Podcasts about rates

In today's pod we grade picks 1-16 from the 2024 NFL Draft! I hope you enjoy!   Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/GFB. Application times may vary. Rates may vary.   TWITTER: https://mobile.twitter.com/FBallAnalysisYT     Welcome to the Football Analysis Podcast! Subscribe for all NFL related content! Please drop 5 star rating if you enjoyed the pod as all support is very much appreciated! Thanks for listening!     #nfl #nflfootball #football #nfldraft       Support Us By Supporting Our Sponsors!   Save 55% on your first box of The Pets Table, PLUS 10% off your next 2 boxes with code ANALYSIS55 at https://bit.ly/4qDpHWG   Download PrizePicks here! https://prizepicks.onelink.me/ivHR/GFB CODE: GFB   Arena Club: 20% off your first Slab Pack or card purchase by going to https://arenaclub.com/GFB and use code GFB.    Bear Mattress: Click here https://bearmattress.com/analysis and use analysis to get 40% off your mattress + 2 free pillows. Offers are subject to change.   Gametime: Download the Gametime app (https://gametime.co/) and redeem code ANALYSIS for $20 off your first purchase (terms apply)    

Rates are higher. Supply is tighter. So where does that leave buyers and investors in 2026? Pete and Chris leads this first timely property and break down rising rates, sticky inflation, the expanded 5% first-home buyer scheme, and the structural supply gap driving pressure across the market. Together, they discuss: Who is feeling the pressure right now — renters, first-home buyers, investors, developers. What higher-for-longer means for borrowing power, buffers and timing decisions. How to think clearly when credit conditions stay tight. The 5% First-Home Buyer Scheme Whether lower deposits improve affordability or increase leverage. Can Australia can realistically build its way out? Where disciplined buyers and resilient borrowers are still finding opportunity. Listener Q&A Resources for this episode ⁠Ask a question (select the Property podcast)⁠ Rask Resources ⁠Pete's Buyers Agency⁠ ⁠Alcove mortgage broking⁠ ⁠Amy Lunardi Buyers Agency (Melbourne)⁠ ⁠All services⁠ ⁠Financial Planning⁠ ⁠Invest with us⁠ ⁠Access Show Notes⁠ ⁠Ask a question⁠ ⁠We love feedback!⁠ Follow us on social media: Instagram: ⁠@rask.invest⁠ TikTok: ⁠@rask.invest⁠ DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): ⁠https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Josh Rogin analyzes the reopening of trade between Washington and Delhi, suggesting India is returning to a non-aligned strategy despite improved relations and adjusted tariff rates.1862 INDIA

Veronique de Rugy of the Mercatus Center analyzes tensions between the President and the Federal Reserve, warning against fiscal dominance where political pressure regarding debt forces the Fed to lower rates.1930 FDR AND SARA

Dan Ives is the Global Head of Technology Research at Wedbush Securities and one of the most widely followed analysts covering AI and U.S. tech. This conversation was recorded live at Bitcoin Investor Week in New York. In this discussion, Dan explains why the recent selloff in software is disconnected from fundamentals, how AI CapEx is driving a fourth industrial revolution, and why U.S. tech remains structurally ahead. We also discuss the relationship between AI and bitcoin, the current risk-off environment, and why Dan believes we're still early in a multi-year tech bull cycle.======================Sign up for the Gemini Credit Card: https://gemini.com/pomp #GeminiCreditCard #CryptoRewards This video is sponsored by Gemini. All opinions expressed are my own and not influenced or endorsed by Gemini. Gemini-branded credit products are issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees: https://gemini.com/legal/cardholder-agreement Some exclusions apply to instant rewards; these are deposited when the transaction posts. 4% back is available on up to $300 in spend per month for a year (then 1% on all other Gas, EV charging, and transit purchases that month). Spend cycle will refresh on the 1st of each calendar month. See Rewards Program Terms for details: https://gemini.com/legal/credit-card-rewards-agreement Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval.======================Arch Public is an agentic trading platform that automates the buying and selling of your preferred crypto strategies. Sign up today at https://www.archpublic.com and start your automated trading strategy for free. No catch. No hidden fees. Just smarter trading.======================0:00 - Intro0:22 - Is the tech bull market over?1:55 - Why do people want U.S. software companies to fail?4:30 - If tech is up 20%, what happens to the S&P 500?6:16 - Are AI & Bitcoin actually connected?9:02 - Do power and data center constraints limit AI's upside?13:22 - How robotics will change labor & profits15:45 - Where does bitcoin go over the next few years?17:06 - Which tech companies are misunderstood or undervalued?19:30 - Are we near a market bottom?

