Podcasts about Housing

After years of stalled plans and unfulfilled promises of affordable housing near the Barclays Center, David Brand, housing reporter for WNYC and Gothamist, reports on a new plan for housing at Atlantic Yards. 

AlabamaGOP House Delegate support the passage of the NDAA for 2026Congressman Moore is endorsed for senate primary by OH senator MorenoFannie Mae offices to relocate from CA to Birmingham AlabamaSCOTUS heard oral arguments over IQ levels in death row inmate case in ALScholastic Books under scrutiny after LGBTQ books sold at middle schoolGovernor Ivey announces new tractor assembly plant coming to MonroevilleNationalPresident Trump fully pardons CO elections clerk Tina PetersUS senate votes down bill to extend Obama care subsidies and tax creditsDirector of National Counterterrorism says 18K people on terrorism watch list now here in the USUS Navy submits report on Sen. Mark Kelly and his part in subversive videoSecretary of Ed says $1B in financial aid fraud has been identified & haltedDept of Housing says housing prices directly due to mass migrationExecutive Director for BLM in OK indicted on 25 counts involving $

Housing demand is finishing 2025 on a high note. Mortgage purchase applications have climbed to their strongest level in nearly three years, thanks to 18 straight weeks of improved mortgage spreads keeping rates near 6%. In today's episode, Kathy Fettke breaks down what's driving this surge in buyer activity, how inventory and pricing trends are shifting, and what the latest data signals for the housing market as we head into 2026. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://www.housingwire.com/articles/mortgage-spreads-boost-demand/ 

In this episode, the team digs into the newly updated 2025 edition of The Wealthy Barber — Dave Chilton's iconic Canadian personal finance book that helped shape millions of financial journeys. Ben, Dan, and Ben walk through the biggest lessons Dave has reworked for a world of high housing costs, social-media-fueled spending pressure, new tax-sheltered accounts, and the ever-present noise of investing advice. This discussion explores why the book remains so effective: it blends timeless principles with approachable storytelling, humor, and deeply practical guidance. The conversation also highlights Dave's real-world insights from reviewing thousands of personal financial situations across Canada. You'll hear how the book explains foundational habits like paying yourself first, why simple investing beats stock picking, how renters can build wealth, and why understanding your own spending is the key to unlocking both financial progress and happiness. Whether you're brand new to money or a seasoned investor, the updated lessons hit harder in 2025 than ever before.   Key Points From This Episode: (0:04) Introduction — recording early and setting up a deep dive into the updated Wealthy Barber. (0:53) Why the new 2025 edition lands so well: humor, modern references, and timeless lessons. (1:30) Dave Chilton's real-world insight from reviewing thousands of Canadians' financial situations. (2:23) Why the storytelling works — characters, humor, and accessible teaching. (3:45) Inside the narrative: Roy the barber, Matt, Maddie, Jess, Kyle, and the barbershop regulars. (7:53) Lesson 1: "You can do this" — personal finance isn't about math, it's about simple principles. (12:08) Lesson 2: Save 10% and pay yourself first — habit beats theory, compounding does the rest. (14:29) Why saving is hard today: algorithms, FOMO, lifestyle creep, and rising costs. (16:57) The behavioral case for saving early, even if economists say otherwise. (18:52) Lesson 3: Be an owner, not a loaner — stocks vs. bonds and the engine of human ingenuity. (22:49) The investor's paradox — the less you think you know, the better you invest. (24:05) Why indexing wins: skewed stock returns and the impossibility of picking winners. (27:49) How investing has changed since 1989 — indexing is now widely accessible. (28:18) "The world feels scary today…" — the 1847 quote showing it always feels that way. (34:03) RRSP vs. TFSA — identical outcomes at equal tax rates, and why RRSPs shine when taxed lower later. (39:12) Debunking the RRSP "tax bomb" — why high earners still benefit most. (42:06) Lesson 4: Housing — the four levers to buy today (cheaper homes,

Why is housing so expensive, and what can local communities actually do about it? In this live recording, Chuck unpacks the roots of America's housing trap and shares actionable reforms that any community can implement. Additional Show Notes This presentation was recorded live from Wayne, Pennsylvania. Click here to bring Chuck to your own city! Check out Strong Towns' housing toolkits for more strategies to bring housing to your community. Chuck Marohn (Substack) This podcast is made possible by Strong Towns members. Click here to learn more about membership.

The housing crisis isn't a mystery — it's a political disaster. This episode dives into:

The truth behind inflation, housing, and global power moves — a deep dive into how Trump is reshaping America's economy and defending its interests:

Alan Franks reveals why so many business owners stay broke, how to build wealth outside your company, and why financial planning must include real estate.In this episode of RealDealChat, Jack Hoss sits down with Alan Franks, founder of Empowered Money and Business Planning Institute, to discuss why so many entrepreneurs stay broke — despite high revenue, long hours, and endless sacrifice.Alan explains why entrepreneurs often treat their business like a “baby,” reinvesting everything back in and starving their personal finances. He lays out the framework he uses to help business owners build real wealth, diversify across real estate, capital markets, and business equity, and structure operations so the company can run without the owner.He shares lessons from the 2008 crisis, why comprehensive financial planning matters more than ever, the truth about generational wealth (it's NOT the money), how to balance liquidity and long-term growth, and why today's economy demands a plan that includes real estate, investing, AND a sellable business.This is one of your most actionable “business + finance + real estate” episodes.What You'll LearnWhy so many business owners stay broke despite big revenueHow to split revenue into operating, owner comp, taxes & wealth-buildingWhy financial planning must include real estateThe power of fee-based planning vs financial product salesThe “Ready → Aim → Fire” framework for new investorsWhy liquidity risk is the real danger in real estateHow to evaluate today's economy (rates, tariffs, inflation)Why owning a sellable business = real generational wealthHow to avoid over-reinvesting in your companyHow SOPs, documentation & AI-driven systems free the ownerHow to build personal wealth outside the business

