Podcasts about National Association

Keith is joined by housing market intelligence authority Rick Sharga—a frequent guest on outlets like CNBC and Bloomberg who "quietly gets it right" rather than chasing clickbait crashes. Together, they dig into whether America really has a housing shortage and how that lines up with what you're seeing in prices and inventory.  They explore why entry-level homes are so constrained and what that means for both investors and homebuyers.  They also examine how mortgage rates, builder behavior, and demographic shifts could shape housing demand and investment opportunities over the next several years. Episode Page: GetRichEducation.com/596 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE I'm your host. Keith Weinhold, does America really have a housing shortage? And if so, how long will it last? Those answers and more, with an expert guest and I today on get rich education.   Speaker 1  0:19   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:03   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:36   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:46   Welcome to GRE from Nantucket, Massachusetts to Pawtucket, Rhode Island and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack jawed act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education. I'm still not wearing a pair of knockers, and I've returned here to bring you more value than your HOA dues. It's kind of crazy that America First put a man on the moon, and we're the first nation to put a man on the moon in 1969 and yet today, we have trouble housing our own people here on Earth. Shortly, we're going deep on does America really have a housing shortage first? Sometimes real estate investors can learn lessons from the stock market about the future direction of housing prices and demand and just simply what assets people have demand for, how AI is disrupting some stock sectors. Has been rather germane lately. One CEO made this perfect example. It's about how two different stocks travel search engine Expedia and Delta Airlines, those two stocks were once closely tied together. Their share prices used to be correlated, but they've gone in separate directions. See, Expedia offers you a service that can be replicated by bots, but delta has actual planes that take you somewhere, and it's hard for AI to replace that. This is why there's been a recent push toward more tangible stocks and tangible assets, a divergence, an attraction to assets that give you a share of either a tangible good, or, in the case of something like an airline, a service that's directly tied to something tangible. And similarly, commodities like gold, silver and copper cannot be replaced by AI. Neither can real estate. There is a growing sense to own things that can't be disrupted, dematerialized and demonetized by AI, like so much software can. In fact, as overall stock market valuations are lofty. You know, some people have become rather wary of an AI speculative bubble that perceptive to this demand. Just a few weeks ago, Goldman Sachs introduced an everything but AI index, yeah, where you can invest in a basket of companies that are sheltered from Ai disruption, this everything but AI index that's attracting investors. In fact, there's another trend that interfaces with real estate that just launched recently too today, you can wager on future homes. Prices through the platform, poly market, yes, place bets for profit or loss on the future direction of the median home price. In fact, one recent college graduate joked, I was born too late to afford a house, and born just in time to gamble on people who can buy a house? Yeah, you're probably familiar with poly market by now. It's the prediction market that lets you speculate on things like elections and Fed rate decisions and various geopolitical events and other real world outcomes. Well, they have launched a set of real estate markets that allow users to bet on future home values. The way it works is that you can wager on future home values in New York, Los Angeles, Miami, San Francisco and Austin, Texas, as well as US national home values. So that's six different markets. Now I haven't gambled on Poly market, I had checked it at times to get an idea of where people really think markets are headed or what's going to happen next. Because, rather than major media, where sometimes as a hype machine, they create headlines that scare you in order to try to get clicks, well, instead of all that, regular people are placing their money on polymarket, and you can look at what that action is like, because that can be a more reliable harbinger of future price direction at last check with a national median home price of about 420k with the numbers, poly market is using one month from now, 66% of people think that home prices will rise. And it's more nuanced than that. You can bet on just what price range you believe home prices will fall into one month from now. And this is nothing that I recommend wagering on, but besides an interesting trend, yeah, you can get that idea of where real people actually believe markets are headed. As we're about to talk to national housing expert Rick sharga on whether or not we really have a housing shortage, we've got new data about the level of housing permits. Of course, housing permits are a gage of the level of future housing inventory, because after a permit is issued, it's typically six to 12 months until a single family home is built. But I'll share that with you near the end of the show, because it makes sense to cover this with you in chronological order. We'll discuss housing supply first, and then I'll tell you about the future supply direction based on housing permits. Now, you know from the inception of this show in 2014 I talked about the why of real estate investing before the how with anything in life, it's only when you truly know why you're doing something that you'll profoundly care about the how and you'll want to do it well. In fact, when I do an in person real estate presentation, one of the modules that I teach most often is simply called Why real estate. The biggest Why is not altruistic, although that matters, and that's part of it. But instead it's that real estate pays five ways. That's the biggest why any GRE devotee knows that the five ways are simultaneously paid, are appreciation, cash flow, ROA tax benefits, and not inflation hedging. But specifically inflation profiting. Yet I have found multi decade real estate investors that don't understand this, the most valuable hour that you can spend is knowing all the ways that you're paid and seeing and believing how your total rate of return of 20% 30% or even 40% is not far fetched or risky, but it's actually common and even estimated conservatively. If you're initiated on this, you already know, but if you aren't, it can sound a little hard to believe what I just said right there, I recently reshot the entire real estate pays five ways video course, and it's the most valuable hour of investing video content that you're likely ever to see. It's premium, masterclass level content. I'm just giving it away for free because people need to know this. And actually, on the newest shoot, I've condensed it down into just 40 minutes of content across the five videos, one instructional video for each of the five ways you're paid. The videos average eight minutes. So that's about 40 minutes total, and they build on. Each other. So at the end of each one, you get to see your cumulative rate of return. It just keeps adding up, and you know exactly where all of the numbers come from. That's why it's more conducive to video form than audio form. I know that many of you have seen it, but if not, it is foundational, and I cannot recommend it enough. It's free and available to you now. At get richeducation.com/course, get that now, while it's on your mind. At get rich education.com/course, more next, I'm Keith Weinhold, this is get rich education.   Keith Weinhold  10:39   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Keith Weinhold  11:16   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Kathy Fettke  12:27   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. You   Keith Weinhold  12:46   Is America really short millions of homes? If so, that doesn't mean every market is undersupplied, and prices can only go up because of it. If there's a housing shortage, why are prices falling in some cities? So the shortage? Is that something that's real, or is it just misunderstood, and you're gonna learn what it means to you? I'm get rich education's Keith Weinhold along with an intelligence authority today that usually gets it right. In fact, I found an old clip of him on Bloomberg where he suggested home prices bottoming in 2011 and as it turns out, they sure did today, together, we're answering the question, does America really have a housing shortage? And my guest has often appeared in major media, CNBC, Fox NPR. He's the founder of the CJ Patrick company. Hey, welcome back to the show. Rick sharga,   Rick Sharga  13:39   good to see you again. Keith, thanks for inviting me.   Keith Weinhold  13:41   You know, it's funny. Four years ago, Rick and I found each other, and we sort of checked each other out. I found him to be an authority that just doesn't go on saying this bombastic and absurd stuff just to get attention. Instead, he quietly gets it right, and when he knew I had a real estate YouTube channel, similarly, I resonated, because I'm not one of these people that's constantly saying that housing prices are going to crash just to get views and then those crash. People never follow up when they're wrong, and they've been wrong for about 14 years now. But Rick, rather than prices, we're here to understand if there's really a housing shortage today, most agencies believe we have a shortage. Moody's will tell you 2 million. Zillow, four to 5 million. Congressional Republicans have gone on to say 20 million. I sure don't know about that. And then yet, Rick sometimes at the same time, you do see these conflicting stats, where it says that sellers outnumber buyers today, which sort of flies in the face of a housing shortage. So what is your take amidst all this?   Rick Sharga  14:46   Well, Keith, I think what we're seeing is a fairly obvious example that if you torture data enough, you can make it say anything in the right you wanted to say. And there is a lot of confusion about how much. A housing shortage we really do have. It's not like we have 20% of the population unable to find anywhere to live. Most people still prefer to live indoors, and they've been able to do so, but the fact of the matter is that all of the math suggests that we are underserved in terms of the number of housing units available across the country, and we can go through some of the math. The big question, of course, is, how many houses are we short? How many housing units are we short? And the reason the numbers are all over the place, and as you suggested, let's set aside the Republican estimate of 20 million, because there's, there's certainly something political going on there, but the estimates range from around a million to as high as five or 6 million. And the reality is all of those estimates are counting something different. Some are counting housing growth versus population growth. Some are counting vacancy rates compared to historic levels, some are counting inventory available for sale today versus inventory available to sale in prior years. So each of these organizations, and they're all pretty reliable organizations, Moody's is certainly good. Zillow's research team is top notch. Fannie Mae and Freddie Mac the National Association of Realtors. None of these people are hiring dime store economists. They're all good folks, but they're all measuring something slightly different, which is why these numbers come out all over the place, and the one of the fundamental challenges is trying to figure out housing shortages compared to what, or compared to when. All of these estimates assume that there was some point in history when we had exactly the right number of housing units to suit the needs of the population. So they start with some point in time, and I think if you did enough research, you find they all start at slightly different points in time, and then kind of work their way forward from that and come to very different conclusions, again, based on where they started and where they ended up, and what they count. The one thing I would push back on a little bit from some of your comments in the intro is that I am highly, highly skeptical, extraordinarily skeptical of the reports that talk about how many more sellers we have than buyers, because that makes some wild assumptions about the number of people that are actually interested in buying a house. And I've never seen any research methodology that's really nailed that number accurately. Because nobody knows if you're thinking about buying a house right now, until you go to an open house until you do a search on on Zillow, or realtor.com or homes.com until you actually are applying for a loan or making a deposit. So the notion of being able to mind read three 40 million Americans to figure out how many of them are interested in buying, I think, is a neat trick, but I do think it's at least in part one of those methods that people use to get a lot of clicks to their website   Keith Weinhold  18:05   right? This whole thing of and I think when we talk about sellers versus buyers, that's shorthand. What we really mean are, there are some stats out there that show that prospective sellers outnumber prospective buyers, in some cases, which, yeah, I think I agree with you there. I doubt that as well. And yeah, of course, I think you're getting on some of the nuance here. We're trying to predict how some people would behave. For example, how much pent up demand is there when we're talking about sellers versus buyers, and we're talking about a shortage, for example, say, the 28 year old living with their parents that could move out and afford to buy a home if mortgage rates hit 5% like for example, how do you count that? Or, how would you even know to   Rick Sharga  18:53   it's a valid point. Keith, and I think that fundamentally, is my question. With that particular report, you really can't count that person. We do have some metrics that we follow, and it's funny, you mentioned that 5% mortgage, because as we record this, mortgages have broken that 6% threshold for the first time in a number of years. And just about every kind of mortgage you could buy right now is below 6% so that's a good thing. And every time we've gotten close to that 6% mark. In recent years, since mortgage rates doubled back in 2022 we've seen a huge influx of people applying for purchase loans, for those mortgage loans to buy a house, those numbers are up somewhere between 13 and 15% year over year right now, and that's before we've really had these mortgage rates dip below 6% so to me, that suggests there really is pent up demand out there, and I judge that just based on what I see in terms of a number of people actively applying for a loan.   Keith Weinhold  19:54   Yeah, there's a lot of nuance here. HUD tells us that we have more. Homeless people than we've ever had in this nation. So that's sort of an extreme affordability problem. To your point earlier about how most people want to live indoors, and I'm sure not making light of homelessness. It's a sad situation, but we're always going to have homeless people regardless of whether we have excess housing or a housing shortage. We have about 146 million housing units in the United States. The census shows and suggests that 8 million of those 146 million are housing units where people have doubled up and are sharing space with non relatives. That's one way to think about the level of pent up demand within the shortage,   Rick Sharga  20:44   I don't know if that's a result of shortage necessarily, or if that's a result of having the weakest affordability for people looking to buy homes that we've had in over 40 years. The last time affordability was as bad was the 1980s and the reason affordability was bad back then was because mortgage rates were at 1819, 20% and it made it very difficult for people to afford homes. But we're coming out of a very unusual cycle, and this is a little bit off topic from our inventory question, but it's the only time in US history when two conditions have hit the housing market back to back, if you go back to covid, coming out of covid, we saw home prices go up nationally by over 50% in about 18 months. It was a huge, huge, unprecedented increase. Yeah, and right on the heels of that, as inflation started to get out of control, the Federal Reserve had to take pretty extreme measures to get that back down. So they started playing with the Fed funds rate, and we saw mortgage rates double in 2022 in the history of the country, according to Freddie Mac we've never seen mortgage rates double in a calendar year. And in 2022 They not only doubled in a calendar year, they doubled in the space of a few weeks. So we're coming out of a period where home prices went up by over 50% and then mortgage rates doubled, and it just crushed affordability. So the people that have been looking to buy a $400,000 house suddenly realized they could only afford a $200,000 house, and there were none of those around. It's really why home sales have gone down as rapidly as they had volume of sales. In 2021 we sold 6 million existing homes. In 2022 it dropped to 5 million. And for the last three years, we've been sitting at around about 4 million annual sales of existing homes. And again, that doesn't suggest a lack of inventory, a lack of homes, because there are fewer people buying, and there's more properties staying on the market longer. But the underlying numbers, the underlying metrics we would look at, are where we can start to kind of deduce that there aren't enough homes. For example, you mentioned that there are about 146 million housing units across the country. Most recent census data I have from the end of 2024 says it's about 140 748, 40 748 million. So it's up just slightly from your number. That represents a growth of about 6.7% in housing units between 2010 and 2024 during the same period of time, the population went from about 309 million to about 340 1 million, and that represents a growth rate of about 7.4% so if everything else stayed equal, your population grew at a faster rate than your housing units did. And that suggests that even if the number of housing units was ideal back in 2000 it's somewhere less than ideal by the time we got to the end of last year,    Keith Weinhold  23:42   we're talking with Rick sharga. He's the founder and owner of the housing market intelligence firm, the CJ Patrick company. We're answering the question, does America really have a housing shortage? We're getting a yes there. And before we're done, we're going to talk about, how long could the shortage persist? But Rick, you spoke to affordability, and I think that has a lot to do with the nuances within the shortage, and that brings up shortages within the luxury tier versus shortages in the entry tier. And the entry tier is really what a lot of our listeners and viewers are interested in, because we're used to buying those as rental properties. So can you tell us about that?   