C-Lo's last update features Sal Licata's podcast where he talks about the best WFAN shows of all time. Tommy Lugauer does an ‘ask me anything' on the phone and the first call was the ‘Buchanan guy'. Moment of The Day: Valentine's Day cards and their love messages.

This week, Rebecca Rettig joins the show to discuss the latest happening in Washington and what it means for crypto. We deep dive into the Clarity act, how to regulate prediction markets, who's crypto's enemy now, the state of crypto VC, LayerZero's Zero announcement and more. Enjoy! -- Follow Rebecca: https://x.com/RebeccaRettig1 Follow Rob: https://x.com/HadickM Follow Santi: https://x.com/santiagoroel Follow Empire: https://x.com/theempirepod -- Referenced In The Show: https://open.spotify.com/episode/67w8irQ06j6ZH38FsXSShf?si=5633bb7bb6a248b9&nd=1&dlsi=d7d519562e884e70 -- Coinbase crypto-backed loans, powered by Morpho, enable you to take out loans at competitive rates using crypto as collateral. Rates are typically 4% to 8%. Borrow up to $5M using BTC as collateral and up to $1M using ETH as collateral. Manage crypto-backed loans directly in the Coinbase app with ease. Learn more here: https://www.coinbase.com/onchain/borrow/get-started?utm_campaign=0126_defi-borrow_blockworks_empire&marketId=0x9103c3b4e834476c9a62ea009ba2c884ee42e94e6e314a26f04d312434191836&utm_source=empire -- Timestsamps: (00:00) Introduction (01:57) The State of Crypto Policy In DC (27:24) Coinbase Ad (28:08) Das Plug (28:34) Prediction Markets (36:50) Who's Crypto's Enemy Now? (52:35) The State of Crypto VC (01:01:15) LayerZero's Zero Announcement (01:13:01) Content of The Week -- Disclaimer: Nothing said on Empire is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Santiago, Jason, Rob and our guests may hold positions in the companies, funds, or projects discussed.

Ian Lyngen and Ben Jeffery bring you their thoughts on the U.S. Rates market for the upcoming week of February 17th, 2026, and respond to questions submitted by listeners and clients.

