Podcasts about inflated

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog and author of "Inflated: Money, Debt and the American Dream," returns to the show with a monthly update on markets and the economy.Sponsors: Monetary Metals. https://monetary-metals.com/julia Kalshi: https://kalshi.com/juliaIn this episode, Whalen argues the Fed's easy money era is over, with no rate cuts coming this year and traditional monetary policy failing to help Main Street. He warns of a "silent subprime crisis" brewing in multifamily real estate and sees stagflation ahead - low growth with persistent inflation eating away at real purchasing power. Whalen advocates for gold as protection against currency debasement and explains why recession odds have dropped to 27% despite structural economic challenges from commercial real estate to student loan repayments as pandemic-era programs wind down.Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:00:10 - Introduction of Chris Whalen 02:11 - Big picture market outlook and elevated interest rates 04:30 - No rate cuts coming this year discussion 05:38 - Trump's "big beautiful bill" and Senate dynamics 06:17 - Fed balance sheet reduction and inflation persistence 08:02 - Silent subprime crisis in multifamily real estate 09:13 - Mixed bag stock market outlook explanation 10:42 - Recession probability13:20 - Real estate opportunities and putting deals together 14:04 - Jay Gould and Jim Fisk arbitrage between gold and paper 16:57 - Fed's 2% inflation policy and its impact on savers 18:20 - Gold as anti-dollar hedge discussion 19:38 - Fall of fiat and return to sound money debate 21:00 - Why dropping rates no longer stimulates Main Street 22:13 - Chris's proposal to freeze government spending 24:11 - Banking system fluff and lack of credit demand 25:46 - Real vs nominal growth and stagflation 27:43 - Fannie Mae and Freddie Mac conservatorship discussion 30:00 - Closing thoughts and where to find Chris's work

SUPERMAN INFLATED BUDGET? Fantastic Four Pre-Sales! Area 51 Studios w/ Ernie Altbacker which he returns to the channel after our first interview with him a couple weeks ago on the DC Fan-imated Stream. A lot of Superman talk with runtimes, budgets, and posters. Fantastic Four pre-sales went live as well as Jurassic World Rebirth.

Pitching contracts have exploded in baseball over the years, but an influx of injuries has some apprehensive about handing out that much money. Zach Crizer joined Bob and Ryan to talk about that and more.

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

Baking soda and vinegar inflated condoms, one finger salute whilst grasping a banana in clay, would you like a cuppa tea?

Tom Bodrovics introduces Chris Whalen, author of Inflated: Money, Debt, and the American Dream, which has been re-released in a second edition with significant updates. The conversation focuses on the current state of markets, the impact of President Trump's tariff policies, and the challenges posed by the federal debt and inflation. Chris explains that he removed 20,000 words from his original book to make space for a new chapter analyzing the Federal Reserve's management of the money supply under Ben Bernanke, Janet Yellen, and Jerome Powell. He highlights how the U.S. housing market has become heavily government-supported, leading to increased volatility and rising costs for consumers. Discussing inflation, Chris notes that it is driven by the inability of governments to generate sufficient income to meet their people's needs, as seen in countries like Argentina. He argues that borrowing from future income through debt creates distortions, particularly in housing markets, where prices have surged due to low interest rates and government intervention. He also critiques the dysfunctionality of Congress, which he believes is unable to pass budgets or manage spending effectively. Chris emphasizes the importance of gold as a hedge against inflation and expresses skepticism about stablecoins and cryptocurrencies, calling them speculative vehicles rather than reliable alternatives to fiat currency. He suggests that the U.S. dollar's dominance in global markets contributes to inflationary pressures, as other countries benefit from using dollars without bearing the associated costs. The discussion concludes with Chris offering an optimistic outlook, noting that while challenges remain, opportunities exist for investors to navigate inflation through real estate and gold. He encourages listeners to manage investments with a long-term perspective, considering the erosive effects of even low levels of inflation over time. Time Stamp References:0:00 - Introduction1:02 - His Revised Book3:08 - Tariffs & Debt Distortions7:12 - Reserve Currency & Inflation11:03 - Debt Markets & Fed/Banks17:32 - National Debt & Spending21:18 - DOGE Cuts & Old Systems30:17 - Trump's Strategy?34:04 - Gold During Nixon Era39:08 - Book & US Administrations44:13 - MMT Era & Cryptocurrency?50:21 - Silver Supply & 1800s52:06 - Stablecoin Backing55:02 - Concluding Thoughts56:33 - Wrap Up Guest Links:Website: https://www.rcwhalen.com/X: https://x.com/rcwhalenBooks (Amazon): https://tinyurl.com/mv3wctcrLinkedIn: https://www.linkedin.com/in/rcwhalen/ Richard Christopher Whalen is an investment banker and author based in New York. He serves as Chairman of Whalen Global Advisors LLC, focusing on banking, mortgage finance, and fintech sectors. Christopher is a contributing editor at National Mortgage News and a general securities principal and member of FINRA. From 2014 to 2017, he was the Senior Managing Director and Head of Research at Kroll Bond Rating Agency, leading the Financial Institutions and Corporate Ratings Groups. Previously, he was a principal at Institutional Risk Analytics from 2003 to 2013. Over three decades, Chris has worked as an author, financial professional, and journalist in Washington, New York, and London. After graduating, he served under Rep. Jack Kemp (R-NY) at the House Republican Conference Committee. In 1993, he was the first journalist to report on secret FOMC minutes concealed by Alan Greenspan. His career included roles at the Federal Reserve Bank of New York, Bear Stearns & Co., Prudential Securities, Tangent Capital, and Carrington Mortgage Holdings. Christopher holds a B.A. in History from Villanova University. He is the author of three books: "Ford Men: From Inspiration to Enterprise" (2017), published by Laissez Faire Books; "Inflated: How Money and Debt Built the American Dream" (2010) by John Wiley & Sons; and co-author of "Financial Stability: Fraud, Confidence & the Wealth of Nations,

