Podcasts about Hud

[HECMWorld] Do digital newsletters generate reverse mortgage leads? [Santa Monica Daily Press] California's $100 Million Mortgage Relief Program Includes Reverse Mortgages. [The Federal Reserve] Projected 2026 HUD layoffs, and the Trump administration is scrambling to rehire federal workers despite plans for further layoffs in 2026. Watch our video podcast here!

In episode 231 of America Adapts, host Doug Parsons speaks with Robin Keegan, a nationally recognized leader in disaster recovery, resilience, and climate adaptation. With senior roles at FEMA and HUD during the Biden-Harris Administration—and a pivotal role in Louisiana's post-Katrina recovery—Robin brings unmatched insight into how federal recovery systems work, and more importantly, how they fail. As the current administration actively undermines the government's ability to prepare for and respond to climate disasters, Robin offers a frank assessment of what's at stake and what a truly equitable, climate-ready recovery system should look like. She also shares lessons from her time on the frontlines and how she's now helping communities adapt before the next crisis hits. It's a great episode focusing on community adaptation! Check out the America Adapts Media Kit here! Subscribe to the America Adapts newsletter here. Donate to America Adapts Listen to America Adapts on your favorite app here! Facebook, Linkedin and Twitter: https://www.facebook.com/americaadapts/ @usaadapts https://www.linkedin.com/in/doug-parsons-america-adapts/ Links in this episode: President Trump appoints new members to FEMA Review Councilhttps://www.ems1.com/disaster-management/president-trump-appoints-new-members-to-fema-review-council Doug Parsons and Speaking Opportunities: If you are interested in having Doug speak at corporate and conference events, sharing his unique, expert perspective on adaptation in an entertaining and informative way, more information can be found here! Facebook, Linkedin and Twitter: https://www.facebook.com/americaadapts/ @usaadapts https://www.linkedin.com/in/doug-parsons-america-adapts/ Donate to America Adapts   Follow on Apple PodcastsFollow on Android Now on Spotify! List of Previous Guests on America Adapts Follow/listen to podcast on Apple Podcasts. Donate to America Adapts, we are now a tax deductible charitable organization! The 10 Best Sustainability Podcasts for Environmental Business Leadershttps://us.anteagroup.com/news-events/blog/10-best-sustainability-podcasts-environmental-business-leaders Join the climate change adaptation movement by supporting America Adapts!  Please consider supporting this podcast by donating through America Adapts fiscal sponsor, the Social Good Fund. All donations are now tax deductible! For more information on this podcast, visit the website at http://www.americaadapts.org and don't forget to subscribe to this podcast on Apple Podcasts.   Podcast Music produce by Richard Haitz Productions Write a review on Apple Podcasts ! America Adapts on Facebook!   Join the America Adapts Facebook Community Group. Check us out, we're also on YouTube! Executive Producer Dr. Jesse Keenan Subscribe to America Adapts on Apple Podcasts Doug can be contacted at americaadapts @ g mail . com

🎮 Rejugando 262 – Nintendo Switch 2 rompe récords y Konami sorprende con Silent Hill, Metal Gear y más En este episodio 262 de Rejugando, el podcast se pone las pilas tras el aluvión de eventos veraniegos y se centra en dos bombazos que están dando de qué hablar en el mundo del videojuego: las ventas espectaculares de Nintendo Switch 2 y el inesperado y variado evento Konami Press Start. 🚀 Nintendo Switch 2: ventas descomunales, éxito imparable La sucesora de la mítica Nintendo Switch ha debutado con fuerza. En solo 4 días, Nintendo Switch 2 ha vendido más de 3,5 millones de unidades a nivel global, agotando stock allá donde se pone a la venta. En Japón rozó el millón de consolas, superando con creces el debut de PS5 y arrasando en EE.UU., donde ya se ha convertido en la consola de Nintendo con el estreno más rápido en ventas de la historia. Vicente, uno de los compis del programa, comparte sus impresiones tras una semana de uso: diseño más fino, imanes que generan dudas (pero funcionan), y una pantalla OLED de 8 pulgadas que impresiona… aunque no es perfecta. ¿El gran punto flaco? La ergonomía: largas sesiones pueden hacerte sentir como si te hubieras echado unas partidas en la Game Boy Micro con artritis. 🏁 Mario Kart World: el caos con ruedas… y sin amigos La nueva entrega de Mario Kart es frenética, innovadora y más caótica que nunca. Introduce el modo Supervivencia con 24 corredores en pantalla, físicas nuevas y circuitos que parecen diseñados por alguien con mucha cafeína y poca piedad. Vicente, nuestro piloto del día, lo define como un juego donde la gestión del caos se convierte en habilidad clave. Los ítems ahora exigen estrategia ninja, el salto con rail y las nuevas mecánicas añaden profundidad, y todo fluye como una rave en forma de circuito. ¿Lo malo? No puedes jugar en modo Supervivencia con tus amigos online. Si quieres jugar acompañado, será contra bots. Sí, en 2025. Nintendo sigue atrapada en el limbo online. El GameChat funciona (¡milagro!), pero no sirve de mucho si no puedes competir con colegas de verdad. Por ahora, la experiencia multijugador se siente… incompleta. 🧟‍♂️ Konami Press Start: el regreso del terror y la nostalgia Konami dice “¡aquí estoy!” y se marca una presentación compacta pero llena de contenido. Estas son algunas de las sorpresas que nos dejó: 🐍 Metal Gear Solid Delta: Snake Eater Se confirma la implementación de una nueva IA para los jefes. Se suma contenido extra como el “Sneaking Pack” (trajes especiales). ¡Y un nuevo modo multijugador online! “Fox Hunt” promete acción sigilosa ambientada en el universo de Metal Gear, aunque aún sin gameplay. 👻 Silent Hill F Terror japonés en estado puro: estética floral y macabra, y una historia que mezcla belleza y horror. Gina, la protagonista, es una chica normal atrapada en un entorno cada vez más siniestro. El sistema de combate será accesible pero tenso, y el mundo parece diseñado con mimo. ¡Ojo! Se han desvelado detalles del HUD, con barra de vida, resistencia y elementos visuales crípticos que prometen jugar con nuestros nervios. 🎉 ¡BOMBAZO! Silent Hill 1 Remake confirmado Sí, lo sabías, pero ahora es oficial. Konami y Bloober Team trabajan ya en el remake del primer Silent Hill. Sin fecha, sin tráiler, pero con hype nivel “te firmo ya”. 🎮 Otros anuncios destacados 🐙 Dark Wings Paradox: un plataformas adorable con un pulpo que quiere volver a casa. Bonito, trágico y lleno de muertes ridículas. 📦 Deliver at All Cost: reparto caótico a lo Mario Kart con paquetes absurdos y físicas descontroladas. Risas aseguradas. 🧙‍♂️ Suikoden vuelve con una remasterización confirmada para Switch 2 y un nuevo título para móviles y Steam: Star Leap. 🚀 Gradius Origins celebra el 40º aniversario con una colección de clásicos que llega en agosto. ⚾ Juegos de béisbol, Yugioh, anime y actualizaciones multijugador que refuerzan el regreso de Konami a la acción. 📢 ¿Y qué más? Como guinda, se confirma que el RPG Dawnwalker llegará totalmente traducido y doblado al español, tanto en textos como voces, lo cual es una excelente noticia para la comunidad hispanohablante. Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

Today, Sun editor David Krause talks about the rental market in Colorado with HUD certified housing counselor Pat Noonan, who was on our Colorado SunFest panel talking about the challenges across the state, including a record level of evictions.See omnystudio.com/listener for privacy information.

