Podcasts about Hud

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

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

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

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

Bismillah,1902. SEMUA AKAN MENGHADAPI & MENYAKSIKANNYARiyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Allah Subhanahu wa Ta'ala berfirman,وَكَذَٰلِكَ أَخْذُ رَبِّكَ إِذَآ أَخَذَ ٱلْقُرَىٰ وَهِىَ ظَٰلِمَةٌ ۚ إِنَّ أَخْذَهُۥٓ أَلِيمٌ شَدِيدٌ102. Dan begitulah azab Tuhanmu, apabila Dia mengazab penduduk negeri-negeri yang berbuat zalim. Sesungguhnya azab-Nya itu adalah sangat pedih lagi keras.إِنَّ فِى ذَٰلِكَ لَءَايَةً لِّمَنْ خَافَ عَذَابَ ٱلْءَاخِرَةِ ۚ ذَٰلِكَ يَوْمٌ مَّجْمُوعٌ لَّهُ ٱلنَّاسُ وَذَٰلِكَ يَوْمٌ مَّشْهُودٌ103. Sesungguhnya pada yang demikian itu benar-benar terdapat pelajaran bagi orang-orang yang takut kepada azab akhirat. Hari kiamat itu adalah suatu hari yang semua manusia dikumpulkan untuk (menghadapi)nya, dan hari itu adalah suatu hari yang disaksikan (oleh segala makhluk).وَمَا نُؤَخِّرُهُۥٓ إِلَّا لِأَجَلٍ مَّعْدُودٍ104. Dan Kami tiadalah mengundurkannya, melainkan sampai waktu yang tertentu.يَوْمَ يَأْتِ لَا تَكَلَّمُ نَفْسٌ إِلَّا بِإِذْنِهِۦ ۚ فَمِنْهُمْ شَقِىٌّ وَسَعِيدٌ105. Di kala datang hari itu, tidak ada seorangun yang berbicara, melainkan dengan izin-Nya; maka di antara mereka ada yang celaka dan ada yang berbahagia.فَأَمَّا ٱلَّذِينَ شَقُوا۟ فَفِى ٱلنَّارِ لَهُمْ فِيهَا زَفِيرٌ وَشَهِيقٌ106. Adapun orang-orang yang celaka, maka (tempatnya) di dalam neraka, di dalamnya mereka mengeluarkan dan menarik nafas (dengan merintih),(QS. Hud: 102-106)

Bismillah,1898. JANGAN MEREMEHKAN AZAB ALLAHﷻRiyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Allah Subhanahu wa Ta'ala berfirman,وَكَذَٰلِكَ أَخْذُ رَبِّكَ إِذَآ أَخَذَ ٱلْقُرَىٰ وَهِىَ ظَٰلِمَةٌ ۚ إِنَّ أَخْذَهُۥٓ أَلِيمٌ شَدِيدٌ102. Dan begitulah azab Tuhanmu, apabila Dia mengazab penduduk negeri-negeri yang berbuat zalim. Sesungguhnya azab-Nya itu adalah sangat pedih lagi keras.إِنَّ فِى ذَٰلِكَ لَءَايَةً لِّمَنْ خَافَ عَذَابَ ٱلْءَاخِرَةِ ۚ ذَٰلِكَ يَوْمٌ مَّجْمُوعٌ لَّهُ ٱلنَّاسُ وَذَٰلِكَ يَوْمٌ مَّشْهُودٌ103. Sesungguhnya pada yang demikian itu benar-benar terdapat pelajaran bagi orang-orang yang takut kepada azab akhirat. Hari kiamat itu adalah suatu hari yang semua manusia dikumpulkan untuk (menghadapi)nya, dan hari itu adalah suatu hari yang disaksikan (oleh segala makhluk).وَمَا نُؤَخِّرُهُۥٓ إِلَّا لِأَجَلٍ مَّعْدُودٍ104. Dan Kami tiadalah mengundurkannya, melainkan sampai waktu yang tertentu.يَوْمَ يَأْتِ لَا تَكَلَّمُ نَفْسٌ إِلَّا بِإِذْنِهِۦ ۚ فَمِنْهُمْ شَقِىٌّ وَسَعِيدٌ105. Di kala datang hari itu, tidak ada seorangun yang berbicara, melainkan dengan izin-Nya; maka di antara mereka ada yang celaka dan ada yang berbahagia.فَأَمَّا ٱلَّذِينَ شَقُوا۟ فَفِى ٱلنَّارِ لَهُمْ فِيهَا زَفِيرٌ وَشَهِيقٌ106. Adapun orang-orang yang celaka, maka (tempatnya) di dalam neraka, di dalamnya mereka mengeluarkan dan menarik nafas (dengan merintih),(QS. Hud: 102-106)

Bismillah,1900. CLUELESS SAAT DIAZAB ALLAH ﷻRiyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Allah Subhanahu wa Ta'ala berfirman,وَكَذَٰلِكَ أَخْذُ رَبِّكَ إِذَآ أَخَذَ ٱلْقُرَىٰ وَهِىَ ظَٰلِمَةٌ ۚ إِنَّ أَخْذَهُۥٓ أَلِيمٌ شَدِيدٌ102. Dan begitulah azab Tuhanmu, apabila Dia mengazab penduduk negeri-negeri yang berbuat zalim. Sesungguhnya azab-Nya itu adalah sangat pedih lagi keras.إِنَّ فِى ذَٰلِكَ لَءَايَةً لِّمَنْ خَافَ عَذَابَ ٱلْءَاخِرَةِ ۚ ذَٰلِكَ يَوْمٌ مَّجْمُوعٌ لَّهُ ٱلنَّاسُ وَذَٰلِكَ يَوْمٌ مَّشْهُودٌ103. Sesungguhnya pada yang demikian itu benar-benar terdapat pelajaran bagi orang-orang yang takut kepada azab akhirat. Hari kiamat itu adalah suatu hari yang semua manusia dikumpulkan untuk (menghadapi)nya, dan hari itu adalah suatu hari yang disaksikan (oleh segala makhluk).وَمَا نُؤَخِّرُهُۥٓ إِلَّا لِأَجَلٍ مَّعْدُودٍ104. Dan Kami tiadalah mengundurkannya, melainkan sampai waktu yang tertentu.يَوْمَ يَأْتِ لَا تَكَلَّمُ نَفْسٌ إِلَّا بِإِذْنِهِۦ ۚ فَمِنْهُمْ شَقِىٌّ وَسَعِيدٌ105. Di kala datang hari itu, tidak ada seorangun yang berbicara, melainkan dengan izin-Nya; maka di antara mereka ada yang celaka dan ada yang berbahagia.فَأَمَّا ٱلَّذِينَ شَقُوا۟ فَفِى ٱلنَّارِ لَهُمْ فِيهَا زَفِيرٌ وَشَهِيقٌ106. Adapun orang-orang yang celaka, maka (tempatnya) di dalam neraka, di dalamnya mereka mengeluarkan dan menarik nafas (dengan merintih),(QS. Hud: 102-106)

Bismillah,1899. TERLIHAT SEPERTI NIKMAT, TERNYATA AZABRiyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Allah Subhanahu wa Ta'ala berfirman,وَكَذَٰلِكَ أَخْذُ رَبِّكَ إِذَآ أَخَذَ ٱلْقُرَىٰ وَهِىَ ظَٰلِمَةٌ ۚ إِنَّ أَخْذَهُۥٓ أَلِيمٌ شَدِيدٌ102. Dan begitulah azab Tuhanmu, apabila Dia mengazab penduduk negeri-negeri yang berbuat zalim. Sesungguhnya azab-Nya itu adalah sangat pedih lagi keras.إِنَّ فِى ذَٰلِكَ لَءَايَةً لِّمَنْ خَافَ عَذَابَ ٱلْءَاخِرَةِ ۚ ذَٰلِكَ يَوْمٌ مَّجْمُوعٌ لَّهُ ٱلنَّاسُ وَذَٰلِكَ يَوْمٌ مَّشْهُودٌ103. Sesungguhnya pada yang demikian itu benar-benar terdapat pelajaran bagi orang-orang yang takut kepada azab akhirat. Hari kiamat itu adalah suatu hari yang semua manusia dikumpulkan untuk (menghadapi)nya, dan hari itu adalah suatu hari yang disaksikan (oleh segala makhluk).وَمَا نُؤَخِّرُهُۥٓ إِلَّا لِأَجَلٍ مَّعْدُودٍ104. Dan Kami tiadalah mengundurkannya, melainkan sampai waktu yang tertentu.يَوْمَ يَأْتِ لَا تَكَلَّمُ نَفْسٌ إِلَّا بِإِذْنِهِۦ ۚ فَمِنْهُمْ شَقِىٌّ وَسَعِيدٌ105. Di kala datang hari itu, tidak ada seorangun yang berbicara, melainkan dengan izin-Nya; maka di antara mereka ada yang celaka dan ada yang berbahagia.فَأَمَّا ٱلَّذِينَ شَقُوا۟ فَفِى ٱلنَّارِ لَهُمْ فِيهَا زَفِيرٌ وَشَهِيقٌ106. Adapun orang-orang yang celaka, maka (tempatnya) di dalam neraka, di dalamnya mereka mengeluarkan dan menarik nafas (dengan merintih),(QS. Hud: 102-106)

Bismillah,1901. HANYA MEREKA YANG BISA MENGAMBIL PELAJARANRiyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Allah Subhanahu wa Ta'ala berfirman,وَكَذَٰلِكَ أَخْذُ رَبِّكَ إِذَآ أَخَذَ ٱلْقُرَىٰ وَهِىَ ظَٰلِمَةٌ ۚ إِنَّ أَخْذَهُۥٓ أَلِيمٌ شَدِيدٌ102. Dan begitulah azab Tuhanmu, apabila Dia mengazab penduduk negeri-negeri yang berbuat zalim. Sesungguhnya azab-Nya itu adalah sangat pedih lagi keras.إِنَّ فِى ذَٰلِكَ لَءَايَةً لِّمَنْ خَافَ عَذَابَ ٱلْءَاخِرَةِ ۚ ذَٰلِكَ يَوْمٌ مَّجْمُوعٌ لَّهُ ٱلنَّاسُ وَذَٰلِكَ يَوْمٌ مَّشْهُودٌ103. Sesungguhnya pada yang demikian itu benar-benar terdapat pelajaran bagi orang-orang yang takut kepada azab akhirat. Hari kiamat itu adalah suatu hari yang semua manusia dikumpulkan untuk (menghadapi)nya, dan hari itu adalah suatu hari yang disaksikan (oleh segala makhluk).وَمَا نُؤَخِّرُهُۥٓ إِلَّا لِأَجَلٍ مَّعْدُودٍ104. Dan Kami tiadalah mengundurkannya, melainkan sampai waktu yang tertentu.يَوْمَ يَأْتِ لَا تَكَلَّمُ نَفْسٌ إِلَّا بِإِذْنِهِۦ ۚ فَمِنْهُمْ شَقِىٌّ وَسَعِيدٌ105. Di kala datang hari itu, tidak ada seorangun yang berbicara, melainkan dengan izin-Nya; maka di antara mereka ada yang celaka dan ada yang berbahagia.فَأَمَّا ٱلَّذِينَ شَقُوا۟ فَفِى ٱلنَّارِ لَهُمْ فِيهَا زَفِيرٌ وَشَهِيقٌ106. Adapun orang-orang yang celaka, maka (tempatnya) di dalam neraka, di dalamnya mereka mengeluarkan dan menarik nafas (dengan merintih),(QS. Hud: 102-106)