Rick Sharga  24:23   It's a great point, Keith. And what we've been talking about so far is kind of a structural shortage in the overall number of housing units that could be purchased, could be owner occupied, could be rented. And one of the culprits there, and I will answer your question, I promise, one of the culprits there is that builders simply haven't built that much. If you look at the long term average, like 2025 years, the average number of housing starts was somewhere between 1.3 and 1.4 million a year coming out of the Great Recession in 2010 so you look at that last 15 year period or so, 12. Of those years, they've started less homes than that long term average. So builders simply haven't been keeping pace, not only with population growth, but also with just the ability to create enough homes in general, to offset the number of homes that are obsoleted every year, that get bulldozed every year. So there is a structural shortage. To your point, if you look at inventory available for sale, we are up about 9% year over year, but we're still down about 15% from where we were prior to the pandemic. So there are fewer homes for sale than there were back when the market was functioning more efficiently. The most drastic shortage is at the entry level builders simply have not been making a lot of entry level properties. There's a reason for that. There's some independent research out there, including some research from Fannie Mae that suggests that the pre construction cost a builder has to absorb before they break ground is over $100,000 across the country, on average, higher than that, where I'm calling you from today, in California, it's about 120,000 there. If your table stakes are 100,000 $120,000 it's really difficult to make a profit on an entry level property. So the builders, I think understandably, have been focusing on higher dollar, higher value properties and not replenishing that supply that we need for first time buyers and the kind of properties that real estate investors tend to like. The other problem we've had, Keith, is that when those mortgage rates doubled, the people who had purchased those entry level homes refinanced into a two and a half 3% mortgage and are now sitting on a $300,000 property, let's say or $250,000 property with a two and a half percent mortgage. And if they wanted to trade up, they'd be trading up to a four or $500,000 house with a 6% mortgage. And they simply can't afford to do that. So the combination of entry level owners staying put at much larger numbers and builders creating new entry level homes at much smaller numbers has really created kind of a crisis of inventory at the entry level segment of the housing market.    Keith Weinhold  27:18   Yeah, when we talk about that crisis of inventory in what's available. I'm not talking about shortage numbers now. I'm talking about the active listing count. This means more or less available homes to buy. This includes single family homes and condos. We have an active listing count of around 1 million today. The historic average is around 2.2 million, and that peaked near 4 million during the global financial crisis. So today, only about one quarter as many active listings, available homes as at the peak,    Rick Sharga  27:54   yeah, only about half as many as, let's call it a normal market, and that's one of the reasons. I think the first time you and I spoke on your podcast, we were talking about all the online snake oil salesmen who were predicting a home price crash. But that's one of the reasons why home prices haven't crashed, and why they've kind of continued to grow, at least at a modest pace, and in some cases now are starting to decline a little bit. But that lack of inventory on the market. When you don't have enough inventory to meet demand, or just barely enough to meet demand, that means that seller doesn't really have to negotiate all that much. That means that buyers are kind of at a disadvantage, and so as long as that's the case, you'll see home price stability. That doesn't mean that every market is going to see prices go up. But if you look across the country right now, if you look at markets where home prices are down even marginally year over year, you're looking at the Gulf Coast states, you're looking at some other southern markets, Las Vegas, Phoenix, you're looking at some outlying markets like Boise, Florida, certainly, and Texas. And those are markets where inventory is actually considerably higher than it was a year ago, and in some cases, considerably higher than it was back in 2019, if you look at markets where prices are still going up a lot, Midwest, Northeast, those are still markets where there's not enough inventory to meet demand. So that relationship between available inventory for sale and demand is really what drives pricing    Keith Weinhold  29:23   this whole discussion, which is really about the supply, just in the economics one on one. Adam Smith of supply versus demand. A lot of people, just like including my dad, when I was telling him about housing, something he doesn't follow. And I told him that prices are up the most in the Northeast and Midwest. That surprised him. He was like, No, well, population growth is lower here and lower than Pennsylvania, where he lives. And that's when I brought up, well, they're under building there. So in parsing this by geography, Rick, I think another way that we can do it is parsing the housing shortage by the single family homes versus apartments, because it's. Pretty well documented that nationally, apartments could be seen as overbuilt, and single family is under built. Do you have any details with respect to that?    Rick Sharga  30:08   We talk a little bit about that, and quick shout out to both of our home state, Pennsylvania, yeah, Phil, Philadelphia actually had some of the highest annual price increases right in their home sales last year. But part of that isn't just because they haven't been building a lot in Philadelphia or the suburbs. It's because we see people moving from higher priced markets into lower priced markets. So we have people actually commuting to New York who have bought homes in Philadelphia or the Philadelphia area. They can get much more house for their money there. They're not subject to some of the wage taxes that happen in New York State. They just get on that Amtrak and train into the city every day. So there is some of that going on across the country too, as we still see net migration of people moving out of states like California, New York and Illinois into nearby states where the cost of living is much lower. That slowed down since covid, since a lot of companies have been requiring people to come work back at the office. But it is still happening. It is still happening in generally the same direction you raise the issue of inventory for rental units versus inventory for, let's say, owner occupied properties, we have seen a plateau in the number of single family rental homes. So the stuff you're hearing out of DC, that you're seeing the media about the really important ban on institutional investor buying is really much more sizzle than substance. Oh, right. Institutional investors are owned and are buying a fraction, but we've seen over a million apartment units come online in the last 18 months. It's about the largest number of apartments that have that have sprung up and in that shorter period of time on record. And we've gotten to a point where in some markets, there's actually a little bit of an oversupply of those apartment units now that will balance itself out over the next couple of years, because multifamily building starts are way down too so we're not seeing a lot of activity there as builders hold off, waiting for this new inventory to get absorbed. But to put it in perspective, vacancy rates went from near zero back during covid in those apartments to over 6% last year. Rental rates have gone down from 15% year over year, increases back in 2020, 2021, to negative numbers nationally in the last year, just talking apartments, just apartments. So we have a short term mini glut, if you will, of apartments. It will be absorbed rapidly. We have 92 million people between the ages of 26 and 54 who are have either formed households or are about to a lot of them would like to be homebuyers can't afford today's prices, so they're renting instead. And about 5 million people a year are turning 35 which is when, you know, we parents start literally kicking them out of the house. So I think that rental overage will resolve itself, really, in the next 12 to 18 months. And if the builders don't start building new inventory by that point, we'll wind up with another shortage on the housing front, I'm of the opinion that we're at least a million homes short compared to what demand should be. I think the number is probably somewhere between one and 2 million. And again, I'm doing that simply based on a slight decrease in vacancy rates, population growth and the aging of the population. What could throw all of our numbers off? Keith is one of the X factors in demographics and population, which is immigration. Population growth, if it's organic, if it's by birth, does have an effect on housing, to an extent, but it's it's more nuanced, and it takes longer to really show itself if you're dealing with adult immigrants coming into the country, particularly immigrants who are coming in for jobs and have income that they can spend on housing, your housing demand goes up quickly, and that can have some local market repercussions depending on where the immigrants are going.   Keith Weinhold  34:18   In Philadelphia is not a coastal city. Its cost of housing is surprisingly low to a lot of people, but it's not on a coast. Just look at a map. Well, Rick, as we're winding down here, how long could the housing shortage persist overall?   Rick Sharga  34:33   I think we're in a period of time right now where builders are reluctant to overbuild. They got caught in the great recession with about a 13 month supply of homes available for sale, and then as home prices crashed, they were competing with their own inventory from the prior year, and many of them took a real beating financially during that period of time. So I don't expect we'll see builders overbuild anytime soon. And that tells me that we're probably looking at at least another three to five years before we can have a rational conversation about housing numbers kind of leveling off to be where they should be. We mentioned immigration. That is an X factor that could extend the housing shortage. If we start to see more immigration coming into the country, it could mean that we don't need as many houses as I suspect, if we have fewer people coming into the country. And the other x factor here is the boomers, the baby boomers of any generational cohort, probably have the highest home ownership rates right now and ultimately will age out of their properties. They've stayed there longer than any prior generation has, and that's also contributed to the inventory shortage, as opposed to the housing shortage. But as a friend of mine said, and it's a little macabre, but as he says, boomers will eventually leave their homes, either vertically or horizontally, so that will bring some inventory back to the market as well   Keith Weinhold  35:58   housing supply. It is rather inelastic, and we're probably going to be in this shortage for a number of years. Well, Rick, tell us how and why people consult with you and then just how they can do that.   Rick Sharga  36:12   Yeah, I work with mostly companies that are in the real estate or mortgage industries. Keith, I typically prepare a lot of market intelligence reports to them. It's real estate data, economic data, mortgage data. For some clients, I do foreclosure reports. They know what's going on in terms of delinquencies and defaults. For others, I do research on investor purchase activity, what they're buying, what they're selling, what they're paying, where they're doing all this. So anything that's data related to real estate data, mortgage data, economic data, I'm kind of neck deep in and I'm very easy to find on either LinkedIn or x. So if anybody's listening today and wants to connect on those platforms, just reach out and tell me you saw me on the GRE podcast, and I'll know you're legit.   Keith Weinhold  36:56   Housing supply is coming up short, but Rick never does. It's been great having you back on the show.   Rick Sharga  37:02   We'll do it again soon, Keith, It's great talking to you.   Keith Weinhold  37:10   Do we really have a housing shortage? The answer is yes, and the number of units short is one to 2 million. The shortage is worst in the entry level home segment, which matters so much to us as investors, we are owning an asset that's going to have sustainable demand for quite a while into the future. Rick indicated that it could take perhaps three to five years just to get back into balance. Now, we recently learned that there were fewer housing permits issued last year than there were in any year since 2019 and housing permits are an indicator of the future home supply. They had their recent peak five years ago with 1.7 5 million, and last year, there were just about 1.4 million. So home permits issued are 19% lower today than they were back in 2021 this is a harbinger of supply, because from the time that a permit is issued, it takes six to 12 months to complete a single family home. It's about six months to build a tract home, and closer to 12 months for a custom home. For apartments, it can take in excess of 24 months to deliver that period of time from permitting to completion. So nationally, we should continue to see scarce supply in the one to four unit space, keeping upward pressure on prices again for the most valuable 40 minutes of educational real estate investing material around you can access my premium real estate pays five ways, master class of five videos, totally free. And you know how I operate. I don't try to upsell you to some paid course. Either. It's just truly free. I'll send it to you. You can access it at get rich education.com/course coming up on future episodes here on the get rich education podcast, we're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished guests. Next week, the youngest guest to ever appear on the show is going to be with us. He's a 19 year old college student with a real estate investing related major. How does he see Gen Z's financial world? Is there any hope at all? The following week, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy when it's all done, when it's time for you to retire from real estate, rather than a 1031, Exchange, which would just keep you in the real estate game and with more of it, do a seven. 21 exchange into a real estate fund. Have no more assets to manage, no more property managers to manage total capital gains tax deferral and still get financial upside. And then just four weeks from now, it's get rich education podcast episode number 600 debt is the American dream. So if you're serious about building wealth, be sure to follow or subscribe to the show. If you've already done that, I would really appreciate it if you told a friend about this show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:39   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.    Keith Weinhold  40:58   The preceding program was brought to you by your home for wealth, building, get richeducation.com