A judge blocks the federal government's use of the California National Guard effective Monday. Housing advocates are suing the state and city of L.A. over housing density laws in burn zones. Cal State Northridge gets its biggest donation ever. Plus, more from Evening Edition. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.comThis LAist podcast is supported by Amazon Autos. Buying a car used to be a whole day affair. Now, at Amazon Autos, you can shop for a new, used, or certified pre-owned car whenever, wherever. You can browse hundreds of vehicles from top local dealers, all in one place. Amazon.com/autosVisit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency! Support the show: https://laist.com

If you're trying to understand why starter homes have vanished, why marriage and birth rates are falling, or why your kids can't afford to move out, you won't find a clearer guide than Dr. Emily Hamilton. Her latest piece in Governing, “To Support Families, Repair the Housing Ladder,” is a must-read. It makes a simple but devastating point: We've eliminated the low rungs of the housing ladder—and now we're shocked people can't climb it.Starter apartments? Outlawed. Manufactured housing? Zoned out.SROs? Gone. Family-friendly rentals? Blocked by NIMBY politics. And now the U.S. is flirting with population decline for the first time ever. This conversation explains why—and what to do about it.

What happens to a society when people decide to have fewer children—or none at all? And what does that mean for our economy, our housing market, the workforce, and even our financial futures?Today we're looking at one of the most consequential demographic shifts of our time: the global decline in birth rates. And we're doing it with someone who has spent the last year leading an extraordinary international reporting project on exactly this.My guest is Sarah McCammon, National Political Correspondent at NPR and co-lead reporter of the series Population Shift: How Smaller Families Are Changing the World. You may have seen the headlines, but Sarah's work goes far deeper—across Finland, Greece, and the United States—to understand why people are having fewer kids, and what the downstream effects look like on everything from the labor market to aging, immigration, childcare, housing, and the future of economic growth.We talk candidly about the financial pressures families face, why even countries with generous social safety nets aren't reversing the trend, how shifting relationship patterns and cultural expectations factor in, and what all of this means for you whether you're raising kids now, hope to someday, or are simply planning for your financial future in a world that may look very different in the decades ahead.Sarah also opens up about her own experience becoming a parent in her twenties without paid leave, what she might do differently today, and what economists and policymakers are still struggling to understand. Hosted on Acast. See acast.com/privacy for more information.

LIVE COURTROOM COVERAGE — NO COMMENTARY This is the raw, uninterrupted courtroom feed from The Trial of Brian Walshe, presented exactly as it unfolds inside the courtroom. Brian Walshe is standing trial in connection with the disappearance and death of his wife, Ana Walshe, a case that has captured national attention and raised urgent questions about digital evidence, marital dynamics, and investigative timelines. This series provides unfiltered access to the testimony, exhibits, expert witnesses, and courtroom decisions as they happen. There is no editorializing, no added narration, and no commentary — just the court, the attorneys, the witnesses, and the judge. Viewers can follow every moment as the prosecution lays out its timeline, the defense challenges the state's case, and the court works through a complex and highly scrutinized trial that has been years in the making. If you're watching our live companion analysis on Hidden Killers or catching up with the highlight segments later, this raw feed serves as the complete, original source for everything happening inside the courtroom. #BrianWalshe #AnaWalshe #Courtroom #TrialCoverage #TrueCrime #LiveTrial #HiddenKillers #CourtFeed #LegalProceedings #TrialUpdates Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

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

LIVE COURTROOM COVERAGE — NO COMMENTARY This is the raw, uninterrupted courtroom feed from The Trial of Brian Walshe, presented exactly as it unfolds inside the courtroom. Brian Walshe is standing trial in connection with the disappearance and death of his wife, Ana Walshe, a case that has captured national attention and raised urgent questions about digital evidence, marital dynamics, and investigative timelines. This series provides unfiltered access to the testimony, exhibits, expert witnesses, and courtroom decisions as they happen. There is no editorializing, no added narration, and no commentary — just the court, the attorneys, the witnesses, and the judge. Viewers can follow every moment as the prosecution lays out its timeline, the defense challenges the state's case, and the court works through a complex and highly scrutinized trial that has been years in the making. If you're watching our live companion analysis on Hidden Killers or catching up with the highlight segments later, this raw feed serves as the complete, original source for everything happening inside the courtroom. #BrianWalshe #AnaWalshe #Courtroom #TrialCoverage #TrueCrime #LiveTrial #HiddenKillers #CourtFeed #LegalProceedings #TrialUpdates Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

When disaster strikes - whether it's a fire, flood, or even a bat infestation - families are often left scrambling for safe, comfortable housing. That's where Jake Mast steps in. In this episode, Heather Bayer sits down with Jake, founder of Rapid Response AI Housing, to explore how his company is disrupting the traditional insurance housing model by combining speed, accuracy, and human-centered AI solutions. Jake shares his unconventional journey - from CPA to Hollywood actor to vacation rental host - and how that ultimately led him to carve out a niche in insurance relocation housing. With a growing network of 6,000+ landlords and boots-on-the-ground resources across North America, Jake's mission is clear: place displaced families quickly and responsibly into homes that reflect the life they've had to leave behind. ________________________________________________________________________________________________________

Chad Maisel, senior fellow for economic policy at the Center for American Progress Action Fund, joins the show to discuss the affordability crisis and CAP's plan to reduce the cost of housing. Chad and Colin also discuss competing theories on how to address the cost of living.

In this episode, Lisa welcomes back EJ Antoni from The Heritage Foundation to break down America’s affordability crisis and the real-world economic pressures squeezing working families. From rising housing costs and persistent inflation to the impact of immigration and government spending, the conversation examines how political messaging often diverges from everyday financial realities. Antoni explores generational money challenges, cost-of-living pressures, and why many Americans feel left behind by current economic policies. The Truth with Lisa Boothe is part of the Clay Travis & Buck Sexton Podcast Network - new episodes debut every Tuesday & Thursday. See omnystudio.com/listener for privacy information.

Mayor-elect Zohran Mamdani announced that he will end targeted sweeps of homeless encampments and tents as mayor. Dan Rivoli, politics reporter at Spectrum News NY1, discusses the polarized response to this announcement, and what alternative to these sweeps Mamdani has planned instead. 