Major layoffs at the U.S. Department of Housing and Urban Development could leave millions of federally subsidized housing units without adequate inspection or oversight. Kathy Fettke explains how the shutdown and staff cuts at HUD's Real Estate Assessment Center are raising safety, compliance, and investment concerns nationwide. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://www.bisnow.com/national/news/affordable-housing/hud-layoffs-leave-affordable-housing-exposed-to-increased-risks-131416  

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

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

Bismillah,1895. ALLAH ﷻ MENGANCAM ORANG YANG ZHALIMRiyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Riyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Allah Subhanahu wa Ta'ala berfirman,وَكَذَٰلِكَ أَخْذُ رَبِّكَ إِذَآ أَخَذَ ٱلْقُرَىٰ وَهِىَ ظَٰلِمَةٌ ۚ إِنَّ أَخْذَهُۥٓ أَلِيمٌ شَدِيدٌ102. Dan begitulah azab Tuhanmu, apabila Dia mengazab penduduk negeri-negeri yang berbuat zalim. Sesungguhnya azab-Nya itu adalah sangat pedih lagi keras.إِنَّ فِى ذَٰلِكَ لَءَايَةً لِّمَنْ خَافَ عَذَابَ ٱلْءَاخِرَةِ ۚ ذَٰلِكَ يَوْمٌ مَّجْمُوعٌ لَّهُ ٱلنَّاسُ وَذَٰلِكَ يَوْمٌ مَّشْهُودٌ103. Sesungguhnya pada yang demikian itu benar-benar terdapat pelajaran bagi orang-orang yang takut kepada azab akhirat. Hari kiamat itu adalah suatu hari yang semua manusia dikumpulkan untuk (menghadapi)nya, dan hari itu adalah suatu hari yang disaksikan (oleh segala makhluk).وَمَا نُؤَخِّرُهُۥٓ إِلَّا لِأَجَلٍ مَّعْدُودٍ104. Dan Kami tiadalah mengundurkannya, melainkan sampai waktu yang tertentu.يَوْمَ يَأْتِ لَا تَكَلَّمُ نَفْسٌ إِلَّا بِإِذْنِهِۦ ۚ فَمِنْهُمْ شَقِىٌّ وَسَعِيدٌ105. Di kala datang hari itu, tidak ada seorangun yang berbicara, melainkan dengan izin-Nya; maka di antara mereka ada yang celaka dan ada yang berbahagia.فَأَمَّا ٱلَّذِينَ شَقُوا۟ فَفِى ٱلنَّارِ لَهُمْ فِيهَا زَفِيرٌ وَشَهِيقٌ106. Adapun orang-orang yang celaka, maka (tempatnya) di dalam neraka, di dalamnya mereka mengeluarkan dan menarik nafas (dengan merintih),(QS. Hud: 102-106)

Bismillah,1896. ALLAH ﷻ HANYA MENUNDA, TAPI ALLAH ﷻ TIDAK LUPARiyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Allah Subhanahu wa Ta'ala berfirman,وَكَذَٰلِكَ أَخْذُ رَبِّكَ إِذَآ أَخَذَ ٱلْقُرَىٰ وَهِىَ ظَٰلِمَةٌ ۚ إِنَّ أَخْذَهُۥٓ أَلِيمٌ شَدِيدٌ102. Dan begitulah azab Tuhanmu, apabila Dia mengazab penduduk negeri-negeri yang berbuat zalim. Sesungguhnya azab-Nya itu adalah sangat pedih lagi keras.إِنَّ فِى ذَٰلِكَ لَءَايَةً لِّمَنْ خَافَ عَذَابَ ٱلْءَاخِرَةِ ۚ ذَٰلِكَ يَوْمٌ مَّجْمُوعٌ لَّهُ ٱلنَّاسُ وَذَٰلِكَ يَوْمٌ مَّشْهُودٌ103. Sesungguhnya pada yang demikian itu benar-benar terdapat pelajaran bagi orang-orang yang takut kepada azab akhirat. Hari kiamat itu adalah suatu hari yang semua manusia dikumpulkan untuk (menghadapi)nya, dan hari itu adalah suatu hari yang disaksikan (oleh segala makhluk).وَمَا نُؤَخِّرُهُۥٓ إِلَّا لِأَجَلٍ مَّعْدُودٍ104. Dan Kami tiadalah mengundurkannya, melainkan sampai waktu yang tertentu.يَوْمَ يَأْتِ لَا تَكَلَّمُ نَفْسٌ إِلَّا بِإِذْنِهِۦ ۚ فَمِنْهُمْ شَقِىٌّ وَسَعِيدٌ105. Di kala datang hari itu, tidak ada seorangun yang berbicara, melainkan dengan izin-Nya; maka di antara mereka ada yang celaka dan ada yang berbahagia.فَأَمَّا ٱلَّذِينَ شَقُوا۟ فَفِى ٱلنَّارِ لَهُمْ فِيهَا زَفِيرٌ وَشَهِيقٌ106. Adapun orang-orang yang celaka, maka (tempatnya) di dalam neraka, di dalamnya mereka mengeluarkan dan menarik nafas (dengan merintih),(QS. Hud: 102-106)

Bismillah,1897. CARA ALLAH ﷻ MENGAZABRiyaadhush Shaalihiin Bab 50 | Rasa Takut (Kepada Allah ﷻ)QS. Hud: 102-106Allah Subhanahu wa Ta'ala berfirman,وَكَذَٰلِكَ أَخْذُ رَبِّكَ إِذَآ أَخَذَ ٱلْقُرَىٰ وَهِىَ ظَٰلِمَةٌ ۚ إِنَّ أَخْذَهُۥٓ أَلِيمٌ شَدِيدٌ102. Dan begitulah azab Tuhanmu, apabila Dia mengazab penduduk negeri-negeri yang berbuat zalim. Sesungguhnya azab-Nya itu adalah sangat pedih lagi keras.إِنَّ فِى ذَٰلِكَ لَءَايَةً لِّمَنْ خَافَ عَذَابَ ٱلْءَاخِرَةِ ۚ ذَٰلِكَ يَوْمٌ مَّجْمُوعٌ لَّهُ ٱلنَّاسُ وَذَٰلِكَ يَوْمٌ مَّشْهُودٌ103. Sesungguhnya pada yang demikian itu benar-benar terdapat pelajaran bagi orang-orang yang takut kepada azab akhirat. Hari kiamat itu adalah suatu hari yang semua manusia dikumpulkan untuk (menghadapi)nya, dan hari itu adalah suatu hari yang disaksikan (oleh segala makhluk).وَمَا نُؤَخِّرُهُۥٓ إِلَّا لِأَجَلٍ مَّعْدُودٍ104. Dan Kami tiadalah mengundurkannya, melainkan sampai waktu yang tertentu.يَوْمَ يَأْتِ لَا تَكَلَّمُ نَفْسٌ إِلَّا بِإِذْنِهِۦ ۚ فَمِنْهُمْ شَقِىٌّ وَسَعِيدٌ105. Di kala datang hari itu, tidak ada seorangun yang berbicara, melainkan dengan izin-Nya; maka di antara mereka ada yang celaka dan ada yang berbahagia.فَأَمَّا ٱلَّذِينَ شَقُوا۟ فَفِى ٱلنَّارِ لَهُمْ فِيهَا زَفِيرٌ وَشَهِيقٌ106. Adapun orang-orang yang celaka, maka (tempatnya) di dalam neraka, di dalamnya mereka mengeluarkan dan menarik nafas (dengan merintih),(QS. Hud: 102-106)

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

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

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

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

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

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

On this week's Labor Radio Podcast Weekly: Working People — Max Alvarez follows up with two HUD whistleblowers who were fired after going public; our clip captures them describing how they watched officials “continue to dismantle fair housing” from the inside. The Labor Show (with J-Doc & Krausey) — FOP Lodge 5 President Roosevelt Poplar talks tech and accountability; in our excerpt, he explains how body cams protect officers: “If someone makes a complaint…we have it on video.” Stick Together — On-the-ground from Melbourne, security guards at hospitals and public housing rally for safety and pay; our cut features UWU's blunt message: disrespect guards and you disrespect residents. My Labor Radio — NYC Building Trades leader Gary LaBarbera on PBS's Hard Hat Riot and union identity; “You go to work, you work hard, you don't want anything for free.” Third & Fairfax (WGAW) — Filmmaker Susie Singer Carter on No Country for Old People and exposing elder abuse. Help us build sonic solidarity by clicking on the share button below. Highlights from labor radio and podcast shows around the country, part of the national Labor Radio Podcast Network of shows focusing on working people's issues and concerns. @WorkingPod @stick__together @mgevaart @WGAWest#LaborRadioPod @AFLCIO Edited by Patrick Dixon, produced by Chris Garlock; social media guru Mr. Harold Phillips.

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

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

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

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

Last month, the U.S. Census Bureau released the American Community Survey (ACS) data for 2024. In this episode of Tax Credit Tuesday, Michael Novogradac, CPA, and Novogradac partner Thomas Stagg, CPA, discuss the significance of the data. Stagg uses ACS data to create robust estimates as to what income and rent limits are likely to be in most areas when the U.S. Department of Housing and Urban Development (HUD) announces them next April. The pair start off by reviewing the various data points that affect the estimates, and Stagg shares his view as to what the 2026 year-over-year increases in rent and income limits will likely be for various areas. Finally, Novogradac and Stagg talk about the upcoming data releases that will help refine his estimates.