CR has purchased a 2025 Audi Q6 e-tron Quattro Premium+ for our test program. The first of Audi's EVs to use their new Premium Platform Electric (PPE) architecture, the Q6 is designed to compete with the Lexus RZ, BMW iX, Genesis Electrified GV70, Rivian R1S, and Tesla Model Y. We share our first impressions on how the Q6 drives, its abundant safety features, range, and many, many, MANY controls, including its polarizing HUD display. We also discuss the most efficient way to drive a vehicle that can switch between EV and hybrid modes, how horsepower is calculated in a hybrid car, and a good replacement for a Mazda CX-5 for a family with many large dogs! Test results here: https://www.consumerreports.org/cars/?EXTKEY=YSOCIAL_YT Exclusive CR discount for Talking Cars viewers: https://www.cr.org/jointalkingcars?EXTKEY=YSOCIAL_YT

CR has purchased a 2025 Audi Q6 e-tron Quattro Premium+ for our test program. The first of Audi's EVs to use their new Premium Platform Electric (PPE) architecture, the Q6 is designed to compete with the Lexus RZ, BMW iX, Genesis Electrified GV70, Rivian R1S, and Tesla Model Y. We share our first impressions on how the Q6 drives, its abundant safety features, range, and many, many, MANY controls, including its polarizing HUD display. We also discuss the most efficient way to drive a vehicle that can switch between EV and hybrid modes, how horsepower is calculated in a hybrid car, and a good replacement for a Mazda CX-5 for a family with many large dogs! Test results here: https://www.consumerreports.org/cars/?EXTKEY=YSOCIAL_YT Exclusive CR discount for Talking Cars viewers: https://www.cr.org/jointalkingcars?EXTKEY=YSOCIAL_YT

CR has purchased a 2025 Audi Q6 e-tron Quattro Premium+ for our test program. The first of Audi's EVs to use their new Premium Platform Electric (PPE) architecture, the Q6 is designed to compete with the Lexus RZ, BMW iX, Genesis Electrified GV70, Rivian R1S, and Tesla Model Y. We share our first impressions on how the Q6 drives, its abundant safety features, range, and many, many, MANY controls, including its polarizing HUD display. We also discuss the most efficient way to drive a vehicle that can switch between EV and hybrid modes, how horsepower is calculated in a hybrid car, and a good replacement for a Mazda CX-5 for a family with many large dogs! Test results here: https://www.consumerreports.org/cars/?EXTKEY=YSOCIAL_YT Exclusive CR discount for Talking Cars viewers: https://www.cr.org/jointalkingcars?EXTKEY=YSOCIAL_YT

Speciál tentokrát s trenérem Spartakus Fight Gym - Jánem Hudákem, který se podrobně a hodně do detailu rozpovídal o poslední bitvě Lajoše Kleina s Mateuszem Gamrotem a taktice, která vlastně vycházela, o bojovnících SFG a na závěr padly také tipy na vybrané zápasy turnaje OKTAGON 72.   PODPOŘ PODCASThttps://herohero.co/fairplaythinkerhttp://www.fptshop.cz/ https://merchmarket.cz/eshopy/mma-shorties/ FANTASY LIGAhttps://mmashortiesfantasy.cz/ JAN HOMOLKA https://www.instagram.com/homolak PAVEL BARTOŠhttps://www.instagram.com/mma_shorties RADIM KRAJLhttps://www.instagram.com/rkacko1/ JAN NOVÁKhttps://www.instagram.com/honza_novak_ PARTNEŘIhttps://www.egocombat.cz/http://www.legendapraha.cz/https://bit.ly/3FkF12A Link na Tipsort registraci s bonusem https://goldnutrition.cz/ Promocode: homolak10https://www.monsterenergy.com/cz/cs/homehttps://www.mmashorties.cz

Hey, Note Closers! In this episode of The Note Closer Show, Scott Carson dives deep into the world of reverse mortgages and how to potentially profit from them! Scott walks through the process of evaluating a tape of 52 reverse mortgages, offering insights into identifying deals, assessing property values, and understanding the foreclosure process in different states. Learn how to analyze potential profits, estimate rehab costs, and navigate the complexities of HUD and BPOs. Whether you're a seasoned note investor or just starting out, this episode is packed with actionable information to help you make informed decisions.Here's What You'll Discover:Reverse Mortgage Overview: Understand the basics of reverse mortgages, including how they work, why they default, and the potential equity involved.Tape Analysis: Learn how to analyze a tape of reverse mortgages, including key data points like BPO, estimated full payoff, and foreclosure status.State-Specific Foreclosure Processes: Discover the differences in foreclosure timelines between states like Oklahoma and North Carolina and how that impacts your investment strategy.Valuation & Rehab: Strategies for evaluating property values, estimating rehab costs, and determining if a property is worth foreclosing on vs. selling as-is.BPO & Due Diligence: The importance of obtaining Broker Price Opinions (BPOs) and conducting thorough due diligence, including title reports and interior inspections.Profit Calculation: Walk through calculating potential profits, considering factors like money costs, closing costs, and potential returns at foreclosure auctions.Property Examples: Review of real property examples, including analysis of estimated values and rehab estimatesThe 8-9 reverse mortgages that look attractive.Don't forget to like, subscribe, and hit the notification bell so that you are the first to know about new episodes and note investing strategies!Conclusion:Evaluating reverse mortgages can be overwhelming. In this episode, Scott breaks it all down to make it manageable. Make sure to perform the due diligence to determine a property's real potential!Map of the NotesWatch 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

In this powerhouse episode of Lifetime Cash Flow through Real Estate Investing, Rod sits down with long-time friend and SEC attorney Merrill Kaliser for a wide-ranging conversation packed with legal insights, market trends, and real-world investing wisdom. From navigating SEC scrutiny and avoiding legal pitfalls to seizing massive opportunities in senior housing and Texas development, Merrill shares his journey from bankruptcy law to building over 9,000 units. They dive into HUD financing myths, the critical role of operators, and why success boils down to people, systems, processes, and data. This episode is a must-listen for serious investors who want to scale smart and stay protected. Here's some of the topics we covered: Merrill's Background In Real Estate & Being an Attorney Behind the Scenes of Merrill's Most Profitable Property Deals What Really Happens Inside a Top SEC Law Firm What Every Investor Needs to Know About SEC Legal Protection Recourse vs Nonrecourse Loans and Why It Could Make or Break You How Interest Rates Are Shaking Up the Real Estate Game Merrill's Unfiltered Breakdown of Today's Economic Landscape Why Senior Living Could Be the Sleeper Asset Class of the Decade   To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com    For more about Rod and his real estate investing journey go to www.rodkhleif.com   Please Review and Subscribe  

Daily Dad Jokes (07 Jun 2025) The official Daily Dad Jokes Podcast electronic button now available on Amazon. The perfect gift for dad! Click here here to view! Email Newsletter: Looking for more dad joke humor to share? Then subscribe to our new weekly email newsletter. It's our weekly round-up of the best dad jokes, memes, and humor for you to enjoy. Spread the laughs, and groans, and sign up today! Click here to subscribe! Listen to the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ or search "Daily Dad Jokes" in your podcast app. Interested in Business and Finance news? Then listen to our sister show: The Daily Business and Finance Show. Check out the website here or search "Daily Business and Finance Show" in your podcast app. Jokes sourced and curated from reddit.com/r/dadjokes. Joke credits: Make_the_music_stop, justaJc, BenFun777, cossips, mrl33602, AnimatorNr1, Aggravating_Dot_5217, Xeynon, borderwulf, Hud_is_on, fl_oating_mess, DereLickenMyBalls, Jesse_Bitchman, , Healthy_Ladder_6198, MaidMarian20, Masselein, Healthy_Ladder_6198, Slowloris81 Subscribe to this podcast via: iHeartMedia Spotify iTunes Google Podcasts YouTube Channel Social media: Instagram Facebook Twitter TikTok Discord Interested in advertising or sponsoring our show? Contact us at mediasales@klassicstudios.com Produced by Klassic Studios using AutoGen Podcast technology (http://klassicstudios.com/autogen-podcasts/) Learn more about your ad choices. Visit megaphone.fm/adchoices

Daily Dad Jokes (07 Jun 2025) The official Daily Dad Jokes Podcast electronic button now available on Amazon. The perfect gift for dad! Click here here to view! Email Newsletter: Looking for more dad joke humor to share? Then subscribe to our new weekly email newsletter. It's our weekly round-up of the best dad jokes, memes, and humor for you to enjoy. Spread the laughs, and groans, and sign up today! Click here to subscribe! Listen to the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ or search "Daily Dad Jokes" in your podcast app. Interested in Business and Finance news? Then listen to our sister show: The Daily Business and Finance Show. Check out the website here or search "Daily Business and Finance Show" in your podcast app. Jokes sourced and curated from reddit.com/r/dadjokes. Joke credits: Make_the_music_stop, justaJc, BenFun777, cossips, mrl33602, AnimatorNr1, Aggravating_Dot_5217, Xeynon, borderwulf, Hud_is_on, fl_oating_mess, DereLickenMyBalls, Jesse_Bitchman, , Healthy_Ladder_6198, MaidMarian20, Masselein, Healthy_Ladder_6198, Slowloris81 Subscribe to this podcast via: iHeartMedia Spotify iTunes Google Podcasts YouTube Channel Social media: Instagram Facebook Twitter TikTok Discord Interested in advertising or sponsoring our show? Contact us at mediasales@klassicstudios.com Produced by Klassic Studios using AutoGen Podcast technology (http://klassicstudios.com/autogen-podcasts/) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Seggs Talk Radio, host Thea welcomes Nicholas Velotta, a relationship scientist, to discuss the interplay between academia, technology, and modern dating dynamics. They explore the seasonality of divorce, the importance of rituals in relationships, and the challenges of translating academic research into actionable insights. Nicholas shares personal experiences about growing up queer, the impact of mentorship, and the challenges and strategies of navigating intimacy. The conversation also delves into the influence of technology on Gen Z's approach to intimacy, dating app fatigue, and the psychological aspects of attachment styles and dating preferences.EPISODE THEMES

