Podcasts about Hud

On this episode of the Ruff Talk VR podcast we have a packed agenda to discuss including our early impressions of both Prison Boss Prohibition and Requisition VR. We also talk some graphical updates to Green Hell VR as well as some updates to Dorp Dead The Cabin (Including a flat screen version!), The Phoenix Gene, and Bootstrap Island. We also talk some upcoming games such as DrakkenRidge, Laser Matrix, Fruit Golf, and Piano Cafe. As well we also discuss some rumors regarding Meta's upcoming HUD glasses rumored to be named "Celeste", and more! Big thank you to all of our Patreon supporters! Become a supporter of the show today at  https://www.patreon.com/rufftalkvrDiscord: https://discord.gg/9JTdCccucSPatreon: https://www.patreon.com/rufftalkvrIf you enjoy the podcast be sure to rate us 5 stars and subscribe! Join our official subreddit at https://www.reddit.com/r/RuffTalkVR/0:00 - Episode start2:00 - Prison Boss Prohibition early impressions21:25 - Requisition VR early impressions45:00 - Green Hell VR Quest 3 Upgrade54:45 - Drop Dead: The Cabin update, flatscreen, and PCVR58:00 - DrakkenRidge1:03:15 - Laser Matrix1:09:00 - Fruit Golf1:11:00 - Piano Cafe1:16:00 - Waltz of the Wizard iOS and Vision Pro1:18:00 - Meta HUD glasses leak1:24:00 - Bootstrap island update1:25:30 - The Phoenix Gene updateSend us a text to the Ruff Talk VR fan mail line!Support the show

On this episode Matt & Geoff are joined by Brian Riggsbee of Retro Game Books to discuss video game maps. Physical pack-in maps, HUD mini maps, and all the little points of interest. A map can help you know where to go next in your quest, what you could find along the way, or dream about where your journey may take you. Maps in video games have been doing this since games were more than one screen. You can check out the Video Game Maps series and other great game books on Retro Game Books. You can also find Retro Game Books on Bluesky We have a Patreon! Gain access to episode shout outs, bonus content, early downloads of regular episodes, an exclusive rss feed and more! Click here! You can find the show on Bluesky, Instagram and YouTube! Please rate and review us on Apple Podcasts! Rate us on Spotify! Wanna join the Certain POV Discord? Click here!  

