Podcasts about Hud

Get ad-free, early access to new 10 Percent True videos: https://www.10percenttrue.com/pricing-plans/list0:00 Support the channel0:33 welcome back Buck and episode outline2:59 an appeal and a thank you 5:28 AMA (Jim's) question - division of labour among crew 10:43 Maintaining SA once engaged 13:20 journey to the Air Force and route to the Gunship17:10 route to AFSOC20:08 any lack of fulfilment having missed out on fighters?24:00 getting into AC-130 and history of the aircraft 26:31 getting mission qualified 30:43 explaining the orbit (and the finer details thereof) and managing the gun platform 35:51 details up front, HUD (geeks rejoice!)43:20 H model51:23 funny story time!53:23 returning to description including sensors, countermeasures, removal of M61s, getting “shovel qualified” and the smell of ‘Murica!1:01:36 Black Crow sensor1:03:28 40mm1:04:18 APQ-45 1:05:33 U model differences1:08:08 refuelling port and some refuelling tales and tanker bros1:11:53 shooting the guns - in detail1:19:44 aircraft movement from recoil?1:21:03 stories for perspective 1:26:08 Responsibility of satisfying ROE1:27:13 weapon effects, weapon selection etc1:29:43 shooting a Phantom story1:32:38 returning to the “crowd pleaser” (105) and teasing the “smiley face”1:35:43 permissive vs non permissive environments 1:41:45 theatre tasking/focus/knowledge?1:44:38 massive teaser and reminder for air to air story!1:45:45 handling qualities and eng fire tale1:52:45 no notice checkrides1:53:58 2 engines out on one side?2:00:21 the mission and the dangers2:01:48 returning to double engine failures2:04:03 130H instruments and elective engine shutdowns2:06:08 gear feather flap debriefing and debriefing in general2:10:05 wrap up

Hey, investors! Scott Carson here, and I've got a juicy deal that's hotter than a Texas summer! If your lazy assets (and maybe your self-directed IRA) are sitting idle, this is your chance to put them to work on a prime piece of Georgetown, Texas real estate. This isn't some long-haul, snail-paced investment – we're talking a six-month or less turnaround, with conservative numbers figuring in a year!This beauty is one of 48 reverse mortgages we snagged from a hedge fund. The borrower's already passed, HUD's got it cleaned out, and we're looking at a clean, well-maintained property needing just a little lipstick and a fresh coat of paint. Texas foreclosures are fast, and we've got the team ready to rock and roll. This is a potential 10% (or more!) return on your money, secured with a first lien.Here's the breakdown on this Georgetown Goldmine:The Deceased HUD Gem: A clean, 3-bed, 2-bath, 1,348 sq ft home in Georgetown's hot 78628 ZIP code. Borrower deceased, heirs not fighting, property in good shape (interior inspection available!), needs cosmetic updates only – no structural nightmares.The Numbers Make Sense: Current legal balance: $185K. Conservative Fair Market Value: $297K. We're picking up the note for just $170K. Add back taxes and foreclosure costs, and we need $176K in funding. That's over $112K in built-in equity!Exit Strategy 1: Quick Auction Cash! With a 90-day Texas foreclosure and a $191K legal balance (after taxes), a quick auction sale is likely. You get a guaranteed 10% return on your $176K, paid out even if it sells faster than 90 days. We're talking $4,400+ interest in under three months!Exit Strategy 2: REO Flip for Bigger Bucks! If it doesn't sell at auction (our preferred scenario!), we take it back as an REO. An additional $20K for rehab (total $196K invested) for light cosmetic work. Potential net profit of $52K+ with ROI up to 20% if we're doing a one-year prepayment penalty.Due Diligence & Timeline: Full collateral file, realtor CMAs, title update, HUD interior inspection, and exterior video are all available. We're aiming for mid-December funding to kick off a February foreclosure and a March/June sale. Fast, efficient, and profitable!This isn't just another podcast episode; it's a real-time opportunity. We're looking for funding in December, so if you've got an IRA or some passive investment cash ($176K) burning a hole in your pocket, and you want 10% or more, let's talk!For the full due diligence package, comps, and all the nitty-gritty details, reach out directly! Book a call with me at talkwithscottcarson.com or text (512) 585-3810. Let's make some money together before 2026 hits!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

This week Jazmin tells us about a lawsuit against the Trump administration's approach to HUD, and Robert brings us several other stories.

This show has been flagged as Clean by the host. In this episode, Lee sits down with Elsbeth Starling — fae-coded creator, mesh-maker, scripter, and accidental caffeine-fueled entrepreneur — to talk about what it really takes to get accepted into Second Life's legendary Shop & Hop as a relatively new business owner. At just about a year and a half into her SL journey, Elsbeth breaks down the whole process: how she applied, what the organizers look for, and why imposter syndrome is basically the unofficial application form. Link to the last Shop and Hop information She shares her behind-the-scenes workflow using GIMP , Blender , and LSL scripting to turn simple mesh ideas into fully interactive creations. (Spoiler: it involves equal parts stubbornness and fairy dust.) We dive into SLRead , the virtual HUD-based e-reader system she and Lee created — a tool that brings the joy of real-life reading into the digital world, complete with pages, collections, and a whole lot of cozy vibes. Elsbeth also reveals her newest item premiering at Shop & Hop: an interactive story-time décor piece that lets ANY avatar sit down, pick one of six sweet stories, and be read to in local chat. Think “campfire storytelling,” but with lag and better fashion. We wrap up by talking through the practicals: the cost of participating, how sales work at large SL events, the realities of being a smaller creator in a massive marketplace, and why Shop & Hop can be one of the best visibility boosts for emerging designers. If you're an SL creator dreaming of Shop & Hop — or just curious how creators bring magic into the metaverse — this episode is a must-listen. Provide feedback on this episode.

This week, the GovNavigators sit down with Sairah Ijaz, Managing Director at Celonis and former federal CIO to talk about her path from a GS-5 intern with a clipboard to one of the most influential technology executives in government.Sairah shares how early roles at the Nuclear Regulatory Commission, Social Security Administration, and GAO shaped her obsession with process improvement, and why that made her move to Celonis such a natural next step. She reflects on major transitions at HUD, including financial system migrations, data-driven decision-making, and the sometimes chaotic reality of inheriting undocumented processes and shrinking institutional knowledge.The conversation dives deep on where AI is actually delivering value in government (and where it isn't), how agencies can operationalize AI in back-office functions, and why understanding real workflows is essential to transforming federal operations, especially in a moment of leadership churn and rapid change.Show Notes:Genesis Mission: EOAGA: CFO SurveyWhat's on the GovNavigators Radar:Dec 1-3: PSC Vision ConferenceDec 4-5: ACT-IAC's in DC 

Katarína Hudáková // Zjav 22, 20

Dr. David Chow, a proponent of 3D heads-up display (HUD) surgery for several years and involved in its development, provides a comprehensive introduction to 3D HUD systems in vitreo-retinal surgery.  He covers optimization parameters for enhancing resolution and other variables to improve visualization. 

This episode is sponsored by Bravo Capital and first appeared on The PERE Podcast The lending landscape is shifting, and private credit is taking center stage. In this episode, Bravo Capital founder and CEO Aaron Krawitz discusses how his firm is navigating a market defined by bank pullbacks, rising regulation and persistent demand for rental housing. Krawitz outlines where opportunities are emerging: ground-up multifamily construction, healthcare and skilled nursing facilities, and HUD-backed permanent financing. As traditional lenders retrench, these areas are seeing renewed activity from private lenders that can move quickly and tailor structures to complex projects. He also reflects on how Bravo has adapted since launching at the height of the pandemic, emphasizing the importance of a disciplined approach and alignment with investors through shifting market conditions. That ethos, he says, has supported a focus on quality borrowers, measured construction exposure and long-term partnerships over loan volume metrics. Across development financing, bridge loans and HUD takeouts, Bravo sees a broader trend in real estate credit: private lenders are leading the way with financings, even amid market uncertainty.

Unique, Fearless and Topical where you provide the balance to our content. Tonight, in Hour 2, on tonight's show, Shelley talks about a fight that happened between football players in a Georgia high school playoff game, played an interview between himself and Scott Turner about HUD, honors one of the survivors of the Tulsa Massacure, and much more. Listen LIVE weeknights 7pm-9pm on 95.5 WSB

In this episode of WAHNcast, hosts Angie Truitt and Ashley Northcutt sit down with Julia Pierson, Executive Director of the Consortium for Housing and Asset Management (CHAM) and one of the most respected voices in affordable housing. Julia reflects on her four-decade career, from her start as a HUD intern to becoming a nationally recognized leader shaping the field of asset management. Julia breaks down what asset management really is, why it matters, and how strong partnerships between owners, syndicators, lenders, and HFAs can mean the difference between stable properties and those at risk. She also discusses the evolution of the field, the growing demand for skilled asset managers, and the importance of technical knowledge paired with strong soft skills. As Julia prepares for her upcoming retirement, she shares her vision for CHAM's future, the culture she has intentionally cultivated, and why she believes “housing policy is human policy.” This conversation is full of insight, clarity, humor, and heart, just like Julia herself.

We talk with Flint Hills Breadbasket's Carla Hegemeister about the Thanksgiving surge, the shockwaves from SNAP uncertainty, and how a bigger space and tight partnerships kept up with record demand. We share details on the community meal, holiday hours, and simple ways to help.• Thanksgiving as peak season for donations, volunteers, and holiday meal support• Holiday week schedule, turkey pickup times, and office-only days• Community Thanksgiving meal hours, location, and inclusive purpose• Volunteer capacity filled early, ongoing needs beyond the holiday• New facility enabling higher throughput and safer distribution• SNAP shocks and shutdown uncertainty driving mid to high 800s weekly families• Rising demand among military and furloughed federal workers• Forthcoming SNAP administration changes and state cost burdens• HUD shifts likely to tighten rent support and raise risk of food insecurity• Nonprofits coordinating to avoid tunnel vision and share resources• Christmas focused on stability, not extra meat distributions• Lighted parade as a food and funds driver• Clear ways to help through drives, volunteering, and donationsFlintHillsBreadbasket.org is where you can find out more informationYou can always find out more about the work of the foundation on our website at mcfks.orgGMCFCFAs

Twenty states and the District of Columbia have filed a federal lawsuit accusing HUD of stripping more than $3 billion in homelessness funding and pushing people out of permanent housing programs. State attorneys general say the administration's changes violate federal law and threaten access to housing, child care, job training and mental health services for thousands. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company:https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

„Bez podpory kolegov by som to nedala,“ spomína Klára Hudáková, ktorá má za sebou skúsenosť hromadnej výpovede v Slovenskej národnej galérii po tom, ako do nej ministerka Šimkovičová dosadila svoje vedenie. „Som hrdá, že sme boli schopní ukázať takúto silu a odvahu,“ dopĺňa. „Je na to potrebná vnútorná sila, vnútorná integrita, s ktorou žijete každý deň a ktorá sa potom prejaví práve v ťažkých krízových situáciách, keď stojíte pred náročným rozhodnutím.“Výpoveď – a to hromadná – ako výkrik o kolapse jednej inštitúcie. Slovensko ju zažilo koncom januára. Stovka zamestnancov Slovenskej národnej galérie vtedy predstúpila pred verejnosť a povedala svoje „nie“ účasti na jej kolapse. Na kolapse, za ktorým boli nominácie ministerky Šimkovičovej.Odvolanú Alexandru Kusú, ktorá stála za zaodením galérie do nového krásneho šatu, v priebehu pol roka vystriedali z rozhodnutia ministerky hneď traja štatutári. Ich spoločným menovateľom však bola nekompetentnosť – o ktorej vydala svedectvo hromadná výpoveď zamestnancov galérie. Za verejný tlak a trištvrte ročnú obranu inštitúcie pred rozkladom teraz dostali ocenenie Biela vrana.Lebo silné a sebavedomé inštitúcie sú predpokladom zdravej demokratickej spoločnosti. Ich obrana je tak obranou demokracie.Výpoveď z protestu však má aj iné tváre: obavy z budúcnosti a boj s démonmi neistôt, či najobyčajnejšie hľadanie novej práce.Koľko odvahy je na to potrebné? Otázka a témy pre Bielu vranu Kláru Hudákovú, niekdajšiu hovorkyňu galérie, ktorá ju našla v potrebnej miere.„Občiansky odpor tu potrebuje injekcie podpory, odvahy a energie, inštitúcie si musíme brániť,“ hovorí Hudáková.Hovorí, že ju napĺňa radosťou, že krok odporu v SNG si niekto všimol. „Môže to byť aj nejaká satisfakcia pre kolegov za to, čo urobili a zároveň to môže povzbudiť, alebo inšpirovať ľudí v iných inštitúciách, v iných prostrediach, ktorí si nie sú istí, či sa môžu ozvať, majú ozvať, čo majú robiť,“ hovorí.Podcast pripravil Jaroslav Barborák.