The city of Vancouver has opened applications for 2026 federal housing and economic development funds, totaling about $1.9 million through HUD's CDBG, HOME, and HOME-ARP programs. The city expects $1.6 million for housing and $300,000 for microenterprise support, with pre-applications due Oct. 31. https://www.clarkcountytoday.com/news/applications-open-for-2026-cdbg-home-and-home-arp-funds/ #Vancouver #HUD #HousingPrograms #CommunityGrants #EconomicDevelopment #CDBG #HOME #AffordableHousing #PublicFunding #VancouverCityHall

October opens with a harvest moon and a head fake: government shutdown, Swifties drop an album, Bitcoin rips to ATH, and the NYSE's parent plunks billions into Polymarket while Texas files its own exchange—hello, Y'all Street. Meanwhile OpenAI's Sora goes full consumer: scan your face, set who can use it, and welcome to NIL as a setting (name, image, likeness → name, image, liquidity). Influencers say “derivatize me,” Hollywood panics (hi, Tilly Norwood), and Apple quietly turns your phone into a sats rail as Meta straps a HUD on your eyeballs. Result: the creator economy smashes into Web3—your avatar is the asset, the meme is the market, and even the stock exchange is betting on truth. Buckle up; Q4's gonna grade everything—human, AI, or somewhere deliciously in between.

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

Building Official Rita Anderson interviews Director Jim Hightower of the Manufactured Housing, Modular, and Licensing section within the State of Tennessee's Department of Commerce and Insurance. Jim expands upon the popular term "tiny home" and shares the distinct differences between manufactured and modular housing, along with the federal and state standards that apply. Rita and Jim share what options are available for property owners and contractors within the State of Tennessee and what code standards the different housing types.This episode is the first in a two-part series focused on tiny homes and manufactured and modular housing in Memphis and Shelby County.Have questions for Rita or Jim? Email them to buildingbeat@memphistn.gov, and you'll get an answer on a future episode. 

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

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

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

Today's edition is sponsored by the Ragged Mountain Running and Walking ShopSeptember 30 is the final day of the federal fiscal New Year and one version of today's Charlottesville Community Engagement could perhaps have been about how this region might be affected by a federal shutdown. Each edition of this newsletter could be a lot of different things, but what gets selected is usually a matter of what is available for me to write.I'm Sean Tubbs and for a story on the looming shutdown, I refer you to the Virginia Political Newsletter by my colleague Brandon Jarvis.In today's installment:* Albemarle Supervisors have endorsed their legislative priorities for the 2026 General Assembly while Charlottesville City Council is still working on theirs* Jaunt turns 50 this year and is seeking stories from riders* Albemarle Supervisors get a progress report on climate action initiatives including where $522K in spending will go this fiscal yearThanks for reading Charlottesville Community Engagement ! This post is public so feel free to share it.First shout-out: A Week Without DrivingHow different would your life be if you didn't have a car? From Monday, September 29 to Sunday October 5, Livable Cville invites you to join the local Week Without Driving experience. The goal is to learn more about barriers and challenges that nondrivers face in our community and to reflect on the challenges you would face as a full-time non-driver.There are many reasons why people do not drive, including people with disabilities, youth, seniors and those who can't afford vehicles or gas. A third of people living in the United States do not have a driver's license, but are forced to navigate a mobility system designed almost exclusively for drivers.Livable Cville expects the Week Without Driving experience will help participants better appreciate the challenges and barriers they face. For more information and to register your participation, please visit: https://livablecville.org/weekwithoutdrivingLocal elected officials preparing for 2026 General AssemblyThere are over a hundred days left until the 2026 session of the Virginia General Assembly and less than two months until legislators can begin to pre-file bills.Across Virginia, localities are determining what priorities they would like to see turned into legislation.At their meeting on September 15, Charlottesville City Council went through a long list of suggestions from the Planning Commission, the Human Rights Commission, and the Office of Sustainability.“Energy prices are going up,” said Kristel Riddervold, the city's sustainability director. “Legislative priorities related to expanding distributed energy, meaning solar, all over the place in different ways.”Riddervold said city priorities are for the Virginia General Assembly to maintain the 2020 Virginia Clean Economy Act, full funding for the Virginia Clean Energy Innovation Bank, and reform of rules for construction of data centers. You can see the full list here.The Human Rights Commission submitted a three page list including a request for legislation for expanded rights for those who rent, a request for localities to have right of first refusal to purchase supported housing units, and a $60 million state fund for housing assistance to support 5,000 families. Another legislative request is to require all Virginia localities to maintain a public homeless shelter. You can view this list here.Vice Mayor Brian Pinkston said many of those ideas seem very aspirational and may not take into account political realities.“The one that says here, ‘require that each county and city in Virginia maintain a public overnight homeless shelter or fund a private equivalent,'” Pinkston said. “I mean, that would be lovely because we're, we're doing this. I have a sense for neighboring counties and communities, the work that we're doing here. But does that have any hope of being passed?””City Councilor Michael Payne said many of the Human Rights Commission's requests are part of statewide efforts and many of the aspirations could get through depending on who holds the majority in 2026.“There definitely [are] some that potentially I think really could get passed this year, including like the 5,000 family funds or first right of refusal, but for example, the homeless shelter one you mentioned. I mean, I would feel. I think we could all feel confident saying there's no chance that passes this year.”The Planning Commission submitted a list of 15 potential pieces of legislation. The first addresses the section of state code that is at the heart of the lawsuit against the city's zoning code. Number six is a reintroduction of failed legislation that would allow localities to tax land and improvements at different rates. (view the list)Council will have a further discussion on October 6 before adopting their legislative agenda on October 20.The Albemarle Board of Supervisors is a little further ahead and had the third of three work sessions at their meeting on September 17. Albemarle has four legislative priorities, three of which would involve legislation and the fourth being a budget amendment.“First, we're seeking as a priority enabling localities to enforce the Virginia Landlord Tenant Act,” said County Attorney Andy Herrick. “We're also carrying over from past years expanding the authority to use photo speed monitoring devices.Currently those are limited to road construction work zones and school zones and Albemarle wants to be able to use them on rural roads. Albemarle also wants the General Assembly to try again on legislation to allow localities to hold a referendum on whether to levy a one cent sales tax to fund school construction.“This is an initiative that has been sought in prior years, that's passed the Assembly and been vetoed by the Governor in the past two years,” Herrick said.The budget amendment relates to another item Governor Glenn Youngkin vetoed this year. The legislature's version of the budget had funding for a connector trail to connect Biscuit Run Park with the Monacon Indian Nation Tribute.Supervisors adopted their legislative priorities and the next step is to schedule a meeting with area legislators.To learn more about some of the statewide issues, read this story in the Virginia Mercury from Charlotte Rene Woods.Jaunt turns 50 this year and seeks travel storiesAs the Week Without Driving continues, one way people participating might get around is public transit. In addition to Charlottesville Area Transit, the region is served by Jaunt, a public service corporation that formed in 1975.To celebrate, Jaunt is asking people to submit their stories of using the service.“As we look back on 50 years of service, we know the most important part of Jaunt's story is the people we serve,” said Mike Murphy, Jaunt's Chief Executive Officer. “Our mission has always been rooted in community, care, and connection—and this anniversary is about celebrating the ways Jaunt has supported essential regional needs for mobility across generations.”Jaunt was created as Jefferson Area United Transportation but the acronym became the official name in 1983.Have a story from that time? Tell Jaunt at the website they've created.Second shout-out: Five Things ReLeaf has done recently!Time for a subscriber-supported shout-out, this time for ReLeaf Cville!* On April 21, ReLeaf Cville celebrated Arbor Day 2025 by talking with 40 fourth grade students at Greenbrier Elementary about the importance of urban tree canopy, and then planting a tree on the preschool playground* On April 25, the Van Yahres Tree Company donated time and energy to provide tree care to 45 trees ReLeaf planted in the Rose Hill Neighborhood, Fall 2023* On May 10 at RiverFest, Green Team members Moos and Antony joined Keith Pitchford, Board vice-chair, and Cathy Boyd, Executive Director, in providing information about ReLeaf Cville and playing Tree Bingo* In May, C-Ville Weekly profiled ReLeaf Cville's efforts to help homeowners turn their yards into leafy oases - and cool their neighborhoods.* The fourth annual Green Team session took place this week and was designed to equip rising 9th-12th graders in tree knowledge and tree care skills, this year's schedule includes sessions co-led by the Rivanna Conservation Alliance, Van Yahres Tree Company, Master Naturalists, Charlottesville Area Tree Stewards, Community Climate Collaborative, and Steve Gaines, Charlottesville's Urban Forester.Albemarle Supervisors briefed on Climate Action programs, $522K in FY2026 spendingFor the past eight years, the Albemarle County Board of Supervisors has been in support of efforts to monitor greenhouse gas emissions as part of an international bid to keep global temperatures from rising. For six years, though, a different set of elected officials opted out of the program.On September 17, 2025, the six elected officials got a briefing from staff on county and regional efforts to reduce emissions and adapt to a world of higher temperatures and more volatile storms. They were also briefed on how staff plans to use $300,000 the Board dedicated to the issue at the end of the FY2026 budget process as I reported at the time.Resources:* 44-page progress report from Albemarle staff* Slide presentation from the briefingBut first, some recent history.Recent historyIn June 1998, local leaders signed a document called the Sustainability Accords, a series of statements intended to solidify the work of several environmental groups working in the area. While climate action itself was not mentioned, the document called for the development of “attractive and economical transportation alternatives to single occupancy vehicle use” and called for the promotion of “conserv[e]ation and efficient use of energy resources.”In December 2007, Albemarle Supervisors voted to adopt a goal of reducing carbon emissions by 80 percent by the year 2050. At the time, Supervisor Ken Boyd voted for the “Cool Counties” initiative though he expressed concern about the potential impacts. (read a story I wrote then)In the years that followed, a group called the Jefferson Area Tea Party raised concerns about both the resolution and the county's membership in the International Council for Sustainability. The ICLEI group provided resources to measure greenhouse gas reductions and Boyd sought to end participation“We are being infiltrated in local government by an agenda that is set by this international organization,” Boyd said in early May 2011 as I reported at the time. “I think it's now a cancer that is infiltrating our local government here.”By that time, two other Republicans had joined the Board of Supervisors giving Boyd votes he needed to change direction. Democrat Lindsay Dorrier Jr. was a swing vote.Lane Auditorium was packed on the night of June 8, 2011 with some in the crowd defending sustainability efforts and continued participation in efforts to reduce greenhouse gas emissions. Members of the Tea Party claimed that civil liberties were being threatened.At the end of the meeting, Supervisors voted 4-2 to end participation in ICLEI as I reported at the time. Three months later, they ended participation in Cool Counties as reported in the Charlottesville Daily Progress.However, the Republican majority would come to an end in 2013 after Democratic candidates defeated Duane Snow in the Samuel Miller District and Rodney Thomas in the Rio District.Back on the jobIn September 2017, Supervisors voted to adopt a resolution to “support local actions to reduce climate pollution.”“In October 2019, the Board adopted greenhouse gas emissions reduction targets in line with the Paris Agreement,” said Jamie Powers, a county employee since 2023 who is now Albemarle's Climate Program Manager. “The next year, October 2020, the board adopted the Climate Action Plan and stood up the Climate Action Program to implement that plan and help get the community's emissions down in line with the board's targets.”The targets now call for a 45 percent in emissions reductions from 2008 levels by 2030 and to be carbon-free by 2050.Powers said emissions continue to climb across the world and the effects of climate change are here now as a present crisis rather than one for the future to deal with.“The impacts are generally going to be worse over time and increasingly unpredictable unless we can get global emissions under control,” Powers said. “And we do have a role to play locally.”Albemarle's reduction targets are in line with the Paris Agreement which set a framework to reduce emissions so that the increase in global warming could be kept below 2 degrees Celsius. The increase is now at 1.5 degrees.Powers said climate change itself is not the underlying problem.“It is a symptom of a set of problems,” Powers said. “This socioeconomic system that we have, it works exactly as designed and it brings us to a climate crisis and a biodiversity crisis and all these sorts of things. So if we are going to effectively address the climate crisis, we need to take a look at our systems and address things appropriately.”The models used by Albemarle and other local governments are complex and conform to the Global Protocol for Community-Scale Greenhouse Gas Emission Inventories. These are put together by ICLEI and emissions come from many source sectors.“The major sectors of emissions are transportation, stationary energy, and that includes solar,” said Greg Harper, Albemarle's chief of environmental services. “That would be kind of like reducing that stationary energy. Ag force and land use is a smaller contributor and then waste as well.”Albemarle resumed doing inventories in 2018 and Harper said emission levels dropped during COVID but increased for 2022. Data is about two years behind. Harper said reductions can be decreased many ways, such as if many groups can work together to reduce a metric known as “vehicle miles traveled.”“We don't want to stop activity in the county, obviously, but we want to shift people from driving a car by themselves to taking mass transportation, getting on their bicycle for smaller commutes,” Harper said.Powers said Albemarle has been active in many ways to encourage reductions such as supporting home energy improvements, providing “climate action activity kits” through a nonprofit, installing electric vehicle chargers, and creation of the Energy Resource Hub.Albemarle also provided several grants including $20,000 for the International Rescue Committee's New Roots farming program to allow them to electrify equipment and improve their agricultural practices.“If we break down some of the things that they were doing from their composting practice, we calculated that about 25 tons of carbon dioxide is sequestered by them using the composting practices,” Powers said. “About 5 tons of avoided emissions by removing synthetic fertilizers from their operations.”All told, Powers said about 38 tons of carbon dioxide emissions were prevented.Albemarle County is also collaborating with the City of Charlottesville and the University of Virginia on the Resilient Together initiative which seeks to create a resilience plan to adapt to a different weather pattern. That will come before the Planning Commission and the Board of Supervisors in early 2026.FY2026 fundingPowers also outlined a recommendation of how Albemarle might put that $300,000 to use, as well as another $222,000 in carry over funds for climate action.“The Board made it clear we wanted to emphasize projects that are going to get the most value in terms of emission reductions in FY26,” Powers said.The Residential Energy Improvements line item is intended to assist property owners with lower incomes and that $237,000 does not include another $150,000 the county received through the federal Community Development Block Grant program.“A lot of times, especially in low income households, energy is going out the window, literally,” Powers said. “And so how can we help those folks tighten up their envelopes so when they're turning the AC or the heat on, it's still staying in the home instead of heading out the window.”The Local Energy Alliance Partnership (LEAP) and the Albemarle Housing Improvement Program (AHIP) are partners on that project. Powers said the goal will be to reach up to 50 homes, decreasing emissions classified as “stationary” energy. He estimates the return on investment will be about $3,000 per ton of emissions prevented.Another $100,000 will be spent on energy efficiency in county-owned buildings.“Most likely implementation looks like LED installation, LED fixture installation, likely at two different buildings,” Powers said. “If we transition the equivalent of the space of Northside Library to those fixtures, we would reduce again in that stationary energy category, one of those four categories by 0.03 at $700 per ton and annually that'd be a 143 ton reduction.”Albemarle funded the Energy Resource Hub in FY2025 at the $100,000 level and an additional $63,000 for this year. This is a program that helps homeowners find rebates and other incentives.Partners have not yet been found for the Climate Action Collaboration initiative.For previous coverage on climate action issues, visit Information Charlottesville.Reading material for September 30, 2025* Whistleblowers accuse HUD of ‘systematically undermining' fair housing laws, Ryan Kushner, Multifamily Dive, September 25, 2025* HUD cuts multifamily mortgage insurance premiums, Julie Strupp, Multifamily Dive, September 26, 2025* Albemarle County to consider delay on data center ordinance, Jenette Hastings, WVIR 29NBC, September 28, 2025* Watershed mapping project shows rapid loss of forests, offers new view of Va.'s changing landscapes, Evan Visconti, September 29, 2025* Charlottesville's schools are old. Local officials are trying to change that, Brandon Kile, Cavalier Daily, September 29, 2025* Afton Scientific breaks ground on $200 million expansion in Albemarle, Kate Nuechterlein, September 29, 2025What's the ending, #929?Today I could not get moving. Something is off but my job is to bring people information. I picked up four new paid subscribers since posting the May 2025 transactions, and it is important to get out what I can.The story I wanted to tell today was an accounting of yesterday's traffic congestion caused by a truck hitting a bridge under construction that carries Old Ivy Road over the U.S. 250. I lack the resources to get such a story together but I have questions about whether such an incident is covered by emergency management officials in the area.There are so many stories I want to tell, and sometimes the best I can do is link to other people's coverage. Here's a story from VPM. Here's one from 29NBC News. Here's another from CBS19. How about Cville Right Now?There is a lot of rhetoric about climate action and moving people out of automobiles. Is any of it having any effect? Are fewer people driving alone? How many people are paying attention to this issue? What is the community supposed to do when a major highway is shuttered for hours? Are we all so endless trapped in a news cycle that solutions remain elusive, situations remain intractable?I don't have the answer but I know I want to be part of an information ecosystem that seeks to do better than what we have at the moment with a series of wicked problems that are difficult to solve in this era of fragmentation.So what's today's ending? A note that David Bowie's Diamond Dogs helped me think this morning and this 1973 special seems important. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit communityengagement.substack.com/subscribe

