Podcasts about politically

On this Salcedo Storm Podcast:Chris & Sean discuss the Demcorat's Schumer shutdown, movies you can't make today and the the fact that Texas republicans have to make the change, becasue the GOP can't or won't guard it's own brand. 

Tonight on The Last Word: Speaker Mike Johnson describes an upcoming anti-Trump march as a “Hate America” rally. Also, Illinois Gov. JB Pritzker says Donald Trump's chaos in Chicago is pretext for invoking the Insurrection Act. Plus, Democrats demand answers from the Trump administration on Jeffrey Epstein. And a New York Times analysis breaks down the high number of Black officials fired by the Trump administration. Jason Stanley, Robert Reich, Rep. Raja Krishnamoorthi, and Errin Haines join Ali Velshi. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week Mike Burke is back and joins Elizabeth for discussion about the neuroscience of polarized attitudes.  A recent article suggests that regardless of which side of the political aisle we inhabit, those with more extreme views may experience similar neural activity and physiological responses to the same political content and emotionally charged language. Research participants who self-identified on the most extreme ends of the ideological spectrum exhibited the most so-called  "neural synchrony effects."  Mike and Elizabeth talk about the implications of these similarities as well as other examples of what is often called the horseshoe theory, which suggests that those at the far ends of the political spectrum may view the world through a shared lens and that their behaviors and strategies are nearly indistinguishable. Mike describes his relevant article in which he argues that too often "those who claim to be the defenders of Western civilisation seem not to notice that they are the ones burning it down from within." Podcast notesTopic article: de Bruin, D., & FeldmanHall, O. (2025). Politically extreme individuals exhibit similar neural processing despite ideological differences. Journal of Personality and Social Psychology.A brief description of horseshoe theory appears here: https://vanderbiltpoliticalreview.com/12168/us/horseshoe-theory-in-american-politics/Mike's recent article can be found here: https://www.queermajority.com/essays-all/the-kremlins-lgbt-smokescreen

As one of the most ancient and important texts of the Tāntrik Goddess (śākta) tradition, the Devī Māhātmyam is of course unspeakably rich in its every dimension!In its esoteric dimension, it is a very complex manual of mantra, ritual and magical application. As literature, is aesthetically and poetically sublime beyond comparison. As a narrative, it is astoundingly complex and ingenious in terms of structure and progression. And as a philosophy or theology, it is among the most refined and sophisticated that any religious tradition has ever offered! Politically, never have we encountered a more triumphant depiction of fierce, untamed feminine power! Theologically, the texts challenges our metaphysical ideas of objective reality & temporality, our ethical understanding of "good & evil" (the narrative is intensely morally ambiguous, after all as I point out in this talk) and our spiritual notions of the One & the Many, the Transcendent & the Immanent, the Absolute & the Relative etc. Studying and contemplating this text (and of course chanting and living the text) will dramatically transform everything about your world view, especially with regards to how you view the self, the world and "God" who in the text is "put to sleep", i.e transcended by this Absolute Reality we call Śakti, Power. In order to tease out some of this complexity as part of our Navarātri celebrations last week, we offered this talk! May all this be placed at the feet of our beloved Mā who comes to me in the form of all of you! Jai Mā! PS: you'll find all the talks we've given on the Devī Māhātmya in this playlist.Support the showLectures happen live every Monday at 7pm PST and Friday 10am PST and again Friday at 6pm PST.Use this link and I will see you there:https://www.zoom.us/j/7028380815For more videos, guided meditations and instruction and for access to our lecture library, visit me at:https://www.patreon.com/yogawithnishTo get in on the discussion and access various spiritual materials, join our Discord here: https://discord.gg/U8zKP8yMrM

Former FBI Director James Comey was arraigned on Wednesday after federal prosecutors charged him with lying to Congress five years ago. The charges were brought against Comey by U.S. Attorney for the Eastern District of Virginia Lindsay Halligan. Halligan’s predecessor was ousted for refusing to charge Comey. Amna Nawaz discussed more with NPR's Carrie Johnson. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

AP correspondent Mike Pesoli reports on a former FBI director's court case.

Former FBI Director James Comey was arraigned on Wednesday after federal prosecutors charged him with lying to Congress five years ago. The charges were brought against Comey by U.S. Attorney for the Eastern District of Virginia Lindsay Halligan. Halligan’s predecessor was ousted for refusing to charge Comey. Amna Nawaz discussed more with NPR's Carrie Johnson. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Hear highlights from digital nomading around Africa & the power of travel in learning about struggles against injustice. _____________________________ Subscribe to The Maverick Show's Monday Minute Newsletter where I email you 3 short items of value to start each week that you can consume in 60 seconds (all personal recommendations like the latest travel gear I'm using, my favorite destinations, discounts for special events, etc.). Follow The Maverick Show on Instagram ____________________________________ In Part 2 of this interview Janessa Klatt talks about her experience working remotely while traveling through Africa for 7 consecutive months.  She explains why Nairobi, Kenya won her heart, why her first safari in Tanzania was so magical, and why Cape Town, South Africa is now one of her favorite cities.  She also talks about her travels in Namibia, why the landscape is so uniquely spectacular, how she learned about the genocide that the German government committed there in 1907, and how travel has impacted her politics and worldview overall.  She then talks about co-hosting the “Remote Roundup” segment on the Zero to Travel podcast, gives minimalist packing tips for women, and reflects on why she continues to travel.  Finally, Janessa gives advice to aspiring digital nomads and speaks directly to people currently in a traditional 9-5 job that aspire to create a fulfilling life of long term world travel.  FULL SHOW NOTES INCLUDING DIRECT LINKS TO EVERYTHING DISCUSSED ARE AVAILABLE HERE. ____________________________________ See my Top 10 Apps For Digital Nomads See my Top 10 Books For Digital Nomads See my 7 Keys For Building A Remote Business (Even in a space that's not traditionally virtual) Watch my Video Training on Stylish Minimalist Packing so you can join #TeamCarryOn  See the Travel Gear I Use and Recommend See How I Produce The Maverick Show Podcast (The equipment, services & vendors I use) ____________________________________ ENJOYING THE SHOW? Please Leave a Rating and Review. It really helps the show and I read each one personally.  You Can Buy Me a Coffee. Espressos help me produce significantly better podcast episodes! :)

