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Send us a textIn this “for what it's worth” episode, Ernest breaks down the ongoing deportation crisis at the White House, David Hogg's bold plan to buck against the Democratic establishment, an interesting revelation from the Philly Sheriff's Office, the cinematic genius for the "Sinners" film, about that awful "Pop the Balloon" remake on Netflix, and much more.Ernestly Speaking! is executively produced and hosted by Ernest Owens. Check him out at ernestowens.com and follow him @MrErnestOwens on Twitter & Instagram.
@La_Torre_Live new ep with @tonywlepore @BritCrampsie/Art's Shirt/Masters Recap/Biden's alive!/PA Governor's Mansion attack/@DavetheDemocrat is back!/What We're Watching
A daily non-partisan, conversational breakdown of today's top news and breaking news stories Headlines: – El Salvador Doesn't Plan To Send Back Man US Accidentally Deported, Trump Doesn't Want Him Back (04:30) – Suspect in Pennsylvania Governor's Mansion Fire Charged With Terrorism (16:40) – Harvard Refuses To Surrender Independence After Trump Threats (23:40) – Nvidia To Mass Produce AI supercomputers In Texas As Part Of $500 Billion U.S. Push (27:20) – Months After CEO's Killing, Intruder Arrested Near UnitedHealthcare Headquarters In Minnesota (30:45) – Meta Antitrust Trial Kicks Off In Federal Court (31:50) – Blue Origin Completes Space Trip Featuring All-Female Crew (35:00) – On This Day In History (40:30) Thanks To Our Sponsors: – Shopify – $1 per-month trial Code: monews – Industrious - Coworking office. 30% off day pass – Athletic Greens – AG1 Powder + 1 year of free Vitamin D & 5 free travel packs – Boll & Branch – 15% off, plus free shipping on your first set of sheets – ZocDoc - Book Top-Rated Doctors
A Harrisburg man has been arraigned on six felony charges for allegedly setting fire to the state governor’s residence. Some state lawmakers worry the timing of the arson – during Passover – is not coincidental. Pennsylvania officials worry that President Trump’s tariff policies are making global trade more expensive, threatening local businesses and jobs, and hurting affordability. The Pennsylvania Department of Health has confirmed that a patient who tested positive for measles visited Lancaster County's WellSpan Ephrata Community Hospital. Students at Lebanon Valley College recently got the experience of recording and producing an album.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.
Welcome to The Politicana Podcast — your go-to source for thought-provoking political insights, sharp analysis, funny commentary, and lively debates! This week's episode is hilarious and we hope you all enjoy!Be sure to follow us on your favorite podcast platform for instant updates on new episodes and Share the podcast to help us grow!For questions and inquiries, reach out to us at Backofthemob@gmail.com.Facebook -> https://bit.ly/3F5YtWcX/Twitter -> https://x.com/Tylers_FatoTikTok -> www.tiktok.com/@notfakenewsYoutube -> https://www.youtube.com/@NotFakeNewsNetwork
Episode 1689 - Brought to you by our incredible sponsors: FitBod: Level up your workout. Join Fitbod today to get your personalized workout plan. Get 25% off your subscription or try the app FREE for seven days at Fitbod.me/HARDFACTOR Turtle Beach: Head to TurtleBeach.com and use code HARDFACTOR for 10% off your entire order Factor Meals: The Best Premade Meal Delivery Service on Earth - Get started at factormeals.com/hardfactor50off and use code hardfactor50off to get 50% off your first box plus free shipping. BRUNT Workwear: Get $10 Off at BRUNT with code HARDFACTOR at https://www.Bruntworkwear.com/HARDFACTOR #Bruntpod #sponsored Timestamps: 00:01:40 Story teases 00:05:30 Chinese government issues warning to its light citizens they could get blown away with strong winds 00:15:10 PA Governor's mansion firebombed by a real character, we explore his facebook page 00:29:05 The worst abortion story you might ever hear! 00:39:55 All the helicopter news & crashes you need to know about, including the Hudson River crash Thank you for listening!! Patreon.com/hardfactor to support the pod, join our community, the discord chat and get access to up to 3 Weekly Bonus Podcasts. Most importantly, HAGFD! Learn more about your ad choices. Visit megaphone.fm/adchoices
A daily non-partisan, conversational breakdown of today's top news and breaking news stories Headlines: – Immigration Updates: The Courts Rule On Major Deportation Cases (02:50) – Iran Seeks Sanctions Relief for Nuclear Limits in Talks With U.S. (13:45) – Arson Fire at Pennsylvania Governor's Residence (18:30) – Commerce Secretary Lutnick Says Tariff Exemptions For Electronics Are Only Temporary (22:00) – Critics Warn RFK Jr. Is Giving "False Hope" On Autism By Promising Info On Cause By September (25:45) – REAL ID Deadline Approaching: What To Know (28:20) – Gayle King, Katy Perry Among Crew Of All Women Launching To Space Monday (30:20) – On This Day In History (33:00) Thanks To Our Sponsors: – Shopify – $1 per-month trial Code: monews – Industrious - Coworking office. 30% off day pass – Athletic Greens – AG1 Powder + 1 year of free Vitamin D & 5 free travel packs – Boll & Branch – 15% off, plus free shipping on your first set of sheets – ZocDoc - Book Top-Rated Doctors
For more coverage on the issues that matter to you, download the WMAL app, visit WMAL.com or tune in live on WMAL-FM 105.9 from 9:00am-12:00pm Monday-Friday To join the conversation, check us out on X @WMAL and @ChrisPlanteShow Learn more about your ad choices. Visit podcastchoices.com/adchoices
There is no excuse for fire bombing the Governor of Pennsylvania's mansion. But there is also no excuse for the local ABC news station to blame conservative anti-democrat ideology as the motive. Yet, this is exactly what the so called news outlet did! Plus, Sunday night, 60 Minutes went on the Trump warpath. Attacking President Trump on everything from Greenland to Ukraine. President Trump is now threatening to sue CBS for defamation. There is one catch, he will have to prove CBS acted with malice. I'll explain why that may be easier than you think. And a mass shooting in California has the police refusing the identify the shooter even though there is photo and video evidence of who he is. Go figure, he's a minority. Leftist cops need to stop protecting criminals simply because the criminal doesn't fit their narrative. Go to http://freegoldguide.com/grant or call 800 458 7356 for your free Colonial Metals Group retirement protection kit – created specifically for our listeners where you can get up to $7500 in free Silver. www.EnergizedHealth.com/Grant www.PatriotMobile.com/Grantwww.Get21Now.comTWC.Health/Grant Use "Grant" for 10% Off See omnystudio.com/listener for privacy information.
The Trump administration contends it has no duty to return an illegally deported man to the US. A man accused of setting fire to the Pennsylvania governor's residence has been arrested and much more. Host: Sharon Reed (@SharonReedLive) Guest host: Maz Jobrani (@MazJobrani) *** SUBSCRIBE on YOUTUBE ☞ https://www.youtube.com/IndisputableTYT FOLLOW US ON: FACEBOOK ☞ https://www.facebook.com/IndisputableTYT TWITTER ☞ https://www.twitter.com/IndisputableTYT INSTAGRAM ☞ https://www.instagram.com/IndisputableTYT Learn more about your ad choices. Visit megaphone.fm/adchoices
Thanks for listening to The Morning Five! Thanks for listening, rating/subscribing The Morning Five on your favorite podcast platform. Learn more about the work of CCPL at www.ccpubliclife.org. Michael's new book, The Spirit of Our Politics: Spiritual Formation and the Renovation of Public Life, is now available! You can order on Amazon, Bookshop.org, Barnes & Noble, or at your favorite local bookstore. Join the conversation and follow us at: Instagram: @michaelwear, @ccpubliclife Twitter: @MichaelRWear, @ccpubliclifeAnd check out @tsfnetwork Music by: King Sis #politics #faith #prayer #tariffs #China #SEC #Trump #publicopinion #antisemitism #JoshShapiro #economy Learn more about your ad choices. Visit megaphone.fm/adchoices
In the 7 AM Hour: Larry O’Connor and Julie Gunlock discussed: WMAL GUEST: 7:05 AM - INTERVIEW - JOE DIGENOVA - legal analyst and former U.S. Attorney to the District of Columbia NO ROGUE RULINGS ACT: Mike Johnson says No Rogue Rulings Act will fix ‘real abuse’ in judicial system Columbia University activist Mahmoud Khalil can be deported, immigration judge rules AP: US still won’t say whether it will return mistakenly deported man, despite Supreme Court decisionTrump is ‘fully fit’ to serve as commander in chief, his doctor says after recent physical' WMAL GUEST: 7:35 AM - INTERVIEW - JONATHAN SCHANZER - Executive Director of Foundation for Defense of Democracies (FDD) and former U.S. Treasury terror finance analyst on Iran talks SOCIAL MEDIA: https://x.com/JSchanzerTrump team holds 'constructive' face-to-face nuclear talks with Iran, will meet again next weekend Suspect arrested after arson at Pennsylvania governor’s house forced Shapiro and family to evacuate Where to find more about WMAL's morning show: Follow the Show Podcasts on Apple podcasts, Audible and Spotify. Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @Jgunlock, @patricepinkfile, and @heatherhunterdc. Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Show Website: https://www.wmal.com/oconnor-company/ How to listen live weekdays from 5 to 9 AM: https://www.wmal.com/listenlive/ Episode: Monday, April 14, 2025 / 7 AM Hour See omnystudio.com/listener for privacy information.
In the 5 AM HOUR: Larry O’Connor and Julie Gunlock discussed: Suspect arrested after arson at Pennsylvania governor’s house forced Shapiro and family to evacuate REPORT: Trump appears to snub RFK Jr.’s wife Cheryl Hines while entering UFC fights Taylor Lorenz defends Luigi Mangione fangirls in glib CNN interview: ‘Morally good man’ Where to find more about WMAL's morning show: Follow the Show Podcasts on Apple podcasts, Audible and Spotify. Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @Jgunlock, @patricepinkfile, and @heatherhunterdc. Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Show Website: https://www.wmal.com/oconnor-company/ How to listen live weekdays from 5 to 9 AM: https://www.wmal.com/listenlive/ Episode: Monday, April 14, 2025 / 5 AM Hour See omnystudio.com/listener for privacy information.
Dems believe that the US military cannot be used to defend the homeland. Exports from China surge. Tariff pause on electronics from China. Palm Sunday attack on Ukraine from Russia. Trump in excellent health because he plays golf. Tony as a public service will wake your kid up. PA Governor’s House set on fire after Passover with the Governor and family inside. Angry teachers to protest at the Statehouse today. Property tax march on the statehouse is NOT the same as what the teachers are doing today. Booker has no evidence that Trump engaged in inside trading when he told the public to go buy stocks. Fat guy chair. IN GOP just isn’t bold. The tariff pause on electronics is temporary. Beginning this fall, Notre Dame will sell alcoholic beverages at concession stands at basketball, football, and hockey games. What kind of pressure can be put on China. Bill Maher's meeting with Donald TrumpSee omnystudio.com/listener for privacy information.
Dems believe that the US military cannot be used to defend the homeland. Exports from China surge. Tariff pause on electronics from China. Palm Sunday attack on Ukraine from Russia. Trump in excellent health because he plays golf. Tony as a public service will wake your kid up. PA Governor’s House set on fire after Passover with the Governor and family inside.See omnystudio.com/listener for privacy information.
Cody Balmer allegedly climbed a fence to infiltrate the grounds, bringing homemade incendiary devices with him. Firefighters responded to the Governor's residence in Harrisburg around 2 a.m. on Sunday, as confirmed by Fire Chief Brian Enterline.See omnystudio.com/listener for privacy information.
ALSO: Arrest in PA Governor's mansion fire... Pacers author stunning comeback to reach milestone winSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Join Pitt Girl, Commish, Lord of the Spreadsheets Kevin and Big Sky Brigit, along with VP of Podcast Production, Arthur. We talk Pitt Basketball called by the PA Governor, NAU's ASTROJACKS, FAU's Seinfeld night, upside down jersey charity fund, Arthur brings us NBA All Star weekend news and fixes, SPURS DQ'd, hire Mac McClung, some Iditarod news, then we explore rivalries that have gone dormant, the Crab Bowl Classic, along with the middle finger cancelling a rivalry for 40 years, and much, much more!!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Send us a textIn this “money is nice, championships are better” episode, Ernest feels all the love in the air, the deplorable compromise of Eric Adams, PA Governor suing the Trump administration, why Jay-Z's case was dismissed, Uber vs. Doordash, and more.Ernestly Speaking! is executively produced and hosted by Ernest Owens. Check him out at ernestowens.com and follow him @MrErnestOwens on Twitter & Instagram.
The highlight of this episode is my visit to the Pennsylvania Governor's Mansion for "Lori Listens," hosted by PA First Lady Lori Shapiro. I, along with other members of the NFB of PA, got to talk about web accessibility issues with folks from the state. We gave feedback on a Commonwealth website and were surprised to see changes made almost immediately—proof that they're taking our concerns seriously. I dive into the everyday frustrations we face when websites and apps aren't accessible—like unlabeled buttons or pages that trap you behind pop-up ads. These things can make simple tasks take forever. But it felt good knowing that someone was listening and committed to improving things. What do I mean when I say an app or a website is not accessible? I give a couple of demos of sites that are not accessible and provide a workaround for one of them. Show notes at https://www.iCantCU.com/273 Links Mentioned (product links are affiliate links so that I may earn a commission.) GoPro Hero 11 Black: https://amzn.to/4hg2xSF GoPro Hero 13 Black: https://amzn.to/48rmvpC Crunchy Peanut Butter Kind Bars - YUM!: https://amzn.to/4cYfm0E Be My Eyes app (free): https://www.bemyeyes.com/ Seeing AI app (free): https://www.seeingai.com/ Watch episodes on YouTube: https://www.youtube.com/@iCantCU Support iCantCU When shopping at Amazon, I would appreciate it if you clicked on this link to make your purchases: https://www.iCantCU.com/amazon. I participate in the Amazon Associate Program and earn commissions on qualifying purchases. The best part is, you don't pay extra for doing this! White Canes Connect Podcast Episode 114 In episode 114, co-host Lisa Bryant and I sit down with Krystle Boateng, the creative force behind Inside Ability Books, a publisher of accessible, large-print children's books. Krystle, who lost her central vision due to uveitis at 19, shares how her personal journey led her to create books that prioritize accessibility through high-contrast text and large fonts. The interview explores the profound impact her books have on visually impaired parents and children, with a touching story from Federationist Simone Cooper, who met Krystle at the NFB Convention. Simone describes the joy of finally being able to read to her nieces, thanks to the thoughtful design of Inside Ability's books. Find the podcast on Apple Podcasts https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709 Spotify https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI YouTube Https://www.youtube.com/@pablindpodcast White Canes Connect On Twitter Https://www.twitter.com/PABlindPodcast My Podcast Gear Here is all my gear and links to it on Amazon. I participate in the Amazon Associates Program and earn a commission on qualifying purchases. Zoom Podtrak P4: https://amzn.to/33Ymjkt Zoom ZDM Mic & Headphone Pack: https://amzn.to/33vLn2s Zoom H1n Recorder: https://amzn.to/3zBxJ9O Gator Frameworks Desk Mounted Boom Arm: https://amzn.to/3AjJuBK Shure SM58 S Mic: https://amzn.to/3JOzofg Sony ZV-E10 camera : https://amzn.to/4fFBSxM Sennheiser Headset (1st 162 episodes): https://amzn.to/3fM0Hu0 Follow iCantCU on your favorite podcast directory! Apple Podcasts: https://podcasts.apple.com/us/podcast/icantcu-podcast/id1445801370/ Spotify: https://open.spotify.com/show/3nck2D5HgD9ckSaUQaWwW2 Audible: https://www.audible.com/pd/iCantCU-Podcast-Podcast/B08JJM26BT IHeart: https://www.iheart.com/podcast/256-icantcu-podcast-31157111/ YouTube: https://www.youtube.com/davidbenj Reach out on social media Twitter: https://www.twitter.com/davidbenj Instagram: https://www.instagram.com/davidbenj Facebook: https://www.facebook.com/davidbenj LinkedIn: https://www.linkedin.com/in/davidbenj Are You or Do You Know A Blind Boss? If you or someone you know is crushing it in their field and is also blind, I want to hear from you! Call me at (646) 926-6350 and leave a message. Please include your name and town, and tell me who the Blind Boss is and why I need to have them on an upcoming episode. You can also email the show at iCantCUPodcast@gmail.com.
