a glimpse of what you'll learn: What separates dedicated rental communities from traditional build-to-rent Why today's renters prioritize community, amenities, and flexibility How COVID permanently shifted rental demand and preferences Why the average renter age is older than many assume How community design drives satisfaction and retention The role of long-term leases in creating stability Why renting is increasingly a long-term lifestyle choice Common misconceptions that frame renting as “second class” The scale of the U.S. housing shortage Why streamlined regulation is critical to expanding supply Related to this episode: Richard Ross – Chief Executive Officer at Quinn Residences Quinn Residences The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire president Diego Sanchez every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio.

SEND ME A TEXT MESSAGE NOWThis episode talks about two important stories happening right now.One centers on housing and promises that are being sold as reform.The other revolves around documents that keep surfacing at the most convenient moments.Together they reveal a system that survives by delaying accountability.I break down what's being claimed about housing affordability and what's quietly left out of the conversation.The language sounds ambitious, but the substance underneath feels hollow.For anyone renting, buying, or watching the market drift further out of reach, this story cuts closer than the headlines suggest.I then turn to the Epstein files and the sudden discovery of more than a million additional documents.I walk through what the Justice Department is saying, what remains unanswered, and why the circumstances demand skepticism.Transparency is promised again while patience is expected once more.This episode is about patterns.About delay being framed as responsibility.About press statements standing in for action.And about why accountability always seems just out of reach for the same people, every single time.If you're tired of political theater replacing real answers and spin being sold as progress, this episode is for you. I'm not here to reassure or distract.I'm here to connect the dots and say what too many people avoid saying out loud.And in a few weeks, I will be making several major announcements about the continuation or not of my podcast.AWorldGoneMadPodcast@gmail.com

Guest host Bruce Claggett talks to Kirk LaPointe, Vice President, Fulmer & Company; and columnist at Lodestar Media and The Hub Learn more about your ad choices. Visit megaphone.fm/adchoices

Provisions of 22 new laws will go into effect in the new year. We got the breakdown about House Bill 8002 and what it means for 2026 from News 8's political reporter, Mike Cerulli.

On this episode of Gifts and Graces we get to hear from Ed Dunnington and Tim Townsend about strategies for churches helping pastors obtain housing. Ed is the president at Geneva Benefits Group and Tim is the president of the PCA Foundation. Let's listen as Ed and Tim give an overview of creative strategies for churches to help pastors find and afford housing.

*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.

The Mag 7 is no longer a monolith. Bitcoin has pulled back 30 percent since hitting an all-time high in October, will it continue to slide? Plus, a key housing metric hits the highest level in nearly three years. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Read more Lindsey Dougherty: Virginia needs investment in housing and infrastructure This Ashland resident is bridging the bilingual gap in Hanover Our award-winning work is made possible with your donations. Visit vpm.org/donate to support local journalism.

Sam Vadas and Alex Coffey explain two narrative shifts that caught their eyes on today's final takeaways. One is in the housing market and an apparent thaw seen in pending home sales. On the other end, gold and silver tumbled following sharp rallies in recent weeks. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

As heard on the WSJM Morning Show, learn about the latest economic development happenings in our community from Cornerstone Alliance. They are a leading economic development organization dedicated to fostering growth and prosperity in Michigan’s Great Southwest. For more information on Cornerstone Alliance, please visit https://www.GoMichigan.com. See omnystudio.com/listener for privacy information.

Christmas Tree drop-off boxes have been staged around the county and they'll accept clean trees until February 6th. Over two hundred students at Sierra Community College's Rocklin campus will start their Spring semester in new digs. The college has a new 358-bed on-campus housing option for students. 80 percent of the accommodations will go to students in need of affordable housing. The facility has a $107 million price tag - $80 million of which was awarded to Sierra College through the California Higher Education Student Housing Grant Program. KVMR's Kelley Rees speaks with Sierra College Superintendent/President Willy Duncan.

Segment 1: Ilyce Glink, owner of Think Glink Media, joins John Williams to unpack why 2025 has been so punishing for first-time home buyers, how soaring prices, tight inventory, all-cash offers and lagging new construction are reshaping the market for buyers. Segment 2: Segment 2: Elliot Richardson, Co-founder and President, Small Business Advocacy Council, joins John to talk about Chicago's City […]