Want the cheat code to protect and grow your wealth? Check out Rebel Capitalist Pro https://rcp.georgegammon.com/pro

Welcome to The Starting Zone Podcast, The World of Warcraft Podcast for New and Experienced Players! This week Spencer Downey and Jason Lucas discuss Housing early access is live, Professions and Housing, Midnight Raid Schedule, Hotfixes and everything going on around Azeroth! Episode #713: 11.2.7 Week One! What's New this Week in World of Warcraft! Weekly Event - Mists of Pandaria Timewalking Weekly Event - Battleground Bonus Event Weekly Quest - Titan Disc Fragments PvP Brawl - Battleground Bonus Event Mythic+ Affixes - Xal'atath's Bargain: Pulsar Darkmoon Faire - December 7th to December 13th UPCOMING: 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 Take a Ride on Turbulent Timeways December 2 to February 3 World of Warcraft®: Midnight™ Goes Live March 2! The Warning Content Update Notes Housing Blogs Professions Unpacked: Craft Housing Decor with Reagents from Every Era Achievement Unlocked: Decorating Your Azeroth Home Legion Remix Housing Decor Now Available Housing Development Notes – Updated December 2 Midnight Competitive Season 1 Schedule Midnight Beta Test 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!

Dan Silverman, Co-CEO and Co-Founder of Balcony, joined me to discuss how the firm is tokenizing billions in real estate on the Avalanche blockchain. Topics:- Bergen County NJ tokenizing $240 Billion in Property on Balcony's Platform - Balcony Partners With Chainlink - Real Estate tokenization - current state and future outlook - Different ways blockchain can be used in the Real Estate process Brought to you by

This week we're Han Solo but we're sharing news about fire departments and their impacts on cities, how Boston and Denver are considering putting housing together with other public services like libraries and police stations, and a bill that would allow transit agencies to get projects environmentally certified in state. And much much more!!! Below the fold are the article links we chatted about on the show: News Items Fire Department vs traffic safety - The Discourse Lounge Do we really love driving? Psychology Today Libraries and affordable housing - Christian Science Monitor Bipartisan transit bill  for environmental regs - Deseret News Toronto narrowing the lanes - CityNews Bonus Items Raccoons domesticating? The Guardian Midwest vs sunbelt news - Neiman Lab German light budgets - Brussels Signal Road user charge for UK EVs - Traffic Technology Today Zipcar to leave UK - BBC News Street parking for free buses - New York Times Zillow ditches climate maps - Moving Day +++ Get the show ad free on Patreon! Follow us on Bluesky, Threads, Instagram, YouTube, Flickr, Substack ... @theoverheadwire Follow us on Mastadon theoverheadwire@sfba.social Support the show on Patreon http://patreon.com/theoverheadwire Buy books on our Bookshop.org Affiliate site!  And get our Cars are Cholesterol shirt at Tee-Public! And everything else at http://theoverheadwire.com

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the latest Blackrock hysteria, a three-year high in home demand, and the upcoming Fed meeting. Related to this episode: Mortgage purchase applications near 3-year high as spreads improve HousingWire Youtube More info about HousingWire To learn more about Trust & Will, click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Military housing has its own rhythm — the kind of rhythm built from constant moving, constant turnover, and the ghosts of routines long abandoned. Every base kid knows the feeling: identical houses lined up in neat rows, walls thin enough to hear your neighbors breathe, and a strange quiet that settles deep at night. But sometimes a house doesn't just hold memories. Sometimes it keeps them alive. In this episode, we explore a haunting wrapped not in fear, but in familiarity — one that crept into a North Carolina duplex in subtle, unmistakable ways. A scent that seemed to appear out of nowhere. Soft sounds drifting from rooms that should have been empty. The sense of someone standing just behind you on the stairs, pausing, waiting. Nothing violent. Nothing malicious. Just a presence that felt… unfinished. And then came the voice — speaking a name no one living should have spoken. Is it grief echoing through the walls, or a spirit replaying the only life it remembers? #hauntedhousing #militarybasehaunting #realghoststory #paranormalencounter #residualhaunting #ghostlypresence #hauntedduplex #vanishingvoices #ghosts #truehaunting Love real ghost stories? Don't just listen—join us on YouTube and be part of the largest community of real paranormal encounters anywhere. Subscribe now and never miss a chilling new story:

Why does it feel like the harder you work, the further ahead others get—and the further behind you fall? In this explosive episode, Paul Musson, author of Capital Offence and host of the Paulitical Economy™ podcast, joins Lisa G. on the WholeCEO Podcast to break down the real reasons ordinary people are losing wealth in a system designed to favor a select few. Paul is known for turning mind-bending economic concepts into clear, simple truths—and this conversation uncovers the hidden mechanics shaping your financial life, your future, and your freedom. If you've ever felt the system wasn't built for you… you need this episode.

Redfin has released its 2026 housing forecast, calling it the start of "The Great Housing Reset." In this episode, Kathy breaks down what to expect next year—from easing mortgage rates to slower price growth, rising rents, and why affordability may finally begin to improve. Learn how these shifts could affect buyers, sellers, and investors in the year ahead. If you want to hear Redfin's Chief Economist talk about this report visit www.Realwealthshow.com or on you favorite podcast app on December 9, 2025 to learn more.  JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://www.redfin.com/news/housing-market-predictions-2026/ 

Reverend Dr. William Bennett of Good Success Church, Dr. A. Lionel Edmonds of Mount Lebanon Baptist Church, and Reverend William Spencer of Alfred Street Baptist Church join MIP on 89.3 wpfw.org to discuss the spiritual and social responsibility of churches during a time of intense housing stress.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Tara dives deep into FBI failures, political hoaxes, government fraud, and Gen Z dynamics in this explosive episode: 1️⃣ The January 6 Pipe Bomber Mystery