„Bez podpory kolegov by som to nedala,“ spomína Klára Hudáková, ktorá má za sebou skúsenosť hromadnej výpovede v Slovenskej národnej galérii po tom, ako do nej ministerka Šimkovičová dosadila svoje vedenie. „Som hrdá, že sme boli schopní ukázať takúto silu a odvahu,“ dopĺňa. „Je na to potrebná vnútorná sila, vnútorná integrita, s ktorou žijete každý deň a ktorá sa potom prejaví práve v ťažkých krízových situáciách, keď stojíte pred náročným rozhodnutím.“Výpoveď – a to hromadná – ako výkrik o kolapse jednej inštitúcie. Slovensko ju zažilo koncom januára. Stovka zamestnancov Slovenskej národnej galérie vtedy predstúpila pred verejnosť a povedala svoje „nie“ účasti na jej kolapse. Na kolapse, za ktorým boli nominácie ministerky Šimkovičovej.Odvolanú Alexandru Kusú, ktorá stála za zaodením galérie do nového krásneho šatu, v priebehu pol roka vystriedali z rozhodnutia ministerky hneď traja štatutári. Ich spoločným menovateľom však bola nekompetentnosť – o ktorej vydala svedectvo hromadná výpoveď zamestnancov galérie. Za verejný tlak a trištvrte ročnú obranu inštitúcie pred rozkladom teraz dostali ocenenie Biela vrana.Lebo silné a sebavedomé inštitúcie sú predpokladom zdravej demokratickej spoločnosti. Ich obrana je tak obranou demokracie.Výpoveď z protestu však má aj iné tváre: obavy z budúcnosti a boj s démonmi neistôt, či najobyčajnejšie hľadanie novej práce.Koľko odvahy je na to potrebné? Otázka a témy pre Bielu vranu Kláru Hudákovú, niekdajšiu hovorkyňu galérie, ktorá ju našla v potrebnej miere.„Občiansky odpor tu potrebuje injekcie podpory, odvahy a energie, inštitúcie si musíme brániť,“ hovorí Hudáková.Hovorí, že ju napĺňa radosťou, že krok odporu v SNG si niekto všimol. „Môže to byť aj nejaká satisfakcia pre kolegov za to, čo urobili a zároveň to môže povzbudiť, alebo inšpirovať ľudí v iných inštitúciách, v iných prostrediach, ktorí si nie sú istí, či sa môžu ozvať, majú ozvať, čo majú robiť,“ hovorí.Podcast pripravil Jaroslav Barborák.

This episode discusses the government shutdown including the Democrats' reasons behind it and how it came to a conclusion. It also offers two solutions to prevent a future shutdown.REFERENCES:(1) Episode 11 of the Advancing the Agenda Podcast: "The Filibuster, Cloture Motion, Reconciliation, and the Nuclear Option in the U.S. Senate"(2) The 12 Appropriations Subcommittees from the Website of Congressman Mike Sampson (R-ID):Twelve Appropriations Subcommittees determine discretionary funding for government functions.  Each of these subcommittees produces one bill each year.  Subcommittees include:Agriculture, Rural Development, Food and Drug Administration, and Related Agencies, which oversees funding for the USDA (except the Forest Service) and other agencies;Commerce, Justice, Science, and Related Agencies, which oversees funding for the Department of Commerce, the Department of Justice, NASA, and other agencies;Defense, which oversees funding for the military, the intelligence community, and other national defense related agencies;Energy and Water Development, which oversees funding for the Department of Energy, the U.S. Army Corps of Engineers, and other agencies;Financial Services and General Government, which oversees funding for the Department of the Treasury, the Executive Office of the President, and other government functions;Homeland Security, which oversees funding for the Department of Homeland Security;Interior, Environment, and Related Agencies, which oversees funding for the Department of the Interior, the EPA, the U.S. Forest Service, and a number of independent agencies;Labor, Health and Human Services, Education, and Related Agencies, which oversees funding for the Department of Education, the Department of Health and Human Services, the Department of Labor, and other agencies;Legislative Branch, which oversees funding for the House of Representatives (the Senate Legislative Branch oversees funding for the U.S. Senate), the U.S. Capitol, the Library of Congress, and other legislative branch functions;Military Construction, Veterans Affairs, and Related Agencies, which oversees funding for military construction (including military housing), the Department of Veterans Affairs, and related agencies;State, Foreign Operations, and Related Programs, which oversees funding for the U.S. State Department, USAID, and related programs;Transportation, Housing and Urban Development, and Related Agencies, which oversees funding for the Department of Transportation, HUD, and related agencies.

In this insightful episode of Talk Law Radio, host Todd Marquardt dives into practical and strategic ways to turn home equity into opportunity. Joined by Joseph Warren of Financial Planning HQ and Tony Tylman of Mpire Financial, this conversation connects faith, financial wisdom, and legacy planning to help families protect what matters most.

-- On the Show: -- Attorney General Pam Bondi refuses to answer questions on what the next steps for releasing the Epstein files will be, leaving the process uncertain -- Trump is losing control over Republicans as his efforts to stop the release of Epstein files fail and MAGA lawmakers ignore his pleas -- A PBS/NPR/Marist poll shows Democrats leading Republicans by 14 points with independents strongly favoring Democrats -- Rep. James Comer admits that if an Epstein list does not exist, Congress may need to construct one to investigate potential law violations -- HUD Secretary Scott Turner falsely claims undocumented immigrants can get mortgages while ignoring that federal law requires legal identification and residency for mortgages -- Trump consistently reacts with anger, insults, and intimidation when challenged by female reporters, reflecting insecurity and childhood influence -- Marjorie Taylor Greene publicly criticizes Trump for fighting the release of Epstein files, arguing he is tearing apart the MAGA movement -- Trump makes exaggerated and incoherent claims about Jerome Powell, jobs, inflation, and Walmart Thanksgiving meals while speaking to the public -- White House Press Secretary Karoline Leavitt calls the Epstein story a "classic Washington hoax" and gives awkward responses to personal questions -- On the Bonus Show: Zohran Mamdani to meet with Trump at the White House, the DOJ is directed to sue states that pass AI regulations, the FHFA is considering three new mortgage options, and much more...

Partizán Otto Šimko, psychológ Anton Heretik či bývalé pracovníčky Slovenskej národnej galérie Veronika Němcová, Bohdana Hromádková a Klára Hudáková. Toto sú Biele vrany 2025. Ľudia ktorí prejavili občiansku statočnosť a snahu o lepšie Slovensko.Otto Šimko je už 101-ročný aktívny účastník Slovenského národné povstania. So zbraňou v ruke bojoval proti nacizmu a neskôr bol kritikom komunistického režimu. Aj dnes podporuje napadnutú Ukrajinu. Profesor Anton Heretik výrazná osobnosť slovenskej psychológie. Je jedným z autorov otvoreného listu premiérovi Ficovi, tak ako bol pred rokmi jedným z autorov listu Vladimírovi Mečiarovi. A galeristky Veronika Němcová spolu s Bohdanou Hromádkovou a Klárou Hudákovou získali Bielu vranu ako zástupkyne ľudí z Národnej galérie aj občianskych iniciatív Otvorená kultúra, Umenie nebude ticho a Slobodná národná galéria.Prečo to všetci títo ľudia robia a aké majú motivácie? Ak odmenou za občiansku statočnosť a angažovanie sa v prospech nás všetkých bývajú na Slovensku častokrát skôr problémy v pracovnom či osobnom živote a ich aktivity niekedy pripomínajú boj s veternými mlynmi?Braňo Závodský sa rozprával s psychológom Antonom Heretikom, účastníkom Slovenského národného povstania Ottom Šimkom a bývalou zamestnankyňou SNG Veronikou Němcovou.

A Minneapolis business consultant has been sentenced to seven years in federal prison for a a $3.5 million scheme to defraud government pandemic aid programs. A St. Paul man is charged with vehicular homicide and fleeing the scene after allegedly killing a woman who was out walking her dogs last week. Minnesota hasn't elected a third-party governor since 1998, but Mike Newcome hopes that will change in 2026. Newcome has launched a campaign as an Independence party candidate. Newcome says he's a fiscal conservative and a social liberal. He says he'd like to break up the partisan divide in St. Paul.Nonprofit housing providers are warning 3,600 Minnesotans who have overcome homelessness could be at risk of losing their homes. That's because of new rules from the U.S. Department of Housing and Urban Development, or HUD, that cut funding for permanent housing by nearly 70 percent. Eighty years after his death, federal investigators have identified the remains of a Minnesota man killed during World War II.

On Tuesday's show: The Trump administration plans to overhaul federal funding for housing. We learn how that might affect Houstonians living in long-term housing and put many at risk of returning to the streets.Also this hour: We discuss the potential for a state takeover of Spring ISD if grades don't improve this year at Dekaney High School.Then, Houston native Debbie Allen received an honorary Oscar over the weekend for her work as a choreographer, producer, director, and actor. We revisit a conversation with her about how the creative scene in Houston helped her succeed in the performing arts.Plus: The documentary Selena y Los Dinos: A Family's Legacy came out on Netflix Monday. The film offers an intimate look at the life of Tejano legend Selena Quintanilla-Perez and her family band through a wealth of candid footage captured by the singer's sister. A Houston historian and Selena superfan reflects on some of his memories of watching her perform her last concerts in Houston.And, with the ever-growing presence of AI in our lives, we learn how musicians are using new technology in their work.Watch

While the longest government shutdown in U.S. history may be over, the commercial real estate industry will be feeling its impact for some time. From HUD halting originations and approvals to hotel demand drying up and data going away, the pain has been widespread.And it will continue to impact underwriting and kill deals, especially in the multifamily realm, Origin Investments co-CEO Michael Episcope said.Roughly 2,000 multifamily starts were delayed as HUD went dark, he said. That doesn't get resolved immediately and will impact rent growth.“You have to assume that there's going to be lower demand as a result of this government shutdown,” Episcope said on this week's show.