Lawyer, scientist, and publisher of JunkScience.com Steve Milloy joins Washington Times Commentary Editor Kelly Sadler on Politically Unstable to discuss how the left's obsession with climate change is rooted in politics and what the Trump Administration is doing to change some of these economically disastrous policies.

Forget the detail of the power reforms, because we dealt with them yesterday, let's deal to the politics of it and a habit the Government has that is hurting them. There is a pattern. The pattern is the Government tells us there is something wrong, it could be banks, it could be supermarkets, it could be power, or it could be airlines. The last Government had the same issue – they took on petrol stations. Their concern is partially real. It's real because 1, there might be bits and pieces of the sector that could do with some tightening or tidying and 2, there is almost always consumer concern. The consumer angst is part of the problem, because the consumer will always see a problem whether there is one or not. That's why lazy journalists do vox pops – is butter too expensive? The answer will always be yes. Doesn't mean that's a problem a government can solve. So having stated the problem, you have then created the expectation that you will do something about it. The trouble with yesterday's power deal was the obligatory report suggested more than what actually eventuated by the time the final decisions were made. Hence the reputation, and the reputation is of a government that talks a lot, does a lot, but the “a lot” doesn't amount to much. Yesterday was your classic example: the Electricity Authority gets clearer riding instructions, big deal, the industry has the perception removed that the government don't want to get into big projects, a phone call could have done that. We are to import, in several years time, some LNG – great. Nothing wrong with any of it and it would have landed well if they hadn't given you the sense that Reform —capital letters— was on its way Personally I never thought the industry was that broken. Labour and their oil and gas debacle hobbled us for several years while we wait for the windmills – bit of coal bridges the gap. Like butter, and indeed airlines, there is generally logic as to why things are the way they are. The report fell flat not because what was in it made no sense or hurt an industry, but because it had an “is that it?” feel about it. And it had that feel about it because the Government haven't worked out the balance between hype and reality. Of their passion projects, where trouble sits, banks, airlines supermarkets, or power – name me the one that's materially different because of what they did, not what they said. Politically, that's their failing. See omnystudio.com/listener for privacy information.

The threats are constant, the rhetoric is toxic, and the violence is real. How did American political life descend into chaos?The Violent State (or your title) is a deep-dive into the alarming surge of political violence and extremism in the United States. We trace the crisis from its earliest roots—past the duels of the Founding Fathers and the Civil War—to its terrifying modern manifestations: the Capitol attack, threats against election workers, and the assassination attempts on public figures.This podcast isn't just about what happened; it's about why it's happening, and what it means for the future of American democracy. Tune in to understand the most urgent crisis facing the nation.

On the latest episode of Nerd Out, Dave and Alec talked about the following topics:The Charlie Kirk assassination and what it means for outdoor events.Politically motivated violence.The Michigan church attack - vehicle ramming, active shooter, and arson - and extending the perimeter.The North Carolina boat attack and considering all types of scenarios.Other Nerd topics to include what we are watching, the Mandalorian and Grogu trailer, and more.Some of the articles reference in the pod included:America Must Reclaim the Center Before Political Violence Becomes the Norm - https://thesoufancenter.org/intelbrief-2025-september-26/A look at research on Americans' changing attitudes toward political violence - https://www.npr.org/2025/09/12/nx-s1-5538063/a-look-at-research-on-americans-changing-attitudes-toward-political-violence10 Political Violence Experts on What Comes Next for America - https://www.politico.com/news/magazine/2025/09/12/charlie-kirk-political-violence-exp[…]ysis-00558638?utm_content=user/politico&utm_source=flipboardLeft-Wing Terrorism and Political Violence in the United States: What the Data Tells Us - https://www.csis.org/analysis/left-wing-terrorism-and-political-violence-united-states-what-data-tells-us#h2-left-wing-terror[…]ents-are-on-the-riseAnalysis: What data shows about political extremist violence - https://www.pbs.org/newshour/politics/right-wing-extremist-violence-is-more-frequent-and-deadly-than-left-wing-violence-data-shows'People are scared': Congress grapples with increasing political violence - https://www.npr.org/2025/09/16/g-s1-89053/people-are-scared-congress-grapples-with-increasing-political-violence

In our live Season 5 finale, the hosts discuss two key issues: Should I get an AI Companion? and Friendships Across the Political Aisle.