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to the show to discuss his newly released book "Inflated: Money, Debt and the American Dream." Sponsors: Monetary Metals. https://monetary-metals.com/julia Kalshi: kalshi.com/julia In this episode, Whalen offers a contrarian perspective on current markets, dismissing recession fears while highlighting a "silent recession" in commercial real estate. He draws parallels between Trump and Andrew Jackson, explains why the Treasury-Fed relationship is America's most important economic factor, and predicts zero rate cuts this year despite market expectations. Whalen argues that America's addiction to inflation has benefited asset holders while hurting average citizens, creating a housing affordability crisis and warning of an impending commercial real estate collapse that could become "the new subprime."Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:0:00 - Introduction and welcome back Chris Whalen 0:31 - Discussion about Chris's new book release 2:04 - Current market analysis and tariff situation 2:35 - Trump's fiscal plans and Congressional challenges 3:58 - Credit to Chris for predicting tariffs as "distraction" 4:21 - Chris's investment positions 5:09 - America's addiction to debt 7:35 - Treasury market and Fed priorities analysis 9:02 - Banks' lack of credit demand issue 11:22 - Inflation misconceptions 13:43 - Trump/Jackson parallel 15:33 - Fed/Treasury relationship change post-2008 17:09 - Trump's vision for economic role of government 18:06 - Solutions for national debt 19:37 - Inflation impact across economic classes 21:33 - Housing market issues and starter home costs 24:56 - 2% inflation compounding effects 26:08 - Inflation's role in addressing national debt 28:49 - Recession outlook discussion 30:36 - "Silent recession" in commercial real estate 31:55 - Why rate cuts aren't needed 33:37 - Commercial real estate as "the new subprime" 35:29 - Government as housing lender of last resort problems 37:06 - Closing remarks

Andrew discusses Medicaid cuts to control inflated government payments, Saudi Arabia's investment in the U.S., and Microsoft layoffs. For information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

NEWS: PH's inflated defense budget alarms group | May 1, 2025Visit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalSign up to our newsletters: https://tmt.ph/newslettersCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimesw Hosted on Acast. See acast.com/privacy for more information.

Apr 25, 2025 – In this compelling interview, Jim Puplava sits down with Chris Whalen, financial expert and author of Inflated: How Money and Debt Built the American Dream, to explore our nation's fascinating and turbulent relationship with money...

Apr 25, 2025 – In this compelling interview, Jim Puplava sits down with Chris Whalen, financial expert and author of Inflated: Money, Debt and the American Dream, to explore our nation's fascinating and turbulent relationship with money...

Medikabazaar news: From a $700M valuation to financial scandal engulfing the healthtech.Learn about inflated GMV, the $33M claim by Series C investors, governance failure, and the fallout.

In ep 116 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, André Refig joins Sam and Mark to explore the musicality of an infomercial call to action… and how to create proper characterisation within a mobile-phone video game. There's also an astounding stretchy-to-the-point-of-bursting wildcard!Our VO question this week is all about creating characters for videos games - where to start, how to flesh them out, and what a director really wants!Get involved! Have you got a Wildcard suggestion that we should try or an idea for the show? Send it to us via Mark or Sam's social media or email it directly to podcast@britishvoiceover.co.ukScript 1What do you do when your tyre goes flat and there's no air anywhere to fix that? You reach for INFLATE PRO! The smart, fast, hands-free way to fill it up with air. Inflate Pro is so advanced, it has a built-in smart pressure digital sensor that gauges and automatically stops when the set tyre pressure is reached. Plus it can be 100% hands-free. You simply set the target pressure and walk away, keeping you out of harm's way.In just 2 minutes, you'll go from low to GO with Inflate Pro!Script 2Start VO:“Dice dice baby!”“Dice to meet you (insert nerdy laugh)”Hurts someone:"You appear to have had a critical failure.""You clearly forgot to read subsection 37 of rule 749. Loser!"Uses special move:"Cheatmode enabled!""Time for some dicey hacks!"Dies:"But...but... my calculations" "Loosing to a n00b. Perfect."We'd love your feedback - and if you listen on Apple Podcasts or Spotify, hit the follow button today!**Listen to all of our podcasts here - you can also watch on YouTube, or say to your smart speaker "Play How Do You Say That?!"About our guest: André Refig is a bilingual actor and voiceover with a native accent in both French and English and he works roughly 50-50 in each. He specialises in the corporate and video game sectors, but has also voiced TV and radio commercials, audio dramas, animations, ELT, audiobooks, with plenty of dubbing and ADR. Game franchises he's worked on include Assassin's Creed, Cyberpunk, Dying Light, Brawl Stars, Formula 1, Age of Empires and more. On screen he's been in TV series such as Killing Eve and We Were the Lucky Ones, and he's been treading the boards professionally since 2008, most proudly having been in the original cast of the current West End production of Cabaret. He has two young boys, the eldest of which has also started working in voiceover at the tender age of 7! In his non-existent spare time, he enjoys baking! André's Website @andrerefig on Instagram André's Facebook page Resources: Click here for the...