Send us a textA quiet estate home meets a busy family and the sewer taps out—under a foundation wall, no less. We walk through the call, the chaos, and the choices that turn a near $10k excavation into a fast, clean, no‑dig relining that brought the house back to life the same day. If you've ever wondered whether a standard home inspection is enough, or why older cast iron piping fails right when you move in, this story lays out the why, where, and how in plain language.We start with the pattern no one talks about: low‑use homes masking weak systems. One resident and sporadic laundry can hide corrosion, bellies, and bad connections for years. Add a family's daily showers, dishwasher cycles, and kid laundry, and the system finally shows its age. In this case, the pipe lost its bottom exactly where access is hardest—beneath a foundation and beyond a cramped crawl space. We break down the safety issues, the engineering headaches, and the real costs that make excavation the nuclear option.Home - Environmental Consultants Of OhioThen we shift to solutions. The plumber opened access inside, and our relining team installed a five‑foot liner that bridged the failure, sealed leaks, and restored flow without moving a shovel outside. You'll hear real numbers—about $2,500 for the reline, versus a week of disruption and thousands more for structural dig‑outs. We also dig into the other blind spot: chimneys. Creosote fires crack flue tiles, and gaps can expose framing to heat and sparks. A chimney scope, like a sewer scope, replaces guesswork with proof.If you're buying an estate, HUD, or “as‑is” home—or any older property—tie your home inspection to sewer and chimney scopes. Ask about pipe materials, prior occupancy, and usage load, and plan for modern trenchless options when trouble appears. If this story helps you avoid one emergency bill or one dangerous fire, it's worth it. Subscribe to the show, share this episode with a friend who's house‑hunting, and leave a quick review with your biggest inspection question—we'll tackle it next.Support the showTo learn more about Habitation Investigation, the Three-time Winner of the Best Home Inspection Company in the Midwest Plus the Winner of Consumer Choice Award for Columbus Ohio visit Home Inspection Columbus Ohio - Habitation Investigation (homeinspectionsinohio.com) NBC4 news segments: The importance of home inspections, and what to look for | NBC4 WCMH-TV Advice from experts: Don't skip the home inspection | NBC4 WCMH-TV OSU student's mysterious symptoms end up tied to apartment's air quality | NBC4 WCMH-TV How to save money by winterizing your home | NBC4 WCMH-TV Continuing Education for Ohio Agents Scheduled classes Continuing Education for Ohio Agents Course lis...

This week the HUD announced a new 50 Year mortgage option to promote more home ownership among first time home buyers.What will be the impact of this program?Will it help first time buyers and more importantly what does it do to your payment monthly and over the life of the loan.If you plan to use one of these, make sure you listen in and learn our strategies to make it work best for you.Thanks for listening! Please make sure to give us a 5* review and hit that subscribe button to support the channel! Email:  homebuildinghero@yahoo.comTwitter:  @building_heroFacebook:  www.facebook.com/homebuildingheroInstagram:  @homebuildingheroInsider Club:  https://mailchi.mp/062ece3a2b79/home-building-hero-podcast-email-list Thanks to our studio sponsor LP Building Solutions! To learn more about my homes visit Belman Homes andWhen you have a moment, pick up a copy of my new Amazon Best Selling book "Leadership Growth Hacks" at https://amzn.to/2ZBRuN3

Fuquan Bilal shares how he scaled NNG Capital Fund, raised $50M, and built systems, teams, and mindset to create freedom through real estate investing.In this episode of RealDealChat, Jack Hoss sits down with Fuquan Bilal, founder of NNG Capital Fund, to discuss how he built a $50M+ portfolio through multifamily, affordable housing, and luxury new construction—powered by systems, people, and purpose.Fuquan explains how he started from nothing, burned his bridges to corporate life, and learned the hard way how to scale sustainably. He shares his experience implementing EOS (Entrepreneurial Operating System), raising capital through transparency, and developing affordable housing in the Southeast while building luxury spec homes in New Jersey.You'll also hear how he uses AI for deal analysis, trains his team through systems, and helps investors earn passive income while providing quality housing for families in need.What you'll learn in this episode:How Fuquan started with one deal and scaled to raising $50M+ in capitalWhy transparency and communication build investor trustThe real work after closing: asset management & operational excellenceWhy self-managing properties can double profitabilityHow to implement EOS & Scaling Up to create real tractionLessons from right-sizing your team & aligning around core valuesFour pillars of business success: people, strategy, execution & cashWhy systems + mindset = scaleHow to use creative financing (seller carryback, bridge alternatives)How AI is transforming underwriting and deal review

What happens when life throws you a curveball that threatens your home, your finances, and your future? This week, join your host Corwyn J. Melette as he dives deep into the story of survival, perseverance, and success with this week's guest, Mike Russell, founder of Hope 4 Hardship and Certified Distressed Property Expert. Mike shares his raw experience of corporate and personal bankruptcy, foreclosure, and family disputes, and reveals the critical steps to take before crisis hits. Whether you're navigating the aftermath of COVID-related payment struggles or just looking for a financial safety net, this two-part episode offers invaluable, tangible advice on controlling your reaction and securing your future.Key Takeaways:2:35 Mike Russell's Background: Mike shares his 30-year journey in real estate, including his personal experience with foreclosure, divorce, and multiple bankruptcies, which led him to start his non-profit.7:26 Control Your Reaction: The pivotal lesson: you have no control over how entities react, but you have control over how you react to their reaction. Mike admits his failure to do this led him to bury his head in the sand and ignore creditors.9:45 You Are in Sales Mode with the Bank: Mike outlines the need to put together an "outstanding application for assistance" to convince the lender you are a "viable bet" to resume normal payments.12:03 The Partial Claim Mortgage (FHA Loans): Mike details the "gold standard" retention option where HUD pays the arrearage and holds it as a 0% interest, silent second mortgage, allowing the consumer to keep their original, low-interest loan terms.14:49 Hardship Must Be Proven Over: Mike emphasizes that to be considered for assistance, you must not only prove hardship but, more importantly, prove that the financial hardship is over and your income is sufficient.17:58 The Frivolous Spending Warning: Mike stresses that if bank statements show frivolous spending (like trips while claiming hardship), the bank will not deem the applicant responsible, and the assistance application will likely be denied.Tune in next week for Part 2 as Corwyn J. Melette and Mike Russell continue the conversation, diving deeper into specific strategies and how to effectively navigate the retention and non-retention options offered by lenders. Mike will walk you step-by-step through the legal timeline and pitfalls of foreclosure.Connect with Mike:Contact Number: (508) 728-6465Website: Help4hardship.orgEmail Address: Mike@hope4hardship.orgLinkedin: https://www.linkedin.com/in/mike-russell-3395baa/Connect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Country Boy HomesDo you remember your grandma's front porch? You know that spot where stories were told, kisses were stolen, and sweet tea was always being sipped. Now imagine giving your family a place to make those same memories, but in a brand new, energy-efficient, and home that was built just for you. At Country Boy Homes, we help folks just like you find that forever feeling.Whether it's your first home, your next home, or your, we're done with rent forever, like,  seriously home, we specialize in affordable, durable, manufactured, and modular homes, the kind that make room for muddy boots, big dreams, and second helpings. Come see what coming home really feels like. Call 843-574-8979 today.Country Boy Homes, Built to Last, Priced for You.

We discuss our weekend with Samsung Galaxy XR, including on-device sideloading with an open bootloader, its hidden USB-C port for accessories and hubs, why Google Maps stands out among the included software, and how Android XR's APK ecosystem works without a phone or PC. We also cover Vimeo adding Apple Immersive Video support, VRChat arriving on iPhone, iPad, and flatscreen Android, and Magic Leap and Google extending their partnership with a HUD glasses prototype. Plus, we dig into Meta Reality Labs' rising revenue as retailers stock Quest 3S for the holidays, the v83 PTC's evolved Horizon OS UI teased at Connect, and the restructure separating Horizon OS from the “metaverse.”

Welcome to The Lending Brief, a brand new show brought to you by the GovNavigators and sponsored by Allocore. The Lending Brief shares stories of innovation, challenge, and impact in federal lending.Our first guest is Doug Criscitello, former CFO at HUD and SBA, and now a fellow at Arnold Ventures. Doug unpacks how the federal government quietly became one of the world's largest lenders, and why the volume of loans has exploded since the 2008 financial crisis and the COVID-era Paycheck Protection Program.He explains how shrinking workforces and rising demand are forcing agencies to modernize through automation, analytics, and AI, not just to process loans faster, but to strengthen risk controls and inform policy decisions in real time. Doug also makes the case for a “Federal Credit Intelligence Hub,” a centralized data platform that could track performance, detect fraud, and guide smarter policy across agencies.Want more from The Lending Brief? Check out The Lending Brief Newsletter

It's all about shutdown and resistance. First, Jessica LaPointe is President of the American Federation of Government Employees Social Security Council. We'll ask her and a local worker about the present and future of Social Security. Then, we'll ask federal union leaders from HUD, the IRS the Army Corps of Engineers and Social Security how members are surviving with no pay and why they want more unions to show up and protest. Thursday at 6pm, rebroadcast Friday at 5am. Our feature is Voices from Labor History. 

Tálentum - beszélgetés életről és értékekről, Korpuszné Szedlmayer Beáta, sajátmese terapeutával Hudák Viktor beszélget

102825 Scott Adams Show, Democrat Money Laundering Schemes through Illegals, HUD, Food Stamps and Healthcare

State officials are once again investigating Bridgeport city councilman Alfredo Castillo for allegedly collecting absentee ballots from public housing facilities ahead of the city's general election next month. Castillo is even accused of posing as a HUD employee to collect ballots. CT Mirror Investigative Reporter, Andrew Brown, broke the news and shared more on this latest case of absentee ballot fraud in Bridgeport. For full article: https://ctmirror.org/2025/10/24/bridgeport-absentee-ballots-alfredo-castillo/ Image Credit: Getty Images

Major layoffs at the U.S. Department of Housing and Urban Development could leave millions of federally subsidized housing units without adequate inspection or oversight. Kathy Fettke explains how the shutdown and staff cuts at HUD's Real Estate Assessment Center are raising safety, compliance, and investment concerns nationwide. 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.bisnow.com/national/news/affordable-housing/hud-layoffs-leave-affordable-housing-exposed-to-increased-risks-131416  

On today's show we are talking about how to interact with a lender. If you're in the game of real estate, chances are you've borrowed money. Lenders come in all shapes and sizes from the traditional community and regional banks, to the larger agency debt like Fannie Mae or Freddie Mac, to the government sponsored loans from HUD or SBA. There are then numerous private options including debt funds, CMBS loans, preferred equity, CPACE  and mezzanine lenders. They all have one thing in common. They will go through an underwriting process that requires you to provide documentation about the borrower, the guarantor if it's a recourse loan and the property. Those requirements will be listed generally on a term sheet, and then perhaps later in the process in a commitment letter, or a closing checklist.On today's show I'm going to share what we believe are best practices, or at least I'm going to share how we manage this process in our development company. ------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

We discuss launch impressions of the M5 Apple Vision Pro and Samsung's Galaxy XR with Android XR, including the new dual knit band's balance, why M2 owners can't trade in, and Galaxy XR pricing at $1800 with $250 controllers, plus smart glasses updates from Oakley's Meta Vanguard hitting stores, Meta eyewear driving more than one third of EssilorLuxottica's growth, Amazon confirming HUD glasses for delivery drivers, and Snap OS adding in-app payments, permission alerts, new UI/Mobile Kits, and EyeConnect alongside new Synth Riders, Star Wars, and Avatar: The Last Airbender minigames, niche 4K micro‑OLED gear like Shiftall's MeganeX Mark II with Index‑like SteamVR controllers, how Play For Dream MR became a daily PC VR driver, and Decart XR's early AI reskinning experiments, as well as colocated mixed reality games including Pickle Pro and Spatial Rifts on Apple Vision Pro with PS VR2 controller support and Wizardtag, a spellcasting take on Quest 3's Lasertag.