This week's episode of the Gimme Three Podcast, Producer Sonja Mereu and co-host Nicholas Ybarra celebrate the life and career of the late, great, and seminal figure in American cinema, Robert Redford. In particular, we discuss three of Redford's most politically-charged films. We start with the classic, pulse-pounding journalistic thriller All The President's Men. Robert Redford and Dustin Hoffman portray Bob Woodward and Carl Bernstein in this unforgettable masterpiece.Second, Michael Ritchie directs the hyper-realistic satire The Candidate, in which Redford plays a gorgeous, idealistic figure thrust into the political machine. Third, Barbra Streisand and Robert Redford play lovers on two different sides of the political spectrum in this powerful and heart-wrenching love story, The Way We Were.Let us know what you think of these films and what your favorite Robert Redford film is. ❗️SEND US A TEXT MESSAGE ❗️Support the showSign up for our Patreon for exclusive Bonus Content.Follow the podcast on Instagram @gimmethreepodcastYou can keep up with Bella on Instagram @portraitofacinephile or Letterboxd You can keep up with Nick: on Instagram @nicholasybarra, on Twitter (X) @nicholaspybarra, or on LetterboxdShout out to contributor and producer Sonja Mereu. A special thanks to Anselm Kennedy for creating Gimme Three's theme music. And another special thanks to Zoe Baumann for creating our exceptional cover art.

If you watched Winston Peters speech in New York late Saturday morning you can see why he did so well last week in the Herald's boardroom feedback. For the bloke who has been the epitome of aggro and grumpiness, in his better moments he is as good a foreign minister as this country has ever had. Politically, the announcement and its build-up got dragged out way longer than it ever needed to and therefore took up too much oxygen at a time when we really should be focusing on vastly more pressing local issues. No matter what we said the eyes of the world were never really on us, despite the hysteria of too many in our media landscape who have little or no grip on perspective. But given we were to say something, what we did say was logical and sensible, unlike what was said by many far larger countries earlier in the week. The United Nation's greatest weakness is its reliance on hot air as opposed to substance, which is why we landed where we did in our declaration. Just saying stuff counts for nothing. It's too easy, which is why too many people do it. By the time Peters had finished the week, he had done some excellent truth bomb work. On climate he is indisputably right - we make a lot of promises we know aren't going to come to pass. On Gaza we are all appalled at the outworkings of hate. But recognising things doesn't stop that hate, or the war, or have the food flow, or the hostages released. Essentially we should expect more of both Israel and the Palestinians. Don't ask for recognition while you still refuse to release hostages. When there is something a lot more tangible New Zealand is ready to recognise progress. Progress is tangible. Words aren't. The idea that a lot of people saying stuff builds momentum is simply untrue and we have seen that in the past week. A peace, if there is to be one, will be driven by the Americans, who will corral the Israelis to a point of some sort of submission or agreement. Albanese and Starmer and Carney and all the rest of them played true to the usual lightweight, verbal frippery that's made the U.N famous. We at least told it like it is. It was a good moment for a small country. See omnystudio.com/listener for privacy information.

OPINION: Romualdez: A politically dead man walking | Sept. 29, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein #TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

From snide remarks that set off office arguments to physical threats connected to a CEO's social media post, political polarization has put workplace tensions on a hair trigger. Melissa Muir and Raymond Fleck of Pinkerton's Comprehensive Risk Management Group join the GSX Daily edition of the SM Highlights podcast to talk about their upcoming GSX session on mitigating risk amid workplace incivility and where security professionals can lead their businesses forward by putting the mission over political differences. Additional Resources Meet this episode's sponsor, Johnson Controls, at GSX booth 1955 or online at https://www.johnsoncontrols.com/ Attend Muir and Fleck's presentation, “Bridging the Divide: Security Solutions in a Politically Polarized World,” at GSX on 29 September at 11:15 a.m. CT. Learn more here: https://gsx25.mapyourshow.com/8_0/sessions/session-details.cfm?scheduleid=695 Read more from SHRM about social and political incivility in the workplace in 2024 here: https://www.shrm.org/about/press-room/political-and-social-viewpoint-differences-escalating-workplace- Explore the Harvard Business Review coverage of the costs of incivility at work here: https://hbr.org/2013/01/the-price-of-incivility Read more about threats to judges, attorneys, and jurors in Security Management coverage here: https://www.asisonline.org/security-management-magazine/articles/2024/10/election-security/attorney-judge-threats/ Explore more about how to manage security during periods of mass protest: https://www.asisonline.org/security-management-magazine/articles/2025/05/mass-protests/ What do you do if your workplace is feeling toxic? Check out resources and articles here: https://www.asisonline.org/security-management-magazine/articles/2024/05/toxic-workplaces/ Discover six sources of workplace conflict here: https://www.asisonline.org/security-management-magazine/articles/2020/06/six-sources-of-workplace-cultural-conflicts/

We live in a world where instability seems to be the norm. Politically, economically, and even spiritually, it's easy to feel overwhelmed. But as believers, our foundation is not built on temporary systems or headlines; it's built on a Kingdom that cannot be shaken. In this episode we discuss how anchoring your identity in Christ allows you to remain steady while everything else trembles. We'll unpack how emotional intelligence, spiritual discipline, and clear understanding of purpose can keep you rooted. Whether you're leading, learning, or just trying to hold on, this conversation is a reminder that you can be grounded even in the chaos.

