Podcasts about prices

A yawn spreads quickly. You see someone yawn, you think about yawning, or you even read the word “yawn”—and suddenly you're doing it too. This episode begins by looking at why yawning is so contagious, what theories actually hold up, and what science still can't explain. https://www.livescience.com/human-behavior/why-is-yawning-contagious A Christmas tree seems like such a natural part of the holiday season, but the tradition behind it is rich, surprising, and deeply woven into American history. Why an evergreen? Where did the practice originate? How do they select the giant tree for Rockefeller Center every year? Here to explain the story and the symbolism behind the Christmas tree is Trent Preszler, professor of Applied Economics and Management at Cornell University and author of the book Evergreen: The Trees That Shaped America. (https://amzn.to/43NUVSj). Dining out today is nothing like it was just a few years ago. Prices are higher, tipping culture has shifted, customer expectations are changing, and restaurants face tighter margins than ever. Adam Reiner joins me with a behind-the-scenes look at what's really happening in the industry and offers practical advice for getting the best experience when you eat out. Adam is a food writer whose work has appeared in Bon Appétit, Food & Wine, and New York Magazine, and he's author of The New Rules of Dining Out (https://amzn.to/3Xhg0kf). You would think eating food should satisfy you—yet some foods do the opposite. Highly processed foods digest so quickly and trigger such different responses in your body that they can actually leave you hungrier. I explain what the science shows and why these foods can lead to overeating. https://www.nih.gov/news-events/nih-research-matters/eating-highly-processed-foods-linked-weight-gain PLEASE SUPPORT OUR SPONSORS! AURA FRAMES: Visit ⁠⁠⁠https://AuraFrames.com⁠⁠⁠ and get $45 off Aura's best selling Carver Mat frames by using promo code SOMETHING at checkout. INDEED: Get a $75 sponsored job credit to get your jobs more visibility at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://Indeed.com/SOMETHING⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ right now! DAVID GREENE IS OBSESSED: We love the "David Greene Is Obsessed" podcast! Listen at ⁠ https://link.mgln.ai/SYSK⁠ or wherever you get your podcasts. QUINCE: Give and get timeless holiday staples that last this season with Quince.  Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://Quince.com/sysk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for free shipping on your order and 365 day returns! DELL: It's time for Cyber Monday at Dell Technologies. Save big on PCs like the Dell 16 Plus featuring Intel® Core™ Ultra processors. Shop now at: ⁠⁠⁠⁠⁠⁠ https://Dell.com/deals ⁠⁠⁠⁠⁠⁠ AG1: Head to ⁠⁠⁠⁠⁠⁠https://DrinkAG1.com/SYSK ⁠⁠⁠⁠⁠⁠ to get a FREE Welcome Kit with an AG1 Flavor Sampler and a bottle of Vitamin D3 plus K2, when you first subscribe!  NOTION: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Notion brings all your notes, docs, and projects into one connected space that just works . It's seamless, flexible, powerful, and actually fun to use! Try Notion, now with Notion Agent, at: ⁠⁠⁠⁠⁠⁠https://notion.com/something⁠⁠⁠⁠⁠⁠ PLANET VISIONARIES: In partnership with Rolex's Perpetual Planet Initiative, this… is Planet Visionaries. Listen or watch on Apple, Spotify, YouTube, or wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or 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, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   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  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Tonight's questions: - Will RAM prices extend the current gen? - Will game streaming services rise in popularity? - Do we know anything new about the TGA statue? - Is the Meta Quest 3 worth buying? - Is Metroid Prime 4 worth buying? Thanks as always to Shawn Daley for our intro and outro music. Follow him on Soundcloud: https://soundcloud.com/shawndaley Where to find Throwdown Show: Website: https://audioboom.com/channels/5030659 Twitch: https://www.twitch.tv/throwdownshow Twitter: https://twitter.com/ThrowdownShow YouTube: https://www.youtube.com/throwdownshow Discord: https://discord.gg/fdBXWHT Twitter list: https://twitter.com/i/lists/1027719155800317953

Ep 504 - The PC Gaming Show had over 2 hours of games to show, and we try to hit some highlights. Prices for gaming hardware are skyrocketing, and we share thoughts on Metroid Prime 4, Marvel Cosmic Invasion, Routine, and much more. Become a patron to get the extended cut: https://www.patreon.com/posts/extended-metroid-145122815 00:00 - Intro 05:57 - PC Gaming Show Highlights 28:31 - Horses Impressions 44:06 - Marvel Cosmic Invasion Impressions 56:17 - RAM is Getting Pricey 01:13:22 - Elden Ring Nightreign Update Impressions 01:15:09 - Soulframe Impressions 01:20:40 - The Outer Worlds 2 Impressions 01:23:08 - Let it Die: Inferno Impressions 01:28:18 - Routine Impressions 01:32:52 - Metroid Prime 4: Beyond Impressions 01:41:00 - Top 10 Racing Tracks / Courses 01:49:34 - Also This Week 02:03:45 - L&R: Perfect Runtime 02:10:10 - L&R: Life-Changing 02:21:39 - L&R: Revisited for the Better 02:30:53 - Bets 02:35:46 - Closing Learn more about your ad choices. Visit podcastchoices.com/adchoices

I'd like to think I'm someone who was always into the future stuff, you know? The science of Star Trek and what we'd eventually develop with technology and all of that stuff you think about as a kid watching your sci-fi or reading about the future. I was always hopeful we'd get to a point where I could really think we took some steps into making that sci-fi stuff a reality – but like, the good kind. We got there a few times. Moon landing being one of them and video phone conversations. There's plenty to point at and be amazed. But then there's AI. I won't go into the pros and cons of the tech – there's layers and layers deep of conversation to be had on that subject, philosophical or otherwise. But to just step back and look at the ripple effect of it…that's a little disheartening. There's many examples I could point to, but for the purpose of this show, it's the current prices of RAM that is just bonkers crazy with how prices have skyrocketed. It started in Covid times when people started to work from home and needed more PCs which meant more RAM. So the companies made more. Too much, actually and we had a good surplus of it. Prices were pretty great. Now we have AI and companies are snatching up all they can. Because we were in a surplus, we now find ourselves with low quantities due to all the AI companies grabbing all they can where they can. And the prices are ridiculous. Much more so, the RAM makers are starting to skip over regular consumer RAM and selling ONLY to the big tech companies. And at the risk of sounding all conspiracy theorists, the government is involved in this as well. Like, I'd say the rabbit hole goes deep, but it really doesn't. Mainly because it isn't being hidden anymore. And the more you look into it the more depressing it becomes because it absolutely shows no sign of stopping anytime soon. An AI bubble burst is the hope, but we don't know if that'll ever happen and, worse yet, if there's a chance of it happening, it is WAY off in the distant future. A lot of it feels like it's just going to get worse before it even slightly gets better. For now, I hope you're satisfied with the power of your PC, laptop, phone, watch, console, and any other device using RAM, because making upgrades to your PC or getting any of those other devices in the very near future is going to cost far more than it does now. Ubisoft, in the time since you've announced a Splinter Cell remake, your original director on the project left and has now returned. And we're still nowhere close to a release. A remake isn't even a part of the deal here but it's been so long I might make an exception. It has been 4,493 days since a new Splinter Cell game (non-animated series or guest spot in another game franchise, remake, BBC radio drama, or VR exclusive) was released. Also, there's been 5,300 job losses in the gaming industry since January 1, 2025.

In this weekend's episode, three segments from this past week's Washington Journal. First: President Trump stuns House Republicans with a surprise pardon this week for Texas Democrat Henry Cuellar – whose Laredo seat Republicans were hoping to pick up in the midterms. We'll get the scoop from Gabby Birenbaum Washington Correspondent for the Texas Tribune. Then: A conversation with Shawn VanDiver -- founder and president of #AfghanEvac --a nonprofit run by American veterans helping to resettle Afghans who assisted the U.S. during the two-decade war. Plus: Electricity and utility prices are rising across the country as winter weather starts to kick in. We speak with Robinson Meyer – Founder of the website Heatmap News – about what's driving the increases. Learn more about your ad choices. Visit megaphone.fm/adchoices

This is your afternoon All Local update for December 6, 2025.

If you wish to support the show and PFC Irvine's Journey you can find his Ebay store here----> PFC NETWORK  Like our Facebook Page: Learning To Deal Podcast Learning To Deal Is a podcast about the host's (PFC Irvine) Journey in being a coin dealer while dealing with life and invisible combat injuries. 

Fonetica come pronunciare le lettere 'c' + 'g'#pronunciation #aussprache #italian #spokenLivello A1In questo episodio impariamo a pronunciare parole difficili che contengono le lettere 'c' + 'g' in italiano/italienisch/italian!Buongiorno cari amici e amanti dell'italiano e benvenuti all'episodio numero 208.Oggi parliamo di fonetica, come pronunciare bene le parole in italiano e ci concentriamo su due lettere particolarmente difficili per gli stranieri che imparano l'italiano.Sto parlando delle lettere c (in inglese c(i) e in tedesco c(e) – e g (in inglese g(i) e in tedesco g(e)....Exercises available in ShownotesÜbungen in den Shownotes enthalten...- The full transcript of this Episode (and excercises for many of the grammar episodes) is available via "Luisa's learn Italian Premium", Premium is no subscription and does not incur any recurring fees. You can just shop for the materials you need or want and shop per piece. Prices start at 0.20 Cent (i. e. Eurocent). - das komplette Transcript / die Show-Notes zu allen Episoden (und Übungen zu vielen der Grammatik Episoden) sind über Luisa's Podcast Premium verfügbar. Den Shop mit allen Materialien zum Podcast finden Sie unterhttps://premium.il-tedesco.itLuisa's Podcast Premium ist kein Abo - sie erhalten das jeweilige Transscript/die Shownotes sowie zu den Grammatik Episoden Übungen die Sie "pro Stück" bezahlen (ab 20ct). https://premium.il-tedesco.itMehr info unter www.il-tedesco.it bzw. https://www.il-tedesco.it/premiumMore information on www.il-tedesco.it or via my shop https://www.il-tedesco.it/premium

DPS Gaming Channelhttps://www.youtube.com/channel/UCBGYnElxgf6v24IahArK6XgCheck out Gaming Forte:https://www.youtube.com/gaming_fortehttps://twitter.com/gaming_forte​Check out SloMoBackSlap:https://twitch.tv/slomobackslaphttps://twitter.com/slomobackslaphttps://www.tiktok.com/@UCClIAvHh1FKUQcdwgQH82Qw