1️⃣ The January 6 Pipe Bomber Mystery

On this week's podcast Maddy Day of Maddy Day and Associates joins to talk about what it takes to provide stability on college campuses for youth who have experienced aging out of foster care, homelessness or both. She is helping to coordinate a Congressional briefing planned for 2026 on the subject. It's Newsmatch season! Please consider donating to support this podcast and the incredible work that our Imprint reporters do every day. If you donate this month, your contribution will be DOUBLED!www.Imprintnews.org/donateMaddy Day is the founder of Maddy Day and Associates. She co-founded the University of Washington Champions Program, in 2010, and directed the Fostering Success Michigan statewide initiative at Western Michigan University until 2018.Reading RoomWhy Isn't Community College Working for So Many Foster Youth?https://imprintnews.org/podcast/why-community-college-not-working-so-many-foster-youthMaking my Dream of Attending College Possiblehttps://imprintnews.org/youth-voice/making-my-dream-of-attending-college-possible/64932Grieving the Loss of Housing and My Mother While Navigating College as a Foster Youthhttps://imprintnews.org/youth-voice/grieving-the-loss-of-housing-and-my-mother-while-navigating-college-as-a-foster-youth/65080The Imprint's Archive of Educationhttps://imprintnews.org/topic/education

Girls Gone WoW keeps the Warcraft community in the know from a fresh perspective. Join #teampositive and their plethora of guests from the community each and every week! Housing has finally landed! At least you own Midnight! And Renata is back to tell us all about how it's going when you have over 2000 new items to get into the WowHead database! We hope you enjoy the show – if you want to be a guest you can get in touch with us on Discord by joining us at bit.ly/ggw-discord or email us at girlsgonewowpodcast@gmail.com Find this episode and many others at https://www.bonusroll.gg/directory/girls-gone-wow/

00:00 Intro 00:50 Berkshire buying $GOOGL: AI revenue 06:35 Mag7 heavy capex 12:30 Circular nature of AI 16:27 Thoughts on the $NFLX / $WBD deal 29:00 $FISV / $LRN massive sell-off 43:00 Insurance business heading into 2026 45:50 Housing industry 51:00 Capital cycles

On Tuesday, the San Diego City Council will vote on whether to continue using controversial license plate reader technology. Carlsbad is moving forward with new age restrictions for E-Bike riders. San Diego Unified School District has announced plans to build 1,500 homes for district employees.   What You Need To Know To Start Your Sunday. 

Creative Solutions for Housing Affordability and Real Estate InvestmentIn this episode of Stay Winning Wealth, the host is joined by mortgage lender and content creator Joel Ferrell (@lendingforentrepreneurs). They discuss the challenges and opportunities in the current housing market, including strategies for making homeownership more affordable. Topics include the impact of rising housing costs, the potential of 50-year mortgages, multi-applicant mortgage loans, and the long-term effects of financial decisions made in youth. They also explore the importance of creative financing and the role of real estate investment in overcoming economic stress and building generational wealth. The discussion emphasizes practical advice for saving, investing, and leveraging resources to achieve financial stability and prosper in today's economic climate.00:00 Introduction and Guest Welcome00:25 Discussing Housing Affordability and 50-Year Mortgages02:52 Creative Financing and Multi-Person Mortgages06:19 Economic Pressures and Family Dynamics11:59 Impact of Immigration on Housing Demand19:18 Real Estate as a Tool for Generational Wealth23:19 New Opportunities in Real Estate23:42 The Impact of Student Debt on Home Buying24:25 Financial Planning for Different Life Stages24:59 Creative Strategies for Building Wealth27:45 The Importance of Consistent Effort30:54 Leveraging Social Media for Success39:41 The Value of Networking and Community44:55 Final Thoughts and Future PlansConsider becoming a channel member: youtube.com/@staywinningusd/join#realestatemarket #housingmarket #housingcrisis ________________________________________________________________FOLLOW ME ON X: https://twitter.com/staywinningusdFOLLOW ME ON INSTAGRAM: https://www.instagram.com/staywinningusd/SUBSCRIBE ON YOUTUBE: www.youtube.com/@staywinningusdDOWNLOAD ON SPOTIFY: https://open.spotify.com/show/2lPyA19keI2fpr0xZrEKxM________________________________________________________________Free Stuff:COINBASE: - https://www.coinbase.com/join/QUZTBUQ?src=android-linkFAIRFIGURE - https://fairfigure.com/?fpr=hugo66NOVO - https://onboarding.novo.co/signup?referral_code=HUGOALONZOSPARK 1% CLASSIC - https://www.capitalone.com/small-business/credit-cards/lp/referrals/?referralCode=3MCCRKQD&customerName=HUGO&programCode=4015&pId=859187&oC=COFR58RSswSTASH - https://get.stash.com/?code=hugo8gqtrMy Tools:DESCRIPT - https://www.descript.com/referral-program?utm_source=user_referral&productId=web.descript.com&ucc=nFmYnMFqdM7&celloN=U3RheQOPUS CLIP - https://www.opus.pro/?via=ef27d8VIDIQ - https://vidiq.com/staywinningpod/My Equipment on Amazon: VHQQ USB C LAVALIER - https://amzn.to/3YyUAklMOVO MIC HANDLE - https://amzn.to/4d90j57SAMSON Q9U XLR/USB MIC - https://amzn.to/3yi70ThDEPSTECH 4K WEBCAM - https://amzn.to/3LU5ee0HOLLYLAND LARK M1 WIRELESS LAV - https://amzn.to/3YwEt6UPIXEL 8A - https://amzn.to/4c91QXuLOGITECH BRIO 101 - https://amzn.to/3yosr55VIDEO LIGHTING WITH C-CLAMP https://amzn.to/3WxOZYXDISCLAIMER: I am not a financial advisor. These videos are for educational and entertainment purposes only. It's not intended as personal or financial advice. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. Before doing any kind of investing or making a financial decision, do your own research and contact a professional financial advisor as needed. I am merely sharing my opinion with no guarantee of gains or losses on investments.Affiliate Links: I receive a small commission for some of the links shared here. These affiliate links are of products and services I have used myself and highly recommend to my audience. It doesn't cost you any extra money to purchase products using my link. By using these links, you are supporting my channel and allowing me to create more free content for you. Thank you!