Lesley and Brad recap Lesley's informative conversation with Matthew Lesko, the iconic question-mark-suit-wearing advocate for free government resources. Learn how to get support for your business or personal goals, shift your mindset around asking for help, and tap into programs that already exist to empower you. This episode breaks down key takeaways, including how Lesko's mission began and the tools you can use to take action today. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How to modify a Reformer with a stationary headrest for safer workouts.How Matthew Lesko redefines success by staying true to his heart.Why injecting fun into your work creates motivation and momentum.The types of government resources most people overlook—and how to find them.Why booking a real appointment beats filling out forms online.Episode References/Links:eLevate Workout and Q&A - https://lesleylogan.co/elevatewaitlistAgency Mini - https://prfit.biz/miniOPC Summer Tour - https://opc.me/tourUK Mullet Tour - https://opc.me/ukCambodia October 2025 Waitlist - https://crowsnestretreats.comSubmit your questions - https://beitpod.com/questionsYouTube: How to Choose a Reformer - https://beitpod.com/choosingareformerBook: Big Magic by Elizabeth Gilbert - https://a.co/d/9qFidcWMatthew Lesko's - https://beitpod.com/leskohelpEp. 400: Gay Hendricks - https://beitpod.com/gayhendricksEp. 196: Beate Chelette - https://beitpod.com/beatecheletteFind Local Help for Basic Needs – https://www.findhelp.orgGovernment Contracting Support (Apex Accelerators) – www.apexaccelerators.usSmall Business Support (SBA Local Assistance) – www.sba.gov/local-assistance If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  Whatever you are setting yourself up to do, to go through the struggles, to go through the obstacles, to go through the failures, you have to actually want to do it. You're gonna have to care about the problem that you're solving. Lesley Logan 0:12  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:51  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the endearingly fun convo I had with Matthew Lesko in our last episode. If you haven't yet listened to that interview, feel free to pause us now, go back and listen to that one, because you've missed out. Brad Crowell 1:09  So you could also have said the wise, happy old man convo I had, who drops a lot of F bombs. Lesley Logan 1:14  And also, when we say old, I just want to say, like, there's nothing. He is not like slow.Brad Crowell 1:20  No, he does not come across that old. And he said PSM 81. I was like, what? Really?Lesley Logan 1:26  Yeah, yeah, he's feisty and fun, and. Brad Crowell 1:29  Heck yeah. Lesley Logan 1:29  And like, working so hard for everyone. And I was just so excited. And then when we I was like, I had just interviewed him that day, and our friend Michael and Brogan was here at the house, and I was like, oh my God, I just interviewed someone. You should have him on your show. And I just started describing him and our friend Michael was like, Matthew Lesko? And he was like, he's like, the guy with a question mark suit. And I'm like, yeah, that's him. And he's like, stop right now. I want him on my show. So anyways, super, super fun. We'll get into that episode in just a second. But today is July 3rd 2025 and it's National Compliment Your Mirror Day. National Compliment Your Mirror Day is on July 3rd. We live in an image-driven world. Sometimes this can cause us to not notice and compliment a very important person in our lives, ourselves. This day motivates us to look in the mirror and recognize all those things that make us exceptional, inside and out. So go look yourself in the mirror and give yourself a compliment. Brad Crowell 2:25  Go do it. Lesley Logan 2:25  Do it now. You can use your phone as a camera if , as a mirror, if you want. But sometimes I do that. Okay, literally, next week. Is it next week? I guess it's July 3rd, so maybe a little after a week. Brad Crowell 2:38  Well, Happy July 4th for those in the United States. Lesley Logan 2:41  Those who celebrate. Brad Crowell 2:42  The independence that we are on the brink of not having. Lesley Logan 2:47  You guys, I'm just going to be really honest, we're recording this while L.A. is being taken over by people. A lot of misleading information, a lot of bad stuff. Make sure always, always, always, always get news from the people who are on the ground, because people like to spend things. And so anyways, if you're celebrating the Fourth of July, Happy Fourth of July. But, in exciting news, on July 9th, I'm hosting a free workout for those people who are interested in eLevate, my mentorship program. And we'll have a Q&A, we'll have eLevate grads on there who will tell you why they love it so much. And you just want to go to lesleylogan.co/elevatewaitlist to get on, get the invitation, and come to that. We have, like, I don't know, at the time we're recording this, like, eight spots left, I think, which is not a lot of spots at all. Brad Crowell 2:47  It's not a lot of spots, y'all. Lesley Logan 3:27  No, and we're actually, like, gonna be, you know, pretty soon, starting to work out who has what time slot. Brad Crowell 3:40  I mean, there are hundreds of people on the waitlist. Lesley Logan 3:43  Yeah, like, like, several hundreds. Like, for eight people. Brad Crowell 3:47  Eight spots, right? Because we started.Lesley Logan 3:49  But don't let that deter you. That means you should go be one of those eight people. Brad Crowell 3:53  100%Lesley Logan 3:54  Yeah. Brad Crowell 3:54  Yeah. And you're welcome to reach out, you know now, so, but yeah, July 9th, it's gonna be a super good time. We're going to have a free class, answer questions, have some alumni on there, but guess what I'm really excited about, too.Lesley Logan 4:07  Yeah, we're doing Agency Mini, our coaching program that we do, where we. Brad Crowell 4:12  Bringing it back. Lesley Logan 4:12  We help as many people as possible. Brad Crowell 4:12  Bring it back to me. Lesley Logan 4:13  Yeah, and we're doing it in three days, so you don't have to be overwhelmed by a week-long situation with like, the Facebook, none of that stuff. So if you've heard of Mini before, this is a new Mini. Brad Crowell 4:28  If you've done Mini before, you should come back and do that. Lesley Logan 4:31  Yeah, we used to have a rule that you couldn't and now you can. Brad Crowell 4:34  Yeah, we're, this is a special invite. Special invite because it's different. You know. We're, we're taking the concept and we made it better, we made it shorter, we made it easier, we made it faster, all the things. And so, you know, you really can learn a lot in just three days with us. And then, you know, there's also opportunities for coaching calls, which we never offer outside of our coaching group. Or you can book a coaching call with either Lesley or with me. It's a Round Robin. So you'll be surprised at who you get, because it's just based on our availability. But basically.Lesley Logan 4:58  Oh, that's cool. So they're just booking it and, like. Brad Crowell 5:07  They're just booking a call and getting aside. Lesley Logan 5:08  Cool. It's like speed dating.Brad Crowell 5:10  Kind of, but it's gonna be great because, you know, we, we don't have, we don't set aside the time to coach people who are not in our coaching group, because it's already a lot, right? And so what we've done differently this time is we're creating that space that time we actually are leaving, you know, time during six days where you can book a call with us. And you do that when you register for Agency Mini, so when you're going through and it says, like, oh, do you want to join Agency? Say yes. And then during the checkout, you'll say, oh yeah, and yes, I would like to add a coaching call and so, you know, we'll, we'll be able to chat. It's gonna be awesome. I'm looking forward to it. I'm looking forward to meeting everybody. I love hearing all the different things that are going on. I just had a coaching call with a new Agency member, and she's opening up a bigger space, like a much bigger space than her current space. Lesley Logan 5:56  Oh, is it, who I think it is? Brad Crowell 6:03  No, not at all. So, you know, and they, they were, they're trying to figure out, like, you know, all the mechanics behind that. And what's so fun is that Lesley and I've been able to be there for this conversation many, many, many, many times over the years, plus we've done it ourselves, right? So anyway, come join us. Go to Agency Mini, prfit.biz/mini P-R-F-I-T dot biz, that's profit without the O dot biz slash mini. Then, we're hitting the road.Lesley Logan 6:33  Yeah, after Mini, we literally pack up the van and we're gonna go on tour, you guys, 15 cities and like, 20-something days. Our tour is powered by Balanced Body, and many of the events are sold out, like a lot of them are sold out and so but also on this one, there is an opportunity to join a virtual so if I've never come to a city near you, you've never had the time to drive a half hour across town, all that stuff, you can actually get tickets to the virtual events we're doing in Calgary. So go to opc.me/tour to see the lineup, the cities. I can name them for you. We're doing Phoenix, San Diego, Los Angeles, Santa Barbara, San Francisco, Sacramento, Eureka, Portland, Seattle, Vancouver, Kamloops, Calgary, McCall, Idaho, Salt Lake in Las Vegas.Brad Crowell 7:18  That's right, I'm impressed you just rattled that off I think that's 16, right? Something like that. 15?Lesley Logan 7:22  Some people keep saying 15, whenever I counted. It feels like 16, so I don't know. Brad Crowell 7:28  Yeah. Well, anyway, it's a bunch. It's exciting. We've got a lot going on, and we can't wait to meet you in person. So come join us. Go to opc dot me slash T-O-U-R that's opc.me/tour. And then.Lesley Logan 7:41  We had a lot of people in the U.K. jealous of this tour. And I'm like, hold on, we're coming your way in September. So we come home, we acclimate, then we go into the U.K. We have two city locations in the U.K. for our Mullet Tour, which means business in the front Pilates in the back. Don't worry, the business is also like life skills. So.Brad Crowell 7:59  It's not like super deep business in a studio. So you can.Lesley Logan 8:02  No, you can be a non-teacher. Brad Crowell 8:04  One of them is about scheduling, and you can apply that to any element of life, like. Lesley Logan 8:14  One of them is about habits. Brad