HUD is working on a proposed rule that would let more housing authorities cut off federal rental aid after two years and require recipients to work—without Congress passing a new law. In today's episode, we break down what's in the rule, why housing advocates are alarmed, and how HUD might legally justify this move under the federal rulemaking process. We'll also explore how similar past efforts failed and what this could mean for renters, landlords, and developers alike. If this rule goes through, it could fundamentally alter how Section 8 operates—and reshape the affordable housing landscape across the U.S. Read the NPR report here: https://www.npr.org/2025/06/04/nx-s1-5422410/housing-rent-assistance-time-limits-work-requirements-hud Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Je to možno najšikovnejšia ukrajinská operácia vojny s Ruskom, dokonca ju prirovnávajú k prekvapivému japonskému útoku na Pearl Harbor.Pár dní pred začiatkom mierových rokovaní v Istanbule sa totiž Ukrajincom podarilo zničiť možno až tretinu ruských strategických bombardérov.Tomáš Prokopčák sa v podcaste Dobré ráno rozpráva s Matúšom Halásom z českého Ústavu medzinárodných vzťahov v Prahe.Zdroj zvukov: ABC NEWSOdporúčanieŠtátne aj súkromné médiá čelia tlakom, politikov aj biznisu. Kedy teda bojovať a kedy odísť? A ako sa médiám vlastne darí? O zodpovednosti, slobode a médiách bude Zuzana Kovačič Hanzelová diskutovať už najbližší pondelok 9. júna v bratislavskom Kácečku s novinárkou Gabrielou Kajtárovou a komikom a bývalým novinárom Tomášom Hudákom. Dnes teda odporúčam ísť si to pozrieť.–Všetky podcasty denníka SME nájdete na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/podcasty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠–Odoberajte aj audio verziu denného newslettra⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SME.sk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ s najdôležitejšími správami na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/brifing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Episode 387 Show Notes Topic of the show: Staying On Your Toes, Sponsored by Patron DF On this week's show, RH and AG discuss staying current and expanding your horizons in aviation.  How do you gain proficiency and confidence?  Why is this so important in your aviation story?   We also discuss a popular EFB routing issue, base entry reporting, and more of your awesome aviation questions.  This week's show is packed with aviation gold!  Enjoy! Links: https://asrs.arc.nasa.gov/publications/callback.html Timely Feedback: 1. Patron 1dullgeek responds to EFB routing issues 2. The CA has words for RH 3. Army IP DS shows us what a view through the HUD looks like 4. Anonymous from ForeFlight explains the EFB error issue 5. Anonymous from ForeFlight also explains the issue 6. Patron SD sent audio on pronunciation of French chain restaurants in the UK   Feedback 1. Patron SLS asks an IFR routing question 2. Patron ES asks about pattern entry instructions 3. Patron DS shares a Class C story 4. Patron TGS, MD talks “Callback” and penguin consumption for survival Have a great week and thanks for listening!  Visit our website at OpposingBases.com You can support our show using Patreon or visiting our support page on the website.  Keep the feedback coming, it drives the show! Don't be shy, use the “Send Audio to AG and RH” button on the website and record an audio message. Or you can send us comments or questions to feedback@opposingbases.com.  Music bumpers by audionautix.com.  Third party audio provided by liveatc.net.  Legal Notice The views and opinions expressed on Opposing Bases Air Traffic Talk are for entertainment purposes only and do not represent the views, opinions, or official positions of the FAA, Penguin Airlines, or the United States Army.  Episodes shall not be recorded or transcribed without express written consent. For official guidance on laws, rules, and regulations, consult an aviation attorney or certified flight instructor. 

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   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  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  19:45   this is the real wealth network's Kathy Fettke, and you are listening to the always valuable get rich education with Keith Weinhold.    Keith Weinhold  20:00   You welcome back to get rich education. We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   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. Advice, opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

Serial entrepreneur Dom Williams sits down with the Blue-Collar Twins to reveal how a kid running county-wide candy routes now leads a 200-employee cleaning company, owns drive-thru “drink barns,” flips HUD rentals, and is launching a lounge—while coaching other service-business owners past the six- and seven-figure ceiling. You'll hear: Early Hustle → Corporate Wake-Up – the Wall Street layoff that pushed Dom full time and helped CNC Cleaning hit $1 M in six months.Play Business for Life – treating strategy like a game and using daily “pulse meetings” to keep the scorecard honest.Systems over Self – Sears-inspired SOPs that let a 200-person team run without him on site.Numbers that Matter – cash-flow detective work, margin targets (25 % residential; 15 % commercial), and the bank-balance myth.Diversifying the Right Way – acquiring Lexi's Drink Barn, scaling HUD duplexes, and threading Indiana's liquor-law maze to open Demure Lounge.Coaching Corner – the common blind spots for $500 k–$1 M service firms and Dom's framework for moving owners from operator to architect. Stick around for a quick CTA to Paul Giannamore's Private-Equity Masterclass playlist—and start “playing business” on a bigger board. From PE Teachers to Pest Control Owners: The Julio Twins Share Their POTOMAC Experience https://youtu.be/HAx9noqsqTo https://www.linkedin.com/in/paulgiannamore www.potomaccompany.com https://bluecollartwins.com Produced by: www.verbell.ltd Timestamps (podcast.co-ready) 00:00 – Cold-open: Dom on systems that let owners step away 00:35 – Jason & Jeremy introduce Dom, the serial entrepreneur 01:40 – Fast rundown of CNC Cleaning, Lexi's Drink Barn, real estate & Demure Lounge 02:30 – Candy-bar syndicate at 12: first taste of leverage 03:50 – High-school expansion: five schools selling for him 05:00 – Dropping a clothing line; choosing cleaning for low entry & recurring revenue 06:50 – Year-one grind: two day jobs + night QC on homes 08:50 – Cash-flow crises and selling his way out 11:00 – Corporate layoff → full-time leap; $1 M revenue in six months 14:00 – Chrysler-300 moment: “I'll never work for anyone again” 15:30 – SOPs inspired by Sears, Avis & Verizon 17:30 – Power of industry conferences and peer networks 18:50 – Manifestation & mindset: believing before scaling 19:50 – Coaching clients: testing belief, fixing data first 20:25 – Reading P&Ls correctly; COGS-to-revenue benchmarks 21:30 – Buying a duplex (the “dupy”) and house-hacking advice 24:00 – HUD rentals, vetting tenants, and guaranteed checks 25:30 – Cleaning margins: 25 % residential vs 15 % commercial 26:50 – Acquiring Lexi's Drink Barn; lifting average ticket size 28:10 – Launching Demure Lounge under Indiana's beer-and-wine rules 29:50 – Economic headwinds: residential leads dip, commercial steady 30:30 – Monday pulse meetings: KPIs, accountability, real-time fixes 31:20 – Future vision: build, exit, repeat—never stop “playing business” 32:00 – New coaching program: from in-the-business to on-the-business 32:50 – Contact Dom at domwilliams.com; socials 33:20 – Outro & Masterclass CTA