Meta Connect had hiccups—but did it just spark the mainstream AR era? XR developer Tom Krikorian (Studio 84) joins Ely Santos to unpack first impressions of Ray-Ban Display, why the EMG wristband is the real breakthrough, and what devs need before this market explodes. We get candid about Horizon Worlds, Meta's SDK (or lack of it), and Apple's tight ecosystem + on-device AI advantage. In this episode:Hands-on with Ray-Ban Display: one-eye HUD, real-world navigation, where it shines—and where it strains. The wristband wow-factor: finger-level intent control that finally feels ready for prime time. Developer reality check: unstable stacks, shifting roadmaps, and why an SDK + clear monetization path are non-negotiable. Meta vs. Apple: open ambitions vs. end-to-end optimization (iPhone, processors, on-device AI). Who's better positioned? Early use cases that actually stick: notifications without the phone, live captions, travel translation, and accessibility. The Horizon Worlds debate: chasing Roblox—or losing the VR plot? Guest: Tom Krikorian — visionOS/XR developer, Studio 84; Host: Ely Santos — Metavertising Podcast. If you're building for XR—or betting your brand on the next wave of consumer wearables—this is your field guide to what's real, what's hype, and what's coming next.

 The government shutdown and multifamily real estate market are more connected than you think. In this How-To episode, Gino Barbaro breaks down how a government shutdown can ripple through your investments — from USDA and Section 8 properties to loan processing delays and market uncertaintyWhen the government halts operations, multifamily investors can face serious ripple effects — delayed rent subsidies, halted USDA loans, and nervous capital markets. Gino explains why “guaranteed government money” isn't always guaranteed, how shutdowns affect Section 8 and HUD properties, and why investor confidence plays a crucial role in maintaining valuations. Learn what to watch for if your market depends on government or military jobs, and how to prepare your portfolio for prolonged shutdowns. The government shutdown and multifamily real estate conversation is one every investor needs right now.Connect with Gino Barbaro: https://jakeandgino.com We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

Synopsis- HUD in crisis- The Department of Housing and Urban Development has seen its staff slashed by 70% since Donald Trump took office, with civil rights cases being abandoned and political appointees allegedly overriding legal findings to allow discrimination.This show is made possible by you! To become a sustaining member go to LauraFlanders.org/donateDescription: About 750,000 people are on unpaid leave as the U.S. government shutdown continues —  but some of the most caring parts of the government's work have been shut down for months. Take the Department of Housing and Urban Development (HUD) for example. This is one of the only free resources available to Americans facing housing discrimination, but in a shocking complaint letter submitted to Senator Elizabeth Warren on September 22, 2025, civil rights attorneys Palmer Heenan, Paul Osadebe and two other whistleblowers describe an agency in crisis. Staff has been slashed by 70% since Donald Trump took office, civil rights cases have been abandoned, and political appointees are allegedly overriding legal findings to allow discrimination. Every layoff and budget cut by the Trump administration, both within HUD and across federal agencies, is part of a larger plan to create chaos, end civil rights protections, legalize segregation and exert unitary executive power. Heenan and Osadebe, members of the Federal Unionists Network (FUN), are calling on federal employees to uphold their oath to constitution and protect Americans. And they've paid the price: *both Heenan and Osadebe were fired by HUD in what has been called a "stunning act of illegal retaliation.” In this conversation, the two share their story, what it means for civil rights and how unions can fight for government accountability.“No one is asking for a leg up or an extra hand or whatever the case might be. We're just asking to get rid of discrimination. And so I hope the future will tell the story of people doing just that, coming together, going to Congress and saying, ‘These are our rights. You passed them into law decades ago. Fight for the rights that we have now.'” - Palmer Heenan“The thing that will actually get us through this is solidarity, recognizing what potential power we have as federal workers . . . [The administration wants] to create fear, which leads to silence, which lets things be dismantled without anyone standing up and fighting and saying, ‘This is illegal, this is wrong and this is harming people.' It's up to federal workers, the ones in the building, to actually do that.” - Paul OsadebeGuests:• Palmer Heenan: Attorney, HUD Whistleblower; Member, AFGE 476• Paul Osadebe: Attorney, HUD Whistleblower; Steward, AFGE 476 Watch the special report on YouTube; PBS World Channel Sundays 11:30am ET, and on over 300 public stations across the country (check your listings, or search here via zipcode). Listen: Episode airing on community radio  (check here to see if your station is airing the show) & available as a podcast. Full Episode Notes are located HERE.Support Laura Flanders and Friends by becoming a member at https://www.patreon.com/c/lauraflandersandfriendsMusic Credit:  "Steppin" by Podington Bear, “Place Delight” by Stephen Emmer featuring Mary Griffin, from the album Home Ground, released on Electric Fairytale Recordings, and original sound design by Jeannie Hopper RESOURCES:Related Episodes:•  Housing is a Human Right Watch / Listen•  Frances Golden, “Rabble Rousers” & the NYC Housing Struggle that Won. Watch / Listen / Full,Uncut Conversation•  Domestic Violence Survivor & Homeless Too?  A CA Cohort Shows What Can Be Done. Watch/Listen /  Full, Uncut Conversation•  Deciding the Fate of Democracy in North Carolina: Watch/ListenRelated Articles and Resources:• U.S. Senator Elizabeth Warren announces receipt of official complaint from HUD whistleblowers, ‘If you buy a home or rent a home or want to…'  YouTube• US whistleblowers say they were fired for raising fair housing concerns, by Chris Stein, September 29, 2025, The Guardian•  Rent Debtors Strike Against Abusive Corporate Landlord.  The Debt Collective is leading the charge against the real estate behemoth Equity Residential, by Michael Friedrich, October 6, 2025, The American Prospect•. Trump appointees roll back rollback enforcement of fair housing laws, by Debra Kamin, September 22, 2025, New York Times•  Federal Workers Are Organizing for Democracy- from the Inside Out, by Chris Does and Alissa Tafti, June 25, 2025, NP Quarterly•  Save Public Services•  Exclusive:  Federal Whistleblowers Expose How Trump's HUD is Abandoning Vulnerable Americans, by Maximillian Alvarez, September 22, 2025, The Real News Network•  Trump's housing department rolls back work to combat residential segregation, whistleblowers allege, by Shcris Stein, September 24, 2025, The Guardian Laura Flanders and Friends Crew: Laura Flanders-Executive Producer, Writer; Sabrina Artel-Supervising Producer; Jeremiah Cothren-Senior Producer; Veronica Delgado-Video Editor, Janet Hernandez-Communications Director; Jeannie Hopper-Audio Director, Podcast & Radio Producer, Audio Editor, Sound Design, Narrator; Sarah Miller-Development Director, Nat Needham-Editor, Graphic Design emeritus; David Neuman-Senior Video Editor, and Rory O'Conner-Senior Consulting Producer. FOLLOW Laura Flanders and FriendsInstagram: https://www.instagram.com/lauraflandersandfriends/Blueky: https://bsky.app/profile/lfandfriends.bsky.socialFacebook: https://www.facebook.com/LauraFlandersAndFriends/Tiktok: https://www.tiktok.com/@lauraflandersandfriendsYouTube: https://www.youtube.com/channel/UCFLRxVeYcB1H7DbuYZQG-lgLinkedin: https://www.linkedin.com/company/lauraflandersandfriendsPatreon: https://www.patreon.com/lauraflandersandfriendsACCESSIBILITY - The broadcast edition of this episode is available with closed captioned by clicking here for our YouTube Channel

Sorry, hour two had technical difficulties...for this hour there are the "Three Things You Need to Know"...HUD office may see a personnel cutdown...Kamala being ghosted by Biden...a NC therapist arrested for attempted murder, stalking and other charges.See omnystudio.com/listener for privacy information.