Next week Vancouver City Council will consider Mayor Ken Sim's controversial proposal to fast-track a new Filipino Cultural Centre without community consultation. Also on the agenda, Vancouver's Social Housing Initiative, plans to radically change the current plan for the Downtown Eastside and much more. We speak with Redeye's Ian Mass.

Top Stories for December 6th Publish Date: December 6th PRE-ROLL: SUGAR HILL ICE SKATING From the BG AD Group Studio Welcome to the Gwinnett Daily Post Podcast. Today is Saturday, December 6th and Happy Birthday to Peter Buck from REM I’m Peyton Spurlock and here are your top stories presented by Gwinnett KIA Mall of Georgia. Gwinnett Chamber Foundation honors small business leaders at inaugural Power of Impact Gala Lawmakers seek Lottery money for need-based college scholarships Applications for Jackson EMC Washington Youth Tour now open All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: Kia Mall of Georgia STORY 1: Gwinnett Chamber Foundation honors small business leaders at inaugural Power of Impact Gala The Gwinnett Chamber Foundation held its first-ever Power of Impact Gala on Dec. 3 at Bear’s Best Suwanee, bringing together over 130 business leaders to celebrate small business growth and mentorship. Award winners included Dr. William “Bill” Russell (Legacy Business Leader), Alicia Cole of Lillies Boutique (Certification Cohort Member), and Berthine Crèvecoeur West of Westbridge Solutions (Accelerator Cohort Member). The event also celebrated the 2025 Small Business Impact Institute graduates, seven of whom earned supply-chain certifications. STORY 2: Lawmakers seek Lottery money for need-based college scholarships Georgia’s public colleges hit record enrollment this fall, with over 382,000 students, but a bipartisan Senate committee says too many are still being left behind. The HOPE Scholarship, funded by the state lottery, has helped over 2 million students since 1993, but it’s merit-based—requiring a 3.0 GPA—and doesn’t account for financial need. For low-income students juggling work and school, losing HOPE often means dropping out entirely. The committee is pushing for a $126 million need-based aid program, funded by the lottery’s $1.7 billion reserves. But not everyone’s on board. Critics argue need-based aid feels like “social welfare,” despite warnings of a growing “brain drain” as students leave Georgia for better financial aid elsewhere. Gov. Brian Kemp praised HOPE’s legacy this week, but advocates say Georgia must do more to keep talented students in-state. STORY 3: Applications for Jackson EMC Washington Youth Tour now open Jackson EMC is now accepting applications for the 2026 Washington Youth Tour—a once-in-a-lifetime, all-expenses-paid trip to D.C. from June 12-19. Four lucky high school sophomores or juniors from the Jackson EMC service area will be selected for this leadership experience. Who’s eligible? Students with strong grades, a passion for community service, and an interest in building connections. You can apply online at jacksonemc.com/wyt or be nominated by a teacher or counselor. Applications close Jan. 31, 2026. Finalists will interview on Feb. 16 with a panel of leaders. The trip includes visits to monuments, Smithsonian museums, Arlington Cemetery, and even a chance to meet Georgia’s congressional delegation. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: Ingles Markets - DTL HOLIDAY STORY 4: Walmart launches drone delivery service in Georgia — including Loganville No, drones won’t be squeezing down your chimney, but if you live near one of six Walmart Supercenters around Atlanta, they might just drop a package on your lawn in time for Christmas. Walmart, teaming up with Wing, announced Wednesday that drone deliveries are now a thing in metro Atlanta—just in time for last-minute shoppers. Need wrapping paper? Holiday meal ingredients? A stocking stuffer you forgot? These 12-pound drones, zipping along at 60 mph, can deliver in five minutes if you’re within six miles. For now, Georgia’s drone-enabled Walmarts are in Conyers, Dallas, Hiram, Loganville, McDonough, and Woodstock. And while this is Atlanta’s first legal drone delivery service, drones have already been making, uh, less festive deliveries—state officials recently flagged them as a growing problem for smuggling contraband into prisons. Still, for holiday procrastinators, this tech could be a game-changer. Fewer delivery trucks on the road? That’s a win for everyone. STORY 5: ‘TIS THE SEASON: Your 2025 Guide To Tree Lightings And Holiday Celebrations In And Around Gwinnett County The holidays are in full swing, and there’s no shortage of festive fun around Gwinnett County. Here’s a quick rundown: **Suwanee’s Jolly Holly Days** (Dec. 8–9): Two days of crafts, live music, a pet parade, and Santa’s grand arrival. **Lilburn Holiday Parade** (Dec. 9): Floats, bands, and Christmas characters galore. **Duluth’s Deck the Hall** (Dec. 9): Snow slides, crafts, and Santa pics. For more, check city websites! Break 3: GCPS HIRING STORY 6: Dr. Carla Price joins Northeast Georgia Physicians Group in Dacula For over 20 years, Dr. Carla Price has been a familiar face in northeast Georgia, caring for families and building relationships that last. Now, she’s bringing her expertise—and her heart—to Northeast Georgia Physicians Group Hamilton Mill. Her journey started on a farm in Fairmont, West Virginia, where she helped her grandfather care for sick cows. That early love of healing led her to West Virginia University for med school, then Savannah for residency, and eventually to Winder in 2002. Now, when she’s not at the clinic, you’ll find her on her 8-acre horse farm in Jefferson, raising chickens, riding horses, or tending to her bees. She’s also a beach lover, often escaping with her fiancé and three daughters. NGPG Hamilton Mill, located at 3575 Braselton Highway in Dacula, is open seven days a week. Call 770-848-5300 or visit ngpg.org/price to book an appointment. STORY 7: Rainbow Village marks 12th year as Subaru of Gwinnett's hometown charity Rainbow Village, a Duluth nonprofit helping families overcome homelessness, has once again been named Subaru of Gwinnett’s Hometown Charity for the 2025 Subaru Share the Love® Event. This marks 12 years of partnership, with donations from car sales and service appointments supporting Rainbow Village’s mission of “Help, Hope, Housing, and Healing.” For a nonprofit that relies on private funding for 90% of its budget, relationships like this are a lifeline. Last year’s event raised $51,475. This year? They’re aiming even higher. We’ll have closing comments after this Break 4: THE SUGAR HILL HOLIDAY Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com www.kiamallofga.com 2025 Buford Holiday Festival & Parade All-In-One Flyer Holiday Celebration 2025 – City of Sugar Hill Ice Rink – Downtown Sugar Hill NewsPodcast, CurrentEvents, TopHeadlines, BreakingNews, PodcastDiscussion, PodcastNews, InDepthAnalysis, NewsAnalysis, PodcastTrending, WorldNews, LocalNews, GlobalNews, PodcastInsights, NewsBrief, PodcastUpdate, NewsRoundup, WeeklyNews, DailyNews, PodcastInterviews, HotTopics, PodcastOpinions, InvestigativeJournalism, BehindTheHeadlines, PodcastMedia, NewsStories, PodcastReports, JournalismMatters, PodcastPerspectives, NewsCommentary, PodcastListeners, NewsPodcastCommunity, NewsSource, PodcastCuration, WorldAffairs, PodcastUpdates, AudioNews, PodcastJournalism, EmergingStories, NewsFlash, PodcastConversations See omnystudio.com/listener for privacy information.