What if social-emotional learning, culture, and instruction could move in rhythm with the real seasons of a school year instead of feeling like “one more thing” on everyone's plate? In this episode of Aspire to Lead, Walter McKenzie, Heather Lageman, and Leigh Alley introduce their book School Seasons xSELeratED and the xSELeratED Schools Framework, a month-by-month roadmap that helps educators care for the whole child and the whole educator with small, doable practices that fit into the flow of each month.​ The trio shares how their adult-first approach to SEL honors educator wellbeing, offers 5–10 minute micro-moves that feel human rather than scripted, and uses seasonal themes, from belonging and renewal to closure and celebration, to build trusting, relationship-rich school communities over time. Whether you are a teacher, coach, or school leader, this conversation will help you see SEL less as a program and more as a sustainable way of being together that strengthens both people and practice. About Walter McKenzie: Walter McKenzie is the founder of The Worthy Educator, a thriving community of leaders in education supporting each other to have impact and build lasting legacies in their work. He has always embraced the heart in his work, and in the power of relationships. In joining forces with Heather and Leigh, he proudly adds his voice to their efforts to reclaim the mantel of social-emotional learning, for both students and adults. Before retiring from ASCD, he served 25 years in Massachusetts and Virginia public schools: 14 years as a classroom teacher and 11 years as a district director and assistant superintendent. He also served as a senior training specialist for the Department of Housing and Urban Development in Washington, D.C., and its field offices around the nation. Across the span of his career, he has pursued uses of technology to support multiple paths to learning and knowing and being and doing. In addition to his work in public education, Walter is an internationally known presenter and author. He has been instrumental in launching and leading online professional development programs and postgraduate professional education courses, and he has actively facilitated online educator communities and web-based interdisciplinary instructional projects over the past 40 years.  Follow Walter McKenzie: Website:https://www.theworthyeducator.com/ssxandhttps://www.theworthyeducator.com/xselerated Facebook:https://www.facebook.com/groups/theworthyedcator Linkedin:https://www.linkedin.com/in/the-worthy-educator/ YouTube:https://www.youtube.com/@TheWorthyEducator 

mike@niddrie.org (Niddrie Community Church)no

The discussion highlights the organization's mission to provide mortgage-free homes and specialized housing for disabled veterans, Gold Star families, and fallen first responders. Learn more about your ad choices. Visit megaphone.fm/adchoices

We revisit the best of Stephanie Miller. Join her as she discusses the lack of serious proposals for affordable housing, grocery prices, and healthcare access, while also addressing the farcical aspects of political media today. She highlights the energy of grassroots activists and the importance of voting, especially in the wake of recent events. With guest Mark Ramos, LACDP Chair!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In EVN Report's news roundup for the week of December 26: the Armenian government is prepared to fund the rehabilitation of several strategic railway segments, currently under Russian management, should the Russian side fail to fulfill its obligations; ICRC visits all Armenians currently held in Azerbaijan; the World Bank approves a $250 million grant for immediate housing assistance to Artsakh Armenians.

Welcome to The Starting Zone Podcast, The World of Warcraft Podcast for New and Experienced Players! This week Spencer Downey and Jason Lucas discuss Winterveil, Midnight Prepatch Release Date, Housing and Brawler's guild fixes, Hotfixes and everything going on around Azeroth! Episode #715: Prepatch January 20th! What's New this Week in World of Warcraft! Weekly Event - Legion Timewalking Weekly Event - Delves Bonus Event Weekly Event - Pet Battle Bonus Event Weekly Quest - Choose One PvP Brawl - Arathi Blizzard Mythic+ Affixes - Xal'atath's Bargain: Devour Feast of Winterveil - December 15th to January 2nd Don't miss it Weekly Checklist World Boss - Reshanor, in Karesh Special Assignment World Quests Theater Troupe Awakening the Machine Spreading the Light Severed Threads Pacts Worldsoul Memories Nightfall Scenario Important Posts The Midnight Pre-Expansion Content Update Goes Live January 20! 12.0.1 Midnight Beta Test Development Notes Midnight Beta Test Development Notes Midnight PTR Development Notes Hotfixes and much more! You can find us on Discord at The Starting Zone or email us at TheStartingZone@Gmail.com Have you heard about our Patreon? It's a great way to support the show and goes towards making more content for you! Check it out here: https://www.patreon.com/thestartingzone Looking for to grab some great TSZ merch? Look no further than here! We've got the shirts, hoodies, mugs, pillows even stickers you want!

In this episode of Money Moves, Matty A. and Ryan Breedwell break down a market that's sitting at a critical inflection point. With investors digesting the latest economic data, shifting rate expectations, and mounting pressure across housing and consumer balance sheets, the guys separate real signals from media-driven noise.They discuss why recent market volatility doesn't necessarily signal weakness, how investors should be interpreting rate cut expectations, and why capital continues flowing into risk assets despite bearish headlines. The conversation expands into real estate, where affordability challenges, insurance costs, and taxes are forcing cracks in the market—creating stress for sellers but opportunity for patient buyers.Matty and Ryan also examine consumer behavior, debt trends, and why asset ownership remains the strongest long-term defense in an environment of currency debasement and government spending. The episode closes with actionable perspective on positioning portfolios as markets adapt rather than collapse.This is a must-listen episode for investors looking to stay grounded, disciplined, and opportunistic in uncertain times.Topics CoveredMarket volatility and why pullbacks don't equal crashesRate cut expectations and how markets are pricing them inInvestor sentiment vs. actual economic dataHousing affordability, insurance costs, and tax pressureEarly warning signs and opportunity in real estateConsumer debt trends and spending behaviorWhy asset ownership outperforms cash long termPositioning portfolios during macro uncertaintyEpisode Sponsored By:Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/CRE MASTERMIND: Visit myfirst50k.com and submit your application to join!FREE CRE Crash Course: Text “FREE” to 844-447-1555FREE Financial X-Ray: Text  "XRAY" to 844-447-1555

In this episode, producer Kailyn Bennett breaks down a new bipartisan housing bill that has advanced out of the House Financial Services Committee as lawmakers look for solutions to the housing affordability crisis. We cover what's included in the Housing for the 21st Century Act, how it aims to streamline zoning and permitting, and why expanding housing supply remains central to improving affordability.