Authorities are investigating the Dallas ICE facility shooting as politically motivated. Ammunition found at the scene bore “ANTI-ICE” messages, suggesting ideological intent. The shooter targeted detainees and died by suicide. While motives remain under review, officials cite rising anti-ICE rhetoric as a dangerous influence. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

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A gunman kills two detainees at an U.S. Immigration and Customs Enforcement facility in Dallas in what the FBI Director Kash Patel says looks like a politically motivated attack. Sen. Ted Cruz (R-TX) says of this, and other recent attacks, "This violence is wrong and needs to stop"; ABC late night talk show host Jimmy Kimmel returns to the airwaves after being suspended over comments he made about conservative activist Charlie Kirk's murder, and his monologue gets tens of millions of online views; former President Bill Clinton talks about the importance of freedom of speech and freedom of the press at Clinton Global Initiative Conference and warns partisan disagreements have become so deep they are threatening the country as a whole; Adelita Grijalva (D) wins a special election for the U.S. House seat in Arizona held by her late father until his death earlier this year; Ben Carson, former HUD Secretary, takes a job as National Nutrition Adviser in the Trump Administration; NASA astronauts going to the moon in early 2026 talk about their mission; presidents of Ukraine and Iran speak at the United Nations General Assembly. Learn more about your ad choices. Visit megaphone.fm/adchoices

Coming up on today's Local: Jimmy Kimmel's defiant return to the airwaves ... an Inglewood man wins millions who spent years in prison for a murder he didn't commit.

Conservatives from around the country flocked to Arizona on Sunday to memorialize the activist Charlie Kirk. The service included leaders from the highest levels of the U.S. government, including Vice President JD Vance and President Trump.Two clear strands emerged during the memorial addresses: a message of Christian unity, and a vow to fight political enemies on the left.Robert Draper, who covers domestic politics for The Times, explains how the collision of those two messages makes this a crucial moment for the MAGA movement.Guest: Robert Draper, a Washington, D.C.-based journalist for The New York Times, who writes about domestic politics.Background reading: Thousands flocked to Phoenix for Charlie Kirk's memorial service.President Trump remembered Mr. Kirk as a martyr while attacking political opponents.For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday. Unlock full access to New York Times podcasts and explore everything from politics to pop culture. Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify.

Ingat sa mga tropa na nasa RALLY! Politically charged but insanely human na kanalysis ng mga kaganapan. Di na kami makatulog ulet kaya eto sama-sama tayong maalimpungatan dahil inaabot na tayo ng baha.

HEADLINE: The Politically Motivated Conviction of Jair Bolsonaro in Brazil GUEST NAME: Mary O'Grady SUMMARY: Mary O'Grady criticizes Jair Bolsonaro's conviction by Brazil's Supreme Court, citing zero evidence linking him to the alleged coup plotting or assassination ruminations (Lula da Silva, Brasília).1928 RIO

In the first part of today’s program, we discuss the deep roots of the MAGA movement. We uncover memes and cultural elements that fester in the deep corners of the web. We also discuss the data that suggests that most politically-motivated violence in this country stems from the right rather than the left.Support the show: https://www.patreon.com/civiccipher?utm_source=searchSee omnystudio.com/listener for privacy information.

Part 1: Antifa Designation Announcement: Former President Donald Trump declared Antifa a major terrorist organization. Context: The declaration followed the reported assassination of conservative activist Charlie Kirk, which Trump and allies framed as evidence of left-wing extremism. Key Points: Antifa is described as a loosely affiliated ideology, not a centralized group. Trump emphasized “following the money” to identify who funds Antifa-related activities. He suggested possible use of RICO laws to prosecute funders and agitators. The administration anticipated legal challenges from groups like the ACLU and SPLC, citing constitutional concerns (free speech, assembly, due process). Politically, the move was presented as a fight the White House was “happy to have,” despite opposition from Democrats. Part 2: Federal Reserve Interest Rate Cuts Background: Trump had been pushing the Federal Reserve to cut interest rates more aggressively, often criticizing Fed Chair Jerome Powell. Decision: The Fed cut rates by 0.25 percentage points, marking the first cut in Trump’s second term. Significance: The cut signals concern over a slowing job market and rising unemployment. It also shows the Fed balancing two pressures: supporting jobs while controlling inflation. Trump-aligned Fed members favored deeper cuts (0.5%). The decision benefits borrowers (credit cards, home equity loans), though it’s not seen as a complete fix for the economy. Framing in the podcast: The host portrays this as a major political and economic victory for Trump, arguing it validates his long-standing criticisms of Powell and the Fed. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

On today's podcast , Hosts Ramses Ja and Q Ward discuss politically motivated attacks and the people responsible for them. See omnystudio.com/listener for privacy information.

In the shadow of the murder of Charlie Kirk, WisGOP's 8th District Chairman Ken Sikora joins the show. Mark and Ken talk about a wide range of issues, but most importantly, they try to answer the question of how can we come together in this politically charged climate? They tackle a wide range of issues, including LGBTQ rights, and what is the root cause of extremism? Guest: Ken Sikora

Politically-based violence and rhetoricSee omnystudio.com/listener for privacy information.

Bob Zimmerman Space Policy, Launches, and Astronomical Discoveries Bob Zimmerman criticizes the over-budget Artemis lunar program while praising SpaceX's increased launches from Cape Canaveral. He discusses the politically-driven Space Force HQ relocation and NASA's efforts to reduce reliance on Russia for ISS orbit-raising. Global space startups are booming, Starlink cuts prices, and new astronomical discoveries are made. 1960

CONTINUED Bob Zimmerman Space Policy, Launches, and Astronomical Discoveries Bob Zimmerman criticizes the over-budget Artemis lunar program while praising SpaceX's increased launches from Cape Canaveral. He discusses the politically-driven Space Force HQ relocation and NASA's efforts to reduce reliance on Russia for ISS orbit-raising. Global space startups are booming, Starlink cuts prices, and new astronomical discoveries are made. 1958

- Jennifer Oliver O'Connell/RedState- Mary Mobley/Heritage Foundation- Will this be the turning point in our culture?See omnystudio.com/listener for privacy information.