040925 Scott Adams Show, China 84% tariff will ruin them, Wall St inflated by globalist cheap labor stocks

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to The Julia La Roche Show for episode 247 to discuss tariffs, markets, and the economy. Sponsor: This episode is brought to you by Monetary Metals. ⁠https://monetary-metals.com/julia⁠ Chris Whalen explains why the tariff debate is largely a distraction - part of Trump's "shock and awe" strategy to force trading partners to negotiate fairer terms as America attempts to end the Bretton Woods system after 75 years. He sees credit deterioration emerging in auto loans and credit cards while warning about multi-family housing defaults, particularly in smaller urban properties where market indicators show values 50% below their last sale. Despite market fears, Whalen believes the bond market is already cutting rates regardless of Fed action, with the 10-year yield dropping to 3.94% due to strong demand for risk-free collateral and Treasury's efforts to reduce auction sizes. He predicts financial consolidation will continue, pointing to the mortgage industry shrinking to just five major lender/servicer groups, while suggesting investors should look for stock opportunities despite current volatility.Links: Twitter/X: https://twitter.com/rcwhalen Website: https://www.rcwhalen.com/ The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/ Inflated book (2nd edition): https://www.amazon.com/Inflated-Money-Debt-American-Dream/dp/139428571XStanley Middleman book: https://www.amazon.com/Seeing-Around-Corners-Achieving-Business/dp/B0D5PTSJVC/ 0:00 Introduction1:27 Tariffs 3:03 Market reaction assessment5:11 Investment strategy amid volatility7:40 Historical context of tariffs10:37 Main Street vs Wall Street priorities11:17 Impact and distribution of tariff costs13:30 Consumer credit and lending trends15:34 Multi-family housing defaults17:36 Real estate overbuilding concerns18:17 Consumer recession outlook20:46 Job market and recession dynamics22:57 Fed outlook and rate environment24:52 Balance sheet impact discussion26:56 Treasury market outlook29:36 Client questions about market positioning30:57 Closing remarks and contact information

Ep 432 ERIC EOTWE - INFLATED HIV NUMBERS, TUJU, INFLUENCERS & OSCAR SUDI GETTING FED CAKE

 Questions? Comments? We love feedback! Email us at info@baishavaad.org 

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to The Julia La Roche Show for episode 240 to discuss markets and the state of the economy. Sponsor: This episode is brought to you by Monetary Metals. https://monetary-metals.com/julia Whalen explains why market euphoria has faded under Trump's "shock and awe" strategy. Banks face a $3 trillion mortgage securities problem yielding under 3% against 3% funding costs. He notes the FDIC has stopped reporting troubled bank asset totals after 35 years, suggesting numerous insolvent institutions need resolution. Despite these issues, Whalen doesn't forecast a recession, seeing continued growth with isolated credit problems. In commercial real estate, he describes a "silent recession" where banks avoid taking properties, while for residential real estate he predicts price softening, then a rate-cut mini-boom before a major 2028 correction. Whalen also calls Fannie & Freddie stocks a "pump and dump" trade, states gold is "the only form of money that's not debt," and dismisses crypto as "nothing."Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.amazon.com/Inflated-Money-Debt-American-Dream/dp/139428571XStanley Middleman book: https://www.amazon.com/Seeing-Around-Corners-Achieving-Business/dp/B0D5PTSJVC/  0:00 Intro and welcome back Chris Whalen 1:06 Big picture market overview and Trump policy impact 2:49 Stock market as political proxy and market conditions 4:46 Fed policy outlook and potential rate cuts 6:09 Banking sector challenges and mark-to-market issues 8:07 Silicon Valley Bank anniversary and bank issues 11:10 Economic assessment and credit conditions 13:52 Commercial real estate challenges 16:11 Discussion of tariffs and Trump's structural changes 20:13 Debt, government spending, and economic growth 22:18 Investment approach and AI skepticism 24:36 Gold vs cryptocurrency perspective 25:58 Fannie Mae and Freddie Mac 27:29 Housing market conditions and affordability 29:50 Closing thoughts and where to find his work

Rich people do not get wealthy because they are inherently more innovative or industrious than most. They profit from inflated pricing and wages denied the working class sanctioned by the tenets of capitalism.

Leaving cert results will be lower this year, as inflated grades are set to drop for the first time in five years. Ciara discussed this further with Education Editor of the Irish Times Carl O'Brien.

Crowdstrike (CRWD) will report earnings after the closing bell, and Jeff Pierce says its demand will serve as a critical point in the report. He notes the company has accelerated its customer base but warns of macro headwinds impacting its outlook. Tim Biggam later offers an example options trade for Crowdstrike. He says investors can utilize "inflated volatility" with the trade.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Jon continues talking about Elon's big email and e-pull tabs.

After claims she exaggerated her CV, Rachel Reeves' entry in Who's Who is found to be at fault. Will it cut through with the public?Hugo Rifkind unpacks the politics of the day with Libby Purves and James Marriott. Hosted on Acast. See acast.com/privacy for more information.

Inaccurate bills. Late bills. Inflated bills. Bills covered by another party. David W. Johnson and Julie Murchinson debate on, “Should Consumers Pay Their Unpaid Medical Bills?” the new episode of the 4sight Health Roundup podcast, moderated by David Burda.

On this episode of Drilling It Down, Wes and Tyler return to explore the intricacies of sale-leaseback arrangements, focusing on the dangers of inflated leases. Drawing parallels with the Toys R Us saga following its private equity buyout, they discuss how companies opt to sell real estate for immediate cash, often leading to financial downfall. They break down the pros and cons of sale-leasebacks, underscoring the risks when companies overreach in pursuit of capital. Tyler emphasizes robust research for potential commercial investments, warning against the traps of inflated rents and the perils of uninformed property acquisitions. They highlight the necessity of local market expertise, cautioning listeners to consult seasoned brokers rather than relying solely on online listings for viable deals. The conversation also touches on the pivotal role of cap rates and interest rates, offering insights into evaluating leases for long-term success. Wes and Tyler adeptly guide listeners through the complexities of commercial real estate investing, providing crucial lessons and strategies to avoid costly pitfalls. Their discussion arms both seasoned and aspiring investors with knowledge essential for safeguarding their financial future.Want to submit a question that will be answered on the next episode? Submit it here or email us at newsletter@mcgillhillgroup.com.If you're not already, subscribe to The McGill & Lyon Dental Advisory newsletter here to keep up with all the articles mentioned in our episodes, as well as a plethora of other content. Use code Podcast20 for 20% off!Listen to our sister show, Next Gen DDS! An all-in-one resource for dental students, residents, and early career doctors, discussing both clinical and business aspects of dentistry, hosted by Wes Lyon and Dr. Scott Menaker.