Pipe Bomber Arrest (Main News Story) After nearly five years, the FBI arrested Brian J. Cole Jr., accused of planting pipe bombs near the DNC and RNC headquarters on January 5, 2021. The discussion criticizes the Biden administration for delaying the investigation despite having evidence early on. Quotes from Pam Bondi and Dan Bongino emphasize that the arrest was achieved through renewed focus under the Trump administration, not new tips. Raises questions about accountability for prior DOJ and FBI leadership. Three Major White House Events Monday: Signing of the Medals Act, authored by Cruz, which triples the monthly stipend for Medal of Honor recipients from $1,400 to $5,600. Tuesday: Launch of Trump Accounts, a financial initiative aimed at creating investment accounts for every child in America, seeded with $1,000 and allowing contributions up to $5,000 annually. Michael and Susan Dell pledged $6.25 billion to support this program. Wednesday: Announcement of rolling back CAFE standards and EV mandates to reduce car prices and improve safety. The policy aims to lower costs, increase consumer choice, and restore steel in car manufacturing for safety. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast 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 YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

In this Christmas edition of Ask Rick, we sit down with Rick Schmidt to talk holiday traditions, family time, and how he celebrates the biggest day of the year. Rick shares what Christmas looks like in the Schmidt household—good food, classic movies, and quality time with the people who matter most. As we wrap up 2025, it's the perfect moment to slow down, reflect, and appreciate another great year in the world of Muscle Cars. Rick also gives his year-end perspective on the shifting automotive landscape, from the sharp rise in restoration part prices to the evolving future of EVs, hybrids, and traditional fuels. He weighs in on the booming online auction scene and whether the growing number of platforms is helping or hurting sellers. It's a thoughtful, honest look at where the hobby is heading as we roll into 2026—one that every enthusiast will want to hear. The post TMCP #631: Ask Rick – The Year In Reivew and the Year to Come: Restoration Parts Prices, Online Auctions, and Great Cars for Investment! first appeared on The Muscle Car Place.

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links —Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.

Giftflation is here. Prices for go-to gifts such as boxes of chocolates or the latest iPhone will be higher this year than last thanks to rising tariffs and inflation. And while consumers are anxious about the economy, they are still expected to break spending records by shelling out more than $1 trillion on holiday shopping. We'll talk about your gift plans and hear tips from scouring craft fairs, to searching out meaningful finds from small businesses to going the  no-buy route such as gifting free babysitting or experiences. Guests: Amanda Mull, columnist, Bloomberg Taylar Hagan-Colyar, founder, Sip Shop Eat! Sarahjane Bernhisel, illustrator; co-founder, Bay Made Learn more about your ad choices. Visit megaphone.fm/adchoices

Canadian journalist Nora Loreto reads the latest headlines for Friday, December 5, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-news-podcast--2952221/support.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Follow us on:Bluesky: @therealnews.comFacebook: The Real News NetworkTwitter: @TheRealNewsYouTube: @therealnewsInstagram: @therealnewsnetworkBecome a member and join the Supporters Club for The Real News Podcast today!

Lowering prices won't save your customers.Price isn't why they cancel.I'm Dan Martell, CEO of a $100M portfolio, and retention is our secret weapon.Here's the simple 7-step process we use to keep customers paying and increase profit fast.✅ Get your FREE Cancellation Capture System here: https://go.danmartell.com/4iD1ywS ▸▸ Subscribe to The Martell Method Newsletter: https://bit.ly/3XEBXez▸▸ Get My New Book (Buy Back Your Time): https://bit.ly/3pCTG78

In this week's Frankly, Nate explores how the prices we encounter in our daily lives are influenced by not only how much money is in the system, but also by resource depletion, technology, affordability by 'the masses,' and trust within a complex global system. Prices are deeply intertwined with the biophysical reality that underpins our society, and are affected by major forces that often operate unseen to the average consumer. Other forces – like leverage, complexity, and currency reform – also have longer term repercussions within our monetary system. These have the ability to create both inflationary and deflationary effects on price, amplifying notions of prosperity and fragility within our current social contract. Ecological instability, often treated as peripheral to financial/price analysis, has emerged as another driver of prices, even as extreme weather, biodiversity loss, and breached planetary boundaries will increasingly feed directly into the cost structures of our modern civilization. Where are the gaps within our existing conceptions of money and prices? What might follow the past few centuries of increasing societal and economic complexity? And how do prices – and societies – change when monetary claims and physical reality begin pulling in opposite directions? (Recorded December 1st, 2025)   Show Notes and More Watch this video episode on YouTube   Want to learn the broad overview of The Great Simplification in 30 minutes? Watch our Animated Movie.   ---   Support The Institute for the Study of Energy and Our Future   Join our Substack newsletter   Join our Hylo channel and connect with other listeners  

Welcome back to another episode of the Couple Casuals Podcast!Today, Stefano sits down with Daniel Foch — real estate analyst, investor, and co-host of The Canadian Real Estate Investor — for one of the most eye-opening breakdowns of Canada's housing and economic crisis.Over the last few years, Canada created the “perfect storm”: explosive population growth, record-low interest rates, pandemic money, and massive speculation. Now, Canadians are waking up in the hangover — soaring debt, falling prices, cancelled pre-construction projects, and the harsh reality that affordability has collapsed. In this conversation, Stefano and Daniel dig into:• why buyers are waiting, sellers are stressed, and patience is being rewarded• how Canadian households became the most indebted in the world• why pre-constructions are failing at alarming rates• how politics, immigration, and zoning shaped today's crisis• what the data says about 2026 — and why a slow grind downward is more likely than a crash They also explore personal finance, investor mistakes, the rise of financial illiteracy, and the massive gap between what Canadians earn and what they're expected to afford.This episode is straightforward, data-backed, and brutally honest — a must-hear for anyone trying to navigate Canada's housing market right now.Grab a casual, lock in, and let's get into it.Host: Stefano (stefo)Instagram: @drstefohttps://www.instagram.com/drstefo?igs...Guest: Daniel FochYouTube: @d​⁠Instagram: https://www.instagram.com/danielfoch/Podcast: The Canadian Real Estate Investor PodcastThis episode is brought to you by Canada First — secure your home with Canada's best home fortification. Visit https://canadafirst.com/ to learn more.CHAPTERS0:00 — Intro + Sponsor0:36 — Meet Daniel Foch1:00 — '90s Market Déjà Vu1:34 — Data vs. Old Narratives2:24 — Daniel's Background3:07 — Why Realtors Lost Trust4:15 — AI Changing Real Estate5:52 — Shift to Rentals6:57 — Agents Leaving Industry7:52 — Canada's Affordability Crisis8:49 — How We Got Here10:19 — Pandemic Money Fallout11:09 — Mortgage Shock Coming12:03 — Record Consumer Debt13:24 — Are We in a Recession?14:59 — Prices vs. Rates Reality15:54 — Why New Builds Struggle17:01 — Buyer Patience Pays18:15 — Should Sellers Wait?19:42 — Emotional Pricing Problem21:07 — Financial Literacy Crisis22:54 — Explaining the Condo Crash24:47 — Pre-Con Investors Burned26:12 — 22% Closing Failure Rate27:28 — Supply Flooding Market28:34 — When Prices Finally Bottom29:51 — 2026 Market Outlook31:32 — Politics & Housing Meet33:14 — Government Spending Debate34:47 — Housing Policy Breakdown36:20 — Why Builders Are Pausing37:45 — Zoning & Red Tape Issues39:15 — Who Should Fix Housing?40:31 — Modular Housing Concerns42:02 — Social Housing Explained43:48 — Taxation on Housing45:26 — Cities Blocking Development46:41 — Why Multiplexes Boom48:32 — Small Developers Return50:14 — Advice for First-Time Buyers52:12 — Should You Rent or Buy?53:48 — Stefano's Condo Debate55:03 — Why It's Not Selling56:24 — Future Buyer Behaviour57:59 — Deflation Mindset59:21 — Final Thoughts1:00:11 — New York's Future1:01:14 — Closing Remarks

It's the Ranch It Up Radio Show Herd It Here Weekly Report!  A 3-minute look at cattle markets, reports, news info, or anything that has to do with those of us who live at the end of dirt roads.  Join Jeff 'Tigger' Erhardt, the Boss Lady Rebecca Wanner aka 'BEC' by subscribing on your favorite podcasting app or on the Ranch It Up Radio Show YouTube Channel. Beef Prices Are Still A Bargain & Cattle Prices Are Not Too High Beef consumption in the U.S. is still climbing, even as the nation's cattle herd shrinks due to low prices, drought, and market instability. Recent border closures to Mexican cattle over New World Screwworm concerns, and former tariffs on Brazilian beef, helped drive both cattle and beef prices to unusually strong levels. President Trump has pledged to bring beef prices down. In the past six weeks, his administration has removed tariffs on South American food products, reversed the Brazilian beef tariffs, and moved to sharply increase Argentinian beef allowed under tariff quotas. The result: the fastest and steepest drop in feeder cattle futures ever recorded. But consumers haven't seen lower prices at the meat counter. Even with cattle prices falling about 20 percent from their highs, boxed beef prices actually climbed through October and have only recently leveled off—moving in the opposite direction of what the White House intended. REFERENCES:  https://www.tsln.com/news/a-steak-in-the-game-producers-say-beef-prices-are-appropriate-cattle-price-drop-is-artificial-fundamentals-havent-changed/ Upcoming Bull & Heifer Sales On RanchChannel.Com Lot's of bull and heifer sales coming up on the RanchChannel.Com sale calendar.  Check out the full line up HERE. SPONSORS Jorgensen Land & Cattle https://jorgensenfarms.com/ @JorLandCat Ranch Channel https://ranchchannel.com/ @RanchChannel Questions & Concerns From The Field? Call or Text your questions, or comments to 707-RANCH20 or 707-726-2420 Or email RanchItUpShow@gmail.com FOLLOW Facebook/Instagram: @RanchItUpShow SUBSCRIBE to the Ranch It Up YouTube Channel: @ranchitup Website: RanchItUpShow.com https://ranchitupshow.com/ The Ranch It Up Podcast is available on ALL podcasting apps. https://ranchitup.podbean.com/ Rural America is center-stage on this outfit. AND how is that? Because of Tigger & BEC... Live This Western Lifestyle. Tigger & BEC represent the Working Ranch world by providing the cowboys, cowgirls, beef cattle producers & successful farmers the knowledge and education needed to bring high-quality beef & meat to your table for dinner. Learn more about Jeff 'Tigger' Erhardt & Rebecca Wanner aka BEC here: TiggerandBEC.com https://tiggerandbec.com/

Prices and Expectations in the Grain Market Calving Kit and Schools When is the Next Storm?   00:01:05 – Prices and Expectations in the Grain Market: K-State grain economist, Daniel O'Brien, kicks off today's show discussing the current state of the markets as he talks through the futures and cash prices.  Daniel O'Brien on AgManager.info   00:12:05 – Calving Kit and Schools: Keeping the show rolling is K-State Extension beef veterinarian, A.J. Tarpoff, as he shares his reminders for preparing calving kits and upcoming calving schools. KSUBeef.org   00:23:05 – When is the Next Storm?: Chip Redmond, K-State meteorologist, concludes today's show explaining the recent cold temperatures, if they will continue and when we can be expecting potentially more winter precipitation.      Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu.   Agriculture Today is a daily program featuring Kansas State University agricultural specialists and other experts examining ag issues facing Kansas and the nation. It is hosted by Shelby Varner and distributed to radio stations throughout Kansas and as a daily podcast.   K‑State Extension is a short name for the Kansas State University Agricultural Experiment Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices statewide. Its headquarters is on the K‑State campus in Manhattan. For more information, visit www.ksre.ksu.edu. K-State Extension is an equal opportunity provider and employer.