"The arrest of Abronye is politically motivated. I have listened to the audio that warranted the arrest, and it was purely criticism of the IGP; he made no threats." - Moses Abor, Former NPP Greater Accra Regional Youth Organiser

Filip Balunović, research fellow at the Institute for Philosophy and Social Theory at the University of Belgrade, explains the recent protests in Serbia, where a student-led movement is fighting back against an entrenched autocratic government that is aligned both with autocratic powers in the East, like Russia and China, and democratic powers in the West, like European Union and The United States.

We just got the most bullish confirmation to date, we're going higher!More mainstreet integration big news from the SEC & CFTCPaper bitcoin summer and papershitcoin summer Memecoin battle heating up while the average person is trying to figure out how to make ends meet some politcians are playing stupid gamesStablecoin threat? maybe not who you think it is Tahinis a bitcoin treasury company before it was cool ✔️ Sources: ► https://x.com/therealtahinis/status/1962896189436645579?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://www.sec.gov/newsroom/press-releases/2025-110-sec-cftc-staff-issue-joint-statement-trading-certain-spot-crypto-asset-products► https://news.fintech.io/post/102l2if/stablecoins-are-coming-for-your-rewards-points► https://x.com/btc_archive/status/1962856374930395230?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/_rob_wallace/status/1962878565923381388?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/btc_archive/status/1962858496426189039?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/i/status/1962884100726935574► https://www.devdiscourse.com/article/business/3613429-treasurys-bold-move-bitcoin-backed-listing-in-amsterdam?amp► https://x.com/bitcoinmagazine/status/1963151785687687380?s=52&t=CKH2brGypO5fEYTgQ-EFhQTABCONF TICKETS HERE: https://7.tabconf.com/✔️ Check out Our Bitcoin Only Sponsors!► https://archemp.co/Discover the pinnacle of precision engineering. Our very first product, the bitcoin logo wall clock, is meticulously machined in Maine from a solid block of aerospace-grade aluminum, ensuring unparalleled durability and performance. We don't compromise on quality – no castings, just solid, high-grade material. Our state-of-the-art CNC machining center achieves tolerances of 1/1000th of an inch, guaranteeing a perfect fit and finish every time. Invest in a product built to last, with the exacting standards you deserve.► Join Our telegram: https://t.me/PlebUnderGroundChat #Bitcoin #crypto #cryptocurrency #dailybitcoinnews #memecoins The information provided by Pleb Underground ("we," "us," or "our") on Youtube.com (the "Site") our show is for general informational purposes only. All information on the show is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SHOW OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SHOW. YOUR USE OF THE SHOW AND YOUR RELIANCE ON ANY INFORMATION ON THE SHOW IS SOLELY AT YOUR OWN RISK.

Liberal Senator Jacinta Nampijinpa Price's claim that the government is accepting "large numbers" of Indian migrants into Australia to bolster Labor's vote has been strongly rebuffed by the Special Envoy for Indian Ocean Affairs, Tim Watts. Listen to this interview in which he shares how he is engaging with the community following recent anti-immigration rallies and their turnout.

#MARKETS:   LIZ PEEK THE HILL. FOX NEWS AND FOX BUSINESS: Elizabeth Peek: Elizabeth Peek examines the persistent tension between the White House and the Federal Reserve, observing that Chairman Jay Powell's actions are often perceived as politically motivated. She attributes high inflation during the Biden years to belated rate hikes and points to a "bound up housing market" due to past low mortgage rates and current high rates, making housing unaffordable. Peek highlights the underestimated, rapid impact of AI, noting its widespread adoption (700 million weekly ChatGPT users) indicates genuine, impactful companies rather than a bubble. She also supports Trump's proposal for addressing homelessness via dedicated facilities. 1808 BANK OF ENGLAND

In Kaduna, suspected political thugs stormed an ADC meeting, leaving chaos and fear in their wake. Barely days later in Kebbi State, an ADC convoy was attacked on the road.Two violent incidents in just one week  targeting the same political party. And yet, the 2027 elections are still two years away.If this is how the political season is beginning, what should Nigerians expect as we draw closer to the polls? Could 2027 turn into one of Nigeria's most violent elections yet?In today's episode of Nigeria Daily, we take a closer look at these troubling events, speaking with victims, political actors, the police, and analysts on what this could mean for Nigeria's democracy.

Electric Picnic is over for another year. With headline acts as big as Hozier, Chappel Ronan and Kings of Leon taking to the main stage. The most talked about and in demand act of the weekend, Kneecap, took to the stage at 3:30 on Saturday afternoon.Many festival goers weren't happy with their time slot, but the afternoon didn't seem to be an issue for the Irish rappers, and has been deemed a family favorite for all.How are the band keeping young people politically engaged, and what did you make of them at Electric Picnic?Joining Andrea to discuss is Journalist with the Irish Independent, Saoirse Hanley, as well as listeners who were there.

Netanyahu recognizes the Armenian, Assyrian, and Greek genocides during his interview with Patrick Bet-David on the PBD Podcast. Turkey blasts the move as politically motivated, exposing deep rifts in Israel-Turkey relations and sparking emotional global reactions from Armenians, Assyrians, and Greeks.