In today's show we explore key Congressional races in key battleground states. Two Trump endorsed candidates share how cost of living and the economic hardships created by the Biden/Harris administration is the number one issue voters are concerned about. Ryan Mackenzie is running in Pennsylvania, District 7, where Susan Wild has voted for open borders. Inflation in Lehigh County (where she represents) shows 47% of households are struggling with everything from housing to healthcare. Mackenzie discusses all the issues important to Pennsylvanians, including fracking and election integrity. New legislation has been passed in Pennsylvania to ensure a fair election and stripped the PA Governor of some of the executive powers he abused in 2020. In Nevada, Drew Johnson is up against Susie Lee. Susie is a multi-millionaire that has voted to increase tax on tips and open borders. Drew Johnson is convinced Sam Brown will beat Jackie Rosen, he will beat Susie Lee and Donald Trump will take Nevada! Featuring: Ryan Mackenzie (R) Running for Congress | Pennsylvania, District 7 https://www.mackenzieforcongress.com/ Drew Johnson (R) Running for Congress | Nevada, District 3 https://drewfornevada.com/ -- Available Now! Watch my documentary Front Row Joes or gift it to a friend at the links below. Front Row Joes https://frontrowjoes.movie/ Watch episode one of Front Row Joes now: https://watch.salemnow.com/series/zffpDnKocxu3-trumps-front-row-joes -- Sponsors: 4Patriots Get a FREE solar panel when you purchase the Patriot Power Generator 2000X. Just goto https://4patriots.com/SPICER Delta Rescue Visit Delta Rescue at: https://deltarescue.org/ and donate to one of the country's best, care for life, no-kill animal sanctuaries. -- Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ #politics #news #theseanspicershow #seanspicer #conservativemedia #podcast #2024election #congress #congressnews #battlegroundstates Learn more about your ad choices. Visit megaphone.fm/adchoices
Its becoming more and more likely that Kamala Harris will pick the governor of Pennsylvania for her vice presidential candidate. Learn more about your ad choices. Visit megaphone.fm/adchoices
A proposed TikTok ban just cleared the House, and Pennsylvania lawmakers are considering their own statewide restrictions on the video app. We're wondering what a ban could mean for Governor Josh Shapiro, a “prolific poster” with a few viral TikToks under his belt. Producer Sophia Lo joins host Megan Harris to break down the latest legislation and scroll through the governor's posts. Plus, a professional TikToker analyzes Shapiro's account for us. Thanks to Chris Vazquez, audience engagement producer at The Marshall Project, for sharing his insights on Shapiro's social media. Plus, it's primary Election Day in Pennsylvania. The polls are open from 7 a.m. to 8 p.m. Check your polling place here, or listen to our voting guide on your way to vote! Here are a few of the stories we talked about in today's episode: Over the weekend, the House passed a bill that would ban TikTok if the parent company, ByteDance, doesn't sell the app. Now that the bill has passed the House, here's what might happen next in the Senate – and how TikTok could respond. PA billionaire Jeff Yass has a connection to the national ban; he has a big stake in ByteDance. Friend of the pod Stephen Caruso reported on why Pennsylvania's attempts to regulate social media haven't been successful. Watch with us! We reviewed Shapiro's lottery and Béyonce TikToks, and you can find more from the governor on his account. Learn more about our sponsors: City of Asylum is hosting International Jazz Poetry Month from May 2 – 23 at Alphabet City. The Pittsburgh Opera is presenting The Passion of Mary Cardwell Dawson, April 27 through May 5, at the Byham Theater. Become a member of City Cast Pittsburgh at membership.citycast.fm. Want more Pittsburgh news? Sign up for our daily morning Hey Pittsburgh newsletter. We're on Instagram @CityCastPgh. Text or leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here. Learn more about your ad choices. Visit megaphone.fm/adchoices
If properties are empty from population decline, they'll lose value and rent. If this happens, then what's the timeline? Richard Vague, the PA Governor-appointed Secretary of Banking and Securities from 2020-2023, joins us. US and world birth rates keep declining. As population declines, per capita GDP often increases. Richard believes that inequality will widen. Most models show the US population increasing for several decades. A median model is 342M today up to 383M in 2054. Opposite of what the Fed thinks, Richard believes that lower interest rates can quell today's persistent inflation. The US has had 9 instances of high inflation. It's often spurred by wars, which create shortages. I tell Richard about GRE's Inflation Triple Crown and ask his opinion. Real estate values rise as debt-to-GDP rises. I point-blank ask Richard if an economic crisis is imminent. Resources mentioned: Follow Richard Vague: Join.TychosGroup.org For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete episode transcript: Keith Weinhold (00:00:01) - Welcome to GRE! I'm your host, Keith Weinhold. The phenomenon of population decline is spreading throughout the world. Will that come to the US and obliterate real estate then? A bit of a debate on the affliction of inflation and what this all means to real estate today on get rich education. When you want the best real estate and finance info. The modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers are. At no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple. Text GRE to 66866. And when you start the free newsletter, you'll also get my one hour fast real estate course completely free. It's called the Don't Quit Your Day dream letter and it wires your mind for wealth. Keith Weinhold (00:01:18) - Make sure you read it. Text GRE to 66866. Text GRE to 66866. Corey Coates (00:01:30) - 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 (00:01:46) - We're going to drive from Lake Winnebago, Wisconsin to Mono Lake, California, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get Rich education. Real estate is obviously a strong, proven store of value. Now, what's interesting is that most economists agree that money should be three things a medium of exchange, a unit of account, and a store of value. Well, please don't take offense here. This can sound a little crude, but there's one thing to call those that use dollars as a store of value, and that is poor. How is a dollar a store of value when you've had 20% plus cumulative inflation over the last three years alone, the dollar is a poor store of value. We're going to get into inflation with our other esteemed guest and gubernatorial appointee today. He has some opinions on inflation, and you may very well feel that I poke him on this topic today. Keith Weinhold (00:02:58) - I'll also get his input on our inflation Triple Crown concept, where real estate helps you win with inflation three ways at the same time. But first, he and I are going to discuss the specter of population decline. And well, it's not always a specter to people because some feel that the world is better off with fewer people, environmentalists and others. Japan's native born population is falling at a rate of almost 100 people per hour. Yeah, you heard that right. Well, is that coming to the United States and how bad would that be for real estate? Before we go on with those discussions about population decline and then inflation, here's something cool. Is your first language Spanish, or do you have any Spanish speaking family or friends? If you do, you're in luck! I'm proud to announce that our real estate Pays five ways video course is now available in Spanish and it is free. Yes, all five course videos leverage depreciation, cash flow, ROA, tax benefits and inflation profiting. All broken down by me in Spanish. Keith Weinhold (00:04:15) - You can see those five videos. And again they're free at get rich education. Comment espanol tell to familia e amigos. That's all right there on the page at get Rich education. Com slash espanol. And hey, if you're a business owner or decision maker and would like to advertise on our platform, well, we'd like to check you out first and look at this slowly. Oftentimes I use the product or service myself. Get rich. Education is ranked in the top one half of 1% of listened to podcasts globally, per lesson notes on air every single week since 2014. Some say that we were the first show to finally, clearly explain how real estate makes ordinary people wealthy. For advertising information and inquiries, visit get Rich education.com/ad let's get rich education compered. Today it's the return of a terrific guest. This week's guest was with us last year. He's an economic futurist, keynote speaker, and popular author. He's the former secretary of banking and securities for the Great Commonwealth of Pennsylvania. Today, he runs a group that predicts financial crises called Tycho's. Keith Weinhold (00:05:40) - That's really interesting. Joining us from Philadelphia today. Hey, it's great to welcome back Richard Vague. Richard Vague (00:05:47) - Thank you so much for having me. It's real privilege. Keith Weinhold (00:05:50) - Vague is spelled vague u e just like it sounds. If you're listening in the audio only. Richard also has a YouTube channel where, among other things, he discusses topics like population decline and inflation. Two things that we'll get into today. But before that, Richard, how exactly do you get tapped by the governor of Pennsylvania to have been appointed his banking secretary? Anyway? How does that really happen? Richard Vague (00:06:16) - Well, I served under Governor Thomas Wolf, a superb governor here at Pennsylvania. We kind of were both very familiar with each other, and I had already written a number of books on banking crises, including The Next Economic Disaster and A Brief History of Doom. And he had read those, and so much to my surprise, he showed up in my office one day and asked me if I'd consider it. Keith Weinhold (00:06:40) - Wow, that is really cool. Keith Weinhold (00:06:42) - All right. You kind of led with your writing in your books for making that happen. Richard, here's a big question that I have for you. At 8.1 billion people today is Earth's overpopulated or underpopulated? Richard Vague (00:06:58) - Well, there's a lot of very valid points on both sides of that. You know, there are a number of folks who decry the level of population we have because of its destructive impact on the environment. And there's a lot of folks that note that it's population growth that really has made our economic growth so vibrant. So there's a real contention on that issue. We tend not to take a position, but what we do know is as world population growth is slowing, which it clearly is, that is going to make economic growth much more challenging in a whole lot of places around the world, some of which you're actually starting to see population declines, like China. Keith Weinhold (00:07:46) - I want to get to that slowing growth in a moment. We talk about overpopulation versus under population. Some in the overpopulation camp thinking the world has too many people they're referred to as Malthusian, was named for Thomas Malthus, who in 1798 he said the world would exceed its agricultural carrying capacity and there was going to be mass starvation. Keith Weinhold (00:08:09) - Malthus was wrong. He didn't consider technological advancements. So I guess my point is the future can be really difficult to predict. Richard Vague (00:08:18) - Yeah. Without question. You know, the big innovation came in the early 1900s when we figured out how to synthetically manufacture of things like fertilizer, which allowed arable land area to increase dramatically. It kind of took them out of this equation off the table. Keith Weinhold (00:08:36) - Yes. With the mechanization of harvesting and the engineering of foods, there sure have been a lot of advancements there to help feed more people. And yeah, Richard, you talk about population decline. Of course, the world population overall is still growing, but its rate of growth is declining. So before we talk about the United States, you mentioned China. Why don't we discuss population decline more in global terms, where even nations like India are already struggling to exceed the replacement birth rate of 2.1? Richard Vague (00:09:10) - Yeah, I mean, it's a phenomenon that, you know, we haven't faced or perhaps even thought of for a couple hundred years because population growth accelerated so dramatically with the Industrial Revolution. Richard Vague (00:09:22) - We've really not known anything but rapid growth. And frankly, it's easier to grow businesses. And the economy is old. But now we're seeing places like China, Japan, Germany that are facing population declines in places like India, which, as you said, is comparatively a younger country. Nevertheless, facing this prospect as well, then in 1980, the average age in the US was 30. Today it's 38. In Germany I believe it's 48. So the world is getting old in a way that it had not previously in the industrial revolutionary period. Keith Weinhold (00:10:03) - I think a lot of people are aware that many parts of Europe, Japan, South Korea are in population decline or they're set up for population decline. But yes, some of these other nations that we think of as newer nations or growing nations, including India, are not forecast to. Grow in, Richard. Are we really down? Of course. There are a number of outliers. Are we down mostly to Africa that still have the high birth rates? Richard Vague (00:10:29) - As the world has become more urban, the need for more kids has declined. Richard Vague (00:10:35) - It's in an urban environment, become an expense rather than a benefit. So that alone accounts for the deceleration. And then you have folks that are getting married later, having kids later, and you simply can't have as many kids when those two things are true. So it's a combination of events, and there aren't that many places left that have higher birth rates. And even in Africa it's declining or decelerating. So the world's just moving in that direction. Keith Weinhold (00:11:06) - Yeah. It's really once we see the urbanization trend in a nation, what lags behind that are slowing birth rates, oftentimes birth rates that don't even meet death rates in some places. It kind of goes back to the Thomas Malthus thing again, if you will. When you don't have a family farm, you don't need nine kids to milk the cows and shuck the corn and everything else like that. You might live in a smaller urban apartment. Richard Vague (00:11:33) - But we're all just has it been thinking about this issue? And it's upon us now, and it's going to change everything from governments to handling debts to infrastructure to growth itself. Richard Vague (00:11:48) - So we need to start thinking about this issue much more deeply than we have. Keith Weinhold (00:11:54) - Is there any way that an economy can grow with a declining population, and how bad will it get? Richard Vague (00:12:02) - An economy will obviously struggle to grow if the population is declining, but the per capita GDP and increase as population declines. And in fact, we might see that early on in a population decline situation. I think that's actually been true in Japan over the last few years. The population is down, but GDP per capita is actually increasing slightly. So I think it's longer term. When you talk about trying to service the debt that we have amassed with the smaller population, that we're really going to have issues. Keith Weinhold (00:12:41) - Talk to us more about that. The servicing the debt part of a declining population. Richard Vague (00:12:48) - The debt doesn't shrink on its own, you know, so it tends to grow because, you know, it's accruing interest. Keith Weinhold (00:12:54) - It always seems to go one direction. Richard Vague (00:12:56) - It always pretty much only goes in one direction. So it's pretty simple. Richard Vague (00:13:00) - If you have growing debt and I'm talking about public debt and private debt, and you have a declining base to service that, you have more people in retirement who are not paying as much in the way of taxes. It's going to increase the challenge, and it may in fact, increase it considerably. As we look at a few decades. Keith Weinhold (00:13:21) - We need productivity to pay down debt that's more difficult to do in the declining population. We talk about technological advancements, some things that we cannot foresee. Did you sort of lead on to the fact that some of this might help us be more productive, even in a declining population, whether that's machine learning or robotics or AI? What are your thoughts there? Richard Vague (00:13:45) - That's something that's been predicted for quite some time. You know, if we look back not too far ago, economists were wondering what we were going to do with all of our free time, right? Because, you know, automate. And this goes back to the 20s and 30s and 40s what we do with all our free time. Richard Vague (00:14:01) - So we again have conversations along those lines. You know, it's not inconceivable that we could all be sitting there, you know, sipping our Mai tais, and the machines could be doing all the work for us. And servicing debt might be easy in that scenario, I doubt it. I don't think that's what's going to happen. Keith Weinhold (00:14:19) - The more technology advances, the more complex society gets. That continues to create jobs in places where we cannot see them. I mean, case in point here, in the year 2024, we're more technologically advanced than we've ever been in human history, obviously. Yet here in the United States, we have more open jobs than we even do people to fill them. Richard Vague (00:14:39) - Yeah. And I think one of the things that all of this does is increase the march of inequality. You have folks that master the technology become engineers, software engineers and the like that are going to be the huge beneficiaries of these trends. But folks that don't have the skill sets aren't going to benefit from these trends. Richard Vague (00:15:01) - And even though in aggregate, we may continue to see per capita GDP increase, our track record over the last few decades would suggest that inequality will increase just as markedly as it has in the past, so we'll have some societal issues to face. Keith Weinhold (00:15:19) - That's concerning as inflation. Continues to exacerbate inequality simultaneously, which we'll talk about later. But population decline is of concern to us as real estate investors because of course, we need rent paying tenants. So this could be pretty concerning to some. You've probably seen a lot of the same models that I have, Richard, let me know. In the United States, population is projected to increase for several decades by every single