The first episode of Skinny Inc. was all about the science behind GLP-1s, and the second episode was about the business, from the pharmaceutical companies who make GLP-1s to the insurance plans that may or may not cover it. Today, we're exploring how the so-called “Ozempic era,” affects people's mental health. First, business owner Maiyhet Burton tells us how using a GLP-1 has helped her body image. Globe health reporter Kelly Grant details how experts are split on the effect of GLP-1s on weight stigma, and psychotherapist Zoë Bisbing explains how the body positive movement helps her clients. Plus, Tigress Osborn, executive director of the National Association to Advance Fat Acceptance on why the popularity of GLP-1s shows how far we have to go with anti-fat discrimination, and Ary Mahraj and Emily Donahue from the National Eating Disorder Information Centre tell us how people with eating disorders may be impacted by the constant discussions about weight loss. Finally, Dr. Stephen Glazer, Medical Director for the Bariatric Surgical Program at Humber River Hospital in Toronto on how weight stigma can be internalized. You can contact the National Eating Disorders Information Centre at their toll-free helpline at 1-866-NEDIC-20 or visit their website. Questions? Comments? Ideas? E-mail us at thedecibel@globeandmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Share your Field Stories!Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! On today's episode, we talk with Fred Wager, Principal Environmental Regulatory Advisor with Jacobs about The Endangerments Clause, Updates to ESA, and the Future of WOTUS.   Read his full bio below.Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Showtimes: 0:29 - Cute animal facts!1:28 - Navigating travel chaos10:39 - Interview with Fred Wagner starts16:15 - Unpacking the Endangerment Clause and Major Questions Doctrine 27:47 - The future of WOTUS and endangered species act interpretations37:44 - Examining Section 106 and historic preservation challenges40:53 - Optimism, regulatory resilience, and concluding thoughtsPlease be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Connect with Fred Wagner at linkedin.com/in/fred-wagner-59043019Guest Bio:Fred Wagner focuses on environmental and natural resources issues concerning major infrastructure, including surface transportation, energy, mining, and commercial project development. Fred advises clients on environmental reviews under the National Environmental Policy Act or equivalent state statutes. He also helps secure permits and approvals from regulators under a variety of federal programs, including Section 404 of the Clean Water Act, the Endangered Species Act, the Clean Air Act, and the National Historic Preservation Act. Fred provides strategic counseling regarding implementation of the full spectrum of federal environmental programs, as well as U.S. Department of Transportation (USDOT) surface transportation grant management and safety regulations. Prior to joining Jacobs, Fred represented a wide variety of developers, public entities, and businesses in environmental, land use, and natural resources litigation in federal trial and appellate courts across the country, from citizen suits to government enforcement actions and Administration Procedure Act (APA) challenges. Most recently, Fred was counsel of record in the Seven County Infrastructure Coalition NEPA case before the U.S. Supreme Court.Music CreditsIntro: Givin Me Eyes by Grace MesaOutro: Never Ending Soul Groove by Mattijs MullerSupport the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players.

*Some parts of Texas are getting much needed rain.  *Drought continues to spread across the state.  *Cotton state lawmakers are asking the Trump administration to convince India to drop tariffs on U.S. cotton. *The Texas dairy industry is facing tough times.  *The National Association of Conservation Districts annual meeting was held recently in San Antonio.  *The Farm Bill is moving forward.  *The American Farm Bureau Federation is asking to congress to pass a new Farm Bill.  *Electro acupuncture is being studied for treating head shaking in horses.  

Urgency, frequent bathroom trips and unexpected leaks can disrupt daily life, but they're more treatable than many people realize. Dr. Travis Bullock joins Life Without Leaks to answer questions from his recent webinar, explain the difference between overactive bladder and other forms of incontinence, and discuss new therapies like neuromodulation that can help restore bladder control and quality of life. For more information about the National Association for Continence, click here, and be sure to follow us on Facebook, Instagram and Pinterest.Music:Rainbows Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 3.0 Licensehttp://creativecommons.org/licenses/by/3.0/A good night's sleep is hard enough without worrying about leaks. Attends Sleep Comfort Premium Overnight Underwear is designed to help you stay dry and comfortable through the night, with up to twelve hours of overnight protection. These premium incontinence underwear offer advanced absorbency and a secure fit that works while you rest, even during extended sleep. It offers premium overnight protection without a premium price. Visit Attends.com for

In this episode of the Global Regulatory Update podcast, the IIF's Philippe Brahin, Director of Insurance and NBFI Regulation and Policy, speaks with Virginia Insurance Commissioner and newly elected President of the National Association of Insurance Commissioners (NAIC), Scott A. White, about the supervisory, macroprudential, and structural forces shaping U.S. insurance oversight in 2026. Commissioner White outlines the NAIC's strategic priorities for the year ahead, including reinforcing resilience in the property and casualty market under growing climate related stress, managing increasingly complex investment risk profiles in the life sector, and navigating federal-state dynamics as Washington reconsiders its role in insurance policy. He connects these priorities to rising pressure around natural catastrophe losses, digital transformation, operational risks, and the continued evolution of insurer balance sheets. The discussion then turns to cross‑border coordination and international standard‑setting. Commissioner White walks through the NAIC's work with the IAIS and the FSB as global bodies refine expectations around recovery and resolution planning, including the implications of the FSB's expanded list of insurers subject to resolution planning standards. He also offers a detailed overview of progress on the Aggregation Method, recognized as comparable to the ICS in 2024, and outlines how U.S. regulators are addressing remaining issues such as interest‑rate sensitivity and supervisory intervention. The conversation also covers the NAIC's broader capital‑framework modernization, including the RBC Guiding Principles adopted in 2025 and the ongoing gap analysis aimed at updating a framework that has not undergone major structural revision since the 1990s. Finally, Commissioner White examines two areas drawing heightened global attention: alternative asset growth and asset‑intensive reinsurance, and the widening natural catastrophe protection gap. He discusses the supervisory responses underway, from enhanced review of asset‑backed securities and offshore reinsurance treaties to expanded market‑level data collection and mitigation‑focused consumer education. The episode concludes with a deep dive into the NAIC's emerging AI oversight architecture, including the 10‑state pilot of the new AI Systems Evaluation Tool, and the regulatory tensions arising from federal proposals that would centralize or preempt AI governance across industries.

Send us a text and chime in!The Prescott Valley Police Department will officially launch its Dog Walker Watch (DWW) program this spring! Dog walkers are invited to join us on Thursday, April 23, 2026, at 4pm in the PD Training Room at 7601 E Skoog Blvd for our informative launch session.[caption id="attachment_169301" align="aligncenter" width="2560"]Photo courtesy of Prescott Valley Police Department[/caption]Developed by the National Association of Town Watch (NATW), Dog Walker Watch trains dog owners and walkers to recognize and report suspicious activity while out in their neighborhoods. The program operates in more than 2,000 communities nationwide and is a simple, cost-effective way to enhance neighborhood safety.Participants will attend a free, one-hour training session to learn what behaviors to watch for, such as individuals looking into vehicles or mailboxes, unusual vehicle activity, and suspicious door-to-door encounters. The focus is on awareness and reporting, not confrontation.To register for the DWW launch program, please email Desiree Kelly at dkelly@prescottvalley-az.gov.Prescott Valley Police DepartmentPrescott Valley Police Department can be contacted at 928-772-9267 for non-emergencies, and 911 for emergencies. Yavapai County Silent witness is 1-800-932-3232.IF YOU SEE SOMETHING, SAY SOMETHING!Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

What if the biggest threat to your real estate business isn't the settlement… or the portals… or the headlines? What if it's the inventory you can't see? In this episode, I sat down with James Dwiggins, Co-CEO of NextHome, to talk about private listings, brokerage consolidation, and what happens when transparency starts to fracture. If you care about consumer trust, your comps, and whether you'll recognize real estate five years from now, don't sit this one out.   Key takeaways to listen for Why private listings are expanding What happens if MLS influence weakens How consolidation reshapes competition The ripple effect on appraisals and lending Why fiduciary duty must come before recruitment strategy And why leadership needs a better understanding of our industry's history   Resources mentioned in this episode National Association of REALTORS® MLS.com   About James Dwiggins James is the co-chief executive officer of NextHome, Inc. James brings to the table a sharp, innovative, and forward-focused vision. He's been in the real estate franchise business since 2006, originally joining Realty World Northern California & Nevada as director of technology and strategy, where he was promoted to vice president five years later. In May 2014, he cofounded NextHome (with Tei Baishiki) and ran both brands until 2020, when Realty World International acquired the region back. In January 2015, James (and Tei) launched NextHome as an independent national real estate franchise.   Follow James Website: NextHome   About Leigh Brown Leigh Brown is a leadership voice and keynote speaker who helps people navigate disruption and lead when the ground is shifting. Her latest book, Next Is Now, is a call to stop waiting and start leading.

Tune in for a conversation with Andrew Bercich, Chief Executive Officer of the National Association of Workforce Boards (NAWB), as he shares his vision for the future of the workforce system and the leadership needed to navigate a rapidly changing economy. Drawing on more than two decades of experience in talent operations with companies like Amazon and IBM, Andrew discusses how workforce boards can adapt to accelerating technological change, including the growing impact of artificial intelligence on jobs and skills. He also reflects on stepping into his new national leadership role, the priorities shaping NAWB's next chapter, and how workforce leaders can build more responsive, innovative systems that support both employers and job seekers in the years ahead.

Dave Gustafson has served with the City of Boulder's Open Space and Mountain Parks for 23 years as a law enforcement ranger, search-and-rescue professional, wildland firefighter, and interpreter. He teaches defensive tactics for the Boulder Police Department and teaches the National Association for Interpretation's CIG course. Before joining Boulder, Dave worked for the National Park Service for nearly seven years. He joins NAI's Paul Caputo and Song Stott on this episode.

More volatility was seen across the markets on Thursday with crude oil hitting the $80 per barrel mark while the Dow Jones was down around 1,000 points on the day. Grains and oilseeds were higher led by a sharp rally in wheat while it was a mixed session in livestock. Bryan Doherty with Total Farm Marketing joins us to discuss risk management amid volatility, the question of whether or not we are losing corn acreage due to fertilizer challenges and much more on today's show. Find more at https://www.totalfarmmarketing.com. Also, the livestock trade was quieter on the day Thursday. Who is going to win the leverage battle in the cattle complex? That's one of many items discussed on this week's episode of Cattle Chatter as Susan Littlefield talks once again with Brad Kooima from Kooima Kooima Varilek. In Segment One, we share a conversation from Commodity Classic as Farm and Ranch Media's Corryn La Rue talked with Nathan Keane from the National Association of Wheat Growers.