We confront the collision between AI's soaring compute needs and a grid unready for 50% peak expansions, then map a practical path to build clean, firm power fast without losing sight of affordability. Dan shares candid insights on markets, permitting, contracts, and how 3Degrees tackles Scope 3 at scale.• AI demand growth outpacing efficiency gains• Wartime mobilization mindset for energy buildout• All-the-above strategy across renewables, storage, and firm power• Price pressures from supply constraints and who pays• Additionality and siting clean power abroad• Permitting and transmission reform progress and limits• Financial governance: minimum revenue commitments and PPA design• Demand response and 24/7 carbon matching incentives• Scope 3 decarbonisation and supplier aggregations• Virtual power plants and flexible load orchestration• Leadership, governance, and resilience in volatile marketsPower isn't a footnote to the AI boom—it's the bottleneck. We sit down with 3Degrees co-founder and chairman Dan Kalafatas to untangle the thorniest question in tech and climate: how do we deliver massive new capacity, keep prices in check, and still cut emissions on an hourly, 24/7 basis? Dan makes the case for a wartime mobilization mindset and an all-of-the-above strategy, pairing solar and wind with storage and firm clean power like recommissioned nuclear and geothermal, while acknowledging the near-term role of natural gas. He explains why utilities are demanding minimum revenue commitments from hyperscalers, how demand response can unlock tens of gigawatts in the hours that matter most, and why temporal matching in carbon accounting will push buyers toward real around-the-clock decarbonization.We dig into additionality as Big Tech sites data centers in places with hydro and other low-carbon resources. What actually drives new clean energy build instead of reshuffling existing electrons? Dan shares pragmatic contract levers—from accelerated repayment clauses to renewable-only PPAs—that reduce stranded-asset risk and steer capital toward projects that cut emissions when the grid is dirtiest. He also unpacks the friction slowing progress: interconnection queues, permitting delays, water constraints, and a public already feeling price pressure before the big build even begins.On the enterprise side, we explore how 3Degrees approaches Scope 3 decarbonization and the rise of virtual power plants, where orchestration beats brute force. Thousands of suppliers, different load shapes, and new 24/7 reporting expectations create a data problem tailor-made for AI—if governance and audit trails come first. Expect candid takes on “green hushing,” the role of states when federal leadership zigzags, and why empathetic leadership belongs at the center of market design and execution.Dan Kalafatas: https://www.linkedin.com/in/dankalafatas/Dan Kalafatas is the Chairman and Co-Founder of 3Degrees, a leading global decarbonization solutions provider that has spent nearly two decades building the scalable systems necessary for businesses to tackle the existential threat of climate change.  Dan is also a proud alumnus of Dartmouth College and the Stanford Graduate School of Business.Website: https://www.position2.com/podcast/Rajiv Parikh: https://www.linkedin.com/in/rajivparikh/Sandeep Parikh: https://www.instagram.com/sandeepparikh/Email us with any feedback for the show: sparkofages.podcast@position2.com

Bruce & Gaydos share one customer's story of how much money he paid for a classic American breakfast.

Economic Signals from Europe: Falling Energy, Rising Copper, Data Center Demand — Simon Constable — Constable reports from southern France that global economic indicators remain mixed: European energy prices have declined due to weak industrial demand signaling economic sluggishness, while copper prices surge driven by "green transition" infrastructure development and energy-intensive AI data center construction. Constable documents that copper demand is projected to increase sixfold by 2050, creating critical supply gaps and incentivizing dangerous copper wire theft from derelict properties, while China controls limited domestic production but maintains substantial contract claims on South American reserves rendering supply chains geopolitically vulnerable. 1954

Amazon Web Services (AWS) has made significant advancements in artificial intelligence (AI) at its reInvent event, introducing a new AI training chip, Trainium 3, which reportedly enhances performance for AI training and inference by up to four times while reducing energy consumption by 40%. Additionally, AWS launched new features in its Agent Core platform, allowing developers to set boundaries for AI agents and log user interactions. The introduction of customizable AI models through the new service, NovaForge, aims to make AI model development more accessible for businesses, addressing the high costs associated with creating models from scratch.Microsoft is facing challenges in selling its AI tools, with reports indicating a slowdown in customer adoption. Despite Microsoft's assertion that it has not lowered sales quotas for AI products, the situation highlights a broader issue: customers are struggling to see the value in AI investments due to messy data, inconsistent processes, and unclear governance. This resistance suggests that while demand for AI exists, readiness among customers remains low, presenting an opportunity for IT service providers to facilitate the transition by offering readiness assessments and governance frameworks.Managed Service Providers (MSPs) are increasingly utilizing AI, with a survey indicating that 80% have adopted AI-powered chatbots, which have improved customer support. However, one-third of MSPs report challenges in implementing AI, including high costs and a lack of internal expertise. As client expectations regarding data security rise, MSPs are deploying AI-driven threat detection solutions. The survey results indicate a commitment to leveraging AI for business transformation, but the complexity of integrating AI into existing workflows remains a significant hurdle.The surge in demand for RAM, driven by the AI industry, has led to a 500% increase in memory prices, creating a shortage of consumer-grade memory. This situation mirrors previous GPU shortages and indicates that high-performance computing components are now subject to the purchasing power of major AI companies. MSPs must prepare for ongoing volatility in hardware costs and communicate these changes to clients, adjusting budgets and refresh cycles accordingly. The evolving landscape emphasizes the need for MSPs to adopt a structured approach to AI, ensuring they are not merely adding tools but effectively transforming their service offerings. Four things to know today00:00 AWS Expands Full-Stack AI Strategy From Chips to Private Regions, Raising Governance and Lock-In Stakes for MSPs07:38 Reports of AI Sales Friction at Microsoft Highlight Market Hesitation and Open the Door for MSP Readiness Services09:28 Survey Shows AI Adoption Surging Among MSPs, Yet Cost, Expertise, and Security Pressures Undercut True Transformation11:51 AI-Driven RAM Shortage Forces MSPs to Reforecast Budgets as Prices Spike 500%This is the Business of Tech.    Supported by:  https://mailprotector.com/mspradio/

Comparing prices from 2020 to 2025, having your girlfriend shooting an NBA 3 pointer and if she misses you die, the real 2014 sexiest woman alive, who bald Zach most looks like, and more!----------0:00 PRICES IN 2000 VS NOW!3:44 CALL OF DUTY BLACK OPS 2 GIVEAWAY!7:20 HOW MANY OF THESE DID YOU DO AS A KID?12:27 GIRLFRIEND 3 POINTER OR DEATH!16:38 ONLY WOMAN TO WIN SEXIEST WOMAN!19:47 FLORIDA HEADLINES REAL OR FAKE?23:48 MYTHS WE THOUGHT WERE TRUE!27:19 BRIAN'S MONOLOGUE!29:12 WHO DOES BALD ZACH LOOK MOST LIKE?32:47 FACEBOOK PAGE FOR ANTS!36:29 CAN YOU NAME 10 NEIGHBORHOODS IN NYC?38:55 THANK YOU AND MEMBER SHOUTOUTS!

Your 60-second money minute. Today's topic: Toy Prices Soar Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

12/4/2025 PODCAST Episode #3119 GUESTS: Rep. Rob Wittman+ YOUR CALLS! at 1-888-480-JOHN (5646) and GETTR Live! @jfradioshow #GodzillaOfTruth #TruckingTheTruth

Dear Snoozecast listener—hi, it's Vee. I wanted to speak directly to you, because many of you have reached out over the past few weeks—some checking in, some offering kind words, and some understandably worried that something was wrong. First, I want to say: we're okay. And second: we're so sorry that we haven't communicated anything sooner. When N and I slipped into this pause a little over a month ago, it wasn't planned. Life simply caught up with us, and we thought we'd be able to jump right back in. Instead, we realized that—for the first time in nearly seven years of Snoozecast—we needed a real break to reset ourselves and catch up behind the scenes. Now that we've stepped back, it's clear that the best thing for the show, and for us, is to continue this pause through the end of December. We'll be using this time to get organized so that when we return in January, we'll be in a healthier rhythm to keep Snoozecast going strong. A Note for Our Premium Listeners We also want to briefly address our Snoozecast+ and Snoozecast+ Deluxe subscribers. First, thank you—for your support, your patience, and your understanding during this unexpected pause. Premium has never been about profit; it simply helps us cover the costs of providing an ad-free version of the show. During this break, we realized that having two different premium tiers has made production more complicated than it needs to be. So beginning in January, we'll be moving to one unified premium option: Snoozecast+. Here's the short version: All current Plus and Deluxe subscribers will automatically transition into the new Snoozecast+. Prices are not increasing—and Deluxe pricing will be coming down to match Snoozecast+. No action is required on your part for this transition. Previous Deluxe-only episodes will still be available, although we won't be producing new monthly Deluxe episodes moving forward. And for any questions about billing—especially for annual Deluxe subscribers—we'll send a detailed email once we finalize the technical steps with our premium subscription vendor, Supporting Cast. That email should arrive by early January. And finally: if you choose to cancel your Snoozecast+ subscription—we completely understand. We'll always be here for you on our freely available public feed. We started Snoozecast in 2019 with a single microphone in our closet and no idea whether anyone would listen. Seven years and a thousand episodes later, we're still here because of you—your messages, your stories, your kindness, and the trust you place in us every night. This pause is our chance to make sure the show can continue into the future without burning out behind the scenes. And we're genuinely excited to return refreshed, steady, and ready to bring you more stories in the new year. Thank you—truly—for your patience, your support, and your understanding. We'll talk again in January. Until then, we wish you rest, comfort, and warmth through the end of the year. —Vee and all of us at Snoozecast Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael Nadeau called the top before the 10/10 crash. In this episode, he sits down with Ryan to explain why. They break down the onchain data that flipped him risk off, Bitcoin's decisive break below the 50-week moving average, and why global liquidity and rate cuts may not rescue this cycle. Michael shares the price zones where Bitcoin becomes compelling again, how long-term holder behavior maps to past tops, and the framework he's using to build a high conviction watch list for the next bull. Michael Nadeau & The DeFi Report: https://x.com/JustDeauIt https://thedefireport.io/ ------

