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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. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your prequalification and you can chat with President Charlie Ridge personally, though even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with Freedom family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited. For some of them. It's all backed by real estate. And I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income.   Speaker 1 (00:23:48) - 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 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.    

On September 20, 2022, Pennsylvania Governor Tom Wolf signed House Bill 930 into law. This law requires that state police turn DNA samples of missing persons into NamUS, the National Missing and Unidentified Persons System. This law could change the landscape of missing persons cases across the state. Pennsylvania State Representative Lynda Schlegel Culver was contacted by Norma Jean Fritz, the mother of Jesse Farber, who went missing in 2015. This connection set the newly passed bill into motion. Today, we hear from Representative Culver and Norma Jean Fritz about how they pushed for this law, the impacts that it will have, and where they hope it goes from here. Hosted by: Anna Wiest Featuring: Representative Lynda Schlegel Culver and Norma Jean Fritz Please follow us on your preferred streaming platform and give us a good review if you've been enjoying what you hear. Also, share the show with your friends and tag us! Facebook: https://www.facebook.com/Harv-Productions-LLC-114278814603305 (Harv Productions, LLC) Instagram: https://www.instagram.com/harvproductionsllc/ (@harvproductionsllc) Photo by https://unsplash.com/@christianlue?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText (Christian Lue) on https://unsplash.com/s/photos/street-night?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText (Unsplash)

On September 20, 2022, Pennsylvania Governor Tom Wolf signed House Bill 930 into law. This law requires that state police turn DNA samples of missing persons into NamUS, the National Missing and Unidentified Persons System. This law could change the landscape of missing persons cases across the state. Dawn Michaels is the Chief Operating Officer of Lead me Home Today, a non-profit organizations that supports and advocates for families of missing persons. Today, she brings us her experience and what this law means for families of missing or unidentified persons in Pennsylvania. Hosted by: Anna Wiest Featuring: Dawn Michaels Please follow us on your preferred streaming platform and give us a good review if you've been enjoying what you hear. Also, share the show with your friends and tag us! Facebook: https://www.facebook.com/Harv-Productions-LLC-114278814603305 (Harv Productions, LLC) Instagram: https://www.instagram.com/harvproductionsllc/ (@harvproductionsllc) Photo by https://unsplash.com/@christianlue?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText (Christian Lue) on https://unsplash.com/s/photos/street-night?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText (Unsplash)

On September 20, 2022, Pennsylvania Governor Tom Wolf signed House Bill 930 into law. This law requires that state police turn DNA samples of missing persons into NamUS, the National Missing and Unidentified Persons System. This law could change the landscape of missing persons cases across the state. The missing persons case of Barbara Miller, which we covered in Season one, was one the minds of officials as they created this law. So, what will this law do for cases like Miller's? How might this law have affected Miller's case if the technology had been available in 1989? Listen to find out... Hosted by: Anna Wiest Featuring: Daily Item Reporter Francis Scarcella To view images from the investigation, visit: https://www.harvproductionsllc.com/music/ (www.harvproductionsllc.com/music/) Please follow us on your preferred streaming platform and give us a good review if you've been enjoying what you hear. Also, share the show with your friends and tag us! Facebook: https://www.facebook.com/Harv-Productions-LLC-114278814603305 (Harv Productions, LLC) Instagram: https://www.instagram.com/harvproductionsllc/ (@harvproductionsllc) Photo by https://unsplash.com/@christianlue?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText (Christian Lue) on https://unsplash.com/s/photos/street-night?utm_source=unsplash&utm_medium=referral&utm_content=creditCopyText (Unsplash)

Pennsylvania Governor Tom Wolf signed an executive order last month directing state agencies to discourage the practice of conversion therapy. Conversion therapy is the discredited and unscientific practice of trying to change someone's sexual orientation or gender identity. There are 20 states across the country that have passed laws explicitly prohibiting licensed professionals from engage in conversion therapy on minors. There are another five states that have executive orders similar to what was issued in Pennsylvania that specifically address state funding. Casey Peck, senior fellow for advocacy and government affairs with The Trevor Project, a suicide prevention and mental health organization for LGBTQ youth; and Carmen McKinney, a licensed clinical social worker for Alder Health, which provides affirming mental health care for LGBTQ community in central Pennsylvania; and Matthew Shurka, who co-founded Born Perfect, a national campaign working to end conversion therapy were on Smart Talk to discuss the importance of the executive order. When he was 16-years-old, Shirk was put through conversion therapy. "They try to find out what traumas I went through as a kid, and their theory was that some kind of traumatic experience caused my same sex attraction and that innately everyone is heterosexual and cis gender," Shurka said. ", I had a pretty good upbringing, so it was harder to define the cause of why I was gay and what their diagnosis was. I'm from the third child. The youngest of three are two older sisters, a mother that I was very close to and what they describe as a working distant father. And they said, this is the reason why I have I'm confused about my masculinity and I need to correct the rules in my own home." Shurka was then told he could not talk to his sisters and mother for three years and had to learn to "be one of the guys," he said. "And they explained that as long as they spend more time with the male figures, father, uncles, male cousins or the boys at school, I will learn how to be more connected to the guys and heal any issues they had in my masculinity," Shurka said. Gov. Wolf's executive order aims to prevent the experiences Shurka went through from happening to other people. "It specifically encourages the state mental health licensing boards to prohibit conversion therapy by licensed professionals throughout the state," Peck said. "And also directs that there be additional training and information for state agencies that are working with LGBTQ people so as to actually not only prevent things like conversion therapy, but also try and improve the experience for LGBTQ folks who are making use of state programs where all too often we see disparities in outcomes and some experiences of discrimination." Organization like Adler Health provide affirming care to the LGBTQ community. "Affirming care is just therapy that affirms who a person is, whether that is related to their sexual orientation, their gender identity," McKinney said. "It provides them with the space to explore who they are. If that's why they're coming to therapy and receive affirming care for the same reasons everyone else comes to therapy: depression, anxiety, relationship issues. Lets people get the same care that everyone else does." McKinney added that conversion therapy is not therapy and any mental health professional practicing it is actually going against their professional code of ethics.Support WITF: https://www.witf.org/support/give-now/See omnystudio.com/listener for privacy information.

Joe Biden tells a story even though he's apparently told not to. Biden claims that the Roe v. Wade overturn means hospitals would hesitate to treat women who had miscarriages. He also talks about a 10-year-old rape victim story that may or may not be true. A new poll claims that Joe Biden's approval rating could be as low as 29 points. Joe Biden misspoke and talked about "terminating a presidency." AOC criticizes Justice Kavanaugh in a tweet after he was harassed at dinner by abortion protesters. Kamala Harris sounds like she hasn't actually read the Constitution of the United States as she talks about the overturning of Roe v. Wade. Even though it's 110 degrees in Texas right now, ERCOT wants us to turn our thermostats up. Today is 7/11! Time to get your free slushies! Some people are mailing their poop to U.S. senators. Pennsylvania Governor Tom Wolf vetoes a bill that would prohibit men from participating in women's sports. Learn more about your ad choices. Visit megaphone.fm/adchoices

Full Hour | Today, Dom led off the Dom Giordano Program by providing updates and playing back reactions to the unprecedented Supreme Court leak centered on the reversal of Roe v. Wade. First, Giordano plays Pennsylvania Governor Tom Wolf's comments, in which he referred to both women and ‘birthing people' as being at risk after the ruling. Giordano takes umbrage with the phrase ‘birthing people,' lamenting that the Left can't keep things straight when dealing with and litigating social issues. Then, Giordano plays back Joe Biden's reaction, in which the President says that people should have the right to ‘abort their child,' which disgusts Dom. After that, Giordano moves into a conversation about the primaries playing out in Pennsylvania politics, previewing tonight's Senate debate between Dr. Mehmet Oz, David McCormick, Kathy Barnette, Carla Sands, and Jeff Bartos, telling how he believes the pro-life topic will be debated tonight, and tells how individual candidates should strategize to stand out.