On today's episode, Editor in Chief Sarah Wheeler talks with Jessica Lautz, Deputy Chief Economist and Vice President of Research at the National Association of Realtors, about expectations for the spring housing market on home prices, concessions, cash buyers and more. Related to this epsiode: Realtor.com Q2 revenue rises 10% as visitor traffic outpaces rivals HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here. The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate.

Ely Delaney is an Email Marketing Architect known as “The People Whisperer.” He is the creator of The Follow Up Rockstar System, where he teaches entrepreneurs how to move from surviving to thriving in any economy by mastering relationship-building and lifelong follow-up. Ely is the author of the Amazon bestsellers Marketing Tidbits and Networking Tidbits, and the creator of the popular course Networking Like a Rockstar, which has enrolled more than 1,400 students worldwide. He helps speakers, authors, and coaches automate their follow-up systems so they can grow their businesses without needing an MBA.As co-founder and lead trainer of Purple Knight Marketing and Your Marketing University, Ely focuses on simplifying marketing so business owners can take control of their growth both online and offline. He has trained thousands of entrepreneurs globally and has spoken for organizations including S.C.O.R.E., Icon Builder Bootcamp, the National Association of Women Business Owners, and the Arizona Small Business Association. Ely specializes in building 24/7 automated marketing systems that work like a full-time employee, so business owners can focus on what they do best.Ely's Links:Website: https://elydelaney.com/homepageFacebook: https://www.facebook.com/elydelaneyInstagram: https://instagram.com/elydelaney/LinkedIn: https://www.linkedin.com/in/elydelaney/Podcast:https://podcast.meetcoolpeople.live/The Impatient Entrepreneur's links:Facebook: https://www.facebook.com/TheImpatientEntrepreneurPod⁠LinkedIn: https://www.linkedin.com/company/theimpatiententrepreneurpod/⁠Instagram: https://www.instagram.com/theimpatiententrepreneurpod/YouTube: https://www.youtube.com/@TheImpatientEntrepreneurPod⁠Online: https://www.theimpatiententrepreneurpod.comConnect with us⁠⁠: https://www.theimpatiententrepreneurpod.com/contact⁠Kwedar & Co.'s links:Facebook: https://www.facebook.com/kwedarco⁠LinkedIn: https://www.linkedin.com/company/kwedarco⁠Instagram: https://www.instagram.com/kwedarco⁠YouTube: https://www.youtube.com/@KwedarCo⁠Online: www.kwedarco.comConnect with us: https://www.kwedarco.com/book-consultation

Social Security has been in the news lately because DOGE had a particular interest in finding waste, fraud and abuse in a system in which .05 percent of all funds are used to administer the program.  It appears they found none, despite initial reports that 150- year -olds were still on the rolls.  The more important news about Social Security is its inability to continue providing full benefits as of 2033, when absent Congressional action, those benefits would dip to 77 percent of what most recipients are now receiving.  Politically speaking, it’s inconceivable that this will happen.  However, given the fact that we have now three workers for every retiree, that ratio threatens the financial viability of the program, absent FICA tax increases, changes in vesting times, reducing benefits for future retirees or some combination thereof.  To discuss all things Social Security with us is Martha Shedden, President of the National Association of Registered Social Security Analysts (narssa.org or rssa.com).

CapRadio's Laura Fitzgerald reports on a recent call for low-polling Democratic candidates to drop out of the governor's race. Plus, we learn about the artist behind a statue in midtown Sac. Finally, an organization supporting women business owners.

Student loans and their impact on graduates' finances have dominated the news recently. The average student debt in England for 2024 graduates was approximately £53,000, with repayments being made when salaries hit a certain threshold set by the government.But, the finer details on who gets what and how it's all repaid varies vastly depending on when and where students study. Rules also differ vastly across the UK. Recent campaigns have highlighted 'Plan 2' loans which focused on students in England who studied between September 2012 and July 2023 and the Chancellor's decision to freeze the salary threshold for repayments on these loans for three years, which means some graduates will now have to pay even more.In this episode we'll discuss the rules for current students, past graduates, as well as how maintenance loans are worked out and what support might be available.Joining Felicity Hannah is Tom Allingham from student money website, Save the Student and Graham Wright from the University of the West of England Bristol and National Association of Money Advisors.Presenter: Felicity Hannah Producer: Sarah Rogers Editor: Jess Quayle Senior Editor: Sara Wadeson(This episode was first broadcast on Wednesday the 4th of February 2026)

Chair of the Orange County Commissioners Jean Hamilton spoke with 97.9 The Hill's Andrew Stuckey on Wednesday, March 5, discussing town news and events. She offered reaction to Tuesday's midterm primary elections locally, which saw three fellow board members elected. She also recapped feedback from Commissioners who went to the recent Association of Counties conference in Washington, D.C., and more. The post Orange County: Election Reaction, National Association of Counties appeared first on Chapelboro.com.

Financial expert Peter Grandich discusses the precarious state of the American economy, emphasizing his deeply bearish outlook on the stock market. He argues that the middle class is eroding due to unsustainable debt, while a small elite holds the vast majority of wealth. Grandich expresses skepticism toward Bitcoin and AI, viewing them as speculative bubbles, while favoring gold and silver as essential assets for capital preservation. Beyond finance, he warns of increasing social and political division in the United States, highlighting risks such as civil unrest and demographic shifts. Ultimately, he encourages a philosophy of “less is more” and a return to faith to navigate a future defined by economic decline. Watch on BitChute / Brighteon / Rumble / Substack / YouTube *Support Geopolitics & Empire! Become a Member https://geopoliticsandempire.substack.com Donate https://geopoliticsandempire.com/donations Consult https://geopoliticsandempire.com/consultation **Listen Ad-Free for $4.99 a Month or $49.99 a Year! Apple Subscriptions https://podcasts.apple.com/us/podcast/geopolitics-empire/id1003465597 Supercast https://geopoliticsandempire.supercast.com ***Visit Our Affiliates & Sponsors! Above Phone https://abovephone.com/?above=geopolitics American Gold Exchange https://www.amergold.com/geopolitics easyDNS (15% off with GEOPOLITICS) https://easydns.com Escape The Technocracy (15% off with GEOPOLITICS) https://escapethetechnocracy.com/geopolitics Outbound Mexico https://outboundmx.com PassVult https://passvult.com Sociatates Civis https://societates-civis.com StartMail https://www.startmail.com/partner/?ref=ngu4nzr Wise Wolf Gold https://www.wolfpack.gold/?ref=geopolitics Websites Website https://petergrandich.com X https://x.com/PeterGrandich YouTube https://www.youtube.com/c/PeterGrandichCompany About Peter Grandich Peter Grandich entered Wall Street in the mid-1980s with neither formal education nor training, and within three years was appointed Head of Investment Strategy for a leading New York Stock Exchange-member firm. He would go on to hold positions as Chief Market Strategist, Portfolio Manager for four hedge funds and a mutual fund that bore his name. His abilities have resulted in hundreds of media interviews, including Good Morning America, Fox News, CNBC, Wall Street Journal, Barron's, Financial Post, Globe and Mail, US News & World Report, New York Times, Business Week, MarketWatch, Business News Network and dozens more. He has spoken at investment conferences around the globe, edited numerous investment newsletters and was one of the more sought-after financial commentators. Grandich has been a member of the National Association of Christian Financial Consultants, The New York Society of Security Analysts, The Society of Quantitative Analysts and The Markets Technician Association. He served on the Boards of Athletes in Action, the Fellowship of Christian Athletes, Good News International Ministries and Catholic Athletes For Christ. Through Athletes in Action, Grandich assisted with Bible study and chapel services for the New York Giants and New York Yankees from 2002 to 2016. His autobiography, Confessions of a Wall Street Whiz Kid, was first published in the fall of 2011. The second edition was released in 2014, while the third edition, Confessions of a Former Wall Street Whiz Kid, was issued in October 2015. The fourth edition of the book was later released in April 2019, and the fifth edition was issued in May 2021. The fifth edition of the book is currently available on Amazon.com, but you can also read the book for free online. Read the book online. Grandich was the editor and publisher of The Grandich Letter from 1984 to 2014. He was also Senior Commentator for Moneytalks.net from 2013 to 2015. In 2013, Grandich founded the Athletes & Business Alliance (ABA), a private organization of professional athletes and business executives who exchange ideas and build relationships with an emphasis on capitalizing on the talents of all involved. A symbiotic organization, ABA is a network of accomplished individuals in an environment where one can develop personal associations with a structured and supportive system of giving and receiving business. The ABA boasts a select membership of diverse senior-level executives, high net worth business owners, and both active and retired pro athletes. By invitation only, high-level corporate and business decision-makers and prominent athletes intermingle. To achieve success, businesses must utilize effective marketing tools, secure new customers to generate repeat business and provide superior customer service that engenders loyalty. The ABA provides an environment to do this and more. In late 2020, Peter closed all professional athlete related business. Peter Grandich currently resides in New Jersey with his wife, Mary, and they have one daughter, Tara. *Podcast intro music used with permission is from the song “The Queens Jig” by the fantastic “Musicke & Mirth” from their album “Music for Two Lyra Viols”: http://musicke-mirth.de/en/recordings.html (available on iTunes or Amazon)

Electricity underwrites nearly every aspect of modern life, yet decisions about power, cost, and control are increasingly opaque. New York Times energy correspondent Ivan Penn joins Mark Labberton to unpack how data centres, AI, utilities, and politics are reshaping the grid—and who ultimately bears the cost. "The real focus is who pays and who gets paid." In this episode with Mark Labberton, Penn reflects on his journey into journalism, his unexpected path into energy reporting, and how covering power revealed the economic forces shaping daily life. Together they discuss electricity as a moral and economic issue, the rise of AI-driven data centres, nuclear power's return, utilities versus tech giants, consumer vulnerability, racial inequity in journalism, and faith as a commitment to truth. –––––––––––––––– Episode Highlights "The real focus is who pays and who gets paid." "Electricity is the most important resource we have." "The utilities once the Goliath have suddenly become a David." "We wouldn't have need for any of this if you didn't build a data centre." "To be able to stop abuse with a pen is a powerful thing." –––––––––––––––– About Ivan Penn Ivan Penn is an energy correspondent for the New York Times, where he reports on electricity, utilities, nuclear power, data centres, and the economic forces shaping the energy transition. He has covered energy and utilities for more than fifteen years and has previously worked at the Los Angeles Times, Tampa Bay Times, Baltimore Sun, and Miami Herald. Penn's reporting has examined nuclear plant failures, grid reliability, climate pressures, and the growing influence of technology companies in energy markets. A longtime journalist shaped by investigative reporting, he is also attentive to issues of equity, public accountability, and consumer protection. Penn is a graduate of the University of Maryland and was the first black editor-in-chief of its student newspaper. He also holds a master's in global leadership from Fuller Theological Seminary and was a John S. Knight Fellow at Stanford University. His work reflects a commitment to accuracy, fairness, and public service journalism. Learn more and follow at nytimes.com/by/ivan-penn –––––––––––––––– Helpful Links and Resources Ivan Penn – New York Times profile https://www.nytimes.com/by/ivan-penn The New York Times – Energy and Environment coverage https://www.nytimes.com/section/climate Three Mile Island nuclear plant background https://www.nrc.gov/reading-rm/doc-collections/fact-sheets/3mile-isle National Association of Regulatory Utility Commissioners https://www.naruc.org PJM Interconnection electricity market https://www.pjm.com –––––––––––––––– Show Notes Childhood shaped by public-school educators and nightly news rituals Early journalism roots as school weatherman and student editor Becoming first Black editor-in-chief at University of Maryland paper "It was a powerful thing that I was able to experience." Early reporting career across major regional newspapers Assigned to energy and utilities beat as apparent punishment Broken Crystal River nuclear plant sparks investigative focus Anonymous source meeting at a Chili's launches major reporting trail NRC documents unlock public-records investigation Rare use of anonymous sources, reliance on verifiable documents Sixteen years covering nuclear, utilities, and electricity markets Nuclear renaissance promised dozens of reactors, delivered only two Return of nuclear amid AI-driven electricity demand Rise of small modular and advanced reactor proposals Debate over safety, fuel design, and reactor scale Data centers driving exponential growth in electricity demand "Anything connected to the grid plays a role." Grid costs shared across homeowners, businesses, and industry Tech companies argue for shared infrastructure responsibility Consumer advocates argue data centers cause new costs Utility regulation spanning local, state, and federal levels "The real focus is who pays and who gets paid." Tech giants eclipse utilities as dominant financial players Consumer advocates outmatched by utility and tech resources Journalism as faith-shaped commitment to truth and fairness –––––––––––––––– #EnergyPolicy #ElectricityGrid #Journalism #FaithAndPublicLife #AIInfrastructure #Utilities #ClimateEconomy –––––––––––––––– Production Credits Conversing is produced and distributed in partnership with Comment magazine and Fuller Seminary.  