Today's Headlines: The last 20 living Israeli hostages were reunited with their families yesterday as Israel and Hamas completed their biggest prisoner exchange yet—250 prisoners and 1,700 detainees released to Gaza. President Trump marked the moment by urging Israel's president to pardon Bibi before heading to the Egypt peace summit, where Pakistan's PM nominated him for next year's Nobel Peace Prize. Sure, why not. The ceasefire deal came just days after Trump gave Qatar the green light to build a U.S. Air Force base in Idaho and guaranteed its national security—something we've never done for a non-NATO ally. Meanwhile, he's threatening 100% tariffs on all Chinese imports starting November 1st, sending crypto prices crashing (but making one mystery trader $200 million richer). Next on his Nobel campaign tour, Trump meets Zelensky on Friday, floated giving Ukraine Tomahawk missiles. In other news, the DOJ is expected to charge his ex-adviser John Bolton for mishandling classified documents, the government shutdown hit day 11 with over 4,000 federal workers laid off—including teams from Education, HUD, and the CDC—while military families are turning to food pantries and Philly just lost its only rape crisis center. And finally, Dominion Voting Systems—the company Fox paid $800M for lying about—has been bought by a Missouri firm run by a former GOP election official. Resources/Articles mentioned in this episode: NBC News: Live updates: All living Israeli hostages released from Gaza; Trump, world leaders sign peace deal in Egypt CNN: US announces it will allow Qatar to build an Air Force facility in Idaho Axios: Trump, Zelensky to discuss Tomahawks for Ukraine at White House Friday WaPo: China vows to retaliate if Trump makes good on 100 percent tariff threat Yahoo: Trump tariffs live updates: Trump downplays China tensions; Goldman sees US consumers paying 55% of costs Coin Central: How One Trader Made $160 Million Shorting Crypto Before Trump's China Tariff Bombshell MSNBC: Criminal charges against Bolton expected as early as next week WaPo: Trump administration begins laying off federal workers amid shutdown Axios: CDC purge hits 600 workers in key offices despite reversals The Guardian: Majority of special education staff in US education department laid off – report | Trump administration Time: Shutdown Causes ‘Unprecedented' Spike in Military Families Using Food Pantries Inquirer: Philadelphia's only rape crisis center is pausing services indefinitely amid state budget impasse. It's a ‘colossal loss.' Axios: Scoop: Dominion Voting sold to company run by ex-GOP election official Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith discusses the rising cost of the American dream, now estimated at $5 million, due to inflation and housing prices.  He highlights the affordable housing crisis, with more Americans living in RVs and homelessness up 18% since last year.  The NAR's "Best Week" report highlights the benefits of buying during this time, including lower prices and more favorable terms. Resources: IMPORTANT: GRE mobile app listeners - Switch to listening to the podcast on the  Apple Podcasts or Spotify app, as the dedicated GRE mobile app will be discontinued at the end of the month. Check out the free video course on real estate investing at getricheducation.com/course. Show Notes: GetRichEducation.com/575 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the American dream now costs $5 million learn just what that will mean for you. The beauty of 50 year mortgages, then after 11 years, I share the most depressing thing I've ever said on the show today on get rich education.   Keith Weinhold  0:26   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Corey Coates  1:39   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:55   Welcome to GRE from Norwich, Connecticut to Norwich, North Dakota, and across 188 nations worldwide, you're listening to get rich education. I'm Keith Weinhold. You probably know me by now, but if you're new, I am an active member of the Forbes real estate Council. You can see my work in the USA Today. And of Paramount import, I am an active real estate investor. We're talking about America's top shaved mammal on a microphone here, but suffice it to say, this mammal has at least shaved just how can this slack jawed mammal persist in this environment? Well, I don't know, but I've been doing it here for more than 11 years now. More on that later. This is episode 575, and each episode's release is a bigger deal than releasing the Epstein files. Today is no exception, although today's show release will get fewer people in trouble than the release of the Epstein files. Speaking of people in trouble. It is the middle class. It's the average American and the average Canadian too, because it now costs $5 million to fuel the American dream. But yet, at the same time, hordes of people are now going the other direction, and they're getting poorer. The affordable housing crisis that we've talked about here seems to probably still have not reached its crescendo. Or perhaps, if you know music, it's the opposite a diminuendo. Things are getting to a low point. How bad is it? Getting well priced out of a permanent home. More and more Americans are living full time on RVs, not like nice, fancy RVs either. Beaters. 486,000 Americans are now estimated to live in RVs because they are out of options. And the more soul crushing part of this is that that number has more than doubled just since 2021 I've got two minutes of astonishing audio footage of this to share with you shortly about the RV living homelessness is up 18% Since last year, that figure is sourced by HUD. HUD has the best stat set on homelessness, and that's a problem that's increasingly visible in your own city, more likely than not. And you know, I have personally gotten into more than just surface level chats casually with food servers and baristas, just these quick chats with them. And you know what they divulge to me, that they're living in their car. Yeah, I'm not probing and asking about that sort of thing, but they just share that with me, yeah, food servers and baristas that I just met. They will often tell me that they're living in their car within five minutes of chatting with them, and when they do that, by the way, it also makes me wonder if they're trying to get me to feel bad for them, and they're freely telling me that just to get a tip from me. Well, today, mobile homes are even being coveted. I mean living in a trailer park that is affordable housing. We covered that on last week's show now the real estate company Redfin and Ipsos, they conducted a survey of more than 4000 US homeowners and renters, and they asked respondents about the struggle to afford housing. And it was astounding to learn that to string together a life where they have stable housing, how people are doing all these things, they're delaying having children, they're getting rid of their pets, and some are going through the discomfort of living with an ex spouse just to have affordable housing, as far as what is now almost half a million Americans living full time on RVs and growing since they can't afford a home. NBC covered this, and it is sad. Let's listen into just how squalid the living conditions are, quickly profiling two people as this reporter goes on their tiny RVs. I mean, as you listen to this, okay, keep reminding yourself, keep telling yourself this is America today. And as you'll see, this isn't even in a high cost part of the nation that we're about to profile here again, tell yourself this is America today. Well, this NBC field reporter gets shown the insides of two different RV units by two separate owners, each living by themselves, first a man and then a woman. This is about two minutes in length    Speaker 1  6:53   for Gus Francis. This is home a 20 year old camper he bought for $5,000 parked in an RV lot in Graysville, Tennessee, just north of Chattanooga. I got all my rosaries for protection everywhere. Books, books, books. now retired, he worked for decades as a commercial diver and hoped to live closer to his widowed mother, but when he sought a more conventional home, I just can't see how people with their normal job making 15 bucks an hour can afford an apartment without multiple roommates. Meals are made in the microwave, the stove unused for fear of a gas leak. Right next door is Debbie Williams. She sold her house in Kentucky to be closer to her grandchildren, but housing prices near Chattanooga increased by almost 50% since 2020 apartments are like about 1200 a month, but then you got your utilities to pay. This is permanent, plus it include is like 550 a month includes electric water, saving over everything. It includes everything. Debbie works nights, helping adults with disabilities, and says she likes her setup, even if the exercise bike doesn't fit inside. Okay? I like my shower. It's really nice. And then my bedroom, Debbie and Gus now among the nearly half a million people in the US living in RVs full time. I sometimes thought, Man, if I could have saved more money in the past. But what it was is, I don't blame myself, either, because I raised four kids with no child support, despite the tight quarters, plenty of room to build a community that matters. Ellison Barber, NBC News, Graysville, Tennessee   Keith Weinhold  8:46   gosh, cramped and modest conditions there again. Tell yourself this is America today, and see, here's the thing. From all outward signs, these two people profile. They're not substance abusers. They're not criminals that can't get a job. These are American workers that have been productive people throughout their lives. The first guy, Gus said he worked for decades as a commercial diver, and that part of Tennessee, it's not a place in the nation where the cost of living is exorbitant, either the crux of the problem here is not just the wave of inflation that started in 2021 the essence of it is the fact that inflation has outpaced wage growth. Will you ever get to having a $5 million net worth? Because that's what it takes to live the American dream today. Now, a while back, I told you how, if you amass $5 million really that's the number, that's the threshold where you could probably stop working and just invest such that you could live off it forever. But inflation. Changes that and it keeps upping that number. Well, since then, Investopedia recently came up with this $5 million price tag that's just for living the American dream in today's dollars. Let's look at what that really means, and then we'll add up the spending categories. This is really interesting. All right, the definition of the American dream. What that means is owning a home, raising two kids, retiring comfortably, and maybe throwing in an annual vacation or two. So a nice life, for sure, but nothing extravagant and okay, yes, there is this other angle of like, Money cannot buy the best things in life, and that's true. There's a lot to be said for that, but this is not a relationships in a dating show, okay? So that's why I'm covering the financial angle here, and later today, I'll tell you how much the typical American makes throughout their lifetime, which is much less than 5 million bucks. But to get to that exact $5 million total, which is the least that you now need in net worth, the estimated lifetime costs of eight milestones most often associated with a dream were added up by Investopedia. And now, of course, everyone's dream is different, and housing costs differ nationally. But, I mean, this is pretty reasonable. Here they are. This is how much it takes for each of them today. And I'm doing some rounding retirement, over $1.6 million that's what it takes now. Healthcare, 414k this is all spent over the course of your lifetime, a wedding 38k And I hope that is wedding singular, not weddings plural, owning a home, 957k raising two children and paying for college that costs. 876k and then owning a new car, that is another 900k Yeah, that sounds like a lot, but that will include costs of financing and insurance and depreciation on cars throughout your life, and then a yearly vacation is 180k throughout your life, and pets, 39k All Right. There it is. That is the $5 million total for the American dream. And again, that is only in today's dollars. Inflation will, of course, make all of these future costs run up. All right, housing is really the biggest part of the dream. I mean, second to retirement anyway, all right. Again, the lifetime cost of housing, like I said, is 957k just a year ago, it was 930k okay, well, the national median list price of a single family home is about 430k I guess that makes sense. Most people live in multiple homes throughout their lives. Well, the price per square foot is up 50% just since 2019 that is what is pricing people out. That is what is making people become your renter instead of a homeowner. Well, this $5 million required for the dream, that is why more people are homeless or more people are living in RVs. This means that the demand for the product that you're providing to the marketplace affordable housing, that demand is considerable, and that demand is durable, and the median lifetime earnings for one American with a bachelor's degree is only $2.8 million. All right, so that's just over half as much as it takes to live the dream. But here's what's appalling. Are you ready? Here we go. This could be the most depressing and concerning stat you've heard on this show, maybe one of the most depressing and concerning in your entire life when you really think this through. All right, now, what do you think of as sort of a model for someone that is stable? How about both married and a homeowner? I mean, yeah, they're two big markers, married and home ownership that is foundational stuff when your kids grow up to be adults, if they become married in a homeowner. I mean, come on, who would be disappointed with that? That would probably make you feel proud and fulfilled. I mean, the future of the nation that is children and stable household formation material, right there. Well, by age 30, how many people do you think are married in a homeowner today, and how has that changed over time? What do you think this is the percent of 30 year olds who are both married and homeowners in the US? Right back in 1950 it was 52%.  today Okay, it is just a quarter of that. Only 13% of American 30 year olds are married homeowners today. Gosh, is that appalling? Or what? I mean, it doesn't exactly give you hope for the future, since Owning a home is a key pillar of the American dream, then the best thing that our local, state and federal lawmakers can do is to make it easier to build new housing. That is one of the most depressing stats I gave in 11 years of doing the show, probably the most depressing another thing we can do is not protest or block new development, no nimbyism.    Keith Weinhold  15:45   Now, earlier this year, the White House announced that they are considering declaring a national housing emergency. In fact, you saw me put a link to that in the section of our newsletter that we call the five, though we haven't seen a national housing emergency declared yet. If we do it all, the motivation behind it is largely to make housing affordable. One piece that's been floated out there is the introduction of a 50 year mortgage so that way mortgage payments are spread out and made lower than they are with the most popular mortgage in America today, by far, the 30 year fixed rate mortgage. Now, I wouldn't say that a 50 year mortgage is eminent and is about to happen. We can't say that, but it could be creeping closer. I mean, a 40 year mortgage that is already more of a thing. You've got 40 year HUD loans and 40 year DSCR loans both already here for residential property. We do know that buyers buy property more so based on a payment than they do the overall price of the property. Now look, I'll tell you if I could somehow magically snap my fingers and convert all of my 30 year mortgage loans over to 50 year loans. Oh, I sure would. It would lower my payment and increase my cash flow. Yes, my debt would hang around longer and well, we're right back to, you guessed it, financially free beats debt free. Let's run that comparison on a 300k loan at 6% interest, a 30 year mortgage payment, that is 1800 bucks a month, but on a 50 year loan that would be just 1580 Yeah, $1,800 versus 1580 1580 Well, that is going to boost your cash flow by $220 a month on that property, just by going from a 30 year to a 50 Year at the same interest rate. So maybe not as much of a difference as you thought, but probably worth doing, at least in the mortgage world debt free. I mean that concept of debt free that makes most people, in exchange for that debt free condition, grind and toil and work overtime and lose family time and eat dirt for decades because inflation and all these other forces work against them. And yes, this is just with mortgage debt that I'm talking about here. Of course, some debt is bad, like unsecured, high interest rate credit cards or doing a buy now, pay later, plan on a pizza that you split into four payments. That's ridiculous. And those are the type of debts you've also got to pay yourself. That's not what we're talking about here. In fact, it gets even worse for the mortgage debt free person. That extra $220 you're paying by having a 30 year loan instead of a 50 year loan, that would mean you're accumulating more dollars in home, which are illiquid. And again, 50 year loans don't exist yet, but understanding this concept and this trade off helps you be a better investor. Look, a debt free person can still be broke in the short term if they have a meager income, and they can be broke in the long term if they are not leveraging assets and debt. Being debt free, that is like bragging that you quit the gym so that you'll never pull a muscle again. I mean, you're safe for now, but you're going to be weaker in the long run. Let's use a different example. Let's just run a different set of numbers. Let's say you've got a 400k mortgage at three and a half percent interest, though your monthly payment is 1796 on a 30 year fixed. Some people think, Oh, if I just throw an extra $1,000 a month at this, I'm going to be debt free years sooner. And the truth is, yes, you will save 90k in interest, and you are. Going to own the house outright earlier. But what's the opportunity cost if that same 1k a month went into investments earning even 7% annually, after 15 years, it grows to about 311k   Keith Weinhold  20:16   Well, that is more than three times the interest savings, which again, was only 90k so for some paying off the mortgage early feels like some sort of emotional win, but it is rarely the best financial win. I mean, that is like benching LeBron to save money on Gatorade. I mean, that is a bunch of nonsense. So debt free is the floor. Financially Free is the ceiling. I mean, do you know about those popular call in shows where people are advised to lower their standards, diminish their quality of life, not go on vacations in order to get debt free? Oh, dear. I mean, those shows have got to be screening their callers closely to ensure that no one savvy actually gets on the air. Somebody, hey, how about you? Why don't you get on the air? Get on that show. Ask them some tough questions about getting mortgage debt free. You tell them yeah. Tell them that your ROI on all that equity is zero because home values change regardless of equity positions. Tell them that a home is never paid off because you'll still owe property tax and maintenance and repairs and utilities and maybe insurance and an HOA. Tell them you lost the gift of inflation eating your debt while you sleep. Tell them mortgage interest is often tax deductible. Tell them that their leverage is gone, and all these facts, every one of those I just stated, they're now figuratively not just talking. They're yelling. They're screaming now, because markets of all types are at all time highs. So instead, if you had used those funds to pay off a property, they would have really missed out on earning big returns for years elsewhere, a steep opportunity cost. Suffice it to say, I would love to see the widespread adoption of 50 year mortgages, and I would use them. The other thing that would happen is that it would make home prices rise further, because more people can afford the lower payments to bid up the price. So actually, here's something that I'm wondering about with you. Did you ever have a paid off property, and then realize all of this, and then go and get new financing on it again. Have you ever done that? If you have that would be really interesting. Let us know if you've had a property in a paid off position, realized the vulnerability and the opportunity cost of having all that illiquid equity, and then you went and put debt back on it. Let us know at get rich education.com/contact. That's get rich education.com/contact. Like Ridge lending group knows this when I have chili ridge here, like she and I discussed, you even get the cash chunk out tax free. And here's what else is interesting about this. Just say you know how out in the world of real estate agents, where people are buying and selling property, well, whenever a buyer's agent knows that that listed property is owned by a seller that still has a mortgage on it, well the assumption is that the seller, well, they might be a little more motivated to sell since they have to make mortgage payments on that property that they might not even be occupying anymore. Well, that is backwards. In most cases, you should be more motivated to want to sell a property if it's paid off because you've got all that dead equity in it that needs to be released through that sale. So really, a listing agent should be thinking, this seller has got to sell this property with urgency, if for no other reason, because he or she has lots of equity in that property. That's how to think about it. The world has it 100% backwards. That mindset is 180 degrees from the truth coming up next.    Keith Weinhold  24:25   Did you know that this week? Yes, right here in mid October every year is historically the best week of the year to buy a home. Also, what's it like behind the scenes here on the microphone? I've got that and more straight ahead. I'm Keith Weinhold. You're listening to get rich education,    Keith Weinhold  24:44   if you're scrolling for quality real estate and finance info today, yeah, it can be a mess. You hit paywalls, pop ups, push alerts, Cookie banners. It's like the internet is playing defense against you. Not so fun. That's why it matters to get clean. Mean free content that actually adds no hype value to your life. This is the golden age of quality email newsletters, and I write every word of ours myself. It's got a dash of humor, it's direct, and it gets to the point because even the word abbreviation is too long, my letter takes less than three minutes to read, and it leaves you feeling sharp and in the know about real estate investing, this is paradigm shifting material, and when you start the letter, you'll also get my one hour fast real estate video, course, completely free as well. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be simpler to get visit gre letter.com while it's fresh in your head, take a moment to do it now at gre letter.com Visit gre letter.com    Keith Weinhold  25:55   the same place where I get my own mortgage loans is where you can get yours Ridge lending group NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com. That's Ridge lending group.com. Hi.   Russell Gray  26:29   This is Russell Gray, co host of the real estate guys radio show, and you're listening to get rich education with Keith Weinhold. Don't quit your Daydream.   Keith Weinhold  26:36   welcome back to get rich Education. I'm your host. Keith Weinhold, there's a lot to look forward to in future months here on the show, new content from me, new prominent guests, the return of some favorite guests, a live event to tell you about and our annual home price forecast show, where I'll also reveal if last year's GRE home price prediction for this year came true or not. I have got to say I have nailed it to the exact percent a few years in a row now. But if you remember, before this year began, I forecast 5% national home price appreciation for this year. We will see how that turns out, but home prices are only up one or 2% year over year so far. Yes, not only do I make the forecast, I actually follow up with the previous years to check the accuracy. Don't you wish everyone did that? Well, it is October, and it's the month where you got to be ready to defend your love of candy corn and the same Americans complaining about inflation also bought a 40 foot skeleton for the front yard. Well, the best time to buy a home, historically, is this week this year. It happens to fall on October, 12 to 18th, as it turns out. Why would that be? It sounds kind of random, doesn't it? Well, the NAR recently reported on this, and this is what they give, a three word moniker, aptly named the best week. That's what they call it, the best week. Now, this applies more to primary residences into one to four unit investment property, but it's a little applicable to apartment buildings too, and this really helps you understand real estate buying, selling and consumer nature. Historically, this week offers the most favorable balance of market conditions for buyers. This is when inventory tends to be elevated. Prices typically dip below their seasonal peak. The buyer competition slows, and just the overall pace of the market becomes more manageable. Again, quote, unquote, the best week this seasonal shift every year, it's influenced by school schedules and even weather patterns. Housing activity typically ramps up in the spring. It peaks in the summer because a lot of families try to move while children are out of school and the desire to settle before the new academic year that's back when you've got the warmer weather and the longer daylight hours, and you got these curb appeal enhancements from Lush summer foliage that also makes spring and summer an ideal time for showings in inspections, that adds further momentum to the summer surge. These sort of things actually matter. But then the calendar shifts into fall, and demand naturally tapers off. Every year you got families with school age children that exit the market, and then the remaining inventory begins to linger longer, and prices respond by dipping below peak levels. And homes tend to stay on the market longer. This happens every year. That makes for conditions that benefit late season buyers. So listings tend to become more plentiful now each October inventory levels, they tend to peak in early fall, and that's why it's about the best time to buy. You have less competition from other buyers, home buyer shopping during again, what is called the best week, you should expect less competition. Properties tend to attract the most viewership per listing early in the spring, and that's when buyers trickle into the market before the inventory picks up. And then the summer ushers in both more homes and more shoppers, and that means that buyers face quite a bit of competition in the summer, so the best week that should offer more time for buyers to deliberate, and it can mean that sellers are more eager to compromise. And the numbers back that up historically that this is the peak week for price reductions. So what can you do if you're potentially in the market? You might want to hit up gre investmentcoach.com and have our coaches connect you with the right income property if that's the right move for you, and doing that is totally free. In fact, most listeners buy their first income property that way. In fact, if you had a good experience with a GRE investment coach, go ahead and tell a friend about it. Now, let's say that you had $1 back in the year 1995 so you've got a green dollar bill in your pocket 30 years ago. All right. Well, what would happen to your dollar if you saved it versus putting it in stocks versus putting it in real estate? What do you think would happen in each of those three scenarios? Let's do it. Let's compare well, because of inflation, your dollar would be worth less than 50 cents if you had saved it, yeah, it would have just 47 cents worth of purchasing power today. Instead, if you had put it in the s, p5, 100, your dollar would have seen some pretty significant growth. It would be worth $19 today. That's how stocks have performed over the past 30 years. But what about real estate? Well, there are so many ways to do it specifically. What if it were a rental property where real estate pays five ways, not just one or two like stock. What kind of return can you expect from real estate? Well, when you add up all five ways, just using historic norms like classic rates of appreciation and a four to one leverage ratio, you get 38% as a total rate of return in year one. And then that rate starts to fall because equity accumulates. And if you're not initiated on that, and it sounds like such a high flying number, you can see my free video course that teaches you this at get rich education.com/course, the most valuable free course you've ever taken in your life. At get rich education.com/course, let's just get conservative and say so many things go wrong with your property that we're going to round that 38% all the way down to 20% per year. Yes, if you're new here, those sound like ridiculous rates of return. Anyone that's listened here for a while instead has been enjoying those rates of return if you bought right? I mean, you have so much more time and money in your life now, but at 20% ROI, your $1 from 1995 would be worth $237 today. Wow, and again, if it were saved under a mattress, it would be worth less than 50 cents, and in the sp5 100, just 19 bucks. This is a simplified way to demonstrate that compound leverage beats compound interest. I mean real estate beats stocks by more than 12x right there and see that's the type of multiplier that you're probably going to need on your money. Since it already takes $5 million to live the American dream, you might very well need $25 million over the next few decades, while the 401 K was created around 1980 the Roth IRA created in 1998 and the GRE podcast was created on October 10, 2014, and I trust that it's had a more positive impact on your life than any of those other vehicles.   Keith Weinhold  34:56   This means that I've released weekly episodes here for. 11 years, never missing a week at all, 52 weeks a year, and we've never replayed an old show either. I am here for you. Integrity means doing what you say you're going to do. Vedran, our sound engineer, has been here with GRE for 11 years as well. That is the team, the duo, that's been bringing you this show. And also, I didn't even tell my team here at GRE this yet, so I guess they'll learn now, the platform business rate just ranked us and awarded get rich education the best of the year, 2025 as a real estate school. Yes, we learned that this award is based on outstanding reviews from real customers, not nominations or votes, but the best of the year award comes from feedback through listeners just like you. Thank you for that, and thanks business rate this show and real estate investing, they are the main things that I do, and I expect to be here for you well into the future. Now, it's sort of funny here, kind of a paradox on the show I talk about income production that's largely passive, yet producing this show at a high level for 11 years here on this side of the microphone is not passive. It is highly active. I got a reminder of this recently when a doctor buddy of mine said he considers starting a podcast on the side. Let me tell you what I shared with him that is probably a terrible idea to launch an ongoing podcast where you'll constantly carve out the time to produce high quality week after week. That is not a side gig. 99% of those scenarios fail. You've got to deliver great new content yourself. You've got to have a network of guests to compliment you. You got to perform research and then cross check your research, because you've got to publish real, true information. You need a reliable editing solution. You need some organizational skills. You're going to need to hire some skilled and specialized assistance in the real estate world. You've actually got to get out into the field and visit cities in person to corroborate your research on the ground and go to in person conferences. I mean, there's a lot to do, but I did tell my doctor friend, you know, the good news is that there are alternatives to starting a show. There are a couple of them. In fact, first, you can do a 10 episode mini series on your area of expertise, host it on YouTube or Spotify and then send that link to clients. Another thing you can do is get yourself booked as a guest on someone else's show, and you'll pay a podcast booking agent to do that one strong guest episode that could do more than 100 of your own episodes ever could. So that's my guidance. In case you know any thought leaders that considered doing that, and what things look like from my view back behind the mic, it is not passive income, although my investing mostly is and another thing, if I've hosted a past guest on the show, and I get feedback from you or other listeners that they're not looking out for your best interest, or they don't want to do the property rehabs that they promised. Well, they are not coming back onto the show. Instead, we move on. I am here to do good and connect you only with providers that are doing good. Another show related announcement, and if you listen here each week through the get rich education mobile app. This is really important if you're listening to me right now on our dedicated mobile app, the hosting platform terminates at the end of this month, so you're going to have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search get rich education to keep listening that way, you'll keep learning, stay motivated and never miss an episode of my incomprehensibly slack jawed vocals, profligate and unrepentant. Again, if you're listening to me right now on our dedicated GRE mobile app, the hosting platform terminates at the end of this month, you'll have to listen in a different way. Go to either the apple podcasts app or the Spotify app and search. Get rich education inside those apps in order to keep listening after this month, until next week, I'm your host. Keith Weinhold, don't quit your daydream   Speaker 2  39:41   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich, education and. Will see exclusively.   Keith Weinhold  40:09   The preceding program was brought to you by your home for wealth. Building, get richeducation.com.  