Hour 2 of The Dawn Stensland Show: From the White House, President Joe Biden spoke about the U.S. economy ahead of the Federal Reserve's presumed increase in interest rates. Biden spent much of the speech blaming the prior administration for the country’s current economic woes. On Wednesday, Pennsylvania Governor Tom Wolf spoke about the dangers of the U.S. Supreme Court’s presumed repeal of Roe v. Wade. Wolf vowed to keep abortion accessible in Pennsylvania. Ben Carson—former U.S. Secretary of Housing and Urban Development—joins the show to discuss his new book, “Created Equal: The Painful Past Confusing Present, and Hopeful Future of Race in America.” Dr. Carson explains why he rejects the idea that the United States is systemically racist, the dangers of embracing a mentality of victimhood, and offers his insights on the Supreme Court’s presumed repeal of Roe v. Wade. He believes we need to stop viewing people with contrasting political ideologies as our enemies and be more civil towards one another. Dr. Carson is a Presidential Medal of Freedom recipient and the former director of Neurosurgery at Johns Hopkins. The book is co-authored with his wife, Candy Carson. A Burlington County woman is suing Dunkin Donuts, claiming she received severe burns when an employee accidentally spilled several cups of coffee on her legs.

Dom Giordano, WPHT host and former teacher, has dedicated much of his daily show toward parents who are taking it into their own hands to push back against school boards that have a negative impact on their children. This has culminated in a weekly podcast on education, Readin', Writin', and Reason, which has allowed wonderful relationships to develop between Giordano, educators, and parents throughout the country who are speaking out against overbearing school boards. This week, Dom spends time speaking with those in the know, people who have experienced much of what we're seeing first-hand before, and have fought back in their own ways. First, Giordano is joined by Eric Winter of Prince Law Offices, who has taken it upon himself to assist school boards in pushing back against a state-wide masking edict set forth by Pennsylvania Governor Tom Wolf. For more from Eric, head to PrinceLaw.com. In addition, Ian Prior, President of Fight For Schools, rejoins the podcast for an update on the situation playing out in Virginia, which has emerged as the canary in the coalmine for all issues centered around education during the pandemic. For more from Fight For Schools, and for information about an upcoming event featuring Dr. Ben Carson, check out FightForSchools.com. See omnystudio.com/listener for privacy information.

BJ Leber has been President & CEO of Adagio Health since September 2014. She previously served as President & CEO of The Western Pennsylvania Hospital Foundation, as well as Interim CEO for the YWCA, Chief of Staff for Pittsburgh Mayor Bob O'Connor and VP & Station Manager for WQED - Pittsburgh's Public TV and Radio Stations. In 2016 she was appointed by Pennsylvania Governor Tom Wolf to serve as Chair of the Intergovernmental Cooperation Authority. She was appointed by Governor Tom Wolf to the PA Commission for Women. She is a member and past president of the Pittsburgh Chapter of the International Women's Forum. She serves on the Board of the University of Pittsburgh Institute of Politics' Elsie Hillman Civic Forum Advisory Council, the Pittsburgh Water and Sewer Authority Board, and The Highmark Caring Foundation Board.

Former United States Attorney Bill McSwain rejoins the Dom Giordano Program for his bi-weekly check-in discussing crime in and around the city of Philadelphia. First, Giordano and McSwain discuss the resignation of New York Governor Andrew Cuomo, who stepped down in the face of sexual assault allegations. McSwain explains how he would have approached the situation as a prosecutor had he dealt with a case like Cuomo's. Then, Giordano and McSwain bring things more local, discussing the continued heightened crime in Philadelphia, comparing the situation we see unfolding in Philadelphia to similar situations like that of playing out in Chicago, and magnifying the role that elected officials such as Larry Krasner have in the tragic state of Philadelphia. After that, Giordano and McSwain talk about tools that law enforcement and the government could utilize to bring accountability back to criminality, including the moratorium on the death penalty set by Pennsylvania Governor Tom Wolf. (Photo by Getty Images) See omnystudio.com/listener for privacy information.

PUSHING VALUE-FOR-VALUE Thank you to the Bowl After Bowl Episode 92 Executive Producer Jamie for mailing nutraceuticals to the bowl for mom and baby wolf cub! If you've passed the bowl to a friend who has yet to donate, call them out as a MOOCH and point them in the right direction! Bowl After Bowl is a value-for-value podcast supported exclusively by the bowlers out there. No creepy advertisers or native ads. If you receive value, give some back to the bowl in the form of cuckbucks, crypto, art, ISOs, jingles, or even voicemails: (816) 607-3663 We had so much fun last Friday with Carolyn Blaney who joined us in the bowl for our latest episode of Bowls with Buds. Thank you, darling! CRYPTO COGNIZANCE Boosts are down in the Sphinx tribe as more and more people report trouble with the app. Four and five-digit boosts haven't been coming through on our end, so go ahead and break those down into smaller boosts for the time being.  METAL MOMENT The Rev Cyber Trucker is back with another Metal Moment, this time from the Land of the Rising Sun! Check out the J-rock band NINGEN ISU with Heartless Scat. TOP THREE 33 Did you know there will be33 sporting events in the Tokyo Olympics or that 33% of Americans approve of Biden's handling of the border according to the Daily Mail? There were only 907 respondents to their survey.  A domestic dispute led toa 33-hour standoff for Pennsylvania police officers with one victim losing her eye after being shot in the face. Meanwhile, Australia is dealing with it's second donation bin death -- this time of a33-year-old mom standing on a plastic bucket to peer in which slipped out from under her, causing her upper body to get stuck under the hinged opening while her feet dangled. Asphyxiation was her ultimate cause of death. Oh, and once again there is a story about33 cats + 12 kittens being rescued from an Illinois home. THE NEVERENDING COOF 33 deaths: Indonesia, Kamuli District (Uganda) 33 new cases: Alberta, the Pee Dee region of South Carolina, and Wisconsin A 33-year-old London dad who jokingly told a man the chippy wouldn't let him in with his mask on ended up being stabbed in the eye, which will remain stitched for a year and ultimately replaced with a prosthetic. BEHIND THE CURTAIN 33 kilograms of ganja were seized by Nagpur cops out of a train station toilet stall. That's 72.75 pounds, bowlers! Police found it while making the rounds with their bomb-sniffing dogs. Sha'Carri Richardson will not be competing in the Olympics because of a THC positive drug test. She is serving a one-month suspension. A reporter broke the news to her of her biological mother passing away a few days before the 2020 United States Olympic Trials and she admits to using weed in her legal state of Oregon to cope. Hours before it was scheduled for a House floor vote, Delaware adult use bill, House Bill 150, was removed from the agenda. The bill's primary sponsor, Representative Ed Osienski, said the vote was cancelled because they did not have the 3/4 (31) votes necessary to pass it with its proposed social equity fund. Had they removed the fund, they would only need a 3/5 majority. Delaware's earliest opportunity for legalization is January 2022. In 2015, a decriminalization bill passed and another bill expanded it to minors in 2019, but folks are still being arrested and locked up when caught with more than an ounce. Pennsylvania Governor Tom Wolf signed House Bill 1024 into law, increasing the amount of pot medical patients can legally possess from a 30-day supply to 90. They may also use telehealth and curbside pickup. Caregivers are no longer restricted to the amount of patients they can care for and more eligible conditions have been added: cancer remission therapy and central nervous system-related neuropathy.  As of July 1st, South Dakota patients will no longer be arrested for possessing three ounces or less of cannabis...as long as they alert the law enforcement officer of their condition and provide documentation from a doctor since they won't be able to get a card until this fall. The state's Department of Health shared its preliminary list of conditions covered by the medical program, which include AIDS/HIV, ALS, MS, cancer, Crohn's, epilepsy, glaucoma, and PTSD as well as any "debilitating medical condition" which was the language voters passed in 2020. The secretary of health says a process will be available for South Dakotans to petition to add more conditions in the future. Last Wednesday, a North Carolina Senate committee voted for the first medical marijuana proposal in the state's history with overwhelming support. It has two more committee hearings before going to the Senate floor for a vote. FIRST TIME I EVER This week the bowlers called and texted to tell us about the first time they ever came in a room. Thank you Carolyn Blaney for this week's hilarious #FTIE! Next Tokin' Tuesday we want to hear from YOU! Tell us about the first time you ever came outside, courtesy of the lovely quirkess. FUCK IT, DUDE. LET'S GO BOWLING. Employees of Kansas City's PB&J Restaurant Group who have worked there for 15 years were thanked for their service with a Harley Davidson motorcycle. A baby monitor recorded the moment a tree fell onto a Louisiana home but missed the 5-month-old. A California correctional officer was sentenced to seven months jail time after having a sexual relationship with an inmate.  A South Carolina prison guard was caught trying to smuggle prescription stimulant pills (amphetamine and dextroamphetamine) disguised in Rice Krispie treats into a women's prison. A decade after registering the license place '69PWNDU,' Tennessee officials took it away from the gaming astronomy geek who purchased it, ruling it offensive and in violation of the law -- but she's suing. $50 billion was accidentally deposited into Louisiana family's bank account with no explanation A 2010 Guinness Book of World Records certified tallest horse, a 20-year-old Belgian named Big Jake, has died. He was 6'10" and weighed 2,500 pounds. A Wyoming man who called the police to ask why he wasn't arrested after a raid on his house that never happened ended up getting pulled over later and arrested for driving under the influence of meth. The owners of a Chinese restaurant in Portland, Maine ordered a custom dumpling machine from China to help them fulfill demand for their frozen dumplings --but it ended up in Portland, Oregon. After finding out McDonald's didn't include dipping sauce for his McNuggies, an Ankeny, Iowa man called the store, threatening to blow it up and punch an employee. A criminal complaint was filed, he admitted to the threats and was arrested. HAVE A HAPPY 710!