model that I've seen, maybe even until or after the year 2100. Richard Vague (00:15:53) - The projection is by 2050, we'll have about 380 something million people, and today we're at 330 million people. So clearly the population is going to continue. It's just kind of the relative portion of those populations. And what I think we're seeing, and you as real estate investors would know this better than I, is a shift towards the type of real estate out there. Richard Vague (00:16:19) - Right? So instead of new homeowner development, it's retirement development that I think is going to be the higher growth sector with the real estate industry. Keith Weinhold (00:16:31) - And we're surely going to see fewer offices be built, something that may never come back. And then when we talk about things like birth rates and population growth rates here in the real estate world, I sort of think of there as being a lag effect. It's really not so much about today's births in the United States, because people often rent their first place in their 20s, and then the average age of a first time homebuyer is an all time record high 36. And all those people are going to need housing into old age as well. So to me, it's sort of about, oh, well, how many people were born from the 1940s to the 1990s? Richard Vague (00:17:10) - Well, there's a very useful tool that's pretty easily available called the Population Pyramid. You can find that on the CIA World Factbook site for every country and including the United States. And it shows exactly what you're talking about, which is the number of folks, you know, between 0 and 10 years old and into 20 years old and so forth. Richard Vague (00:17:32) - So you can kind of make reasonable projections about the near term based on the data that the CIA World Factbook is kind enough for by I believe the UN has this data as well, so you can make informed judgments about the very thing you're talking about here, which is how many folks are in their 20s to over the next ten years versus the last ten years. Keith Weinhold (00:17:54) - Yeah, that's reassuring to real estate investors to know that we expect several decades of population growth in the United States. However, it may be slowing growth. So we talked about births, I mentioned deaths. Well, you tell us a bit more about immigration, something else that can be very difficult to project here in the real estate world that we have a popular analyst called John Byrne's research and Consulting. Their data shows that we had 3.8 million Americans added to our population last year, much of it through immigration. That's a jump of more than 1%, an all time record in our 248 year history in one year alone. So can you tell us, at least in the United States, a bit more about immigration in the calculus for population projections? Richard. Richard Vague (00:18:42) - Immigration is a huge factor in the demographics of every country in the US, from a pure population growth standpoint as benefited by in-migration, including illegal and migration. That is a positive comparison versus a lot of countries that are either more restrictive art is desirable destinations for immigration and the life. So it has benefited us from a pure population standpoint. But what we clearly see is there are cultural ramifications that are difficult for us to deal with. We have the percent of folks that are in the United States that were born in another country. It's the highest it's been, I think, at least in a century or more and perhaps ever, that is really difficult for the general population to absorb. We see this in the headlines every day. We see it the concern, we see it in the political rhetoric. It's a real issue. So you have a very real conflict between the economic benefits of immigration versus the cultural divisions that that immigration creates. And that's not going to be easy to digest or to resolve. I think we probably end up continuing to compromise, but it continues to be a political lightning rod right into the foreseeable future. Keith Weinhold (00:20:14) - And there are so many factors here. Where's our future immigrant diaspora? Is it in places in Latin America like Guatemala? In Honduras, in Colombia. And are those people going to come from there? So there are a lot of factors, many of which aren't very predictable, to take a look at our future population growth rate in the United States. We're talking with economic futurist, author and Pennsylvania's former secretary of banking and Securities, Richard Moore, and we come back on the affliction of inflation. 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How the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six. Speaker 4 (00:22:33) - This is author Jim Rickards. Listen to get Rich education with Keith Reinhold and don't quit your day dream. Keith Weinhold (00:22:49) - Welcome back to get Rich. So we're talking with economic futurist, author and Pennsylvania's former secretary of banking and securities. His name is Richard Vague. And Richard, before the break we talked about how many more people are there going to be on this earth. Keith Weinhold (00:23:03) - We know for sure that there's also the growth of the number of dollars in this nation. So we're talking about inflation here. You talk an awful lot about the affliction of inflation and the history of inflation. And I think a lot of people when we talk about the history of inflation, maybe we should begin chronologically. They don't realize that inflation wasn't always with us. Since the birth of this nation. Richard Vague (00:23:30) - We haven't had that many episodes of inflation. We look at it pretty hard. We see nine what we would consider nine instances of high inflation. Most of those have come with war. So we certainly had that. The Revolutionary War right of 1812 and the Civil War and World War one and World War two. But inflation has been brief, contained and rare in the history of Western developed nations. We had our bout in the 1970s that related to OPEC and the constraint of the oil supply. It normally relates to the decimation or constraint of the supplies and the supply chain. We saw it again with Covid. Richard Vague (00:24:17) - A lot of folks consider it to be a monetary phenomenon. We just don't see that in the data. Keith Weinhold (00:24:24) - So we talk about what causes these bouts of inflation. You talked about nine of them. Well, he talked to us more about why wars often create inflation. Of course we're trying to create a lot of supplies during wars, but they tend to be only certain types of supplies. Richard Vague (00:24:40) - World War One is a great example. Probably, you know, two thirds of the farms in Europe were decimated. So for a couple of years, there simply weren't the kind of crops that are needed for nutrition being grown in Europe, we Corps and the like. So the US had to, frankly, export something on the order of 20% of its crops to Europe to prevent starvation. Well, it's pretty easy to see that if the US if the supply has been decimated in Europe, we're having to ship, you know, a huge chunk of our crops to Europe, that the price of wheat and corn would go up. Richard Vague (00:25:21) - And that's exactly what happened. It's also pretty easy to see that as those farms came back on stream and began growing crops, that the price of wheat and corn would drop. And that's exactly what happened. So you have this relatively short lived period of 2 or 3 years where the decimation of supplies caused inflation, and that's fairly typical. Keith Weinhold (00:25:45) - Supply falls, demand exceeds supply and prices rise much like what happened with those Covid shortages, as you mentioned, what are the other major causes of inflation other than supply shortages that have caused these nine bouts of inflation? Richard Vague (00:26:03) - Well, let's talk about major developed countries, which I would include Western Europe, the United States predominantly. That's pretty much the only thing that has brought sustained high inflation is supply constraint. We don't see instances of high government debt growth or money supply growth ever causing inflation. Now when you get to smaller countries where they are borrowing in a foreign currency, where they have a trade deficit and where they yield to the temptation of printing too much money, and I don't mean by printing, we use that term in the United States, and it's absolutely a fictitious term. Richard Vague (00:26:50) - We don't print money in the United States. We have it printed money since the Civil War. So in a third world country, they can actually go to a printing press and start paying with cash for government supply needs. And you can see it very clearly when it happens and it very quickly leads to high inflation. You know, this is in places like Argentina and the like. So that would be the big issue in these countries. It's they borrow at a foreign currency. They have a trade deficit. They yield to the temptation of actually printing currency. It can get out of control pretty fast. Keith Weinhold (00:27:26) - It feels immoral. As soon as more currency is printed, it dilutes the purchasing power surreptitiously of all those people that are holding that currency. What about Richard? The government printing. And we can put printing in quote marks, say, $1 trillion to fund a new infrastructure program. A technically that is inflation if we. Go back to the root definition of inflation, inflation being an expansion of the money supply. Keith Weinhold (00:27:54) - But talk to us about how something like that does or does not dilute the purchasing power to fund, for example, a big infrastructure program. Richard Vague (00:28:03) - Well, it just never happens in Western developed economies. And one of the reasons it doesn't happen is the government issuance of debt does not increase the money supply by a nickel. If the government issues debt, it actually withdraws or shrinks the money supply because folks like you and me would buy the government security that reduces the number of deposits in the system. The government immediately turns around and spends exactly that amount. So the size of the money supply from government debt projects remains exactly the same. It doesn't increase. Keith Weinhold (00:28:42) - Does that act, however, increase our total absolute amount of national debt, which is currently $35 trillion? Richard Vague (00:28:51) - Of course it does. Absolutely. But the increase in our debt is money largely played to the households. So what normally happens is when the government's dead increases, household wealth increases by that amount or a greater amount. So take the pandemic. In a three year period, government debt increased by $8 trillion, which means its net worth declined by $1 trillion. Richard Vague (00:29:18) - Well, households were the beneficiaries of that household net worth in that three year period increased by $30 trillion. So, you know, net net, of course it increases their debt, but it dollar for dollar typically increases household wealth. Keith Weinhold (00:29:33) - That wealth effect can feel great for consumers and families in the short term. But doesn't increasing their income substantially in a short period of time drive up prices and create this debase purchasing power of the dollar? Richard Vague (00:29:46) - If we got our little green eyed shades out and went to try to find examples of that, we got a database of 49 countries that constituted 91% of the world's GDP. We just wouldn't find examples of that. And in the US, it's very easy to measure that. The number you're looking for is GDP. And we don't really see big cuts in GDP. You know, a wild swing in GDP would be 3.5% versus 2.5%. That's not a factor in any observable way. And what happens in inflation. Keith Weinhold (00:30:19) - Richard, the term that I think about with what's happened the past few years in this Covid wave of inflation is the word noticeable. Keith Weinhold (00:30:27) - People don't really talk about it. Consumers, families, they don't talk about inflation much when it's near its fed 2% target until it becomes noticeable. And now it's so obvious with what you see at the grocery store. So it's really infiltrated the American psyche in a way that it didn't five years ago. Richard Vague (00:30:45) - Inflation, even moderate inflation, is a highly consequential thing to the average American consumer. And two things happened to increase our inflation. Covid supply chains decimated supplies and kicked up prices. And then a second thing happened that was even more consequential. And that is Russia invaded Ukraine. And you had two countries that were, if you add them together among the largest providers or suppliers of oil and wheat, and almost instantly the price of oil and wheat and other goods skyrocketed. It was those two things, Covid, plus the invasion of Ukraine that drove our inflation up to 9% in June of 2022. Now, in July, it dropped to 3% and it stayed at 3% ever since. But we had already driven prices up in the prior year or two. Richard Vague (00:31:49) - And those prices even though the increases have moderated, those prices haven't come down right. Keith Weinhold (00:31:55) - Nor will. Richard Vague (00:31:55) - They. Now we have, you know, the threat of war again. So, you know, the price of oil just touch $90. Again, I would argue that, you know, it's going to be hard to see inflation come down. Much for like that 3 to 4 range because of the geopolitical situation. And one other thing that I would suggest is holding up inflation. And that's the Federal Reserve's interest rate. You know, if inflation is a measure of how expensive things are, high interest rates make things more expensive, right? Keith Weinhold (00:32:27) - It's an irony. Richard Vague (00:32:28) - It's almost exactly the opposite of what the orthodoxy at the Federal Reserve studies or believed. For whatever reason, if you're at an in an apartment in the apartment owner has leveraged their purchase of the apartments by 50 or 70 or 90% and their interest bill goes up, guess what? They have to. Charge you higher rate. I think some meaningful component of the stubbornness of inflation relates directly to the Federal Reserve's persistent interest rates. Richard Vague (00:33:00) - I think the best thing they could do would be to pull interest rates down 1 or 200 basis points. Keith Weinhold (00:33:07) - Well, that's interesting because the fed funds rate is pretty close to their long term average, and we still got inflation higher than their target. So tell us more about what you think is the best way out of this somewhat higher inflationary environment that we're still in Richard. Richard Vague (00:33:22) - Well two things. I think the geopolitical impact on oil prices is you. And I think the interest rate impact, particularly on real estate prices, is huge. Those are the two things holding up inflation. So if you wanted to improve inflation, you'd lower interest rates and then you'd run around the world trying to calm down these hot spots. And you'd have 2% inflation. Keith Weinhold (00:33:47) - Coming from some people's point of view, including the Fed's. If you lower interest rates you would feel inflationary pressures. So then go ahead and debunk this because the conventional wisdom is when you lower interest rates. Oh well now for consumers, you don't incentivize them to save as much because they wouldn't be earning much interest. Keith Weinhold (00:34:06) - And if rates to borrow become lower, then you're incentivizing more people to borrow and spend and run up prices in fuel the economy. So what's wrong with that model? Richard Vague (00:34:16) - Well, there's no empirical support for it. In 1986, when inflation dropped to 2%, interest rates were in the highest interest rates had been coming down by, you know, almost a thousand basis points over the prior 3 or 4 years. Money supply growth was 9%. So the two things the fed says are most the biggest contributors to rising inflation were both amply present when inflation dropped to 2%. So I just can't find any data to support the Fed's theory. And by the way, that data is not esoteric. That data is really readily available. You and I can go look at it. It's not a complicated equation. But over the last 40 years, in what at the age I call the great debt explosion, aggregate debt and the economy in 1981 was 125% of GDP. Today it's 260% of GDP and almost that entire 40 something year span. Richard Vague (00:35:21) - Inflation and interest rates went down. Somebody, somewhere is going to have to show me the evidence for me to believe what the fed is canonical, which is almost a sacred balloon. Keith Weinhold (00:35:33) - Well, that's a good look at history. In fact, something I say on the show often is let's look at history. And what really happens over having a hunch on how we think that things should proceed. You mentioned some inflation figures there. Why don't we wrap up inflation? Richard was talking about today's inflation measures. We've got the producer price index, the PPI, the widely cited CPI, which I recognize what you were stating earlier. And then of course there's the Fed's preferred measure, the core PCE, the core personal consumption expenditures. Richard, it's also funny to me when any measure is called core, it's core when they remove the food and energy inputs because those things are said to be too volatile. And of course, not only is food and energy essential, but what's more core than that? So perhaps the core rate should be called the peripheral rate. Keith Weinhold (00:36:22) - But in any case, do you have any comments on the measures of inflation that are used today? Richard Vague (00:36:28) - It's like you say, it's everything you just mentioned and more, because they're not just core inflation. There's something called super core, which I think is probably even more peripheral. Right. And I like your terminology better than the Fed's, but there's a lot of things to look at right now. They're all kind of coalescing around this at a low to mid 3% range. We got a new number coming out. It'll probably, you know here in the next few days. And it'll probably be a little bit higher than the last number, but we're talking about the difference to a 3.3% and 3.5%. And to me there's no difference between those two numbers. We were at 9%, as we just said, in June of 2022. And we're at a moderate level of inflation now after having suffered a rise in prices. It's not going to disappear. It's not fun, it's not comfortable, but it's moderate rabble. Richard Vague (00:37:22) - It's not a big drought. Keith Weinhold (00:37:24) - What's the right level of inflation in your opinion? Richard Vague (00:37:28) - Okay. Anything fundamentally wrong with the the 2% number that the fed saw I think, you know, at 3 to 4% were probably on the high end of, of what might be considered acceptable. But again, it's not the fact that it's 3% that's the problem. It's the fact that it was 6 to 9% for