Crowell 8:14  And the other's about habits. That's right. So. So anyway, it's gonna be awesome. Go to opc.me/uk.Lesley Logan 8:15  We'll do Leeds and we'll do Essex. And right now we have three spots left in Leeds. No, they're not days passes yet available for Leeds. There's only three weekend passes left, so we're not breaking those up. In Essex, we have day passes because it's during the week. Or you can save money by getting two day pass. So go to opc.me/uk you can come to both. There's only, like, two workshops that cross over. So.Brad Crowell 8:37  You could come to Leeds and then to Essex, yeah, you totally could do that, and then you can continue the conversation. Because often, when you do a workshop and you leave, how often do you immediately revisit that content? Imagine being able to revisit it right away and just take it even deeper, hear it again and, like, really dial it in. So that's also an option. Then, in October, guess where we're going? Lesley Logan 9:01  Back to Cambodia. Brad Crowell 9:02  That's what we're doing. We can't wait. Obviously, we love Cambodia. We love going there. We love helping people experience another world altogether. It is just the coolest place.Lesley Logan 9:13  I love just like getting some time away from the life and chaos that's going on that you like, absorb all the time, and you're dealing with all the time to just like, to just fill your cup up and be amazed about what community can look like in a village, and what it can look like to see temples that took hundreds, if not thousands of people over, you know, several years working together. And sometimes when I just feel like there's just no way we're going to solve this problem, that I go there and I'm like, well, they did this, and if they did this, I can solve a problem. So, like, I just it's always very, It's humbling, but also grounding, and then it really allows you to step away from what's going on and get a bigger, get a better understanding and come back into it.Brad Crowell 9:57  I love it. Well, you're not wrong. It is mind-blowing it is one of those trips that will change your perspective of life in general. It's amazing. So you should join us. Go to crowsnestretreats.com crowsnestretreats.com. Come join us. There are still spots for this October, and it's not too late to get the plane tickets. I think Lesley and I just basically bought ours recently. Lesley Logan 10:18  We have haven't bought them yet. No. Brad Crowell 10:19  We've been looking at them. Lesley Logan 10:19  We're looking at them. Brad Crowell 10:19  So we haven't bought them yet, right? So don't worry, there's room, okay, there's time. So come join us. But, before we get into the Matthew Lesko question mark jacket, he didn't wear it in the interview. But he. Lesley Logan 10:33  Yes, he did. Brad Crowell 10:34  He wore his question mark jacket? Lesley Logan 10:36  Oh, yeah, you didn't watch? Brad Crowell 10:37  No, I did watch, but I kept looking at his epic blue glasses.Lesley Logan 10:41  No, there was question marks on that suit that clearly-fitted-to-him suit. Brad Crowell 10:46  He's a badass. Lesley Logan 10:47  Wonderfully fitted to him. Brad Crowell 10:48  Well. Anyway, before we get into that, we have an audience question @MarleneBroek on YouTube says, I wish I could do a Scottish accent, because I think her last name is Scottish, but I'm not going to try. She said hello, I already have a Reformer, but my head rest is stationary. Any recommendation for a separate headrest, such as the kind that forms to one's neck, interesting, or one that is flat to go on top of it. Thank you so much for your time. All right, Marlene, get ready, because I already know what's coming.Lesley Logan 11:22  So unfortunately, you all, many, many people are now making Reformers who've never done Pilates before, and they don't know that these things make a difference. So I'm super, super glad you're curious, because your headrest is not supposed to be stationary. So what I don't know from this is, if your headrest is stationary up or stationary down. My hope is that it's stationary down, because then we can get like a wedge pillow of some kind that will mimic a head rest being up. But then you could take that, that insert away, and then you could actually still do overhead exercises. If it is stationary up, you cannot do any overhead exercises. No, there's nothing we can do. I don't even know that what you can do, because I don't have a picture of your Reformer, don't know if it has hinges, if you could add anything. Unclear. So what I will say is, I'm just going to assume your headrest is stationary down for the rest of this conversation. You don't want a pillow or headrest that forms to your neck, because we're not actually trying to support the neck in that way we're, actually, when we have the headrest up, it's meant to tilt your head in just a way, so your neck can relax, but your upper abs can engage without us even telling you. That's why the headrest is up for footwork, for frogs and circles, for running, for pelvic lift, that your headrest is up so that your you just have this nice little support to help you engage your upper abs without you using your neck. It's really quite cool. He's very fast. So anyways, and it's down when you're not using that. So you can do overhead exercises. You get your box on top, things like that. So I would look into, Marlene, some sort of like foam wedge that you can cut to the size of your headrest. Brad Crowell 13:00  And firm foam. Lesley Logan 13:01  I would definitely say something firm. You don't want to be like a pillow.Brad Crowell 13:05  Right. So, so, like, I'm thinking about your baby chair and that little funny wedge that you have for the baby chair. Kind of would be like that. So, like, and that wedge, you're sitting on it, and it doesn't move, like, it doesn't give, it, literally, is intended to level out the baby chair. So in this case, you would want something that's firm like that as well. Lesley Logan 13:23  Yeah, very firm, like, you can even.Brad Crowell 13:26  Like, you basically just taking it on and off.Lesley Logan 13:27  I mean, I would imagine, like, if you have someone handy in your life with, like, a really cool saw that could, like, take a yoga block and, like, slice it from. Brad Crowell 13:37  That's a good texture, yoga block. I bet you could modify a yoga block to make your own wedge. Lesley Logan 13:42  Yeah. And I think that some yoga blocks even come like that. So, like you, I mean, like, there's a lot of things out there, but that's what I would do. Brad Crowell 13:50  What kind of angle are we talking about here?Lesley Logan 13:52  Let me just get my protractor out. It's, it's not as.Brad Crowell 13:59  If there's a right angle, is it halfway? Lesley Logan 14:01  No. Brad Crowell 14:02  No. It's 1/3 of the way? Lesley Logan 14:03  One-third, maybe. Your eyes are still able to look at the ceiling. You're not looking at your toes. Brad Crowell 14:09  Got it. Lesley Logan 14:10  Yeah. Brad Crowell 14:10  Cool. Lesley Logan 14:11  Yeah. So Marlene, I hope this helps you. This is why I did the Reformer, you know, how to choose a reformer video. And this is why these are things we have to think about when it comes to what, what changes did an engineer make when making your rReformer, you know, like, did they change the springs for bungee cords? Did they change the foot bar that moves to a fixed vertical foot bar? Did they change that there's no head the headrest doesn't go down or doesn't go up? Did they change the shoulder rest so that they're round and not actually something that like allows your shoulders to be wide, or your foot to be against something that like fills their foot out like the Contrology shoulder blocks actually fit the shape of your foot. That's why they're (inaudible). That's why they're made the way they're made. So.Brad Crowell 14:53  I was like, what?Lesley Logan 14:55  So anyways, I don't think you have to go buy a whole other Reformer, Marlene, but I would do this, and then I would have a little savings account for the another, the next Reformer. And trust me, someone will buy this off you for the same thing you paid for it, because everything goes up in price and they're not paying tax on shipping.Brad Crowell 15:10  No doubt. Well, and then when you're ready to go shopping, reach back out to us and we'll connect you with Balanced Body, where we've got a discount code for you there. So yeah, all right. If you have a question.Lesley Logan 15:21  Send it to the beitpod.com/questions. Brad Crowell 15:24  That's right. Send it to beitpod.com/questions beitpod.com/questions. If you have a win, and you want us to cover that win on the FYFs on Friday, you can also submit it right there as well. So thanks for asking that. Stick around. We'll be right back. We're going to dig into the question mark-filled convo with Matthew Lesko. Actually, it's more like mind-blowing convo. He has said wealth of information and exuberance for life. I really enjoyed it. So we'll be right back. Brad Crowell 15:50  Okay, welcome back. Let's talk about Mr. Matthew Lesko. At the age of 81, Matthew is still rocking those question mark suits and has spent four decades helping people find free resources that they did not know existed, which I kind of think is amazing. He has written over 100 books, y'all, he's written 100 books. He has appeared on shows like Oprah, Larry King, The Good Morning America, and built a thriving online community that connects people to grants, businesses and funding and overlooked financial support. PS, I did math while I was listening, his, his community is like 5000 plus people. Yeah, that's crazy. From a string of failed businesses to becoming a recognizable voice for everyday people, Matthew has made it his mission to make support accessible. And it proves it's not about luck. It's about knowing where to look. So we're fired up about that. That was amazing. Tell me one of your favorite things about this convo. Lesley Logan 16:47  Okay. How many things can I talk about? But first I want to just like he emphasized, there's no single formula for success. He talks about how life and starting anything new, this is important, means dealing with failure, struggle and a lot of guesswork. My perfectionist, here it is from someone who's written 100 books and is 81 years old and seen it all. You know, it come like success actually comes from dealing with failure, struggling, a lot of guesswork. And he believes