Philadelphia drivers brace for months of overnight closures on the westbound Schuylkill Expressway as bridge repairs begin. In City Hall, Council advances Mayor Parker's affordable housing initiative but sparking political tension. Across the river, a contentious hearing in Trenton regarding oversight legislation turns raucous, drawing high-profile opposition from top Democrats. We also explore a troubling survey showing how immigration crackdowns are causing families to avoid medical care out of fear. Finally, pack your bags: Philadelphia is officially getting its own cruise terminal, with Norwegian Cruise Lines setting sail in 2026. 0:00- Intro 2:10 - Major road closure 6:37- Philly's Affordable Housing Plan 12:34- ICE's medical impact 18:47-NJ's comp controller 24:09- Willian Penn's art fund 30:25- Norwegian cruises coming to Philly To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

1001 Chicagoland Housing Experts 12.06.25 by WCPT 820 Weekend

David Brand, housing reporter for WNYC and Gothamist, and Chris Bragg, Albany bureau chief at New York Focus, talk about their investigation into foreclosure cases.

This episode is sponsored by Fidelity Investments and the all-new Fidelity Trader+ platform. Try Fidelity's most powerful trading experience yet: ⁠⁠⁠⁠⁠https://www.fidelity.com/trading/trading-platforms?immid=100734&imm_pid=430504639&imm_aid=a&dfid=&buf=99999999⁠⁠⁠⁠⁠ Views, opinions, products, services, and strategies discussed are not endorsed or promoted by Fidelity Investments. Fidelity Brokerage Services LLC, Member NYSE, SIPC In this episode of the Risk Reversal Podcast, hosts Dan Nathan and Guy Adami welcome Michael Kantrowitz, Chief Investment Strategist and Head of Portfolio Strategy at Piper Sandler. The discussion delves into Kantrowitz's HOPE framework, which stands for Housing, Orders, Profits, and Employment, and its relevance in the current economic climate. They discuss the nuanced macroeconomic indicators and the impact of inflation, interest rates, and employment on the economy and market forecasts. Kantrowitz emphasizes the importance of analyzing specific economic data points and the K-shaped economy. The conversation also touches on home equity, credit spreads, consumer confidence, manufacturing, and the potential implications of AI on the labor market. Kantrowitz presents a cautiously optimistic view of the economic landscape for 2026, predicting improved conditions in cyclical sectors despite ongoing uncertainties. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

I knew he was running away from something. It wasn't until many years later that I discovered the truth Written and read by Pamela Gordon. Help support our independent journalism at theguardian.com/longreadpod