This week, we break down evidence of a quiet Main Street re-acceleration, exploding market dispersion, AI-driven shifts in correlations, why passive strategies are being disrupted, and where capital is rotating across real assets, rates, and global markets. Enjoy! — FollowTyler: https://x.com/Tyler_Neville_ Follow Quinn: https://x.com/qthomp Follow Felix: https://twitter.com/fejau_inc Follow Forward Guidance: https://twitter.com/ForwardGuidance Follow Blockworks: https://twitter.com/Blockworks_ Forward Guidance Telegram: https://t.me/+CAoZQpC-i6BjYTEx Join us at Digital Asset Summit 2026 in NYC March 24-26th! Use code FORWARD200 for $200 OFF! https://blockworks.co/event/digital-asset-summit-nyc-2026 __ Weekly Roundup Charts: https://drive.google.com/file/d/19aYbTDngy8hRXMYUNNxZId3oM8AsfBjv/view?usp=sharing — Grayscale offers more than 30 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. https://www.grayscale.com/?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-forwardguidance Coinbase crypto-backed loans, powered by Morpho, enable you to take out loans at competitive rates using crypto as collateral. Rates are typically 4% to 8%. Borrow up to $5M using BTC as collateral and up to $1M using ETH as collateral. Manage crypto-backed loans directly in the Coinbase app with ease. Learn more here: https://www.coinbase.com/onchain/borrow/get-started?utm_campaign=0126_defi-borrow_blockworks_FG&marketId=0x9103c3b4e834476c9a62ea009ba2c884ee42e94e6e314a26f04d312434191836&utm_source=FG — Timestamps: 00:00 Intro 05:28 Main Street Re-Accelerating? 12:23 Ads (Grayscale) 13:04 AI CapEx Is Breaking Correlations (RIP Passive?) 19:55 Exploding Dispersion & Capital Rotation Plays 23:32 Retail vs Hedge Funds: Who's Crowded? 32:08 Ads (Grayscale, Coinbase) 33:43 Crowded Trades & Atoms vs Bits 39:50 AI Bottlenecks & Real Asset Rotation 50:02 Bitcoin, Crypto & Risk Appetite Check — Disclaimer: Nothing said on Forward Guidance is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are opinions, not financial advice. Hosts and guests may hold positions in the companies, funds, or projects discussed. #macro #investing #markets #stocks #stockmarket

Ever finish a job, see solid revenue, and still wonder where the profit went?In this episode, we break down how painting contractors lose margin during production, even when the estimate “felt right.” From prep work that quietly expands (patch turns into skim) to the classic “while you're here” requests that bleed hours, the real problem is rarely effort. It's the lack of a system you can trust.Jesse Teron and Josh Eldridge walk through a practical approach to job costing that starts before the job begins. You will learn how to forecast profit to the dollar, set budgeted hours your crew can actually execute, and build production rates based on an average painter so your top performers can beat the budget and earn more.We also hit the leadership side: how to hold firm when subs ask for more money mid-job, how to stop doing extra work for free, and how detailed proposals and clear exclusions protect you from scope creep.Inside this episode:Why “trusting profit” is really about knowing your numbersHow to move from job costing in arrears to forecasting materials and labor up frontProduction rate examples (hardy board, fascia, second-level work adjustments)How to communicate budgeted hours and deadlines to your crew without dramaThe breakdown that makes it easier to say no to mid-job price changesA simple boundary system for change orders so you stop donating laborIf you want cleaner margins, fewer surprises, and a business that scales without chaos, this is the playbook.Submit your question for a future episode at paintergrowth.com.

Rates of childhood cancer, asthma, obesity and other diseases are rising at alarming rates. This week, Patti and Doug talk about testing drinking water for microplastics, a big court victory for residents of Cancer Alley, and how schools are unprepared to meet new HHS food pyramid guidelines. Then pediatrician and author Dr. Michelle Perro talks about what worries her most about children's health, the importance of good nutrition, and steps we can take together to improve outcomes for our kids.

Dr. John Ashcraft from University of Kansas Health System talks increased rates of colorectal cancer in young adults HR 2 full 2638 Fri, 13 Feb 2026 16:02:57 +0000 m8ioNBtLBQ5TLegDYDPfkpE09mklxJ7I news MIDDAY with JAYME & WIER news Dr. John Ashcraft from University of Kansas Health System talks increased rates of colorectal cancer in young adults HR 2 From local news & politics, to what's trending, sports & personal stories...MIDDAY with JAYME & WIER will get you through the middle of your day! © 2025 Audacy, Inc. News False

In this episode of (Re)thinking Insurance, Rafael Costa is joined by Farah Ismail and Ben Williams to explore the strategic role of bureau rates as a foundational tool for the commercial insurance sector. They discuss how these standardized data sets provide a reliable starting point for carriers — especially startups — to avoid data gaps and stay aligned with industry trends. The podcast addresses the critical balance between using advisory loss costs and developing proprietary pricing models, highlighting both the advantages of aggregated industry data and the potential pitfalls that require a more tailored, data-driven approach.