a couple of years. Yeah, that's the problem. It'll get take a while for everything to adjust to that. In the meantime, you know, with all bets are all that you know, there's if these wars get further out of control and we see 90, $200 oil prices again, we're only about we're 50% more efficient users of oil today than were were in the 1970s. We're still a little bit over dependent. Keith Weinhold (00:38:11) - Here at gray. I espouse how in everyday investor they can do more than merely hedge themselves against inflation, much like a homeowner with no mortgage would merely hedge themselves. But you can actually profit from inflation with a term that I've trademarked as the Inflation Triple Crown. Keith Weinhold (00:38:27) - I'd like to know what you think about it. The inflation Triple Crown means that you win with inflation three ways at the same time, and all that you need to do in order to make that happen is get a fixed rate mortgage on an income property. The asset price increase is the inflation hedge. The debt debasement on your mortgage loan, that's an inflation profiting center. Is inflation debases that down while the tenant makes the payment. And then thirdly, now rents might only track inflation, but your cash flow is actually a profit center over time too because it outpaces inflation. Since as the investor your biggest monthly expense that principal and interest stays fixed and inflation cannot touch that. That's the inflation triple Crown. It's available to almost anyone. You don't need any degree, your certification or real estate license. What are your thoughts on that? Profiting from inflation the way we do here I think you're absolutely correct. Richard Vague (00:39:22) - And I think you put it very, very well. And that's not just a trend at the individual property level. Richard Vague (00:39:28) - We studied macroeconomics and we look at aggregate real estate values. And frankly, real estate values rise as debt to GDP rises. The more money there is, the more my dollars are chasing real estate and the higher real estate prices will go. So it's absolutely been the gin to put it into numbers in 1980 household. Well, this a percent of GDP was about 350%. Today it's almost 600% most household wealth that in the form of just two things real estate and stocks in somewhat equal measure, that's 80 or 90% of also. Well, so if you wanted to make money over the last 40 years and presumably over the next 40 real estate, one of the two places you could go. Keith Weinhold (00:40:24) - Well, Richard, as we wind down here, you run a group that predicts financial crises. So I'd be remiss to let you go without asking you about it. We've had a prolonged inverted yield curve, and that's been a terrific track record as a recession predictor. Is a financial crisis imminent? Tell us your thoughts. Richard Vague (00:40:41) - No, it's not. The predictor of financial crises is a rapid rise in private sector debt in ratio to GDP. We saw it skyrocket in the mid 2000 and we got a crisis in zero eight. We saw it skyrocket in the 1980s and we got the crisis in 87. We saw it skyrocket in Japan in the late 1980s. And you got the crisis of the 90s. We saw it skyrocketed in the 1920s and we got the Great Depression. That is the predictor. You know, we've studied that across major economies over 200 years. There really are exceptions to that as it relates to financial crises. Our numbers right now on the private debt side have been very flat, and they've really been very flat since 2008. They actually got a little bit better in that period, and they've been very flat over the last few years. We're not looking at a financial crisis in the United States. Other parts can't say that China is looking at a they're well into a massive real estate crisis there. We see companies there crumbling, declaring bankruptcy. Richard Vague (00:41:53) - That's because they've had runaway private sector debt in China for the last ten years. And there's a few other countries that are facing that as well. Keith Weinhold (00:42:02) - A lot of Chinese overbuilding there during that run up to, well, if you, the follower, are into using history over hunches to help you predict the future, Richard Baig really is a terrific resource for that, as you can tell. So, Richard, why don't you let our audience know how they can follow you and learn more? Richard Vague (00:42:22) - You're so kind to say those words. We hope we provide something of value. You can get our weekly video if you go to join Dot Tycho's group.org and Tycho's is spelled E, ICOs, ICOs group. Or we send out a weekly five minute video because if you're like me, you have a short attention span and brevity is the soul of wit. I also have a book that came out recently called The Paradox of Debt. Yeah. Which, you know, covers a lot of the themes we've talked about here. You know, it'd be an honor to have anyone to pick up either. Keith Weinhold (00:42:58) - Well, Richard, it's been a terrific discussion on both population decline and inflation. It's been great having you back on the show. Richard Vague (00:43:05) - You have a great show. It's a privilege to be part of it. Thank you very much. Keith Weinhold (00:43:15) - Yeah, big thanks to Richard Vague. Today he hits things from a different angle. With population decline perhaps not taking place in the US until the year 2100. Of course, we need to add years to that. Real estate investors might not have falling population growth in that crucial household formation demographic age. Then until the year 2125, well, that would be 100 more years of growth from this point. And yeah, I pushed him on our inflation chart somewhat. Richard isn't the first person, though I have heard others maintain that lower interest rates also lower inflation, where most tend to believe that the opposite is true, including the fed. In any case, wars drive inflation because they create supply shortages. That was true over 100 years ago when World War one and today with Russia, Ukraine. Keith Weinhold (00:44:17) - I mean, is there any one factor that drives price increases more than supply shortages? The short supply of real estate itself is what keeps driving prices. And Richard asks us to look where some don't. That is that real estate values rise as debt to GDP rises. In his opinion, there is no financial crisis imminent. We need to see a rapid rise in private sector debt in proportion to GDP first. And you know what's remarkable about this economic slowdown or recession that still hasn't come, but it's been erroneously predicted by so many. It's the fact that recessions are often self-fulfilling prophecies. People have called on a recession for the last year or two. And that mere forecast alone that tends to make real estate investors think, well, then I won't buy the property because my tenant might lose their job in a recession. And businesses don't hire when everyone says a recession is coming. That's exactly how a recession becomes self-fulfilling. And despite two years of that, it still hasn't happened. That's what's remarkable. Anyone sitting on the sideline keeps losing out again. Keith Weinhold (00:45:37) - You can follow Richard. Big Tycho's is spelled Tycho's. Follow a joint Tycho's group.org. Richard and I talked some more outside of our interview here, and he had a lot of compliments about the show. In fact, more compliments than any guest has given in a while. He had not heard of our show before last year. I'm in Philadelphia somewhat regularly and I might hit him up the next time I'm there. We'll get lunch or something. Check out Gray in Spanish at Get Rich education comma. Espanyol. Thank you for tuning in today where our episode was Bigger Picture education. Next week's show will be substantially more hands on real estate. I'm Keith Wayne a little bit. Don't quit your day dream. Speaker 5 (00:46:24) - 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 (00:46:52) - The preceding program was brought to you by your home for wealth building. Get rich education.com.
The EPA has a new, stricter standard for fine particulates and it could lead to cleaner air in Pennsylvania. Penn State's board of trustees has voted to increase the financial bonus President Neeli Bendapudi will get if she stays with the university for 10 years. The move comes amid the school's financial shortfalls. Hundreds of Penn State students have raised more than $16.9 million for pediatric cancer patients in the annual 46-hour dance marathon known as Thon. Former Governor Tom Corbett says the U.S. democratic system does work - like none other in the world. But, the Republican is worried too many people don't realize that. Leaders in one Northumberland County community have been caught off guard as the result of an impromptu White Lives Matter demonstration. Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.
As Pennsylvania's Attorney General, Josh Shapiro successfully defended the state election process in 2020 against suits brought by former President Donald Trump and his allies. We speak with Governor Shapiro about his administration's preparations for a likely Trump/Biden rematch in November. Plus: how his “Get Sh*t Done” motto is working out with a divided state legislature, why he's launched a pilot project for using generative AI in government, and his reflections on the surge in antisemitism and how the controversy played out at University of Pennsylvania, where he is a non-voting member of the Board of Trustees. Questions? Comments? Email us at on@voxmedia.com or find us on social media. We're on Instagram/Threads as @karaswisher and @nayeemaraza Learn more about your ad choices. Visit podcastchoices.com/adchoices
Before our PA Governor-appointed public official guest joins us, I discuss how autonomous cars expect to change real estate. Richard Vague, Pennsylvania's Secretary of Banking and Securities from 2020-2023 joins us. We're in the state capital of Harrisburg, PA. We discuss America's beginnings in real estate and banking from around 1800. He tells us about the health of banks in the wake of recent failures due to higher interest rates. I ask Richard about full reserve banks vs. fractional lending banks. Great Britain prohibited colonists from owning land west of the Appalachians. The basis of early land wealth were crops grown on the land—wheat, corn, tobacco, indigo, and rice. Mortgages around 1800 were often 50% LTV and 6% interest rates. Here in the 2020s, Richard believes that private sector debt is a larger problem than public debt. Wherever debt growth is most rapid are where the economic cracks exist. Inflation benefits the Top 10% of the economic strata. Private debt becomes unsustainable around 225% of GDP. In the US, it's currently 160%. You become insolvent when you cannot make interest-only payments. That's true for you as an individual, or a nation. If these topics interest you, check out Richard's new book, “The Paradox of Debt” at ParadoxOfDebt.com. Timestamps: America's beginnings with banking, real estate, and debt [00:00:01] Discussion on the historical influence of Pennsylvania banking on the formation of US banking, including figures like Robert Morris and Alexander Hamilton. The impact of autonomous vehicles on real estate [00:02:54] Exploration of the potential effects of autonomous vehicles on real estate, including reduced need for parking and changes in commuting patterns. The role of the Secretary of Banking and Securities in Pennsylvania [00:09:20] Insight into the responsibilities of the Secretary of Banking and Securities in Pennsylvania, including oversight of banks and consumer protections. The fractional reserve lending system [00:10:44] Explanation of how banks operate through fractional reserve lending and the possibility of full reserve banks. The origins of the US banking system and the role of Thomas Willing [00:12:06] Discussion on the founding of the US banking system and the involvement of Thomas Willing, the first banker in the United States. The land crisis of 1796-1797 and its impact on Robert Morris [00:14:14] Exploration of the financial crisis caused by land speculation and how it led to Robert Morris, a prominent figure in credit ratings, ending up in debtor's prison. The formation of the nation and its intersection with banking [00:21:50] Discussion on the short-term loans and interest rates during the formation of the United States and the role of debt in the westward expansion. Private sector debt and its growth [00:25:30] Exploration of the significant increase in private sector debt since World War II and the focus on the potential issues associated with it. Debt growth as an indicator of economic crises [00:28:23] Insight into how rapid debt growth, particularly in the private sector, can serve as a predictor of economic crises and the shortcomings of economic models that exclude debt as a factor. The paradox of debt [00:31:47] Debt creates wealth, using leverage and appreciation to generate wealth. The end game of private debt [00:33:29] When the requirement to service debt slows the economy down to near zero. Inflation profiting with real estate [00:37:42] Real estate is not just an inflation hedging vehicle, but an inflation profiting vehicle due to fixed interest rate debt and rising rents. Resources mentioned: Show Notes: GetRichEducation.com/472 Richard Vague's new book: ParadoxOfDebt.com For access to properties or free help with a GRE's Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete episode transcript: Speaker 1 (00:00:01) - Welcome to. I'm your host, Keith Weinhold. I'm sitting down in Pennsylvania with the governor's appointed state secretary of banking and securities. What were America's beginnings with banking, real estate and debt? Learn how this affects you as an investor today. And what does America's day of debt reckoning look like today on Get Rich Education? Speaker 2 (00:00:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education. Speaker 1 (00:00:44) - Welcome from Harrisburg, Pennsylvania, to Harrisonburg, Virginia, and across 188 nations worldwide. I'm Keith Weinhold and you're listening to Get Rich. Education has been the Keystone state of Pennsylvania this week. In just a few minutes, you'll hear my sit down with secretary of banking and Securities for this great state of Pennsylvania from 2020 to 2023. The rather distinguished guest also sits on the Ivy League University of Pennsylvania's Board of Trustees. And before we're done, I'll be sure he understands at least one core principle here and get his opinion on that. Yeah, I visited seven US states so far here in the past month and I'll continue to visit so much of the United States. Speaker 1 (00:01:28) - In fact, I might have done more driving this past month than at any time in my life. Now. Some people are really car people. We have this kind of car culture in the United States for some evidence that younger people aren't as interested in that is older people. I mean, some people, they get really excited about new car features or new dashboard interfaces or hybrids or EVs and charging stations. You know, none of that is really that interesting to me. However, you know, the one new car feature that I actually really care about and I'm waiting to go more mainstream. Any idea the one game changing car feature that I really can't wait to get here because it's really going to improve your quality of life. And mine and I talked about this way back in Get Rich Education Episode 13 in the year 2015 is something that is still expected to have substantial ramifications for real estate, and that feature is autonomous vehicles, also known as driverless cars. I mean, as much of the world that's automated these days and digitize, it feels like something is out of whack to have all of this technology that you have in your car today. Speaker 1 (00:02:54) - Yet even if you're on cruise control out on Interstate 80, like I have been a lot lately, you've mostly got to keep your eyes glued to the car bumper in front of you. Yes. And the car that reliably drives itself. That's the new feature that I really want. I mean, imagine for you to be able to get some sleep or scroll your phone or I know that it sounds funny, even exercise while your car drives itself. And of course this still pretends to have a real impact on real estate. Cars will really need to be owned. It's just the subscription service that you order. A car comes to pick you up and then it drops you off where you need to go. So these cars just continue to stay in motion out there. You don't need a garage so much. And this means that cities won't need nearly as much parking. So parking lots are less important, parking garages are less important. And since you can be more productive while you're a passenger in the car drives itself, well, therefore, those neighborhoods that are say no one hour outside of the center or metro area, well, those areas won't have as much of a price discount because autonomous cars lower your time expense in commuting. Speaker 1 (00:04:16) - But autonomous car adoption has been slower to develop than a lot of people, including me, expected. I mean, there have been a lot of experiments, But see, what happens is an experimental autonomous car crash that just makes more news than a human created car crash. And that has really slowed adoption. So yeah, I'm not so into cars. The only feature that's on the horizon that really gets me interested is winning back some of my time with autonomous cars. Hey, we have a ton of great podcast episodes lined up here at some of the most brilliant minds in the real estate and money world. Continue to join me coming up soon. Here on the show is the return of a really dynamic guest. He goes by the nickname the mad scientist of multifamily in the industry. Some call the amount of multifamily, mobile home parks self in other commercial real estate investors that have these floating interest rates, the amount of those people, it's almost insane. Higher rates are going to bring those deals down and investors will keep losing money in those deals. Speaker 1 (00:05:27) - That's what the mad scientist of multifamily and I are going to focus on them. Yes, these people that learn how to perhaps do syndications through TikTok videos, they are losing their deals. Isn't that really is too bad because that reputation seriously that. The good operator, so we're going to sort that out for you. Then on a later episode here, one of the sharpest economic minds in the entire world joins us to discuss why the recession didn't happen as soon as he and a lot of others thought and what that means for the future of stocks and real estate and commodity prices. All of that is in the near future here on the show. But today I'm visiting my home state of Pennsylvania, where I've lived most of my life. It is the fifth most populous state, despite not being that large by area and despite the fact there are still a ton of rural areas in Pennsylvania, and of the five biggest states, Pennsylvania may very well have the deepest history. So we'll dig into some real history today. Speaker 1 (00:06:31) - Pennsylvania banking was influential on the formation of United States banking, including that of Robert Morris. He's a pretty well known name, but he was succeeded by a better no name. Right after Robert Morse, we had Alexander Hamilton in that banking role. But yeah, Pennsylvania Robert Morris, he is known as the very financier of the American Revolutionary War. As we're about to discuss the nation's beginnings, America's formative years in land and real estate hundreds of years ago. Look, if a hundred years ago, a colonist or an early American, if he or she said this, I'm going to buy a piece of property and develop it. Okay. What do you think that meant when they said that today? If you said, I'm going to buy a piece of property and develop it, well, most people would think that you're going to build a housing development. But back then it probably meant that you were going to clear your land of trees and planted for agriculture and you're going to grow wheat or corn or tobacco. Speaker 1 (00:07:37) - That was the discussion you were having then. What crop are you developing on your real estate? It sure wasn't. Are you going to develop apartments or condos or single family homes? That's how it might sound today. In fact, the 1790 census that shows that roughly 90% of the American population was employed in agriculture. 