Beyond the Resume presents a special throwback episode for Affordable Housing Month, featuring Sean Kelly, Partner & Executive Vice President of Leon N. Weiner & Associates (LNWA). In this deep-dive conversation with host Chris Papa, Sean shares the mission-driven legacy of LNWA, how affordable housing development really works, and what it takes to succeed in the industry today. From LIHTC and HUD financing to social service coordination and local engagement, this episode is packed with practical insights and powerful stories for anyone passionate about housing equity.Whether you're new to the field or a seasoned pro, Sean's journey — from construction laborer to real estate leader — offers a behind-the-scenes look at the complexity and impact of affordable housing development.Subscribe and share to support mission-driven real estate!Chapters(03:00) LNWA's History & Vertically Integrated Business Model(06:00) Affordable Housing Development Focus & LIHTC Strategy(08:00) Navigating Local Politics & Building Community Buy-In(11:00) Leasing & Income Qualification for Affordable Housing(13:00) Resident Support Services & Community Impact(17:00) Sean's Personal Career Path & Family Legacy(20:00) Lessons from the Field: From Laborer to Leader(23:00) Advice for Entering the Affordable Housing Industry(27:00) The Hot Seat(30:00) Skiing, Family Life & Finding Balance(32:30) Hiring Insights & What LNWA Looks for in Talent---LinksYouTube: https://youtu.be/mf2R_ssH7JgSpotify: https://spoti.fi/35ZJGLTApple Podcasts: https://apple.co/3I3nkG9Web: https://www.jacksonlucas.com/podcast/sean-kelly

For home inspectors (especially with construction backgrounds) 203k consulting might be the perfect way to expand your business while helping buyers transform fixer-uppers into dream homes.As a 203k consultant, you become the linchpin of successful renovation projects. The process begins with a comprehensive property inspection to identify minimum FHA requirements, then expands to include client renovation wishes. You'll create detailed specifications of repairs with line-by-line cost estimates, evaluate contractor bids, and perform regular draw inspections to ensure work meets standards before payments are released.The financial rewards are substantial—consultants earn $500-2000 for initial specifications and $375 plus mileage for each draw inspection. For those with solid construction knowledge and estimating skills, the hourly rate often exceeds standard home inspection fees. But perhaps the greatest reward comes at project completion, when you've helped transform "the worst house on the block" into something beautiful.Ready to expand your inspection business? If you have construction experience, consider applying to HUD for a consultant ID. With many markets experiencing a shortage of qualified 203k consultants, this specialized service could become your most satisfying revenue stream.Check out our home inspection app at www.inspectortoolbelt.comNeed a home inspection website? See samples of our website at www.inspectortoolbelt.com/home-inspection-websites*The views and opinions expressed in this podcast, and the guests on it, do not necessarily reflect the views and opinions of Inspector Toolbelt and its associates.

In this informative episode of Seggs Talk Radio, Thea welcomes Dr. Kate Balestrieri, a clinical and forensic psychologist, and certified sex therapist. The conversation delves into multiple facets of intimacy and relationships, covering topics such as sexual health, the impact of societal norms on sexuality, and the complexities of emotional labor in partnerships. Dr. Balestrieri shares her professional insights on navigating desire discrepancies, the effects of censorship on sexual wellness education, and the dynamics of power in relationships. Additionally, they explore the nuances of infidelity, the significance of personal growth for maintaining relationship novelty, and the challenges faced by male emotional expression under societal expectations. The episode concludes with reflections on reclaiming pleasure and practical advice for enhancing intimacy after trauma. Dr. Balestrieri's perspectives offer a comprehensive look at modern intimacy and the factors influencing sexual well-being.EPISODE THEMES

Welcome to season 8. This is the first episode. I'm going to breakdown what's going on in housing. What we need to do it fix it and how long we have to fix it. Workforce Housing is being threatened. Workforce housing is working homeowners and renters. HUD has the subsidized renters and federal mortgages, but what about the rest of us? Find out here. Thank you for listening! #theapartmentlady #housing #workforcehousing #rentals #homwowners #HUD #homelessness #shelteredhomelessness #apartments

Lumber prices surged 23% year-over-year in April, reviving cost pressures that rattled builders earlier in the pandemic. The spike, driven by sawmill closures and fears of higher tariffs on Canadian imports, is squeezing margins for major developers like Lennar, D.R. Horton, and Toll Brothers. The U.S. currently imposes a 14.5% duty on Canadian softwood lumber—accounting for 85% of American imports—but that rate could more than double following a regulatory review expected by August. The volatility comes as HUD Secretary Scott Turner outlines a bold deregulation agenda. Speaking at the T3 Leadership Summit, Turner pledged to ease red tape, open underused federal lands for construction, and eliminate the Affirmatively Furthering Fair Housing rule. Turner says the goal is to unlock new supply by empowering local governments and encouraging self-sufficiency. Meanwhile, HUD faces proposed budget cuts of $33.6 billion, raising questions about how effectively the agency can stimulate new building while federal funding shrinks. Together, rising material costs and shifting federal policy are setting the stage for a turbulent second half of 2025 in the housing sector. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Director of Housing and Community Development Rosalyn Clemens joins Mayor Wade to discuss the three Neighborhood Revitalization Strategy Areas in Toledo and how this HUD designation invites more flexibility in how the City is able to invest in these areas to boost economic development, housing, education, and safety.

On Tuesday, May 20 justice advocates and tenants rallied on the steps of Albany City Hall to demand urgent action in response to federal housing cuts and to call on New York State to strengthen protections for renters and the homeless. The action was part of a national day of action organized by the Right to the City Coalition to bring attention to the devastating impact of proposed HUD funding cuts, and growing housing insecurity across NYS. Issues included defense of public housing and section 8 programs and expansion of rent stabilization statewide. We hear from • Melinda Piece, Danker Village Tenants Union • Richard Johnson, Albany Chapter of the National Union of the Homeless • Canyon Ryan, United Tenants of Albany • Alfredo Balarin, Albany Common Council Member for the 11th Ward and • Tammera King, Ida Yarbrough Tenants Union

Owen Li is a first-generation immigrant who came to the U.S. with $6,000 in debt and earned a Ph.D. from Harvard. After 12 years in a W-2 role, he started investing in real estate with a $32K house and now manages $90 million in assets, including 600+ multifamily units, 900+ self-storage units, and 205 acres of land. He joined Rod's Warrior Group in November 2024 and closed a 133-unit deal in Hattiesburg, MS the following month for $9.2 million, assuming a $5.75 million HUD loan at 2.45% and raising $4.45 million in equity. Based in Chicago with his wife and three kids, real estate has given his family financial freedom and educational choices.   Here's some of the topics we covered:   From Immigrant Struggles to Earning a Harvard PhD Why Multifamily Beats Burnout from Labor-Intensive Startups How Buying Foreclosures and Fourplexes Built Owen's Foundation Passive Investing vs. Going All In on Multifamily Investing in Other People's Projects Vs. Multifamily Why Scaling in Multifamily Is a Total Game-Changer Build Trust Fast by Building a Proven Track Record Raising 4.45 Million Dollars With His Team Should You Still Be Buying Multifamily Right Now? How Joining the Warrior Group Fast-Tracks Growth   If you'd like to apply to the warrior program and do deals with other rockstars in this business: Text crush to 72345 and we'll be speaking soon.  

In part two of Red Eye Radio with Gary McNamara and Eric Harley, making time for the "Big Beautiful Bill" with audio from Ron Johnson and the HUD director on how to make it beautiful. Also the impeachment attempt, audio from the President on returning home from his first trip abroad in his second term and seeing his new Grandchild, audio from SCOTUS on birthright citizenship and much more. For more talk on the issues that matter to you, listen on radio stations across America Monday-Friday 12am-5am CT (1am-6am ET and 10pm-3am PT), download the RED EYE RADIO SHOW app, asking your smart speaker, or listening at RedEyeRadioShow.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

52:23- Gen. Jack Keane, a retired 4-star general, the chairman of the Institute for the Study of War and Fox News Senior Strategic AnalystTopic: Trump in the Middle East, efforts from Trump to end the Russia-Ukraine war 1:15:04- Dr. Marc Siegel, physician, Professor of Medicine at the NYU Langone Medical Center, author, and contributor to Fox NewsTopic: Prescription drug price cuts, nodule found in Biden's prostate 1:27:26- Ellie Cohanim, Senior Fellow at the Independent Women's Forum, Former US Deputy Envoy to Combat Antisemitism for the U.S. State Department, and the First Iranian-born EnvoyTopic: Trump's trip to the Middle East 1:48:02- Commissioner Ray Kelly, the longest-serving Commissioner of the NYPD in history who was in charge of the Secret Service during his tenure as Deputy Treasury Secretary under President ClintonTopic: Police Week, latest in NYC crime 2:02:14- Dan Huff, lawyer who served in the Trump White House and the House and Senate Judiciary Committees, former deputy assistant secretary at HUD, and a McKinsey & Company consultantTopic: "Trump has a secret weapon to defeat activist judges on immigration" (Fox News op ed) 2:11:23- Gianno Caldwell, Fox News Political Analyst, founder of the Caldwell Institute for Public Safety and the host of the "Outloud with Gianno Caldwell" podcastTopic: Seeking justice for his brother in ChicagoSee omnystudio.com/listener for privacy information.