Robert F. Kennedy Jr. is the United States Secretary of Health and Human Services. Before this he was a presidential candidate, attorney and environmentalist.  RFK Jr. joins Theo to talk about going from an outsider to the head of HHS, how much fraud he uncovered in existing government agencies, and the research that went into developing the new food pyramid.  Robert F. Kennedy Jr.: https://www.instagram.com/robertfkennedyjr/  ------------------------------------------------ Tour Dates! https://theovon.com/tour New Merch: https://www.theovonstore.com ------------------------------------------------- Sponsored By: Celsius: Go to the Celsius Amazon store to check out all of their flavors. #CELSIUSBrandPartner #CELSIUSLiveFit https://amzn.to/3HbAtPJ  Moonpay: Head over to https://www.moonpay.com/theo  to sign up  Tecovas: Go to http://tecovas.com/theo for 10% off. Ethos: Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/THEO. Application times may vary. Rates may vary. Morgan and Morgan: Visit https://forthepeople.com/THEO  to see if you might have a case. Morgan and Morgan. America's Largest Injury Law Firm. Ryl Tea: the tea that cleaned up its act and still tastes like the good old days. Refresh yourself now at www.drinkryl.com  ------------------------------------------------- Music: “Shine” by Bishop Gunn Bishop Gunn - Shine ------------------------------------------------ Submit your funny videos, TikToks, questions and topics you'd like to hear on the podcast to: tpwproducer@gmail.com Hit the Hotline: 985-664-9503 Video Hotline for Theo Upload here: https://www.theovon.com/fan-upload Send mail to: This Past Weekend 1906 Glen Echo Rd PO Box #159359 Nashville, TN 37215 ------------------------------------------------ Find Theo: Website: https://theovon.com Instagram: https://instagram.com/theovon Facebook: https://facebook.com/theovon Facebook Group: https://www.facebook.com/groups/thispastweekend Twitter: https://twitter.com/theovon YouTube: https://youtube.com/theovon Clips Channel: https://www.youtube.com/c/TheoVonClips Shorts Channel: https://bit.ly/3ClUj8z ------------------------------------------------ Producer: Zach https://www.instagram.com/zachdpowers Producer: Trevyn https://www.instagram.com/trevyn.s/  Producer: Nick https://www.instagram.com/realnickdavis/ Producer: Andrew https://www.instagram.com/bleachmediaofficial/  Producer: Halston https://www.instagram.com/halstonrays/  Learn more about your ad choices. Visit megaphone.fm/adchoices

@GeneSohoForum coming through with the Graphs and walkthrough of the real story in American Labor markets. Are American's underpaid by greedy corporations? Find out on today's episode.

@GeneSohoForum coming through with the Graphs and walkthrough of the real story in American Labor markets. Are American's underpaid by greedy corporations? Find out on today's episode.

The states that have allowed federal cooperation have seen a massive drop in violent crime rates year over year and Hannity discussed the latest news in the Guthrie case. Learn more about your ad choices. Visit megaphone.fm/adchoices