MRKT Matrix - Wednesday, January 22nd S&P 500 rises to fresh record as Trump optimism, strong earnings reignite stock rally (CNBC) Nasdaq 100's Historic Bull Run Has Further to Go, Evercore Says (Bloomberg) JPMorgan's Dimon Says US Stock Prices Are ‘Kind of Inflated' (Bloomberg) Tech Leaders Pledge Up to $500 Billion in AI Investment in U.S. (WSJ) Musk and Altman Spar Over $100 Billion AI Venture Hyped by Trump (Bloomberg) Trump Says He's Open to Elon Musk or Larry Ellison Purchasing TikTok (Bloomberg) --- Subscribe to our newsletter: https://riskreversalmedia.beehiiv.com/subscribe MRKT Matrix by RiskReversal Media is a daily AI powered podcast bringing you the top stories moving financial markets Story curation by RiskReversal, scripts by Perplexity Pro, voice by ElevenLabs

Let's talk about the one thing that might secretly be sabotaging your relationships, decision-making, and personal growth: your ego. In this episode of The Save A Bro Show, we're breaking down the inflated ego—what it is, why we develop it, and how it could be the root of your struggles with women and life in general.Here's what we'll cover:The signs of an inflated ego—like overestimating your abilities, chasing validation, or dismissing others' opinions.Why we develop big egos, from insecurity and childhood criticism to societal expectations.The real-life consequences of an inflated ego, including bad decisions, constant drama, and relationship struggles.How to start deflating your ego so you can elevate your life and build real connections.If you've ever wondered why relationships don't stick, why you take everything personally, or why personal growth feels stuck, this episode is for you. It's not about tearing you down—it's about helping you break free from the ego's grip so you can reach your full potential.Don't forget to like, share, and subscribe—and check out my program, How to Vet Women Properly, to protect your peace and build meaningful relationships.Click Here For How To Vet Women Properly - https://bit.ly/4gVnmlF

Are you ready to move out of the suburbs and expand your homestead? Maybe one of your goals this year is to purchase land and start growing your homestead into what you've always wanted it to be. But if you've done any looking, you know that land isn't cheap, and interest rates aren't either. Maybe you would love to get a couple acres of your own in the country, but you just don't have the extra cash to spend. Today, I want to share some tips with you on how you can afford land even in an inflated economy. No matter where you are at financially, I am going to walk you through how you can make your dreams of owning your own homestead property a reality.    I hope this episode gives you some helpful info whether you are serious about moving this year or if still in the daydreaming or research phases. I pray that God would guide you in the process, that you would find the perfect property that meets your family's needs and that God would bless you with the finances you need to get started. Thank you so much for joining me!   Resources mentioned in today's episode: → Submit a question for the show!   Our Sponsor: Inherit Clothing Company - find modest, fashionable clothes designed with Christian values Go to inheritco.com/FARMFED Use code: FARMFED for 10% off your order   Join the free Farm Family Community  Free recipes, gardening tips, food preservation tutorials, and more! Follow us on Facebook Connect with Jocelyn!

Let us know what you think - text the show!Happy national Sangria DayIts easier to get to TampaMayor concerned about Burlington police staffing reportSaint Albans has its own policing problemsUVM men's soccer wins 2024 NCAA tournamentPro-Palestinian ballot measure fails to make it to bal Tenants vs landlords$21.8M housing project to create 40 units in Newport area Governor to again ask lawmakers to delay juvenile justice Burlington Cannabis Shop to ClosePutney Mountain Hawkwatch Recent Canada lynx sightings (1:01:46) Break music:  Bone Bone - “Jounce”https://burlingtonelectronicdepartment.bandcamp.com/track/jounce Will it lamp?Bethel's 1st annual drag ChristmasCollecting VermontianaManure spreading ban Barre emergency crews to get better radio coverageWCAX Investigates: Why didn't financial irregularities trigger state invBernie Look alike(1:28:27) Break music:  Cave Chimera - “Things Change”https://cavechimera.bandcamp.com/track/things-change Scumbag mapShaftsbury man faces years  of jail without trial after re-offendingAmbulance fracasVT man accused of serious mail threatsSoBu man connected with Saint J robberyBelvidere camp murderSaint Albans grocery store clerk assaulted The ol crash and grab in RutlandNewport woman charged with forcing teen to drink detergent mixture -Thanks for listening!Follow us on Facebook: facebook.com/VermontCatchup Follow Matt on twitter: @MatthewBorden4 Contact the show: 24theroadshow@gmail.comOutro Music by B-Complex

Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. Today, we bring you a bonus episode of Welcome to What Matters Now, a weekly podcast exploring key issues currently shaping Israel and the Jewish World, with host deputy editor Amanda Borschel-Dan speaking with Andrew Fox. Fox, a research fellow at the Henry Jackson Society, served in the British Army from 2005 to 2021, completing three tours in Afghanistan, including one attached to the US Army Special Forces. At the transatlantic think tank, he specializes in Defense, the Middle East, and disinformation. He holds degrees in Law and Politics, Modern War Studies and Psychology. This week, Fox and a team of researchers published a report that made international headlines titled, "Questionable Counting: Analysing the Death Toll from the Hamas-Run Ministry of Health in Gaza." According to the report, the Palestinian death toll for the Gaza war appears to include thousands of people who died of natural causes as well as incorrect figures — partly in an effort to inflate the toll of women and children. Worse, international media outlets are too quick to accept the figures from terror group Hamas -- usually without the scrutiny and rigor that are applied when reporting numbers supplied by Israel. The Hamas-run Health Ministry's figures, the report claims, are being manipulated for propaganda needs. [caption id="attachment_3442530" align="alignright" width="300"] Andrew Fox, a research fellow at the Henry Jackson Society, on a research trip in the Gaza Strip, summer 2024. (courtesy)[/caption] The Gaza health ministry, under Hamas, “has systematically inflated the death toll by failing to distinguish between civilian and combatant deaths, over-reporting fatalities among women and children and even including individuals who died before the conflict began,” the report said. We discuss the report and hear Fox's assessment of how the IDF's operations in Gaza have played out, as well as the one arena Israel has neglected -- the fight for world opinion. For news updates, please check out The Times of Israel’s ongoing live blog. Discussed articles include: UK think tank: Gaza death toll inflated to defame Israel for targeting civilians Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. This episode was produced by the Pod-Waves.See omnystudio.com/listener for privacy information.

Welcome to What Matters Now, a weekly podcast exploring key issues currently shaping Israel and the Jewish World, with host deputy editor Amanda Borschel-Dan speaking with Andrew Fox. Fox, a research fellow at the Henry Jackson Society, served in the British Army from 2005 to 2021, completing three tours in Afghanistan, including one attached to the US Army Special Forces. At the transatlantic think tank, he specializes in Defense, the Middle East, and disinformation. He holds degrees in Law and Politics, Modern War Studies and Psychology. This week, Fox and a team of researchers published a report that made international headlines titled, "Questionable Counting: Analysing the Death Toll from the Hamas-Run Ministry of Health in Gaza." According to the report, the Palestinian death toll for the Gaza war appears to include thousands of people who died of natural causes as well as incorrect figures — partly in an effort to inflate the toll of women and children. Worse, international media outlets are too quick to accept the figures from terror group Hamas -- usually without the scrutiny and rigor that are applied when reporting numbers supplied by Israel. The Hamas-run Health Ministry's figures, the report claims, are being manipulated for propaganda needs. The Gaza health ministry, under Hamas, “has systematically inflated the death toll by failing to distinguish between civilian and combatant deaths, over-reporting fatalities among women and children and even including individuals who died before the conflict began,” the report said. We discuss the report and hear Fox's assessment of how the IDF's operations in Gaza have played out, as well as the one arena Israel has neglected -- the fight for world opinion. So this week, we ask London-based defense analyst Andrew Fox, what matters now. What Matters Now podcasts are available for download on Apple Podcasts, Spotify, YouTube or wherever you get your podcasts. This episode was produced by the Pod-Waves. IMAGE: The IDF operates in the southern Gaza Strip's Rafah in this hand out image from December 16, 2024. (IDF)See omnystudio.com/listener for privacy information.

Elon Musk's company, xAI, filed a complaint against OpenAI for its recruitment practices, alleging that OpenAI excessively attracts talent with high salaries. Musk estimates OpenAI's workforce at about 1,500 employees, while other estimates suggest nearly 4,800. The complaint claims OpenAI's strategy limits competition by providing above-average compensation packages. Salary data from specialty visa applications indicates that OpenAI pays significantly more than the U.S. Department of Labor's average wages for various positions. According to an analysis, OpenAI's salaries range from $145,000 to $530,000, averaging 87% above prevailing wages. In contrast, xAI's salaries range from $250,000 to $500,000, which is 37% above average. OpenAI's highest-paying roles include positions in communications, data science, product staff, and technical staff, with significant percentage differences compared to prevailing wages.Learn more on this news visit us at: https://greyjournal.net/ Hosted on Acast. See acast.com/privacy for more information.

A clever new experiment has shown that bearded dragons can learn skills by copying other dragons. Then we have a brand new orange and black newt species. Become a Patreon: https://www.patreon.com/herphighlights Merch: https://www.redbubble.com/people/herphighlights/shop Full reference list available here: http://www.herphighlights.podbean.com Main Paper References: Kis A, Huber L, Wilkinson A. 2015. Social learning by imitation in a reptile (Pogona vitticeps). Animal Cognition 18:325–331. DOI: 10.1007/s10071-014-0803-7. Species of the Bi-Week: Pomchote P, Peerachidacho P, Khonsue W, Sapewisut P, Hernandez A, Phalaraksh C, Siriput P, Nishikawa K. 2024. The seventh species of the newt genus Tylototriton in Thailand: a new species (Urodela, Salamandridae) from Tak Province, northwestern Thailand. ZooKeys 1215:185–208. DOI: 10.3897/zookeys.1215.116624. Other Mentioned Papers/Studies: Folt B, Marshall M, Emanuel JA, Dziadzio M, Cooke J, Mena L, Hinderliter M, Hoffmann S, Rankin N, Tupy J, McGowan C. 2022. Using predictions from multiple anthropogenic threats to estimate future population persistence of an imperiled species. Global Ecology and Conservation 36:e02143. DOI: 10.1016/j.gecco.2022.e02143. Loope KJ, Akçakaya HR, Shoemaker KT. 2024. Inflated predictions from a flawed model influenced the decision to deny federal protection for the gopher tortoise. Global Ecology and Conservation 54:e03089. DOI: 10.1016/j.gecco.2024.e03089. Folt B, Marshall M, Emanuel JA, Dziadzio M, Cooke J, Mena L, Hinderliter M, Hoffmann S, Rankin N, Tupy J, McGowan C. 2024. Strengths and opportunities in gopher tortoise population modeling: Reply to Loope et al. Global Ecology and Conservation 54:e03093. DOI: 10.1016/j.gecco.2024.e03093. Other Links/Mentions: Learn JR. 2024.Research challenges gopher tortoise listing decision. Available at https://wildlife.org/research-challenges-gopher-tortoise-listing-decision/ (accessed December 5, 2024). Editing and Music: Intro/outro – Treehouse by Ed Nelson Species Bi-week theme – Michael Timothy Other Music – The Passion HiFi, https://www.thepassionhifi.com Intro visuals – Paul Snelling