success doesn't come from knowing everything, but from possessing the energy and willingness to keep trying and learn from failures. Hold on. I have to, I have to say this. He strongly advocates that you follow your heart. Stated, he says the way to get anything done is your heart has to be in it. He also said your heart is smarter than your brain, and to trust that more than anything. And I love this, because I think, like a lot of people, like, well, what's specifically when we coach people on their Pilates business, I'm like, oh, you know, who do you want to help? Well, that's, I want to help everyone. Brad Crowell 17:45  Me, too. Lesley Logan 17:45  Right. But like, who do you want to help? Because if your heart's not in it, you're gonna really be annoyed helping the person that you don't want to help. And then you're if your heart's not in it, you're gonna start resenting them and, like, start going, oh, this becomes another job, right? Like, your heart has to be in what you're doing.Brad Crowell 18:01  Yeah, definitely. You know, it's so funny. We were just talking about this recently, where I feel like there's the two extremes, like I'll do anything for money. I'll only do it if I love it. And, you know, I know I kind of flip flopped over this, you know, during my life. And he has a very compelling argument to follow your heart, and I think also too, you know, he's very savvy. He's very business savvy. So he's been able to figure out how, by following his heart, can he also make money. And he's turned it into like a mission, and that mission has attracted other people who are like-minded. And, I mean, that is like the ideal scenario. Lesley Logan 18:45  Well, and also, if you realize, like, you know, first of all, you know, Big Magic is a great book for everyone to read. And some of your things that you love to do, that you're like, are creative, aren't meant for making money on. So that's, we're not. I don't think that Matthew or us are advocating that you like if you love pottery, that you go or you only make pots, and that's how you make money. That whatever you are setting yourself up to do, to go through the struggles, to go through the obstacles, to go through the failures, you'll, you have to actually want to do it. You can have to care about the problem that you're solving. If you don't care, you're not gonna be able to handle those obstacles. You're not gonna be able to go through it. You're gonna, you'll get, you'll get a door slam on your face and just go, okay, well, I'm not into it, right? So I think that's what he means, that your heart has to be in it. Like not everything you love doing will be a thing you make money on, but you gotta care about what you're doing. Gotta have care for it to be successful.Brad Crowell 19:40  Yeah, and I think there was something he said that just went right out of my mind. But he, he, he was talking about the when his, when he first, he actually, first off, I had no idea, he was in the military, but apparently he was in the military after he got out, he started.Lesley Logan 20:02  81 (inaudible). I don't think you get to be 81 and you weren't, unless you're an asshole, draft dodger dickhead. Anyway.Brad Crowell 20:02  That's fair. So he, he said he started a bunch of businesses and they failed. He started another business and they failed, and then he became a consultant, and that somehow, you know, was working, but then he was making millionaires billionaires. And he was like, that sucks. You know, he's like, these people don't care about anybody except for themselves. And he was not and he was not really enjoying it. And you know, he said he had this moment though, where he's showing up for the job, and he's like, uh, someday it's gonna be better and more fun, and then hopefully when I'm retired, I'll be able to go enjoy life. And he said, wait a minute. Why? Why should I keep doing something that I hate just hoping that someday it'll make it'll be better, it'll I will enjoy it more, or it's gonna pay me what I want to pay. He's like, I only have one life to live, and I'm better. I should start enjoying what I'm doing now. How do I do that? How do I do that? You know? So he said he flipped the script and decided to prioritize having fun. And he said having fun is contagious. He said it's a little contagious. In fact, you know, just his approach to the podcast was contagious and fun and joyful, you know. And he said it's also when you're doing something that feels fun, you are naturally motivated to work harder, right? So, you know, instead of like, kicking yourself to go get the thing done, that you have to do, what if you could do something that is fun, you know, you're gonna do it well, because you love doing it?Lesley Logan 21:37  Yeah. Yeah. It made me think a little bit about Gay Hendricks is, like, zone of genius kind of a thing. Like, I feel like. Brad Crowell 21:44  Sure.Lesley Logan 21:44  I feel like they're very similar, except for this one is, like, except for Matthew is teaching us how to get the money we need to go do the thing we love.Brad Crowell 21:54  Yeah, it's, it's very true, and he's encyclopedic with that, as well. He was very impressive. Lesley Logan 21:58  I will say. Like, if you listen to episode 400, Gay Hendricks will help you figure out what your zone of genius is. And then Matthew Lesko will give you all the websites for where you can get paid to do your zone of genius. I think that these are two must listen tos.Brad Crowell 22:12  Who knew that kind of a thing, just, mind-blowing. Lesley Logan 22:12  And I think that each state has that. You have to figure out, like, how does your state, how does your state make money? Right? Because every state's a little different. How they tax, what they tax. So like, obviously Nevada is not excited to help us unless we are a casino. So since we are not one of those things, we're not getting that. But at the same time, there's still going to be things we can reach out to figure like, find ways, because this, they do have local people who need.Brad Crowell 22:40  Yeah, gambling and tourism, that's how Nevada makes money.Lesley Logan 22:43  Yeah. So that's how that makes money. So, like, but we can figure out, like, okay, well, how, what does the city need, right? Because we actually don't live for, the strip is not part of Las Vegas, surprising. It's technically paradise, but, but, but you can figure out what your city needs to get, what your county needs to get, what state needs, and then go, oh, well, what are they? They're paying for that, they're giving out grants for that. Like, yeah, you do the paperwork. But like, not many people are. Brad Crowell 23:06  Not many people are. Lesley Logan 23:07  Remember, I forget her name, B-D B-D. Brad Crowell 23:12  B-E-A-T-Y? Lesley Logan 23:14  Yeah. No, no, B-E-A-T-T-E. She was on our on an episode of The Be It Pod, and she got a, she got an SBA grant because she filled out the fucking paperwork.Brad Crowell 23:26  Yeah, I. Lesley Logan 23:27  B-D Brad Crowell 23:28  Don't have her name there.Lesley Logan 23:30  Well, she's in the two hundreds. Let's see how.Brad Crowell 23:35  Oh, B-E-A-T-E Chalet, Chalet. She was, she,her interview was 196. I'm very proud.Lesley Logan 23:43  Ah, I was so close. And I was thinking, Beate Chelette, but I was like, no, I was confusing her with Aletta Rochat. And I was like, no, but actually, I should have said it out loud, because I was right. Anyway, so close, so close. Yeah, but she, if you guys listen to her episode 196 she actually got an SBA grant for her business idea. You know? Brad Crowell 24:05  I love that. Lesley Logan 24:05  Because she did the thing that Matthew said to do, make the appointment, sit down with the people like, fill out the thing. Anyways.Brad Crowell 24:13  Impressive. All right. Well, anyway, stick around. We'll be right back. We're going to dig into that amazing convo you had with him about the Be It Action Items, which y'all literally, you have to take notes like, it is, it's 100% you have to go back. You slow it down, listen to it twice, write down all the things he said. But we're gonna talk about it so. Lesley Logan 24:31  And it's also in the transcripts. Brad Crowell 24:33  Oh yeah, we'll put the links in the transcripts, but stick around. We'll be right back. Brad Crowell 24:37  Okay. Finally, let's talk about those Be It Action Items. Say it with me Mindi. What bold, executable, intrinsic or targeted action items can we take away from your convo with Matthew Lesko. He shared an abundance of untapped government resources, both state and federal. By the way, it's not just the federal.Lesley Logan 25:00  And I guess for the people who live internationally, I imagine these things probably exist in a lot of places you live. Brad Crowell 25:05  I'm 100% sure about Canada. In fact, I have a lot of musician friends who would get grants in Canada where the Canadian government was willing to sponsor. Lesley Logan 25:14  Yes. We have had guests who do that. That is amazing. Brad Crowell 25:16  Yeah. And that that like, I don't even maybe that's available here too. I have no idea, but I'll tell you. You know, that was seemed to me like, like my college friends were like, I want to make an album. And they literally applied to the Canadian federal government, and they got like, 10 grand to make an album. And I was in college going, how the hell, why can't I get 10 grand? Lesley Logan 25:36  I mean, they were Canadian, obviously. Brad Crowell 25:38  Yeah, they were, they were obviously Canadian. So anyway, he shared a bunch of untapped resources. He said that 40% of everything in our economy are organizations that give you free money to solve a problem. I don't really understand that statistic, and I can't actually validate that, but he's been doing this for four decades, y'all, so he knows all these things. He emphasized that these programs are already paid for with our tax dollars. So it's on us to take advantage of them, or the money just sits there, it doesn't get used, right? And also, it might not be the kind of thing that they get to they don't just hoard it and pile it. It might be like, hey, you can give up to $2 million away, but if they don't, they don't get to keep it, right? So basically, it's on us to go take advantage of what is available to us. And it was fascinating to listen to him talk about the different reasons that someone might want to go get a talk to these organizations and go through the process. He emphasized