Lee Lambert is the Chancellor at Foothill-De Anza Community College District and a visionary leader who has served as a senior-level community college executive for more than two decades. Prior to Foothill-De Anza, Lambert served as chancellor of Pima Community College in Tucson, Arizona, where he led a transformation of the college into Centers of Excellence in applied technology, health care, hospitality, information technology and cybersecurity, public safety, and the arts. Lambert is a dynamic advocate for diversity, equity, and inclusion, student success, and community engagement. He also believes and invests in employee professional development and growth to better serve students and the community. Among Lambert's many achievements and recognitions, he was the recipient of the Humanitarian Award from the League of United Latin American Citizens (LULAC), the Association of Community College Trustees (ACCT) awarded him with the Marie Y. Martin CEO of the Year Award, and the National Guard and Reserves of the U.S. named him a Patriotic Employer. Earlier this year, Lee was named Tucson Man of the Year. He currently serves on several committees and boards, including the Advisory Committee of Presidents for ACCT and the National Association of Workforce Boards' executive committee. He previously served on the American Association of Community Colleges board. In addition to his published writings, Lee is an international and nationally recognized speaker on the future of work and learning. Lee was born in Seoul, South Korea, grew up on three continents, and served in the U.S Army. He received a bachelor's degree in liberal arts from The Evergreen State College in Olympia, Washington, and a Juris Doctor degree from Seattle University School of Law.

Send a textThe silence of the house on the first night the kids aren't there. The urge to overcompensate by buying them gifts. The crushing feeling of being a "visitor" in your own children's lives.If you are a newly single father, these are the heavy realities you are facing right now. But you do not have to navigate them blindly.Today, I sit down with Ronald Platt, the co-founder and CEO of the National Association for Single and Divorced Families (NASDF). Think of NASDF as the AARP for single-parent households—providing everything from discounted mental health care to a groundbreaking "Support Insured" product that covers child support and alimony payments if you lose your job, become disabled, or face business bankruptcy.But Ron isn't just an executive; he has lived in the trenches. He shares his deeply personal journey of surviving a 14-year relationship with an addict, fostering and adopting a teenager, and rebuilding his life from a 450-square-foot studio apartment after losing his business during the Great Recession.In this episode, we cover:The NASDF Blueprint: How this organization is changing the game for divorced parents and single families.Beating the "Visitor" Mindset: Why overcompensating with toys backfires, and how creating a strict, predictable structure is the real key to helping your kids (and yourself) feel safe.Surviving the Quiet House: Ron's daily protocol of journaling, affirmations, and gratitude that saved his life when he was starting completely over.Unconditional Love: A powerful realization about how we parent our children, the dangers of conditional love, and the life-changing magic of simply apologizing to your kids when you mess up.The Dating Hiatus: Why jumping back into the dating pool too fast usually just means you end up dating your ex in a different body.Guest Bio:Ronald Platt is the CEO of NASDF.org, an organization dedicated to providing resources, products, and support for individuals going through a divorce or running a single-family household.Resources:Website: NASDF.org  Support the showhttps://www.risingphoenixpodcast.com

Are you a Virgo Sun, Moon, or Rising? Or do you have strong Virgo placements in your birth chart? In this episode, Adam Barralet and clinical aromatherapist Elizabeth Ashley explore the best essential oils for Virgo energy, combining astrology, medical astrology, and holistic aromatherapy.Virgo is often misunderstood as overly critical or perfectionist, yet it is the true healer of the zodiac. Ruled traditionally by Mercury and sometimes associated with Chiron or Ceres in modern astrology Virgo energy seeks order, precision, and wellbeing across the physical, emotional, mental, and spiritual realms.In this video, we discuss:✨ Virgo personality traits and healing archetypes✨ Chiron and the “Wounded Healer” connection✨ Virgo and digestion in medical astrology (small intestine & nutrient absorption)✨ Perfectionism, overwhelm, and nervous system stress✨ How essential oils can support grounding, clarity, and resilienceEssential Oils for Virgo Featured in This Episode:• Myrrh essential oil – for perspective and spiritual healing• Basil (Sweet & Holy/Tulsi) – focus, mental clarity & breaking perfection paralysis• Douglas Fir – calming overthinking and restoring steadiness• Turmeric essential oil – grounding and prioritising what truly matters• Helichrysum (Immortelle) – associated with Chiron & deep fortification• Palmarosa – preventative care archetype & nervous system support• Eugenol-rich oils (Clove, Allspice, Oregano) – cleansing and strengtheningThis episode blends astrology, archetypes, essential oil chemistry, and energetic insight, offering both spiritual and practical ways to work with Virgo placements in your chart.00:00 Understanding Virgo: The Healers of the Zodiac02:54 Essential Oils for Virgo: Myrrh and Beyond06:04 The Power of Focus: Basil and Other Oils09:04 Finding Calm in Chaos: Douglas Fir and Turmeric12:00 Managing Perfectionism: Healing with Essential Oils15:11 Virgo's Health: Medical Astrology Insights18:10 The Role of Essential Oils in Virgo's Wellbeing21:04 Final Thoughts on Virgo and Essential OilsIf you're interested in:• Essential oils for zodiac signs• Virgo traits and healing patterns• Medical astrology and digestion• Spiritual aromatherapy• Chiron and essential oils• Holistic self-development with plant medicine— this conversation is for you.ABOUT ADAM BARRALET Adam Barralet has been observing and living in tune with nature since childhood. Growing up amongst the bushland and wildlife of the hills in Western Australia and residing in various locations around the world has presented Adam with diverse opportunities to access extensive and eclectic teachings about the secrets of Mother Earth. He has used essential oils for over 30 years and teams his experiences with his background in human biology, chemistry, psychology, health sciences and massage.He has now established himself as an international author, presenter, educator and Wellness Advocate, adept at working with essential oils, along with crystals, animal guides, tarot, astrology and mythology. CONNECT WITH ADAM HERE: https://linktr.ee/adambarralet ABOUT ELIZABETH ASHLEYElizabeth Ashley has over 20 books on sale on Amazon under her pen name The Secret Healer. The UK Director of the National Association for Holistic Aromatherapy and an overseas speaker for The International Federation of Aromatherapists, Elizabeth's work focuses on understanding the very earliest energetic relationships between certain plants and the human world, right up the modern-day scientific evidence of healing botanicals.CONNECT WITH LIZ HERE: https://linktr.ee/thesecrethealer#Virgo #VirgoZodiac #EssentialOilsForVirgo #MedicalAstrology #Chiron #SpiritualAromatherapy #ElizabethAshley #AdamBarralet #ZodiacHealing #HolisticHealing

*The border will not open for livestock imports anytime soon.  *JBS broke ground last week on an expansion of its beef processing plant in Cactus, Texas.   *The lesser prairie chicken is no longer an endangered species.   *The growing dairy industry in the Texas High Plains provides a lot of economic benefit.*Meteorological winter is over.  *USDA is streamlining its interactions with farmers.  *The National Association of Conservation Districts annual convention was held in Texas.  *Newborn calves are under a lot of stress.  

In today's episode we will be discussing educational policy and its nuances in the U.S. across all States.Our guests today include, Dr. Ben Kern - an Associate Professor in PETE in the College of Health Sciences, Kinesiology, and Health at the University of Wyoming. Dr. Kern is a national leader in physical education policy research. He currently leads the School Health Map and facilitated the development of the State of the States Policy Report. Dr. Kern is focused on policy implementation and advocacy to strengthen physical education and physical activity nationwide in schools. Dr. Kern has also established a unique line of inquiry that investigates the individual dispositions of physical education teachers and related socializing agents that impact their adoption of teaching practices consistent with promoting student physical literacy. Our next guest is Dr. Lisa Paulson is an assistant professor in the Department of Applied Human Sciences at the University of Minnesota Duluth. She currently serves as chair of the SHAPE America Physical Activity Council and co-chair of the SHAPE America PETE Standards Task Force. Her scholarship focuses on physical education policy work and school-based physical activity promotion.Originally from The Netherlands, our final guest is Hans van der Mars (Ph.D., The Ohio State University, 1984) is Professor Emeritus at Arizona State University where he oversaw the undergraduate, master's and doctoral degree programs in Physical Education Teacher Education/Sport Pedagogy. Dr. van der Mars is widely published, (co-) and authoring over 170 published research papers, professional papers, book chapters, proceedings papers, and three textbooks. He presents frequently at international, national, regional and state level conferences. Moreover, he has provided over 85 continuing professional development/outreach workshops and guest lectures for K-12 physical educators, teachers, graduate students, and colleagues nationally and internationally.Over Dr. van der Mars illustrious career, he has represented the physical education profession in various capacities of leadership, scholarship, and service.  Far too extensive to share today, but some examples include: Research Fellow distinction in the Society of Physical and Health Educators of America (2005), the American Academy of Kinesiology & Physical Education (2006), the North American Society of Health, Physical Education, Recreation, Sport, and Dance Professionals (2009), the International Association for Physical Education in Higher Education (AIESEP, 2019), and National Association of Kinesiology in Higher Education (NAKHE 2021). Hans has also been recognized with the following honors: the National Association for Sport & Physical Education's (NASPE) Physical Education Teacher Education Honor Award (2011) and the Curriculum & Instruction Academy Honor Award (2013). In 2018, he was inducted into the SHAPE America Hall of Fame. In 2020, the National Association of Kinesiology in Higher Education (NAKHE) recognized him with the Distinguished Scholar Award. In 2021, The Ohio State University's College of Education and Human Ecology presented him with its Alumni Career Achievement Award, while SHAPE America recognized him with the Luther Halsey Gulick Award in 2023. And in 2024, he received the White House Presidential Lifetime Achievement Award.https://schoolhealthmap.wygisc.org/