Synopsis:  As concerns about rolled-back protections grow louder, whistleblowers at HUD have risked it all by going public with allegations that paint a stark picture of systematic regression on equality under the law.This show is made possible by you! To become a sustaining member go to LauraFlanders.org/donateDescription:  Housing discrimination is illegal in the U.S., but every year, the Department of Housing and Urban Development (HUD) receives thousands of complaints from individuals who believe they are not being treated fairly because of their race, religion, disability and other protected classes. HUD is one of the only free resources available to Americans facing housing discrimination, but a shocking new whistleblower complaint letter released on Monday, September 29, 2025 says the agency is in crisis. Staff was slashed by 70% since Donald Trump took office, some civil rights cases have been abandoned, and political appointees are allegedly overriding legal findings to allow discrimination. These are just some of the claims in the formal complaint letter, which has now been filed through U.S. Senator Elizabeth Warren's office and taken to the press. In this conversation, Laura Flanders speaks to two of the four whistleblowers, HUD civil rights fair housing attorneys, to find out what this story means for civil rights and why they're speaking out now. As fair housing hangs in the balance, Palmer Heenan and Paul Osadebe are organizing union members to uphold their oath to defend the constitution and protect Americans.Guests:• Palmer Heenan: Attorney, HUD Whistleblower; Member, AFGE 476• Paul Osadebe: Attorney, HUD Whistleblower; Steward, AFGE 476 Subscribe to Laura Flanders & Friends on YouTube and podcast platforms to receive bonus interviews like these and our full, uncut conversations. And stay tuned for a new LF&F report featuring segments from this interview, coming soon to public television and radio. RESOURCES:Related Episodes:•  Housing is a Human Right Watch / Listen•  Frances Golden, “Rabble Rousers” & the NYC Housing Struggle that Won. Watch / Listen / Full, Uncut Conversation•  Domestic Violence Survivor & Homeless Too?  A CA Cohort Shows What Can Be Done. Watch/Listen /  Full, Uncut ConversationRelated Articles and Resources:• U.S. Senator Elizabeth Warren announces receipt of official complaint from HUD whistleblowers, ‘If you buy a home or rent a home or want to…'  YouTube•. Trump appointees roll back rollback enforcement of fair housing laws, by Debra Kamin, September 22, 2025, New York Times•  Federal Workers Are Organizing for Democracy- from the Inside Out, by Chris Does and Alissa Tafti, June 25, 2025, NP Quarterly•  Save Public Services•  Exclusive:  Federal Whistleblowers Expose How Trump's HUD is Abandoning Vulnerable Americans, by Maximillian Alvarez, September 22, 2025, The Real News Network•  Trump's housing department rolls back work to combat residential segregation, whistleblowers allege, by Shcris Stein, September 24, 2025, The GuardianFull Episode Notes are located HERE.Support Laura Flanders and Friends by becoming a member at https://www.patreon.com/c/lauraflandersandfriendsMusic Credit:  "Dusk & Glimmer" by Blue Dot Sessions.  Original sound design by Jeannie Hopper  Laura Flanders and Friends Crew: Laura Flanders-Executive Producer, Writer; Sabrina Artel-Supervising Producer; Jeremiah Cothren-Senior Producer; Veronica Delgado-Video Editor, Janet Hernandez-Communications Director; Jeannie Hopper-Audio Director, Podcast & Radio Producer, Audio Editor, Sound Design; Sarah Miller-Development Director, Nat Needham-Editor, Graphic Design emeritus; David Neuman-Senior Video Editor, and Rory O'Conner-Senior Consulting Producer. FOLLOW Laura Flanders and FriendsInstagram: https://www.instagram.com/lauraflandersandfriends/Blueky: https://bsky.app/profile/lfandfriends.bsky.socialFacebook: https://www.facebook.com/LauraFlandersAndFriends/Tiktok: https://www.tiktok.com/@lauraflandersandfriendsYouTube: https://www.youtube.com/channel/UCFLRxVeYcB1H7DbuYZQG-lgLinkedin: https://www.linkedin.com/company/lauraflandersandfriendsPatreon: https://www.patreon.com/lauraflandersandfriendsACCESSIBILITY - The broadcast edition of this episode is available with closed captioned by clicking here for our YouTube Channel

Join Abby Langenberg, SBCA Director of Business Development, and Jess Lohse, SBCA Executive Director, as they take listeners inside the Big Green House at HUD's Innovative Housing Showcase. Discover how SBCA and its partners brought a 3,000-square-foot duplex to life on the National Mall in less than 12 hours using roof trusses, floor trusses, and wall panels. Hear about reactions from policymakers, builders, and the public, and learn how offsite construction is helping address housing affordability, availability, and accessibility—showcasing the future of smarter, faster homebuilding.