that, well, yeah, there, and this stuff is already funded. It's already paid for. He advised the to seek out free government and nonprofit resources directly, rather than relying on standard search engines like Google, specifically, because they don't actually do SEO, or they're gated searches, you can't actually search them with outside search engines like Google. Right? And so basically, he gave us examples like findhelp.org which is amazing. It's about local finding local help for things like food, housing, health, money.Lesley Logan 27:04  That, right there is so amazing how many people are struggling to afford groceries right now. Like, maybe, maybe you're not someone who is it, but maybe someone you know is. You can send them that information. Brad Crowell 27:15  findhelp.org you know, and there will be links in the show notes. So there's more links in the show notes. Lesley Logan 27:22  So many. Brad Crowell 27:22  Yeah. He talked about the SBA. He talked about Apex Accelerators, which I've never heard of before. He talked about career and job training. Lesley Logan 27:30  Oh, and turn your VPNs off, y'all. Brad Crowell 27:31  Yeah, yeah. They're, you know, if they're a government side, it might have trouble if you have a VPN on. He talked about HUD, which is like another United States government, housing urban development, and he said, there's free financial and debt counseling, right? And they can help you get out of debt.Lesley Logan 27:48  I mean, I had no idea, because, like so many of my friends and everyone had, like, use those companies that can, like, you know, supposedly help, but it could affect your credit at the same time. Like, who? Who knew if you use the government agency, maybe it would have been different.Brad Crowell 28:02  I wish I had known when I when I had a failed business. It would have been really helpful. Wish I had known. So anyway, what about you? I mean, all those things and there's still more. Lesley Logan 28:11  Okay, so we said it already. We're gonna say it again, because it's a Be It Action Item. Once you find a resource, book an appointment, okay? Matthew said, everybody just wants to fill out on application online, and wait for the money. You can't do that, he said, because you don't know. Brad Crowell 28:23  What did everybody wants to say what? Lesley Logan 28:23  Everybody wants to just fill out the applications online. Like, you know, like, oh, let me just do it online. It's just copy paste, copy paste. And he's saying, don't do that, because you don't know how the application should be filled out. And, like, there's always the little nuances, right? Like, we're currently working with lawyers who are filling out legal forms for us to go to Canada. So if we had done it ourselves, we wouldn't know the insight and the nuances to like, oh, actually, put this instead of that, because this will get you across. And that is actually going to be like, we have enough of those. So like, you want to make sure that you're working with someone who's like, fighting for you to fill it out correctly will tell you what certain things mean. I mean, sometimes I don't even know. It's like, you're like, oh, I think that's where I put my business name, and it's not, it's where you put your account number or something like that. So, you know, just work with the people. They're in the office I'm talking, I'm sure it'll brighten their day to hear what you're working on, right, what you need help with. Also, they often know the other people in the area, the community, the other resources to help you, right, like, oh, if I'm not the right resource, this person is, if you're starting a business or a nonprofit or side hustle, the smartest move is to call your local SBA office and speak with a counselor. Again, not something online, not a chatGPT. You gotta go and talk to someone. And then he also said, talk to experts who.Brad Crowell 29:42  SBA stands for Small Business Administration, right? So that's a federal government thing, but they have local offices around the country, so you can actually go in and make an appointment to to their office. In fact, also too, not that I'm like, a huge fan of the big banks, but big banks actually often have training programs for business owners, too.Lesley Logan 30:02  Yes, but we're not fans of big banks because they won't help you get an SBA.Brad Crowell 30:05  Almost never will they help you get a loan. But, you know, there are resources available there too, but the SBA is actually, like, trying to help you get the money. Lesley Logan 30:13  Yeah, I would fuck the big banks.Brad Crowell 30:17  If the big banks, like, honestly, the SBA doesn't let you apply for SBA funding directly through the SBA. You have to apply through a bank. You don't necessarily need to apply through a big bank, though. So that's the difference there.Lesley Logan 30:30  Right. So, and then also make sure you have the experts who can help you, help people like you, guide you to the right programs and the paperwork, and they usually do this for free. And you know, he's someone who loves to help people. So, like, there's, there's things out there. You're not on your own. Your friends and family might not be the best people to ask, but, you know what? Go to these offices and go, oh, they can't help you. Do you know who? Do you know who will, who can? Like, what else should I search? What should I be searching? Because I get the right thing. Like, they'll, they'll even, even at the DMV people help me, if you just ask the right questions and you're really nice. So trust me, people want to help people. Brad Crowell 30:34  Yeah, it's true. It's true. Well, what a wealth of information. Also, he has like, here's like, books that are like, $20 so, like, even if you're, you know, look, if you're looking for more and you, you know, want to check out his resources. He has that community. The community he built is like people trying to help people find the right stuff. So, I mean, it's just curious. It's just fascinating.Lesley Logan 31:29  Sounds super positive. Brad Crowell 31:30  It sounds really positive, yeah. Lesley Logan 31:31  Yeah. Who doesn't need that in their life? Anyways, share this with a friend who needs to hear it. Brad Crowell 31:36  Share it. Send it.Lesley Logan 31:37  This is the episode to share. There's so much in there for people, everybody.Brad Crowell 31:41  Episode 545, y'all, share it. Lesley Logan 31:43  545Brad Crowell 31:44  545Lesley Logan 31:44  I'm Lesley Logan. Brad Crowell 31:45  And I'm Brad Crowell. Thanks so much for being here. Lesley Logan 31:48  Oh, okay, you totally did. Show. We already said to share this. So now, go Be It Till You See It. Brad Crowell 31:55  Bye for now.Lesley Logan 31:57  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 32:39  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell. Lesley Logan 32:44  It is transcribed, produced and edited by the epic team at Disenyo.co. Brad Crowell 32:49  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi. Lesley Logan 32:55  Special thanks to Melissa Solomon for creating our visuals. Brad Crowell 32:59  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Sam Sells is a retired U.S. Air Force officer turned impact investor and entrepreneur who has led the acquisition and management of over $200 million in commercial real estate assets. As co-founder of Impact Growth Capital and host of the Disruptive Capitalists podcast, Sam specializes in building wealth by solving critical housing challenges—especially in America's most neglected communities. His approach combines military discipline, systems thinking, and a passion for making a difference at scale. On this episode we talk about: – How Sam made his first dollar as a kid selling whatever he could—and why his last name “Sells” fits his entrepreneurial journey – Lessons from a global military career, building sustainable healthcare systems, and learning to create repeatable, high-impact outcomes – The moment in Chad, Africa, that sparked his mission to pursue financial freedom and help others achieve it – Why real estate became Sam's vehicle for impact and wealth, starting with mobile home parks and scaling to national projects – The realities of flipping homes, the misleading nature of TV real estate shows, and the importance of understanding the real numbers – How Sam used creative strategies like master lease agreements to acquire and improve properties with limited capital – The risks and pitfalls of real estate investing—over-leverage, mismanagement, and the brutal lessons of recent market cycles – Why America is the country's largest “slumlord,” and how Sam is tackling public housing's massive problems through public-private partnerships – How Impact Growth Capital works with HUD and local housing authorities to renovate or rebuild thousands of government-owned units, using government funding and innovative systems to guarantee returns and create real social mobility – The unique, vertically integrated model that combines real estate development, nonprofit resident support, and measurable poverty reduction – The challenges and rewards of scaling a national impact business, and why entrepreneurship—not bureaucracy—is the key to solving America's toughest problems – How others can get involved as investors or partners in this mission Top 3 Takeaways 1. Impact and Profit Can Coexist: You can build wealth and make a real difference by solving urgent problems—like America's public housing crisis—at scale. 2. Creative Structures Unlock Opportunity: Master leases, public-private partnerships, and government-backed funding can open doors for investors willing to learn and innovate. 3. Entrepreneurship Drives Change: Lean, mission-driven entrepreneurs are better equipped than government alone to tackle complex social issues and deliver lasting results. Notable Quotes – “No matter how hard he works, he's never going to become free. What do I need to do to become free—and how can I help as many other people become free as possible?” – “The number one slumlord in America is America. Public housing authorities own nearly 900,000 units—seven times the size of Blackstone.” – “We can do good and do well at the same time. Our intent is to help millions get out of poverty and help our investors make a great return in the process.” Connect with Sam Sells: Email: sam@impactgrowthcap.com Website: impactgrowthcap.com Podcast: Disruptive Capitalists LinkedIn: Search “Sam Sells Impact Growth Capital”