"The right of citizens of the United States, who are eighteen years of age or older, to vote shall not be denied or abridged by the United States or by any State on account of age." In this episode, student representatives from the Students Learn Students Vote Coalition, Campus Vote Project, the Student Voting Network, and the Andrew Goodman Foundation join together to share stories about the 26th Amendment and what it meant contemporaneously as well as concurrently. CVP's Jenna Greene takes you back in time to relive the thoughts and emotions of young people, writing letters to their representatives, seeking greater representation during the tumult of the late 1960's and early 1970's. SLSV & CVP's Kassie Phebillo shares how people can engage with SLSV and its social media events celebrating the 50th Anniversary of the 26th Amendment. CVP Intern Kyah Probst moderates a discussion between CVP Democracy Fellow Alex Flowers, CVP Student Advisory Board Member Kamryn Yanchick, and CVP Democracy Fellow / Andrew Goodman Foundation Vote Everywhere Ambassador Christina Williams. President of Carnegie Mellon University's Graduate Student Assembly Divyansh Kaushik shares Pennsylvania Governor Tom Wolf's proclamation making April 27th a recognized day in the pantheon of Pennsylvania's democracy toolbelt. Join SLSV on Thursday July 1st from 2-3PM EST for a live Twitter chat, and engage with the resources below! You matter. Your vote matters. Your voice matters. Make it heard. Recommended resources and webpages for further review: CIRCLE Youth Vote 2020 Data: https://circle.tufts.edu/2020-election-center SLSV 26th Amendment Homepage: https://slsvcoalition.org/26th-amendment/ SLSV 26th Amendment Communications Toolkit: https://slsvcoalition.typeform.com/to/vTsaktDc SLSV Twitter Chat, Live on July 1st from 2-3PM, which you can find by following @SLSVCoalition on Twitter or by using #26ForThe26th, #26thAmendment, or #StudentVote 866OURVOTE.org. ENGLISH 866-OUR-VOTE / 866-687-8683 SPANISH/ENGLISH 888-VE-Y-VOTA / 888-839-8682 ASIAN LANGUAGES/ENGLISH 888-API-VOTE / 888-274-8683 ARABIC/ENGLISH 844-YALLA-US / 844-925-5287 If you're a student and want to join the Student Voting Network, you can join us here: bit.ly/svnslack If you want to find more resources about student voting in your state, check out Campus Vote Project's nationwide database for voting information: https://www.campusvoteproject.org/ A very special thank you to: The University of Oklahoma's Carl Albert Congressional Research and Studies Center for sharing constituent letters. SLSV Coalition, for tireless work in uplifting student voices. All episode participants. American Democracy, and the zealous defenders of it. Produced by Jenna Greene, Benjamin Nixon, and Kyah Probst. Music and editing by Benjamin Nixon.

Pennsylvania Governor Tom Wolf announced a charter school accountability plan earlier this month that “realigns what taxpayers are paying with what it costs to provide a charter option for students.” The proposals promise an estimated $395 million a year in savings and stops “draining funds from traditional public schools at a time they can least … Continue reading "Charter school accountability plan – Charter school advocates urge caution"

Pennsylvania Governor Tom Wolf told the KDKA Radio Morning Show that the mask mandate will not likely be lifted before June 28. See omnystudio.com/listener for privacy information.

Steve discusses whether the Fauci email dump will actually end up hurting him. Matthew Bellis, founder of Reopen Pennsylvania, joins the program to talk about his organization's successful efforts to strip Pennsylvania Governor Tom Wolf's emergency powers. Then, Daniel Horowitz of the Conservative Review podcast joins the program to discuss COVID politics. Finally, the team plays a game of 3 Questions. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this urgent, unscheduled episode of “Rattling the Bars,” Eddie Conway talks to Pam Africa, legendary Philadelphia activist and head of the International Concerned Friends and Family of Mumia Abu-Jamal, about the health of longtime prisoner Mumia Abu-Jamal, who was diagnosed with COVID-19 last week, and about the grassroots push to get him released. Phone numbers mentioned during this episode: Pennsylvania Department of Corrections: 717-728-2573Office of Pennsylvania Governor Tom Wolf: 717-787-2500Office of Philadelphia District Attorney Larry Krasner: 267-456-1000His inmate ID is: Inmate ID AM8335 Help us continue producing radically independent news and in-depth analysis by following us and making a small donation: Donate: https://therealnews.com/donate-ytSign up for our newsletter: https://therealnews.com/nl-ytLike us on Facebook: https://facebook.com/therealnewsFollow us on Twitter: https://twitter.com/therealnews