The HUD OIG says 31 outstanding recommendations warrant "priority" status in 2025 because they would have the most significant impact on HUD programs. To explain how, and what happens next, the Acting Inspector General for HUD, Stephen Begg, joins me now.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This Day in Legal History: Arrival of Constitutional DelegatesOn May 14, 1787, delegates from several states began arriving in Philadelphia for what would become the Constitutional Convention, a pivotal moment in American legal history. Originally convened to revise the Articles of Confederation, the gathering quickly evolved into a full-scale effort to draft a new framework of government. Only a handful of delegates were present on the 14th, but their arrival marked the start of weeks of foundational debate and compromise.The Convention was held at the Pennsylvania State House, now known as Independence Hall, a site already steeped in revolutionary significance. Delegates represented a range of political and economic interests, and their regional differences would shape much of the debate to come. The eventual goal was to create a system that balanced federal and state authority while preventing tyranny through a series of checks and balances.While May 14 was the scheduled opening, a quorum was not achieved until May 25, delaying formal proceedings. Nonetheless, early arrivals used the time to strategize and lay the groundwork for proposals. Among them was James Madison, whose extensive preparation and later contributions earned him the title "Father of the Constitution."The Convention would ultimately produce the United States Constitution, replacing the Articles of Confederation and establishing the three branches of government. This foundational legal document remains the supreme law of the land, with its principles guiding American governance to this day.In a new analysis, the Tax Law Center critiques the House Ways and Means Committee's proposal to expand the section 199A pass-through business income deduction, calling it a costly move that deepens existing inequities in the tax code. Originally enacted under the 2017 Tax Cuts and Jobs Act, section 199A allows qualifying owners of pass-through businesses to deduct up to 20% of their income. This benefit is already skewed heavily toward the top 1% of earners and industries such as law and lobbying. The provision, which expires after 2025 under current law, has not shown evidence of boosting economic activity and has instead encouraged tax avoidance strategies.The new proposal would raise the deduction rate from 20% to 23% and remove the income cap that currently limits eligibility for higher earners in certain industries. This change would particularly benefit high-income professionals whose pass-through income makes up a large share of their earnings. For example, under the proposed rules, a law firm partner earning $247,300 could receive a deduction of nearly $20,000—whereas they would get nothing under current 2025 law.The revised rules would also alter how phase-outs are calculated, increasing the value of the deduction for top earners while reducing it for some taxpayers whose income includes a mix of wages and pass-through business earnings. The analysis warns that these changes may incentivize further reclassification of income to exploit the deduction. Additionally, the proposal extends the favorable treatment to interest income received through Business Development Companies (BDCs), providing a new tax break for certain investment structures favored by private funds.Ways and Means proposes making costly 199A “pass-through” deduction more generous and valuable to high-income earnersHarvard University has broadened its lawsuit against the federal government, escalating a legal dispute over the termination of billions in federal funding. The amended complaint, filed in federal court in Boston, follows a new wave of agency letters formally cutting off $450 million in grants and reaffirming the earlier freeze of over $2.2 billion. The government attributes the funding halt to Harvard's alleged failure to address antisemitic incidents on campus.Harvard argues that the funding freeze is an unconstitutional retaliation for its refusal to cede academic control to federal authorities. The university maintains that these actions violate its First Amendment rights, particularly in relation to academic freedom and decision-making in areas like faculty hiring and student admissions. The complaint asserts that the administration is effectively punishing Harvard for not aligning with its political and ideological expectations.The dispute has wide-ranging implications, threatening numerous research initiatives and sectors dependent on Harvard's federal support. Agencies including the NIH, USDA, DOE, DOD, and HUD have all issued letters stating the university's recent conduct undermines federal priorities, leaving no room for corrective action.Harvard President Alan Garber has condemned the funding cuts as political overreach, warning they jeopardize core institutional freedoms. Meanwhile, a federal task force countered with a public rebuke of Harvard's leadership, accusing it of fostering discrimination and failing to protect Jewish students.A hearing in the case is scheduled for July 21.Harvard Expands Lawsuit Against US as Funding Feud Deepens (1)A Los Angeles judge resentenced Erik and Lyle Menendez to 50 years to life in prison with the possibility of parole, replacing their original sentence of life without parole for the 1989 murder of their parents. The decision followed emotional testimony from family members, former prison officials, and a rehabilitated inmate who credited the brothers with his transformation. Judge Michael Jesic noted that while the crime was shocking, the brothers' prison records and support from correctional staff and victims' relatives were extraordinary, calling the case a “unicorn.”The Menendez brothers are now immediately eligible for parole, with a hearing scheduled for June 13. Their attorney, Mark Geragos, said the new sentence reflects evolving views on incarceration and rehabilitation. During the hearing, both brothers expressed remorse and outlined plans for continued advocacy if released—Lyle focusing on prison rehabilitation through green spaces, and Erik on hospice programs for elderly inmates.The resentencing aligns with the position of former L.A. District Attorney George Gascón, who had supported a review of their case based on claims of childhood sexual abuse and their youth at the time of the crime. However, current DA Nathan Hochman opposed the change, questioning the brothers' remorse and pointing to a moderate risk assessment in related clemency proceedings.Prosecutors also scrutinized the brothers' past trial conduct, alleging they encouraged perjury and had not been truthful about the events surrounding the murder. Despite this, their family members testified they felt safe around Erik and Lyle both before and after the killings and urged an end to the decades-long public scrutiny.Menendez Brothers Given Chance of Parole With New Sentence (3)Wisconsin Circuit Judge Hannah Dugan was indicted by a federal grand jury on charges of obstructing proceedings and concealing a person from arrest. The charges stem from an April 18 incident in which Dugan allegedly helped an undocumented immigrant, Eduardo Flores-Ruiz, avoid immigration agents by allowing him to leave through a restricted jury door near her courtroom. The agents, who lacked a judicial warrant, were waiting to detain him outside the courthouse.Dugan was arrested on April 25 and has since been temporarily suspended from her judicial duties by the Wisconsin Supreme Court. Her legal team maintains that she is innocent and expects to be exonerated during court proceedings. The case raises questions about the limits of judicial discretion when intersecting with federal immigration enforcement.Wisconsin judge indicted on obstructing immigration case | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

I'm the best you ever seen, Draft Class. I'm the best there is. And even if you beat me, I'm still the best.The definition of a classic, PAUL NEWMAN!Joining Jon Saks for 3 Rounds of the PAUL NEWMAN Draft - SPECIAL GUESTS!Frank BonacciAmanda Van NostrandRobert AllenCheck out Amanda in the feature film, "Fog"Currently available on Tubi!"Let us know what Draft you would like to listen to by sending us a message!"Support the show

In this engaging episode of Seggs Talk Radio, the host welcomes the multi-talented Brandon Kyle Goodman, a podcaster, author, actor, and writer. The conversation covers a variety of topics including Brandon's upcoming stage show 'Ho Church,' their experiences growing up as a pastor's kid, and their journey through different religious practices. The duo discusses the intersections of church and kink, the challenges, and intricacies of polyamory, and the importance of open communication and consent in sexual relationships. Brandon shares insights into their personal experiences with sex education, sexual health, and the cultural stigmas surrounding these topics. They also delve into mental health, the power of therapy, and how Brandon's book and podcast aim to liberate others by destigmatizing conversations around sex, love, and relationships.EPISODE THEMES

President Trump's latest budget proposal would slash federal rental aid by 40%, end programs like Section 8 as we know them, and shift responsibility to the states—sparking alarm from housing advocates and raising major questions for real estate investors. In this episode, we break down what's in the proposal, how it would reshape HUD's role, and what it means for landlords, developers, and the broader housing market. From reduced stability for subsidized renters to emerging risks—and opportunities—for investors, this is one policy shift you can't afford to ignore. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