The GovNavigators prepare for Independence Day weekend in this special pop-up episode of the GovNavigators Show. Unfortunately, leadership in Congress likely won't be enjoying the fireworks, as the administration insists everyone stay in town until the "Big, Beautiful Bill" is on the President's desk. Meanwhile, Russ Vought calls for a shakeup in federal auditing, and HUD gets a new headquarters.

In this episode of "Kent Hance: The Best Storyteller in Texas," host Kent Hance  shares personal stories and insights on leadership, history, and politics. The discussion covers the Falklands War, the swearing-in of Andrew Hughes as deputy secretary of HUD, and the complexities of U.S. political negotiations. The episode blends thoughtful reflections on historical events with anecdotes and humor, highlighting the importance of resilience and recognizing potential in young leaders. Listeners gain perspective on both past and current events through engaging storytelling and informed commentary.

Trump Just Changed EVERYTHING for Disabled Veterans! Hosted by: David Pere Episode Type: VA Policy Breakdown, Commentary Length: ~10 minutes Watch on YouTube: Trump Just Changed EVERYTHING for Disabled Veterans!

The Department of Housing and Urban Development will soon transfer employees from its downtown DC office into the National Science Foundation's headquarters in Alexandria, Virginia. HUD's move is expected to entirely displace close to 2000 NSF employees already working there. But so far, there's no plan on when the move will happen or where NSF will go next Here with more on this developing story is Federal News Network's Drew Friedman, See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Thursday, June 26th, 2025Today, Republicans capitulated to the lies that spewed forth from the mouth of Emil Bove in his confirmation hearing before the Senate Judiciary Wednesday; Zohran Mamdani defeated Cuomo in the New York City mayoral primary sending another message that people power is strong than the political money machine; the Trump administration is kicking the National Science Foundation out of its offices as HUD moves in; a suspect linked to a Palm Springs fertility clinic bombing has died in federal custody; Representative LaMonica McIver has pled not guilty to the ridiculous charges brought against her by parking lot lawyer Alina Habba; a federal judge has halted Trump's bid to end collective bargaining rights for federal workers; a judge holds a hearing over bail conditions for Kilmar Abrego Garcia; and Allison and Dana deliver your Good News.Thank You, Naked WinesTo get 6 bottles of wine for $39.99, head to nakedwines.com/DAILYBEANS and use code DAILYBEANS for both the code and password.Thank You, Native PathGet up to 66% Off, free shipping, and a 365-Day Money Back Guarantee at nativekrill.com/dailybeansCheck out Dana's social media campaign highlighting LGBTQ+ heroes every day during Pride Month - IG|dgcomedy, Dana Goldberg (@dgcomedy.bsky.social)Protected Whistleblower Disclosure of Erez Reuveni - Free Bonus Episode of UnJustified Guest: Nick SchwellenbachStephen Miller's Financial Stake in ICE Contractor PalantirProject On Government Oversight (POGO)@schwellenbach - Blue Sky StoriesAaron Rupar: "SCHIFF: Did you suggest telling the courts 'fuck you' in any manner? BOVE: I don't recall SCHIFF: You just don't remember that" — BlueskyRep. McIver pleads not guilty to assault charges following immigration center visit - ABC NewsTrump Administration Ousts National Science Foundation from Headquarters Building | Scientific AmericanFederal judge halts Trump's order to end collective bargaining rights for many federal workers | CNN PoliticsDaniel Park, suspect linked to Palm Springs fertility clinic bombing, dies in federal custody, Bureau of Prisons says | CBS NewsGood Trouble: The new Battle Buddies program asks veterans to sign up to attend public immigration court hearings, escort Afghan allies into and out of court and “show silent support” for individuals involved. Battle Buddies — #AfghanEvacAdvocates recruit vets to attend Afghan allies' immigration hearings | Military Times From The Good NewsZohran Mamdani pledged millions to trans health care if elected NYC mayor. He just won a key victory. - LGBTQ NationLA County Overdose PreventionLA Community Health Project - Los AngelesTexas Equal Access FundTEA Fund Become A GEM - YouTubeCurative ConnectionsRabbit.orgWaffles, a Netherland Dwarf & Bunny Rabbit Mix in Baltimore, MD | PetfinderReminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Federal workers - feel free to email me at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen.Share your Good News or Good TroubleMSW Good News and Good Trouble Check out other MSW Media podcastshttps://mswmedia.com/shows/Subscribe for free to MuellerSheWrote on Substackhttps://muellershewrote.substack.comFollow AG and Dana on Social MediaDr. Allison Gill Substack|Muellershewrote, BlueSky|@muellershewrote , Threads|@muellershewrote, TikTok|@muellershewrote, IG|muellershewrote, Twitter|@MuellerSheWrote,Dana GoldbergTwitter|@DGComedy, IG|dgcomedy, facebook|dgcomedy, IG|dgcomedy, danagoldberg.com, BlueSky|@dgcomedyHave some good news; a confession; or a correction to share?Good News & Confessions - The Daily Beanshttps://www.dailybeanspod.com/confessional/ Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:The Daily Beans on Apple PodcastsWant to support the show and get it ad-free and early?Supercasthttps://dailybeans.supercast.com/Patreon https://patreon.com/thedailybeansOr subscribe on Apple Podcasts with our affiliate linkThe Daily Beans on Apple Podcasts

On today's show we are reporting on a change to financing rules in the US that stand to improve the numbers for multi family apartment projects. We are talking about the HUD financing. This is more difficult financing to get than agency debt like Fannie Mae or Freddie Mac. But it is superior financing. There are several different loan types. I'm going to focus on the HUD 223F loan, but everything I'm about to say also applies to the HUD 221D4 which is a construction loan combined with a permanent loan. The reason we are talking about it now is the result of a new policy change is part of a new announcement .Under the existing rules you can save up to 0.35% on your annual MIP with the Green MIP Reduction program for HUD 223(f) loans. This also applies to new construction loans like the 221d4.  The policy change eliminates the distinction for Green loans and normalizes the mortgage insurance premium at 0.25% for all multi-family loans. This reduction in rate means that all other things being equal, you could borrow 4% more in loan principal for the same monthly loan payment. -------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