90%. So your real estate income was largely derived on your crop yield, which you might use to pay your debt on your land. Let's start this interview that I expect to be wide ranging as we'll take it from yesteryear up to the present day. This week's guest has served as secretary of banking and securities for the great state of Pennsylvania from 2020 to 2023. It is a cabinet level agency here in the state capital of Harrisburg. He was appointed to that position by Pennsylvania Governor Tom Wolf today. He is managing partner of Gabriel Investments as well based in Philadelphia. And today he's the author of an interesting new book. It's titled The Paradox of Debt A New Path to Prosperity Without Crisis. Welcome to Richard Vague. Speaker 3 (00:08:53) - Thank you so much for having me. Speaker 1 (00:08:55) - It's good to have you. For those of you listening in, the audio only vague is spelled vague. You and Richard, as Pennsylvania's secretary of banking and Securities, I know that you have various deputy secretaries that assist you. Tell me. I'm going to venture to guess that that role includes acts like the oversight of banks and various consumer protections. Are they important parts of that role? Speaker 3 (00:09:20) - Without question. The fundamental job is looking to the safety and soundness of the banks chartered here in Pennsylvania to make sure they don't fail. And we all saw the importance of that recently. Silicon Valley bank failed in California. And I think if we'd had the caliber of examiners out in California that the folks here in Pennsylvania or that might not have happened. Speaker 1 (00:09:44) - That's a nice compliment to those that have that oversight here in state, Richard. It sure has been interesting with interest rates actually not being historically high, but at the rate that they change and the rate that they spiked, making some things break everything else to tell us about that role with the oversight that you had of banks and consumer protections in Pennsylvania and really what everyday depositors are concerned with. Speaker 3 (00:10:10) - Everyday depositors are concerned with getting the highest yield they can. Sure. And certainly they've been rewarded more lately than they have been over the last, let's say, ten years prior to that. But they also should be concerned about the safety and soundness of the bank they deposit with. And I think a lot of folks forgot that lesson. You know, a few years passed from a crisis and folks aren't worried about whether their bank's going to be around so much anymore. I'm really pleased to report the banks here in Pennsylvania are in really good shape. Speaker 1 (00:10:44) - Richard, I don't even think that everyday depositors understand the fractional reserve lending institution system, which is really how most banks operate, and that is when a depositor gives the bank money or the money goes ahead and lends that out, that difference, that spread being their arbitrage, which is how they stay in business. I've got a rather interesting question, perhaps are full oil reserve banks feasible as the norm? And what I'm talking about there is banks that can't lend depositors money out and instead that bank needs to profit by charging fees to depositors. Speaker 1 (00:11:23) - Now, I know everyone likes to get something for free, but would that be a more responsible system? Are full reserve banks feasible at all? Speaker 3 (00:11:31) - If you did that. You know, that's something I've studied quite a bit, and that was a very active question, by the way. Yeah. In the founding of our banking system here in Pennsylvania in 1781, it's a question that's been around forever. Any economy needs to have money created in order to grow, and the banking system is what does that now. But if you banned that in the banking system, it would just have to happen somewhere else. Speaker 1 (00:11:58) - Were there any prominent names that were involved with the setup of banking in Pennsylvania? Speaker 3 (00:12:06) - The name that you hear the most is the guy named Robert Morris, who was the head of it was in effect, the secretary of the Treasury during the Revolutionary War. But his senior partner was the original banker in the United States, and his name was Thomas Willing in history has more or less forgotten him. And that's, by the way, the subject of my next book. Speaker 3 (00:12:30) - I'm in the Middle of writing a biography of the origins of the US banking system and our first banker, Thomas Wells. Speaker 1 (00:12:38) - There is a Robert Morris University in Pennsylvania, of course, and we're talking about history here, Richard. And I know that you have an excellent sense of history about the nation's beginnings in land and in real estate. Can you speak to that? Speaker 3 (00:12:55) - The United States was all about land from the very beginning. You had massive land grants like to William Penn to found the state in the first place. But almost immediately after the founding of the country, you know, one of the reasons we had the American Revolution is because Great Britain prohibited colonists for owning land west of the Appalachian Mountains. And that was very frustrating to people like George Washington and others who had surveyed really lush pieces of land in the Ohio Valley. Immediately after the success of the revolution, the wealthy investors in America began buying millions and millions of acres towards the west, in the Ohio Valley, in Kentucky, in New York, in western Pennsylvania and the like, and got into trouble and brought the first financial crisis in US history, the land crisis of 1796 and 1797, because they were buying all that land on credit, either from the landholder, the private landholder or the the state or commonwealth that the land was in. Speaker 3 (00:14:14) - They bought this under the presumption that the value of real estate would always go up and of course it just didn't go up fast enough. And Robert Morris to speak of someone actually ended up in debtor's prison because he overextended himself, which is somewhat ironic since he's something of a icon for credit ratings and credit prudence. And yet he was very much of a wild speculator and ended up in prison destitute. Speaker 1 (00:14:45) - This is really interesting. Okay. And nefarious character early on in America's private real estate development, when the Appalachian mountain range in the late 1700s was deemed as the frontier to a lot of people. Speaker 3 (00:14:59) - Absolutely. Everybody was looking west of there for the big games and the big opportunities. Speaker 1 (00:15:06) - I mean, this is part of Manifest Destiny and the American Dream. So can you tell us more about a lot of that land in the early days west of the Appalachian Mountains? How much did the government claim is theirs and sell to private landowners on credit? And then how much were private landowners taking and were they allowed to make land claims and then sell it to someone else? Or tell us more about those early beginnings of that real estate setup? Speaker 3 (00:15:34) - Well, that's exactly right. Speaker 3 (00:15:35) - Most of that land was owned by the colonies, which in 1776 became states. The states own that land. The states all incurred massive debts in prosecuting the revolution itself. So by the time you get to 1783, 1787 states are deeply in debt and bondholders of state debt are not getting paid interest. And one way to alleviate that crisis was to sell land and selling it an acre here, an acre. There wasn't going to do you any good. So the states were selling land of 100,000 acre parcel a year, a million acre parcel there. Now, the guys that bought that, at first they were thinking, we'll do it, we'll develop towns, will lay out the towns, will survey them, will sell them, will attract settlers into this realm, will sell it plot buy plot to these settlers. But it was pretty clear that was a pretty slow way to make your money back. So they started looking to the wealthy in Europe and started sending brochures and agents to Europe to in essence, be able to flip their land in Early on, they were very successful at that. Speaker 3 (00:16:54) - Guys like William Bingham, who was the richest man in America, and Robert Morris, who was one of the richest, would make, you know, 100,000 here and 100,000 there, which is tantamount to making tens of millions. Now that ended. They started doing bigger speculations. There weren't the settlers to buy it. The Europeans got a little bit smarter. You had a major national financial crisis, including, by the way, it wasn't just those Western lands. One of the biggest parts of the financial calamity was in the new town of Washington, DC, where they were moving the government, and people came in, including Robert Morris, thinking it's the seat of government where this is going to be a boomtown. And a lot of folks got into deep trouble speculating on plots in Washington DC. Speaker 1 (00:17:42) - And if you're the listener, think that this sounds rather unorganized and free wheeling. Of course, we just need to think back a little bit earlier as to what happened when we as colonists went ahead and wrested the land away from the natives as well, of course. Speaker 1 (00:17:57) - But yeah, Richard, you talked about some of the draw and the appeal to some of the land around Washington, D.C. there along the Potomac River. But just generally overall, in a lot of cases, this new American government, who were the land sellers trying to attract or were they trying to attract them to do, for example, was it to only and to set up a farm for agriculture or was it for trapping or what attracted people to this new land grab, if you will? Speaker 3 (00:18:24) - The basis of wealth early on in the United States was the crops that we grew. And that obviously, first and foremost was wheat and the biggest supplier of wheat, not just in the United States, but to Europe was Pennsylvania. That's why Philadelphia became the largest city in the United States. Then just south of US and Maryland and Virginia. You had tobacco, which was our number one crop, but it was our number one export. South of that, you had indigo and rice. The further north you got, there really wasn't a lot of arable land. Speaker 3 (00:19:03) - And that's why, you know, places like Massachusetts had to turn the manufacturing so heavily. It was really that. And fishing for cod were the only thing they could do. So, yeah, absolutely. We were a breadbasket for not just the country, but the world almost from the beginning. Speaker 1 (00:19:21) - You talk early on about the extension of credit and how that enabled settlers to go ahead and own some of this new land? Is this sort of the early formation of long term mortgages? When did that. Speaker 4 (00:19:35) - Occur? Speaker 3 (00:19:36) - Well, absolutely. You know, really from well before independence. One of the problems you had is that there wasn't enough currency to really facilitate economic growth. So they began issuing paper currency in various forms. And a lot of these were very successful. This was done at the state level. And what they would do is they would create land banks. And so you would go in and take your land as a farmer. You would take it to the land bank and you could get currency up to half the value of your land and you'd pay interest on it. Speaker 3 (00:20:14) - So it was really was a de facto mortgage, a. Speaker 1 (00:20:18) - 50% mortgage, a. Speaker 3 (00:20:19) - 50% mortgage, and you could spend that currency. They were well managed early on. Most of these didn't work, failed. And the first real commercial bank was Thomas Williams Bank in 1781 and Philadelphia. Speaker 1 (00:20:35) - What were interest rates like at this time in these formative years of our nation. Speaker 3 (00:20:40) - For bigger transactions, the range was really just 5 to 6%. It might get down to four, might get up to seven. Interest rates in the U.K. were closer to five and us, they were closer to six. There were breakdowns by a slice of an interest rate, so there wasn't an interest of 5.1% or 5.2%. And for high risk transactions, you could easily get into the same interest rate realm that some of our usurious lenders do today. Yeah, you see situations where folks in dire straits would borrow for an interest rate of 5% a month. A lot of loans in those days were very, very short term. There were the land loans that were long term. Speaker 3 (00:21:28) - Most commercial banks made loans for 30 to 90 days, and they really were meant to bridge the period from when you, as a merchandiser bought your wholesale supplies to when you sold them as goods to the folks in your town. You could roll those loans over. But they were very short term back in those days. Speaker 1 (00:21:50) - That is interesting. Those are really short term loans. And this is pretty parallel with what I've read around that time, that interest rates seem to be about 5%, something like that. We're talking about the formation of this nation, its beginnings in land, in real estate, and how that intersects with banking and the mortgage market and really part of the manifest destiny in the westward expansion of the United States. Yes, we are talking about a popular four letter word debt, and that word debt has only become more popular in America with consumerism here in past decades. So when Richard and I come back, we're going to talk more about debt today in the United States. In his new book, The Paradox of Debt, you can get that at Paradox of Debt. Speaker 1 (00:22:35) - More we come back with Richard. I'm your host Keith Wayne hold you're listening to Get Rich Education. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. 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So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to 66866. This is author Jim Rickards. Speaker 4 (00:24:22) - Listen to Get Rich Education with Keith Reinhold and Don't Quit Your Day Dream. Speaker 1 (00:24:37) - Welcome back to Get Rich Education. We're talking with the guest that served as the secretary of banking and securities for the great state of Pennsylvania since 2020. Today, he's the author of an interesting new book. It's titled The Paradox of Debt A New Path to Prosperity Without Crisis. His name is Richard Vig. He's joining us from here in Pennsylvania, where we are together today. And Richard, I know that you have a lot of commentary about modern debt and what we can do about today's debt and how debt really seems to have expanded a lot since Nixon pegged us from the last vestige of the gold standard back in 1971. Speaker 1 (00:25:14) - I guess really the preeminent question, Richard, is should debt be a concern? We read all these stories about unrelatable numbers, about how the United States has $33 trillion of stated public debt. What's problematic? Speaker 3 (00:25:30) - There's a lot more private sector debt than public debt. And I think private sector debt is the area where we need to focus and where our concern needs to be. Private debt has increased since World War two from 35% of GDP to 160% of GDP. Wow. So it's almost quintupled. There's about $41 trillion worth of private sector debt. That's a bigger number than the government debt number, and that's globally as well. There's about a $150 trillion worth of private sector debt and only about $90 trillion worth of government debt. Speaker 1 (00:26:09) - And what is private sector debt? Are we talking about automobile loans, credit card loans, student loans? Speaker 3 (00:26:14) - It's roughly divided between business and household debt. So if we've got 40 trillion in debt, it's about 20 business and 20 households. And within both of those categories, the single biggest type of debt is real estate by far. Speaker 3 (00:26:31) - So within household debt, it's about 20 trillion. Almost 14 trillion of that is mortgage debt. On the business side, it's about 20 trillion. About 6 trillion of that is commercial real estate debt. So there's never been a time where real estate debt, household and commercial has not been really kind of the driving force of the economy. Speaker 1 (00:26:57) - You got public sector debt and you got private sector debt. And, you know, it's kind of funny, Richard, if someone asked me what the difference between those two is, there's a few different directions you could go. What I like to tell some people is, well, the government can just print dollars, okay? Everyday consumers in businesses, they don't have that handle. So the government can print dollars and they can call that whatever name they want to quantitative easing. Maybe they want to call it currency creation. But over here, if the individual tries to do something like that, it's called counterfeiting. So, yes, it can be more problematic. Individuals cannot print their own dollars at home. Speaker 3 (00:27:32) - That's exactly right. And that's why private debt is the area that we should focus more on. If you think about the great financial crisis of 2008, mortgage debt in 2002 was $5 trillion. By 2007, it was $10 trillion. It had doubled in less than five years. And we all now know that was millions of mortgages that it should never have been made. That was mortgages where the individuals had no income, no job, no assets. Those were homes that stood empty for years. And in many cases, they had to get torn down. Speaker 4 (00:28:10) - Yeah. Speaker 3 (00:28:11) - If you want to look out for trouble, the place to look is in the private sector debt. And the way to detect it is wherever it's growing very, very