Rudolf IV of Habsburg (1339–1365), son of Albrecht “the Wise,” reigned as Duke of Austria for just seven years but left a lasting mark. Born when the dynasty seemed close to extinction, Rudolf secured Austria's survival and prestige. Politically, he sought to elevate Vienna by founding the University of Vienna (1365) and beginning construction of St. Stephen's Cathedral. Though he fulfilled his father's ambition to gain the Tyrol, the family fell behind their rivals, namely the Luxemburgs.Rudolf's most audacious act was the Privilegium Maius, a set of forged charters claiming ancient Roman emperors had granted Austria near-sovereign status, primogeniture, and the unique title of Archduke. Though denounced by Petrarch as absurd, the documents shaped Habsburg identity for centuries and underpinned later power.By creating myths of divine and heroic origins, Rudolf forged a sense of Habsburg exceptionalism. Though dying young without heirs, he truly was “the Founder.”The music for the show is Flute Sonata in E-flat major, H.545 by Carl Phillip Emmanuel Bach (or some claim it as BWV 1031 Johann Sebastian Bach) performed and arranged by Michel Rondeau under Common Creative Licence 3.0.As always:Homepage with maps, photos, transcripts and blog: www.historyofthegermans.comIf you wish to support the show go to: Support • History of the Germans PodcastFacebook: @HOTGPod Threads: @history_of_the_germans_podcastBluesky: @hotgpod.bsky.socialInstagram: history_of_the_germansTwitter: @germanshistoryTo make it easier for you to share the podcast, I have created separate playlists for some of the seasons that are set up as individual podcasts. they have the exact same episodes as in the History of the Germans, but they may be a helpful device for those who want to concentrate on only one season. So far I have:The OttoniansSalian Emperors and Investiture ControversyFredrick Barbarossa and Early HohenstaufenFrederick II Stupor MundiSaxony and Eastward ExpansionThe Hanseatic LeagueThe Teutonic KnightsThe Holy Roman Empire...

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  41:31   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got pay walls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

Time Stamps:3:06 - Politically Protected Pedophiles8:26 - PragerU's "MAGA Loyalty Test"12:20 - Grok Takedown Requests/Strategically Stoking Antisemitism?15:18 - Digital Gulags & Totalitarian Technocracy28:15 - Controlling the Epstein Narrative40:28 - Steve Bannon Glows58:14 - Postmortem/Call-in Portion1:05:14 - Verisk's Wildfire Risk Assessment1:13:35 - Wildfire Gladio1:18:01 - Luigi Mangione's Arrest1:24:43 - Karen Bass Corruption1:29:07 - Israeli Influence Operations -- The Red Heifer Ritual1:42:11 - Chen Tao -- The True Way CultVenture into the shadowy realms of power and secrecy with Already Dead, where hosts Jose Galison (@towergangjose) and Austin Picard (@theatrethugawp) dissect the intricate web of conspiracy, covert operations, and the underlying political machinations that might just be pulling the strings of our society.What to Expect:Live Listener Interaction: Call in to share your theories, ask burning questions, or discuss personal experiences related to the topics at hand. In-Depth Explorations: Each episode focuses on a different conspiracy or hidden aspect of political history, offering a platform to question and analyze what's often left unsaid. Thought-Provoking Guests: We invite individuals with insider knowledge or those who've taken the red pill to discuss topics that range from the fringe to the forefront of conspiracy culture. Critical Analysis of Current Affairs: We don't just report on events; we interpret them through the lens of parapolitics, looking for patterns and hidden agendas.Join Us:Every Tuesday at 9:30 PM ET, dive into the depths of the unknown with us. Subscribe, participate in our live call-ins, and be part of a community that seeks to understand the world beyond the surface narrative.Disclaimer: This podcast thrives on speculation, hypothesis, and the examination of alternative theories. It's meant to provoke thought and encourage personal research. Not all discussed is proven fact, but rather a call to question, explore, and understand.Warning: For those not ready to challenge their worldview, tread carefully. Once you enter the world of Already Dead, you might find that the truth is often already dead to the uninitiated. Welcome aboard, where curiosity is your guide.Please consider supporting our work-Austin's Patreon: https://www.patreon.com/c/TheUnderclassPodcastAustin's Spreaker: https://www.spreaker.com/podcast/the-underclass-podcast--6511540Austin's Rumble: https://rumble.com/user/TheUnderclassPodcastAustin's YouTube: https://www.youtube.com/@TheUnderclassPodcast#TomAlexandrovich #IsraelNationalCyberDirectorate #ZionistPedophiles #PoliticallyProtectedPedophiles #CybersecurityPedophiles #GrokTakedown #MAGALoyaltyTest #PragerU #StokingAntisemitism #TotalitarianTechnocracy #EpsteinNarrativeControl #SteveBannon #MichaelWolff #100HoursWithEpstein #WildfireGladio #VeriskFireline #LuigiMangione #RedHeiferRitual #ChenTao #TrueWayCultBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-underclass-podcast--6511540/support.