On episode 200 of Ask The Compound, Ben Carlson and Duncan Hill are joined by Ritholtz CFO and ATC legend Bill Sweet to discuss: housing prices in 2026, retirement tax strategies, Gen Z loves Roth, renting during retirement, trading in the military and more. Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Compound Insider. Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

As the CEO of Art Basel, Noah Horowitz has made it his mission to ensure that the international art platform is seen, valued, and experienced—far beyond its art-fair roots—as a cultural catalyst and “opportunity accelerator.” Over the past 55 years, beginning with its tight-knit origins in Basel, Switzerland, in 1970, Art Basel has evolved into an international juggernaut, with best-in-class fairs also in Miami Beach, Hong Kong, and Paris—and soon, under Horowitz's leadership, Qatar, with an edition debuting there in February 2026. With more than two decades of experience, and as a tireless advocate and enthusiast for all things art, from artists and galleries to collectors and institutions, Horowitz is exactly the right person for the job.On this episode of Time Sensitive, Horowitz details his ambitious agenda to stretch Art Basel's reach into realms far beyond what would traditionally be considered the art world; shares his long-view perspective on the economics of art; and considers the centuries-old history that, in a roundabout way, helped lead to—and continues to inform and shape—today's art market.Show notes: [05:13] Art Basel Paris[05:13] Art Basel Qatar[05:13] Art Basel Miami Beach[05:13] Art Basel Hong Kong[07:54] Frida Escobedo[10:41] The Art Basel and UBS 2025 Survey of Global Collecting[10:41] Art Basel Awards[21:27] Rei Naito[23:51] Art of the Deal: Contemporary Art in a Global Financial Market (2011)[27:42] Rirkrit Tiravanija[41:18] High Art Lite: The Rise and Fall of Young British Art (2020)[32:42] KAWS[39:04] Princeton Record Exchange[42:18] Frieze[42:52] Hans Ulrich Obrist[42:52] Okwui Enwezor[45:00] Rem Koolhaas[45:57] Kirk Varnedoe[45:57] Pictures of Nothing: Abstract Art Since Pollock (2006)[50:05] Talking Prices: Symbolic Meanings of Prices on the Market for Contemporary Art (2005)[51:49] Clare McAndrew[54:42] The Experience Economy (2019)[58:43] Vincenzo de Bellis[1:03:04] Pérez Art Museum

Why are school photos so outrageously overpriced? The team breaks down the picture-day pricing racket—and shares their own school photos for everyone to enjoy (find them on our Instagram). Then we dive into the SFO processed foods lawsuit and a rare moment of agreement in Washington as both Republicans and Democrats align on food policy. A fun, revealing, and surprisingly bipartisan episode.See omnystudio.com/listener for privacy information.

MDJ Script/ Top Stories for December 3rd Publish Date:  December 3rd Commercial: From the BG Ad Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Wednesday, December 3rd and Happy Birthday to Andy Williams I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal Four Cobb schools earn STEAM/STEM certifications Meet Michael McNeely, Mableton’s newest councilman Gas prices dip following Thanksgiving, predicted to stay down through holidays All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: INGLES 3 STORY 1: Four Cobb schools earn STEAM/STEM certifications Cobb Schools are buzzing with opportunities for students to dive into STEM and STEAM—science, technology, engineering, arts, and math. And now, four more schools have joined the ranks of those earning certifications in these fields. South Cobb Early Learning Center and Ford Elementary snagged STEAM certifications, while Betty Gray Middle and Walton High earned STEM honors. “It’s been a joyful, messy journey,” said Marilyn Thomas, director of South Cobb Early Learning Center. “Our kids, teachers, and families all came together—building, experimenting, creating art. It’s hands-on learning at its best.” With over 50 certified schools, Cobb’s commitment to innovation is clear. Just ask the students at Tritt Elementary, who recently celebrated Girl-Powered Robotics Day. STORY 2: Meet Michael McNeely, Mableton’s newest councilman Michael McNeely, newly elected to Mableton’s City Council, is all about service—clear, honest, and hands-on. “I’d rather over-communicate than leave people guessing,” he says. McNeely, who moved to Mableton in 2019, has a long history of giving back. From his days as an Eagle Scout to serving in the Army National Guard and working in public safety for over two decades, he’s built a life around helping others. “It’s in my blood,” he says. Now, as District 2’s councilman, he’s focused on smart redevelopment, public safety, and creating spaces that bring the community together. Think parks, sidewalks, and maybe even a new community center. “We’ve got work to do,” McNeely says, “but Mableton’s got the people and the heart to make it happen.” STORY 3: Gas prices dip following Thanksgiving, predicted to stay down through holidays  Georgia drivers are catching a break at the pump—finally. After the Thanksgiving travel rush, gas prices have dipped, with the state average sitting at $2.82 per gallon as of Monday, according to AAA. That’s about $42 to fill up a 15-gallon tank. Prices are 5 cents lower than last week but still 2 cents higher than last month. And if you’re in Cobb County? You’re paying a bit more—$2.89 per gallon. The priciest spots? Savannah ($2.88), Atlanta ($2.86), and Macon ($2.85). Meanwhile, Dalton drivers are smiling at $2.68. Nationally, gas has dropped to $3, the lowest since May 2021, thanks to low crude oil prices and sluggish demand. AAA predicts prices could stay low through the holidays. For EV drivers, no changes—public charging still averages 38 cents per kilowatt hour. Want to save? AAA suggests fuel rewards programs, paying cash (some stations charge more for credit), and driving smarter. We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  We’ll be right back. Break: INGLES 3 STORY 4: Cobb fraternal organization recognized as best in Georgia The Omicron Mu Lambda Chapter of Alpha Phi Alpha Fraternity, better known as the Cobb County Alphas, just snagged a huge honor—Alumni Chapter of the Year—at the Alpha Georgia District Association Convention in Augusta. Why? Their leadership, community impact, and dedication to the fraternity’s mission stood out among 25 chapters across Georgia. “This award is a testament to the passion and hard work of every member,” said Chapter President Harold G. Dickerson. One standout initiative? The Youth to Men mentoring program, where 70 Cobb high schoolers meet bi-monthly to learn life skills and give back to the community. “We’re shaping greatness,” said Steven Boyd, Callis Foundation Chair. For more, visit CobbAlphas.org. STORY 5: AirTag leads police to Chick-fil-A theft suspect  Richard George Cintron, 47, of Dallas, is facing charges after allegedly swiping three Rubbermaid utility trash carts and an Apple AirTag—worth $1,545 total—from the Chick-fil-A on Barrett Parkway in Kennesaw. According to police, Cintron was caught on surveillance cameras, along with his personal vehicles, during the thefts on Sept. 14 and 28. The AirTag? It led officers straight to his home, where Paulding County deputies found the stolen items near his truck. Cintron was arrested Nov. 19 and charged with theft by taking over $1,500. He spent less than 12 hours in jail, released on Nov. 20 after posting a $5,000 bond. Break: STORY 6: Strand Theatre's Andy Gaines wins Governor’s Award    Gov. Brian Kemp and first lady Marty Kemp announced Monday that Andy Gaines, executive director of the Strand Theatre, is one of this year’s recipients of the Governor’s Awards for the Arts and Humanities. The awards, presented with Georgia Council for the Arts and Georgia Humanities, honor 10 individuals or organizations making a real difference in Georgia’s cultural landscape. “Georgia’s arts and entertainment scene has fueled our economy for decades,” Kemp said. “These honorees have left a lasting mark on their communities and our state.” Under Gaines’ leadership, the Strand generated $5.4 million in economic impact last year, supported 80+ jobs, and contributed $230,000 in government revenue. Recipients will receive a handmade mahogany sculpture by Fairburn artist Etienné Jackson. STORY 7: Mount Paran Christian School collects over 10,000 diapers for Bartow Family Resources  Mount Paran Christian School’s high school BETA Club and National Honor Society recently rallied their community for a cause that hits close to home—helping local parents in need. Through their annual Fall Diaper Drive, students encouraged families to donate diapers and wipes for Bartow Family Resources, a nonprofit in Cartersville that supports parents and babies. Flyers went up, announcements were made, and the response? Incredible. Over 10,640 diapers and 1,180 wipes poured in, stacking up at the school’s doors. Student NHS officers counted, sorted, and loaded the donations, ready for Bartow Family Resources to distribute essentials like diapers, formula, and clothing to families who need them most. We’ll have closing comments after this. Break: INGLES 3 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com See omnystudio.com/listener for privacy information.