We are releasing today on our podcast show a repurposed webinar that we produced on June 11, 2025 entitled “What is happening at the federal agencies that is relevant to the residential mortgage and settlement service industries.” During this podcast, we will inform you about recent developments at federal agencies, including the CFPB, HUD/FHA, OCC, FDIC, FRB and USDA (collectively, the “Agencies”), as well as Congress, the White House, states and the courts. Some of the issues we consider are:   •     Changes in leadership and priorities at the CFPB, as well as efforts to significantly reduce the funding and staffing at the CFPB and related lawsuits. •     House Republican criticism of various CFPB actions under former Director Chopra. •     The rescission and revisiting of CFPB final rules, proposed rules and informal guidance, including the Nonbank Enforcement Order Registry final rule, Residential Property Assessed Clean Energy (PACE) Financing final rule, Residential Mortgage Servicing proposed rule, and FCRA “Data Broker” proposed rule. •     The termination of CFPB enforcement efforts and revisiting of CFPB redlining consent orders. •     The rescission of Community Reinvestment Act rule amendments. •     The White House directive for the federal government to eliminate the use of disparate-impact liability. •     The status of the HUD disparate impact rule under the Fair Housing Act. •     HUD's reversal of various FHA policies adopted during the Biden Administration, including guidance regarding appraisal bias and reconsideration of value. •     Trigger leads bills. •     White House firings of independent agency board/commission members and efforts to exert control over independent agencies. •     State efforts to fill the void left by the actions at the CFPB.   John Socknat, co-head of our Consumer Financial Services Group, moderated and participated in the presentation, along with the following other members of the Consumer Financial Services and Mortgage Banking Groups: Richard Andreano, Jr., John Culhane and Matthew Morr.

Welcome to Dev Game Club, where this week we finish our series on 2004 indie classic Cave Story. We talk a lot about difficulty, a bit about story, and also just what a miracle a game like this is from one person. Dev Game Club looks at classic video games and plays through them over several episodes, providing commentary. Sections played: Finished (Brett), to dragons (Tim) Issues covered: killing baby dragons, the boss rush, being exhausted beating your head against the wall, drinking a potion maybe too early, what is easy when you play a game every day, the hardcore game underneath, the punishing weapon system, depth of weapon strategy, bad patterns, save points as a balancing mechanism, the charm offensive, story depth and characters, motivating the player, having the music stop to introduce a character, the jetpack weapon, finding the map really late, keys that aren't keys, a HUD on top of level information, parallax, designing for player scalability, macro difficulty and player choice, linearity, having a choice at the end, committing to make a game more difficult or easier for yourself, the music options.  Games, people, and influences mentioned or discussed: League of Legends, Nintendo Treehouse, Hollow Knight/Silksong, From Software, Bayonetta, Nintendo Switch, Calamity Nolan, Resident Evil 4, Jamie Fristrom, MegaMan, Kaeon, Earthbound, Mario (series), Metroid, Castlevania, God of War, Celeste, Zelda: Ocarina of Time, Dark Souls, KyleAndError, Metal Gear Solid (series), Fez, Spelunky, Derek Yu, Outer Wilds, LostLake, Kirk Hamilton, Aaron Evers, Mark Garcia.  Next time: Spelunky! Links: Music for Podcasting!  Twitch: timlongojr  Discord  DevGameClub@gmail.com 

David Waldman and Greg Dworkin are back with the latest in KITM and KITM accessories. You might not know that Dennis Kucinich was mayor of Cleveland, or that Jerry Springer was mayor of Cincinnati, yet you probably know every mayor of New York City over your entire life, maybe earlier. They NYC mayoral race is like no other, and Zohran Mamdani's Democratic primary win is a win like no other. The establishment fears him; the political class has been trying to stop him, and with good reason. Zohran is a populist who seems to actually be a man of the people! Not many saw him coming, because no one would bet that voters could find someone with genuine merit. Credit should go to ranked choice voting's ability to sift out the individual voter's judgement away from the rankest choice, Andrew Cuomo. As Donald K. Trump famously said of his bombing of Iran, “I came, I saw, I conquered”. Lately though, Trump's been quoted, “Whether 'tis nobler in the mind to suffer the slings and arrows of outrageous fortune, or to take arms against a sea of troubles and by opposing end them?” (He might have picked up that quote elsewhere.) Is Emil Bove the most unethical judicial nominee in modern history? Or is the real sinner the whistleblower who snitched on him? If Trump is infallible, perceiving his actions as failures is heresy, and threatening him is blasphemy, and the whole idea of ethics and morality is open to discussion. HUD likes the National Science Foundation headquarters, so they are throwing out 1,800 employees. Maybe they'll locate affordable housing for them. At least you won't see Big Balls hanging out around DC… unless you mistake him for JD Vance.

In this inspiring episode of Investing with Purpose, we sit down with Russell Hughes, a humble IHG member, creative force in the game development world, and faith-driven real estate investor. From a childhood shaped by a "starving artist" father and hard life lessons, to building successful gaming companies and getting his hands dirty flipping HUD homes, Russell's journey is anything but conventional.We explore how faith pulled him back from wayward paths, how he brings purpose into the work he does today, and how he's navigating the early stages of real estate investing with spiritual clarity. This episode is a powerful testament to aligning your calling with your career, and how ethical investing is not just possible—but purposeful.TakeawaysInvesting should reflect personal beliefs and values.Many Christians consider the ethical implications of their investments.Financial advisors play a crucial role in aligning investments with faith.Return and safety are important, but not the only factors.Ethical investments can lead to better alignment with core beliefs.Navigating ethical dilemmas is essential for faith-based investing.Investors should seek advisors who understand their values.Values-based investing can enhance personal fulfillment.Financial planning should incorporate ethical considerations.Investing wisely involves a holistic view of one's beliefs.TitlesFaith Meets Finance: A New Approach to InvestingInvesting with Integrity: Aligning Values and WealthChapters00:00 Introduction to Faith-Driven Investing01:21 Early Influences and Family Background03:02 Turning Points and Lessons Learned05:34 Faith and Values in Financial Decisions07:14 Purposeful Investments and Impact08:08 Navigating Profits vs. Principles10:29 Legacy and Wealth Transfer13:51 Community and Mentorship in Investing16:05 Dream Investments and Future Aspirations26:59 New ChapterRussell was born Texas to a loving mom and Starving Artist father who passed away when he was a young teen. After years of wayward living, Russell worked his way into the Game Development Industry and worked on several number 1 titles as well as helped start several game companies. Early on, he started buying HUD homes to do the slow flip while living in them. Russell notes that, along the way, God was not letting him slip away, He has always called him back into discipline no matter how much he strayed. He is amazing.Email: russsssman@gmail.comLinkedIn: linkedin.com/in/russellhughesIG: @russelllhughesConnect with UsAre you interested in joining a community of like-minded individuals who aspire to build true wealth through real estate passive investing? Go to IHG Investor Club to learn more!