Time Stamps:3:06 - Politically Protected Pedophiles8:26 - PragerU's "MAGA Loyalty Test"12:20 - Grok Takedown Requests/Strategically Stoking Antisemitism?15:18 - Digital Gulags & Totalitarian Technocracy28:15 - Controlling the Epstein Narrative40:28 - Steve Bannon Glows58:14 - Postmortem/Call-in Portion1:05:14 - Verisk's Wildfire Risk Assessment1:13:35 - Wildfire Gladio1:18:01 - Luigi Mangione's Arrest1:24:43 - Karen Bass Corruption1:29:07 - Israeli Influence Operations -- The Red Heifer Ritual1:42:11 - Chen Tao -- The True Way CultVenture into the shadowy realms of power and secrecy with Already Dead, where hosts Jose Galison (@towergangjose) and Austin Picard (@theatrethugawp) dissect the intricate web of conspiracy, covert operations, and the underlying political machinations that might just be pulling the strings of our society.What to Expect:Live Listener Interaction: Call in to share your theories, ask burning questions, or discuss personal experiences related to the topics at hand.In-Depth Explorations: Each episode focuses on a different conspiracy or hidden aspect of political history, offering a platform to question and analyze what's often left unsaid.Thought-Provoking Guests: We invite individuals with insider knowledge or those who've taken the red pill to discuss topics that range from the fringe to the forefront of conspiracy culture.Critical Analysis of Current Affairs: We don't just report on events; we interpret them through the lens of parapolitics, looking for patterns and hidden agendas.Join Us: Every Tuesday at 9:30 PM ET, dive into the depths of the unknown with us. Subscribe, participate in our live call-ins, and be part of a community that seeks to understand the world beyond the surface narrative.Disclaimer: This podcast thrives on speculation, hypothesis, and the examination of alternative theories. It's meant to provoke thought and encourage personal research. Not all discussed is proven fact, but rather a call to question, explore, and understand. Warning: For those not ready to challenge their worldview, tread carefully. Once you enter the world of Already Dead, you might find that the truth is often already dead to the uninitiated. Welcome aboard, where curiosity is your guide.Check out nadeaushaveco.com today & use code Jose for 10% off your entire order!!!Please consider supporting my work- Patreon- https://www.patreon.com/nowayjose2020Only costs $2/month and will get you access to episodes earlier than the public No Way, Jose! Rumble Channel- https://rumble.com/c/c-3379274 No Way, Jose! YouTube Channel- https://youtube.com/channel/UCzyrpy3eo37eiRTq0cXff0gMy Podcast Host- https://redcircle.com/shows/no-way-joseApple podcasts- https://podcasts.apple.com/us/podcast/no-way-jose/id1546040443Spotify- https://open.spotify.com/show/0xUIH4pZ0tM1UxARxPe6ThStitcher- https://www.stitcher.com/show/no-way-jose-2Amazon Music- https://music.amazon.com/podcasts/41237e28-c365-491c-9a31-2c6ef874d89d/No-Way-JoseGoogle Podcasts- https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5yZWRjaXJjbGUuY29tL2ZkM2JkYTE3LTg2OTEtNDc5Ny05Mzc2LTc1M2ExZTE4NGQ5Yw%3D%3DRadioPublic- https://radiopublic.com/no-way-jose-6p1BAO Vurbl- https://vurbl.com/station/4qHi6pyWP9B/Feel free to contact me at thelibertymovementglobal@gmail.com#TomAlexandrovich #IsraelNationalCyberDirectorate #ZionistPedophiles #PoliticallyProtectedPedophiles #CybersecurityPedophiles #GrokTakedown #MAGALoyaltyTest #PragerU #StokingAntisemitism #TotalitarianTechnocracy #EpsteinNarrativeControl #SteveBannon #MichaelWolff #100HoursWithEpstein #WildfireGladio #VeriskFireline #LuigiMangione #RedHeiferRitual #ChenTao #TrueWayCult

Politics vs. Romance ~ Can my erotic romantic relationship survive if we greatly differ politically? Listen to caller's personal dramas four times each week as Dr. Kenner takes your calls and questions on parenting, romance, love, family, marriage, divorce, hobbies, career, mental health - any personal issue! Call anytime, toll free 877-Dr-Kenner. Visit www.drkenner.com for more information about the show (where you can also download free chapter one of her serious relationships guidebook).

We face a special challenge in America.James Naughtie speaks to veteran US politician John Kerry about the state of American politics and his long career at the top of global affairs.As well as standing for president himself as the Democratic candidate in 2004, he served as Secretary of State in the Obama administration and as Joe Biden's climate envoy. Secretary Kerry was at the centre of some of the most significant global crises in recent history from Iraq to Iran and Syria. He still believes one of America's greatest foreign policy mistakes was invading Iraq in 2003 without first seeking formal approval from the US Congress.He is forthright in his views on America today, saying he has never seen anything like what the country is living through. He describes politics as defined by greed and insensitivity, and guided by the lowest aspirations. For his Democratic party to return to power once more, he challenges them to face and address the issues the American people care about, including immigration. Thank you to the Politically team for its help in making this programme. The Interview brings you conversations with people shaping our world, from all over the world. The best interviews from the BBC. You can listen on the BBC World Service, Mondays and Wednesdays at 0700 GMT. Or you can listen to The Interview as a podcast, out twice a week on BBC Sounds, Apple, Spotify or wherever you get your podcasts.Presenter: James Naughtie Producers: Lucy Sheppard, Giles Edwards Editor: Nick HollandGet in touch with us on email TheInterview@bbc.co.uk and use the hashtag #TheInterviewBBC on social media.(Image: John Kerry. Credit: Reuters)