In this urgent, unscheduled episode of “Rattling the Bars,” Eddie Conway talks to Pam Africa, legendary Philadelphia activist and head of the International Concerned Friends and Family of Mumia Abu-Jamal, about the health of longtime prisoner Mumia Abu-Jamal, who was diagnosed with COVID-19 last week, and about the grassroots push to get him released. Phone numbers mentioned during this episode: Pennsylvania Department of Corrections: 717-728-2573Office of Pennsylvania Governor Tom Wolf: 717-787-2500Office of Philadelphia District Attorney Larry Krasner: 267-456-1000His inmate ID is: Inmate ID AM8335 Help us continue producing radically independent news and in-depth analysis by following us and making a small donation: Donate: https://therealnews.com/donate-ytSign up for our newsletter: https://therealnews.com/nl-ytLike us on Facebook: https://facebook.com/therealnewsFollow us on Twitter: https://twitter.com/therealnews

Prison reform is a very important for the recovery community and for those in active addiction. For far too long, our legal system has been focused on incarceration, when it should be focused on wellness. On this edition of Clean and Sober Radio, Host Gary Hendler and co-host Mark Sigmund talk with Nancy Leichter who lost her father due to a carjacking by three teenagers in 1980. Those teenagers were sentenced to life in prison for their crime. Nancy has recently advocated for the release of these individuals. Pennsylvania Governor Tom Wolf commuted their sentences last week and they were released We hear the details of this incredible story.

Listen to Smart Talk every weekday at 9am and 7pm on WITF 89.5 & 93.3. You can also stream WITF radio live on our website or ask your smart speaker to “Play WITF Radio.” In March 2020, Pennsylvania Governor Tom Wolf issued the first COVID-19 mitigation orders and closed schools across the state. Nearly one … Continue reading "Smart Talk: Teachers and schools continue to struggle during COVID crisis"

This week the team highlights a recent article detailing Pennsylvania Governor Tom Wolf's efforts to override the state legislature and implement the Regional Greenhouse Gas Initiative (RGGI)and what the new rules would likely mean for residents of the Keystone state. Links • ARTICLE Pennsylvania Governor Orders RGGI Implementation despite the Legislature: https://www.instituteforenergyresearch.org/climate-change/pennsylvania-governor-orders-rggi-implementation-despite-the-legislature/

Belarus is continuing to experience a revolt against the 26 year dictatorship of the post-Soviet dictator, Alexander Lukashenko. The situation came to a boil, fueled by yet another election rife with administration corruption, the creation of mutual aid infrastructure in the face of a government that abandoned public health measures in the face of the corona virus pandemic, decreased economic quality of life… people found each other and the state turned on them. In response to the police violence, regular folks came out into the streets to oppose the dictatorship and the system threatened collapse. Sounds familiar, doesn't it? For the hour, we speak with Ivan, a Belarusian anarchist living in Germany, about the uprising, doxing cops, the part that anarchists have played, the distinctions between pro-Democracy and anti-dictatorship activity, the upcoming week of solidarity with anarchist and anti-fascists of Belarus from November 23-30th, 2020 and how comrades from abroad can support not only those repressed but the activist efforts to sustain the resistance to the Belarusian dictatorship. You can learn more about the week of solidarity, including where to send solidarity funds and communiques at ABC-Belarus.Org. You can support wider protest infrastructure by donating at FireFund.Net/Belarus. A great news source that Ivan mentions to keep up on anarchist perspectives from Belarus (sometimes in English) is: Pramen.io/EN/Main/ Ivan also mentions, when talking about international solidarity, US corporations that are supporting the Belarusian dictatorship during this repression. They include: Apple has attempted to pressure Telegram to close the channels where protesters in Belarus have been sharing details on the police Sandvine (founded in Canada, funded in part from the US) was providing equipment that Belarus used to block access to Twitter, Facebook and international news sites. The country has a pretty bad history ala likely use by the governments of Egypt, Turkey and Syria to repress the populations of those countries, but in this instance (and pressure from the US Gov and Human Rights Watch) they appear to have canceled their contract with Belarus in September. Skype (owned by Microsoft) has been providing court infrastructure, as the trials of those arrested during the uprising is taking place over the video conferencing platform. Announcements Russell “Maroon” Shoatz Black liberation fighter Russell “Maroon” Shoatz has tested positive for COVID-19. Maroon, a former member of the Black Panther Party and the Black Liberation Army, is a political prisoner/prisoner of war held by the state of Pennsylvania. Maroon has been imprisoned since 1972, when he was given a life sentence for an attack on a police station, He was held in solitary confinement from 1991 to 2014, when he was allowed to return to the general population. Maroon is already being treated for stage-four cancer and is forced to live in inhumane prison conditions. Given his positive COVID-19 diagnosis and his already compromised health, we demand his immediate release and the release of all elderly prisoners. From a Facebook post on the page of Russell Shoatz III: Maroon “is a political prisoner enslaved for his efforts to liberate our people. He is the father of my dear friend, Russell Shoatz III. In addition to Covid-19, Maroon is also suffering from stage 4 colon cancer. He is living in tremendous pain, in unhygienic conditions where 30 inmates are being held in one room sharing one toilet. It is a violation of their human rights and Maroon's agreement with the state. Maroon is asking that all supporters call the office of Pennsylvania Governor Tom Wolf and demand his immediate, unconditional release, as well as that of ALL elderly prisoners infected with COVID-19. Please call (717) 787-2500 beginning the morning of Monday, November 16, and keep the pressure on!” Free Russell “Maroon” Shoatz and all political prisoners!” More, including a call script, at https://kersplebedeb.com/posts/urgent-take-action-for-russell-maroon-shoatz/   Jeremy Hammond Anarchist and Anonymous hacker, Jeremy Hammond has been released to a half-way house in his hometown of Chicago after over 10 years in prison, resisting a grand jury alongside Chelsae Manning and two bouts with Covid-19. Welcome home, Jeremy! Not sure when their next episode is due out, but Jeremy and his brother Jason both produce a podcast called “Twin Trouble”, a member of the Channel Zero Network and you can hear an interview that we did with Jeremy for June 11th this year. . … . .. Featured tracks: Gun (Instrumental Slow) by Chuck Berry from Have Mercy: His Complete Chess Recordings 1969 To 1974 Наш выбор – свобода! (“Freedom Is Our Choice”) by ЭлектропартиZаны (ElectropartyZans) Стены (“The Walls”) by Группа Аркадий Коц (Arkadiy Kots band) [rec 2012 original version L'Estaca, by Luis Llach (1968), translated into Russian by Kirill Medvedev, arranged by Arkady Kots band]

Tonight: Four days from November 3rd, the wild success story of early voting during a pandemic with Pennsylvania Governor Tom Wolf. Plus, Julian Castro on the Biden play for Texas, Steve Kornacki puts the state of the race in historical context, and what the last minute court decision means for absentee ballots in Minnesota.

1. Last week, the sports world briefly hit the pause button in wake of the Jacob Blake shooting, starting with the NBA. As a result, it was announced that all NBA clubs intend to use their arenas as voting locations for the general election, whether it be for voter registration drives, in-person early voting, and/or having county officials there to collect completed absentee ballots. Given all the issues and red tape with voting by mail (not just USPS), isn’t voting in person at a sports arena one of the best ways of voting imaginable, especially during a pandemic? 2. One of the President’s last remaining hurdles to overcome on the path to reelection is his handling of Covid-19. From a policy perspective, what MUST he do between now and November to prepare the country for the expected uptick of cases in the fall/winter? 3. In the aftermath of George Floyd’s unconscionable murder, we have seen America at its best and at its worst. I personally have witnessed both Biden and Trump voters alike saying we need to significantly address racial biases in our criminal justice system. But we have also seen lawlessness and violence on both the extreme left and right alike. Whether it’s Antifa setting fire to police facilities or armed white supremacists firing guns at innocent bystanders, EVERY American should be equally outraged at the instigators on both sides. And just this week, three innocent demonstrators (two anti-Trump in Kenosha, one pro-Trump in Portland) were killed. This has only heightened my concern that a wave of violence a million times worse than we’re seeing right now could erupt after the election, especially if it’s super close and the outcome is in doubt. What do both Democrats AND Republicans need to do ASAP to ensure that doesn’t happen? 4. Another nightmare scenario that could lead to such violence is the so-called “blue shift” that happened in the Arizona US Senate race in 2018. When we woke up the morning after the election, Martha McSally was leading, but the absentee ballots counted subsequently put Kyrsten Sinema over the top. If a similar scenario happened to Trump, which is possible given the fact that a record number of Americans are expected to vote absentee given the pandemic, it is a virtual guarantee that he will consider the election stolen. Currently, 14 states, including some key battlegrounds, prohibit the processing of these ballots until the morning of the election. However, Pennsylvania Governor Tom Wolf has proposed that the state begin processing absentee ballots three weeks before the election (as opposed to the morning of) so they have a better chance of completing the count by election night or the following day at worst. Do you agree with that proposal and if so, should all other battleground states follow? 5. Whoever wins in November will not only have to deal with this once-in-a-century pandemic, but an increasingly dangerous Russia and China, who are hell bent on creating a new world order in their respective totalitarian images. In recent weeks, Vladimir Putin has threatened to deploy armies to Belarus to help Lukashenko retain power and poisoned his chief rival, Alexei Navalny. Xi Jingping has accelerated his crackdown on pro-democracy activists in Hong Kong, and more alarming info about his genocidal campaign against the Uighurs in Xinjiang has come to light. And of course, China gravely misled us on the dangers of COVID-19. Putin and Xi are arguably the two most dangerous men in the world right now, and we need to act FAST in order to stop them. What do you think should and can be done in order to do so? Should we grant asylum to some Uighurs and dissidents of both regimes? 6. Thoughts on Steelers

Hey #WillisWarriors we are back again with another strain review, Panama Red. We discuss Minnesota's White Earth Nation legalizing medical cannabis, Pennsylvania Governor Tom Wolf expresses that legalizing cannabis can help the state financially. We then discuss Jacob Blake another tragedy that should've never happened and our thoughts and prayers go out to him and his friends and family. We kick back and relax and just have good time and we hope you all enjoy it. Please show your support by following us on Twitter & Instagram and email us.......Twitter: @WillisBrosPodInstagram: @willisbrotherspodcastEmail: WillisBrothersPodcast@yahoo.com#StandUnitedNeverDivided

Pennsylvania Governor Tom Wolf joins Larry and Kevin to discuss unemployment, fall sports, and medicine distribution for Covid-19.  See omnystudio.com/policies/listener for privacy information.

I've got a lot of things in the news to cover for this week: the predictable Biden choice for VP, Kamala Harris and gun control, Biden's nutty mask mandate and wearing masks on Zoom alone in your house (??!), the historic Israel-UAE agreement, update on Durham investigation, update on the Gen. Michael Flynn case, MSM Watch and how they slip in lies in news stories, male-only draft may to go to the Supreme Court, and a very funny mashup video going viral with Ben Shapiro taking on a famous rapper who has been blinded to reality by only listening to mainstream media. Also--why culture is so influential on politics; those who make songs are more influential than those who make laws. MENTIONED https://www.catholicnewsagency.com/saint/st-maximillian-kolbe-560 https://bearingarms.com/cam-e/2020/08/13/closer-look-anti-gun-kamala-harris/ A Closer Look At The Anti-Gun Activism of Kamala Harris https://www.washingtontimes.com/news/2020/aug/13/gun-control-a-sleeper-issue-compared-to-past-elect/ Gun control a sleeper issue compared to past election https://www.foxnews.com/politics/hillary-clinton-serve-biden-administration-ready Hillary Clinton suggests she's willing to serve in Biden administration: 'I'm ready to help any way I can' https://www.foxnews.com/world/netanyahu-hails-israel-uae-deal-peace Netanyahu hails Israel-UAE deal as 'greatest advancement toward peace' in two decades https://twitter.com/donaldjtrumpjr/status/1294251037705097217?s=11 https://townhall.com/tipsheet/mattvespa/2020/08/14/ag-barr-on-dojs-russian-collusion-origins-probe-a-new-development-will-drop-t-n2574353 AG Barr on DOJ's Russian Collusion Origins Probe: A New 'Development' Will Drop Today https://www.axios.com/biden-mask-mandate-three-months-b82bf6b0-c3df-40b0-b47c-9c32c824e960.html Biden calls for 3-month national mask mandate: "Be a patriot" https://www.foxnews.com/health/face-masks-coronavirus-zoom-calls Wisconsin state agency tells employees to wear masks during Zoom calls, even if home alone https://www.foxnews.com/us/male-only-draft-constitutional-federal-appeals-court Male-only draft is constitutional, federal appeals court rules https://6abc.com/pa-mail-in-voting-pennsylvaania-ballot-postal-service-delays-governor-tom-wolf/6369937/ Election 2020: Citing Postal Service warning, Pennsylvania Governor Tom Wolf's administration asks state Supreme Court to extend mail-in voting deadlines for November election https://www.foxnews.com/politics/dc-circuit-court-grills-lawyers-michael-flynn-case-dismissal DC Circuit Court grills lawyers in Flynn case over whether case should be dropped | Fox News https://www.elle.com/culture/music/a33537374/cardi-b-interview-september-2020/ Cardi B on Her New Music, Marriage to Offset, and Fighting for Breonna Taylor https://www.tmz.com/2020/07/15/megan-thee-stallion-shot-twice-foot-tory-lanez-arrest-glass-injury/ Megan Thee Stallion Says She Was Shot in the Foot, New Vid Shows Bloody Prints https://twitter.com/LebaneseJokerYT/status/1292978263707377664?s=20 https://www.washingtonexaminer.com/in-politics-fight-breitbart-knew-culture-is-key In politics fight, Breitbart knew culture is key ----- You can also watch this episode on Gayle's YouTube Channel: youtube.com/gayletrotterrightindc Follow Gayle Trotter-- WEBSITE: gayletrotter.com TWITTER: twitter.com/gayletrotter PARLER: @gayletrotter FACEBOOK: www.facebook.com/gayle.s.trotter INSTAGRAM: www.instagram.com/gayle_trotter/ Support: www.patreon.com/gayletrotter Voice-Over Artist: Rick Regan voice123.com/rickregan/

Pennsylvania Governor Tom Wolf joins Larry to answer some questions regarding reopening schools, school sports, unemployment, and children immunizations.  See omnystudio.com/policies/listener for privacy information.

I'm Uptown Serg and this is how the prison administration is exploiting the COVID-19 pandemic. While the COVID-19 pandemic is forcing all of us to adapt to a new normal, things on the inside of prisons continue to get worse. Understanding the severity of this moment in time, there are some prison staff who have been trying to show prisoners humanity, but the vast majority of prison guards have chosen to use this opportunity to exhibit some of the worst forms of inhumanity.When this crisis began, Secretary of Corrections John Wessel placed many measures in place with the alleged intent to mitigate the virus' spread throughout the prison system. However, not one of these measures have had anything other than a punitive impact on prisoners and our families and communities. For example, all visits have been suspended until further notice and replaced with one 45 minute Zoom virtual visit per week. Ou access to telephone and emails have been severely restricted. Prison guards have used this opportunity to act as ruthless dictators, ignoring the mental and emotional needs of an already marginalized population.Now that these restrictions are part of policy, prison guards have taken pleasure in denying prisoners basic human accommodations. And because of their hostility, the environment on the inside is extremely tense as these guards have pit prisoners against each other, keeping us divided and in competition over resources. Daily, we wonder if a spark was soon at night, this powder keg resulting in extreme violence or worse: death. We wake up each day under intolerable stress while these guards continue to provoke us. Sometimes it feels as if they want a violent confrontation to kick off, so they can just justify locking us in for 24 hours a day. The whole world is suffering right now and the response shouldn't be more control.This is a time when prisoners need more access, not less: access to our families, to mental health treatment and recreation instead of being punished. As a prisoner, I bear witness to how these punitive policies have only served to destroy family relations was already hang tenuously in the balance and are solely dependent upon whether or not a guard is having a bad day.Even if you hold the belief that prisoners deserved to be punished. Does that mean that we should have- does that mean that we should have less access to our families and other quality of life services? Why not just give prisoners the death penalty and get it over with? Why does society just turn a blind eye to the abuses that prisoners must endure? Is it because you think we deserve it, or is it because most people are too cowardly to speak out against the status quo?Yes, if you fight against the status quo, you may be criticized, and you may even suffer great material loss, and yes, if you accept the status quo, you may not be criticized and you may not suffer any green material loss. But when we fail to do what is right, especially in the face of wrong, we suffer a far greater defeat.We suffer an internal death, as Martin Luther King, Jr. once alluded to when he said that a man dies when he refuses to stand up for that which is right; a man dies when he refuses to stand up for justice; a man dies when he refuses to take a stand for that which is true. I agree with those words, even if it one day brings about my death at the hands of one of these guards, but you all have the power to stop that from happening.If you support this message, we urge you to call or email the Pennsylvania Department of Corrections Secretary John Wessel or Pennsylvania Governor Tom Wolf. Our bodies may still be alive, but the rest of us is dying slowly.Thank you, my name is Uptown Serg, you can follow me on Instagram @UptownSerg. 

Pennsylvania Governor Tom Wolf joins Larry and Kevin to discuss what his plan is moving forward as coronavirus cases increase across the country. He also plans to sign two police reform bills passed by the state house. 

Pennsylvania Governor Tom Wolf joins Larry and Kevin to discuss the extension for mail-in ballots, the plans for the National Guard in Pennsylvania, and how he will control the violence and looting that is taking place across the state.

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.

Joe Biden was virtually speaking to Pennsylvania Governor Tom Wolf when two "gaffes" occurred. For starters he openly told a staffer in a middle of him delivering a comment to "put that back on" meaning the teleprompter. Secondly, he was talking about Delaware Day and in doing so he said that December 7th is not just "D-Day". Hmm....we discuss!

Pennsylvania Governor Tom Wolf talked with KYW Newsradio today about the coronavirus pandemic in the Keystone State, when more counties will be moving from red to yellow, small business owners who are trying to stay afloat during this pandemic, and when social distancing restrictions might be eased, especially around the Philadelphia area which has been hit hard by the virus.

Pennsylvania Governor Tom Wolf joins Larry and Kevin to discuss opening Southwest PA, unemployment claims, and ,ail-in voting

Pennsylvania Governor Tom Wolf held a news conference Tuesday, April 28, 2020

Pennsylvania Governor Tom Wolf with a Keystone Conversations interview with Bill Mead.  

Dr. Jaewon Ryu address reporters and many others in a media availability Friday 4/17/20

Mark Lawrence and conservative Ben Reichley host calls and comments from COVID skeptics, people who don’t agree with the virus, the shutdown, the way the Gov. has shuttered everything and how the pandemic will impact us.

The Pennsylvania Association of Realtors filed an amicus brief supporting a lawsuit filed against Governor Tom Wolf last week. PAR is specifically requesting that the governor designate real estate services as a life-sustaining business, as most other states have done. What does this lawsuit mean? How do you get your voice heard if you are a Buyer or Seller wanting or needing to transact? Tune into episode #161 of Tom's Take to find out.

Pennsylvania Governor Tom Wolf has ordered the closure of all non-life-sustaining businesses starting at 8pm Thursday, March 19th. KYW Newsradio's Ian Bush, Charlotte Reese, and Tom Rickert break down the five-page list sent out by the governor's office to try and figure out what exactly is on the list of life-sustaining businesses, and what isn't.

One of the biggest changes brought to the Philadelphia area by coronavirus went into effect on Monday. March 16th, when Pennsylvania Governor Tom Wolf ordered all restaurants and bars in four counties in our area, Bucks, Chester, Delaware, and Montgomery counties, to end dine-in service for the next two weeks. On Monday afternoon, Philadelphia added itself to the restaurant restrictions -- pick up and delivery is still fine but you can't go to a restaurant and sit down to eat any more. So what does that mean for the businesses, their customers, and maybe especially the employees who have two weeks of empty restaurants to look forward to? KYW's Justin Udo checked in with the Folcroft Diner in Delaware County to find out how business has changed.

Pennsylvania Governor Tom Wolf has made the decision to close all Pennsylvania schools. A short time before that, Philadelphia officials announced, relunctantly, that schools in the city would shut down. KYW Newsradio City Hall Bureau Chief Pat Loeb joins KYW In Depth to explain how and why the city's plans changed so fast.

Pennsylvania Governor Tom Wolf ordered the closing of all schools, community centers, gyms, and entertainment venues in Montgomery County, the epicenter of the coronavirus outbreak in Pennsylvania. Jim Melwert joins KYW In Depth to break down what that means to people who live or work in Montgomery County, and whether something similar could be coming to people who live in other counties in Pennsylvania. This is the first episode of a new series from KYW In Depth on the coronavirus outbreak. Whenever something important happens or we have breaking news about the virus in the Philadelphia area, we'll put out an episode about what happened and why it matters to you. 

On Friday, Pennsylvania Governor Tom Wolf held a press conference to announce that two people in Pennsylvania have tested positive for the coronavirus. Over the weekend, health officials announced that four additional people are presumed positive, bringing the total to six. State Health Secretary Dr. Rachel Levine, MD, explained that Pennsylvania health authorities first test … Continue reading "The Coronavirus in Pennsylvania, what’s the latest?"

Sharmain Matlock-Turner, President and CEO, Urban Affairs Coalition (UAC), discusses the path that led her to become the organization’s first female president and CEO. The Temple University graduate has deep ties to Philadelphia, and she shares her passion for eliminating poverty in some of the city’s most vulnerable communities. Recently, she was appointed to Pennsylvania Governor Tom Wolf’s Pennsylvania Redistricting Reform Commission, and she serves on the Census 2020 Complete Count Commission and Philadelphia City Council’s Special Commission on Poverty Reduction and Prevention.

February 6, 2020 Guests/Topics:    Jim Willis, Marcellus Drilling News, responds to John Hess' comments that shale oil has peaked and global warming is real. Willis describes how Pennsylvania Governor Tom Wolf has been good to industry in some areas like pipelines and permits, but needs to be watched in areas [...]

Jim Willis, Marcellus Drilling News, responds to John Hess' comments that shale oil has peaked and global warming is real. Willis describes how Pennsylvania Governor Tom Wolf has been good to industry in some areas like pipelines and permits, but needs to be watched in areas of impact fees and [...]

A man is paid $4 million after spending 24 years in jail over a murder he didn’t commit. Meanwhile, U-Haul announces it will no longer hire smokers. Pennsylvania Governor Tom Wolf announces a new initiative to help with mental health issues in the state. And the 2020 Pennsylvania Farm Show butter sculpture has been revealed. See acast.com/privacy for privacy and opt-out information.

All of the current democrat presidential candidates are unelectable and are fake candidates. They have absolutely no chance of beating Trump. And the Dem Party knows this and have chosen these people for exactly this reason. The top 4 candidates, Biden, Sanders, Warren and Buttigieg have been unwittingly or perhaps knowlingly recruited to split the vote, insuring that no candidate heading into the convention will have the necessary 1990 delegates to clinch the nomination. This allows the true insider pick to emerge from behind the curtain and assume their rightful place as the nominee. The only question is will it be Hillary Clinton, Michelle Obama, Minnesota Governor Tim Walz or Pennsylvania Governor Tom Wolf.  We rate the odds of each one being selected. The governors are probably best situated to help recover the Midwest blue collar voter. But is it enough and are the Dems thinking that rationally? Let’s see what happens next. 

All of the current democrat presidential candidates are unelectable and are fake candidates. They have absolutely no chance of beating Trump. And the Dem Party knows this and have chosen these people for exactly this reason. The top 4 candidates, Biden, Sanders, Warren and Buttigieg have been unwittingly or perhaps knowlingly recruited to split the vote, insuring that no candidate heading into the convention will have the necessary 1990 delegates to clinch the nomination. This allows the true insider pick to emerge from behind the curtain and assume their rightful place as the nominee. The only question is will it be Hillary Clinton, Michelle Obama, Minnesota Governor Tim Walz or Pennsylvania Governor Tom Wolf.  We rate the odds of each one being selected. The governors are probably best situated to help recover the Midwest blue collar voter. But is it enough and are the Dems thinking that rationally? Let’s see what happens next. 

Pennsylvania Governor Tom Wolf granted clemency this year to 8 people serving life sentences. One of those people is David Sheppard. He's 54 years old, and in 1992 he was one of four people convicted of the robbery and murder of Thomas Brannan, a pharmacy owner in Overbrook. Sheppard served 27 years in prison before he was given his freedom. But after an email from the Lieutenant Governor accusing Delaware County's District Attorney of trying to hold up his clemency and a social media post by Kim Kardashian West, Sheppard found himself suddenly in the middle of a war of words on the national stage. KYW In Depth is a KYW Newsradio Original Podcast. Subscribe to the podcast on the Radio.com app, or wherever you listen to your favorite shows. 

On October 31, Pennsylvania Governor Tom Wolf signed the most sweeping reform to the commonwealth's election law in decades. The ACLU-PA supported the legislation, along with our partners in a coalition called Keystone Votes. One of those partners is Common Cause PA, and for this episode, Common Cause PA Executive Director Micah Sims joins the podcast to talk about how the reforms will benefit Pennsylvania voters and what work remains to be done. Find Common Cause PA on Facebook and Twitter [at]commoncausepa. And read a blog post by ACLU-PA Executive Director Reggie Shuford that explains why we supported the bill: https://www.aclupa.org/en/news/why-aclu-pa-supports-legislation-reform-pas-election-laws Correction: In the conversation, Andy says that mail-in ballots have to be postmarked by 5 p.m. on the Friday before the election. That provision was not in the final bill that was signed into law.

Over the summer, Pennsylvania Governor Tom Wolf announced a series of executive orders aimed at charter schools. His orders don't necessarily address the issues most agree need to be addressed. Instead, he has stirred up a contentious debate. At the heart of the debate are numerous myths surrounding charter schools. Are they "expensive?" Are they not performing well? Are district schools being financially impacted? Commonwealth Foundation V.P. and COO Nathan Benefield comes on the first episode of our podcast reboot to debunk the most common myths about Pa. Charters.

This call takes place in September 2018.  It's starts off with my Grand pop talking about how  his friend Mic Gaffney got a job for the PA railroad and he did not.  He then proceeds to tell me why he wants to punch Pennsylvania Governor Tom Wolf.  From there he talks about his illustrious sports career and how someone owes him money from a bet.

On May 7, 2018, Pennsylvania Governor Tom Wolf signed House Bill 595 into law. Now known as Act 17 of 2018, the legislation assigns the investigation and mediation of certain complaints regarding Pennsylvania planned communities, cooperatives, and condominiums to the Office of Attorney General’s Bureau of Consumer Protection. The legislation also recognizes the importance of dispute resolution procedures within each community association. CAI worked closely with the Bill’s prime sponsor, State Representative Rosemary Brown, whose 189th legislative district in Monroe and Pike Counties in the Poconos region, includes a very high concentration of community associations. Representative Brown is my guest today in this podcast where we’ll discuss the reasons behind the Bill and what she hopes to accomplish with the legislation. Community Matters is now available in the iTunes store and on Google Play. Subscribe there or download the podbean app and be the first to receive notifications when new episodes are posted.

On May 7, 2018, Pennsylvania Governor Tom Wolf signed House Bill 595 into law. Now known as Act 17 of 2018, the legislation assigns the investigation and mediation of certain complaints regarding Pennsylvania planned communities, cooperatives, and condominiums to the Office of Attorney General’s Bureau of Consumer Protection. The legislation also recognizes the importance of dispute resolution procedures within each community association. CAI worked closely with the Bill’s prime sponsor, State Representative Rosemary Brown, whose 189th legislative district in Monroe and Pike Counties in the Poconos region, includes a very high concentration of community associations. Representative Brown is my guest today in this podcast where we’ll discuss the reasons behind the Bill and what she hopes to accomplish with the legislation. Community Matters is now available in the iTunes store and on Google Play. Subscribe there or download the podbean app and be the first to receive notifications when new episodes are posted.

Former White House Aide Omarosa Manigault Newman releases secret tapes of President Donald Trump and General John Kelly. Rapper Nicki Minaj vs Rapper Safaree Twitter War explodes! Queen of Soul Aretha Franklin falls gravely ill. Good news: Pennsylvania Governor Tom Wolf signs Clean Slate Bill. Bad news: 29 year old Richard Russell steals plane in Seattle and crashes it on an island. Love and relationships discussion pops off!Tune in every Tuesday at 7pm on WPPM 106.5 FM on "TuneIn" app. Follow us on iHeartRadio, iTunes, Spreaker, YouTube, Instagram, Twitter, and Facebook. KEEP IT LOCKED!

This week on Flashpoint: Host and KYW Community Affairs reporter Cherri Gregg asks the burning questions about networking across gender lines in the age of #MeToo. This week actor Terry Crews gave emotional testimony about a business networking experience in Hollywood that turned into a sexual assault. Cherri also had a recent experience that raised questions on how men and women can better interact to avoid sexual tension. Jennifer Robinson, CEO of Purposeful Networking, Peggy McCausland an employement lawyer and president of the Forum of Executive Women Greater Philadelphia region and Dr. George James a marriage and family therapist weigh in providing advice and insight on how to set boundaries, avoid lawsuits and keep away from trouble at home. Our newsmaker of the week is State Rep. Jordan Harris, one of the lead sponsors of the "Clean Slate" bill signed into law this week by Pennsylvania Governor Tom Wolf. The bill will allow hundreds of thousands of Pennsylvanians with criminal pasts to get certain records automatically sealed from employers after 10 years. The legislation is the first of its kind. Harris discusses the bi-partisan effort, it's roll out and what's up next in Harrisburg when it comes to criminal justice reform. Our changemaker of the week is known as the "Hug Guy." David Hale Syvester is a big man, with a bigger heart. He's spent the past 17 years traveling the world giving hugs and high fives to strangers. At a time with division is at an all time high and civility is at an all time low, Sylvester's documentary, book and message of humanity and love is sorely needed. Flashpoint airs every Saturday at 9:30pm and Sunday at 8:30am on KYW Newsradio 1060AM. Subscribe to the Flashpoint podcast on iTunes, via the Radio.com app or other podcast platforms. See omnystudio.com/policies/listener for privacy information. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Journalist Flood the Drummer & shock-jock Ikey Raw offer up ideas to prevent gun violence, after Pennsylvania Governor Tom Wolf this week announced the $1.5 million Gun Violence Reduction Initiative. --- Support this podcast: https://anchor.fm/floodthedrummer/support

Marsy’s Law for Pennsylvania saw a series of important wins during National Crime Victims Rights week in early April -- with events highlighting the campaign across the state. Capping off those events, Pennsylvania Governor Tom Wolf officially declared his support for Marsy’s Law. We sit down with the state Senate’s prime sponsor for Marsy’s Law - Senator Guy Reschenthaler, and then government relations specialists Dennis Walsh and Joe Miller to talk about what happens next. Special Guests: Dennis Walsh, Joe Miller, and PA Senator Guy Reschenthaler.

This week we spoke with Romina and César, who are two members of the Black Rose Anarchist Federation in LA. We talk about what it's like organizing in an Especifist federation model of anarchism, about anarcho-communism, and tensions and points of unity between non federation and federation organizing. We wanted to interview these folks in order to present another model of possible engagement, for folks who perhaps are looking for ways to plug in. This conversation is somewhat introductory, and we welcome any feedback you have. To see more on this project, you can visit http://www.blackrosefed.org/ Announces Events Tonight, Sunday the 5th of March from 5 to 7:30pm at Firestorm in Asheville, join Blue Ridge Anarchist Black Cross for an evening of solidarity in the form of letter writing for long term political prisoners: people who are locked up for their activism and resistance to systems of domination and oppression.  Supplies will be provided as well as copies of the March 2017 prisonbooks Political Prisoner birthday calendar. More info can be found at https://brabc.blackblogs.org On Thursday, March 23rd, check out the Tranzmission book packaging party, also at Firestorm.  Tranzmission prison project is an all volunteer, books-and-zines-to-prisoners project that focuses on getting materials to incarcerated LGBTQI prisoners.  This event starts at 6pm. http://avlcommunityaction.com/ On Sunday March 12th at the Odditorium in Asheville, there'll be a benefit concert for folks facing charges attached to the J20 Inauguration protests in DC this January.  The door is at 8pm, it's a sliding scale donation and an all-ages show. Bands include: Gullible Boys; Mother Moses; Maitland +more TBA Water Crisis in PA Prisons Since August of 2016, Mumia Abu-Jamal and other Inmates at the State Correctional Facility in Mahanoy, Pennsylvania, have been plagued with unsafe drinking and bath water. For several months now, inmates have complained about brown, oily water in both the showers and the faucets of their cells. This has been an on-and-off problem from August 2016 to this very day. One of the inmates at SCI Mahonoy, Lorenzo Cat Johnson, when asked of the matter, stated that one week the water seems good and another week, when run, the water seems to go from the color gray to the color brown. As recently as last week in a conversation with MOVE Political Prisoner Edward Africa, Eddie was asked what he did for water and he stated that he obtained his water from a hot water filter that was on his cell block. So other than the alternative to obtain a little water from a hot water filter, men are being forced to shower and wash in brown water. Eddie stated that the only time inmates can get bottled water is when they are on a visit in the visiting room. All the while, prison staff are being provided bottled water at SCI Mahanoy and are being told not to drink the water because it's unsafe. Mumia Abu-Jamal, who is suffering from a very serious skin condition due to Hepatitis C, is required to take specialized baths in the prison infirmary, but has not been able to take these baths due to the water hazard. Grievances have been filed on this matter, but to no avail--the water situation has not been resolved. ENOUGH IS ENOUGH On March 6, 2017 there will be a National Day of Action aimed at both Pennsylvania Governor Tom Wolf and Department of Corrections Secretary John Wetzel. The power is in the hands of the people; the only way to make these officials respond is through massive public pressure, so we are upping the ante. From 9 am to 12 noon, folks are being asked to call, fax, and tweet theoffice of Pennsylvania Governor Tom Wolf. (P) (717)787-2500 (F) (717) 772-8284 (Twitter) @GovernorTomWolf From 1 to 3 pm, folks are being asked to call, email, and tweet Department of Corrections Secretary John Wetzel. (P) (717) 728-2573 (Email) Ra-crpadocsecretary@pa.gov (Twitter) @DOCSecretary These Are the Demands: (1) Inmates at SCI Mahanoy are provided immediately with clean waterboth for their bathing and other personal needs. (2) An environmental Protection Agency testing of the water at both SCI Mahonoy and SCI Frackville. (3) Bottled water be provided immediately to inmates in all Correctional Facilities across Pennsylvania. Let's keep the pressure on to get clean water for the men and women across Pennsylvania's state prisons. For more info, people can go to http://www.freemumia.com/ http://www.bringmumiahome.com Playlist pending

Sons of Lincoln LiveThursdays at 7pm east.Email the show at sons@sonsoflincoln.org or check us out on facebook at facebook.com/sonsoflincoln. Check out or website www.sonsoflincoln.orgElizabeth Greenaway, "The Petite Patriot", contributor to TheBlaze and potential Ted Cruz alternate delegate, joins us to discuss her path to a potential delegacy. She'll also be discussing why she is supporting Ted Cruz...and more! Check her out on facebook at facebook.com/ThePetitePatriotThe LGBT movement is marching on. Forcing our culture to adjust and accept certain abnormal behaviors. Freedom of speech and opinion are under attack. We talk about the battle for our culture and the LGBT movement. Plus much more... Show Topics:Potential Ted Cruz alternate delegate Elizabeth Greenaway joins us to discuss here path to running for a Ted Cruz delegacy.Vladimir Putin is rebuilding the Russian naval fleet.We have political analysis of the Republican primaries.Pennsylvania Governor Tom Wolf signed "LGBT anti-discrimination" legislation. We discuss the truth behiond this nonsense.Plus any breaking news...

Sons of Lincoln LivePROGRAM ALERT: Formerly The Fine and North ShowEmail the show at solteam@sonsoflincoln.org or check us out on facebook at facebook.com/sonsoflincoln. Check out or website www.sonsoflincoln.orgWe are back, as Sons of Lincoln Live. This episode we talk about Sons of Lincoln and our cause. We also disuss the primary process and much more!Show Topics:Discuss the Sons of Lincoln.We have political analysis of the Republican primaries.Pennsylvania Governor Tom Wolf signed "LGBT anti-discrimination" legislation. We discuss the truth behiond this nonsense.Plus any breaking news...