Synopsis:  As concerns about rolled-back protections grow louder, whistleblowers at HUD have risked it all by going public with allegations that paint a stark picture of systematic regression on equality under the law.This show is made possible by you! To become a sustaining member go to LauraFlanders.org/donateDescription:  Housing discrimination is illegal in the U.S., but every year, the Department of Housing and Urban Development (HUD) receives thousands of complaints from individuals who believe they are not being treated fairly because of their race, religion, disability and other protected classes. HUD is one of the only free resources available to Americans facing housing discrimination, but a shocking new whistleblower complaint letter released on Monday, September 29, 2025 says the agency is in crisis. Staff was slashed by 70% since Donald Trump took office, some civil rights cases have been abandoned, and political appointees are allegedly overriding legal findings to allow discrimination. These are just some of the claims in the formal complaint letter, which has now been filed through U.S. Senator Elizabeth Warren's office and taken to the press. In this conversation, Laura Flanders speaks to two of the four whistleblowers, HUD civil rights fair housing attorneys, to find out what this story means for civil rights and why they're speaking out now. As fair housing hangs in the balance, Palmer Heenan and Paul Osadebe are organizing union members to uphold their oath to defend the constitution and protect Americans.Guests:• Palmer Heenan: Attorney, HUD Whistleblower; Member, AFGE 476• Paul Osadebe: Attorney, HUD Whistleblower; Steward, AFGE 476 Full Conversation Release: While our weekly shows are edited to time for broadcast on Public TV and community radio, we offer to our members and podcast subscribers the full uncut conversation. These audio exclusives are made possible thanks to our member supporters.Watch the special report on YouTube; PBS World Channel September 12th, and on over 300 public stations across the country (check your listings, or search here via zipcode). Listen: Episode airing on community radio September 15th  (check here to see if your station is airing the show) & available as a podcast.RESOURCES:Related Episodes:•  Housing is a Human Right Watch / Listen•  Frances Golden, “Rabble Rousers” & the NYC Housing Struggle that Won. Watch / Listen / Full, Uncut Conversation•  Domestic Violence Survivor & Homeless Too?  A CA Cohort Shows What Can Be Done. Watch/Listen /  Full, Uncut ConversationRelated Articles and Resources:• U.S. Senator Elizabeth Warren announces receipt of official complaint from HUD whistleblowers, ‘If you buy a home or rent a home or want to…'  YouTube•. Trump appointees roll back rollback enforcement of fair housing laws, by Debra Kamin, September 22, 2025, New York Times•  Federal Workers Are Organizing for Democracy- from the Inside Out, by Chris Does and Alissa Tafti, June 25, 2025, NP Quarterly•  Save Public Services•  Exclusive:  Federal Whistleblowers Expose How Trump's HUD is Abandoning Vulnerable Americans, by Maximillian Alvarez, September 22, 2025, The Real News Network•  Trump's housing department rolls back work to combat residential segregation, whistleblowers allege, by Shcris Stein, September 24, 2025, The GuardianFull Episode Notes are located HERE.Support Laura Flanders and Friends by becoming a member at https://www.patreon.com/c/lauraflandersandfriendsMusic Credit:  "Dusk & Glimmer" by Blue Dot Sessions.  Original sound design by Jeannie Hopper CHAPTERS:Exposing Alarming Civil Rights Rollbacks at HUD00:00:00Senator Warren Exposes HUD's Attack on Civil Rights00:01:50Why HUD Whistleblowers Risked Careers to Speak Out00:04:51How Political Interference Dismantles Fair Housing Enforcement00:08:24Protecting Survivors: The Violence Against Women Act Team00:14:24Collective Action: Building Worker Power Through FUN00:16:49Legal Strategy: Why a Formal Whistleblower Complaint00:21:40From Trump's Past to 'Valentine's Day Massacre' Layoffs00:26:31The Growing Movement of Organized Federal Workers00:30:01Demanding Oversight and Transparency for HUD Actions00:34:34Defending Unions: The Power of Collective Worker Solidarity00:38:10Why Rolling Back Protections Harms Everyone, Not Just Some00:40:46Federal Workers' Vision for a Fairer American Society00:44:43  Laura Flanders and Friends Crew: Laura Flanders-Executive Producer, Writer; Sabrina Artel-Supervising Producer; Jeremiah Cothren-Senior Producer; Veronica Delgado-Video Editor, Janet Hernandez-Communications Director; Jeannie Hopper-Audio Director, Podcast & Radio Producer, Audio Editor, Sound Design, Narrator; Sarah Miller-Development Director, Nat Needham-Editor, Graphic Design emeritus; David Neuman-Senior Video Editor, and Rory O'Conner-Senior Consulting Producer. FOLLOW Laura Flanders and FriendsInstagram: https://www.instagram.com/lauraflandersandfriends/Blueky: https://bsky.app/profile/lfandfriends.bsky.socialFacebook: https://www.facebook.com/LauraFlandersAndFriends/Tiktok: https://www.tiktok.com/@lauraflandersandfriendsYouTube: https://www.youtube.com/channel/UCFLRxVeYcB1H7DbuYZQG-lgLinkedin: https://www.linkedin.com/company/lauraflandersandfriendsPatreon: https://www.patreon.com/lauraflandersandfriendsACCESSIBILITY - The broadcast edition of this episode is available with closed captioned by clicking here for our YouTube Channel