In our 127th episode, Mike Couillard and Jeremy Brewer discuss the latest MLB transactions and baseball card news before previewing the NL Central with Derek VanRiper of The Athletic and the Rates & Barrels podcast.You can find us on bluesky at @cardscategories.bsky.social, @mcouill7.bsky.social, and @jbrewer17.bsky.social. Email the pod at cardscategories@gmail.com.We have Cards & Categories swag for purchase here!Sign up here to get access to all of the Razzball tools to win your 2026 fantasy leagues!Links to things discussed in the pod:Red Sox and Brewers link up for six-player swap including Caleb Durbin and Kyle HarrisonJustin Verlander re-joins the TigersOrioles add Chris BassittPirates ink Marcell Ozuna to one-year pactYankees re-sign Paul GoldschmidtMiguel Andujar joins the PadresInjuries galore from reporting to camp:Corbin Carroll undergoing surgery on right hamate boneFrancisco Lindor having hamate surgeryJackson Holliday suffers broken right hamate, also set for surgeryBanged up Blue Jays (Santander out 5-6 months with shoulder surgery, Bowden Francis out for season with UCL reconstruction, Bieber has forearm fatigue)Spencer Schwellenbach to open season on 60-day IL with elbow inflammationReese Olson out for season with shoulder surgeryRedemption for a 1952 Mantle is buried in Series 1Upcoming baseball card release schedule:2/11: 2025 Topps MLB MVP Collection2/11: 2026 Topps Series 12/12: 2025 Topps Pristine2/18: 2025 Panini Prospect Edition2/18: 2025 Topps Stadium Club2/20: 2025 Topps GildedTBD: 2025 Bowman's BestTBD: 2025 Topps Chrome Platinum ‘55NL Central Preview (33:00)Chicago CubsBuy: Ian Happ, Alex BregmanSell: Pete Crow-Armstrong, Nico Hoerner, Cade HortonCincinnati RedsBuy: Matt McLain, Will Benson, Elly De La CruzSell: Emilio Pagan, Noelvi MarteMilwaukee BrewersBuy: Jacob Misiorowski, Logan Henderson, Andrew VaughnSell: Abner Uribe, Trevor MegillPittsburgh PiratesBuy: Braxton Ashcraft, Bryan ReynoldsSell: Dennis Santana, Konnor GriffinSt. Louis CardinalsBuy: Jordan Walker, Alec Burleson, Kyle LeahySell: Victor Scott II, Riley O'Brien 

If you're waiting for mortgage rates to calm down before making a move, you might be waiting longer than you think. Rates remain volatile as mixed economic signals continue to roll in, with inflation cooling but employment surprising to the upside and unemployment ticking down to 4.3%, leaving many wondering whether mortgage rates can actually move lower from here. In this LIVE episode, we're breaking down what's really driving mortgage rates, how the latest inflation and jobs data impact the housing market, and what it all means for buyers and homeowners heading into 2026 so you can make smart decisions and become The Educated HomeBuyer.Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

Rates are holding, but only just. The Bank of England's decision came down to a single vote, which tells us everything about where things are heading next.  In this month's market update, Rob & Rob break down what a near-miss rate cut means for property investors, why house prices are quietly building momentum, and the surprising direction rents are taking. Plus, there's a significant shake-up coming for ground rents that could transform flat values overnight.  (00:59) News story of the week  (03:41) House prices break through £300k for the first time  (07:03) Why rents are cooling off after years of aggressive rises  (11:26) Ground rents capped at £250 – what it means for flat owners  (14:52) EPC deadlines slip again, plus the 100-day countdown to rental reform  (15:52) Hub Extra    Links mentioned:   Fable book club app: Get here  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us!  Sign up for our free weekly newsletter, Property Pulse  Find out more about Property Hub Invest 

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  The Congressional Budget Office warns that U.S. deficits and interest costs are set to explode in the coming years. Chris breaks down the numbers, explains why simply cutting interest rates won't magically reduce the national debt, and reveals the fiscal reality behind America's growing budget crisis.