rapidly, that's where you're going to have a problem. Speaker 1 (00:28:23) - So that's therefore a way to help predict economic crises. It's debt growth or I guess you could really call it credit growth as well, right? I mean, both credit and debt are basically the same terms for the different side of a transaction wherever the growth in that is most rapid is really where the economic cracks are. Speaker 3 (00:28:43) - That's exactly right. And the fact that the Federal Reserve did not spot that in 2005 and six is one of the great stories of our time. They build economic models that don't even include debt as a factor whatsoever. Everybody finds that very surprising. It's called the DSG model, and it models the future of the economy without taking into consideration anything about debt. Speaker 1 (00:29:12) - Why is that excluded? Mean, I'm a bit taken aback by what you just told me. Think you can tell. Speaker 3 (00:29:18) - It's the fact. And economists got so theoretical going back a couple of decades that they started separating out financial economy from what they call the real economy. And they just stopped studying the financial economy as kind of a secondary matter to the real economy. The real economy would be, you know, the wheat and the automobile that gets manufactured and so forth and so on. My argument is those two things are inseparable. You shouldn't and cannot consider one without the other. And that's a huge blind spot in our Orthodox economics profession. Speaker 1 (00:30:01) - Tell us more about how what we've discussed ties in to the thesis of your book. Speaker 1 (00:30:06) - Richard The Paradox of Debt. What's the paradox? Speaker 3 (00:30:10) - Paradox is that debt creates wealth, but it also creates calamity. So, for example, in the pandemic, 20 through 22, government debt alone increased by $8 trillion. Household wealth increased by $30 trillion. So the money the government spends does not disappear. It actually goes into the checking accounts of households. So at the end of that three year period, households had 8 trillion more in deposits in their checking accounts. And the flood of new money had pushed up real estate and stock values. So cash in bank accounts increased by 8 trillion, and the value of real estate and stocks increased by 20 something trillion. So households were $30 trillion better off at the end of 22 than they had been at the end of 19. However, most of that, like 80% of that benefit, went to the top 10% of the population. And that's for the very simple reason that most assets, most stocks and real estate are held by the top 10%, like 65% of all the stock in real estate in the country is held by the top 10%. Speaker 3 (00:31:32) - The bottom 60%, six 0%, only hold about 14% of the stocks in real estate. So for real estate and stock values go up, it's the most well-to-do that get the benefit. Speaker 1 (00:31:47) - That's right. And it's really the listeners on this show that we want to help take from poor or middle class and help them understand something you said in just a couple of minutes ago, that debt creates wealth, which is a paradox to many. The title of your book is The Paradox of Debt. So here what we often do is get 75 to 80% loans on an income producing property where the rent income meets or exceeds all of the expenses. And this is creating wealth. How is that wealth generated debt? A 75 to 80% loan debt is leverage and leverage appreciation actually makes compound interest look pretty slow. So a very concrete example in a sense of the paradox of debt that we're using right here at Get Rich education. Richard. Speaker 3 (00:32:31) - You have described something that is not just true about real estate transactions, but it's true about the economy as a whole. Speaker 3 (00:32:40) - That's the essential analysis. Yeah. And to put some macro numbers on it, in 1980, total debt in the economy, government plus household was 125% of GDP. Today it's 260% of GDP. Yeah. Yeah. And that exact same time span, household wealth, net of debt went from 352% of GDP to 600% of GDP. Debt created. Well. Speaker 1 (00:33:12) - Yes, those are some astonishing figures. I guess as we're winding down here, Richard, one might wonder, well, where is the ceiling? When is the day of reckoning? When do we reach a calamity? How do we know that there's too much private debt and how does that actually look? Speaker 3 (00:33:29) - We have a chapter on that very subject in the book there. It's pretty easy to see that there's an end game on the private sector side. And right now we're at about 160% of GDP. We think that that's probably somewhere in the 225% of GDP range here in the United States when there's so much debt that the requirement to service that debt slows the economy down to near zero. Speaker 3 (00:34:00) - On the government debt, for the very reason you suggested that limitation doesn't really exist, the government could refinance its debt in perpetuity. As we said a moment ago, that ends up in the bank accounts of households anyway. So the thing I look to and I'm concerned about is private debt. Even though if you go flip on the cable news channels, you would think the world's about to end because of our government debt. Speaker 1 (00:34:26) - Now tell me, am I oversimplifying things here, at least with private debtors, everyday Americans, when an interest only payment on your debt exceeds your ability to service it each month? Is that the path to bankruptcy right there? Speaker 3 (00:34:42) - You got it. And whatever you say about an individual, you can say about the economy as a whole, because GDP is really just the sum of the individuals and businesses in the US. So if all the individuals and businesses are approaching this, the circumstance you just described, economy is not going to grow well there. Speaker 1 (00:35:03) - Any last things that you would like to tell us about you very well received book because again, it's called The Paradox of Debt in the subtitle is A New Path to Prosperity Without Crisis. Speaker 3 (00:35:14) - We cover the same material for the other six largest countries in the world. So if you read the book, you're not just going to learn about the US, you're going to learn about China, Japan, Germany, France, England and India. And I think it gives you the kind of fulsome grounding you need to better understand the news stories that we get such a barrage of every day. Speaker 1 (00:35:38) - That's right. We need a frame of reference and putting our own more domestic debt into perspective here. Well, Richard, if someone wants to get a hold of the book, remind them of how they can best do that. Speaker 3 (00:35:49) - Thank you so much. Go to Paradox of Debt or go to Amazon or Barnes and Noble and just search for that and it'll be right there. Speaker 1 (00:35:58) - Oh, Richard, you've helped expand our debt mindset somewhat here on the show today. It's been great having you here. Speaker 3 (00:36:05) - It's been such a privilege. Thank you for having me. Speaker 1 (00:36:14) - A lot of interesting history with Richard Vig today, this great state of Pennsylvania's secretary of banking and securities. Speaker 1 (00:36:20) - One concept that really hasn't changed throughout history that we discussed there is that inflation mostly benefits those at the top. Again, check out Richard's book at Paradox of debt.com. But yes, real estate, it is still known as an inflation hedge. You still hear that term thrown around a lot but I really try to use a different term not hedge I don't like hedge. Okay. In the investing world, the word hedge means something that you do to offset risks. I don't like that word used with real estate. So therefore, the word hedge that really correlates with a defensive strategy. I mean, hedge, that's probably a better term for gold. Gold is a hedge against inflation. That makes sense to me. But where I draw the distinction is that investment property bought with a loan is not merely a hedge against inflation. That's why when I coined the real estate pays five ways back in 2015, the fifth benefit, it's not called inflation hedging. It is called inflation profiting. Now, if you're only looking at the overall capital price of your real estate, even your own home, well then it's dollar denominated price alone. Speaker 1 (00:37:42) - Well, that could be a hedge against inflation. But that's only the beginning, because when you get the fixed interest rate debt with it, now you're profiting because inflation debases your debt while the tenant makes all of the payments. And then as your rents rise with inflation, the reason that your monthly profit, your cash flow rises faster than inflation is, of course, due to the fact that your principal and interest payment stays fixed and feels really low over time. That's the inflation Triple Crown that I just described right there. And that's why when you buy investment property, REIT real estate is not just an inflation hedging vehicle, it is an inflation profiting vehicle. And today real estate isn't just scarce. It is still about 60% below the needed supply. And then amidst that, within that, single family homes are even more scarce. And then entry level homes that make the best rentals are even more scarce than that. But here on the show, we connect you with those builders and providers that are making the most in-demand properties available. Speaker 1 (00:38:59) - Oftentimes these single family homes that are entry level. So therefore, in this environment, if you can get a hold of those, you are going to own a scarce asset that everyone wants. That's what we help you do here. But mortgage rates have been a hindrance for adding investments. But with our referral network here, we have largely solved that problem for you. We have providers that offer 5.75% mortgage rates because they buy down your rate for you less. We're going to show you've heard how a Marketplace income property provider is offering an astounding 4.75% mortgage rate. And although it has some shortcomings, there are also 2.99% seller financed investment properties that you can tie up. Yes. Today. So profit from a scarce asset that everyone wants and benefits from higher inflation. And today it really tilts toward you, often giving more consideration to new build properties because builders, they're the ones that are aggressively buying down your rate for you today. And new builds also have lower insurance rates last year. To make it easier for you, we started our free investment coaching service so contact your investment coach to help get you started. Speaker 1 (00:40:19) - Some of our more popular markets lately are in Ohio, Indiana, Missouri, Tennessee, Alabama, Florida, Georgia in summer. So whether you like to connect with the provider on your own, if that's what you like to do or if you don't, you can then just utilize our service free of charge investment coaching. You can do all of that at GREmarketplace.com thanks to Richard Vague today until next week I'm your host Keith Weinhold. Don't quit your daydream! Speaker 5 (00:40:57) - 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. Speaker 1 (00:41:25) - The preceding program was brought to you by your home for wealth building. Get rich education.
For more coverage on the issues that matter to you, visit www.WMAL.com, download the WMAL app or tune in live on WMAL-FM 105.9 FM from 5-9 AM ET. To join the conversation, check us out on Twitter: @WMALDC, @LarryOConnor, @Jgunlock, @patricepinkfile and @heatherhunterdc.See omnystudio.com/listener for privacy information.
Governor Josh Shapiro is a huge sports fan. He recently sat courtside at a Sixers game and cheered for the Eagles at the Super Bowl. But who paid for those tickets? City Cast's Megan Harris chats with Stephen Caruso, capitol reporter for Spotlight PA, about the rules around gifts and campaign contributions to elected officials. The Shapiro administration insists the governor did not violate his own gift ban when he went to the Super Bowl, and the administration called the recent Sixers game a “political meeting.” Want some more Pittsburgh news? Then make sure to sign up for our morning newsletter. We're also on Twitter @citycastpgh & Instagram @CityCastPgh! Not a fan of social? Then leave us a voicemail at 412-212-8893. Interested in advertising with City Cast? Find more info here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Manisha Thakor is on a mission to help American women learn how to live their lives from a position of financial strength. In today's program Manisha Thakor, author of ON MY OWN TWO FEET: a modern girl's guide to personal finance? shares her expertise on managing your finances as well as ideas from her forthcoming book GET FINANCIALLY NAKED: how to talk money with your honey. Manisha's financial advice is featured in national publications such as: The New York Times, BusinessWeek, US News & World Report, Glamour, and Women's Day. Manisha has appeared on national TV networks including CNN, CNBC, Fox Business Network, and NBC. Manisha is also a regular personal finance blogger on The Huffington Post and a bi-monthly contributor to the nationally syndicated NPR show, 51% - The Women's Perspective” and a featured speaker at the PA Governor's Conference for Women helping thousands of women in business across the nation.
The United Nations environment agency issued its Emissions Gap Report ahead of this years COP 27 Climate Summit in Egypt. The report states that there is “no credible pathway to 1.5 degrees Celsius in place” - the target agreed upon in the Paris Climate Agreement. They now say that the only way to limit the most catastrophic effects of climate change is a “rapid transformation of societies.” Given current policies and commitments, the world is on track to reach a minimum of 2.8 degrees Celsius of warming by 2100 - which means significant portions of the planet will become uninhabitable. The UN climate report also find that the world is on pace to INCREASE emissions 10.6% by 2030. Elon Musk finalizes his takeover of Twitter. On day one he tweeted that the “bird is free,” and marked the occasion with the firing of several key executives at the company. Musk says he'll remove lifetime bans which will pave the way for the return of Donald Trump, QAnon, and science denying conspiracy theorists to the platform. And, Nancy Pelosi's husband Paul was attacked with a hammer in his home this morning. Montgomery Township Dems flag weird Mastriano “voter fraud” door hangers. PA candidates for Senate, John Fetterman and Mehmet Oz, took to the stage this week in their first and only debate ahead of the rapidly approaching midterm elections. The midterms are just over a week away and the polls are showing a virtual dead heat. Real Clear Politics has Fetterman ahead by just .3%, which is well within the margin of error. Of course, it didn't take long for national Republican leaders to take to the airways to mock Fetterman who is still recovering from a stroke. Republican National Committee Chairwoman Ronna McDaniel jumped on right-wing radio to joke that maybe between Biden and Fetterman, they could get a full sentence out. This is just another example of how Republicans have no shame in weaponizing their discrimination and cruelty. Democrat Josh Shapiro is still holding a six point lead in the race for PA Governor against Christian Nationalist Republican, Doug Mastriano. The International Space Station had to dodge some Russian space junk this week. The House of Dragon finale.
PA AG Josh Shapiro - Universal issues in PA Governor's race. by John Catsimatidis
This episode is very interesting. I am responding to the "fake news" comments in my most recent article. Also, Governor Wolf wants to bless some of PA residents with $2,000 checks from the state's Billion Dollar Surplus, but he faces some major opposition. This is the most chill podcast episode for me, especially talking about how many people said my article was "fake news". Yes, I have something to say. Grab a drink or snack welcome to the Café. This podcast is also available on Amazon Music now. --- Send in a voice message: https://anchor.fm/veronica-charnell/message
LIVE from Plein Air Easton 2022, Tim and Jess talk with alumni artist Julie Riker. They discuss her early years as an artist and how her career in architectural restoration influenced and informed her painting technique. "I consider myself primarily an observational painter, painting mostly from life, and often outside ‘en plein air'. Painting in one session, “Alla prima” keeps the surface fresh. I like to look for interesting compositions and often don't know what I will choose to paint until I get to a location. Sometimes what attracts me is simply a light effect and, though my work is representational, it is often the abstract patterns of shadows that get me started. I paint a vast range of subjects, and am always looking for a new challenge." Pennsylvania artist Julie Riker studied Illustration at the University of the Arts in Philadelphia. After graduating she became involved in the historic restoration of the PA State Capitol, replicating original decorative painting, stenciling and applying gold leaf and ornamental plaster finishes. In 1996 Julie started her own decorative painting business creating artwork for individual homes and businesses. Working out of her Camp Hill studio she specializes in custom art, decorative painting, murals and faux finishes for walls and furniture. She has travelled from New York to Florida for commissioned projects, and has even created and painted wall finishes for the PA Governor's residence in 2002. When not working for a client, Julie enjoys painting outdoors. Often these plein air paintings serve as inspiration for larger studio pieces, but some stand on their own as observations of the beauty and variety of nature. She has participated in many national plein air events and won several awards. Recent accomplishments are First Place at Paint Annapolis, Artist's Choice Award at Paint Snow Hill, People's Choice Award for Quick Draw at Finger Lakes Plein Air, Plein Air Magazine Award at the Wayne Plein Air Festival, Plein Air Salon Finalist, and Feature Artist juried into Plein Air Easton. Follow Julie Riker: Official Site Facebook Follow Plein Air Easton: Official Site Facebook Instagram YouTube Instructional Videos To inquire about being a guest or sponsoring the Plein Air Easton Podcast, send us an email at info@pleinaireaston.com. This episode is sponsored by JFM Enterprises, providing distinctive ready-made and custom frames & mouldings to the trade since 1974. Music in this episode was generously provided by Blue Dot Sessions.
Len asks if Biden will get a temporary bump from the terrorist killing. Decker says yes but it won't last long. Kansas voted down the reversal of Roe v Wade. Dr. Oz is trailing Fetterman in PA Governor's race.
Doug Mastriano or Josh Shapiro? The PA Governor race is a dead heat but Rich shares why Doug Mastriano could pull ahead in the race.