We discuss leaked renders claiming Samsung's Galaxy XR includes controllers, Samsung's Google-powered HUD glasses potentially launching next year, and Valve's next headset reportedly entering mass production; plus VRChat creators turning into birds with Quest Pro eye tracking, Meta's latest shooter adding VR support after an uproar, the first technical details of Meta's Horizon engine, Blumhouse Enhanced Cinema out now with M3GAN and The Black Phone, Meta AI data being used for targeted advertising starting in December, and a new reference to a Dual Knit Band for Apple Vision Pro.

What's Really Driving America's Housing Affordability Crisis? Why are homes and rentals increasingly out of reach, even as incomes and construction evolve? In this episode of REady2Scale, host Jeannette Friedrich speaks with Dr. Richard Green, Chair of the USC Smith Department of Real Estate Development and a leading housing economist, to unpack the data and social forces shaping today's affordability crisis. Key Takeaways: - How changing family structures are influencing homeownership trends - Why rent growth continues to outpace wages across much of the U.S. - The unseen impact of land regulation on supply and affordability - What global housing models can teach the U.S. about sustainable solutions - Why innovation in construction remains stagnant and what could change that - The critical role data plays in crafting smarter housing policy Listeners will gain a deeper understanding of the factors driving today's housing challenges and what it will take to make housing affordable again. Timestamps 00:00 Introduction and Guest Introduction 03:03 The Housing Market and Affordability 03:49 Impact of Marriage and Societal Changes on Housing 24:14 Exploring Singapore's Housing Model 31:36 Innovations in Real Estate Development 34:34 Insights from Working at HUD and Freddie Mac Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

Last week, The Real News Network published a bombshell interview with two federal whistleblowers working in the Department of Housing and Urban Development (HUD). Max spoke with Paul Osadebe and Palmer Heenan, two attorneys in HUD's Office of Fair Housing, about the “chaos” that has upended HUD under the new Trump administration, and the vulnerable Americans who are being systematically abandoned as a result. Then, on Monday, Sept. 29, exactly one week after going public, Osadebe and Heenan were fired in what the Federal Unionist Network describes as “a stunning act of illegal retaliation.” In this urgent followup interview, we speak once again with Osadebe and Heenan about the conditions of their firing, and what this attack on whistleblowers means for the future of government transparency and the future of HUD itself. Guests: Paul Osadebe is a shop steward for the American Federation of Government Employees (AFGE) – Local 476, a member of the Federal Unionists Network, and, until recently, an attorney working in the federal government. Osadebe is one of the four employees within HUD who have filed formal whistleblower complaints through the office of Senator Elizabeth Warren (D – Massachusetts). Osadebe was fired for his whistleblowing on Sept. 29. Palmer Heenan is a rank-and-file member of AFGE – Local 476, a member of the Federal Unionists Network, and, until recently, an attorney working in the federal government. Heenan is one of the four employees within the Department of Housing and Urban Development who have filed formal whistleblower complaints through the office of Senator Elizabeth Warren (D – Massachusetts). Heenan was fired for his whistleblowing on Sept. 29. Additional resources: Debra Kamin, The New York Times, “Trump appointees roll back enforcement of Fair Housing laws” Maximillian Alvarez, The Real News Network, “EXCLUSIVE: Federal whistleblowers expose how Trump's HUD is abandoning vulnerable Americans” Federal Unionists Network: “BREAKING: HUD whistleblowers fired after exposing civil rights violations” Federal Unionists Network website, BlueSky, and Instagram AFGE – Local 476 website Credits: Studio Production / Post-Production: Cameron Granadino

The single biggest need in our industry is housing—globally, worldwide. But what if the solution to this massive crisis could be built faster, smarter, and still be beautiful?Join host Corwyn J. Melette as he dives deep into the world of industrialized construction with special guest Rommel Sulit, Founding Principal and COO of Forge Craft Architecture and Design. Rommel is a 25-year veteran who's spent half his career pushing the boundaries of modular architecture to prove that quality and affordability can, and should, go hand-in-hand. This episode is a must-listen for anyone interested in real estate, community development, or the future of housing!Key Takeaways:Attainable Housing at Every Level (0:06) — Why the housing gap isn't just a low-income issue, but a challenge affecting every socioeconomic group.Beyond the Stigma (9:20) — Clearing up misconceptions between modular housing, HUD homes, and container builds.Speed + Scale (13:01) — Modular builds entire apartment complexes in months instead of years.Case Study: San Marcos Project (14:44) — How a 143-unit, 245-bed student housing complex came together in just four months.Designing Within Constraints (18:01) — How architects use modular systems to unlock creativity, efficiency, and beauty in attainable housing.Modular isn't just about building homes faster; it's about building smarter. We're not just solving today's challenges—we're building legacies that last.Reference Mentioned:Cheatham Street Flats (Student Housing)Stella Domo (Modular Home Concept)Connect with Rommel:Website: https://forgexcraft.com/firm/team/rommel-sulit/Email Address: rommel@forgexcraft.comConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠If Harrison Langley showed us how to build attainable housing one backyard at a time, Rommel Sulit reveals how modular design is reshaping entire communities. Don't miss this powerful continuation of our attainable housing series.Shoutout to our Sponsor: Country Boy HomesDo you remember your grandma's front porch? You know that spot where stories were told, kisses were stolen, and sweet tea was always being sipped. Now imagine giving your family a place to make those same memories, but in a brand new, energy-efficient, and home that was built just for you. At Country Boy Homes, we help folks just like you find that forever feeling.Whether it's your first home, your next home, or your, we're done with rent forever, like,  seriously home, we specialize in affordable, durable, manufactured, and modular homes, the kind that make room for muddy boots, big dreams, and second helpings. Come see what coming home really feels like. Call 843-574-8979 today.