In today's market, loan officers aren't losing deals because they don't work hard. They're losing deals because they're still being positioned like rate quote providers instead of trusted advisors. And when rates move, many are getting crushed by chaos; overbooked calendars, endless “quick questions,” and missed opportunities that should have turned into momentum.In this episode of The 360 Experience Podcast, Tim Braheem sits down with Justin Padron, one of the top-producing mortgage advisors at NEO Home Loans. Justin is on pace to fund roughly 140 loans and $70M+ in volume this year, with the majority of his business coming from purchase transactions in a tough market…and he's doing it without competing on rate.Top Takeaways for Loan Officers:1️⃣ How leading with education, strategy, and clear guidance (before numbers) reframes you from a commodity into an advisor buyers trust to help them make confident financial decisions, even in a high-rate environment.2️⃣ How to set a client-chosen strike rate during a post-closing consult and actively monitor it, allowing you to create a predictable refi pipeline that produces volume when rates move without relying on luck or last-minute scrambling.3️⃣ Tips for proactively explaining exactly what happens when the strike rate hits (who contacts them, what documents are needed, and when to move forward) to dramatically reduce unnecessary calls while increasing execution speed.4️⃣ Why the “three outcomes” framework (rates go up, stay flat, or go down) combined with tools like no-cost refinances and lender-subsidized 2-1 buydowns gives buyers a clear path forward in every scenario.5️⃣ Justin's consultative presentation process that helps Realtors close buyers they've been stuck with for months, positioning you as the partner who makes agents more money.If you're tired of being compared to credit unions, overwhelmed when opportunity finally shows up, or feeling like you're working harder than ever for the same results, this conversation will give you a clear blueprint to level up your conversion, your confidence, and your income._________________________________________________________________ABOUT TIM BRAHEEMWith more than 25 years of experience as a highly successful mortgage professional, industry leader, educator, and life coach, Tim Braheem is committed to engaging with people on a deep level and helping them uncover the barriers they have placed in the way of having the level of success they deserve in both their business and personal lives.FOLLOW Instagram ► https://www.instagram.com/tbraheem/LinkedIn ► https://www.linkedin.com/in/timbraheemTHE LOAN ATLASJOIN ► https://go.theloanatlas.com/membership FOLLOWInstagram ► https://www.instagram.com/theloanatlas/YOUTUBE ► https://www.youtube.com/@LoanAtlas----------

In this episode, Chuck Todd unpacks a week where political theater carried real consequences, from Pam Bondi’s high-profile hearing and the Justice Department’s bruised credibility to renewed controversy over the Epstein files and why Trump appears uneasy about what could surface. Chuck explores how Trump’s actions—from refusing to help key Republicans like John Cornyn in Texas to escalating trade and tariff fights that split his own party—may be doing tactical damage to GOP midterm prospects, even putting critical races in Michigan and beyond at risk. He also examines donor frustration, the political fallout of Trump’s UAE corruption scandal, and why internal Republican divisions could shape whether Democrats win a narrow or sizable House majority. Finally, Chuck looks at the surprisingly strong jobs report, the murky influence of prediction markets, and why, if Democrats ultimately capture the Senate, Trump himself may be the biggest reason why. Then, founder of Iraq and Afghanistan Veterans of America Paul Rieckhoff joins for a wide-ranging conversation that moves from