After a few days to digest everything, we are back and pouring through the latest Metroid Prime 4: Beyond trailer frame-by-frame to see what kind of secrets we can uncover! We go over some of the bike animations, dismiss the bad faith critiques about the desert, notice the bike upgrades and missile details on the HUD, review some of the outposts and temples shown in the map, look at Vi-O-La in detail, and of course talk about Sylux and his upgraded suit! All this and so much more, plus we go over our video walkthrough for Metroid Fusion and the entire Omega Metroid 2025 Marathon finally being uploaded! Come check it out!   Visit OmegaMetroid.com!   Subscribe! Podbean x iTunes x Spotify x YouTube Support us on Patreon! Omega Metroid Patreon Buy Omega Metroid Merch! Check out our Etsy merch shop! Download the Omega Metroid Theme Song! Get the Single for Free on Bandcamp! Follow us! @OmegaMetroid x @Spiteri316 x @DoominalCross x Omega Metroid Team Member Starter Pack Chat with us in Discord! Omega Metroid Discord Advertise on the Omega Metroid Podcast!

This Day in Legal History: Judiciary Act of 1789On September 24, 1789, Congress passed the Judiciary Act of 1789, formally titled An Act to Establish the Judicial Courts of the United States. This foundational statute created the structure of the federal judiciary as we know it today, establishing a three-tiered court system consisting of district courts, circuit courts, and the Supreme Court. At the top sat a six-member Supreme Court, with one Chief Justice and five Associate Justices. The Act also created 13 district courts and three circuit courts, aligning largely with state boundaries, and assigned federal judges to serve on both district and circuit courts—a practice known as “circuit riding.”The Act gave federal courts jurisdiction over a wide range of cases, including those involving federal law, disputes between states, and cases between citizens of different states. It also authorized the Supreme Court to review decisions from state courts when federal law was at issue, a power that would later be affirmed in Martin v. Hunter's Lessee (1816). The Act created the office of the Attorney General, tasked with representing the United States in legal matters, and laid the groundwork for the U.S. Marshals Service.One of the most controversial provisions was Section 25, which allowed the Supreme Court to overturn state court decisions that conflicted with federal law or the U.S. Constitution—an early assertion of federal supremacy. The Act was largely the product of compromise, balancing the concerns of Federalists, who favored a strong national judiciary, and Anti-Federalists, who feared centralized power.The Judiciary Act of 1789 was signed into law by President George Washington on the same day he nominated the first justices to the Supreme Court. Chief among them was John Jay, who became the nation's first Chief Justice. The Act did not resolve all questions about federal judicial power, but it laid a durable foundation that, with amendments, remains in place more than two centuries later.The Justice Department's “weaponization” working group, led by controversial interim U.S. Attorney Ed Martin, has launched an inquiry into alleged improper practices at the U.S. Patent and Trademark Office (PTO). In a June letter to then-Acting PTO Director Coke Morgan Stewart, Martin accused the agency of covertly targeting certain patent applications—especially those in the electrical and artificial intelligence fields—for secret scrutiny and delay. He alleged the existence of a Biden-era revival of the discontinued Sensitive Application Warning System (SAWS), a program once used to quietly flag questionable applications without applicant knowledge. To be clear, these “questionable applications” were for things like free energy systems and so-called “miracle cures.”Martin, who framed his inquiry as part of enforcing President Trump's executive orders on transparency, claimed Stewart had uncovered and ended the secretive policy. The letter demanded records related to the review of AI-related patents and other complex applications. The investigation was triggered by a PTO presentation highlighting a study on “patent thickets,” or overlapping patent claims in large families, which revealed examiner challenges in identifying double patenting issues in up to 22% of cases.Critics argue that such behind-the-scenes programs lack transparency and due process for inventors. Veteran patent attorney Tom Franklin warned that any flagging system that denies applicants notice and opportunity to respond undermines legal fairness. However, some public interest advocates, like Alex Moss, defended the PTO's efforts to improve patent quality, dismissing claims of illegality as political posturing.Martin's involvement has drawn scrutiny given his record of dismissing January 6 prosecutions, purging prosecutors, and publicly airing inflammatory and racist remarks, including blaming “crazy Black ladies” for his firing from CNN. Now awaiting Senate confirmation for the U.S. Attorney role in D.C., Martin's actions at DOJ—and this patent investigation—are fueling growing opposition in Congress.DOJ ‘Weaponization' Leader Sought Info on Patent Office ProgramA federal judge has extended an injunction blocking the Trump administration from imposing political and ideological conditions on federal grant funding. The order, issued by Judge Richard Seeborg of the U.S. District Court for the Northern District of California, follows a previous temporary restraining order granted in August. The court found that cities and counties led by Fresno, California, are likely to succeed in their lawsuit, which argues the administration exceeded its legal authority and violated constitutional protections.The plaintiffs challenge a series of Trump executive orders, including one from August 7, which restricted federal funding from being used to support policies involving racial equity, environmental justice, transgender rights, immigration protections, and what it called “anti-American values.” Local governments say they were told to strip grant applications of any mention of “equity” or related concepts, or risk losing funding. Fresno reported receiving a letter from HUD on August 18, questioning its compliance with these mandates.Judge Seeborg agreed the orders may violate multiple legal provisions, including the Spending Clause, the Fifth and Tenth Amendments, and the Administrative Procedure Act. The court found that the conditions were likely arbitrary, beyond the scope of the administration's statutory authority, and unconstitutional. The administration had asked that any injunction be narrowly tailored, but Seeborg extended the broader block on enforcing these grant conditions.Trump Further Blocked From Imposing Federal Grant ConditionsU.S. law schools are reporting record-breaking first-year enrollment in 2025, driven by an 18% surge in applicants—a sharp jump following an already strong admissions cycle in 2024. Elon University School of Law is among seven schools announcing their largest-ever incoming classes, while at least ten others, including Harvard, reported their biggest first-year cohorts in over a decade. Harvard Law School enrolled 579 students this fall, up 3% from its norm and the largest class since at least 2011.The full scope of national enrollment won't be known until the American Bar Association releases official numbers in December, but early reports suggest crowded campuses and logistical challenges like classroom capacity and student support services. The University of Hawaii, Liberty University, Rutgers, Pace, and several regional law schools also saw record or near-record first-year intake.While law school deans are celebrating the growth, some industry experts are cautious. Nikia Gray of the National Association for Law Placement warned that an influx of graduates in 2028 could saturate the job market, especially as law firms scale back entry-level hiring due to AI advancements. Still, others see opportunity—Southern Illinois Law Dean Hannah Brenner Johnson noted rising student numbers may help address access-to-justice issues in underserved regions, or “legal deserts.”The last major spike in law school enrollment came in 2021 amid COVID-19, but that cohort graduated into a strong job market. Whether the class of 2028 will enjoy similar employment success is uncertain, as economic conditions and tech disruption may shift in the coming years.Applicant boom drives record first-year law school classes | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Federal whistleblowers are going public with an emergency message from within the Department of Housing and Urban Development (HUD). According to their formal complaint, under President Trump's administration, “HUD leadership has already violated the law” and taken actions that “will result in legal violations, gross mismanagement, gross waste of funds, and present a specific danger to public health and safety.” The complaints were filed by four attorneys and staff workers at HUD'S Office of General Counsel and Office of Fair Housing and Equal Opportunity. In their first on-air appearance since going public with their allegations, Max speaks with attorneys and federal employees Paul Osadebe and Palmer Heenan about their whistleblower complaints and the “chaos” at Trump's HUD. Guests: Paul Osadebe is an attorney working in the federal government, a shop steward for the American Federation of Government Employees (AFGE) – Local 476, and a member of the Federal Unionists Network. Osadebe is one of the four employees within the Department of Housing and Urban Development who have filed formal whistleblower complaints through the office of Senator Elizabeth Warren (D – Massachusetts). Palmer Heenan is an attorney working in the federal government, a rank-and-file member of AFGE – Local 476, and a member of the Federal Unionists Network. Heenan is one of the four employees within the Department of Housing and Urban Development who have filed formal whistleblower complaints through the office of Senator Elizabeth Warren (D – Massachusetts). Additional resources: Debra Kamin, The New York Times, “Trump appointees roll back enforcement of Fair Housing laws” Federal Unionists Network website, BlueSky, and Instagram AFGE – Local 476 website Federal Unionists Network: HUD Whistleblowers Sound Alarm on Civil Rights (Report) Federal Unionists Network: Join Us To Defend Public Services! Credits Studio Production: David Hebden Audio Post-Production: Jules Taylor

Whistleblowers working in the federal government are going public to expose an emergency situation within the Department of Housing and Urban Development. According to their  formal whistleblower complaint, under President Trump's administration, “HUD leadership has already violated the law” and taken actions that “will result in legal violations, gross mismanagement, gross waste of funds, and present a specific danger to public health and safety.” The complaints were filed by four attorneys and staff workers at HUD'S Office of General Counsel and Office of Fair Housing and Equal Opportunity. In their first on-air appearance since going public with their allegations, TRNN Editor-in-Chief Maximillian Alvarez speaks with attorneys and federal employees Paul Osadebe and Palmer Heenan about their whistleblower complaints and the “chaos” at Trump's HUD.Guests:Paul Osadebe is an attorney working in the federal government, a shop steward for the American Federation of Government Employees (AFGE) - Local 476, and a member of the Federal Unionists Network. Osadebe is one of the four employees within the Department of Housing and Urban Development who have filed formal whistleblower complaints through the office of Senator Elizabeth Warren (D - Massachusetts).Palmer Heenan is an attorney working in the federal government, a rank-and-file member of AFGE - Local 476, and a member of the Federal Unionists Network. Heenan is one of the four employees within the Department of Housing and Urban Development who have filed formal whistleblower complaints through the office of Senator Elizabeth Warren (D - Massachusetts).Additional resources:Debra Kamin, The New York Times, “Trump appointees roll back enforcement of Fair Housing laws”Federal Unionists Network website, BlueSky, and InstagramAFGE - Local 476 websiteCredits:Studio Production / Post-Production: David HebdenHelp us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

On this episode of the Ruff Talk VR podcast we are wrapping up Meta Connect 2025! While we weren't in attendance, there's still plenty to discuss! Including the upcoming Meta Ray-Ban Display glasses, featuring a HUD display and a neural wristband, as well as the next gen of the Meta Ray-Ban non-HUD glasses. The new Hyperscape app. Discord coming to the Meta Quest next year. And much more from Connect! We also discuss upcoming VR games such as Unseen Diplomacy, as well as updates to Cubism. Oktoberfest's full launch on the Meta Quest. A THRASHER PCVR remaster. POOLS coming to PS VR2. OpenAI getting into wearables, and much more!Use code RUFFTALKVR at checkout to save on any game or hardware on the Meta Quest store and help support the show!Showcase form: https://forms.gle/HxwkK9zuwydwbkKM8Big 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 start0:50 - Meta Connect Wrap up56:45 - Samsung Android XR release date rumor1:00:20 - Unseen Diplomacy 21:06:50 - Samsung Phone XR Capture1:08:10 - Disney Meta Ray-Ban Park Guide1:15:40 - VR Forever - SteamVR sales1:17:15 - OpenAI Wearables1:22:30 - Cubism 5 year anniversary1:26:00 - Oktoberfest VR full launch1:29:00 - Thrasher PCVR remaster1:30:00 - POOLs coming to PSVR21:33:00 - Upcoming VR GamesSupport the show

Show Notes: https://smartpokerstudy.com/pod559Questions Answered:“What's the best way to defend my blinds without bleeding chips against frequent raisers?” – Luke P.“How can I tell when someone is bluffing online if I don't have physical tells to rely on?” – Nick R.“What adjustments should I make when I move up in stakes and the player pool is tougher?” – Victor J.“What's the most effective way to build reads on opponents if I'm not using a HUD?” – Omar D.“How do I know when it's time to leave a table and find a softer one?” – Harry M.