A good outfit can make you feel confident.  Uncommon Threads is a non-profit that boosts the self-esteem of low-income women through the power of clothes.  We focus on dignity and respect. -Susan Kanoff Meet Susan Kanoff, style blogger, influencer, and Founder of uncommonthreads.org. A life-long fashionista with a heart of gold, she has spent her career helping women feel better about themselves with an innovative “outside-in, inside-out” approach.  For 25 years, Susan ran a self-sufficiency program funded by HUD and designed to move people out of poverty. Along the way, she started blogging about her passion for clothes and became the style editor for a magazine, gathering high-profile women in media who sought her styling advice. Many of her clients had high-end clothes to donate, and it wasn't long before Susan's office started looking like a boutique. In 2016, Uncommon Threads was born, and low-income, single moms became the grateful beneficiaries of beautiful clothing that, in turn, boosted their self-esteem. The mission of Uncommon Threads is simple:  to boost women's self-esteem through the power of clothes. Originally housed in a 400-square-foot room at an old mill in Lawrence, Massachusetts, the non-profit has spread its wings in the same mill, helping 15,000 women so far. Women ages 18- 65+ receive an appointment and are treated to their own personal wardrobe stylist. Susan has also created Uncommon Closet, a social enterprise where donated designer clothing is sold to benefit Uncommon Threads. It's a “shop to give” philosophy that's win-win for everyone. Says Susan: “There's something very special about women helping women. We have a sisterhood, a connection. Watching a client transform, right there in the mirror, is magical!” For 23 minutes of shop ‘til you drop inspiration, just hit that download button! @TheMidlifeFashionista 

In a major shift, HUD and the FHA are walking back a Biden-era policy on foreclosures that gave nonprofits and government agencies first access to buy distressed properties. Originally intended to support affordable housing and community revitalization, the policy has delivered underwhelming results—prompting officials to reverse course. In this episode of Real Estate News for Investors, Kathy Fettke breaks down what this rollback means for investors, how it could speed up the flow of foreclosed homes to the open market, and why it might lead to new buying opportunities in 2025. Topics Discussed: 00:00 New FHA Policy 00:30 FHA Previous Foreclosure Policy 01:02 Mixed Results from Policy 01:50 Immediate Changes 02:10 What this Means for Investors  LINKS Download Your Free Top 5 Cities to Invest in 2025 PDF!https://www.realwealth.com/1500 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 Real Estate News: Real Estate Investing Podcast: https://link.chtbl.com/REN Source: https://www.housingwire.com/articles/fha-walks-back-biden-era-restrictions-on-foreclosed-property-sales/

Andy Webb returns with Part 2 of his Texas-focused series on protesting property tax valuations, diving deeper into strategies for investors and homeowners. He introduces his three "at-bats" strategy, giving property owners multiple angles to challenge their valuation. Andy emphasizes the importance of crafting a compelling narrative supported by solid evidence, such as HUD statements, photos of property condition, and contractor bids. He also warns against disclosing wholesaler assignment fees that could inflate perceived value. Whether protesting market or equity value, Andy's approach helps investors present a stronger case and potentially reduce their tax burden. Click to Listen Now

This week, I'm back from my (highly discussed, greatly anticipated) vacation to Disney World with my kids and Anderson's family...which ended with me in a puddle of tears.Then, we caught up on last week's biggest news - the Blue Origins "space" flight and I shared Teresa Giudice's hilarious matchmaking attempt for me.Plus, I talked about a journalist I admire, planning a (potentially lame?) 3rd Birthday party for lil' Lucy, debate the actual cool-factor of J. Hud's "spirit hallway" and hash out some morning routine drama with Jordan.For more interviews and behind-the-scenes tea, tune in to Andy Cohen Live weekdays on Radio Andy by subscribing to SiriusXM. Use my link https://sxm.app.link/AndyCohen for a free trial! Subscribe to SiriusXM Podcasts+ to listen to new episodes of Daddy Diaries ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus.

United States Secretary of Housing and Urban Development Scott Turner joins the program. As a former NFL player, what is his take on Saquon playing golf and Jalen skipping out on the visit? What would compel players to not go to the White House? How has it been getting HUD back on track through tearing down regulation and correcting behavior in-house? The price of a starter house today is ridiculous! What can be done?

2:30 Chemtrails, mRNA Kill Shots Self-Amplifying and Aerosol      Trump's administration is fast-tracking mRNA genetic injections again — this time self-amplifying — even as a new study shows spike in all cause mortality from the previous Trump shots     And as RFKj confirms DARPA's chilling chemtrail program, a new AeroVax aerosol inhalable mRNA nanotech is nearing approval 26:39 Trump Goes Full Knucklehead with MS-13 Tattoo Tantrum Over a Photoshopped Lie          Trump's unhinged meltdown over a crudely photoshopped MS-13 tattoo exposes not only his shocking ignorance but an administration cowed into sycophancy, afraid to tell him when he forgets to wear his pants.     His administration is ignoring REAL evidence of cartel activity by the individual in question and doubling down on fake evidence out of pride and a determination to never admit a mistake.  How typical.  How telling.  How amusing and dangerous at the same time. 50:42 Trump's First 100 Days: Dark Time for Free SpeechPalestinian student kidnapped by masked ICE agents without a warrant speaks for the first time as a multitude of free speech organizations line up behind the grad student similarly kidnapped merely for writing an op-ed that Trump disagreed with 1:03:26 Biden's Persecution of Ranchers DroppedBut will the Forest Service and armed agents be punished and dismissed? 1:13:14 LIVE audience comments 1:18:26 King Charles' Dark Night of the Soul as He Deals with CancerUnlike past monarchs who stood in awe of the King of Kings during Handel's Messiah or humbled themselves as “sinners” at death's door as the Hapsburg Emperors, Charles clings to a dark, hopeless view of mortality, ignoring the confident expectation of Christian salvation. 1:23:56 Supreme Court's Dangerous Gamble: Funding Catholic Charter Schools Could Unleash a Flood of Taxpayer-Backed Islamic Madrassas     A Catholic church's push for a taxpayer-backed charter school threatens to set a precedent that would funnel billions to Islamic madrassas, like those run by the Gulenists, who've already siphon nearly a billion annually in Texas alone under the guise of “science and math” schools.     From secular humanism to Sharia law, this explosive case risks entangling education with government money strings 1:33:39 Treasury Report Shows The STABLECOIN CONSPIRACYTony Arterburn, DavidKnight.gold, joins    The most recent Treasury report projects explosive growth for stablecoins over the next 3 years — and why not since they'll be used to soak up treasury bonds and repos.  It's a public-private partnership Trojan horse designed to track your every move and make everything a government-granted “privilege”     With trade wars, supply chain shocks, and currency manipulation on the horizon, gold and silver remain as true safe havens. 2:13:33 Eric Trump: “Banks Will Be Gone in 10 Years”Eric Trump is storming Dubai, hawking luxury properties and sketchy crypto schemes — Meet the New Crime Family, Same as the Old Crime Family They can't stop talking about a complete restructuring of financial systems. 2:22:13 “Freedom Cities” Exposed: A Crypto-Fascist Plot to Trap You in High-Tech Concentration Camps     This sinister scheme promises 10 new U.S. cities built on public land, free from “red tape.” But don't be fooled!     With the Department of Interior and HUD joining forces to seize federal land these cities are a combination “company town” and “Smart City” 2:36:37 VISA Wants You to Give Your Credit Card to an “AI Agent” Rolling out now are AI agents with the power to carry out designated complex tasks.  And VISA would like to encourage you to give it your credit card!  What could possibly go wrong? 2:41:59 The ONE-TWO Punch of Orwell, Then KafkaFederal agents from the FBI, ICE, and U.S. Marshals are terrorized an innocent family and took all their possessions.  Now, after the Orwellian SWAT Teaming IN ERROR, no one will talk to them about where their property is located like some out of control kafkaesque dictatorship 2:51:32 "Trump's Militarized Border: Enter NM and You Officially Enter a “Military Base”     Trump's plan to turn the U.S. border into a 60-foot-wide military no-man's-land, patrolled by troops and high-tech drones     We might want to remind ourselves that the US government created many of the most dangerous drugs as well as creating the drug cartels with the Drug WarIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show  Or you can send a donation through Mail: David Knight POB 994 Kodak, TN 37764 Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7 Money should have intrinsic value AND transactional privacy: Go to DavidKnight.gold for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to TrendsJournal.com and enter the code KNIGHT For 10% off supplements and books, go to RNCstore.com and enter the code KNIGHTBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