Text us for a shout out! When asked what keeps him awake at night, Jamie Rhome, Deputy Director of the National Hurricane Center says he echoes the sentiments of all Hurricane Center workers who fear the devastating consequences of a Tampa Bay landfall by a major Hurricane.The results would be devastating with perhaps thousands killed, a major US port shut down with an economic ripple felt across the nation and even hospitals unable to care for patients for several days.This is just one bit of information in this episode featuring Deputy Director Jamie Rhome of the National Hurricane Center, Jonathon Falk, Disaster Director of the National Association of Home Builders, and Florida Business Forum host Sam Yates.Support the show Text 7725285185NUMBER ONE AGAIN!The Florida Business Forum Podcast is now Florida's Number One Business Forum Podcast for the second year in a row based on an independent 2025 survey of more than 400 Florida businesses and not-for-profit organizations.Produced by Yates & Associates, Public Relations & Marketing, and hosted by Emmy Award winning reporter and television anchor Sam Yates, The Florida Business Forum Podcast is your source for detailed Florida business and not-for-profit news. If you or your business or not-for-profit organization would like to share your news with our Florida, national, and international audience please contact Sam Yates, Sam@YatesPRO.com.The Florida Business Forum Podcast is the only business forum of its kind dedicated to Florida news, business, and not-for-profit organizations.Program Sponsorships are available.The Florida Business Forum Podcast is affiliated with America's Pod National News Network @PodNationalNewsNetwork-USA. The Florida Business Forum Podcast is heard throughout Florida, the United States, and 32 countries and territories.And connected to the Allegiant Alliance for AmericaSupport the showNUMBER ONE AGAIN! Text 7725285185 To Show Support! The Florida Business Forum Podcast is now Florida's Number One Business Forum Podcast for the second year in a row based on an independent 2025 survey of more than 400 Florida businesses and not-for-profit organizations. Produced by Yates & Associates, Public Relations & Marketing, and hosted by Emmy Award winning reporter and television anchor Sam Yates, The Florida Business Forum Podcast is your source for detailed Florida business and not-for-profit news. If you or your business or not-for-profit organization would like to share your news with our Florida, national, and international audience please contact Sam@YatesPRO.com. The Florida Business Forum Podcast is the only business forum of its kind dedicated to Florida news, business, and not-for-profit organizations. Program Sponsorships available.The Florida Business Forum Podcast is affiliated with America's Pod National News Network @PodNationalNewsNetwork-USA. The Florida Business Forum Podcast is heard throughout Florida, the United States, and 32 countries and territories. And connected to the Allegiant Alliance for America Super PAC. https://www.allegiantallianceforamerica.com Inquiries to Sam Yates, Sam@Yatespro.com. Or via text to 7725285185.

In partnership with the National Association of Home Builders, The New American Home 2026 spotlights cutting-edge SKS and LG innovation while supporting Jonathan's Landing Foundation and its life-changing community for adults with autism

In partnership with the National Association of Home Builders, The New American Home 2026 spotlights cutting-edge SKS and LG innovation while supporting Jonathan's Landing Foundation and its life-changing community for adults with autism

We are pleased to share this Special Edition with Jay Timmons, President and CEO of the National Association of Manufacturers (NAM). Jay has led NAM since 2011 and first joined the organization in 2005 as Executive Vice President. As the leading voice for U.S. manufacturers, NAM sits at the center of policy, economic, and workforce issues shaping American industry today. The NAM team is currently in Houston as part of its State of Manufacturing Tour, traveling across New York, Ohio, Pennsylvania, North Carolina, Wisconsin, Texas, and Arizona, to spotlight the policies and conditions needed for the U.S. to compete and win in a global economy. We were thrilled to host Jay and hear his perspective on domestic manufacturing, the evolving regulatory and trade landscape, supply chain resilience, energy policy, and the future of U.S. competitiveness in an increasingly complex global environment. In our conversation, Jay outlines what he's hearing from manufacturers on NAM's State of Manufacturing Tour, starting with energy. Manufacturers consume roughly 30% of U.S. energy, and Jay emphasizes why affordable, reliable supply and delivery infrastructure are foundational to competitiveness. We discuss tax policy and why Jay views the 2017 reforms as “rocket fuel” for manufacturing investment, hiring, and wage growth, along with the importance of durable, codified provisions that give companies the certainty to deploy long-cycle capital. We cover the workforce gap (~433,000 open manufacturing jobs today and a projected 2 million by 2033), digging into what's working on the ground, from community college partnerships to the modern return of shop class and continuous upskilling. Jay makes the case for bipartisan, skills-oriented immigration reform to support economic growth. We explore permitting and legal reform, where he emphasizes that manufacturing thrives on certainty and calls for a coordinated federal process that delivers faster “yes or no” decisions with guardrails to prevent endless litigation. On trade, we touch on tariff uncertainty, the importance of renewing and strengthening USMCA (particularly addressing transshipment), and the strategic value of North American supply chains, especially given the sizeable percent of manufacturers' customers reside outside U.S. borders. We discuss AI and supply chain realities, why Jay sees AI as additive and a multiplier for productivity, and how even running at full capacity, the U.S. can only produce about 84% of what it needs today, driving NAM's proposal for a “speed pass” to import critical inputs duty-free as domestic capacity scales. We also examine the broader manufacturing multiplier effect, the U.S.-China competitive dynamic, and why policy stability ultimately determines whether the U.S. can compete and win. It was a wide-ranging and insightful discussion and we're grateful to Jay and his team for carving out time to stop by during a busy tour. For further reading, NAM's AI & Energy Dominance Roadmap is linked here. Mike Bradley kicked off the show with a quick update, noting that broader equity markets were down modestly on the day as all eyes were focused on NVIDIA's quarterly results. NVIDIA surpassed expectations and delivered solid forward guidance, but the stock was underperforming given that investors are growing wary it can sustain this explosive revenue growth beyond the next couple of years. Thank you to Leslie Beyer for connecting us with Jay and his team. And thanks to you all for your support and friendship!

Share your Field Stories!Welcome back to Environmental Professionals Radio, Connecting the Environmental Professionals Community Through Conversation, with your hosts Laura Thorne and Nic Frederick! On today's episode, we talk with Amy Jacobs, The Nature Conservancy, Chesapeake Bay Director, about Wetland Restoration, Agricultural Water Quality, and Chesapeake Bay Conservation.  Read her full bio below.Help us continue to create great content! If you'd like to sponsor a future episode hit the support podcast button or visit www.environmentalprofessionalsradio.com/sponsor-form Showtimes:1:40 - Our favorite Airbnb experiences6:10 - Interview with Amy Jacobs Starts!12:39 - Jacobs Conservation Efforts20:02 - Approaches to the Watershed26:32 - Jacobs paddle boarding hobbyPlease be sure to ✔️subscribe, ⭐rate and ✍review. This podcast is produced by the National Association of Environmental Professions (NAEP). Check out all the NAEP has to offer at NAEP.org.Connect with Amy Jacobs at https://www.linkedin.com/in/amy-jacobs-a945041a7/Guest Bio:Amy brings over 30 years of experience in conservation, dedicating her career to making a significant impact in the Chesapeake Bay and surrounding landscapes. She began her journey with The Nature Conservancy, assessing the condition of wetlands in the Nanticoke Watershed. Amy then took a position with the Delaware Department of Natural Resources and Environmental Control, where she built a Wetland Assessment and Monitoring Program. In 2012, she returned to The Nature Conservancy for the mission and to advance restoration in the Chesapeake Bay. Amy has a proven track record of leading large-scale conservation programs, securing funding, and fostering impactful partnerships. From working to restore over 3,500 acres of floodplains along the Pocomoke River to working with private agribusiness to establish the MidAtlantic 4R Nutrient Stewardship Association that has advanced over 150,000 acres of improved farmland management in the Chesapeake region, she is passionate about driving impact on the ground. Amy holds a bachelor's degree in forestry and wildlife from Virginia Tech and a master's degree in Environmental Forest Biology from the State University of New York and Syracuse University.In her free time Amy enjoys traveling with her family, standup paddleboarding, yoga, raising funds for local food pantries, and being a groupie to her husband's band.Music CreditsIntro: Givin Me Eyes by Grace MesaOutro: Never Ending Soul Groove by Mattijs Muller Support the showThanks for listening! A new episode drops every Friday. Like, share, subscribe, and/or sponsor to help support the continuation of the show. You can find us on Twitter, Facebook, YouTube, and all your favorite podcast players.

Join us at the Seven Figure Medicare Agent Summit : https://sevenfigure.com/summit/ On this episode of the Seven Figures or Bust pod, the #1 podcast for growing your insurance business, we celebrate 200 episodes (a milestone less than 3% of shows hit) and break down the latest updates from the National Association of Benefits and Insurance Professionals (NABIP) CapCon event.We cover the leadership shakeup, what was publicly shared, and answer live Q&A from agents — plus give away 200 exclusive Turning 65 leads.

Big things are always happening in Arizona with manufacturing, why has our state become so successful at creating manufacturing jobs and investments? We asked the experts. 

In this episode of The Edge of Risk Podcast by IRMI, Joel Appelbaum welcomes Ian Davis, president of the Vermont Captive Insurance Association (VCIA), for a detailed discussion on how captive insurance advocacy works in practice. Building on a prior conversation about Vermont's legislative framework, this episode focuses on VCIA's state and federal engagement efforts—including Vermont Legislative Day and Hill Day in Washington, DC—and what captive owners, managers, and service providers should be tracking in today's regulatory environment. Mr. Davis explains how VCIA sets advocacy priorities, collaborates with regulators, and proactively engages policymakers on issues such as Terrorism Risk Insurance Act reauthorization, National Association of Insurance Commissioners model law discussions, federal tax developments, and emerging regulatory concerns. The conversation highlights how education, relationship-building, and real-world captive owner participation shape effective advocacy—and why staying informed early is critical for the broader captive community.

In this episode, Dr. Helen Figge, Chief Strategy Officer at MedicaSoft, Immediate Past President of the HIMSS NYS Chapter, and board member of National Association of Health Data Organizations and Maria College, shares how her clinical background shapes practical, sustainable decision making in health IT. She discusses closing credibility gaps between clinicians and executives, the power of communication in leadership, and why grounding innovation in real world experience is essential for lasting change.This episode is sponsored by MedicaSoft.

Are you taking full advantage of your REALTOR membership? 2026 MAR President DeShawn Davis and CEO Beth Hansen sit down with Rhonny Barragan from the National Association of REALTORS to discuss the REALTOR Benefits program and how members can better leverage exclusive partnerships and cost-saving tools. During this episode, you'll hear how the program is developed, how it fits into NAR's long-term strategy, and most importantly, how you can be more intentional about using the benefits already included in your membership. If you've ever wondered whether you're truly taking full advantage of your membership, this conversation will point you in the right direction.

What happens when a body arrives at a hospital morgue without any record of how it got there? In this episode of The Box of Oddities, Kat and Jethro examine a disturbing class of real-world cases involving unidentified bodies that appear in hospital morgues with no paperwork, no chain of custody, and no clear explanation. The episode begins with a firsthand email from a night-shift worker who briefly stepped away from an empty morgue—only to return to find a body placed neatly in the room, as if it had always belonged there. From that moment, the discussion expands into documented incidents across U.S. hospitals and medical examiner offices, where decedents entered official custody before they technically existed in the system. Drawing on acknowledged cases in California and Illinois, professional standards from the National Association of Medical Examiners, and historical precedent, Kat and Jethro explore how modern medical systems quietly normalize these unexplained arrivals by assigning case numbers and moving forward—without ever addressing the moment something appeared where nothing had been before. The episode then shifts to a seemingly unrelated but deeply connected subject: how human societies remember lives at all. Long before databases and paperwork, entire civilizations relied on living memory. Kat and Jethro explore the tradition of griots and other oral historians across West Africa, Europe, the Americas, and Asia—individuals entrusted with preserving genealogies, histories, and identities entirely through story, music, and performance. Backed by neuroscience research, the episode examines why rhythm and narrative are so effective at preserving memory, even when written records fail. Together, these two topics form a quiet, unsettling question at the heart of the episode: what happens when systems designed to document human existence fall short—and who remembers us when they do? Grounded in documented cases, historical tradition, and modern science, this episode blends true mystery with cultural insight, revealing how bodies can arrive without histories, and histories can survive without bodies. Learn more about your ad choices. Visit megaphone.fm/adchoices

A racial slur at the British Film Awards is the latest of several recent public racist incidents that have left Black people feeling dehumanized and disrespected. Today on In the Loop, how much longer will Black and Brown people be asked to extend grace that they are often not afforded? We talk about healing from racial trauma with Pilar Audain, associate director of Truth, Racial Healing, and Transformation Greater Chicago; Brandon Pope, president of the Chicago chapter of the National Association of Black Journalists; and Danielle Robinson Bell, associate professor at Northwestern University's Medill School of Journalism. For a full archive of In the Loop interviews, head over to wbez.org/intheloop.