This week's show is with Rod Boothroyd. Rod brings more than two decades' experience of working with men and women to his current work as a Healing The Shadow practitioner. Rod's career in the area of human potential started with his training in Transactional Analysis psychotherapy at the Manchester Institute for Psychotherapy in 1999. Since then he has taken further training in Integrative Psychotherapy, worked with the ManKind Project UK and Ireland (where he was a Primary Integration Training leader), and researched in depth the art of working with, and reintegrating, the human shadow. He is now working as a one-to-one coach and therapist, and is also a supervisor with Healing The Shadow, an organisation devoted to emotional healing and the development of human potential. In this episode, Lian and Rod delve into the concept of the 'sovereign within' and its transformative implications for leadership, personal growth, and soul awakening. They explore the essence of heart-centred leadership - including the importance of compassion and self-love, they share insights into the archetypes of inflated and deflated sovereigns - highlighting their manifestations in everyday life and the deeper insecurities they conceal, reflect on the pivotal role of purpose in anchoring a strong sense of self, and talk about the dynamics of childhood experiences and how these early influences sculpt our ability to and our path of embodying sovereignty. We'd love to know what YOU think about this week's show. Let's carry on the conversation… please leave a comment wherever you are listening or in any of our other spaces to engage. What you'll learn from this episode: Heart-centred leadership begins with awareness and self-compassion - We need to see and nurture the inner child and the growing sovereign within. Recognising shadow archetypes deepens self-awareness - Inflated sovereigns, driven by insecurities, and deflated sovereigns, hindered by self-worth struggles, offer powerful insights into our behaviours and relationships. Purpose and self-love are the cornerstones of sovereignty - by embracing self-acceptance and aligning with purpose, we create a foundation for self-discovery and leadership that can transform not only our own lives but those around us. Resources and stuff spoken about: Rod's websites: https://www.htsorganisation.co.uk https://www.strongfreemen.co.uk Rod's Books: Finding the King Within: How to Access and Embody the Power of Your Inner King Archetype King Warrior Magician Lover: A Guide to the Male Archetypes Updated for the 21st Century The book Rod mentioned on relationships: Us by Terrence Real Join UNIO, the Academy of Sacred Union. This is for the old souls in this new world… Discover your kin & unite with your soul's calling to truly live your myth. Be Mythical Join our mailing list for soul stirring goodness: https://www.bemythical.com/moonly Discover your kin & unite with your soul's calling to truly live your myth: https://www.bemythical.com/unio Go Deeper: https://www.bemythical.com/godeeper Follow us: Facebook Instagram TikTok YouTube Thank you for listening! There's a fresh episode released each week here and on most podcast platforms - and video too on YouTube. If you subscribe then you'll get each new episode delivered to your device every week automagically. (that way you'll never miss a show).  

Chuck Zodda and Paul Lane discuss Jerome Powell's upcoming speech that could indicate the near future of rate cuts. Is the economy still inflated? Why you should be paying attention to the situation in South Korea. Todd Lutsky joins the show for his weekly segment, Ask Todd.

Mel Brooks produces this 80s Rollerskating “classic.” Inflated budgets, revolving narrative, unruly child actors, an unexperienced director, and an iron-fisted Mel Brooks couldn't stop this forgotten flick. It's got the star power, and special effects but can that alone make this nostalgia bait stand the test of time? --- Support this podcast: https://podcasters.spotify.com/pod/show/cinekuest-video/support

When I was a banker, I used to get nervous when one of my business loan customers would receive glowing press and be featured in articles. When the accolades happened frequently, it was not uncommon to watch my customer's pride and ego become almost unbearable.  It usually wasn't long afterwards that I would watch as ... The post Inflated Egos appeared first on Unconventional Business Network.

Chuck Zodda and Paul Lane discuss the idea that the S&P 500 is inflated by 25% because investors forgot about the fundamentals. Ivan Drury from Edmunds.com joins the show to chat about EV incentives. Target's recent trade imports data tells the real story behind massive earnings miss. How are retirement rules changing under Trump? Thanksgiving meals are expected to be cheaper in 2024 as turkey prices drop.

In today's episode of Impact Theory, host Tom Bilyeu delves deep into the intricate world of modern relationships, societal expectations, and personal growth with guest Sadia Khan. Together, they explore the complexities of attraction and success, shedding light on how physical allure and ambition shape romantic dynamics. Sadia shares her preferences for driven, accomplished men, linking laziness to missed opportunities, while Tom reflects on his transformative journey motivated by his commitment to his wife, Lisa. Khan's perspective on pay disparities and societal norms, particularly in places like Dubai versus the UK, provides a thought-provoking angle on cultural and economic biases. The conversation takes a candid turn as they discuss the motivational power of admiration, the impact of materialism on relationships, and the unrealistic expectations fueled by social media. This episode also navigates the often contentious waters of sexual dynamics, examining the role of mutual attraction, the evolving landscape of hypergamy, and the pitfalls of transactional relationships. Both speakers emphasize the importance of self-improvement, setting boundaries, and finding partners who respect and value genuine connections over superficial traits. SHOWNOTES 00:00 Women dislike men lacking potential fulfillment. 17:57 Dating apps distort self-esteem and relationships. 26:09 Men should invest in themselves for relationships. 37:15 Having kids is risky with wrong partner. 43:47 Bonobos bond, women excel in emotion and caregiving. 01:00:36 Inflated sexual expectations impact realistic relationships. 01:04:44 Capitalism and culture influence men's dating behavior. 01:14:50 Young men face tougher competition in dating. CHECK OUT OUR SPONSORS Range Rover: Explore the Range Rover Sport at  https://landroverUSA.com Miro: Bring your teams to Miro's revolutionary Innovation Workspace and be faster from idea to outcome at https://miro.com. Found Banking: Stop getting lost in countless finance apps and try Found for free at https://found.com/impact. Netsuite: Download the CFO's Guide to AI and Machine Learning for free at https://netsuite.com/theory Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact Factor:  Get 50% off your first box plus 20% off your next month while your subscription is active at https://factormeals.com/impacttheory50 with code impacttheory50. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