On this episode of America at Night with Host McGraw Milhaven, McGraw is joined by Todd Sheets, author of 2008: What Really Happened and writer of the Substack newsletter On Wealth and Progress, to break down what truly ended America's golden age of housing and how today's market echoes the past. Later, historian James Hankins, co-author of The Golden Thread: A History of the Western Tradition, joins the show to discuss the enduring ideas, thinkers, and values that shaped Western civilization and why they matter now more than ever. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Renovation, an urban renewal plan in Moscow that was announced in the spring of 2017, proposed to demolish thousands of socialist-era apartment buildings. In a country where it is rare under an authoritarian government, residents supported or opposed the redevelopment by mobilizing and organizing into local alliances. They were often shocked by their neighbors who were excited about the new housing or those suspicious of being displaced. Private Life, Public Action: How Housing Politics Mobilized Citizens in Moscow (Temple UP, 2025) by Dr. Anna Zhelnina traces how residents impacted by the relocation plan became activists despite having little to no experience organizing or even forming political affiliations and opinions. Dr. Zhelnina details the ways in which neighbors engaged in collective action, as well as the individual and structural changes these interactions caused. Dr. Zhelnina develops the concept of “housing strategies” to explain how residents' debates with their neighbors about housing were shaped by their private life strategies. She applies her findings about housing in Moscow to ongoing questions about political mobilization, demonstrating how public engagement is shaped by historical and social contexts. Examining the intersection of housing, politics, and citizenship in contemporary Russia, Private Life, Public Action offers a new way to look at urban change. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Live from the Morgan Stanley Global Consumer & Retail Conference in New York, our analysts discuss the latest macro trends and pressures impacting the U.S. consumer.Read more insights from Morgan Stanley.----- Transcript -----Michelle Weaver: Welcome to Thoughts on the Market. We're coming to you live from Morgan Stanley's Global Consumer and Retail Conference in New York City, where we have more than 120 leading companies in attendance. Today's episode is the first in a two-part special focused on the consumer where we'll focus on the K economy and the health of the U.S. Consumer. Tomorrow for the next episode, we'll turn our attention to AI. My colleagues and I are eager to dig into this discussion. With me on stage, we have Arunima Sinha from the Global and U.S. Economics team, Simeon Guttman, our U.S. Hardlines, Broad Lines, and Food Retail Analyst, and Megan Clap, U.S. Food Producers and Leisure Analyst.It's Thursday, December 4th at 10:00 AM in New York. So, to start, I want to go through the health of the consumer. That's of course been a theme that's been on display at the conference today. And 2025 has really been a year of mixed signals. But overall spending has held up while inflation has weighed on confidence, especially among lower- and middle-income households. Arunima, I want to start with you on the macro front as we head into year end. How would you describe the overall state of the consumer? What are you expecting in terms of real wage growth and spending? Arunima Sinha: If we'll just look at the rearview mirror in terms of Q1 through Q3, this year spending growth on a real basis has been holding up. So, in the first half of this year, about 1.5 percent on average. For the third quarter, given the data that we do now have in hand, we're tracking about 3 percent, quarter-on-quarter, on a real basis. But I think it is important to emphasize that this is already a step down than the numbers that we were seeing last year. So, in 2024 on these Q-on-Q numbers, we were running somewhere between 3.9-4 percent. So there already has been some slowdown. The recurring theme that we've had this year is how are the drivers of consumption going to weigh on different cohorts? And so, how is the labor market going away and how are wealth effects going to play out? And that, sort of, tied in squarely with the narrative that we've been emphasizing this whole year, which is that for the upper income cohorts, those net wealth effects have been very, very supportive. $50 trillion in net wealth that's been created just over the last three years. And that has continued for this year as well. And so, meanwhile the labor market has downshifted and that's had a read through into both just nominal wage growth as well as real wage growth. So, for example, on a three-month, three-month basis, that real wage growth, after we've adjusted for the nominal for inflation, has slowed down essentially to stall speed. It used to run, somewhere between 2-2.5 percent, in the first part of this year. And that we think is going to have a read through as we go into this upcoming quarter of Q4, as well as in the first quarter of next year. So just this lagged effect from the slowdown on labor market income is going to weigh; continue to weigh on the middle-income and sort of the upper-, lower- part of the income cohort. So, in terms of our growth forecasts for spending, over this quarter in Q4 and over next quarter in Q1, we are expecting about 1 percent real growth for consumption. That is a two-percentage point step down from where we were in Q3. And then just in terms of disposable income, we're also thinking this particular quarter in Q4 is going to be fairly weak. Michelle Weaver: You spoke a little bit about the different income cohorts there, but I want to double click on that. The K economy has been a really persistent theme as higher income households have benefited from strong market returns. But higher price levels have weighed on lower-income households. What are your expectations for the high versus low-income consumer next year? Arunima Sinha: So next year, we do think that there could be some broadening out in consumption growth. Just overall we have a sequential step up in growth that begins to take place, starting in the second quarter of [20]26. So, we have consumption growth that starts to slowly inch up from about just under 1 percent in the first quarter of [20]26 – all the way up to about 2 percent by the end of the year. What that's going to be driven by, we think that there are going to be some lessening of pressures on the middle-income cohorts. And where is that going to come from? It's going to come from perhaps a still moderate labor market. So, we're not – we don't think we're going to be seeing these big 100,000-150,000 plus jobs being added every month. We're thinking maybe about 60,000 on average per month, for most of next year. But just less policy uncertainty, some boost from the fiscal bill, the fact that monetary policy is going to be heading towards neutral. All of those things should be supportive. Given that the upper-income didn't really slow down this year, we'd also don't think there's going to be a giant acceleration next year. And so, some of that uptick in consumption growth, we think could actually come from the middle-income. And we also think that some of those tariff pressures on inflation are going to start to dissipate after peaking in the first quarter next year. Michelle Weaver: And Simeon, I want to bring the company side into the conversation. What's the early read you've gotten on Black Friday? Expectations into the shopping season were pretty weak. Do you think things could turn out to be better than feared? And are you seeing any differences by income cohort there? Simeon Gutman: The overall take is, it's mixed – to maybe slightly a little worse. I'll answer it in a few different ways. First, the old-fashioned tire kicking that the retail analysts have done during the holiday season. In our hard line, broad line, food retail space mixed to slightly a little worse. In Alex Straton's softline world sounded a little bit better. And then if we combine the takeaways that we've had from companies, at least who presented yesterday, Walmart, Target and some other category killer retailers, it sounded about inline. Underlying trend is relatively stable.I sat on a panel earlier today, with a data aggregator who suggested that the holiday was a little underwhelming. What we don't see; and the underwhelming being at a minus 2 percent run rate for the – I guess, the November to date period, that doesn't include Cyber Monday. What this doesn't account for is the market share shifts. So, one of the ongoing themes across the entire retail landscape has been this big, getting bigger – we say it a lot – but the narrowing funnel of market share. So, the inline updates are probably coming from some of the largest companies, even if the overall holiday was a little underwhelming. Now inline is not anything to write home about. It's harder to get to an inline holiday if you started out below. So inline's okay but not gangbusters. That's probably the right way to characterize it. Michelle Weaver: Megan, same question to you. How is holiday shopping tracking in your space? Have you learned anything surprising about holiday during the conference? Megan Clap: Yeah, I would agree with Simeon relatively inline. I'd say kind of so far so good is what we heard from companies at the conference. We had both Mattel and Shark Ninja product companies that sell into many of the larger retailers that are winning that – that Simeon talked about.Holiday matters a lot for both of them. So, we're still many weeks ahead of us in terms of POS, but Mattel talked about positive POS continuing through the Black Friday season. They left their guidance unchanged today. They're seeing replenishment from their retailers and orders in line with expectations, which was a question just given some of the uncertainty in the landscape. Shark Ninja sells small appliances. They spoke to a strong Black Friday – again, seeing the fourth quarter and holiday play out in line with their expectations. Maybe a couple themes that stood out and one of them was particularly interesting to me. You talked about the K economy, I think, you know, it was very clear the higher end consumer continues to spend and outperform. Value and innovation continue to be things that consumers are looking for. Online seem to do better than in stores. That's what we heard from a lot of companies coming out of last week. And then newer channels like TikTok Shop are coming into the mix and, and brands are seeing, you know, strong growth from those channels as well. Michelle Weaver: And Arunima, I want to wrap this section on Fed policy. How do you expect Fed policy in 2026 to influence consumer spending and recovery, especially for those middle- and lower-income households? Arunima Sinha: We still have the Fed on an easing path into the first half of 2026. So we think 75 basis points and additional policy cuts into next year. But that more or less just takes monetary policy to some estimate of neutral. So, the point is that it's not monetary policy's becoming easier, it is simply just getting too neutral. And so, if we think about the most interest sensitive types of consumption, it's going to come from Housing and it's going to come from Durables. And what our housing strategists are thinking is that given this sort of front end of the curve, our tenure forecast for the middle of next year is still at about 3.75. And so, mortgage rates could dip below 6 percent. So, it's not the front end of the curve. It is that sort of belly of the curve there that's important there. And so there could be some pickup in housing that's going to be important. I think for the middle-income consumer affordability, we think it's still going to be an important concern for housing, but perhaps the middle-income could benefit from some of those lower mortgage rates that are going to come in. Michelle Weaver: ​ Arunima, Simeon, and Megan, thanks for all your insights. And to our live and podcast audiences, thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen to the show and share the podcast with a friend or colleague today.