DOD – Disrupter Disrupters China markets reopening after Lunar New Year Mexico Cartel Wars Refunds requested for the illegal tariffs PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - The CTP for Caterpillar announced - DOD - Disrupter Disrupters - China markets reopening after Lunar New Year - Mexico Cartel Wars (Jalisco) Markets - Mortgage Rates - looking good! - Tariffs found illegal - that is not stopping anything - Refunds requested for the illegal tariffs - Monday's big drop and AI taking a bite out of stock prices Tariffs - First, who actually knows what is going on. 100% chaos - Supreme court ruled illegal (6-3) - 10% flat across all countries immediately added - Wait a day and make that 15% - FedEx seeks refund for illegal IEEPA tariffs imposed by Trump after the Supreme Court ruled Trump's tariffs exceeded authority - Numerous lawsuits expected for IEEPA tariff refunds - Apple has spent more than $3 billion on tariffs since President Donald Trump enacted his trade policies. What about that? (HOW TO FIGURE OUT WHO GETS THE REFUND) --- Estimate that $175B tariffs have been collected alreay - A group of 22 U.S. Senate Democrats on Monday introduced legislation that would require President Donald Trump's administration to fully refund within 180 days all of the revenue, with interest, collected from tariffs struck down by the U.S. Supreme Court. - The legislation would require the Customs and Border Protection agency, which collects tariffs at U.S. ports of entry, to prioritize small businesses. - The U.S. Customs and Border Protection agency said it will halt collections of tariffs imposed under the International Emergency Economic Powers Act at 12:01 a.m. EST (0501 GMT) on Tuesday Stop The Presses - After years of JCD's rants....... - Apple will soon introduce MacBooks with touch screens - Apple Inc.'s initial touch Macs will have the Dynamic Island at the center top of the display and OLED screen technology. The new MacBook Pro models will have a refreshed, dynamic user interface that can shift between being optimized for touch or point-and-click input. Europe Reacts - "The current situation is not conducive to delivering 'fair, balanced, and mutually beneficial' transatlantic trade and investment, as agreed to by both sides" in the joint statement setting out the terms of last year's trade agreement, the Commission said. "A deal is a deal." - All active discussions are halted on any USA/Europe trade deal The Potential Winners - Brazil and China may be the winners here - Chinese President Xi Jinping has a boost in bargaining power after the US Supreme Court invalidated Donald Trump's broad emergency tariffs, a key point of leverage over China. - The removal of tariff threats will make it harder for Trump to press Xi for larger purchases of certain products and leaves him without a key weapon to strike back if Chinese negotiators make fresh demands. - Xi's team will likely push harder for access to advanced semiconductors, the removal of trade restrictions on Chinese companies, and reduced US support for self-ruled Taiwan, according to Wu Xinbo, director at Fudan University's Center for American Studies. NVDA Earnings - NVIDIA drops its fiscal Q4 2026 (ended Jan 2025) results tomorrow—another make-or-break moment for the AI trade. - The bar is sky-high after years of blowout beats, but whispers of "peak AI" and slowing growth momentum have investors on edge. --- Consensus Expectations : ----Revenue: ~$65.6–$66.1 billion (up ~67–68% YoY from last year's ~$39B; guided $65B ±2% in prior report) ------EPS (adjusted/non-GAAP): ~$1.50–$1.53 (up ~70–72% YoY from $0.89). --------Gross margins: Targeting ~75% non-GAAP (holding strong despite supply chain noise). -----------Key driver: Data Center segment expected to crush ~$58–$60B, fueled by Blackwell ramp and hyperscaler spend. Home Depot Earnings - The home-improvement retailer gained 2.7% after posting fourth-quarter adjusted earnings of $2.72 per share on revenues of $38.20 billion. - That exceeded the per-share earnings of $2.54 on revenues of $38.12 billion expected by analysts polled by LSEG. AMD News - The semiconductor maker rose about 11% after it inked a multiyear deal with Meta to lend up to 6 gigawatts of its graphics processing units to artificial intelligence data centers. - The cost of the deal is unclear, but the companies' agreement includes a a performance-based warrant that could amount to up to 160 million of AMD shares, according to a statement dated Tuesday. - Meta has committed to deploying up to 6 gigawatts (GW) of AMD's Instinct GPUs (high-end graphics processing units optimized for AI workloads) to power its massive AI data centers. - Analysts estimate the GPU portion alone could be worth $60–$100+ billion over 5+ years Mortgage Rates - The average rate on the popular 30-year fixed mortgage fell to 5.99% on Monday, according to Mortgage News Daily, matching its lowest levels since 2022. - Last year at this time the rate was 6.89%. - A buyer putting 20% down on the median priced home, about $400,000 according to the National Association of Realtors, would have a monthly payment of $1,916 for the principal and interest. One year ago, that payment would have been $2,105, a difference of $189. Life Insurance Record - Manulife Financial Corp. sold a $300 million life insurance policy in Singapore, topping what Guinness World Records certified as the most valuable policy ever issued. - The policy surpasses the previous record of $250 million, set by HSBC Life in Hong Kong in 2024. Manulife said in a statement Tuesday that the deal reflects growing demand from ultra-wealthy clients to preserve their assets. - In Singapore over the past 12 months, Manulife has issued 25 individual policies each worth more than $50 million. Bitcoin Rout - Gemini said it was axing as much as a quarter of its staff and exiting the UK, European Union and Australia entirely. - This week, it parted with its chief operating officer, chief financial officer and chief legal officer, all in a single day. - Its stock has fallen more than 80% from a post-listing high last year, collapsing its market value from a peak of almost $4 billion to under $700 million. Over the Greenland - USA sending a "hospital ship" over - Trump's post on the ship came hours after Denmark's Joint Arctic Command said it had evacuated a crew member who required urgent medical treatment from a U.S. submarine in Greenlandic waters, seven nautical miles outside of Greenland's capital, Nuuk. - Greenland said thanks but no thanks So Long! - U.S. investors are pulling money out of their own stock market at the fastest pace in at least 16 years as Big Tech returns fade and better-performing overseas markets look more attractive. - In the last six months, U.S.-domiciled investors have pulled some $75 billion from U.S. equity products, with $52 billion flowing out since the start of 2026 alone, the most in the first eight weeks of the year since at least 2010 AI Disruption - DOD (Disruption of Disrupters) - CrowdStrike -9.8% and other cybersecurity names under heavy pressure again as AI disruption fears build following Anthropic's Claude Code release - - Cybersecurity stocks are under broad pressure today, extending recent weakness following Friday's launch of Claude Code Security by Anthropic. Claude Code Security scans codebases for vulnerabilities and suggests software patches for human review, fueling a narrative that AI platforms may be moving more quickly into parts of the security workflow than investors had previously expected. For cybersecurity, that raises concern around the forward demand outlook and competitive positioning, particularly in areas tied to application security, cloud security, identity workflows, and security operations automation, where AI-native tools could start to narrow perceived differentiation. - The move suggests investors are still sorting through the implications for product overlap, pricing power, and competitive positioning as AI capabilities evolve quickly. - IBM shares dropping toward lows of the session; attributed to news that Claude can automate cobol modernization COBOL (Common Business-Oriented Language) is a high-level, English-like programming language created in 1959 for business, finance, and administrative data processing. It is renowned for its verbosity, readability, and reliability, processing massive amounts of transactions on mainframe systems,, notes NetCom Learning and IBM. Despite being decades old, it remains critical in banking, insurance, and government sectors. - It is estimated that 70-80% of the world's business transactions are processed by COBOL Grok's Prediction about Future of OpenAi/ChatGPT Scenario Likelihood (My Estimate) Key Factors Outcome for OpenAI/ChatGPT Thriving Leader Medium (40%) Sustained breakthroughs, partnerships (e.g., Microsoft), regulatory wins OpenAI as AI giant; ChatGPT as ecosystem hub for agents/robots Evolved Survivor High (50%) Adaptation to agents/hardware; mergers Exists but rebranded; ChatGPT integrated into daily life tools Decline/Acquisition Low (10%) Overcompetition, funding collapse Absorbed or legacy; ChatGPT commoditized or obsolete Quick check on Europe Shares - European company earnings growth is picking up this reporting season against a tentatively improving economic backdrop, but wary investors are demanding more than solid results to justify sky-high valuations. - Companies representing 57% of Europe's market capitalization have reported so far, achieving average earnings growth of 3.9% in the fourth quarter, ahead of estimates for a final result of a contraction of 1.1% --- That is a big differential.... +3.9 vs -1.1 Iran Talks - News over the weekend that Iran will look to discuss a variety of items and potentially get a deal.... energy, mining and aircraft - Best guess: Iran will string us along like Russia is doing and we will say we have some kind of bogus deal. --- There is some talk of US "going in" as we are building military presence. Supposedly there are some saying it could be a multi-week incursion. - What is the plan - Regime change? What is this? - A divided Supreme Court on Tuesday ruled that Americans can't sue the U.S. Postal Service, even when employees deliberately refuse to deliver mail. - By a 5-4 vote, the justices ruled against a Texas landlord, Lebene Konan, who alleges her mail was intentionally withheld for two years. Konan, who is Black, claims racial prejudice played a role in postal employees' actions. - Justice Clarence Thomas, writing for a majority of five conservative justices, said the federal law that generally shields the Postal Service from lawsuits over missing, lost and undelivered mail includes “the intentional nondelivery of mail.” - So can ballots just be thrown in garbage for mail-ins for one party that will throw out another party's?     Love the Show? Then how about a Donation? HE CLOSEST TO THE PIN for CATERPILLAR Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt!     FED AND CRYPTO LIMERICKS   See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Surging electricity demand is pushing the grid to its limits, prompting regulators and innovators to expand the system without sacrificing reliability or affordability. In this episode of the Grid Talk Series on The EPRI Current, Marty Rosenberg meets with Ann Rendahl, President of the National Association of Regulatory Utility Commissioners (NARUC), a commissioner with the Washington Utilities and Transportation     Commission, and a member of EPRI's Advisory Council, to explore how state regulators are navigating rapid changes to the electric grid. Rendahl discusses the sharp rise in electricity demand and its implications for rates, infrastructure investment, and long-term reliability. They also discuss how regulators are working to protect customers from stranded costs, balance an evolving generation mix, and manage growing risks from wildfires, cybersecurity threats, and climate impacts on hydropower. To get EPRI's Take, host Samantha Gilman speaks with Morgan Scott, EPRI's VP of Global Outreach Partnerships, about where innovation is most urgently needed as electricity demand accelerates. Scott highlights the increasing load data centers could account for by 2030 and explains why meeting that challenge will require advances in generation, grid-enhancing technologies, and flexibility at both the customer and data center levels. She also reframes the conversation around affordability – distinguishing the rising cost of electricity from its growing value within the broader “energy wallet” for consumers.     For more information and episodes visit EPRI.com.     If you enjoy this podcast, please subscribe and share! And please consider leaving a review and rating on Apple Podcasts/iTunes.    Follow EPRI: LinkedIn https://www.linkedin.com/company/epri/  Twitter https://twitter.com/EPRINews    EPRI Current examines key issues and new R&D impacting the energy transition. Each episode features insights from EPRI, the world's preeminent independent, non-profit energy research and development organization, and from other energy industry leaders. We also discuss how innovative technologies are shaping the global energy future. Learn more at www.epri.com   