The More or Less team go deep on the rumored TikTok deal: licensing the algorithm vs. owning influence, who actually controls the For You page, and why data localization misses the point. We debate A16Z's evolving role, Sequoia's must-have-access imperative, and what a “TikTok US CEO” would really do.Chapters:00:48 - Intro + Ty Haney's crypto-invisible loyalty rails 02:38 - “Do the weather” for Silicon Valley05:04 - Alcatraz as brand strategy (and why)11:22 - TikTok deal setup: ownership shuffle vs. real control20:05 - What does a TikTok US CEO actually do? “Shell upon shell”22:40 - “I want a human to pick my feed” — the curation comeback24:21 - Slow's Etiquette School: leveling the playing field37:31 - Meta's new glasses: HUD, wristband typing, live captions44:33 - LLMs as the new youth battleground; customizing AI personalities48:45 - Mid-cap IPOs, rate cuts, and why “number didn't go up”53:14 - The case for exclusive, hyper-local print (and price it high)We're also on ↓X: https://twitter.com/moreorlesspodInstagram: https://instagram.com/moreorlessYouTube: https://youtu.be/P3Gzl2ZDXWwConnect with us here:1) Sam Lessin: https://x.com/lessin2) Dave Morin: https://x.com/davemorin3) Jessica Lessin: https://x.com/Jessicalessin4) Brit Morin: https://x.com/brit

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

3 cash game and 3 tourney questions answered today:1. “How do I adjust when I keep running into short-stackers who shove a lot preflop?” - Marc2. “Is it better to multi-table smaller stakes or focus on just one or two higher-stakes tables?” - Jem3. “What are some good ways to spot and exploit recreational players when using a HUD?” - Gary4. “How should I change my play when antes kick in compared to the early levels without them?” - Mathieu 5. “What's the best bubble approach? Tighten up to secure a min-cash or attacking to build a stack?” - Mathieu6. “How do I manage my bankroll differently for tournaments compared to cash games?” - Doug