Looking to join an interesting monthly live coffee industry online meetup? - Exclusively for "Roasted Coffee" Patreon backers. https://www.patreon.com/mapitforward••••••••••••••••••••••••••••••••This is episode three of a 5-part podcast series on The Daily Coffee Pro Podcast by Map It Forward, hosted by Lee Safar and featuring returning guest Carley Garner.Carley is a commodity broker and the founder of US-based commodity brokerage firm, DeCarley Trading.In this series, Lee and Carley discuss the coffee futures market in 2025 and 2026.No information in this series is financial advice and trading comes at the risk of losing money.The five episodes of this series are:1. 2025 Has Been An Unusual Year in Coffee Futures - https://youtu.be/fuyIL1PJjN82. The Forces That Moved Coffee Futures in 2025 - https://youtu.be/7-I7iduViAQ3. Taking Advantages of High Coffee Prices Outside the Cash Market - https://youtu.be/djwdbraAi2w4. Speculators Are Important To The Coffee Futures Market - https://youtu.be/K_Z6lny-wsI5. Coffee Futures Markets in 2026 - https://youtu.be/TG_TUCwi7eAIn this episode of the podcast series, Lee and Carley explore hedging strategies for coffee producers to manage risk in the volatile coffee market of 2025 and 2026. They discuss the use of options as a tool for both producers and roasters to navigate market fluctuations, emphasizing the importance of not being fully in or out of hedging. Carly offers detailed insights into the costs and complexities of hedging, and practical examples for producers looking to protect themselves from market downturns. Join the next episode to learn about the role of speculators in the coffee market.Connect with Carley and DeCarley Trading at:https://www.decarleytrading.comhttps://www.linkedin.com/in/carleygarner/https://www.instagram.com/decarleytrading/https://decarleytrading.substack.com/https://www.decarleytrading.com/learn-to-trade-commodities ‍••••••••••••••••••••••••••••••••Connect with Map It Forward here: Website | Instagram | Mailing list

Central bank communication now holds as much significance as central bank action. A single clause in a press conference can move markets more than a 25-basis-point adjustment. Watch #ThePrintEconomix by Bidisha Bhattacharya.----more----To read full report: https://theprint.in/opinion/economix/federal-reserve-chief-statement-us-rate-cuts-gold-prices/2795928/

This show dismantles Trump's affordability denial, exposes capitalism's exploitative design, and highlights a TikTok creator's powerful explanation of real social democracy.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Did Zillow really offer Compass up to $1.6 BILLION a year if they'd let Zillow help "double-end" pre-marketed listings? In Episode 343 of tWiRE, we break down Robert Reffkin's viral post, what that alleged offer actually was, and what it says about portals, power, and who really controls the consumer relationship in today's real estate market. Then we zoom out to everything shaking the 2025 housing market this week: Zillow quietly scrubbing climate-risk scores from listings, new pushes for referral-fee transparency, and fresh affordability data showing just how hard it is to rent or buy on a normal income. In this episode, we cover: Compass vs. Zillow Reffkin's claim that Zillow dangled a $1.3–$1.6B "revenue uplift" if Compass let the portal route every buyer to a Compass buyer's agent on pre-marketed listings. Why Compass says it walked away, what this means for double-ending deals, and how real estate agents should talk about this with their own buyers and sellers. Zillow pulls climate data Why climate-risk scores vanished from listings. MLS complaints about accuracy versus buyers' right to know about flood, fire, and heat risk. What this change means for consumer trust, disclosure, and liability going forward. Referral fees and fine print  How the California Association of Realtors is rewriting forms to spotlight referral fees after NAR's failed vote. Why big brokerages are rolling out their own enhanced referral-fee disclosures anyway, and what smart agents should be doing now. Affordability crisis check-in New numbers showing the typical retail worker earns tens of thousands less than they need to afford the typical apartment. A construction labor crunch that is driving up costs, slowing new-home delivery, and deepening the housing affordability crisis. How labor, regulation, and rent burdens are colliding to keep housing out of reach for many renters and first-time buyers. Prices, new construction, and buyer regret Zillow data showing record-level price cuts and what that really means for sellers who still want "spring 2022 money." New-construction's price premium dropping to a record-low 10.2% and why builders are suddenly some of the most motivated sellers in the market. Buyer's remorse falling sharply as days on market stretch, contingencies come back, and buyers get more time to think. Contracts, cancellations, and mortgage rates About 15% of October home-purchase contracts falling through and where cancellations are clustering. Mortgage rates finally ticking lower, why demand barely moved, and what to watch as markets react to the next round of economic news. Whether you're an agent, buyer, seller, or real estate investor, this episode is all about power and pressure in today's market: who controls the listings, who controls the fees, and who is getting squeezed on the ground. 

Have you noticed how the Australian property market keeps defying the pessimists? Every time someone says prices have to fall, the market seems to tap them on the shoulder and say, "Not so fast."   Well, the latest November home price report is out, and it paints a very clear picture: Australia's housing markets are still running hot - and in some cities, they're running very hot.   According to the latest data from My Housing Market, national house prices have risen for nine consecutive months, with the November quarter alone delivering another solid 1.3 percent jump.   But averages never tell the full story.   I'm joined today by Dr Andrew Wilson to discuss his November report which doesn't just highlight what's happening now - it hints at what's coming next. And his view is that 2025 could deliver even stronger price growth than 2023 and 2024.   Takeaways  ·         2025 is shaping up to be a strong year for property investors. ·         Despite affordability challenges, the housing market continues to thrive. ·         First home buyer schemes are expected to significantly impact the market. ·         Brisbane has seen substantial price increases, outperforming other regions. ·         The national home price has shown consistent growth across capital cities. ·         Imposter syndrome is common among successful investors and entrepreneurs. ·         Strategic investment is crucial in navigating the property market. ·         Market predictions can often be misleading; long-term fundamentals matter. ·         The unit market is experiencing a resurgence, particularly in Melbourne. ·         2026 is expected to bring steady growth, but not as strong as 2025.   Chapters    00:00  Prices rise for the ninth month as housing markets outperform the pessimists. 02:08  Capital cities log another strong month despite affordability pressures. 03:20  Quarterly method shows November softer than October but still robust. 05:18  Near-10% annual growth and first-home-buyer surge set to push prices higher. 07:20  Brisbane, Perth, Adelaide and Darwin dominate with standout annual gains. 12:53  Outlook: momentum continues into 2026, though growth should moderate.   Links and Resources:   Answer this week's trivia question here- www.PropertyTrivia.com.au ·        Win a hard copy of Michael Yardney's How to Grow a Multi-Million Dollar Property Portfolio in Your Spare Time.  Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us     Michael Yardney – Subscribe to my Property Update newsletter here       Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

l calendario dell'Avvento | Spendieren Sie einen Cafè (1€)? Donate a coffee (1€)? https://ko-fi.com/italiano Livello A2#christmas #advent #calendarioStoria e tradizioni del Calendario dell'AvventoBuongiorno cari amici e amanti dell'italiano e benvenuti al nuovo episodio di Tulip.Si avvicina il Natale e oggi voglio parlarvi del calendario dell'Avvento.Sicuramente avete già aperto le prime finestrelle perché il Calendario dell'Avvento è una tradizione molto sentitain Germania e i calendari più usati hanno all'interno dei cioccolatini.Quando questa usanza è cominciata però non si chiamava “calendario” ma “ausilio per il conteggio” cioè un aiutoper contare i giorni che mancavano al Natale. Nelle famiglie protestanti si appendeva ogni giorno un quadro diNatale oppure all'inizio dell'Avvento si tracciava una linea per ogni giorno sul muro o sulla porta di casa e obambini potevano cancellare questo segno fatto con il gesso ogni giorno e vedevano quanto tempo mancava al Natale.  ...To enjoy a nice online advent calendar, go to https://app.myadvent.net/calendar?id=409uq3b35l65bwjqs40vo449u4pla97y...- The full transcript of this Episode (and excercises for many of the grammar episodes) is available via "Luisa's learn Italian Premium", Premium is no subscription and does not incur any recurring fees. You can just shop for the materials you need or want and shop per piece. Prices start at 0.20 Cent (i. e. Eurocent). - das komplette Transcript / die Show-Notes zu allen Episoden (und Übungen zu vielen der Grammatik Episoden) sind über Luisa's Podcast Premium verfügbar. Den Shop mit allen Materialien zum Podcast finden Sie unterhttps://premium.il-tedesco.itLuisa's Podcast Premium ist kein Abo - sie erhalten das jeweilige Transscript/die Shownotes sowie zu den Grammatik Episoden Übungen die Sie "pro Stück" bezahlen (ab 20ct). https://premium.il-tedesco.itMehr info unter www.il-tedesco.it bzw. https://www.il-tedesco.it/premiumMore information on www.il-tedesco.it or via my shop https://www.il-tedesco.it/premium

In this conversation with Congressman Josh Brecheen we discuss a range of topics including what progress (if any) we might be seeing on healthcare reform. More government subsidies? Or a massive shift in the entire industry?  Of course, we drill down on SNAP benefits. Brecheen has been vocal about the need for work requirements for a while, and it looks like there is a real opportunity post-government shutdown to make real reform happen.  Then, we dig into the effort to end chemical abortion via greater regualtion of the drug mifepristone.  Find out what Biden did that resulted in a surge of chemical abortions and how we must correct this.  Finally, a look at cattle prices and how to protect our vital cattle industry in America.  Will mandatory country of origin labeling fix it or does it require a strong focus on strict price reduction at the grocery store.  Tune in to hear Congressman Brecheen's take on it!     And check out my amazing sponsors!    Motus Health - This is where my wife and go for a reason!  They offer the best in chiropractic care and true functional medicine.   They are currently helping people who may be suffering with: Neuropathy Frozen shoulder Degenerated & Herniated Discs TMJ & jaw pain Weight Loss Autoimmune Disorders Gut Health Fibromyalgia Headaches & Migraines Trigeminal Neuralgia Knee Pain And more!! https://motushealth.com Michael Mcguire with McGuire Capitol We pride ourselves on providing retirement income strategies to Bethany, OK and the surrounding communities. We take a look at your assets — including everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more Our end goal is to help create financial clarity and to promote multi-generational wealth. We offer: Insurance planning Beneficiary review Retirement planning Financial needs analysis Analysis of present and future expenses Income planning  https://mcguirecap.com   Stevens Trucking Stevens Trucking maintains over 350 power units in our fleet so we ensure our customers and drivers always have top of the line equipment With over 1,600 trailers, we are able to offer a drop-and-hook solution to keep your freight moving quickly and secure. While also helping our drivers get extra miles so they can keep on pullin' more loads. https://stevenstrucking.com                  