2:30 Chemtrails, mRNA Kill Shots Self-Amplifying and Aerosol      Trump's administration is fast-tracking mRNA genetic injections again — this time self-amplifying — even as a new study shows spike in all cause mortality from the previous Trump shots     And as RFKj confirms DARPA's chilling chemtrail program, a new AeroVax aerosol inhalable mRNA nanotech is nearing approval 26:39 Trump Goes Full Knucklehead with MS-13 Tattoo Tantrum Over a Photoshopped Lie          Trump's unhinged meltdown over a crudely photoshopped MS-13 tattoo exposes not only his shocking ignorance but an administration cowed into sycophancy, afraid to tell him when he forgets to wear his pants.     His administration is ignoring REAL evidence of cartel activity by the individual in question and doubling down on fake evidence out of pride and a determination to never admit a mistake.  How typical.  How telling.  How amusing and dangerous at the same time. 50:42 Trump's First 100 Days: Dark Time for Free SpeechPalestinian student kidnapped by masked ICE agents without a warrant speaks for the first time as a multitude of free speech organizations line up behind the grad student similarly kidnapped merely for writing an op-ed that Trump disagreed with 1:03:26 Biden's Persecution of Ranchers DroppedBut will the Forest Service and armed agents be punished and dismissed? 1:13:14 LIVE audience comments 1:18:26 King Charles' Dark Night of the Soul as He Deals with CancerUnlike past monarchs who stood in awe of the King of Kings during Handel's Messiah or humbled themselves as “sinners” at death's door as the Hapsburg Emperors, Charles clings to a dark, hopeless view of mortality, ignoring the confident expectation of Christian salvation. 1:23:56 Supreme Court's Dangerous Gamble: Funding Catholic Charter Schools Could Unleash a Flood of Taxpayer-Backed Islamic Madrassas     A Catholic church's push for a taxpayer-backed charter school threatens to set a precedent that would funnel billions to Islamic madrassas, like those run by the Gulenists, who've already siphon nearly a billion annually in Texas alone under the guise of “science and math” schools.     From secular humanism to Sharia law, this explosive case risks entangling education with government money strings 1:33:39 Treasury Report Shows The STABLECOIN CONSPIRACYTony Arterburn, DavidKnight.gold, joins    The most recent Treasury report projects explosive growth for stablecoins over the next 3 years — and why not since they'll be used to soak up treasury bonds and repos.  It's a public-private partnership Trojan horse designed to track your every move and make everything a government-granted “privilege”     With trade wars, supply chain shocks, and currency manipulation on the horizon, gold and silver remain as true safe havens. 2:13:33 Eric Trump: “Banks Will Be Gone in 10 Years”Eric Trump is storming Dubai, hawking luxury properties and sketchy crypto schemes — Meet the New Crime Family, Same as the Old Crime Family They can't stop talking about a complete restructuring of financial systems. 2:22:13 “Freedom Cities” Exposed: A Crypto-Fascist Plot to Trap You in High-Tech Concentration Camps     This sinister scheme promises 10 new U.S. cities built on public land, free from “red tape.” But don't be fooled!     With the Department of Interior and HUD joining forces to seize federal land these cities are a combination “company town” and “Smart City” 2:36:37 VISA Wants You to Give Your Credit Card to an “AI Agent” Rolling out now are AI agents with the power to carry out designated complex tasks.  And VISA would like to encourage you to give it your credit card!  What could possibly go wrong? 2:41:59 The ONE-TWO Punch of Orwell, Then KafkaFederal agents from the FBI, ICE, and U.S. Marshals are terrorized an innocent family and took all their possessions.  Now, after the Orwellian SWAT Teaming IN ERROR, no one will talk to them about where their property is located like some out of control kafkaesque dictatorship 2:51:32 "Trump's Militarized Border: Enter NM and You Officially Enter a “Military Base”     Trump's plan to turn the U.S. border into a 60-foot-wide military no-man's-land, patrolled by troops and high-tech drones     We might want to remind ourselves that the US government created many of the most dangerous drugs as well as creating the drug cartels with the Drug WarIf you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-show  Or you can send a donation through Mail: David Knight POB 994 Kodak, TN 37764 Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7 Money should have intrinsic value AND transactional privacy: Go to DavidKnight.gold for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to TrendsJournal.com and enter the code KNIGHT For 10% off supplements and books, go to RNCstore.com and enter the code KNIGHTBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

Impact investing expert Sam Sells joins the show to share how he transitioned from military service and government work to building a $300 million fund dedicated to affordable housing and socially responsible real estate.In this episode, you'll discover how Sam Sells uses his background with USAID, the HUD, and foreign development projects to solve real-world problems through multifamily housing development and private capital raising. If you've been searching for how to start in impact investing, how to access government grants for real estate, or how to align your investments with your values — this conversation is tailored for you.Sam breaks down:The blueprint to raise capital from investors aligned with mission-driven goalsHow to leverage government funding, bonds, and grants effectivelyThe red tape around HUD — and how to work through itWhy leadership and resilience are essential in today's real estate landscapeThe power of purpose-driven investing and real financial returnsThis episode is especially useful if you:Are tired of purely profit-driven investingWant to fund affordable housing solutionsAre looking to enter real estate investing with social impactNeed inspiration from someone who's made the leap from service to successLet Sam's story provide insight, clarity, and real answers to your impact investing questions.0:00 - Introduction to Sam Sells & his journey1:00 - Military background and transition to impact work2:00 - Why real estate? Why impact investing?3:05 - How to scale impact through smart systems4:15 - Affordable housing & investor incentives5:40 - Working with HUD, USAID, and government bonds7:10 - Is the government still a good partner?8:35 - The truth about USAID and foreign aid10:00 - Lessons in leadership and overcoming failure11:30 - Top books and resources for raising private capital13:00 - Where to connect with SamTo check out the YouTube (video podcast), visit: https://www.youtube.com/@drchrisloomdphdDisclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphdWe couldn't do it without the support of our listeners. To help support the show:CashApp- https://cash.app/$drchrisloomdphdVenmo- https://account.venmo.com/u/Chris-Loo-4Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/supportBuy Me a Coffee- https://www.buymeacoffee.com/chrisJxClick here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-onlineClick here to check out our bookstore, e-courses, and workshops: https://www.drchrisloomdphd.com/shopClick here to purchase my books on Amazon: https://amzn.to/2PaQn4pFor audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1FFollow our YouTube channel: https://www.youtube.com/chL1357Follow us on Twitter: https://www.twitter.com/drchrisloomdphdFollow us on Instagram: https://www.instagram.com/thereal_drchrislooFollow us on Threads: https://www.threads.net/@thereal_drchrislooFollow us on TikTok: https://www.tiktok.com/@drchrisloomddphdFollow our Blog: https://www.drchrisloomdphd.com/blogFollow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphdSubscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233Subscribe to our email list: https://financial-freedom-podcast-with-dr-loo.kit.com/Thank you to all of our sponsors and advertisers that help support the show!Financial Freedom for Physicians, Copyright 2025

President Trump was in Michigan to celebrate his first 100 days in office, speaking to a fired up crowd about how finally we have a president that is a champion for workers, defending our borders and choosing Detroit over Beijing. What should be a continued celebration of the administration's accomplishments is marred by legacy media's coverage of the president. The Media Research Center revealed that 92% of the media's coverage of President Trump is negative. Amazon got a taste of FAFO, just as the released they intended to add a tariff upcharge on their website, their stock plummeted. Choosing China over the U.S. is a bad look and after serious backlash they walked back the tariff upcharge. Tammy Bruce is the Spokesperson for the U.S. State Department. On today's show she explains exactly how and why President Trump is approaching China. He is putting America back in the driver's seat so China can no longer proliferate their unfair trading practices on the U.S. and the rest of the world. Tammy updates us on where negotiations stand for peace in Ukraine. After his meeting with President Trump, Zelensky is on board, while Putin seems to be boxing himself in. Secretary Scott Turner of the U.S. Housing and Urban Development is fixing the housing crisis in America. By striping away burdensome regulations, HUD is actively addressing our homeless crisis and getting people the shelter they need. He is also eradication the harm done by DEI and replacing them with "biologically sound" policies to keep women safe from biological men in shelters. David Horowitz passed last night, he was a leader in the Conservative movement and today we honor and remember his impact and legacy. Featuring: Tammy Bruce Spokesperson | U.S. Department of State https://www.state.gov/ Scott Turner Secretary | U.S. Department of Housing & Urban Development https://www.hud.gov/ Today's show is sponsored by: Beam For a limited time got 40% of Beam's Dream Powder. Dream Powder with Reishi, Magnesium, L-Theanine, Apigenin and Melatonin to help you fall asleep, stay asleep, and wake up refreshed. Just head to https://shopbeam.com/SPICER for 40% off. TAX Network USA Talk with a strategist at Tax Network USA... it's FREE. Stop the threatening letters. Stop looking over your shoulder and put your IRS troubles behind you, once and for all. Whether you owe $10,000 or $10 million, Tax Network USA can help you! Reach out to them today at 1-800-245-6000 or visit https://tnusa.com/SEANSPICER ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ Learn more about your ad choices. Visit megaphone.fm/adchoices