Keith discusses the factors driving rent growth, emphasizing income growth, supply constraints, and affordability.  He highlights that population growth has a weak correlation with rent growth, citing examples like Austin and San Francisco. The fastest rent growth is in San Francisco (4.6%), Fresno (4.6%), and Chicago (4%), while Austin (-6.8%), Denver (-5%), and Phoenix (-4.1%) show declines.  GRE Coach, Naresh Vissa, joins the conversation to talk about the administration's focus on lowering rates and the potential for higher inflation as a result. He encourages investors to stay informed and take advantage of opportunities when rates are low. Resources: Book a free coaching session with Naresh at GREinvestmentcoach.com Show Notes: GetRichEducation.com/570 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:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, vital trends are moving the rental real estate market. And learn what really drives rent growth. It's probably not what you think. Then inflate, baby. Inflate. Why this administration wants inflation today on get rich education.   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:08   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:18   You Keith, welcome to GRE from Whippany New Jersey to Parsippany New Jersey. Not much distance there and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to this week's episode of Get rich education, where it's not just about your ROI. It's about your roti, your return on time invested, and your return on life. Everyone says that population growth is what drives rents, yes, but that's just one part of it, and it probably isn't even the most important factor. There is evidence of this, from Harvard research to what HUD has found. Austin, Texas recently added 500,000 people, rents spiked, and then supply flooded in and rents stalled. Head count wasn't enough. I discussed that in depth when I walked the streets of Austin last year. San Francisco lost population, but yet rents rebounded and remain among the highest in the nation. Harvard's housing research shows that population growth only has a weak correlation with rent growth. So what actually does drive rents? Well, income growth, supply constraints, and then staying under the 30% affordability ceiling, which is HUD's definition of what a cost burdened household is, right? That means that a tenant spends more than 30% of their income on rent. That is cost burden, and this pattern holds from ancient Rome to modern Manhattan, rents follow paychecks, not head counts and on the supply side, well, not all metros are created equal. Some have quantified it with what's called a supply elasticity score, places like Houston can seemingly build endlessly, while Manhattan and San Francisco cannot. So it's that difference that explains why incomes turn into rent growth in one market but not in the other. So if you're chasing fast growing metros, okay, but be careful, because headcount does not equal pricing power. Paychecks are what do well today, rents are falling in boom towns, but they're climbing in what we would call legacy, established metros, the year over year, rent change across US, metro areas really has a striking contrast. The three with the fastest rent growth are San Francisco up 4.6% Fresno also up 4.6% and Chicago up 4% and the three biggest declines in rent are Austin down 6.8% Denver down 5% and Phoenix Down 4.1% rent contraction in those three cities. And here's the problem during that 2020, to 2022, real estate surge. Years ago, investors piled into Sun Belt markets, and they sort of expected this endless growth, but then new supply flooded Austin, Phoenix and Denver, pushing rents down and vacancies up, and all three of those are cities that I visited during the boom and I saw the. Cranes in the air myself, and yet, at the same time, older supply constrained metros, like in the northeast, in Chicago and in San Francisco, they are quietly regaining momentum. That's where demand is steady. Construction is limited, and that's why rents are ticking higher. So this is why, like I've talked about before, it's good for you to invest in some Sunbelt areas, say, like Florida and then others that have this steady demand, like, say, a place in Ohio. And it's worth pointing out, too, how unusual it is that a city like Austin has a 6.8% rent contraction. We all know that housing prices are more stable than stocks, sure, but real estate rents are even more stable than housing prices, so this rent aberration that was caused by such wild overbuilding in Austin. Now, I recently attended a presentation on the rental housing market. It was put together by John Burns. He's the one that presented it, and he's the owner of the eponymous John Burns research and consulting. And people pay good money to attend these presentations, and he's a guy worth listening to, always with good housing market insights, and some of his insights while they're the same ones I've shared with you for a while, like how there's been a persistent lack of housing supply in the Northeast and Midwest, and still an abundant supply in the south. The Northeast is the only region of the nation that's adding more jobs than new homes at this time, the top amenities that tenants want today are a driveway in a yard. Pretty simple things. They're not a pool in a clubhouse. They're a driveway in a yard. And if you think about them, it totally makes sense, and that's why single family rentals have become such a booming industry, because that's where tenants are getting a driveway and a yard and burns. Also pointed out that most US job growth is in low income jobs. The presentation talked mostly in terms of headwinds versus tailwinds. Lower immigration. Well, that's a headwind. That's a bad thing for real estate investing, since immigrants tend to be renters. The tailwinds The good thing that includes less future supply coming out of the market, fewer apartments and fewer build to rent, deliveries coming online, fewer being added between today and 2028 and another positive for the next two decades at least, is the fact that since people are having fewer kids, that makes people less likely to settle down, buy a home and need a good school district. Well, that is good for people renting longer, longer tenancy durations, and John Burns also spotlighted how building material cost inflation is up 40% from pre pandemic times fully 40% more in material costs. But that Spike has since flattened out. However, it is just another reason why home prices can't really fall substantially. Today's prices are baked in, and his summary overall is to be bullish and bet on the tailwinds those real estate investing positives that is mostly due to future rent growth because the new supply is going away, and it's going to continue to stay difficult to buy a home, more rent growth, and that's the end of what he had to say. So as you're out there, targeting the right areas and renters for your properties, I've talked before about how new build rental property is a sweet spot, since your builder will often buy down your mortgage rate. For you, new build is where you can attract a good quality tenant. Look for a moment, just forget finding a tenant that can just barely afford your unit because they're spending 30 to 33% of their income to pay you rent, because, see, in that condition, there's no room for you to get a rent increase. If you can offer great value to your residents and target a 10 to 15% rent to income ratio, aha, you are really in good shape, because the easiest rent growth is retaining happy residents that are conditioned to accept 5% rent increases. Well, that is more likely in a nice new build property. That's where you attract a better tenant. And if they were to move out, they would have to take a lesser property so they will stay and pay the rent in. Increase, and they're going to have the capacity to do so when the rent is only 10 to 20% of their income.    Keith Weinhold  5:25   Now, when we talk about a major factor that trickles down to rents, the level of inflation, a lot of this comes down to the Fed chair and even the president, to some extent. And you know what's interesting, half the nation bashes whoever is president, and the entire nation bashes whoever is the Fed chair. Look, every recent Fed Chair has been maligned and bashed more than a pinata at a toddler's birthday party, bashed open more than an umpire at a little league game. Well, since 1980 there have been five of them, Volker, then Greenspan, then Bernanke, then Yellen and now Jerome Powell, most of that group is known for substantially lowering interest rates, yet they've remained unpopular anyway. And you know the irony here? The most popular of these five is Paul Volcker. He's the only Fed chair that's celebrated, and yet he jacked rates in the 1980s to up near 20% yes, 20% he really made borrowers feel the pain, but yet he's the only guy that's celebrated, because that's how he stomped that out of control inflation fire, 45 years ago, in 1981 mortgage rates peaked between 18 and 19% yet Somehow he's the Fed share that we celebrate? Well, here in more modern times, will the Fed eventually have to do the same thing? This is because Trump wants inflation now. The short term, talk is about lowering interest rates, but there are so many inflationary forces that you've got to wonder about how interest rates could very well go much higher later to get on top of this inflation that I'm telling you Trump actually wants. Now, of course, no one is going to come out and explicitly say that they want inflation, but that is now so implied, there are a ton of policies that the administration favors that are super inflationary. Some are a little deflationary, like deregulation, but they are overwhelmingly inflationary. Look tariffs, that's inflation on goods, mass deportations, that's labor inflation, reshaping the Fed in order to lower rates. That's inflation, the one big, beautiful bill, act that's lots of spending and largely inflationary. I'm telling you, Trump wants inflation now I'm not here to evaluate these policies for being good or bad. This is about policies, not politics, and understand it's not just the US government. It's every government everywhere that secretly wants inflation. And why do they want that? Well, first, it fuels spending. If you know that your dollars are going to shrink in purchasing power tomorrow, well then you're going to spend today, and consumer spending makes up 68% of us. GDP, yes, Amazon, thanks, you. Secondly, inflation shrinks the government's debt. The third reason that governments everywhere want inflation is because it foils deflation. In a deflationary world, people hoard cash like its gold bullion, tax revenue dries up and the economy stalls, and also inflation. It facilitates wage adjustments. It helps the labor market function. If economic conditions are weak, well, then employers can implement real wage cuts just by keeping salaries flat right where they're at. I mean, that is so preferable to cutting nominal wages directly and giving employees a pay cut notice. Everyone hates seeing that. So those are what four big reasons why governments will take their gloves off and fight in a steel cage match to the death to ensure inflation. So most expect a rate cut at the Feds meeting next week. But if this continues and there were massive cuts, you know, there's something else you've got to ask yourself, do you really want to live in an economy where massive rate cuts occur. I mean, that's what the 2008 global financial crisis and the covid pandemic in 2020 brought to us. So massive cuts mean there's some giant problem out there. Therefore, although the Trump and Powell rivalry, it might make you. Interesting theater and headlines. You know, let's not get carried away. Let's put things in perspective. What matters to you more is how many dollars you're leveraging, the efficiency of your property operations and the quality of your business relationships. Really, the bottom line is that fed tweaks are background noise inflation, that is the long term engine that makes your real estate profitable. Focus there, and let the politicians keep doing the yelling concerns about ongoing inflation and what that means for real estate investors, that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  8:57   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 prequel and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  8:57   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. 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family, to 66866,   Ken McElroy  17:26   this is Rich Dad advisor Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  17:34   we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach since 2021 he's helped you completely free, usually over the phone, learning your own personal goals and then helping you find the market that's the right fit for you, and even help connect you with the exact property address that helps you win the inflation Triple Crown, like say, 321, Mulberry Street in Chattanooga, Tennessee. They say that formal education will make you a living self education will make you a fortune. Well, he's got them both. He's slinging an MBA, and he's an active real estate investor just like you and I. Hey, welcome back to the show investment coach and race Vista.    Naresh Vissa  18:25   Hey, Keith pleasure, to be back on.    Keith Weinhold  18:27   Inflation is something that affects real estate investors even more so than it does the general public. Since we're borrowing large sums of money and the inflation discussion sure has been interesting lately, you just can't quite get rates back down to 2% still, they've been elevated for years. So talk to us from your vantage point about inflation and future inflation concerns.   Naresh Vissa  18:51   Well, Keith, I am concerned about inflation. This is the first time in a year or so that I'm concerned with the direction and with the policy surrounding inflation, here's why. And I brought this up when I was on your podcast in July, the current administration is not talking at all about the fact that inflation is rising. We saw the CPI, for example, hit 2.3% which was four year low earlier this year, and since then, inflation has gone up. That is concerning, that inflation is going back up without any rate cuts. Yet it's gone back, I don't want to say gone back up, but it's gone up. And remember, the Federal Reserve inflation target is 2% so we want to get as close to 2% as possible. And the number one issue in the 2024 election, and the number one issue today is still the cost of everything is right, is too much, which we'll talk about, from gas prices to home values to rents to grocery that's the. Big one, the cost of groceries, the stuff that you buy at grocery stores, etc, everything is just too expensive. Of course, education, you name, childcare, everything is just too expensive. Inflation is still, I think the administration needs to really tackle this problem. They need to really, really tackle it, because it is the number one issue. It is what people essentially, their vote is, is based on it's not necessarily based on some peace agreement in a foreign nation. It's not based on some social issue. The number one issue is going to be this inflation problem. It's are things affordable? Do I have money in my bank account to pay for X, Y and Z? So I am concerned because, yes, tariffs are inflationary. That's kind of common sense. Now I think tariffs can be good. Tariffs can keep inflation in check. If they're handled the right way, we will see that. But my bigger concern is that inflation has been rising. We're not anywhere close to that 2% and we know with a very high degree of certainty that the Federal Reserve is beginning their rate cutting cycle next week with the September rate cut, and that's going to be extended. We've seen President Trump. He's very public, his Treasury Secretary, his Secretary of Commerce, all the economic advisors who he has, they're very transparent about the fact that they want rates slashed, and they want rates slashed quickly. And so we know that we're going to get a rate this is going to be a rate slashing cycle. It's going to be great for the upper class, if you want to call it, it's going to be great for real estate investors, but for the common man, the byproduct of that is going to be higher inflation. There's just no way that you can cut rates so quickly, so low, and you're not going to see inflation. That's my concern. Now on the other hand, and again, we have to see how this plays out. On the other hand, I brought up earlier this year, I've referenced Doge. I think Doge is doing a good job cutting government spending, trying to scale back some of the government initiatives, not that the government's always going to spend we know that, but it's you need to cut back, and doges is trying to do that. That's a plus. But even bigger, I talked about some foreign wars, right? Well, I think that the Middle Eastern conflict and the Russia Ukraine conflict, both of those actually are disinflationary, or fixing those conflicts, creating peace. We've seen a ceasefire in the Middle East. We've seen a peace agreement in Ukraine, and they're disinflationary because of some of the items that I brought up. I think oil is going to dip below $50 a barrel as a result of these peace agreements, these ceasefires. So we're going to see oil prices go down. When you see oil and energy prices go down, you see the cost of almost everything else go down, because you need oil and energy to transport everything else. If you're building a house, you have wood and steel and lumber and and all sorts of materials. And it's you need a truck to transport all that. And the truck is probably it's not an EV truck. You're getting these big trucks that are using diesel fuel. So if we can bring down the cost of of oil and gas and electricity, which these taking care of these conflicts will do, creating peace will do the price of those products, oil, the natural gas, the electricity, the wheat, the grains, those are your groceries. The cost of those are going to come down. So I think it's very positive what we're seeing with this idea of peace in regions that make a huge difference to the global economy. So I'm curious to see, like I think we could see greater than 100 basis point decrease in inflation just by solving these conflicts 1% or more, like I legitimately think so, and that's without the tariffs. That's without the federal rate cut. So even if we're at, let's say, two and a half percent inflation today, and you shave off 100 basis points up now you're at one and a half, and then you throw in tariff inflation, you throw in the rate cut inflation, and we're around 2% so that's the ideal scenario that the administration is hoping for. It's let's create peace, let's have a freer market, and then they can scale back a lot of these tariffs too, because many of these tariffs against India, for example, they can scale back the United States can scale back the 50% tariff on India. That tariff was India got hit with because they're buying Russian oil, and you take care of the Russia conflict. Now it's we say, oh, India, you know, we'll scale back to go back to your 25% tariff, or maybe even less, if you do X, Y and Z. For us, we can expect to see many of these tariffs scaled back. We can expect to see the price of specific goods and services, the prices decrease, which will bring down inflation. That's what I'm optimistic about. Hopefully all these agreements hold, which I think they will, and we can expect that, and the Fed can begin its rate cutting cycle, and everything will be booming, and everything will be great. This is the. Deal scenario. I'm not predicting this. This is the ideal scenario for the administration,   Keith Weinhold  25:05   when both war and terrorists get as bad as they can possibly get. From there, they can only get better, each of which would be disinflationary. Now, the CPI inflation has been reported at 2.7% each of the past two months. But when we talk about rates, Trump wants lower rates, of course, and I think we all know that the Fed's fear of lowering rates is that high inflation could resurface. One thing though, that few think about is that lower rates lead to higher inflation, which kills off the national debt faster. But when we think about upcoming federal reserve rate cuts anytime, whether this was 10 years ago today or 10 years into the future, these are the type of lessons that I like to talk about. All right, when we look at the last Fed meeting, there was no rate cut, but then awful jobs numbers were reported right after that. That's why some think that there could be a 50 point rate cut at the next meeting. The Fed meets eight times a year, so there's about a month and a half between meetings. Now, the Fed doesn't have to wait for a meeting to make a rate cut. They can do an emergency rate cut between meetings, like we saw during covid, but sometimes they're reluctant to do that because that really spooks markets, and that makes people think, oh my gosh, there was an emergency rate cut. Maybe things are worse than we thought. What's going on that triggers concern?   Naresh Vissa  26:24   Well, I think that would be a huge mistake to have an emergency. Yeah, anatomic was obviously an emergency. That was a global emergency. Makes sense. 2008 I remember, I was just college student, but that was an emergency because we saw people lining up on the streets of Manhattan with all their boxes of laid off work, and we saw that on Phoebe. You know, that was a trying time. I think that's out of the question. It's completely unnecessary, especially when the Fed meets every 45 to 50 days. It's, you know, you can wait another 20 days until the next meeting and then make a decision when you have lower rates than the cost, the borrowing costs on the debt, it goes down so the government can refinance its debt, and they would pay less keyword interest dollars. That's a plus, the other plus with tariffs. And I really hope, again, this is just my opinion. I hope this is what happens. But the government is raising quite a lot of tariff revenue, so close to $30 billion last month. And we can expect, in the first full year, next year, it's going to have raised close to half a trillion dollars just for fiscal year 2026 that's the expectation, about half trillion dollars worth of tariff revenue. And I hope that the government uses that pair of revenue to pay down the debt, because when you're paying down the debt, you're dissipating inflation. What I actually don't want them to do is to give us back that money, because they've been floating that around, saying, Oh, we got all this tariff revenue. Let's get it back as a tariff dividend, and every American gets hex, you know, $100 in their bank account or something   Keith Weinhold  28:01   very altruistic. Of you patriotic,   Naresh Vissa  28:04   I would much rather that they use 100% of it to pay down that debt, because the country is going to be better off as a whole over the long term, and in turn, the people will be better off over the long term. The people may not see it. They may want their $200 check or $100 check or whatever it might be, but over the long term, I think the tariffs are overall working out quite well. We're not seeing the crazy inflation that the mainstream expert predicted. I don't think we're going to see the crazy inflation that the experts predicted, if you it's not going to be because of the tariffs, in my opinion, I think it's going to be if there's this aggressive rate cutting cycle that juices the markets and the cost of everything just just goes up. And this ties into real estate investing, because when the Fed starts cutting, that's a very good time for real estate investors to pay attention when the Fed stops cutting immediately. That's a an even better time to pay attention when the rates have bottomed. And this has to deal with timing the real estate market. I'll give you an example. I own several properties. Of one of my properties when the Fed was cutting in 2020 it took about a year for all those cuts to permeate into the mortgage market and into the the market as a whole. It took it. The inflation didn't go up overnight. The inflation didn't go up in April of 2020 or or May of 2020 it went up in April of 2021, it took about a year. So I actually refinanced one of my properties in July of 2021, I refinanced my my property, and I saved about 110 basis points on that refinance. And that's what I mean by timing the market. Because, if you're paying attention, part of it was I knew, Okay, the Fed has stopped. It's cutting. And you know, let's follow the more. Good market. Let's follow the Treasury yield curve and all that. And I jumped in. I literally refinanced at the bottom, like at the absolute bottom. There was about a three month window that was the bottom, and I refinanced. I did the application all that at the beginning of those three months, and it was and I got that great rate at the end of those three months. And I think there's going to be a tremendous opportunity for real estate investors. And I'm sure the Bane This is why I'm a little concerned about inflation as well, because the big hedge funds, the big real estate investment firms, the big banks, the blackstones, the blackrocks, they're going to be ready, and they're going to buy up. They're going to buy up real estate again, and investors, including our GRE investors, they're going to start buying up too. So pay attention. We're going to cover it here. We're going to cover it here, on the podcast and in the newsletter. But pay attention to these rates, because it'll be, I don't want to say, a once in a lifetime opportunity, but it will be a once in a cycle type of opportunity to jump in and get some bottoming real estate values as well as bottoming real estate mortgage rates at the same time. So that equilibrium point is only, like I said, about three or four months long. So we're going to be coming to that point and timing it sometime, I think next year, 2026   Keith Weinhold  31:21   talk to us about the vibe that you're getting from GRE listeners that contact you for a free coaching session. It's really hard to time the real estate market. Why don't you help us out with that? Let us know about a listener or two that you recently helped.   Naresh Vissa  31:37   Well, we have free real estate investment coaching here at GRE. It's absolutely free of charge. You can call, text me, email me whenever you'd like. People can book a free meeting with me, and it's a session. It's an immersive session on real estate investing. So we can go over all of that on our call. You can reach out to me unlimited times, like I said, it's I'm here just to help you throughout and along your real estate investment journey, I've helped hundreds of people invest in real estate, hundreds so it's buying turnkey, cash flowing real estate properties, so our investors can buy properties, and use my guidance and advice to help them buy properties. I also help them if they already own properties, how to optimize their portfolio, how to find new markets. I help them with their existing properties, dealing with property managers, with contractors, even with issues that things aren't always great in real estate, sometimes things can be bad. So listener Paul, for example. Listener Paul, he had a problem with the builder, and he submitted earnest money, and he wanted his earnest money back. Many, many years had gone by, and he came to me and he said, Hey, Naresh, you know, I've got all this money tied up, and the builder's not giving me the money back. Can you help me? And so I got him in touch with the right people, and within three or four months, he got all of his money back, plus interest on all the missed payments. So he got everything back as a lump sum, and then he thanked me and said, Thank you so much. I can sleep better at night, and I'm just I'm doing very well now, and he was ready to buy his next property.   Keith Weinhold  33:15   That's an example of where a deal went wrong and the builder didn't perform and build a property.   Naresh Vissa  33:19   Yes, exactly. Think of me as a trusted advisor, but also as a super connector, someone who can get you in touch with all the right companies and people to make real estate investing very sound. We have listener Joe, who bought many properties through us. He bought his first property through me and through GRE through our coaching program, and that first property worked out really well. So then he said, Hey, I want to buy a second property about six months later. So he bought a second property, and that worked out well. And then he said, let's go with it. And he bought all these with the same provider. So once he reached four, because my rule is, you don't want to go more than four or five in one market. Then he asked me for the next he said, what market do you recommend next? So then I recommended the next market, and then he bought another three or four in that market, and he built a nice little portfolio of seven or I mean, some people think it's little, some people think it's big, of seven or eight properties. So that's very common with the coaching program, where our listeners are really happy. If things are going great, I'm here for them. If things are not going the way that they expected, I'm here to help fix that problem.   Keith Weinhold  34:30   Maurice, is there to help you start building and grow a portfolio. Now, how do you yourself analyze deals and find properties before you let our listeners know about them?   Naresh Vissa  34:40   Well, we work with 15 to 20 different providers around the country, 15 to 20. So these providers are always reaching out to me, emailing me, calling me, leading me voicemails, texting me, saying we've got this great deal. We've got this great incentive. So I parse through all of that, and I find a handful of what I think is best. US and many of these deals, I send them to you, Keith, to promote in your Don't quit your Daydream newsletter, which people can subscribe if they go to get rich education.com. I send them there, and I let our listeners know on the phone when they set up calls, or I have notes on every meeting. So I'm able to send all of these deals to them, and that's how I put the best deals in front of them.   Keith Weinhold  35:25   Most of the coaching calls are over the phone rather than zoom the race. Sure can arrange a zoom call with you if you prefer. You really don't need to do too much to prepare for the call either.   Naresh Vissa  35:38   No, not at all. Just sign up for the meeting, and I'll run things. I'll run the meeting, I'll run the call. It's very straightforward. It's a session. It's very immersive, very interactive.   Keith Weinhold  35:49   Yeah, and you just have to book a time with Naresh once there and afterward. Yeah, it's really casual. Naresh is very open to you text messaging him if you have any ideas, or if you just heard about something on the show that you want to know more of. But yeah, booking that first coaching call is really what opens the door to the communication. And you really staying up to date on things. You can find a race through GRE marketplace. And alternatively, you can learn more about him with his bio. And importantly, book a time on his calendar by going directly to GREinvestment coach.com for a while now he's had times available Monday through Friday, and even some weekend slots available, and yeah, keep in touch with him, because property inventory is ever changing, especially with late breaking news like we've had this year of Home Builders Offering major incentives like buying down your mortgage rate to about 5% so staying up to date has hopefully brought you, the listeners, some really big wins already this year. Naresh, do you have any last thoughts?   Naresh Vissa  35:49   Definitely book a meeting with me. You won't regret it. I think even if you think that you own all these properties, you have all this experience, I think you'll find that the resources we offer it through our free coaching program, there will be one or two nuggets that you didn't know about that will still help you. So it doesn't harm anybody to book that free session with me. If you don't think you need my help, maybe it's just a five minute call and we touch base and we're good to go. That's fine too, but I highly recommend that people get in touch with me. We go from there so that you can continue to have a fruitful investment journey.   Keith Weinhold  37:28   Naresh has been valuable as always. Thanks for coming back out of the show.    Naresh Vissa  37:31   Thank you very much, Keith.   Keith Weinhold  37:38   Yeah, some sharp insight from Naresh as always. Now, when you think about making your next property move, consider how, compared to a few years ago, uncertainty has largely abated and real estate has stabilized. Think about how back in 2020 covid was the big uncertainty concern 2021 it was this real estate boom and an inventory shortage. You would get 50 or 80 offers on one property, and buyers were waiving inspections. That was tough. That was such a seller's market in 2022 that's when you had inflation and the supply chain chaos. That's when CPI inflation peaked at 9.1% in 2023 the big uncertainty concern was interest rate shock and the affordability crisis. And last year and this year, they've pivoted more to macro economic concerns. So therefore today's chief concern gets somewhat more buffered from real estate. Now I discussed the direction of rents earlier in today's show, the recently released Kay Shiller numbers came out, and they show that national home prices are up almost 2% annually, 13 cities or higher and seven or lower. By the way, this continued nominal price appreciation that frustrates the bejesus out of those perpetually wrong crash predictors. They have been wrong even longer than the people waiting for flying cars to show up. And where will prices continue to go from here, probably even higher now, America just hit somewhat of a milestone in this cycle. You might remember that mortgage rates peaked at 7.8% almost two years ago. Well, mortgage rates have now slid down to six and a half 6.5% and here's why this has become significant, right? Just compared to when rates were 7% per the nar 2.8 million Americans now qualify to buy a home. 5.5 million more will qualify at 6% and 7.7 more will qualify at five and a half percent. My gosh. Now. Now, of course, not every newly qualified buyer is going to pounce on a property, but only if a fraction of those do. Can you imagine how this demand increase will stoke prices? There are still only about 1.1 million homes available today. So not only are mortgage rates at a fresh low, but inventory choices, although they're still historically low, they are now at a six year high, and this is all while there's less buyer competition. So today's buyer conditions are really improving, and the bottom line here is that you are in the best position in more than five years to find the right property while still avoiding a bidding war, you have really got some properties to choose from. That is the takeaway, and you don't need to do much to prepare for an immersive free call with Naresh. You know what your situation is, although you probably do want to have about a 20% down payment for a property ready to go, some of which cost as little as 200k in these investor advantage markets, whether you've never bought any property in your life, or if you have dozens, it probably will benefit you. You can easily book a time that works best for you right on a GRE investment coaches calendar that way. There's no back and forth, and you can set it up now. Should you so choose at GRE investment coach.com Until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 3  41:38   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  42:02   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 paywalls 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 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, 266, 866, while it's on your mind, take a moment to do it right now. Text gre, 266, 866,   Keith Weinhold  43:18   The preceding program was brought to you buy your home for wealth, building, get richeducation.com