the football field to the battlefield and into the halls of power. Paul shares how his family's experience with Vietnam shaped his own path into the military and explores why the scars of Iraq and Afghanistan haven't left the same political mark as Vietnam did. The discussion dives into the state of today's all-volunteer military, raising concerns about recruiting under Pete Hegseth's leadership at the Pentagon, the politicization of military culture, and the promotion of a specific ideological agenda within the Department of Defense—including what it means for democracy when the most powerful military in the world operates with fewer checks than ever. The conversation then shifts to the growing power of political independents, with Paul making the case that unaffiliated voters and veteran candidates could serve as a moderating force in American politics. From the potential impact of just a handful of independent senators to why no military veteran has won the presidency since George H.W. Bush, Paul and Chuck explore what it would take to break the two-party stranglehold. They also touch on the challenges of independent media, how national security can be a clarifying lens for consuming news, and why Paul believes every voter should consider declaring independence—arguing it gives them more power, not less. Finally, Chuck answers listeners’ questions in the “Ask Chuck” segment. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 2:00 The Pam Bondi hearing was all theater, but it did matter 3:30 Trump’s cabinet hearings have an audience of one…Trump 4:00 DOJ’s credibility took a massive hit this week 4:45 Grand jury refused to indict Democratic members of congress 6:15 Bondi fanned the flames over Epstein files, now she’s backtracking 7:00 Trump seems awfully nervous about the files, like he’s hiding something 8:30 The question is do the Dems get a large or small majority in the house 10:00 There is a ceiling for Democratic gains 10:45 Trump isn’t interested in helping Republicans in the midterms 11:15 Trump not endorsing Cornyn in Texas put the senate seat in play 12:45 Republican donors are upset Trump won’t help in Texas 14:15 Trump’s UAE corruption scandal the worst of all time 15:45 Trump’s threats over bridge to Canada hurts GOP in Michigan 17:00 Owner of other bridge lobbied Lutnick, now Trump threatens shutdown 17:30 New bridge is good for Michigan, this put Mike Rogers in jeopardy 18:30 Trump is doing tactical harm to their midterm election chances 19:15 Trump’s tariff mess has divided his own party 20:30 Mike Johnson couldn’t stop vote in the house on tariffs 22:00 Trump doesn’t care about the future of the Republican party 23:45 Trump says no to another reconciliation bill, also bad for GOP 25:30 Jobs report was good despite admin officials previewing a bad one 26:15 Are administration officials cashing in on the prediction markets? 27:00 Prediction markets are extraordinarily corruptable 28:30 Higher tax refunds will get eaten by higher costs, not politically helpful 29:45 If Democrats win the senate, they’ll have Donald Trump to thank 31:00 Far right candidate beat the center left coalition in Japan 32:30 Independents need to assert their political power in America 35:00 The country’s political affiliations don’t fix neatly into two boxes 44:00 Races with independents to track 45:15 Ask Chuck 45:30 Isn’t congress responsible for border policy? 51:45 Is the reason Noem hasn’t been fired, that Trump wants on Mt. Rushmore? 54:15 Why do celebrities lend their names to companies that hurt their customers? 59:30 Would moderate Democrats do better running as independents? 1:04:45 Does Utah law to expand Supreme Court open the door for court packing? 1:08:30 What can be done to modernize education, add national service? 1:20:00 Thoughts on sports post-footballSee omnystudio.com/listener for privacy information.