In today's episode of Uncontested Investing, we dig into one of the most powerful tools at your disposal as a real estate investor: data. It's not just about crunching numbers, it's about making smarter, faster, more strategic decisions in a market where the margin for error is razor-thin.   We break down how investors can use both free and paid data tools to spot trends, find deals, set optimal rental rates, and avoid costly mistakes. From migration patterns to ZIP-code-based labor rates, they share real-world ways to let data guide your portfolio growth.    If you're still relying on your gut, this episode is your wake-up call.   Key Talking Points of the Episode   00:00 Introduction 01:16 What patterns tell us (vacancy, rent shifts, migration) 02:34 How market influences can change your buy box and strategies 04:03 Property-type trends and market adaptability 05:35 Free tools: Zillow, Redfin, Rentometer, Census.gov, HUD 07:20 Paid tools: CoStar, PropStream, Roofstock, AirDNA, Dwelling 09:22 Local tools: Agents, REIAs, county offices 11:02 How data can help you identify emerging markets 12:01 Avoiding emotional buying with consistent criteria 13:03 The cost of ignoring data: overpaying for properties 15:06 Analysis paralysis: when too much data kills the deal 17:00 Why you need to use data alerts as an investor 18:14 Weekly rent comps and rent optimization 19:31 Balancing rental increases with tenant retention 20:23 Manual tracking: using spreadsheets for micro-market analysis   Quotables   “Use the data to take emotion out of it. You'll never get a wrong answer when math is leading the way.”   “Census.gov will smack you in the face with the truth. It's not customizable—it's real.”   “One bad deal early can drive a new investor right out of the game. Data helps you avoid that.”   Links   RCN Capital https://www.rcncapital.com/podcast https://www.instagram.com/rcn_capital/ info@rcncapital.com   REI INK https://rei-ink.com/

"EDITH HEAD: OLD HOLLYWOOD'S QUEEN OF FASHION" (093) EPISODE 93 -  6/23/25 With eight Academy Awards to her name — more than any other woman in history — EDITH HEAD wasn't just a costume designer; she was a storyteller in fabric, silhouette, and sparkle. From BETTE DAVIS to GRACE KELLY to AUDREY HEPBURN, she dressed the biggest stars of the silver screen, leaving an indelible mark on both fashion and film. In this episode, we explore how a shy schoolteacher became the most powerful woman in Hollywood wardrobes, her collaborations with iconic directors like Alfred Hitchcock, and how her designs helped shape characters, define eras, and influence fashion far beyond the studio lot. So, slip into something fabulous, and let's step behind the curtain into the life and legacy of the great Edith Head. SHOW NOTES:  Sources: Dressing Up The Stars: The Story of Movie Costume Designer Edith Head (12022), by Jeanne Walker Harvey;  Edith Head: The 50 Year Career of Hollywood's Greatest Costume Designer (2010), by Jay Jorgensen; Edith Head: The Life and Times of Hollywood's Celebrated Costume Designer (2003), by David Chierichetti; Edith Head's Hollywood (1983), by Edith Head; The Dress Doctor (1959), by Edith Head; “How To Dress For the Oscars,” February 11, 2015, ⁠www.oscars.com⁠; Wikipedia.com; TCM.com; IBDB.com; IMDBPro.com; Movies Mentioned:  Wings (1927); The Saturday Night Kid (1929); Love Me Tonight (1932); She Done Him Wrong (1933); Little Miss Marker (1934); Rhythm on the Range (1936); College Holiday (1936); The Jungle Princess (1936); Internes Can't Take Money (1937); The Big Broadcast of 1938 (1938); Thanks for the Memories (1938); Mad about Music (1938); Dangerous To Know (1938);  Beau Geste (1939); Remember the Night (1939); The Cat and the Canary (1939);  The Lady Eve (1941); Sullivan's Travels (1941); The Glass Key (1942); I Married a Witch (1942); Star Spangled Rhythm (1942); Hold That Blonde (1945); The Blue Dahlia (1946); Holiday Inn (1942); The Uninvited (1944); Double Indemnity (1944); Incendiary Blonde (1945); To Each His Own (1946); The Strange Love of Martha Ivers (1946); A Connecticut Yankee in King Arthur's Court (1949); The Great Gatsby (1949);  Notorious (1946); The Emperor's Waltz (1948); The Heiress (1949); All About Eve (1950); Sunset Boulevard (1950); Samson & Delilah (1949); A Place in the Sun (1951); Roman Holiday (1953); Sabrina (1954);  Funny Face (1957); Rear Window (1954); To Catch a Thief (1955); The Trouble With Harry (1955); The Man Who Knew Too Much (1956); Vertigo (1958); Ace In the Hole (1951); The Greatest Show on Earth (1952); Shane (1953); White Christmas (1954);  The Rose Tattoo (1955); The Rainmaker (1956); The Ten Commandments (1957); Loving You (1958); The Pink Panther (1963); A Shot In the Dark (1964); The Man Who Shot Liberty Valance (1963); Love With the Proper Stranger (1963); Sex and the Single Girl (1964); Inside Daisy Clover (1965); The Great Race (1965);  Penelope (1966); This Property is Condemned (1966); G.I. Blues (1960);  Blue Hawaii (1961);  Girls! Girls! Girls! (1962);  Fun In Acapulco (1963);  Roustabout (1964); Paradise Hawaiian Style (1966); What a Way to Go! (1964); Sweet Charity (1969); Summer and Smoke (1961);  Hud (1963); The Birds (1963); Harlow (1965); Barefoot in the Park (1967); Butch Cassidy & the Sundance Kid (1969); Topaz (1969); Airport (1970); Airport ‘75 (1974); Airport ‘77 (1977); Myra Breckenridge (1970); Lady Sings The Blues (1972); The Sting (1974); The Great Waldo Pepper (1975);,  The Man Who Would Be King (1976);  Family Plot (1976); Gable and Lombard (1976); W.C. Fields and Me (1976); Rooster Cogburn (1975); Sextette (1978); Dead Men Don't Wear Plaid (1982); --------------------------------- ⁠http://www.airwavemedia.com⁠ Please contact ⁠sales@advertisecast.com⁠ if you would like to advertise on our podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Beyond the Resume Podcast with Sheri Thompson (Stumbling into Real Estate Executive)

On Friday's show: After last May's derecho and then Hurricane Beryl in July, it seemed reasonable to expect some disaster aid from the federal government. So, why has the way the city spends these particular funds been controversial?Also this hour: Saturday is Make Music Day here in Houston and in more 2,000 cities worldwide. In anticipation, we talk with some folks behind some performances around the city, including a free concert from Dacamera at the Menil Collection inspired by the works of artist Rene Magritte. Flutist Hunter O'Brien gives us a preview.Then, from Fort Bend County Judge KP George announcing he's running for a third term — but this time as a Republican -- to a mongoose that escaped from a wildlife park being safety captured after he turned up at a local pub, we break down The Good, The Bad, and The Ugly of the week.And just when you thought it was safe to go back in the water, we explore the cultural impact of the movie Jaws 50 years after its release and offer a glimpse at what life was like along the coast in Galveston at the time.

In this episode, Laura Desiree joins Seggs Talk Radio to discuss her multifaceted career in sex work, burlesque performance, and erotic writing. She shares her journey from being a Naked News anchor to becoming an intimacy coordinator for film and television. The conversation delves into topics such as the societal stigma surrounding sex work, the impact of erotic content in movies, and the challenges of maintaining sexual authenticity. Desiree also talks about her show 'Aero Unbound,' where she invites writers and the audience to share their intimate stories. The discussion touches on the importance of embracing both the highs and lows of life, the dynamics of hookup culture, and the nuances of male vulnerability. Throughout, Desiree emphasizes the need to break free from traditional taboos and explore sexual expression openly and authentically.EPISODE THEMES

[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

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

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

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

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.

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

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/

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.

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.