Dr. Oz has a 1,000-vote lead over his opponent with the votes still being counted. Dr. Oz got the all important Trump endorsement.
The Pennsylvania Senate primary results are too close to be called as the final outcome could be delayed in part by a printing error that has left about 22,000 ballots unable to be read by scanners. Plus, a dramatic sell-off on Wall Street as investors worry over inflation and a possible U.S. economic recession. To learn more about how CNN protects listener privacy, visit cnn.com/privacy
In today's episode:A night of GOP primaries goes in a (mostly) MAGA direction, but serious election integrity issues aboundDoug Mastriano wins the GOP primary for PA Governor and the campaign tactics that will be used against him are taking shapeThe news that half of the fake president's Twitter followers are just as fake as Joe Biden's presidency goes viralProject Veritas exposes another degenerate communist employed by TwitterTaylor Lorenz attempts to defend the Ministry of Truth and it's commissar, Nina Jankowicz.To support directly: ko-fi.com/imyourmoderatorbtc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Merch site: www.cancelcouture.com or shop.spreadshirt.com/cancel-coutureWriting at: imyourmoderator.substack.comFollow the podcast info stream: t.me/imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, Bitchute, Odysee, DLive or Gettr - @imyourmoderatorVisit mypillow.com and use promo code REASONABLE to support me, Mike Lindell, and his great American company!Listen at: https://shows.acast.com/bereasonable/ or on your favorite podcast app (except Spotify, I'm banned)RSS: https://feeds.acast.com/public/shows/623c9d211c3aa5001204d6ed See acast.com/privacy for privacy and opt-out information. Become a member at https://plus.acast.com/s/be-reasonable-with-your-moderator-chris-paul.
In today's episode:A night of GOP primaries goes in a (mostly) MAGA direction, but serious election integrity issues aboundDoug Mastriano wins the GOP primary for PA Governor and the campaign tactics that will be used against him are taking shapeThe news that half of the fake president's Twitter followers are just as fake as Joe Biden's presidency goes viralProject Veritas exposes another degenerate communist employed by TwitterTaylor Lorenz attempts to defend the Ministry of Truth and it's commissar, Nina Jankowicz.To support directly: ko-fi.com/imyourmoderatorbtc via coinbase: 3MEh9J5sRvMfkWd4EWczrFr1iP3DBMcKk5Merch site: www.cancelcouture.com or shop.spreadshirt.com/cancel-coutureWriting at: imyourmoderator.substack.comFollow the podcast info stream: t.me/imyourmoderatorOther social platforms: Truth Social, Gab, Rumble, Bitchute, Odysee, DLive or Gettr - @imyourmoderatorVisit mypillow.com and use promo code REASONABLE to support me, Mike Lindell, and his great American company!Listen at: https://shows.acast.com/bereasonable/ or on your favorite podcast app (except Spotify, I'm banned)RSS: https://feeds.acast.com/public/shows/623c9d211c3aa5001204d6ed See acast.com/privacy for privacy and opt-out information. Become a member at https://plus.acast.com/s/be-reasonable-with-your-moderator-chris-paul.
Mark Lawrence and Joe McGranaghan start out the week with an argument about if US Congressman Dan Meuser (R-9th, Dallas, Pa.) can call in, then he does, and has to stay within FCC guidelines. We discuss his endorsements in the US Senate of PA Governor's races, and the impact of Pres. Trump's endorsements. Then during open phones, we discuss the Buffalo, NY mass shooting, gun laws, red flag laws, mental health, juvenile justice laws, and all of the candidates for governor and US Senator.
Mark Lawrence and Joe McGranaghan start out the week with an argument about if US Congressman Dan Meuser (R-9th, Dallas, Pa.) can call in, then he does, and has to stay within FCC guidelines. We discuss his endorsements in the US Senate of PA Governor's races, and the impact of Pres. Trump's endorsements.
Mark Lawrence and Joe McGranaghan start out the week with an argument about if US Congressman Dan Meuser (R-9th, Dallas, Pa.) can call in, then he does, and has to stay within FCC guidelines. We discuss his endorsements in the US Senate of PA Governor's races, and the impact of Pres. Trump's endorsements. Then during open phones, we discuss the Buffalo, NY mass shooting, gun laws, red flag laws, mental health, juvenile justice laws, and all of the candidates for governor and US Senator.
Charlies Gerow is a Republican running for Pennsylvania Governor. He joins me today to talk about abortion, education, taxation, and more.
Zeoli Show Hour 1: In the first hour of the Zeoli show, Rich discussed the Trafalgar group polling showing a clear leader to win the GOP nomination for Governor of Pennsylvania with State Senator Doug Mastriano. The Senate nominee is a toss-up 6:04-NEWS 6:10-Trafalgar polling group shows a clear leader for Republican candidate for Governor on Pennsylvania; Senate nominee is a toss-up 6:25-Philadelphia's first property assessment in 3 years causes spike in property taxes for owners 6:35-Three Americans found dead in the Bahamas at the same resort Photo by: Getty Images
Kyle Sammin—Senior Contributor to The Federalist & Co-Host of the “Conservative Minds” podcast—joins The Dawn Stensland Show to discuss his latest editorial, “PA Gov’s Race is GOP’s to Lose, But They Can Lose It.” Sammin stresses the importance of nominating a Republican that is sufficiently conservative, but doesn’t turn-off Independent voters in the general election. For example, Sen. Doug Mastriano’s (the primary’s current leader) involvement in the January 6th Capitol riots could be off-putting to Pennsylvania’s moderate residents. Sammin’s article is available at RealRealPennsylvania.com.
Zeoli Show Hour 4: 902am News 908am Trump says he will not endorse his former US Attorney Bill McSwain for PA Governor 928am Caller's Chris Christie story 940am What's on the Cut Sheet - Self Driving Car gets pulled over in San Francisco, MSNBC's Mehdi Hasan Blames White Supremacy for White People's Resistance to Covid Restrictions, PA Democrat Fetterman Admits He's Far-Left: ‘Once Considered Too Left to Run … in 2016, Joe Biden Oddly Starts Whispering Before Microphone Shrieks with Feedback
Zeoli Show: 605am News 607am A bird pooped on Joe Biden610am Anti-Semitic Hate Crime in Lakewood NJ 613am Biden in Iowa talks about allowing more Ethanol being put in Gasoline 626am Battle over NJ School Curriculum- the politicians behind it are running scared 635am Color me Shocked- CNN plus struggles to lure viewers in its early days, drawing fewer than 10,000 daily users 652am PA House passes Fairness in women's sports bill 702am NEWS 705am Guest Jack Citarelli 722am Zeoli's interview with Zeoli makes International News 732am PA House passes Fairness in women's sports bill 743am Gay Reference Scrubbed From New ‘Harry Potter' Movie For Chinese Release 751am What's on the Cut Sheet- Cable News wastes no time blaming guns for Subway Shooting, Bill Maher and Joe Rogan say they are not more conservative Democrats got goofier 813am Dems in NJ urge Murphy to delay the sex ed in NJ Curriculum 820am News 825am Metaverse experts reveal if you can MURDER someone in the virtual world 837am Guest- LIZ WOLFE is an associate editor at Reason.com - Shanghai's Lockdowns Result in Starvation and Quarantine Enforcers Being Attacked 902am News 908am Trump says he will not endorse his former US Attorney Bill McSwain for PA Governor 928am Caller's Chris Christie story 940am What's on the Cut Sheet - Self Driving Car gets pulled over in San Francisco, MSNBC's Mehdi Hasan Blames White Supremacy for White People's Resistance to Covid Restrictions, PA Democrat Fetterman Admits He's Far-Left: ‘Once Considered Too Left to Run … in 2016, Joe Biden Oddly Starts Whispering Before Microphone Shrieks with Feedback
Mark Lawrence and Joe McGranaghan argue about if we should drop Daylight Saving Time, and then if so, should we adopt Standard time, or Saving time. Then we list the candidates of PA Governor and PA Senate. Also, one of our good callers makes a case for WW III.
Enough with the State of the Union Today: When it comes to the State of the Union, John extols the lost art of letter writing. Then, Barry Svrluga, sports columnist for the Washington Post gives his take on the baseball lockout and the end of baseball as an institution. Finally, former Congresswoman Melissa Hart talks about her campaign for the Republican nomination for PA Governor. See omnystudio.com/listener for privacy information.
Mark Lawrence and Joe McGranaghan host CBS News military analyst, US Army Colonel (retired), Gettysburg College adjunct faculty, security/leadership consultant Jeff McCausland. He talks about the US role in the Russian/Ukrainian crisis, Vladimir Putin's actions and motivations, and further analysis. During open phones, we discuss Cong. Lou Barletta's lead in a police, Sen. Doug Mastriano's second place ranking, and the importance Pres. Trump's endorsement in the PA Senate and PA Governor's races. We also discuss the Durham filing from Friday and Chris says Joe and Mark are stupid for believing such stupid lies.
Former U.S. Rep. Melissa Hart has launched her bid for Pennsylvania governor and she appears on the Delaware Valley Journal podcast to talk about her priorities: Growth in both the economy and the commonwealth's population. "They're growing in Ohio, so it's obviously not the weather," Hart tells DVJournal's News Editor Linda Stein.She also talks about ballot security and election participation, and she explains why she thinks being an "independent voice," not a party loyalist, is her best path to the GOP nomination.Hosted by Michael Graham.
Sotomayor Caught eating dinner with Pelosi and others after yesterday SCOTUS mandate hearing. Doug Mastriano announced Governor run in Pennsylvania, Biden Tirade 1/6 speech, Big radio show tomorrow evening from 7 pm to 8 pm est --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/joe-goldner/support
Here We Go Again Today: Another year, another lock-down…variant, closure, mandate. What's old is new again as we kick off the first show of the New Year in today's open. Then, Lou Barletta, candidate for PA Governor, claims more illegal immigrants have been flown into PA, this time to the Lehigh Valley. Finally, Joe Warmington at the Toronto Sun reports on the latest Ontario lock-down order for indoor dining, gyms, museums, casinos, and indoor gatherings of more than five. See omnystudio.com/listener for privacy information.
Dom leads off today's second hour by continuing the discussion from the first, discussing the heightened crime in Philadelphia and the harmful policies of DA Larry Krasner. Before circling back, though, Dom takes a detour to discuss national politics, revealing a poll that shows Trump has a strong chance for the Hispanic vote in a duel with Joe Biden. Then, returning back to local issues, Dom plays back a clip from the show earlier this year, in which former PA Governor and Philadelphia Mayor Ed Rendell spoke out against the Philadelphia DA, adding another Mayor to the list of those willing to speak out against the current District Attorney. After that, Dom switches gears to discuss the national debate over whether women should be added to the draft rolls for the military, asking why anybody would support such an edict. Then, Giordano discusses international issues, dissecting the situation unfolding in Russia as it looks like the country prepares to invade neighboring Ukraine, and asks listeners whether the United States should send athletes to Beijing for the coming Olympics. (Photo by Jessica Kourkounis/Getty Images) See omnystudio.com/listener for privacy information.
WXVU's Allison Bajada and Ryan Dery interviewed Guy Ciarrocchi (R) inside the Dougherty Hall studios of WXVU on Saturday, November 20. Listen to the full 46 minute interview that details Guy's gubernatorial campaign and plans for the commonwealth. Guy is a Villanova Law graduate.
Guy Ciarrocchi, Chester County Chamber of Business CEO and gubernatorial candidate for Pennsylvania, rejoins the Dom Giordano Program to discuss both the issue of school choice and President Biden's new federal vaccine mandate. First, focusing on school choice, Ciarrocchi discusses a column he penned for Broad and Liberty, which examines the positive effects and implications of school choice, an issue he's centering his campaign around. Ciarrocchi explains that school choice is not about helping “double payers,” but rather offering the opportunity of educational choice to parents, no matter their background. Then, Giordano and Ciarrocchi discuss the vaccine mandate that President Biden announced today, which would require any businesses with over 100 employees to enforce vaccinations. (Photo by Getty Images) See omnystudio.com/listener for privacy information.