About the Guest – Debbi DiMaggio Debbi DiMaggio is a Realtor® with The DiMaggio Betta Group at Corcoran Icon Properties, serving both the Bay Area and Beverly Hills. For over 35 years, Debbi has worked alongside her husband and business partner, Adam Betta, helping clients navigate life's biggest transitions — from upsizing and downsizing to relocation and starting fresh. Her approach is rooted in collaboration and compassion, two values that have defined her career and her life's work. Debbi is a proud member of the National Association of Divorce Professionals (NADP) and holds the Senior Real Estate Specialist (SRES) designation, offering clients both expertise and empathy during sensitive life changes. She believes real estate is never just about the transaction — it's about people, stories, and the journey of transformation. A lifelong learner, Debbi consistently attends industry events, takes advanced courses, and participates in webinars to stay ahead of market trends and elevate the service she provides. She is also the host of the inspiring podcast Mastering the Art of Success, where she interviews entrepreneurs, thought leaders, and creatives who share insights on living with passion, purpose, and positivity. Through her work, Debbi continues to inspire others to dream big, take action, and embrace change with grace. Connect with Debbi: Instagram: https://www.instagram.com/debbidimaggio/?hl=en YouTube: https://www.youtube.com/playlist?list=PLhL7l7e6Koz18x0CGA6qHtlDxz0EwXgGh Facebook: https://www.facebook.com/debbi.dimaggio/ Website: https://debbidimaggio.com/ ________________ What you'll learn in this episode: ● Why loving what you do is the foundation of long-term sales success ● How to build real relationships in a world of texting and automation ● Why uncertain markets create opportunity for strategic buyers ● The “Mindset in Motion” framework: Goal → Believe → Internalize → Share → Activate ● How to protect your goals from negativity and surround yourself with support ● Why activation — not just intention — separates dreamers from achievers ● How discipline and belief can help you accomplish goals you once thought impossible To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan RochonTeach to Sell Preorder: Teach to Sell: Why Top Performers Never Sell – And What They Do Instead

What happens when cybersecurity is no longer the No. 1 priority for state CIOs? On this episode of Gov Tech Today, hosts Russell Lowery and Jennifer Saha break down the National Association of State CIOs (NASCIO) annual Top 10 list for 2026—and the major shakeup that put AI, including generative and agentic AI and machine learning, at the top for the first time in more than a decade. 00:00 Welcome to Gov Tech Today + What's Coming Up00:23 What the NASCIO Top 10 List Is (and Why It Matters)01:24 Major Shakeup: AI Takes the #1 Spot03:00 #2 Cybersecurity: Still Critical, Now Shaped by AI04:58 #3 Budget & Cost Pressures Move Up the Rankings06:15 #4 Modernization: Tackling Legacy Systems (and Funding It)07:28 #5 Digital Government Services Debut in the Top 1008:23 #6 Accessibility: New Federal Rules Drive State Action09:20 #7–#8 IAM + Data/Analytics: The “Foundation” Priorities13:20 #9 Consolidation & Optimization: Fewer Systems, More Shared Platforms16:25 #10 Cloud Services: From Trendy to Ubiquitous (Cloud Smart)17:56 Wrap-Up: Thanks to NASCIO and State CIOs

After years of turbulence, lawsuits, and industry shakeups, the National Association of REALTORS is making a bold marketing reset. In this episode, James and Keith sit down with Bennett Richardson, Chief Marketing & Communications Officer at NAR, to unpack the strategy behind the new "More Than Opening Doors" campaign and what it signals about the future of the REALTOR brand. From rebuilding trust and breaking out of a bunker mentality to leveraging AI-driven media targeting and first-time homebuyer insights, Bennett pulls back the curtain on how NAR is redefining its voice. This is a candid conversation about leadership, storytelling, industry perception, and why Realtors must reclaim their narrative before someone else tells it for them. If you care about the future of the Realtor brand and your place in it this one matters. Links mentioned during the episode: https://youtu.be/vEGGAgMr01M https://youtu.be/R3zOh0fvD30   Connect with Bennett on LinkedIn.   Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show, send us an email: jessica@inman.com You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube, Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/  

This week's Open Mic guest is Ted McKinney, CEO of the National Association of State Departments of Agriculture. Following the group's Winter Policy Conference, McKinney says state ag leaders are hoping Congress can make progress on a new farm bill. The group's policy priorities include pesticide regulations, labor policy reform, regional food procurement as well as livestock disease preparedness and traceability. He also explains why state ag leaders support renewing the USMCA trade accord. 

Builder confidence in the single-family housing market slipped again in February, according to the latest Housing Market Index from the National Association of Home Builders. The index fell to 36, marking the second straight monthly decline and signaling continued weakness in builder sentiment. Affordability remains the biggest challenge. High home price-to-income ratios, elevated land costs, and stubborn construction expenses are keeping many buyers on the sidelines. Even with incentives widely available, buyer traffic remains low. In this episode, Kathy Fettke breaks down what falling builder confidence means for housing supply, pricing power, remodeling demand, and real estate investors in 2026. If inflation eases and mortgage rates follow, conditions could improve — but for now, affordability continues to shape the market.

Seven Strategies for Building Your Grandparenting Skills Portfolio with Drs. Michelle Watson Canfield and Ken CanfieldAs grandparents, we have a unique opportunity to positively shape our grandchildren's lives. By recognizing our challenges and embracing our callings, we can nurture our family and find fulfillment in our role as grandparents.Listen in as Drs. Michelle and Ken Canfield share how we strategically can be godly role models to our children and grandchildren. This conversation will encourage you to process patterns in your own life and further invest in growing and enhancing your grand parenting skills portfolio. And you'll receive seven helpful strategies.The Canfields have five children and 19 grandchildren. They both have their PhD's and Michelle has her LPC. Both are nationally known leaders and have committed their lives to strengthening families. Dr. Ken founded and is president of the National Center for Fathering as well as the National Association for Grand parenting. He's the author of several books including 7 Secrets of Effective Fathers and The Heart of Grandparenting. You can listen to him on several radio shows too! Michelle has counseled people for over 30 years and is the founder of The Abba Project, a forum for dads whose daughters are in their teens and 20's. Michelle also is an author and has written several books including Dad: Here's What I Really Need From You: A Guide For Connecting With Your Daughter's Heart. Michelle also hosts The Dad Whisperer Podcast. (Both of them do lots more and we'll hear about that too!)The Canfields offer encouraging ways to leave a legacy of love, wisdom and faith that will guide future generations. Thanks for tuning in.To reach Ken Canfield PhD.To reach Michelle Watson Canfield PhD, LPC.To reach Charlotte.FREE PDF of 7 Strategies For Building Your Grandparenting Skills Portfolio.

The real estate industry is at a tipping point, and REALTORS® are asking hard questions about representation, relevance, and trust. In this crossover episode from Under All Is The Land (co-hosted with Rob Hahn), we unpack NAR's new strategic plan and what it signals about the future of organized real estate. This isn't a rant. It's a leadership conversation. Because when members feel unheard, strategy alone won't fix it. Whether you're fired up or simply trying to make sense of the direction of the industry, this discussion will challenge you to think bigger about professionalism, advocacy, and who the association truly serves.   Key takeaways to listen for Why the gap between REALTORS® and NAR leadership feels wider than ever What "homeownership advocacy" should mean in today's market How perception and credibility impact member trust The difference between messaging about professionalism and living it What grassroots energy could mean for the future of organized real estate   Resources mentioned in this episode National Association of REALTORS® Good Neighbor Awards REALTORS® Relief Foundation NAR Accepts Its Irrelevance, Counters with Platitudes Race for Relevance by Harrison Coerver & Mary Byers   About Under All Is The Land If you enjoy this conversation, subscribe to Under All Is The Land, where Leigh and Rob break down the policy, power, and politics shaping real estate — without spin. Watch and subscribe: https://www.youtube.com/@UnderAllPodcast Referenced episode: Under All is the Land Ep. 5: The new NAR Strat Plan   About Rob Hahn Rob Hahn ("Notorious ROB") is one of real estate's most influential industry analysts, known for challenging assumptions, poking sacred cows, and pushing the business toward deeper integrity and clearer thinking. He focuses on Associations, MLS structures, governance, and the intersection of real estate and public policy.   Follow Rob YouTube: Under All Is The Land X: @robhahn   About Leigh Brown Leigh Brown is a leadership voice and keynote speaker who helps people navigate disruption and lead when the ground is shifting. Her latest book, Next Is Now, is a call to stop waiting and start leading.

OA1236 - Elections grab bag! Election news has been accumulating, so Jenessa helps us get caught up on what's going on. Who's winning elections? What's going on with redistricting? Heard something confusing about the mail? Trump back on his bullshit again? Good news, mixed news, debunking alleged bad news, bad news with plans for how to turn things around; we've got it all. Updates since we recorded: The SAVE America Act passed the House. Also the affidavit for the warrant in Georgia was unsealed. We'll talk about it soon, but the short version is these people really still believe in election conspiracy theories. It's gross. We'll survive. John Hanna & Julie Carr Smyth (Feb. 1, 2026). Texas stunner: Democrat Taylor Rehmet flips Republican state Senate district Trump won by 17 points, Associated Press. Amy Howe (Feb. 4, 2026). Supreme Court allows California to use congressional map benefitting Democrats, SCOTUSBlog. Tangipa v. Newsom (docket and SCOTUSBlog coverage), SCOTUSBlog. Abbott v. League of United Latin American Citizens (docket and SCOTUSBlog coverage), SCOTUSBlog. H.R.7296 - SAVE America Act, Congress.gov. H.R.7300 - Make Elections Great Again Act. Congress.gov. Domestic Mail Manual 608.11 Domestic Mail Manual amendment explanation (Nov. 24, 2025). Postmarks and Postal Possession, Federal Register. 39 CFR Part 111 Dan Mooney, What Is RTO? Why Do We Have It?, National Association of Postal Supervisors (Aug. 19, 2025)  Regional Transportation Optimization (RTO) initiative. (Feb. 2, 2025). Service Standards for Market-Dominant Mail Products, Federal Register. 39 CFR Part 121 Track Your Ballot or Ballot Application, Vote.org. 2 U.S.C. § 7 - Time of election (Dec. 24, 2025). Table 11: Receipt and Postmark Deadlines for Absentee/Mail Ballots, National Conference of State Legislatures. Evan Lee (Jan. 15, 2026) Court holds that all candidates can challenge rules governing vote counting in elections, SCOTUSBlog. Bost v. Illinois State Board of Elections, 607 U.S. __ (2026). Bost v. Illinois State Board of Elections (docket and SCOTUSBlog coverage), SCOTUSBlog. Amy Howe (Nov. 10, 2025). Justices agree to decide major election law case, SCOTUSBlog. Watson v. Republican National Committee (Election Law) (docket and SCOTUSBlog coverage), SCOTUSBlog. Check out the OA Linktree for all the places to go and things to do!

1.30.2026 #RolandMartinUnfiltered: Don Lemon, Georgia Fort Arrested Over Church Protest. Press Freedom on the Line Under Trump. Former CNN anchor and journalist Don Lemon and independent Minnesota journalist Georgia Fort were arrested along with two others in connection to the Minnesota church protests. Lemons predicted his arrest would still happen after the Department of Justice abandoned his arrest warrant on Tuesday. Lemon says he was there reporting--not protesting and, a judge recently rejected prosecutors attempts for his arrest. The question now is, what does this mean for our first amendments rights, what does it mean for journalists reporting real news -- and, what does it mean for people who challenge power and injustice under this Trump administration? Tonight, we talk with Erin Haines, President of the National Association of Black Journalists, and Octavia Treadway, Chair of the Center for Broadcast Journalism, to unpack the implications for journalists and the public. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Stacey Allen. The founder and artistic director of Nia’s Daughters Movement Collective. This episode blends art, activism, education, and cultural preservation through the lens of Black history and dance. Here are the key highlights:

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Stacey Allen. The founder and artistic director of Nia’s Daughters Movement Collective. This episode blends art, activism, education, and cultural preservation through the lens of Black history and dance. Here are the key highlights: