Podcasts about policies

What's the best way to design an infinite banking policy? In this video, Brent Kesler, founder of The Money Multiplier, joins Caleb Guilliams to break down whole life insurance designs for infinite banking, specifically comparing 40/60 vs 80/20 policy structures and Nelson Nash's original intentions. The discussion also includes a debate on term riders, when they help, when they hurt, and how they affect infinite banking strategies over time. Watch the First Interview with Brent where he explains how he paid off $1M in debt in 2 years - https://youtu.be/cHTmpSU-nzQ Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review 00:00 Introduction 01:50 Infinite Banking and Debt Payoff Strategy 02:07 Changes to Infinite Banking 03:30 The "Nelson Plan" (40/60) 04:12 Policy Design Philosophy: Base, PUA, and Term Riders 05:01 Long-Term Efficiency and Base Premium 05:57 MEC Limit and Term Riders 06:59 Base, PUA, and Term Riders Definitions 12:00 Higher Base vs. More PUA 18:25 Flexibility in PUA Riders 19:19 Starting Additional Policies 20:40 Rule of Maximizing Current Policies 23:07 Adjusting Premiums on Multiple Policies 27:19 Minimum Premium and Income Ratio 28:34 The "10 Times Your Age" Rule 29:27 Tax Liability 35:46 Death Benefit, Rate of Return, and Financial Mindset 38:03 Internal Rate of Return (3.5% to 5%) 39:45 Actual Rate of Return vs. Average Rate of Return 42:28 The Value of Convertible Term Insurance 43:36 Human Life Value vs. Starting Small Whole Life Policy 47:14 Life Insurance as the Only Guaranteed Payout Insurance 48:53 Buying Cars and Using Other People's Money 49:18 Separating Policy Growth 51:54 Using Bank's Money for Investments 54:34 Danger of Using Banks if Undisciplined ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

 Jessie Gómez, Chalkbeat Newark reporter covering Newark Public Schools, talks about what to expect from New Jersey's new governor on education issues.

In this episode of Good Morning Liberty, hosts Nate Thurston and Charles 'Chuck' Thompson discuss the most absurd and frustrating events in politics for the week. Key topics include Lindsey Graham's emotional reaction to recent events, the funding of the National Endowment for Democracy, and the ongoing MAGA delusions claiming Javier Milei's policies in Argentina are inspired by Trump. The episode also covers everything from trans issues in healthcare, NYC's new anti-semitic token, and the controversy surrounding Trump's response to a factory worker's outburst. Tune in for a lively discussion on the week's 'dumbest bleeps!' 00:00 Intro 02:34 Sad Lindsey Graham and Iran Discussion 06:19 Ted Cruz and Foreign Relations 16:10 Presidential War Powers Debate 22:06 National Endowment for Democracy Funding 29:04 Transgender Issues and Medical Professionals 33:11 Eric Adams and NYC Token 38:15 Reflecting on BLM and Election Year 38:47 Scott Adams' Controversial Statements 40:53 Debate on Racism and Polls 47:37 Trump's Encounter at Ford Plant 50:21 Union and Free Speech Controversies 59:42 MAGA Delusions and Policies 01:05:40 Nurses' Strike and CEO Pay 01:15:01 Concluding Thoughts and Voting  

A recent surge in federal agents and Trump-friendly social media influencers to Minnesota is part of a White House communication strategy that emphasizes online content to influence policy.Support NPR and hear every episode of Trump's Terms sponsor-free with NPR+. Sign up at plus.npr.org.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The language of hunting matters. Policies that affect hunting, hunters and wildlife require the buy in of people who don't hunt. This is a discussion between myself, Robbie Kroger from the Origins Foundation and Charles Whitwam from Howl For Wildlife. You will not find two people more dedicated to defending wildlife or hunting than these two men. Enjoy the conversation. 

Miranda Wilkins hosts ‘Citizen McCain' while Meghan McCain stays in her maternity leave baby bliss bubble. Miranda is joined by Fox News contributor Mary Katharine Ham, with Guy Benson popping in to break down the escalating ICE flashpoint in Minneapolis, including the tragic death of Renee Good and the debate over enforcement tactics, sanctuary policies, and public safety. They dig into why Minneapolis feels like ground zero right now, how sanctuary rules change the way ICE operates, and why the temperature keeps rising when activists and officials escalate in public. Plus, what the latest polling says about trust in ICE, how Democrats and Republicans are handling the messaging, and why more Gen Z and millennials are identifying as independents, even if they are not disengaged. Many thanks to our advertiser, QUINCE! Use code "MCCAIN" to get free shipping and 365-day returns. https://www.quince.com/mccain #ad Learn more about your ad choices. Visit megaphone.fm/adchoices

professorjrod@gmail.comIn this episode of Technology Tap: CompTIA Study Guide, we delve into the critical role of security governance in building secure organizations. Learn how governance frameworks—comprising policies, standards, procedures, and playbooks—transform strategic intent into consistent, auditable actions that both teams and auditors rely on. Whether you're preparing for your CompTIA exam or aiming to develop essential IT skills, understanding these governance principles is key to effective tech exam prep and technology education. Join us as we break down complex concepts in an easy-to-understand way, helping you succeed in your IT certification journey and beyond.We start with clear definitions that make exam questions and real-world decisions easier. Policies set high-level rules and expectations. Standards add measurable technical requirements like encryption strength and logging baselines. Procedures translate both into step-by-step action, and playbooks coordinate who does what, in what order, using which tools. Along the way, we compare external frameworks such as ISO 27001, NIST 800, PCI DSS, and FIPS with internal standards that tailor controls to your environment.Privacy law isn't a side quest; it shapes everything. We demystify GDPR, CCPA, FERPA, HIPAA, and COPPA, and clarify roles that exams love to test: the data owner who sets classification and usage, the data controller who defines purpose and lawful basis, the data processor who acts for the controller, and the data custodian who protects and maintains data without deciding how it's used. You'll learn practical cues to spot each role fast and avoid common pitfalls.Finally, we dig into change management as a risk control function. Its goal is to minimize risk while implementing changes, with impact analysis, approvals, testing, and rollback plans. Automation and orchestration can speed response and reduce error, but only when guided by policy and enforced by standards. Expect memorable exam tips, grounded examples, and a framework you can use right away on the job.If this helped sharpen your Security+ prep or your day-to-day practice, subscribe, share the show with a colleague, and leave a quick review. Your feedback helps more learners tap into technology with confidence.Support the showArt By Sarah/DesmondMusic by Joakim KarudLittle chacha ProductionsJuan Rodriguez can be reached atTikTok @ProfessorJrodProfessorJRod@gmail.com@Prof_JRodInstagram ProfessorJRod

Will Tennessee Become The Model For Immigration Policies For The Rest Of The States?Commercial Drivers Now Required To Prove Citizenship…Say Your Prayers, Take Your Vitamins… Go To Drag Shows???Protecting Religious Speech In Our TN Public Schools… The Tennessee Conservative's Brandon Lewis joins YAFFEE Live to discuss all this & more!Check out more from YAFFEE HERE! - https://www.wgow.com/2025/05/12/yaffee-live-2/

In her first term, Wu was untested — all possibility and potential. Now, her constituents expect her to deliver major improvements, and she does too.

Comment on the Show by Sending Mark a Text Message.Are you aware that evolving immigration policies can silently shape your workplace dynamics? In this enlightening episode of the Employee Survival Guide®, Mark Carey dives deep into the complex implications of immigration on employee rights and workplace culture. As misconceptions and biases swirl around public discourse on immigration, many organizations unknowingly foster environments where employees with foreign-sounding names or specific ethnic backgrounds face discrimination. Mark unveils the stark reality that while immigration enforcement may fluctuate, the legal principles governing workplace discrimination remain steadfast. Employers might not even realize the cautious approaches they adopt, often leading to subtle yet damaging discriminatory practices based on perceived legal instability tied to national origins. This episode is a crucial call to action for employees to recognize the signs of national origin discrimination and to arm themselves with knowledge about their rights. Remember, your citizenship status should never be equated with your job security or stability in the workplace. Mark emphasizes the importance of seeking legal counsel when navigating these intricate issues, urging employees to advocate for themselves when they feel their rights are being compromised. Join us as we explore the intersection of immigration policies, employee rights, and workplace dynamics. Discover how to empower yourself in the face of potential employment discrimination and hostile work environments. This episode is packed with insights on navigating employment law issues, understanding your employment contract, and recognizing the signs of discrimination in the workplace. With topics ranging from severance negotiation to workplace retaliation, we equip you with the tools needed for effective employee advocacy. Whether you're facing workplace challenges, dealing with discrimination, or seeking to improve your career development, this episode of Employee Survival Guide® is your essential resource. Don't let misconceptions dictate your experience at work. Tune in to learn how to stand up against discrimination, understand your rights, and foster a healthier workplace culture. Empower yourself with knowledge and become an advocate for your own employee rights. Your career survival depends on it!  If you enjoyed this episode of the Employee Survival Guide please like us on Facebook, Twitter and LinkedIn. We would really appreciate if you could leave a review of this podcast on your favorite podcast player such as Apple Podcasts and Spotify. Leaving a review will inform other listeners you found the content on this podcast is important in the area of employment law in the United States. For more information, please contact our employment attorneys at Carey & Associates, P.C. at 203-255-4150, www.capclaw.com.Disclaimer: For educational use only, not intended to be legal advice.

- Interview with Tom Luongo on Trump's Global Strategy (0:11) - Greenland's Preference for Denmark (3:55) - Trump's Response to Greenland's Independence (9:26) - Trump's Encouragement of Iranian Insurgency (11:58) - Economic and Political Concerns (15:23) - The Global Free-for-All Era (19:45) - Challenges for the U.S. and Trump (25:18) - The Role of Vote Fraud and Military Intervention (36:51) - The Human Brain as a Mobile Processor (39:19) - The Future of AI and Human Replacement (47:06) - DeepSea Version 4 and Cloud Code Issues (1:19:31) - China's Technological Advancements and US Companies' Response (1:30:09) - Trump's Policies and Their Impact on the US (1:33:59) - Tom Luongo's Analysis of Global Politics and Trump's Strategy (1:40:12) - Trump's International Moves and Their Implications (1:45:16) - Trump's Economic Policies and Their Impact on the US Economy (2:19:35) - Trump's Efforts to Address Corruption and Fraud (2:26:10) - The Role of the Supreme Court and Legal Limits (2:30:51) - The Future of American Politics and Society (2:31:04) - The Importance of Addressing Systemic Issues (2:35:52) - Trump's Support Base and Voter Integrity (2:36:11) - Voter Roll Cleanup and Voter Integrity Legislation (2:40:35) - Critique of Polling Data and Predictive Models (2:41:45) - Potential for a National Emergency and Military Involvement (2:46:37) - Democrats' Strategy and Globalist Agenda (2:50:09) - Tom Luongo's Background and Contributions (2:51:53) For more updates, visit: http://www.brighteon.com/channel/hrreport  NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

California feels like a shoreline at dusk. Beautiful on the surface. Unsettled underneath. The tide keeps pulling back, exposing questions most people are told not to ask.In Episode 120 of ALLSMITH, Bryce sits down with Phil Mauriello Jr., attorney and host of California Underground, for a wide ranging conversation exploring power, policy, conspiracies, and the patterns shaping modern life.This is not a conversation about left versus right.It is a conversation about awareness versus autopilot.Together, Bryce and Phil explore California as a microcosm for the world. A state that often feels less governed and more tested. Policies roll out like experiments. Narratives change faster than outcomes. Citizens are left trying to reconcile intention with impact.Like standing inside a maze where every wall is painted with good intentions, this episode asks a simple but unsettling question.Are we being led, or are we being studied?From California politics to global power structures, this conversation moves through some of the most controversial topics of our time, not to provoke fear, but to sharpen discernment.⸻Topics Explored• The lingering unanswered questions surrounding 9/11.• The cultural flashpoint moments and assassination narratives surrounding Charlie Kirk.• The relationship between the United States and Israel, and how foreign policy shapes domestic life.• Antarctica, and why powerful nations are deeply interested in what lies beneath the ice.• Venezuela as a case study in government control, collapse, and currency manipulation.• The JFK files and what delayed truth reveals about institutions.• The COVID pandemic and how emergency powers reshape society long after the crisis fades.• Cloud seeding, weather modification, and where science ends and speculation begins.• George Soros and Bill Gates as symbols of influence, philanthropy, and fear.• The Epstein files and the erosion of public trust in accountability.• The Diddy trials and the intersection of celebrity, power, silence, and leverage.⸻Episode Time Stamps• 00:00 Opening reflections and why this conversation matters now.• 06:12 California as a political testing ground.• 14:45 Power, incentives, and narrative control.• 24:30 9/11, JFK files, and delayed truth.• 35:10 COVID, emergency powers, and long term consequences.• 46:20 Global influence, Israel, Venezuela, and Antarctica.• 58:40 Epstein, celebrity power, and institutional silence.• 01:10:15 Mindset, discernment, and personal responsibility.• 01:22:00 Final reflections on truth seeking and sovereignty.⸻Join the ALLSMITH CommunityIf this episode resonates, you are already part of the conversation.ALLSMITH is not about certainty.It is about pursuit.Pursuit of clarity. Strength. Agency. And peak expression.Ways to connect with ALLSMITH.• Lifestyle design coaching.• In person and remote training.• Apparel built for those forged through experience.• A community rooted in truth, movement, and meaning.Follow Phil Mauriello Jr. and California Underground on Instagram.https://www.instagram.com/californiaundergroundThank you for Listening! Learn more below.ALLSMITH IG ALLSMITH YouTubeBryce Smith IG

What's it like to lose everythign in a wildfire? A KNX reporter knows first-hand, and draws us into her heartbreaking story as KCBS reports on insurance company moves to remove coverage in some states and WWL reports on Chevron fighting a $74 million payout for alleged destruction of wetlands.

This is the noon All Local for Wednesday, January 14, 2026

What's it like to lose everythign in a wildfire? A KNX reporter knows first-hand, and draws us into her heartbreaking story as KCBS reports on insurance company moves to remove coverage in some states and WWL reports on Chevron fighting a $74 million payout for alleged destruction of wetlands.

What's it like to lose everythign in a wildfire? A KNX reporter knows first-hand, and draws us into her heartbreaking story as KCBS reports on insurance company moves to remove coverage in some states and WWL reports on Chevron fighting a $74 million payout for alleged destruction of wetlands.

What's it like to lose everythign in a wildfire? A KNX reporter knows first-hand, and draws us into her heartbreaking story as KCBS reports on insurance company moves to remove coverage in some states and WWL reports on Chevron fighting a $74 million payout for alleged destruction of wetlands.

Send us a textStart with the root, and the whole tree makes sense. We anchor in Job 12:16—“with God is strength and wisdom; the deceived and the deceiver are His”—and watch how that single claim reshapes our view of truth, power, suffering, and hope. From there, the chapter peels back the illusion of control: counselors are stripped, judges look foolish, kings are unbelted, and princes are led away spoiled. These reversals are not chaos; they're clarity. God's power and wisdom never come apart, never stall, and never miss.We talk honestly about the hard parts: reprobation, justice, and the unsettling fact that God governs even deception while remaining holy. That tension isn't a glitch—it's the backbone of providence. If God only winds the clock, we're stuck with our fears. If He rules all things without sin, then even storms serve His glory and our good. That's why Job's theology doesn't numb the heart; it steadies it. For weary believers, this isn't theory. It's oxygen. Trials pass, and they leave a sanctifying edge. Pride bends. Faith stands taller.We also challenge rival loyalties. Nations matter, but they're not our home. Policies shift, markets swing, and strongmen promise safety they can't deliver. The text frees us from civil religion by fixing our eyes on a King who reigns now, not later. Christ humbles the proud, lifts the lowly, and keeps His people when worldly power postures. If you've felt crushed by headlines or hollowed by disappointment in leaders, come hear why sovereignty is not a cold doctrine but a warm shelter. Subscribe, share with a friend who needs courage today, and leave a review to help more listeners find this conversation.Support the showBE PROVOKED AND BE PERSUADED!

What's it like to lose everythign in a wildfire? A KNX reporter knows first-hand, and draws us into her heartbreaking story as KCBS reports on insurance company moves to remove coverage in some states and WWL reports on Chevron fighting a $74 million payout for alleged destruction of wetlands.

Episode 5065: Using Local Sheriffs To Save The States; Trump Policies Spearhead Economic Growth

When James Smith first heard about mirror bacteria, he was sceptical. But within two weeks, he'd dropped everything to work on it full time, considering it the worst biothreat that he'd seen described. What convinced him?Mirror bacteria would be constructed entirely from molecules that are the mirror images of their naturally occurring counterparts. This seemingly trivial difference creates a fundamental break in the tree of life. For billions of years, the mechanisms underlying immune systems and keeping natural populations of microorganisms in check have evolved to recognise threats by their molecular shape — like a hand fitting into a matching glove.Learn more, video, and full transcript: https://80k.info/js26Mirror bacteria would upend that assumption, creating two enormous problems:Many critical immune pathways would likely fail to activate, creating risks of fatal infection across many species.Mirror bacteria could have substantial resistance to natural predators: for example, they would be essentially immune to the viruses that currently keep bacteria populations in check. That could help them spread and become irreversibly entrenched across diverse ecosystems.Unlike ordinary pathogens, which are typically species-specific, mirror bacteria's reversed molecular structure means they could potentially infect humans, livestock, wildlife, and plants simultaneously. The same fundamental problem — reversed molecular structure breaking immune recognition — could affect most immune systems across the tree of life. People, animals, and plants could be infected from any contaminated soil, dust, or species.The discovery of these risks came as a surprise. The December 2024 Science paper that brought international attention to mirror life was coauthored by 38 leading scientists, including two Nobel Prize winners and several who had previously wanted to create mirror organisms.James is now the director of the Mirror Biology Dialogues Fund, which supports conversations among scientists and other experts about how these risks might be addressed. Scientists tracking the field think that mirror bacteria might be feasible in 10–30 years, or possibly sooner. But scientists have already created substantial components of the cellular machinery needed for mirror life. We can regulate precursor technologies to mirror life before they become technically feasible — but only if we act before the research crosses critical thresholds. Once certain capabilities exist, we can't undo that knowledge.Addressing these risks could actually be very tractable: unlike other technologies where massive potential benefits accompany catastrophic risks, mirror life appears to offer minimal advantages beyond academic interest.Nonetheless, James notes that fewer than 10 people currently work full-time on mirror life risks and governance. This is an extraordinary opportunity for researchers in biosecurity, synthetic biology, immunology, policy, and many other fields to help solve an entirely preventable catastrophe — James even believes the issue is on par with AI safety as a priority for some people, depending on their skill set.The Mirror Biology Dialogues Fund is hiring!Deputy director: https://80k.info/mbdfddOperations lead: https://80k.info/mbdfopsExpression of interest for other roles: https://80k.info/mbdfeoiThis episode was recorded on November 5-6, 2025.Chapters:Cold open (00:00:00)Who's James Smith? (00:00:49)Why is mirror life so dangerous? (00:01:12)Mirror life and the human immune system (00:15:40)Nonhuman animals will also be at risk (00:28:25)Will plants be susceptible to mirror bacteria? (00:34:57)Mirror bacteria's effect on ecosystems (00:39:34)How close are we to making mirror bacteria? (00:52:16)Policies for governing mirror life research (01:06:39)Countermeasures if mirror bacteria are released into the world (01:22:06)Why hasn't mirror life evolved on its own? (01:28:37)Why wouldn't antibodies or antibiotics save us from mirror bacteria? (01:31:52)Will the environment be toxic to mirror life? (01:39:21)Are there too many uncertainties to act now? (01:44:18)The potential benefits of mirror molecules and mirror life (01:46:55)Might we encounter mirror life in space? (01:52:44)Sounding the alarms about mirror life: the backstory (01:54:55)How to get involved (02:02:44)Video and audio editing: Dominic Armstrong, Milo McGuire, Luke Monsour, and Simon MonsourMusic: CORBITCamera operators: Jeremy Chevillotte and Alex MilesCoordination, transcripts, and web: Katy Moore

President Trump delivered a message about reviving the American automobile industry today in Detroit called Make Driving Great Again. Domestic manufacturing is up as new vehicles are the highest they've been since 2019 as new investments in domestic automobiles come pouring in. Brent Buchanan is here to share the latest from Cygnal polling. Brent's newest book America's Emotional Divide: Navigating the Powerful Decision-Making Forces Impacting Politics, Policies & Personal Choices has identified a voter class that is outside of party lines. The young ticked-off diverse working class is a voting segment that has has the American dream stolen from them. In a country that has become unaffordable in most categories they want a fighter, some that is in their corner everyday. They know the system sucks and they want to burn it all down. This same group can just as easily vote for President Trump and newly elected NYC mayor Zohran Mamdani. As President Trump takes home run swings at broad sweeping issues, inflation and the economy is still the number one issue among those polled. Healthcare and government waste are major issues for voters and it all comes down to affordability. Interestingly enough, Cyngals polling revealed that Americans can't even agree on facts, so many different news sources with so many biased opinions have created differing opinions. Brent is here to break it all down and more. Featuring: Brent Buchanan President & Founder | Cygnal Polling https://www.cygn.al/ Today's show is sponsored by: Masa Chips You're probably watching the Sean Spicer Show right now and thinking “hmm, I wish I had something healthy and satisfying to snack on…” Well Masa Chips are exactly what you are looking for. Big corporations use cheap nasty seed oils that can cause inflammation and health issues. Masa cut out all the bad stuff and created a tortilla chip with just 3 ingredients: organic nixtamalized corn, sea salt, and 100 percent grass-fed beef tallow. Snacking on MASA chips feels different—you feel satisfied, light, and energetic, with no crash, bloat, or sluggishness. So head to https://MASAChips.com/SEAN to get  25% off your first order. ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ 5️⃣ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Learn more about your ad choices. Visit megaphone.fm/adchoices

We welcome author Shane Almgren (The Trumpland Diary) to unpack a week that feels like it fell out of a dystopian novel: militarized police in Minnesota, deranged propaganda around the Renee Good shooting, a quiet Five-Alarm Fire at the White House involving Big Oil, a sitting U.S. Senator suing the Secretary of Defense, and a full-scale political revolt inside the GOP over Trump's criminal probe into Fed Chair Jerome Powell.These five stories, taken together, tell us something essential about the moment we're in, and also about the growing wave of resistance and pushback that may represent a  bright spot ahead.Referenced articles from today's stream: This Is Actually Happening → https://worthknowing.substack.com/p/this-is-actually-happening Does the Trump Crowd Actually Get Off On This? → https://worthknowing.substack.com/p/does-the-trump-crowd-actually-get A Five-Alarm Fire at the White House → https://worthknowing.substack.com/p/a-five-alarm-fire-at-the-white-house The Trumpland Diary → https://trumplanddiary.substack.com/00:00 Introduction and Today's Agenda01:58 Emerging Police State in Minnesota04:59 Sadistic Lies and Psychological Research07:43 Trump's Cognitive Decline and Public Reactions10:34 Resistance and Pushback Against Trump19:54 Trump's Cruelty and Sociopathic Tendencies30:01 Untrained Officers and Trump's Responsibility30:52 RFK Jr.'s Senate Confirmation and Vaccine Stance31:46 Trump's Greenland Obsession and Geographic Misunderstandings33:41 European Allies and Military Presence in Greenland34:46 Trump's Unhinged Military Speech and Illegal Orders37:27 The Impact of Trump's Policies on Science and Foreign Aid44:00 Technocracy and the Influence of Tech Billionaires52:44 The Future of Trump's Administration and Competing Agendas56:18 Conclusion and Final Thoughts

The Other Side of the Story with Tom Harris and Todd Royal – Dr. Hickey shows that, if you apply ECCC's trend analysis method to their data, you find an increase of 1.74° C from 1948 to 2018. And then, he tells us, if you correct for the one-degree step increase in 1998, you find only a 0.29°C rise. That small change “is indistinguishable from zero,” explains Hickey. “There is no evidence of warming.”

We're kicking off 2026 with all the latest Disney Vacation Club news in our January DVC News Roundup!In this episode of The DVC Show, we break down highlights from the annual Condo Association Meeting, dig into major refurb updates at Grand Californian and Animal Kingdom Villas, and explain what's going on with new DVC policies — including rental rule chatter and that $500 resale fee.Plus, we're talking 2026 point charts, annual dues reminders, and direct price increases you need to know about. Stick around for our predictions and what we think it all means for the year ahead!As always, we'd love to hear your thoughts in the comments — let's kick off the year with some DVC magic! ✨

Markets are flashing warning signs as Bitcoin struggles to gain traction and stocks wobble amid growing concern that Trump's latest policy moves could trigger a liquidity shock. In this episode we break down the weak BTC price action, rising macro stress, questions around Fed independence, and why traders are suddenly bracing for a potential liquidity dump that could hit both crypto and traditional markets at the same time.

Taking on the Fed. Chair Jerome Powell confirms the central bank has received grand jury subpoenas from the Justice Department — a dramatic escalation in President Trump's fight with the Federal Reserve. The president says he's unaware of the probe. Plus, Wall Street reacting fast, futures sinking and gold jumping to new highs. And later, the president's push to cap credit card rates and home prices. We speak with the CEOs of Klarna and Better Finance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of the Real Estate Investor Growth Network, Jen Josey welcomes Beata Lorinc—a powerhouse in the short-term rental industry with over a decade of hands-on experience and a portfolio that's the envy of many. Beata shares her journey from climbing the corporate ladder at Procter & Gamble to building a thriving boutique short-term rental business, now with ten properties and over $1.5 million in gross rental income. Her story highlights the pivotal role of smart systems, clear policies, and the courage to pivot when life and business demand it.   The conversation dives deep into the realities of running short-term rentals, busting myths about guest drama, and emphasizing the importance of treating rentals as a real business from day one. Beata and Jen explore the emotional rollercoaster many investors face, especially as their businesses grow, and why having strong operational principles is key to avoiding burnout. Beata's approach is refreshingly honest: she advocates for unique guest experiences, clear communication, and sticking to your business rules—no matter how tempting it is to make exceptions.   Listeners also get an inside look at the upcoming Host Connect conference, co-hosted by Beata, designed to provide actionable takeaways and invaluable industry connections for both new and seasoned operators. The episode wraps with Beata's signature advice, systems for success, and a candid discussion about what truly defines success in real estate investing.   00:00 Introduction to REIGN 01:02 Today's Topic: Hiring a Property Management Company 03:28 Guest Introduction: Beata Lorinc 04:44 Beata's Journey from Corporate to Real Estate 07:43 Challenges and Successes in Short-Term Rentals 10:03 Setting Up Systems for Short-Term Rentals 19:47 Handling Cancellations and Policies 26:46 The Weird Phase in Short-Term Rentals 28:45 The Emotional Impact of Short-Term Rentals 29:22 The Saturation of the Short-Term Rental Market 30:17 What Makes a Good Short-Term Rental? 31:11 Providing Unique Experiences 33:25 The Middle Market Dilemma 38:53 The Importance of In-Person Connections 43:04 Host Connect Conference Details 46:55 BADASS Acronym and Personal Insights 53:26 Final Thoughts and Farewell   Key Takeaways Unique Experiences Win: The most profitable short-term rentals stand out by offering guests a memorable, unique experience—not just a place to sleep. Systems Over Surprises: Automation, clear rules, and digital guest guides minimize guest drama and streamline operations. Hospitality = Predictability: True hospitality is about delivering exactly what you promise—no more, no less—so guests know what to expect and leave happy. Policy Clarity Is Power: Strict, well-communicated policies (like cancellation and occupancy rules) protect your business and reduce emotional friction. Community & Learning Matter: In-person industry events like Host Connect foster connections and learning that online forums just can't match. Guest Bio: Beata Lorinc Beata Lorinc is a seasoned short-term rental owner and operator with over a decade of experience and a boutique portfolio that has generated over $1.5 million in annual gross rental income. Leveraging her background in supply chain and customer experience at Procter & Gamble, Beata has built her business on smart systems, strategic decisions, and a calm, decisive leadership style. She is the co-host of the Host Connect conference, creator of STR House Call, and a sought-after mentor for investors looking to boost clarity and profitability in their rental businesses. Mentioned Books, Tools, and Websites Books: The Gap and the Gain by Dan Sullivan Who Not How by Dan Sullivan Websites: ncescapes.com – Beata's North Carolina properties hopeslopetreehouse.com – Beata's Montana properties thehostconnect.com – Host Connect conference tickets (use code REIGN50 for $50 off) theboutiquepm.com – Contact Beata for STR House Call services  

President Trump just made some bold calls that will have a huge impact on the 2026 housing market. In this episode, we break down how Trump's potential housing policies could impact mortgage rates, affordability, and buyer behavior heading into 2026. We separate real levers of power from political noise, so you know what actually matters if you're planning to buy or sell. If you want clarity instead of clickbait headlines, this is a must-watch. FREE Online Workshop - Your Guide to Buying A Home In 2026Ready To Become A Homeowner? Start HereJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

This Day in Maine for Monday, January 12, 2026.

Let's talk about a GOP Senator, Trump's 'amateur hour' policies, and Greenland....

Air Tight #157 has arrived.  The Alex from Green Coast Radio brings a fresh mix of underground hits and independent music that cuts through the noise.  This playlist features Van Morrison, Deer Fang, Bakar, Red Lotus, and more.  It's a solid blend of eclectic sounds, dance tracks, and independent artists you won't hear on mainstream stations. In the news, The Alex talks about the recent deal between Warner Music Group and the AI music platform Suno — a move that could shift how music is made and licensed.  He also covers how MTV has officially stopped airing its all-music video channels, closing a chapter in how many of us first connected with new music.  For fans of college radio, freedom of expression, and independent culture, this episode hits home. Listeners outside the U.S., Mexico, U.K., or Canada — make sure to set your VPN to one of those regions for uninterrupted access to Green Coast Radio.  The signal runs best there. Don't miss our video series Unknown Airwaves over on our YouTube channel — it's where we highlight more underground music, fringe stories, and visuals that dig deeper than the surface. And if you're into protest culture, fringe art, or just want a shirt that doesn't suck, hit up GreenCoastRadio.com and click on Station Gear.  We've got original designs and exclusive prints for music lovers and counter-culture heads alike. Air Tight #157 keeps the underground alive. It's for people who still care about freedom of speech, freedom of sound, and finding music that actually means something. Playlist Dehiheugi - Ain't going down Bakar - Hell N Back Ava Joe - Try Me Alkimitzta - blood in Stone Bobby Sanchez - Quechua 101 Land back Please Beth Ditto - I'm Alive Brass Against - Glory Box By Alexander - Bluh Bluh Bluh Bub Garden - Colors Jap - Floating Deer Fang - So Surreal Kit Sabastian - People are strange  Marlon Magnée - Plus fort que toi Nina Simone - Backlash Blues Pokey Le Farge - Ain't no grave Red Lotus - Free Style Van Morrison - You gotta make it through the world Velvet Meadow - The Velvet Showdown Snow - Informer The Mainliners - No mas tequila Public Enemy - Fight the power Rage Against the Machine - Wake Up  

In this episode, we dive into the escalating protests in Minneapolis over the tragic shooting of a woman who confronted ICE agents, juxtaposed with the courageous resistance of Iranians against the oppressive regime of the mullahs. John Solomon discusses the significant geopolitical shifts, including Venezuela's collaboration with the Trump administration to combat illegal oil trafficking, underscoring the evolving global landscape.The episode features a groundbreaking revelation from newly released FBI documents regarding the investigation known as Arctic Frost, which targets President Trump and his associates. Solomon reveals the approval of a $20,000 payment to a confidential informant aimed at gathering incriminating information against Trump, highlighting the implications for separation of powers and constitutional protections.Joining the conversation is Senator Ron Johnson, chairman of the Senate Permanent Subcommittee on Investigations, who shares insights on the Arctic Frost investigation and its broader implications. Congresswoman Claudia Tenney also weighs in on the fraud schemes emerging from Minneapolis. Lastly, national security expert Brent Sadler from the Heritage Foundation provides clarity on the rapidly changing global dynamics involving China, Cuba, and Iran.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For the MiniPod this week, our hosts respond to one of your questions: what would America look like if Obama was never president? Policies aside–Obama was such a powerful symbol for Black America. His presidency also inspired a powerful backlash. Our hosts discuss the legacy of Obama and the symbolism of Obama as they ask: was it worth it? Join our hosts, Angela Rye, Andrew Gillum, and Bakari Sellers. If you’d like to submit a question, check out our tutorial video: http://www.instagram.com/reel/C5j_oBXLIg0/ and send to @nativelandpod. Welcome home y’all! —--------- We want to hear from you! Send us a video @nativelandpod and we may feature you on the podcast. Instagram X/Twitter Facebook NativeLandPod.com Watch full episodes of Native Land Pod here on YouTube. Native Land Pod is brought to you by Reasoned Choice Media. Thank you to the Native Land Pod team: Angela Rye as host, executive producer, and cofounder of Reasoned Choice Media; Andrew Gillum as host and producer, Bakari Sellers as host and producer, and Lauren Hansen as executive producer; LoLo Mychael is our research producer, and Nikolas Harter is our editor and producer. Special thanks to Chris Morrow and Lenard McKelvey, co-founders of Reasoned Choice Media. Theme music created by Daniel Laurent.See omnystudio.com/listener for privacy information.

In this episode of Main Street Matters, Elaine Parker is joined by journalist and author Dennis Kneale for a wide-ranging discussion on the economic and social crises unfolding in New York City and Oregon. They examine how progressive policies, high taxes, and burdensome regulations are impacting small businesses, fueling homelessness, and driving residents out of major cities. The conversation explores the deeper ideological divide between individualism and collectivism, the role of education in shaping political beliefs, and what critics call a failure of leadership to confront reality. Kneale also previews insights from his forthcoming book, Ore-Goners, drawing striking parallels between Oregon’s trajectory and the potential future of New York City if current policies continue.See omnystudio.com/listener for privacy information.

This show has been flagged as Clean by the host. In our next look at the game mechanics for Civilization V we examine the topic of Science and how to win a Science victory. This is something that has been in Civilization from the very beginning, but in Civilization V there are some changes worth addressing. Playing Civilization V, Part 7 Science In most respects this is not all that different in Civ 5. Most of the techs are the same, there is a tech tree that is pretty similar, and you need to keep up in Science for any victory condition you are seeking. You may want to just beat your enemies into submission, but if you are using Chariots while they have Tanks, you aren't going to have success. But also it is obvious that if you are going for a Science victory, you need to really focus on this. So many of these tips should be followed for any victory condition, but should be mandatory if you are going for a Science victory. The mechanics of researching technologies is that you have to accumulate a certain amount of Science to discover a new technology, but this amount goes up over time, so you have be continuously looking to increase your output of Science to keep up. for instance, one of your first Techs would be Pottery, which has a cost of 35 Science. But in your Capital city you get 3 Science from your Palace, and let's say you have a population of 2, so you are generating 5 Science per turn. That means you will research Pottery in 7 turns. But the Education tech costs 485 Science, Astronomy costs 780, Scientific Theory costs 1650, Plastics 4700, and Particle Physics 6000. These are all key techs to advance your Science to a Science Victory. So you can see that you need to be continually increasing your Science. To start with, Population=Science. You get one Science for every one point of population. That does not, however, mean that you need to have a lot of cities to get there. 4-5 well developed cities are quite sufficient, and adding more cities can cause Unhappiness problems. Since higher population itself can cause Unhappiness there is no good reason to add to the problem. Buildings The next boost you can give to Science is by building city improvements. The first, which comes early in the game, is the Library, which is available once you research Writing. A Library boosts the Science output of a city by one Science for every two citizens (roughly a 50% boost, rounded down), so building those early pays off. Because advancing through the tech tree is a process of accumulating Science, the earlier you can get these boosts the better. The other population-based boost is the Public School (available when you research Scientific Theory), which also boosts Science by one for every two citizens, and also offers a Specialist slot for a Science Specialist. And since more population means more Science, the Granary (available when you research Pottery) is a good building because it helps to grow your population. There is one other building worth mentioning which is the Observatory (available when you discover Astronomy). It doesn't depend on population, but on location. You have to have a city that is located directly next to a Mountain to build this, but it adds 50% to the Science output of the city. Mountains are otherwise useless (unless you are the Incas), but if you want a Science boost and happen to see good location (the ideal spot is an isolated mountain that is not part of a mountain range so you don't lose farming and mining production) this can be great boost. Scientist Specialists You can at a certain point take some of your citizens out of the farming and mining and turn them into Specialists, but you have to have a slot for them, and those slots come in buildings as well. We've already mentioned Public Schools providing one slot. Universities (available when you discover Education) provide 2 slots, as well as boosting the city output of Science by 33%. The other Science building, which comes late in the game, is the Research Lab (available when you discover Plastics) which adds another Specialist slot, plus 4 Science, and then adds 50% to the Science Output of the city. It comes too late to help much in most of the Tech Tree, but is essential to research the Space techs, which are very expensive. Wonders The first one to try for is the Great Library. It gives you a free Library in the city, +3 Science per turn, and a free tech. Use the free tech to get an expensive tech like Philosophy. Oracle provides 1 Great Person Point per turn towards a Great Scientist. Hanging Gardens provides +6 Food per turn (boosting your population), and a free Garden which boosts your Great Person Points by 25%. Leaning Tower of Pisa increases your Great Person Points by 25% in all cities, plus a free Great Person of your choice when you build it. Porcelain Tower gives you +50% from Research Agreements, plus a free Great Scientist. and Hubble Space Telescope provides two Great Scientists, a free Spaceship Factory in the city where it was built, and +25% production for spaceship parts. All of the above are World Wonders, which means you are in competition with other players to build them, and only one player can be successful in each case, so you won't get them all. You can sometimes rush a World Wonder by “chopping”, i.e. using your workers to cut down Forests for added production, but you need to have high production cities to build Wonders in general. There is one National Wonder to focus on, though, the National College. Every player can build their own version of any National Wonder. The National College can be built only when you have a Library in every one of your cities. Your strategy should be to build it as soon as possible, so don't build more than 3-4 cities before you get to this. It gives you +3 Science, plus an increase of 50% in the Science output of the city you build it in. Great Scientists As you work on your Science you will accumulate Great Person Points towards getting a Great Scientist. Some wonder produce Great Person Points, and all of your Science Specialists produce Great Person Points as well. As these add up you will suddenly see a Great Scientist appear. In the early game, the best thing to do is use this Great Scientist to build an Academy. Move the GS to any tile within your city and create the Academy there. It will yield at least +8 Science, bu there are also modifiers that can add to that. The alternative which is better later in the game is to use the Great Scientist to get a free Tech discovery. The reason is that early in the game that +8 Science is very significant, and it can accumulate over time. Combine that with things like an Observatory and a University that increase the city output and it can add up nicely over time. But by perhaps the Medieval Era, and certainly the Renaissance Era, you start running out of time for that accumulation. Meanwhile, the techs have gotten so expensive that a free Tech is the better option. Research Agreements These become available once you research Education. You have to have a Declaration of Friendship with the other player to create one. You each put a certain amount of gold into the pot to fund the research, and after a period of time (usually 30 turns) you each get an amount of Science from it. The way it is calculated is based on the partner that produced the least amount of Science during the agreement. From a science standpoint if you are ahead in Science it probably won't benefit you to enter into the agreement. But it does build your relationship with the other player so I wouldn't avoid them altogether. If you are behind in Science it can help you, of course. Policies and Ideologies Given that you should probably be building tall (4-5 cities) instead of wide (8-12 cities), it makes sense to start out with Tradition instead of Liberty. But once you get to the Renaissance you will want to enable the Rationalism tree to maximize your Science. When you get to Ideologies, you have a choice to make. Ignore Autocracy as that is not a Science-oriented choice. If you have 3-5 cities, Freedom is the best Ideology because Specialists require less food (Civil Society), and have reduced Unhappiness (Universal Suffrage). With a wide strategy (more than 5 cities) Order starts to look better. Getting Worker's Faculties will give +25% Science from every Factory. Exploration and Techs Exploration is generally a good idea for a variety of reasons, but one to focus on here is the effect of meeting other players. In the first place, if you find other players who have researched techs you do not yet have, you can trade for them. You do this whenever possible. Remember, the other players will all be trading with each other anyway, so if you don't participate you will simply fall behind. If you have a nice tech and can trade it to just two other players, you will jump up two techs along the tech tree, and that can be huge. If you hold onto it as a secret, some other player will research it, and they will trade it and get that boost instead. So trade whenever you can. Another advantage is that when you discover that another player has a tech you don't have yet, your cost to research it goes down. Trade This is the next Science boost we will cover. when you set up a trade route with either another player or a City-State, one of the benefits can be an increase to your Science. The main benefit of trade routes is money, at least the way I play, so I will always start by looking for the best addition to my Treasury, but if I can choose between equivalent monetary rewards but one trade route offers more Science I might prefer that if I am going for a Science victory. Choosing an Empire There are many Empires you can play, and some of them are oriented to a Science victory. The two obvious choices are Babylon and Korea. Babylon gets a free Great Scientist when you discover Writing, which is very early, so you should use it to put down an Academy. And it earns Great Scientists 50% faster. Korea's advantage comes from +2 Science from all specialists and from all Great Person tile improvements, plus you get a tech boost each time a Science building or wonder is built in the Capital. Of course, you can win a Science victory with any Empire if you are careful about leveraging your Empire's strengths. For example, Venice and Portugal can rake in the gold in huge amounts, and you can buy a lot of stuff that way. Or with the Celts you generate a ton of Faith, and that can be used to buy buildings and Great Scientists with the right Social Policies. Conclusion This is just a quick overview of the Science path, and there is always more to learn. If you really want to dive into the Science options and get a Science Victory, the Civilization Fanatics site has a pretty good strategy guide at https://forums.civfanatics.com/threads/science-victory-guide-any-difficulty.530940/. Links: https://forums.civfanatics.com/threads/science-victory-guide-any-difficulty.530940/ https://www.palain.com/gaming/civilization-v/playing-civilization-v-part-7/ Provide feedback on this episode.

A fatal ICE shooting in Minneapolis reignites the national debate over immigration enforcement and police use of force. Michael Smerconish examines the video, the law, and the rarely discussed federal policies governing when ICE agents may fire their weapons. Joined by former Boston police lieutenant and DHS advisor Dr. Thomas Nolan, Smerconish breaks down why this case may fail the legal standard—and how a local sheriff's race in Pennsylvania foreshadowed this exact moment. Original air date 8 January 2026. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Jakob Emerson, Associate News Director at Becker's Healthcare, breaks down the latest trends in the payer landscape, including pharmacy benefit management, health system cost pressures, and Anthem's new 10% penalty on out-of-network claims. He also highlights the recent debate between Mark Cuban and PBM leaders on industry transparency and rising pharmaceutical costs.

AP correspondent Donna Warder reports on an eventual shrinking U.S. population.

This hour, Scoot talks about if Gov. Jeff Landry and the legislature are another reason why people are avoiding Louisiana and if the NFL protests were effective.

This edWeb podcast is presented by CoSN and AASA and sponsored by ClassLink.The edLeader Panel recording can be accessed here.There is no question that artificial intelligence (AI) continues to be a source of intrigue and new learning for multiple facets of society. School systems are no exception. In its various forms, AI can sometimes be an effective help, but it can sometimes also be a hindrance to the goals and functions of educators. However, there is no doubt that AI will have a place in the world of the future. And since the role of every educator is to prepare each student to thrive in their future, AI is a critical part of leading and teaching in schools today.In this edWeb podcast, three leading-edge superintendents are joined in conversation with CoSN's AI Project Director. Together, they share what they have each come to learn about AI over the past few years. They describe effective processes and policies for using AI appropriately for teaching and learning, as well as for multiple other school leadership functions. An overview of CoSN's free AI resources with links to access them is shared.This edWeb podcast is of interest to K-12 district leaders, school leaders, education technology leaders, teachers, and librarians.View all of the recent EmpowerED Superintendent edLeader Panels.AASA, The Superintendents AssociationAASA advocates for equity for all students and develops and supports school system leaders.ClassLinkClassLink's mission is to remove barriers between students and impactful education content.CoSNVisionary leaders empowering every learner to achieve their unique potential in a changing world. Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Learn more about viewing live edWeb presentations and on-demand recordings, earning CE certificates, and using accessibility features.

Guest: Professor Evan Ellis. Events in Caracas are shaping upcoming elections in Brazil and Colombia, pushing leaders like Lula toward moderation to appease centrist voters. In Colombia, frustration with President Petro's policies and security failures may favor right-wing candidates. Meanwhile, Peru's election focuses on public insecurity and deep Chinese investment.

In this episode, host Travis Chappell and his producer Eric unpack what big brands like Starbucks and Target are getting wrong about culture, customer experience, and “forced friendliness.” Using Eric's local Starbucks and Target's “10–4 policy” as jumping-off points, they dig into how authenticity, sleep, and sustainable effort matter far more than corporate scripts or nonstop grind. Along the way, they break down Gary Vee's “new” stance on sleep and hustle, plus how high performers actually use rest as a competitive advantage.​ On this episode we talk about: Why Eric's favorite Starbucks went from feeling like “Cheers” to feeling scripted once corporate required baristas to write something on every cup.​ How genuine, voluntary gestures from employees turn into hollow “corporate bullshit” once they're turned into a rule.​ Target's 10–4 policy (smile within 10 feet, warm interaction within 4 feet) and why forcing friendliness can feel awkward for both customers and staff.​ The difference between real culture (people who like working there) and forced culture (mandated smiles, scripted greetings, required cup messages).​ Gary Vee's clip about sleeping 7–10 hours, not going hard 24/7, and why that sounds like a reversal of his early “hustle” content.​ How high performers reconcile hustle with rest: being insanely productive when awake while protecting sleep so they can sustain output for decades.​ Insights from Travis's interview with The Sleep Doctor, including Steve Aoki's custom sleep schedule built around a 1 a.m. start time.​ Why even entertainers and entrepreneurs with “wild” schedules need intentional sleep architecture to keep going into their late 40s and beyond.​ The weirdness of people falling asleep to business podcasts, and what it says about how hard it is for entrepreneurs to mentally clock out.​ Top 3 Takeaways Authentic culture can't be scripted. If you take something organic—like baristas writing personal notes—and turn it into a corporate mandate, you strip away the sincerity that made it powerful in the first place.​ Forced friendliness doesn't fix deeper problems. Policies like Target's 10–4 may create momentary eye contact, but they can't compensate for broken systems, low morale, or a bad customer experience.​ Sustainable success requires real rest. Hustle still matters, but the people who win long term (including Gary Vee and Steve Aoki) are the ones who treat sleep as a performance tool, not a luxury.​ Notable Quotes “There's a difference between culture and forced culture—once you make it a rule, you kill the very thing that made it special.”​ “Don't put ‘going hard' on a pedestal; it's not about never sleeping, it's about being productive when you're awake and listening to your body.”​ “You can't perform at a high level for 15–20 years on no sleep—hustle without rest just means you hit the wall sooner.”​ ✖️✖️✖️✖️

As this month marks the 70th Anniversary of the Montgomery Bus Boycott the new book “Plundered: How Racist Policies Undermine Black Homeownership in America” challenges us to address the economic plunders still shaping black homeownership today. “Plundered” by Bernadette Atuahene is a fresh and revealing look at how economic and racial exploitation have been sewn into the fabric of our laws inviting implicitly from well-meaning people while eviscerating communities and widening the racial wealth gap.

The President addressed Republicans in the House yesterday, and Rep. Mary Miller is here to give us the reason he's still the clear leader of the party, despite Thomas Massie and a few others, who, "votes with Democrats more than he votes with us."

PREVIEW FOR LATER TONIGHT: Joseph Sternberg analyzes German efforts to stem the rise of the AfD party through stricter migration policies. He also highlights optimism in Japan's economy and the global impact of rising Japanese interest rates, noting that normalizing rates could pull trillions of dollars in overseas investments back to Japan—imagine the global economy as a hydraulic system where Japan has been a low-pressure reservoir, pushing water (money) out to the rest of the world for decades; as Japan raises rates, it increases pressure at the source, potentially sucking that liquidity back in and lowering levels everywhere else.1870 FRANCO-GERMAN WAR, SIEGE OF PARIS

CORPORATE GROUPTHINK AND THE SEC'S PROGRESSIVE SHIFT Colleague Charles Gasparino. Gasparino argues that corporate adoption of progressive policies was a defensive reaction to populism like Occupy Wall Street and fostered by "groupthink" at elite summits like Davos. He further contends that the SEC has shifted from investor protection to enforcing "woke" environmental and social agendas under the Biden administration. NUMBER 2

From the BBC World Service: Iranian authorities say at least seven people were killed in protests on Thursday, the fifth day of demonstrations against the government's economic policies. Plus, the U.S. Department of Commerce will reduce controversial anti-dumping tariffs on some Italian pasta brands, which were accused of selling their products in the U.S. at artificially low prices. And we look at one profession that has become a casualty of the digital age — the film critic.

This patreon.com/hardfactor sample episode is brought to you by our incredible sponsors: BUBS Naturals - For a limited time only, get 20% OFF at ⁠BUBSNaturals.com⁠ Collagen Peptides by using code HARDFACTOR at checkout RIDGE - Take advantage of Ridge's Biggest Sale of the Year and GET UP TO 47% Off by going to ⁠https://www.Ridge.com/HARDFACTOR⁠ #Ridgepod DaftKings - Download the DraftKings Casino app, sign up with code HARDFACTOR, and spin your favorite slots! The Crown is Yours - Gambling problem? Call one eight hundred GAMBLER Lucy - Level up your nicotine routine with Lucy. Go to Lucy.co/HARDFACTOR and use promo code (HARDFACTOR) to get 20% off your first order. Lucy has a 30-day refund policy if you change your mind Timestamps: (00:00:00) - Rehashing the holidays, sickness, toys, and still having fun (00:06:20) - It's Scam SZN (00:09:25) - New Swedish office policy allegedly sending productivity through the roof! 30 minutes per day in the designated "self love" room (00:14:45) - Drunk Salvation Army Santa assaults Publix Manager in fit of rage (00:24:08) - NFL Playoff Preview and Big Men getting the ball (00:36:55) - What's up with Tom Brady's single glove? Thank you for listening, we love you - and most importantly: HAGFNewYear!! Learn more about your ad choices. Visit megaphone.fm/adchoices