Looking to join an interesting monthly live coffee industry online meetup? - Exclusively for "Roasted Coffee" Patreon backers. https://www.patreon.com/mapitforward••••••••••••••••••••••••••••••••This is episode three of a 5-part podcast series on The Daily Coffee Pro Podcast by Map It Forward, hosted by Lee Safar and featuring returning guest Carley Garner.Carley is a commodity broker and the founder of US-based commodity brokerage firm, DeCarley Trading.In this series, Lee and Carley discuss the coffee futures market in 2025 and 2026.No information in this series is financial advice and trading comes at the risk of losing money.The five episodes of this series are:1. 2025 Has Been An Unusual Year in Coffee Futures - https://youtu.be/fuyIL1PJjN82. The Forces That Moved Coffee Futures in 2025 - https://youtu.be/7-I7iduViAQ3. Taking Advantages of High Coffee Prices Outside the Cash Market - https://youtu.be/djwdbraAi2w4. Speculators Are Important To The Coffee Futures Market - https://youtu.be/K_Z6lny-wsI5. Coffee Futures Markets in 2026 - https://youtu.be/TG_TUCwi7eAIn this episode of the podcast series, Lee and Carley explore hedging strategies for coffee producers to manage risk in the volatile coffee market of 2025 and 2026. They discuss the use of options as a tool for both producers and roasters to navigate market fluctuations, emphasizing the importance of not being fully in or out of hedging. Carly offers detailed insights into the costs and complexities of hedging, and practical examples for producers looking to protect themselves from market downturns. Join the next episode to learn about the role of speculators in the coffee market.Connect with Carley and DeCarley Trading at:https://www.decarleytrading.comhttps://www.linkedin.com/in/carleygarner/https://www.instagram.com/decarleytrading/https://decarleytrading.substack.com/https://www.decarleytrading.com/learn-to-trade-commodities••••••••••••••••••••••••••••••••Connect with Map It Forward here: Website | Instagram | Mailing list

Thank you Marg KJ, Greg Owens, Cris Waddell, B. Warren, and many others for tuning into my live video! Join me for my next live video in the app.* As Prices Soar, Trump Denounces ‘Affordability' as ‘Democrat Scam': “The president is trying to gaslight Americans into believing that everything is fine.” [More]* Why Universal Prosperity Is Impossible Under Capitalism's Expl… To hear more, visit egberto.substack.com

Why haven't butter prices dropped as global prices fall? Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

The news to know for Tuesday, December 2, 2025! We'll tell you about the meeting President Trump held with top officials in the face of growing questions about his military buildup — and one controversial decision in particular. Also, where the third winter storm in just one week is hitting the U.S. this time. Plus: new rules coming for anyone without a Real ID, a bad day for Bitcoin — raising fears of another "crypto winter," and what to know about travel discounts and the need for giving on the Tuesday after Thanksgiving. Those stories and even more news to know in about 10 minutes!    Join us every Mon-Fri for more daily news roundups!  See sources: https://www.theNewsWorthy.com/shownotes Become an INSIDER to get AD-FREE episodes here: https://www.theNewsWorthy.com/insider Get The NewsWorthy MERCH here: https://thenewsworthy.dashery.com/ Sponsors: Find gifts so good you'll want to keep them with Quince. Go to Quince.com/newsworthy for free shipping on your order and 365-day returns. Ready to give your liver the support it deserves? Head to dosedaily.co/newsworthy or enter NEWSWORTHY to get 35% off your first subscription. To advertise on our podcast, please reach out to ad-sales@libsyn.com

On this episode of The Lonely Island & Seth Meyers Podcast, the guys discuss “The Other Man” from Season 35, Episode 19, starring Ryan Phillippe. Plus, Andy and Akiva's response to last week's video episode, Jorm's thoughts on a new MacGruber on SNL, and the return of Mondo Butts! The Other Man | https://www.dailymotion.com/video/x2xu0tn Four Seasons Trailer | https://www.youtube.com/watch?v=WKTwtIL4xyk MacGruber: Epstein Files | https://www.youtube.com/watch?v=lHpa62eTUTg I Can't Get Over How Andy Samberg And The Lonely Island Inspired An Epic Scene In Netflix's House Of Guinness | https://www.cinemablend.com/streaming-news/how-andy-samberg-and-lonely-island-inspired-epic-scene-netflix-house-of-guinness The Other Man Trailer | https://www.youtube.com/watch?v=0Eux285RUUI Arco Trailer | https://www.youtube.com/watch?v=zOUVn3J7U1E Send us an email: thelonelyislandpod@gmail.com Send us a voice note: https://www.speakpipe.com/thelonelyisland Send us stuff: P.O. Box 4024 New York, NY 10185 Photos and everything else can be found by following us on Instagram @lonelymeyerspod Support our sponsors: Fabric Join the thousands of parents who trust Fabric to help protect their family. Apply today in just minutes at meet.fabric.com/island. Policies issued by Western-Southern Life Assurance Company. Not available in certain states. Prices subject to underwriting and health questions. Vuori Get 20% off your FIRST purchase. Get yourself some of the most comfortable and versatile clothing on the planet at vuori.com/ISLAND Aura Frames Exclusive $35 off Carver Mat at https://on.auraframes.com/ISLAND. Promo Code ISLAND Coop Upgrade your sleep Visit coopsleepgoods.com/ISLAND to get 20% off your first order. Thatʼs C-O-O-P sleep goods dot com slash ISLAND. Cash App Download Cash App Today: #CashAppPod Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See terms and conditions at cash.app/legal/us/en-us/card-agreement. Promotions provided by Cash App, a Block, Inc. brand. Visit cash.app/legal/podcast for full disclosures. Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics We Cover: 00:00 – New data from Harvard/Mass General may classify nearly 70% of adults as having obesity 03:00 – A new oral triple agonist shows record-setting absorption rates 07:00 – Fractal Health's Revita procedure: weight maintenance after stopping GLP-1s 12:00 – Zepbound vial prices drop (full breakdown by dose) 16:00 – Dave's personal experience switching off Mounjaro and intense hunger return 22:00 – Novo Nordisk's EVOKE/EVOKE+ Alzheimer's trial: what the data really means 29:00 – Why GLP-1 neurological research is just getting started 33:00 – Updates on access, partners, and major news coming soon for Medicare patients If you're on Wegovy, Mounjaro, Zepbound, Saxenda, Trulicity, or compounded versions, this episode gives you the insight and context you need to have more competent and confident conversations with your doctor. Bullet Point Summary of the Podcast Episode New Obesity Measurement Data (Harvard/Mass General Study) Harvard and Mass General propose adding waist circumference to BMI to better diagnose obesity. Traditional BMI misses key factors like muscle mass and body composition. Using the updated measure, Americans classified as obese jumps from ~43% to almost 69%. This means 7 out of 10 U.S. adults would now qualify as having the disease of obesity. Dave notes this validates many people who “feel” metabolically unwell despite a “normal” BMI. Reinforces his claim that “most people should be talking to their doctors about GLP-1s.” New Oral Triple Agonist (Ascletis – ASC41/ASC? Molecule) From Ascletis (A-S-C-L-E-T-I-S), developing an oral triple agonist targeting: GLP-1 GIP Glucagon Similar in mechanism to retatrutide, expected around 2027. Preclinical (animal) data show stunning results: Oral bioavailability of 4.2% 9× higher than tirzepatide 30× higher than oral semaglutide 6× higher than oral retatrutide 57× greater drug exposure than oral retatrutide Half-life ~56 hours Stronger receptor activation than retatrutide in vitro Suggests potential for the first powerful oral triple agonist—worth watching. ️ 3. Discussion of the Gray Market / TikTok Experience Dave briefly recounts losing his TikTok account and landing in an algorithm filled with teenagers promoting gray-market “retatrutide.” Expresses concern over unregulated peptide sales, especially to minors. Fractal Health's New Data – Weight Maintenance After Stopping GLP-1s New results from the Reveal One study (Fractal Health). Participants: lost 24% of body weight on GLP-1s → stopped injections → got one Revita procedure. At 6 months post-GLP-1 discontinuation: Weight changed only 1.5% (vs. ~10% regain in typical off-drug trials) HbA1c barely shifted Safety profile clean Suggests possible long-term weight maintenance without injections through gut mucosal re-lining. Dave describes his own recent attempt to switch drugs and significant hunger return. Food Noise & Biologic Hunger Dave discusses how stopping Mounjaro caused terrifying, primal hunger. Describes the distinction between: Food noise (brain-based thoughts) Hunger signals (biological/animalistic) Reinforces why many patients cannot maintain weight loss without support. Zepbound (Tirzepatide) Cash-Pay Price Reductions Eli Lilly drops cash-pay vial pricing: 2.5 mg: $349 → $299 5 mg: $499 → $399 7.5–15 mg: $499 → $449 Community feedback (informal poll): Most say still too high to leave compounded versions. Many would switch to branded if price hit $200–$300. Dave notes the Most Favored Nations agreement will push GLP-1 prices toward $250/month within 24 months. Alzheimer's Study (Novo Nordisk – EVOKE & EVOKE+) Oral semaglutide (Rybelsus, 14 mg) did not slow Alzheimer's clinical progression. Biomarkers improved but daily function and cognitive decline did not improve vs placebo. Important context: Oral Rybelsus is a weak form of semaglutide; stronger versions (like Wegovy 2.4 mg or upcoming high-dose oral Wegovy) not tested. Weight loss is not desirable in Alzheimer's patients, influencing drug selection. Dave emphasizes: This was a nearly $700M trial and an act of scientific courage. This is NOT the end of GLP-1 Alzheimer's research. Future molecules may target neurological pathways without suppressing appetite. Mentions Lilly's brenipatide, a GIP receptor agonist being developed for: Addiction Opioid dependency Possibly asthma ️ 8. Access, Cost, and Patient Empowerment Highlights Shed as a partner offering telehealth GLP-1 access. Notes many patients hide GLP-1 use from their primary care doctors. Reinforces OTP's mission: better, more honest conversations with clinicians. Shapa (Numberless Scale) & Dave's Personal Update Dave explains how the Shapa numberless scale helped him stay engaged during weight fluctuations. Finds stepping on “zones” (green/gray/blue) less emotionally damaging than numbers. Closing Notes Promises upcoming Eli Lilly savings card update. Encourages subscribing, liking, and enabling notifications for algorithm visibility. Thanks OTP community for amplifying patient-centric obesity medicine news. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you realized how much a pizza costs nowadays?