This time it's Energy Secretary Chris Wright exposing nearly $4 billion in dubious green climate grants hurriedly doled out by the Biden administration in its ast 70 days. HUD secretary Scott Turner drops a bomb on illegals living in taxpayer funded Section 8 housing: You must show us proof of citizenship to qualify. Thomas Massie keeps beating the Epstein drum as President Trump demands big pharma reveal the same data with the American public that it shared with him during Covid. Peter Navarro says Fauci and pharma lied to Trump about the safety of the Covid shots.

New week, new bingo card. AOL is finally canceling its dial-up service. B-2 flyover while Trump is meeting with Putin in Alaska to discuss the end of the war with Ukraine. Are we getting close to a deal? Documents about the meeting were left on a printer. Jeffy's Fat Five: "Pregnant robots" and hurricanes! Rep. Jasmine Crockett (D-Texas) claims that most black people aren't Republicans because Republicans are Neo-Nazis. HUD will no longer be translating into 200+ languages and will be launching an English-only initiative. European leaders, including Ukrainian President Zelenskyy, are set to meet with President Trump at the White House. The NFL announces that it will continue to promote social justice messages in the end zones. 00:00 Pat Gray UNLEASHED! 01:49 New Pat Gray BINGO! Card 15:52 AOL Update 19:45 Alaska Summit: B-2 Stealth Bomber Flyby 21:15 Alaska Summit: Agreement with Putin 21:52 Alaska Summit: Putin Meeting was a Success? 27:47 Alaska Summit: Trump/Putin Laugh 32:28 Fat Five 46:47 Biden Messed Up 49:50 Jasmine Crockett Continues her Racist Rants 52:11 HUD is Making a Change 53:18 Illegal Truck Driver Kills Three Americans 1:04:57 Zelenskyy is Coming to the White House 1:05:37 Update on Candace vs. Macron 1:13:16 Pacifiers for the Boys 1:16:45 India is Mad at America 1:18:53 New Messages from the NFL 1:25:38 Louie Conn Performs during NFL Game 1:31:35 Death Threats Sent to Trump Administration Learn more about your ad choices. Visit megaphone.fm/adchoices