In this live Q&A, Chuck explains why small-scale housing is so hard to build. From codes to permitting to financing, he breaks down the friction points that stall projects everywhere and explains how cities can address them.   (Note: This episode was recorded live in Lancaster, Pennsylvania. Some questions may be difficult to hear.) Additional Show Notes Bring Chuck to your own city! Learn how to support small developers in our new housing toolkit. Chuck Marohn (Substack)   This podcast is made possible by Strong Towns members. Click here to learn more about membership.

See what 2026's housing costs and mortgage rates might mean for your homebuying plans and learn when you can safely coast on retirement savings. How is the housing market reshaping homebuying going into 2026? When can you stop saving for retirement and still feel confident about your future? Hosts Sean Pyles and Elizabeth Ayoola discuss Coast FI and long-term retirement planning to help you understand when “enough” might truly be enough. But first, senior news writer Anna Helhoski joins Sean and Elizabeth to discuss the year in housing with mortgage writers Holden Lewis and Kate Wood. They review how ultra-low pandemic mortgage rates helped fuel today's affordability crisis, why rising climate risks are driving up home insurance and escrow costs for owners, and how shifting trends like older first-time buyers and fewer buyers with kids are changing what “normal” looks like in the housing market. Then, Sean and Elizabeth discuss Coast FI with listener Paul, who wonders if his roughly $3 million nest egg means he can finally ease off saving for retirement. They discuss how Coast FI differs from traditional FIRE (Financial Independence, Retire Early), ways to manage retirement anxiety even when the math says you're on track, and how a certified financial planner can use tools like Monte Carlo simulations to pressure-test a plan. They also explore balancing long-term security with near-term goals like travel, buying a home, or upgrading a car, strategies for diversifying investments and accounts for tax efficiency, and how to gently transition from aggressive saving to actually enjoying more of your money today. NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: housing market 2026 forecast, housing affordability crisis, mortgage rates 2026, climate change home insurance, rising home insurance premiums, escrow costs increase, home buying budget, when to buy a house, renting vs buying a home, age of first time homebuyer, delaying homeownership, property taxes and insurance costs, Coast FIRE, how much is enough to retire, retirement anxiety, financial independence, living below your means, high savings rate, couples financial planning, Monte Carlo simulation retirement, certified financial planner, balancing saving and spending, money fears, money stories, currency risk in retirement, travel in retirement, and multiple savings goals. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

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Socialism Comes to New York — Cliff May — May critiques New York City Mayor-elect Momdani's socialist-oriented policies, arguing that aggressive rent freeze mechanisms systematically diminish housing stock availability, reduce construction incentives, and undermine long-term affordability through supply contraction. May warns that additional socialist initiatives including fare-free public transportation and police defunding drive middle-class residents toward suburban and exurban jurisdictions. May cites Venezuelan economic collapse and continuing socialism failure across multiple jurisdictions as empirical evidence that socialist economic models fundamentally cannot function effectively in complex modern capitalist economies like New York City. 1888 five points

US President Donald Trump has said he does not want Somali immigrants in the US. There are threats of further immigration raids in Minnesota, home to one third of America's Somali community.Also on the programme: the EU Commissioner for Energy and Housing on Europe's plan to stop importing Russian gas but not until the end of 2027; and how does it feel when the remains of a giant octopus wash up on your shore?(Photo: US President Donald Trump speaks in the Oval Office at the White House in Washington DC on December 3, 2025. Credit: Reuters)

"Even when people [experiencing homelessness] do come into the traditional healthcare system, they're treated terribly... I have heard [firsthand] that they were treated more poorly in the healthcare system than they were on the streets."As the CEO of Healthcare In Action, Dr. Indu Subaiya works with people experiencing homelessness on a regular basis. She is here to share what their real challenges are and to bust the common myths floating around about this crisis.We chat about the role healthcare plays in homelessness, the positive impact of “street medicine,” and why we need all types of social services and people to come together to help solve this problem.Hit play for this compassionate and educational chat with Dr. Indu about homelessness and the innovative healthcare solutions that are making a difference today. Thanks for being here, friend!Connect with the Healthcare In Action team at https://www.healthcareinaction.orgChat with Nicole over on Threads at https://threads.net/nicolewaltersGet the rest of the links and resources from this chat at https://nicolewalters.com/episode520WATCH this chat on YouTube at https://nicolewalters.com/youtubeSponsors:Vionic: Use code WALTERS at checkout for 15% off your first order at www.vionicshoes.com.Gusto: Try Gusto today at gusto.com/nicole and get 3 months free when you run your first payroll.Chase: Head to chase.com/holidayscams for tips, tools, and resources to help keep your finances safe.Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.