On Fox Across America, Todd Piro guest hosts as Jimmy is still recovering from all the Thanksgiving Turkey he ate. Former Trump 2024 Campaign Deputy Comms Director Caroline Sunshine stops by to discuss immigration. Todd's dinner buddy Jon Levy joins the show to discuss what makes a person a great leader ahead of the Midterms. Speaking of elections, Fox News Overnight Anchor and News Correspondent Ashley Strohmier is back on the show to break down Tennessee's upcoming special election. She also shares what she's been baking. America's Accountant Dan Geltrude weighs in on the US economy and home prices. PLUS author and Todd's first boss Elaine Peake makes her FAA debut to tell us about her book “The Kaboom Boys”.   [00:00:00] Are Prices Higher or Lower Since Trump Took office? [00:20:35] Caroline Sunshine [00:39:15] Jon Levy [00:58:50] Ashley Strohmier [01:16:07] Dan Geltrude [01:34:20] Elaine Peake Learn more about your ad choices. Visit podcastchoices.com/adchoices

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureCanada just folded and is now doing what Trump wants in regards to steel and aluminum, Trump has all the leverage. The Dept of Labor confirms that Americans were being replaced in the work field. Trump is set to push homeownership thru the roof with a  50 year mortgage. Trump has the solution to the affordability crisis that the [CB] created, get rid of the [CB]. Trump is dismantling the [DS] world wide. The criminal syndicate was setup in many countries to make it virtually impossible to dismantle. But it is being done through peace through strength. The [DS] system is being strangled and soon those who have been held captive will be removed or come to heel. Trump is now setting the stage to bring the [DS] to justice. He has now voided out 92% of Biden orders, which means judges, other nominees will be removed. Justice is coming and the [DS] players are panicking. Economy Interesting Development – Canadian Prime Minister Mark Carney Announces New Limits on Foreign Steel and Aluminum, With New 25% Tariff on Steel Derivative Components   Prime Minister Mark Carney is conceding defeat to President Trump and positioning the Canadian economy to be compliant with U.S-Mexico trade regulations. However, Carney is not saying that, indeed he cannot; he's spent over a year telling Canadians that President Trump's trade and economic demands are not going to be accepted by Canada.  However, what he is factually doing is exactly what President Trump has demanded. Prime Minister Carney is saying he is restricting Steel and Aluminum imports from non-free trade agreement countries, and he is lowering the tonnage of Steel and Aluminum that will be permitted for import.  His claim is that this approach will help drive up “domestic demand” for Canadian Steel and Aluminum, but that's ancillary to the real objective. President Trump has demanded Canada stop importing cheap steel and aluminum mostly from China; including manufactured component goods that are made with steel and aluminum (think autos).  Canada would not stop, because they could not stop.  Their manufacturing base, green energy and climate change economy, is more of a component assembly system now. So, President Trump hit Canada with a 35% tariff, and things got ugly.  In June Trump raised the tariff to 50%. The back and forth has gone on all year. Carney now announces restrictions on imported steel and aluminum, as well as restrictions on imported derivative goods that come from steel and aluminum, in combination with a spending plan to bolster the Canadian steel and aluminum manufacturing base.  This ends up shifting the Canadian industrial sector to making steel and aluminum products without Chinese import dependency. Source: theconservativetreehouse.com https://twitter.com/USDOL/status/1994841467345670569?s=20 https://twitter.com/unusual_whales/status/1994556411439976468?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/1994918010197278811?s=20 https://twitter.com/SecScottBessent/status/1994478437042438573?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1994478437042438573%7Ctwgr%5Ee930cbbc1182e7871f84fda0a85e43c6c0f2ca9c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F11%2Ftreasury-working-cut-benefits-money-transfers-illegal-aliens%2F   are no longer available to illegal and other non-qualified aliens, covering the Earned Income Tax Credit, the Additional Child Tax Credit, the American Opportunity Tax Credit, and the Saver's Match Credit. https://twitter.com/unusual_whales/status/1994064168115478599?s=20 https://twitter.com/unusual_whales/status/1994844057110262116?s=20   Prices and Taxes are DOWN. Education is being brought back to the States (where it belongs!), and our Military, and Southern Border, is the strongest they have ever been. The USA is respected again, respected like never before. All of this was brought about by Strong Leadership and TARIFFS, without which we would be a poor and pathetic laughingstock again. Evil, American hating Forces are fighting us at the United States Supreme Court. Pray to God that our Nine Justices will show great wisdom, and do the right thing for America! Political/Rights https://twitter.com/amuse/status/1994796365461758352?s=20   public that illegal entry violates 8 U.S.C. §1325 and reentry after deportation violates §1326, a felony the left avoids acknowledging. He said 60–70% of illegal aliens arrested in immigration sweeps carry prior criminal or immigration histories. With DHS logging over 527,000 deportations in 2025, Trump's enforcement surge is targeting high-risk offenders. Bovino said the radical left simply ignores the law because it undermines their narrative. DOGE Trump White House Unleashes Media Bias Tracker to Crush Fake News Narratives  The Trump administration has launched a brand-new “Media Bias Tracker” directly on the White House website. Unveiled on Friday, this tool is designed to call out and document the endless stream of false, misleading, and biased stories peddled by outlets that have spent years attacking President Donald Trump and his agenda. According to the White House, the tracker serves as a “record of the media's false and misleading stories flagged by The White House.” The tracker highlights “offenses” from major news publications, including an “Offender Hall of Shame” and a leaderboard ranking the worst culprits in spreading misinformation. Described as “a race to the bottom,” this feature ranks outlets based on repeat offenses. Topping the Hall of Shame list is The Washington Post, followed by rebranded leftist mouthpieces like MSNBC (now MS NOW), CBS News, CNN, The New York Times, Politico, and The Wall Street Journal. In response to their top spot, a spokesperson for the Washington Post said, “The Washington Post is proud of its accurate, rigorous journalism.” The page also features a “Media Offender of the Week,” currently blasting outlets for exaggerating Trump's calls to hold Democrats accountable for their seditious behavior. Source: thegatewaypundit.com https://twitter.com/newstart_2024/status/1994506579660689812?s=20  entire Silicon Valley “tech wife mafia” and how they were used. Her exact words (full clip attached): “I don't think many of the tech mafia wives realize… they were used to set the groundwork for what Klaus Schwab calls The Great Reset. Their money especially was being conscripted through a network of NGO advisors, Hollywood, Davos, and their own companies. A really small group of people… completely blind to how their groundwork is being used to enable these Great Reset policies.” Then she turns the knife inward: “These women find their meaning through philanthropic work. I really believed I was helping Black communities and indigenous communities rise up. But now the problems have gotten worse. Crime worse. Mental health worse. The whole model is broken. At the end of the day they always go: ‘But climate change.' Social justice + climate change — it gets progressive women 100% of the time.” She even says many now believe the biggest “climate change issues” are actually geoengineering issues. This isn't some random podcast bro. This is a woman who lived in the mansions, sat on the boards, flew private to Davos parties… and is now saying: “We were the useful idiots.” Geopolitical https://twitter.com/elonmusk/status/1994936233878065399?s=20   with a legally possessed shotgun at a Florida shooting range, a British man was arrested, locked in a cell overnight, interrogated, and lectured that he “must understand how posts make people feel.” Police seized his computer and phone, wiping out his ability to work. Weeks later, all charges were quietly dropped because they were baseless from the start. Critics say the ordeal proves the UK has turned social media into a surveillance trap where innocent people are punished by process alone. https://twitter.com/amuse/status/1994781531244474604?s=20   terrorizing AfD. Antifa extremists descended on an AfD youth event in Giessen, attacking attendees and Bundestag member Julian Schmidt in a coordinated effort to intimidate the rising populist party. Germany has faced a wave of Antifa terror: doxxing AfD addresses, firebombing cars and threatening families. Mike Benz says Antifa is part of a transnational Marxist network weaponized since Trump's 2016 victory to shield globalist interests by attacking democratic populist movements across the West. Violence increases as AfD gains support. War/Peace   roads. His chief opponent is Rixi Moncada, who says Fidel Castro is her idol. Normally, the smart people of Honduras, would reject her, and elect Tito Asfura, but the Communists are trying to trick the people by running a third Candidate, Salvador Nasralla. Nasralla is no friend of Freedom. A borderline Communist, he helped Xiomara Castro by running as her Vice President. He won, and helped Castro win. Then he resigned, and is now pretending to be an anti-Communist only for the purposes of splitting Asfura's vote. The people of Honduras must not be tricked again. The only real friend of Freedom in Honduras is Tito Asfura. Tito and I can work together to fight the Narcocommunists, and bring needed aid to the people of Honduras. I cannot work with Moncada and the Communists, and Nasralla is not a reliable partner for Freedom, and cannot be trusted. I hope the people of Honduras vote for Freedom and Democracy, and elect Tito Asfura, President!   potential, of Honduras! Additionally, I will be granting a Full and Complete Pardon to Former President Juan Orlando Hernandez who has been, according to many people that I greatly respect, treated very harshly and unfairly. This cannot be allowed to happen, especially now, after Tito Asfura wins the Election, when Honduras will be on its way to Great Political and Financial Success. VOTE FOR TITO ASFURA FOR PRESIDENT, AND CONGRATULATIONS TO JUAN ORLANDO HERNANDEZ ON YOUR UPCOMING PARDON. Thank you for your attention to this matter. MAKE HONDURAS GREAT AGAIN! PRESIDENT DONALD J. TRUMP https://twitter.com/DataRepublican/status/1994907658021998933?s=20   a crisis. International law has no force here. Your authority, mine, and that of the scholars you cite sits on the same level: none. It is all gatekeeping dressed as expertise. The video urging people to ignore “illegal orders” made your intent clear. You stretch the term until it covers anything that suits your goal of weakening the security apparatus and pushing Trump out of office. People see that. They see you. That you all are walking free and making those posts trying to advance a color revolution is the ultimate proof that Trump is not an authoritarian… he is far too lenient. https://twitter.com/CynicalPublius/status/1994807665147744671?s=20 https://twitter.com/SecWar/status/1994552598142038358?s=20  intended to be “lethal, kinetic strikes.” The declared intent is to stop lethal drugs, destroy narco-boats, and kill the narco-terrorists who are poisoning the American people. Every trafficker we kill is affiliated with a Designated Terrorist Organization. The Biden administration preferred the kid gloves approach, allowing millions of people — including dangerous cartels and unvetted Afghans — to flood our communities with drugs and violence. The Trump administration has sealed the border and gone on offense against