(0:00) Bestie intros! (5:40) US Real GDP growth comes in at 2.8%, but there are underlying issues (29:16) Google earnings: YouTube and Cloud post huge quarters, would they have survived outside of Google? (36:24) Sacks's idea to auction off public spectrum licenses of major broadcast networks (42:17) How the media became one of the least trusted institutions in the US (54:26) Why Joe Rogan's interview with Trump was not appearing in YouTube search results (1:08:54) Final pre-election segment: how it's tracking, election integrity, voter fraud stats Get notified for the Election Night Livestream: https://www.youtube.com/watch?v=D4Xaqgd9-Ro Get tickets for The All-In Holiday Spectacular!: https://allin.ticketsauce.com/e/all-in-holiday-spectacular Follow the besties: https://x.com/chamath https://x.com/Jason https://x.com/DavidSacks https://x.com/friedberg Follow on X: https://x.com/theallinpod Follow on Instagram: https://www.instagram.com/theallinpod Follow on TikTok: https://www.tiktok.com/@theallinpod Follow on LinkedIn: https://www.linkedin.com/company/allinpod Intro Music Credit: https://rb.gy/tppkzl https://x.com/yung_spielburg Intro Video Credit: https://x.com/TheZachEffect Referenced in the show: https://fred.stlouisfed.org/series/DGS10 https://x.com/freesites_com/status/1851615700869144908 https://www.cnbc.com/2024/10/30/dropbox-slashes-20percent-of-global-workforce-eliminating-500-roles.html https://fred.stlouisfed.org/series/FYONGDA188S https://www.commercebank.com/about-us/prime-rate-update https://www.fdic.gov/system/files/2024-05/unrealized-gains-losses-on-investment-securities.png https://abc.xyz/assets/71/a5/78197a7540c987f13d247728a371/2024q3-alphabet-earnings-release.pdf https://www.cnbc.com/2024/10/29/google-cfo-says-company-can-push-a-little-further-in-cost-savings.html https://variety.com/2024/digital/news/youtube-q3-2024-advertising-revenue-growth-1236193926 https://x.com/DavidSacks/status/1818467743479542130 https://news.gallup.com/poll/512861/media-confidence-matches-2016-record-low.aspx https://news.gallup.com/poll/508169/historically-low-faith-institutions-continues.aspx https://www.axios.com/2023/10/24/americans-trust-in-media-plummets-to-historic-low-poll https://www.washingtonpost.com/opinions/2024/10/28/jeff-bezos-washington-post-trust https://x.com/DavidSacks/status/1850277560816681255 https://x.com/DavidSacks/status/1850979360037356001/photo/1 https://x.com/davidsacks/status/1844429818554876026 https://x.com/elonmusk/status/1851745648313602189

Find 10 friends who don't vote and we win! - https://www.10xvotes.com/Check out the STACK for links from each show here: http://JustinBarclay.comGet up to $10,000 in free silver with qualified accounts from my new partners at Goldco!Go to http://JustinLikesGold.com to get a free 2024 Gold Kit or call 855.512.GOLD (4653)#goldopartnerTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.comDown 40 Pounds in 40 Days.. Find Out How http://HealthWithJustin.comNo matter what's coming, you can be ready for your family and others. http://PrepareWithJustin.com#ad

Sure, grocery prices are through the roof, but are farmers paying the ultimate price? This insightful podcast gives dietitians, consumers, and farmers insight on the impact of inflation around the food plate.  In this candid conversation, Michele and Nicole take a deeper dive into the impact of the yet-to-passed Farm Bill, consumer demand, and the ensuing stress on farmers. They talk food insecurity, inflation, farming practices, and nutrition myths in this episode of the Food Bullying podcast. Offering perspectives from their respective fields, Michele and Nicole also discuss the weight of dis- and misinformation on their personal and professional lives. On a lighter note, the two share recent recipe wins to give listeners ideas for their own kitchen.

How do we know if we consider ourselves better than others?‌Angie's older son, Alex, joins her to discuss how thoughts of self-importance create obstacles in relationships.‌1 Corinthians 13:4 (NASB1995)“Love is patient, love is kind and is not jealous; love does not brag and is not arrogant,”‌2023 Home - Live Steady OnEmail Angie at: steadyonpodcast@gmail.comFacebook @livesteadyonInstagram @angiebaughman421‌Grab freebies and subscribe to the weekly Steady On newsletter at: Live Steady On Newsletter - Live Steady On‌You can download a blank study sheet here: https://livesteadyon.com/sbs-blank-study-sheet/‌Interested in the Step By Step Bible study method? Download the FREE masterclass here: Step By Step Masterclass - Live Steady On‌This podcast Angie's Bible study, “Love Never Fails: Building a Framework for Healthy Relationships” can be found here:Love Never Fails: Building a Framework for Healthy Relationships‌Learn about Steady On University here:Steady On University‌‌Logos SoftwareLogos Bible Study Platform‌Enduring Word CommentaryEnduring Word - Free Bible Commentary from Pastor David Guzik‌WordHippoWordHippo!‌BibleGatewayBibleGateway.com: A searchable online Bible in over 150 versions and 50 languages.‌Blue Letter BibleBible Search and Study Tools - Blue Letter Bible‌Richard L. Pratt Jr, I & II Corinthians, vol. 7, Holman New Testament Commentary (Nashville, TN: Broadman & Holman Publishers, 2000), 230–231.‌Douglas Mangum, ed., Lexham Context Commentary: New Testament, Lexham Context Commentary (Bellingham, WA: Lexham Press, 2020), 1 Co 13:4–7.‌John D. Barry et al., Faithlife Study Bible (Bellingham, WA: Lexham Press, 2012, 2016), 1 Co 13:4.‌‌Theme music:Glimmer by Andy Ellison