  Indigenous Peoples Day bill debated in Nevada Senate committee   HUD secretary visits Oneida reservation in Wisconsin to promote VASH   CTUIR hosts MMIP awareness walk ahead of Red Dress Day  

12 - We kick off the show with the reaction to the Eagles' visit to the White House yesterday. We react to comments from former Eagle Malcolm Jenkins, as well as writers Les Bowen and Marcus Hayes. Is Saquon playing golf with Trump comparable to Reggie White's comments in 1998? Where do Eagles fans stand politically? 1210 - Will Judge Dugan switch over to the Republican side to defeat Larry Krasner? 1220 - A 60 million dollar plane fell off an aircraft carrier while the ship was trying to evade Houthi rockets. How big of an embarrassment is this and why are we not looking to eradicate the Houthis? Side - the/of names 1230 - Tommy Pigitt, Principal Deputy Spokesperson for the Department of State, joins the program today. Why is the President in Michigan to celebrate 100 days? Why is combating transnational crime the biggest emphasis of this White House? How important is it to fight back against radical groups who have overtaken colleges and universities? 1245 - United States Secretary of Housing and Urban Development Scott Turner joins the program. As a former NFL player, what is his take on Saquon playing golf and Jalen skipping out on the visit? What would compel players to not go to the White House? How has it been getting HUD back on track through tearing down regulation and correcting behavior in-house? The price of a starter house today is ridiculous! What can be done?

12 - We kick off the show with the reaction to the Eagles' visit to the White House yesterday. We react to comments from former Eagle Malcolm Jenkins, as well as writers Les Bowen and Marcus Hayes. Is Saquon playing golf with Trump comparable to Reggie White's comments in 1998? Where do Eagles fans stand politically? 1210 - Will Judge Dugan switch over to the Republican side to defeat Larry Krasner? 1220 - A 60 million dollar plane fell off an aircraft carrier while the ship was trying to evade Houthi rockets. How big of an embarrassment is this and why are we not looking to eradicate the Houthis? Side - the/of names 1230 - Tommy Pigitt, Principal Deputy Spokesperson for the Department of State, joins the program today. Why is the President in Michigan to celebrate 100 days? Why is combating transnational crime the biggest emphasis of this White House? How important is it to fight back against radical groups who have overtaken colleges and universities? 1245 - United States Secretary of Housing and Urban Development Scott Turner joins the program. As a former NFL player, what is his take on Saquon playing golf and Jalen skipping out on the visit? What would compel players to not go to the White House? How has it been getting HUD back on track through tearing down regulation and correcting behavior in-house? The price of a starter house today is ridiculous! What can be done? 1 - Do you remember how bad the cab situation was in Philadelphia? And now we want to tax ride sharing to pay for SEPTA? 110 - Are people still really concerned about tariffs and is that Trump's only blemish right now? Why is Amazon showing prices of their products before and after tariffs? Your calls. 120 - Why are most organizations/unions still leaning to the left? Wrong way Bernie! Would you honeymoon in Russia? 130 - SEPTA Transit Chief Chuck Lawson joins the program. Why is Septa's new emphasis on fare evasion? What infrastructure changes can Septa implement to combat stolen fares? What is Chief Lawson looking to implement with a swoon of new officers joining the academy? 150 - Is Bernie disobeying the will of Karl Marx? We talk about the proposed bill to raise taxes on ridesharing in order to pay for Septa. 2 - Legendary Philadelphia Sports Radio Host Angelo Cataldi joins us. Where can we get the book? How was the Joe Conklin Show a few weeks ago and what is it like working with Joe Conklin for 30 years? When did going to the White House to celebrate the Super Bowl become a political issue? Angelo also details how impactful this draft was after losing half the defense off of a championship team. Why is the team's messaging around Dallas Goedert so odd? What is Angelo's take on the Phillies season so far? 215 - Dom's Money Melody! 225 - Is there more than meets the eye with the Real ID issues? 240 - Harvard is doing away with “Affinity Groups”. Your calls on Real ID. 250 - The Lightning Round!

With President Trump approaching the 100-day mark of his second term, his Cabinet has been busy ensuring that his agenda is carried out.   Bret is joined by Department of Homeland Security Secretary Kristi Noem to discuss how the department is ensuring that American citizens are safe from domestic and foreign terrorism. Secretary Noem also sheds light on her tour of an El Salvador prison where deported Venezuelans and others are being held. Later,  Department of Housing and Urban Development Secretary Scott Turner joins Bret to share the role of HUD and the department's plan to assist with disaster relief and homelessness.   Originally aired on Special Report. Learn more about your ad choices. Visit podcastchoices.com/adchoices

A rare bipartisan breakthrough in housing policy: Congress just introduced the Housing Supply Frameworks Act, a bill that could reshape local zoning nationwide. Backed by over 140 housing organizations, the bill directs HUD to develop model frameworks to help cities modernize restrictive land-use policies — the very ones driving America's severe housing shortage. In this episode, we break down what the bill actually does, why it matters, and how it could unlock millions of new homes without a single federal mandate. Whether you're an investor, policymaker, or just struggling to find a place to live, this is one housing policy you'll want to understand. Subscribe to the BiggerPockets Channel for the best real estate investing education online! Become a member of the BiggerPockets community of real estate investors - https://www.biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Housing and Urban Development Secretary Scott Turner details how HUD is partnering with DHS to remove illegal aliens from public housing and block access to taxpayer-backed FHA loans. Get the facts first on Morning Wire.

Dr. Ben Carson is an American retired neurosurgeon, author, and politician who served as the 17th United States Secretary of Housing and Urban Development from 2017 to 2021. As a pioneering pediatric neurosurgeon at Johns Hopkins Hospital, Carson performed groundbreaking surgeries, including the first successful separation of conjoined twins joined at the back of the head, the first successful neurosurgical procedure on a fetus inside the womb, and developed new methods to treat brain-stem tumors. He retired from medicine in 2013 after a distinguished career that included over 100 neurosurgical publications and numerous awards, including the Presidential Medal of Freedom. As HUD Secretary, Carson oversaw initiatives such as the expansion of the Rental Assistance Demonstration program, the establishment of the White House Opportunity and Revitalization Council, and efforts to reduce veteran homelessness. Following his departure from HUD, Carson founded the American Cornerstone Institute (ACI) in 2021, a conservative think tank centered around advancing policies that promote faith, liberty, community, and life. He also founded Carson Scholars and Little Patriots Learning to directly support excellence in education for young thinkers. Carson continues to be an influential figure in conservative politics and public policy discussions. Shawn Ryan Show Sponsors: https://ShawnLikesGold.com | 855-936-GOLD #goldcopartner https://amac.us/srs https://bubsnaturals.com/shawn https://americanfinancing.net/srs | 866-781-8900 NMLS 182334, nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-781 8900 for details about credit costs and terms. https://meetfabric.com/shawn https://helixsleep.com/srs https://preparewithshawn.com https://rocketmoney.com/srs https://shopify.com/srs https://hexclad.com/srs #hexcladpartner This episode is sponsored by BetterHelp. Give online therapy a try at betterhelp.com/srs and get on your way to being your best self. Ben Carson Links: Instagram - https://www.instagram.com/realbencarson X - https://x.com/RealBenCarson American Cornerstone Institute - https://americancornerstone.org Little Patriots Learning - https://littlepatriotslearning.com Carson Scholars -https://carsonscholars.org YouTube - https://www.youtube.com/channel/UCxWET2F0fctmIwnGUP_8FMw Learn more about your ad choices. Visit podcastchoices.com/adchoices