narco-terrorists. Biden coddled terrorists, we kill them. Our current operations in the Caribbean are lawful under both U.S. and international law, with all actions in compliance with the law of armed conflict—and approved by the best military and civilian lawyers, up and down the chain of command. Our warriors in SOUTHCOM put their lives on the line every day to protect the Homeland from narco-terrorists — and I will ALWAYS have their back. https://twitter.com/TimOnPoint/status/1994570386239852571?s=20   is probably closer to the SECWAR's office in the Pentagon. The Washington Post begins writing the story. C) a Soros-funded NGO puts billboards up encouraging military personnel to report unlawful orders… although there are no unlawful orders identified. D) out of nowhere, the Seditious Six – which includes one presidential hopeful and one former IC member who had direct involvement in the original attempt to destroy Trump – delivers to social media a “don't give up the ship” video – a public service announcement to all personnel to refuse unlawful orders. *** the video was funded and produced a Soros funded NGO. E) Senator Slotkin, the former CIA ghoul, goes on the news and is very careful to state that she can't identify any unlawful orders that have been given. F) boom, the WaPo delivers the story claiming unlawful orders. G) Friday evening, everyone on the left hits social media – with paid amplification – about the unlawful orders. H) the Sunday shows will be filled with calls for war crimes charges, impeachments, and resignations. All a coincidence, right? None of it was coordinated, right? Not all civil wars happen on the battlefield. https://twitter.com/PeteHegseth/status/1994553202767700041?s=20  https://twitter.com/sentdefender/status/1994957376764424644?s=20   House through a number of channels, with ongoing discussions about what future communication between the two countries might look like, multiple administration officials told CNN. Venezuela Issues Statement After President Trump Orders All Aircraft to Avoid Regime-Controlled Airspace   In Venezuela's statement, the regime accused the United States of attempting to “intimidate Venezuela” and framed Trump's announcement as an attack on Latin America as a whole. The press release ignored every factual concern raised by U.S. intelligence, including increased military involvement in cocaine transport and the regime's long-standing partnership with the Cartel of the Suns. Today's outburst from the Maduro regime is another example of Venezuela deflecting blame while its role in regional crime expands. Meanwhile, President Trump's position is clear: protect international aviation, disrupt drug networks, and stop allowing a criminal regime to use its airspace as a staging ground. Source: thegatewaypundit.com https://twitter.com/GhostEzraQ/status/1994769781073867174?s=20   Pentagon for decades. Who do you think really armed the Venezuelan “gangs” that flooded swing states right before the election? Who flew the untraceable Gulfstreams full of product and kids out of Maturín and Maiquetía while Biden looked the other way? Same people who ran Iran-Contra, fast-forward 40 years. Trump isn't just closing airspace, he's cutting the oxygen to the deep-state money laundering superhighway that's been funding black sites, color revolutions, and child trafficking networks across the hemisphere. Land operations begin “VERY SOON.” Translation: The white hats are moving in to seize the servers, the tunnels, and the ledgers the mockingbird media swore didn't exist. The storm over Caracas is about to expose everything. https://twitter.com/xAlphaWarriorx/status/1994912948201165251?s=20   just talk…he'll detonate his/deep states entire network. Many are struggling with discernment, but the strategic reality is simple: Maduro hasn't controlled Venezuela for years. The deep state held the reins. Then the guardians caught him, flipped him and weaponized the façade of control against the deep state. They may publicly acknowledge it; they may bury it. But the aftermath will speak for itself. In the days immediately following his surrender or “death,” watch the information floodgates burst wide open…especially involving U.S. elections. The timing will be surgical. The disclosures will be coordinated. And the narrative collapse will be unmistakable. Zelensky’s Sacked Top Aide ‘Escapes’ To Front-Line To ‘Hide’ From Corruption Investigators  Andriy Yermak, the man who until just over 24 hours ago was Zelensky’s right hand man and the president’s top most powerful aid as chief of staff, and Ukraine’s appointed chief negotiator with the US on the peace process, is going to the front lines, apparently to “fight”. After his home and offices were raided by Ukraine’s anti-corruption investigators Friday related to the ongoing massive energy sector kickback scandal, Yermak announced by text message to The New York Post, “I'm going to the front and am prepared for any reprisals.” He followed with, “I am an honest and decent person.”  According to the lengthy analysis [emphasis ZH]:  Zelensky's fixer, enforcer, gatekeeper, and indispensable ally, isn't a “corruption scandal.” It's Washington slapping the table. NABU, the U.S.-trained attack dog of Ukrainian politics, didn't raid the Presidential Office by accident.It raided to remind Zelensky that the war isn't his to command, the peace process isn't his to veto, and the leash around Bankova Street is held in Washington, not Kiev and certainly not European chihuahuas. Because the real story isn't Yermak's resignation. The real story is the West turning on itself over how to end a war Russia has already won.      Source: thegatewaypundit.com Ukrainian Delegation Arrives in the US To Meet Secretary Rubio, Witkoff and Kushner for Peace Talks  Kiev regime leader Volodymyr Zelensky announced Saturday (29) that a peace talks delegation was on its way to the United States. The Ukrainian team, now headed by former Defense Minister and Security Council Secretary Rustem Umerov, will continue talks today (30) on an agreement to end the war with Russia. Zelensky expects that these talks, to be held tomorrow (30) to develop upon the previous meeting in Geneva. “U.S. Secretary of State Marco Rubio, special envoy Steve Witkoff and U.S. President Donald Trump's son-in-law Jared Kushner will meet Ukrainian officials on Sunday in Florida, a senior U.S. official told Reuters.” Source: thegatewaypundit.com https://twitter.com/MZHemingway/status/1994835005357576325?s=20 https://twitter.com/WarClandestine/status/1994938711729938444?s=20 Medical/False Flags https://twitter.com/ImMeme0/status/1994907732890325212?s=20   let millions of illegal aliens pour into the country? But sure, keep acting like Americans are too stupid to notice what's actually going on. You really think people are that dumb, don't you? https://twitter.com/BretWeinstein/status/1994904606913302874?s=20  medicine, the debut of a lethal new vaccine platform, shredding of the First Amendment, and robotic pens used to brazenly pardon criminal masterminds—all lurk just below the surface. Thanks to @VPrasadMDMPH for stepping up.    win the Midterm Elections in RECORD NUMBERS. I AM THE AFFORDABILITY PRESIDENT. TALK LOUDLY AND PROUDLY! President DJT https://twitter.com/MrAndyNgo/status/1994939951293895094?s=20 [DS] Agenda  President Trump's Plan https://twitter.com/julie_kelly2/status/1994543710437007421?s=20   DC) is the basis of the contempt investigation. Kash Patel says all contents of FBI Trump-Russia burn bags will be made public FBI Director Kash Patel says the contents of the burn bags containing Trump-Russia documents discovered at the FBI building will be made public one way or another. “You're going to see everything we found in that room in one way or another, be it through investigation, public trial, or disclosure to the Congress,” Patel told The Epoch Times in an interview with reporter Jan Jekielek that will air Saturday. The bureau said that the classified information was stashed away in a room at FBI Headquarters and was related to Crossfire Hurricane and also other FBI inquiries into President Donald Trump and his allies. Patel previously said that the FBI had found “several bags” containing evidence related to the Russiagate investigation. One electronic communication made public by the Justice Department in court filings related to the prosecution of former FBI Director James Comey earlier this month indicated the FBI began a preliminary investigation into the discovery this summer. Source: justthenews.com https://twitter.com/EricLDaugh/status/1994913285259272493?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1994913285259272493%7Ctwgr%5Ef8c44fa6520e3b2f5c1b1f5de5158fa619710e1c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fredstate.com%2Fnick-arama%2F2025%2F11%2F29%2Fpass-the-popcorn-kash-patel-has-intriguing-news-about-comey-case-and-those-burn-bags-n2196663   tuned for right after Thanksgiving. And you’ll see multiple responses…” @FBIDirectorKash https://twitter.com/RonDeSantis/status/1994967913636528531?s=20 https://twitter.com/MarioNawfal/status/1994582862176149809?s=20  fundraisers. Limiting events. Stage-managing appearances. Reducing his workload. Avoiding interviews. Even recruiting Hollywood directors Steven Spielberg and Jeffrey Katzenberg to help with the State of the Union. They controlled everything, including who could see him. This wasn’t a presidency. It was a production. The 91-page committee report found Biden’s “inner circle” took steps to “meticulously stage-manage” his public appearances, lighten his private workload, and block lawmakers from talking to him directly. Three key aides took the Fifth Amendment when questioned, including White House physician Dr. Kevin O’Connor, who refused to answer: “Were you ever told to lie about the president’s health?” Former Chief of Staff Jeff Zients admitted under oath he didn’t even know who operated the autopen that signed approximately 92% of Biden’s documents. Trump has now declared all autopen-signed executive actions “NULL AND VOID” and threatened Biden with perjury charges if he claims he authorized them. The same people who called you a conspiracy theorist for questioning Biden’s fitness were stage-managing his every movement. They knew. They all knew. And they lied to your face for four years. TIMESTAMPS: 0:22 – Panicked Donor Calls Chief of Staff Immediately After Biden Fundraiser 1:33 – Zients Confession: “Age is the Most Difficult Issue” 2:37 – Why Spielberg and Katzenberg Were Secretly Brought In 5:30 – The Makeup and “Discipline” Strategy to Hide Biden’s Decline 7:05 – The Real Reason Biden Dodged Super Bowl Interview 9:58 – Staff Ordered to Reduce His Steps After Multiple Falls Source:   directly signed by Crooked Joe Biden, because the people who operated the Autopen did so illegally. Joe Biden was not involved in the Autopen process and, if he says he was, he will be brought up on charges of perjury. Thank you for your attention to this matter! https://twitter.com/JoeLang51440671/status/1994860387108340010?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Affordability Narrative Democrats were previously dismissing inflation and now emphasizing affordability. Democrats are trying to portray the economy as a disaster and blame Trump. Gas Prices & Energy Positive news: Thanksgiving gas prices at their lowest since the pandemic. National average forecast: $3.02 per gallon. Nearly 30 states have prices under $3; Oklahoma leads at $2.50. Liberal states like California have much higher prices ($4.63), attributed to regulation and taxation. Trend framed as a result of Trump’s energy policies. Holiday Spending U.S. holiday spending expected to top $1 trillion for the first time. Mixed consumer sentiment: Surveys show some tightening (Gen Z plans to spend 23% less). National Retail Federation predicts sales growth of 2.9–3.4%. Concerns about tariffs and shipping delays; advice to shop early. Thanksgiving Meal Costs Down 5% from last year, lowest in four years. Average cost for 10 people: $55.18. Sharp decline in turkey prices (down 16%). Contrast with Biden-era inflation: Prices surged 14% in 2021 and 20% in 2022. Overall increase of ~24% during Biden’s term. 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.