Chapters: 19:21 GMC Recap w/ Aaron Gossage & Ezra Aderhold 51:35 RATINGS ARE FLAWED! 1:11:30 Alden Harris like medium salsa 1:40:15 Thoughts on Isaac Robinson's statement 1:48:12 UPDATE to Masters at Bud Hill Event 1:53:10 DiscGolfLaw Interesting Statement 2:07:30 Listener Questions

Parables // The Parable of the Elder Brother   Luke 15:25-32 (NIV)““Meanwhile, the older son was in the field. When he came near the house, he heard music and dancing. So he called one of the servants and asked him what was going on. ‘Your brother has come,' he replied, ‘and your father has killed the fattened calf because he has him back safe and sound.' “The older brother became angry and refused to go in. So his father went out and pleaded with him. But he answered his father, ‘Look! All these years I've been slaving for you and never disobeyed your orders. Yet you never gave me even a young goat so I could celebrate with my friends. But when this son of yours who has squandered your property with prostitutes comes home, you kill the fattened calf for him!' “ ‘My son,' the father said, ‘you are always with me, and everything I have is yours. But we had to celebrate and be glad, because this brother of yours was dead and is alive again; he was lost and is found.' ””  Symptoms of “the elder brother syndrome”1.     Projects judgment towards others and God.  2.     Inflated view of their own righteousness.    3.     Misunderstanding of God's grace. Matthew 20:8-15 (The Message)“'Call the workers and pay them their wages. Start with the last hired and go on to the first. Those hired at five o'clock came up and were each given a dollar.' When those who were hired first saw that, they assumed they would get far more. But they got the same, each of them one dollar. Taking the dollar, they groused angrily to the manager, ‘These last workers put in only one easy hour, and you just made them equal to us, who slaved all day under a scorching sun.' [sound like the older brother?] He replied to the one speaking for the rest, ‘Friend, I haven't been unfair. We agreed on the wage of a dollar, didn't we? So take it and go. I decided to give to the ones who came last the same as you. Can't I do what I want with my money? Are you going to get stingy because I am so generous?'” The loving father's message to the elder brother. 1.     It's not your works I cherish, it's you. 2.     All I have is yours. 3.     I want you to enjoy my party.

We Dive Deep into the 2024 Buffalo #Bills ... who rank 14th in my Power Rankings heading into the year. We preview EVERY aspect of their team for the upcoming season and beyond. se Promocode: "TFG" On Underdog Fantasy For 50% Bonus Match Up to $250 Match On Your First Deposit! https://bit.ly/3vbmeUG  Must be 18+ (21+MA & AZ, 19+ AL, NE). Concerned with your play? Call 1-800-GAMBLER; For additional resources please visit https://underdogfantasy.com/responsible-gaming-resources Join my Community Discord Server! https://discord.gg/n46p98x6QE Chapters Intro 0:00 Offseason Changes 1:50 Coach & Scheme 8:59 Quarterback 22:09 Weapons 27:57 Backfield 44:48 O-Line 52:20 Offensive Summary 1:04:00 D-Line 1:05:39 Linebackers 1:18:57 Secondary 1:26:07 Defensive Summary 1:40:10 Team Summary 1:43:13 Special Teams 1:45:15 Schedule Outlook & Win Total Projection 1:55:30

They do not change. They will never change. They do not grow. *You must accept this.* They do not stop their tactics because it works for them. Never engage with them. They are dead to you. They always come back for more attention, energy, validation (narcissistic supply). They will try to bait you, humiliate you, engage you in any way, to get access to your energy through a reaction. They are unsafe, destructive, harmful, and dangerous to your well-being. Narcissists engage in gaslighting, baiting, character assassinations, humiliation, attacks, hoovering, flying monkeys, lies, manipulation in multiple forms, extensive self-obsession, extreme drama, reversing the story, and one-sided narratives that only serve them in some capacity. The gold is found in YOUR growth, empowerment, detachment and strength. The gold is found in what you are powerfully ending for your own soul growth. The gold is found in what is evolving in your own astrology chart and personal planets. Please seek professional help and support if you are moving through any experience with narcissism.  Originally recorded July 23, 2024.   Narcissism is defined as possessing 5 of 9 qualiies: Inflated self-esteem or a grandiose sense of self-importance or superiorityCraving admirationExploitative relationships (i.e., manipulation)Little to no empathyIdentity is easily disturbed (i.e., can't handle criticism)Lack of attachment and intimacyFeelings of depression or emptiness when not validatedA sense of entitlementCan feel like others are envious of them, or may envy others  

#StateThinking:The UN says vital casualty numbers are 50% inflated.  @MaryKissel Former Senior Adviser to the Secretary of State. Executive VP Stephens Inc. https://www.timesofisrael.com/liveblog_entry/gantz-discusses-hostage-talks-saudi45 RAMALLAH-normalization-with-top-biden-aide-sullivan/ 19