  ROTG137 Politically Motivated Attacks Revisited   Nonprofit advocates face a complex environment in 2025 where political disagreements routinely escalate into targeted attacks—ranging from carefully crafted misinformation to more extreme tactics like organizational funding cuts, subpoenas, and personal targeting. This episode explores the emerging challenges advocates encounter, offering insights into recognizing, preparing for, and navigating these increasingly sophisticated forms of political pushback.   Attorneys for this Episode Brittany Hacker Tim Mooney Quyen Tu     Evolution of Political Attacks This isn't the first time we've covered this topic—we discussed it back in earlier episodes when attacks primarily came from private organizations and non-governmental entities like Project Veritas. What's changed is the increasing use of official government investigative authority against tax-exempt organizations, including:   Current Landscape: Government Investigations & Bad Faith Actors Executive Orders from the Trump administration Universities under attack and scrutiny Government agencies: Department of Government Efficiency (DOGE) State Attorneys General investigations (particularly from those seeking higher office) New techniques utilizing official power with minimal basis for investigation The key challenge: These officials have great investigative power and can exercise it with the slimmest basis, using bad faith political attacks against organizations doing good community work they simply disagree with.   Examples of Great Advocacy in Response Despite these attacks, many nonprofits have stepped up their advocacy:   Challenging the administration in court Almost every executive order has faced legal challenges Many nonprofits have teamed up for court cases Some challenges have been successful, others ongoing   Calling out attacks for what they are Naming attacks as politically motivated and in bad faith Pointing out reliance on dubious information This approach has met with significant success   Solidarity in numbers Some law firms and universities initially settled with the administration Others joined together and refused to settle or capitulate Finding strength in solidarity and continuing their missions   Funder support stepped up Funders creating new short-term grants Establishing legal defense funds Providing pro bono services for nonprofits Some funders publicly increased funding; others acted quietly but effectively   Being Prepared: Your Best Defense   Legal and Administrative Compliance The best defense is ensuring full compliance with all applicable laws so you can advocate with confidence.   Advocacy Check-Up Tool: Our nonprofit self-assessment (13-page document available free on our website) Identifies opportunities to enhance compliance with tax, lobbying, election, and other laws Provides starting place to assess existing systems Helps prepare for attorney meetings with specific checklist items   Key compliance areas to review: How your 501(c)(3) remains nonpartisan Staying within lobbying limits for C3 public charities Ensuring all reporting is current (IRS, FEC, local ethics commissions) Checking insurance coverage (directors & officers, liability) Board setup and bylaw compliance Document management: Store foundational documents electronically in the cloud   Maintain excellent records: Clear, accurate documentation to easily prove legal compliance when needed   Organizational Readiness and Communications Planning Beyond legal compliance, you need comprehensive preparation: Identify vulnerabilities: What might attackers say about your work? Communications strategy: Have a plan for public response Election season policy: Clear guidelines for staff activities Document retention policy: Know what to keep and for how long Staff training: Especially public-facing staff and volunteers Train them to recognize unusual questions outside normal scope Establish "odd question point person" to defer to Response protocols: Know what to do if attacked Legal counsel: Have a lawyer you can call or know who to contact   Most Important: Don't Self-Censor Remember these are bad faith attacks. You aren't doing anything wrong. They're trying to: Separate you from your funders Separate you from your supporters Make you stop your advocacy work Avoid engaging on the substance of your work   Don't fall for the trap of stopping your advocacy just because they claim you're doing something wrong. If your compliance is solid and you have a communications plan, you've likely done nothing wrong—keep doing your important work.     If You Are Attacked: Response Strategy   Initial Response: Don't Overreact Reassure everyone: Staff, board, key supporters that you have a plan and are executing it Share with allies: Touch base with coalitions and peer organizations Attacks often target multiple similar organizations Share what you're experiencing and your response plans Ask for help: Learn from others who've been through this; consult funders and foundations   Fact-Finding and Gap Analysis Get clear on accusations: What specifically are they claiming? Assess the facts: What do you know vs. don't know? Close any gaps: You don't have to be perfect Retrain staff if needed Amend reports if necessary Address any legitimate compliance issues   Response Protocol for Official Investigations   When facing government actors: Request identification and documentation: Ensure it's a legitimate governmental agency with authority (warrant/subpoena) Preserve all evidence: Don't destroy documents, emails, or other records Don't obstruct government action but monitor their work (like supervising a contractor in your house) Protect privileged information: Seek legal advice on confidential/privileged materials Designate spokesperson: One staff member communicates with government actors and public to avoid conflicting messages   Legal Support and Defense Seek counsel for preparation: Some aspects you can handle alone, others need legal guidance Retain counsel for formal responses: Essential for official investigations Investigate legal defense funds: If budget is tight, these are increasingly available   Staying on Offense: Reframe the Narrative With a good plan in place, you can be on offense instead of defense: Call political attacks what they are Feel confident in your legal compliance Ensure staff feel safe and confident by sharing/reviewing your plan Continue your great advocacy work because you're in compliance with laws   Special Thanks to Funders Shout out to funders who have stepped up during these attacks: Some have been very public about increasing funding Many have acted quietly without spotlight Both approaches are important and appreciated Creating new funding mechanisms and legal defense funds   Resources Advocacy Check-Up: Nonprofit Self-Assessment Essential Strategies for Navigating Government Inquiries (Perkins Coie) Search Warrants: Dos and Don'ts (Perkins Coie) Sample 501(c)(3) Policy for Election Season  Election Activities of Individuals Associated with 501(c)(3)s  Practical Guidance Series: Lobbying  Practical Guidance Series: Nonprofit Voter Assistance On-Demand Training: Preparing for Politically Motivated Attacks

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The Prism of America's Education with Host Karen Schoen – After a recent broadcast, I got several emails from Democrat listeners. I wanted to share the emails with you because they will give you an indication of how the left thinks. I constantly tell you when you have a conversation with Democrats or people on the fence, ask questions. You can present facts, but you will soften the conversation if you...