Former PA Governor Ed Rendell - Flooding in the state, global warming? Infrastructure. by John Catsimatidis
On today's podcast: ‘Tucker Carlson Originals' discovers shocking revelations about UFO activity on Fox Nation https://www.foxnews.com/media/tucker-carlson-originals-shocking-ufo-fox-nation Senators Look to Continue Government-Led Research into Strange UFO Sightings https://www.nextgov.com/emerging-tech/2021/08/senators-look-continue-government-led-research-strange-ufo-sightings/184814/ Larger Minority in U.S. Says Some UFOs Are Alien Spacecraft https://news.gallup.com/poll/353420/larger-minority-says-ufos-alien-spacecraft.aspx Local man named campaign manager for Pa. governor candidate https://www.thecourierexpress.com/news/local-man-named-campaign-manager-for-pa-governor-candidate/article_d494a77c-9530-583c-ac96-3e37e061f7b4.htmlb Podcast Stuff Facebook: The Dark Horde - https://www.facebook.com/thedarkhordellc Facebook: The Tempest Universe - https://www.facebook.com/thetempestuniverse Facebook: Manny's Page - https://www.facebook.com/MannyPodcast Twitter: The Tempest Universe - https://twitter.com/ufobusterradio Twitter: The Dark Horde - https://twitter.com/HordeDark Discord Group - https://discord.com/channels/6ciao peeps!79454064890871869/679454064890871875 Mail can be sent to: The Dark Horde LLC PO BOX 769905 San Antonio TX 78245 Tel: (972) 591-8880
On today's podcast: ‘Tucker Carlson Originals' discovers shocking revelations about UFO activity on Fox Nationhttps://www.foxnews.com/media/tucker-carlson-originals-shocking-ufo-fox-nationSenators Look to Continue Government-Led Research into Strange UFO Sightingshttps://www.nextgov.com/emerging-tech/2021/08/senators-look-continue-government-led-research-strange-ufo-sightings/184814/Larger Minority in U.S. Says Some UFOs Are Alien Spacecrafthttps://news.gallup.com/poll/353420/larger-minority-says-ufos-alien-spacecraft.aspxLocal man named campaign manager for Pa. governor candidatehttps://www.thecourierexpress.com/news/local-man-named-campaign-manager-for-pa-governor-candidate/article_d494a77c-9530-583c-ac96-3e37e061f7b4.htmlbPodcast StuffFacebook: The Dark Horde - https://www.facebook.com/thedarkhordellcFacebook: The Tempest Universe - https://www.facebook.com/thetempestuniverseFacebook: Manny's Page - https://www.facebook.com/MannyPodcastTwitter: The Tempest Universe - https://twitter.com/ufobusterradioTwitter: The Dark Horde - https://twitter.com/HordeDarkDiscord Group - https://discord.com/channels/6ciao peeps!79454064890871869/679454064890871875Mail can be sent to:The Dark Horde LLCPO BOX 769905San Antonio TX 78245Tel: (972) 591-8880
On today's podcast: ‘Tucker Carlson Originals' discovers shocking revelations about UFO activity on Fox Nation https://www.foxnews.com/media/tucker-carlson-originals-shocking-ufo-fox-nation Senators Look to Continue Government-Led Research into Strange UFO Sightings https://www.nextgov.com/emerging-tech/2021/08/senators-look-continue-government-led-research-strange-ufo-sightings/184814/ Larger Minority in U.S. Says Some UFOs Are Alien Spacecraft https://news.gallup.com/poll/353420/larger-minority-says-ufos-alien-spacecraft.aspx Local man named campaign manager for Pa. governor candidate https://www.thecourierexpress.com/news/local-man-named-campaign-manager-for-pa-governor-candidate/article_d494a77c-9530-583c-ac96-3e37e061f7b4.htmlb Podcast Stuff Facebook: The Dark Horde - https://www.facebook.com/thedarkhordellc Facebook: The Tempest Universe - https://www.facebook.com/thetempestuniverse Facebook: Manny's Page - https://www.facebook.com/MannyPodcast Twitter: The Tempest Universe - https://twitter.com/ufobusterradio Twitter: The Dark Horde - https://twitter.com/HordeDark Discord Group - https://discord.com/channels/6ciao peeps!79454064890871869/679454064890871875 Mail can be sent to: The Dark Horde LLC PO BOX 769905 San Antonio TX 78245 Tel: (972) 591-8880
It's Dill Spears, Brent Liberty, and Ryan Seabreast this week!Brent talks about his vacation and a movie he should have seen, apparently. He did not see it. He also saw the greatest monster truck of all time: GRAVE DIGGER!We talk a little TST: Make sure to listen to TST #10 where Brent and Ryan talk to Joe Matos about his show! It's a great interview!We talk a little UFC 263 (Dill had a gang over for the show, a loverly time was had by all)Things are happening in Erie:Erie Ale Works had a grand opening!Ben Franklin Technology Partners started their Big Idea Contest: check it out at https://bigidea.benfranklin.orgIDIOT OF THE WEEK: Whoever writes headlines for GoErie! Don't bury the lead with things like “Man's Pants Shot”. Do better!================================================================================The Atacolypse Food Truck Beer Segment: Wicked Weed's Pernicious IPA – This is a great IPA! 4.25/5! Brent brought this back from his vacation, and if you can get this one, try it out! (We may have had some issues with the audio during the podcast, but you can watch this one on our Facebook page!) Don't forget, you can always catch the beer segment LIVE on our Facebook page every Wednesday at 5:30! ================================================================================After the break:Tom Ridge had a stroke – the former PA Governor and first Secretary of Homeland Security suffered a stroke this week! Get well soon, sir! Erie still loves you!Dan Laughlin is mulling a run for governor, and we discuss his chances. We still have an open invite for you, senator. Cathedral Prep grad Malik Moffett is going to compete at the US Olympic Trials on June 25! We're rooting for you Malik! (Be on the lookout for an interview with him soon!)Finally, a North East woman was scammed out of almost $69,000 dollars in an online swindle! Be sure to check on your elderly family, friends, and neighbors! Don't let them fall victim to this stuff!Be sure to to check out blissfulmeads.com and use code “idiotville” at checkout for 25% off your total order!Do you feel like you aren't getting enough Idiotville? Check out our Patreon for BONUS CONTENT at Patreon.com/idiotvillepodcast(c) 2021 Idiotville Podcast Universe. This content may not be used without written permission of Idiotville Podcast Universe, Inc. ================================================================================www.idiotvillepodcast.buzzsprout.com www.patreon.com/idiotvillepodcast - It's back!================================================================================Our theme song is composed and performed by Warehouse 11: Guitars by Brian Blake, drums by Dave Blake, bass by Chris Owochttps://www.facebook.com/Warehouse11Band/ http://www.warehouseelevenband.yolasite.com/================================================================================www.idiotvillepodcast.comwww.facebook.com/idiotvillepodcastinstagram: idiotvillepodcastTwitter: @BrentNLibery, @TheRealJakeNew1, @Dill_spears, @TedBrogan2, @MartyBalawkay, @Trashsportstakeidiotvillepodcast@gmail.comJoin our Facebook group!Support the show (http://Patreon.com/idiotvillepodcast)
Lou Barletta, Former U.S. Rep. (11th Congressional District), wants workers to be protected, police officers to be respected and for Pennsylvania politicians to get out of the way. See omnystudio.com/listener for privacy information.
Enough with the Whiteness Today: John opens with a push back against Critical Race Theory and racial stereotyping used against white people. Then, Jonathan Butcher, Fellow in Education at the Heritage Foundation talks about the connection between “whiteness” and capitalism. Finally, former US Representative Lou Barletta, on being considered the front runner for the Republican nomination for PA Governor. See omnystudio.com/listener for privacy information.
They don't make too many people like Saul Shorr. After hitchhiking across the country, working in sugar refineries, being in and out of college, Saul fell into working on Mo Udall's 1976 presidential campaign. He soon became an expert in big city politics, started his own media firm, and has helped elect Senators and Governors and Presidents.Saul has one of the most unique paths, some of the biggest wins, and many of the best stories after decades as one of the most respected admakers and strategists in the business. Trust me...if you like politics, you'll love this episode with Saul. Podcast WebsiteTwitter: @ProPoliticsPodTwitter: @ZacMcCraryFacebook: The Pro Politics PodcastIN THIS EPISODE...Robert Moses, of The Power Broker fame, has a lot to do with how Saul grew up in Queens…Saul's memories of the day President Kennedy died…Saul's favorite political slogan of all time…The unusual thing that happened to Saul on his second day working in politics…Saul works for the iconic American political figure Allard Lowenstein…A young Saul spends a day with Coretta Scott King…Saul cuts his teeth in Philly politics during the tumultuous late 70s and early 80s…Saul helps elect Ben Nelson Governor of Nebraska after starting at less than 1%...Saul grows his business by finding a niche with Lieutenant Governors in the South…Saul's paean to life on the road as a political consultant…Saul gives his view from a front row seat of tragedy and triumph of Mel Carnahan…What it was like when Saul joined the historic Obama 2008 team…David Axelrod's memorable when Saul put together test-attack ads against then Senator Obama…Saul's best practices on negative ads…Saul makes arguably the most memorable attack ad against Mitt Romney in 2012…Saul tells the story of how Al Franken's first TV ad “made him Minnesota” and helped propel him to the US Senate…Saul helps Tom Wolf break out of a crowded PA Governor's field…The one criteria Saul (jokingly) gives on bringing on a new client…Saul provides an itinerary for your next trip to Philly... ALSO… Jim Andrews, John Anderson (the Black one), John Anderson (the white one), Andre the Giant, John Ashcroft, Geno Auriemma, David Axelrod, Bob Bedard, Paul Begala, Lucien Blackwell, Sherrod Brown, Jerry Brown, Mary Beth Cahill, Jean Carnahan, Bob Casey, Dick Cheney, Robert Clark, Howard Coffin, Norm Coleman, Tom Corbett, Dick Durbin, Tom Eagleton, Mike Easley, Dwight Evans, Marc Farinella, Chaka Fattah, Diane Feldman, Alan Franken, Ben Franklin, Bill Gray, Pierre Howard, Jay Howser, Jacob Javits, Andi Johnson, Rabbi Meir Kahane, Robert Kennedy, Ed Koch, John Lindsay, Myra MacPherson, Kevin Mack, Adam Magnus, Josh Mandel, Terry McAuliffe, Rob McCord, Katie McGinty, Val Molin, Jim Margolis, George McGovern, James Michener, Molly Murphy, Ricky Nelson, Pall Mall unfilitereds, Elizabeth Pearson, Bev Perdue, David Perdue, David Price, JB Pritzker, Fran Rafferty, Frank Rizzo, Cokie Roberts, Mary Ann Sandretti, Allyson Schwartz, Joe Shafer, The Shorr Holding Company, Chris Sifford, Paul Tully, Mo Udall, Stewart Udall, Anthony Weiner, Alan Wheat, Dennis Wicker, Roger Wilson, Harriet Woods, Jim Young, and MORE!
Mark Schweiker, Former Pennsylvania Governor, says there is a consensus in Washington around a broad stimulus package post-election cycle. Christopher Harvey, Wells Fargo Securities Head of Equity Strategy, says the Senate race is most important because that is where fiscal stimulus and taxes come in to play. Jim Bianco, Bianco Research President, sees Treasury yields moving lower in the short term but expects higher yields going into mid-2021. Julie Norman, University College London Professor, says a Biden administration would bring a more stable and predictable foreign policy for the United States. Doug Kass, Seabreeze Partners President, discusses where he's investing in the wake of the election. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
Northumberland and Union County go green...PA Governor Tom Wolf and PA DOH Secretary Dr. Rachel Levine daily briefing, moving more counties to green, and announcing the latest COVID-19 numbers
5/29/20 PA Governor Tom Wolf and PA Department of Health Secretary Dr. Rachel Levine held their daily media briefing in front of a socially distanced group of reporters. They did not take questions sent electronically by WKOK. They announce that Northumberland and Union County are not going 'green' and that students will have school this fall--in school buildings. Many other announcements and clarifications are offered.
Since March 19, 2020, the PA Real Estate market has been in a form of suspended animation. For those agents who followed the law, business stopped on a dime. Properties that went “under contract” prior to that date were allowed to move forward although many municipalities and contractors were not willing or able to help complete the sale. Even then, many of those owners were frustrated in their efforts to buy their “next home”. Some ended up paying two mortgages. Otherwise, agents were not allowed to conduct business “in person”, owners with “active” listings could not have actual showings and buyers could not visit properties to see inside. Business could be conducted “virtually” which likely worked better with “under contract” properties since those prospective buyers had likely seen the interior of their intended purchase. Owners still looking for buyers had issues. Most buyers are reluctant, even in a competitive market, to make an offer without actually being able to see the interior. Buying “sight unseen” happened but I liken it to “online dating” where someone tells or shows you what they want you to “know”. What could go wrong? At least that was better than going on a “blind date”! While I respect different “business models” and understand that some buyers and sellers needed a “creative” solution to work past our being the only state where Real Estate was considered “non-essential”, buying “sight unseen” is risky. For a few hundred dollars a buyer could use a property inspection as a way out. While not intended as legal advice, it happens. Some buyers cannot afford to waste any money so this may not have been an option for them. What about a seller who risks this happening to them? If the listing agent follows the rules, the property history may stigmatize the property if others thought there were issues with the house whereas the problem was really the buyer. Fortunately, there is a new “dawn” albeit with some restrictions. Some sellers and buyers will jump at the opportunity; others may choose to wait to see what happens. How many are currently unemployed and unable to get financing? How many sellers need to buy their “next home” and are not ready to compete or who feel that the “right one” is not yet on the market? If possible, some sellers may want to get their house sold even if it means renting for a short time. At least their purchase won't be tied to a sale and they may be able to determine if they really like an area they were considering. As I always say, you cannot “time the market” so I encourage buyers and sellers to determine what is in their best interests. I am an experienced, trained and educated REALTOR and can offer the knowledge and insight to help you evaluate what is best for you. Assuming that people follow the guidelines and requirements for resuming Real Estate activity, my hope is that PA continues to improve so that we can avoid a set-back. Time will tell. Either way, I can help you now or later! I do suggest doing some planning and preparation so we can do an effective and efficient campaign when you are ready. That could make all the difference. In the meantime, please visit my web site, listen to my podcasts and read my blogs. There is no time for inexperience, empty promises or false expectations! HIRE WISELY: We are not all the same!
PA Governor Tom Wolf, PA DOH Secretary Dr. Rachel Levine conduct a Friday briefing and announce the first PA counties to go green.
Manisha Thakor is on a mission to help American women learn how to live their lives from a position of financial strength. In today's program Manisha Thakor, author of ON MY OWN TWO FEET: a modern girl's guide to personal finance? shares her expertise on managing your finances as well as ideas from her forthcoming book GET FINANCIALLY NAKED: how to talk money with your honey. Manisha's financial advice is featured in national publications such as: The New York Times, BusinessWeek, US News & World Report, Glamour, and Women's Day. Manisha has appeared on national TV networks including CNN, CNBC, Fox Business Network, and NBC. Manisha is also a regular personal finance blogger on The Huffington Post and a bi-monthly contributor to the nationally syndicated NPR show, 51% - The Women's Perspective” and a featured speaker at the PA Governor's Conference for Women helping thousands of women in business across the nation.
State Sen. Scott Wagner joins WILK's Sue Henry to discuss his campaign for PA Governor on the Republican ticket.
Joyce welcomes to the show, David Morrissey, executive director of the United States International Council on Disabilities (USICD), Tony Coelho, former congressman and author of the ADA, Tom Ridge, former Pennsylvania Governor, Jill Houghton, executive director of the United States Business Leadership Network (USBLN), and Dick Thornburgh, former PA Governor and former U.S. Attorney General. Each guest will talk about the recent efforts to ratify the UN Convention on the Rights of Persons with Disabilities Treaty (CRPD). The CRPD seeks to hold other countries accountable to the same standards of accessibility set forth by the Americans with Disabilities Act when it was passed on July 26, 1990.
Joyce welcomes to the show, David Morrissey, executive director of the United States International Council on Disabilities (USICD), Tony Coelho, former congressman and author of the ADA, Tom Ridge, former Pennsylvania Governor, Jill Houghton, executive director of the United States Business Leadership Network (USBLN), and Dick Thornburgh, former PA Governor and former U.S. Attorney General. Each guest will talk about the recent efforts to ratify the UN Convention on the Rights of Persons with Disabilities Treaty (CRPD). The CRPD seeks to hold other countries accountable to the same standards of accessibility set forth by the Americans with Disabilities Act when it was passed on July 26, 1990.
Joyce welcomes to the show, David Morrissey, executive director of the United States International Council on Disabilities (USICD), Tony Coelho, former congressman and author of the ADA, Tom Ridge, former Pennsylvania Governor, Jill Houghton, executive director of the United States Business Leadership Network (USBLN), and Dick Thornburgh, former PA Governor and former U.S. Attorney General. Each guest will talk about the recent efforts to ratify the UN Convention on the Rights of Persons with Disabilities Treaty (CRPD). The CRPD seeks to hold other countries accountable to the same standards of accessibility set forth by the Americans with Disabilities Act when it was passed on July 26, 1990.
Manisha Thakor is on a mission to help American women learn how to live their lives from a position of financial strength. In today's program Manisha Thakor, author of ON MY OWN TWO FEET: a modern girl's guide to personal finance? shares her expertise on managing your finances as well as ideas from her forthcoming book GET FINANCIALLY NAKED: how to talk money with your honey. Manisha's financial advice is featured in national publications such as: The New York Times, BusinessWeek, US News & World Report, Glamour, and Women's Day. Manisha has appeared on national TV networks including CNN, CNBC, Fox Business Network, and NBC. Manisha is also a regular personal finance blogger on The Huffington Post and a bi-monthly contributor to the nationally syndicated NPR show, 51% - The Women's Perspective” and a featured speaker at the PA Governor's Conference for Women helping thousands of women in business across the nation.
Former Governor of Pennsylvania and Attorney General of the United States, Dick Thornburgh and his wife, Ginny Thornburgh will be the honored guests of Joyce Bender. Discussed on the show will be Mr. Thornburgh's reflections on the Americans with Disabilities Act as we prepare to celebrate the 15th anniversary of this landmark legislation signed into law on July 26, 1990, by President George H.W. Bush. Additionally, Ginny Thornburgh will reflect on being selected as one of three distinguished recipients of the 2005 Hubert H. Humphey Civil Rights Award, sponsored by the Leadership Conference on Civil Rights.
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