On this week's show we take a look at the Longevity Burn-In Test Results From 100 TVs that RTINGS.com has been tracking for the last two years. We also read your emails and take a look at the week's news. News: I spent three months with Telly, the free TV that's always showing ads Ring announces 4K doorbell with Alexa+ AI greetings and new Search Party feature for pets 33 Years Ago Today Cartoon Network Premieres: A Milestone in Animation History NBCUniversal Shuts Down Its Cable Network Apps on Roku TVs & Roku Players To Promote Peacock Other: Is Google TV's New Interface Better? Full Redesign Review Sports on TV Today: Where to Watch or Stream Games - Sports Media Watch Longevity Burn-In Test Updates And Results From 100 TVs RTINGS.com has been conducting an accelerated longevity test for over two years. We've covered it periodically but haven't provided an update recently. In today's show, we'll summarize the key findings and discuss their implications for consumers. 1. Introduction to the Test Methodology and Purpose RTINGS.com conducts an extensive longevity and burn-in test on over 100 TVs to assess their durability under real-world usage conditions. The purpose is to evaluate how modern displays, particularly OLED and LED models, hold up over time, focusing on issues like image retention and permanent burn-in that can degrade picture quality. The methodology involves running TVs for thousands of hours in a simulated accelerated aging scenario, including static content like CNN tickers, sports scores, and video games to mimic common usage patterns that risk burn-in. Tests are performed in a controlled environment at 50% brightness (except for high-end OLEDs at 100% for stress testing), with periodic photo documentation and measurements of uniformity, color accuracy, and brightness retention. This ongoing project, started in 2019, aims to provide data-driven insights into TV lifespan beyond short-term reviews. 2. Key Results and Findings The test has yielded detailed observations on burn-in susceptibility across various TV brands and panel types, with over 18,000 hours of cumulative runtime as of the latest update. Here's an expanded breakdown: OLED Performance and Burn-In Incidence: OLED TVs, known for perfect blacks but vulnerable to burn-in from static elements, showed mixed results. The LG C8 (2018 model) exhibited permanent burn-in after just 8,850 hours, with visible CNN ticker ghosts in dark scenes, marking it as one of the earliest failures. In contrast, the LG G4 (2024) and Sony A95L (2023) QD-OLEDs remained burn-in free after 5,000+ hours, though minor temporary image retention appeared in high-stress tests. The Samsung S95B QD-OLED burned in after 9,000 hours, displaying HUD elements from racing games, while the LG G2 showed no permanent damage after 14,000 hours but had noticeable retention. LED and Mini-LED Durability: LED TVs generally fared better against burn-in. The TCL QM8 QLED (2023) and Hisense U8/U8N (2024) showed no burn-in after 5,000–7,000 hours, with only temporary retention in extreme cases. However, the Samsung QN90A (2021) developed subtle uniformity issues after 10,000 hours, but no true burn-in. Budget LEDs like the Hisense A6G lasted without issues up to 12,000 hours. Brightness and Color Degradation: Across all panels, brightness dropped by 20–50% over 10,000+ hours; for example, the LG CX lost 40% peak brightness. Color accuracy shifted slightly, with OLEDs maintaining better DeltaE scores (

Last week, The Real News Network published a bombshell interview with two federal whistleblowers working in the Department of Housing and Urban Development (HUD). TRNN Editor-in-Chief Maximillian Alvarez spoke with Paul Osadebe and Palmer Heenan, two attorneys in HUD's Office of Fair Housing, about the “chaos” that has upended HUD under the new Trump administration, and the vulnerable Americans who are being systematically abandoned as a result. Then, on Monday, Sept. 29, exactly one week after going public, Osadebe and Heenan were fired in what the Federal Unionist Network describes as “a stunning act of illegal retaliation.” In this urgent followup interview, we speak once again with Osadebe and Heenan about the conditions of their firing, and what this attack on whistleblowers means for the future of government transparency and the future of HUD itself.Guests:Paul Osadebe is a shop steward for the American Federation of Government Employees (AFGE) - Local 476, a member of the Federal Unionists Network, and, until recently, an attorney working in the federal government. Osadebe is one of the four employees within HUD who have filed formal whistleblower complaints through the office of Senator Elizabeth Warren (D - Massachusetts). Osadebe was fired for his whistleblowing on Sept. 29.Palmer Heenan is a rank-and-file member of AFGE - Local 476, a member of the Federal Unionists Network, and, until recently, an attorney working in the federal government. Heenan is one of the four employees within the Department of Housing and Urban Development who have filed formal whistleblower complaints through the office of Senator Elizabeth Warren (D - Massachusetts). Heenan was fired for his whistleblowing on Sept. 29.Additional resources:Debra Kamin, The New York Times, “Trump appointees roll back enforcement of Fair Housing laws”Maximillian Alvarez, The Real News Network, “EXCLUSIVE: Federal whistleblowers expose how Trump's HUD is abandoning vulnerable Americans”Federal Unionists Network: “BREAKING: HUD whistleblowers fired after exposing civil rights violations”Federal Unionists Network website, BlueSky, and InstagramAFGE - Local 476 websiteCredits:Studio Production / Post-Production: Cameron GranadinoBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.WE'RE FINALISTS FOR THE PRESTIGIOUS SIGNAL AWARDS. HELP US WIN!Click here to vote!:https://vote.signalaward.com/PublicVoting#/2025/shows/genre/historyMichael Fox is also a finalist in the History Podcast category for his truly unique, rich, and inspirational weekly series Stories of Resistance------------Click here to vote for Marc Steiner!: https://vote.signalaward.com/PublicVoting#/2025/individual-episodes/cMarc Steiner is a finalist for Best Host of an Individual Episode 

I did an interview with Resolution Games CEO Tommy Palm soon after the Apple Vision Pro launch last year where we talk the in the Game Room game commissioned by Apple as well as the exploration of the relatively new gaze and pinch mechanic that's enabled with the eye-tracking of the Apple Vision Pro. After seeing the Neural Band at Meta Connect, then I'm reminded about how ultimately the gaze and pinch mechanic is a lot more efficient and more optimized for quickly selecting items in a fully volumetric context. Meta's Neural Band announced at Meta Connect in the context of the Meta Ray-Ban Display glasses is only within a 2D context in a head-lock HUD display screen, and so operating the Neural Band feels a lot like what it feels like to navigate TV menus with a TV controller, but rather than a controller, then your thumb and side of your index finger are being transformed into a two-axis D-pad. Again, the ultimate form factor is likely going to come back to gaze and pinch, but that will require shipping with eye tracking. And so this unpublished conversation with Tommy Palm takes on a new context as we reflect upon the latest HCI innovations that were announced at Meta Connect and where the ultimate form factor may be headed. Resolution Games also has quite a history of launching games on newly XR devices, and so this conversation with Palm is also within that spirit, and we'll be diving into Battlemarked within the next conversation You can also see more context in the rough transcript below. This is a listener-supported podcast through the Voices of VR Patreon. Music: Fatality

Monday, September 15th, 2025Today, a judge worries that the Trump administration is sidestepping torture protections for deported Africans; another judge stops Trump from defunding homelessness programs based on transgender inclusivity; the abject failures of corporate media in the wake of the Charlie Kirk shooting put us all in danger; an animal shelter is evacuated after Kash Patel incinerates two pounds of meth nearby; private health insurance companies are set to hike premiums; Fox News' Brian Kilmeade says the government should murder unhoused people; Target continues to languish as it fails to see a back to school bump in sales; California lawmakers pass a bill to bar ICE agents from wearing masks; Senator Van Hollen criticizes Democratic leaders for failing to endorse Zohran Mamdani; Republican Mike McCaul won't seek reelection in 2026; and Allison and Dana deliver your Good News.Thank You, CBDistilleryUse promo code DAILYBEANS at CBDistillery.com for 25% off your purchase.  Episode 2 of The Breakdown is Out Now!StoriesJudge worries Trump administration is sidestepping torture protections for deported Africans | POLITICOAnimal shelter evacuated after FBI incinerates meth at facility | BBCWhy your health insurance may be about to cost a lot more | The Washington PostRhode Island judge halts effort by HUD to change criteria for homeless funding | AP NewsCalifornia lawmakers pass bill barring authorities from wearing face masks | AP NewsVan Hollen Criticizes Democratic Leaders for Delay in Endorsing Mamdani | The New York TimesHochul Endorses Mamdani for Mayor of New York | The New York TimesRepublican Rep. Michael McCaul won't seek reelection after 11 terms | ABC NewsTarget was hoping for a back-to-school sales bump that never came. Foot traffic is still down for the 7th month in a row | FortuneGood Trouble Your good trouble mission today, should you choose to accept it, is to call or email Fox News and tell them an apology from Brian Kilmeade isn't enough and that he needs to be fired immediately for saying unhoused people should be subject to involuntary lethal injections.  foxfeedback@foxnews.com Submit a request – Fox News**California needs your help | Proposition 50 Vote YES !! Yes On Prop 50 | Special Election Phone Banks - mobilize.us**Help ensure safety of public servants. Hold RFK Jr accountable by signing the letter: savehhs.org, @firedbutfighting.bsky.social on Bluesky**SIGN THE STATEMENT OF SOLIDARITY for the FEMA Katrina Declaration.**How to Organize a Bearing Witness StandoutFrom The Good NewsYou Can Vote For Dana !  2025 Out100: Cast your vote for Readers' Choice!!No Kingsanimalallies.net/adoptOur Donation LinksNational Security Counselors - DonateMSW Media, Blue Wave California Victory Fund | ActBlueWhistleblowerAid.org/beansFederal workers - email AG at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen. Find Upcoming Actions 50501 Movement, No Kings.org, Indivisible.orgDr. Allison Gill - Substack, BlueSky , TikTok, IG, TwitterDana Goldberg - BlueSky, Twitter, IG, facebook, danagoldberg.comMore from MSW Media - Shows - MSW Media, Cleanup On Aisle 45 pod, The Breakdown | SubstackReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Our Donation LinksNational Security Counselors - DonateMSW Media, Blue Wave California Victory Fund | ActBlueWhistleblowerAid.org/beansFederal workers - feel free to email AG at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen. Find Upcoming Actions 50501 Movement, No Kings.org, Indivisible.orgDr. Allison Gill - Substack, BlueSky , TikTok, IG, TwitterDana Goldberg - BlueSky, Twitter, IG, facebook, danagoldberg.comCheck out more from MSW Media - Shows - MSW Media, Cleanup On Aisle 45 pod, The Breakdown | SubstackShare your Good News or Good TroubleMSW Good News and Good TroubleHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?The Daily Beans | SupercastThe Daily Beans & Mueller, She Wrote | PatreonThe Daily Beans | Apple Podcasts Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.