Is The Most Dangerous Thing Trump Can Do In this episode, Chuck Todd unpacks a week where political theater carried real consequences, from Pam Bondi’s high-profile hearing and the Justice Department’s bruised credibility to renewed controversy over the Epstein files and why Trump appears uneasy about what could surface. Chuck explores how Trump’s actions—from refusing to help key Republicans like John Cornyn in Texas to escalating trade and tariff fights that split his own party—may be doing tactical damage to GOP midterm prospects, even putting critical races in Michigan and beyond at risk. He also examines donor frustration, the political fallout of Trump’s UAE corruption scandal, and why internal Republican divisions could shape whether Democrats win a narrow or sizable House majority. Finally, Chuck looks at the surprisingly strong jobs report, the murky influence of prediction markets, and why, if Democrats ultimately capture the Senate, Trump himself may be the biggest reason why. Then, founder of Iraq and Afghanistan Veterans of America Paul Rieckhoff joins for a wide-ranging conversation that moves from the football field to the battlefield and into the halls of power. Paul shares how his family's experience with Vietnam shaped his own path into the military and explores why the scars of Iraq and Afghanistan haven't left the same political mark as Vietnam did. The discussion dives into the state of today's all-volunteer military, raising concerns about recruiting under Pete Hegseth's leadership at the Pentagon, the politicization of military culture, and the promotion of a specific ideological agenda within the Department of Defense—including what it means for democracy when the most powerful military in the world operates with fewer checks than ever. The conversation then shifts to the growing power of political independents, with Paul making the case that unaffiliated voters and veteran candidates could serve as a moderating force in American politics. From the potential impact of just a handful of independent senators to why no military veteran has won the presidency since George H.W. Bush, Paul and Chuck explore what it would take to break the two-party stranglehold. They also touch on the challenges of independent media, how national security can be a clarifying lens for consuming news, and why Paul believes every voter should consider declaring independence—arguing it gives them more power, not less. Finally, Chuck answers listeners’ questions in the “Ask Chuck” segment. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 03:00 The Pam Bondi hearing was all theater, but it did matter 04:30 Trump’s cabinet hearings have an audience of one…Trump 05:00 DOJ’s credibility took a massive hit this week 05:45 Grand jury refused to indict Democratic members of congress 07:15 Bondi fanned the flames over Epstein files, now she’s backtracking 08:00 Trump seems awfully nervous about the files, like he’s hiding something 09:30 The question is do the Dems get a large or small majority in the house 11:00 There is a ceiling for Democratic gains 11:45 Trump isn’t interested in helping Republicans in the midterms 12:15 Trump not endorsing Cornyn in Texas put the senate seat in play 13:45 Republican donors are upset Trump won’t help in Texas 15:15 Trump’s UAE corruption scandal the worst of all time 16:45 Trump’s threats over bridge to Canada hurts GOP in Michigan 18:00 Owner of other bridge lobbied Lutnick, now Trump threatens shutdown 18:30 New bridge is good for Michigan, this put Mike Rogers in jeopardy 19:30 Trump is doing tactical harm to their midterm election chances 20:15 Trump’s tariff mess has divided his own party 21:30 Mike Johnson couldn’t stop vote in the house on tariffs 23:00 Trump doesn’t care about the future of the Republican party 24:45 Trump says no to another reconciliation bill, also bad for GOP 26:30 Jobs report was good despite admin officials previewing a bad one 27:15 Are administration officials cashing in on the prediction markets? 28:00 Prediction markets are extraordinarily corruptable 29:30 Higher tax refunds will get eaten by higher costs, not politically helpful 30:45 If Democrats win the senate, they’ll have Donald Trump to thank 32:00 Far right candidate beat the center left coalition in Japan 33:30 Independents need to assert their political power in America 36:00 The country’s political affiliations don’t fix neatly into two boxes 45:00 Paul Rieckhoff joins the Chuck Toddcast 47:00 Why football is the most selfless sport 48:45 Defense in football feels like it has caught up to offense 51:00 How & why did you get into the military? 52:45 Nobody feels the acute impact of politics more than military members 54:00 Impact of Vietnam on Paul’s father & family 56:00 Anyone eligible for the draft in Vietnam were obsessive over details 57:30 No Vietnam vet ever won the presidency, but came close 59:15 Scars from Iraq/Afghanistan haven’t affected politics like Vietnam did 59:45 All-volunteer military is good for military but terrible for democracy 1:00:30 Shunning NATO would have been unthinkable just a decade ago 1:01:15 Worried about military recruiting under Pete Hegseth 1:02:00 Hegseth is waging a culture war from the Pentagon 1:03:15 Recruiting tactics are recruiting a very specific type of candidate 1:04:30 Changes in policy are politicizing the military & changing culture 1:05:45 Hegseth is prioritizing & promoting christianity at the Pentagon 1:06:15 Trump has the most powerful military & can do what he wants with it 1:06:45 Most dangerous thing Trump can do is invoke Insurrection Act 1:07:30 Pentagon press corp has been replaced with propogandists 1:09:45 The only thing checking Trump is himself & Chairman of Joint Chiefs 1:11:00 Trump has been more strategic this term, & is ahead of schedule 1:12:30 Military culture & families historically tend to lean right politically 1:13:45 Many veterans remain politically unaffiliated 1:14:45 We haven’t elected a military veteran since George H.W. Bush 1:15:45 Combat service gives you a true sense of the cost of war 1:17:30 Washington & Eisenhower closest to being “independent” presidents 1:18:45 Efforts to get veterans elected to local/state office 1:21:00 Independents have their leanings but reject the two parties 1:23:00 A true independent could be the most powerful member of senate 1:23:45 4-6 independent’s could be a moderating fulcrum in senate 1:25:30 Even two independents breaking with their caucus would be huge 1:28:00 How can each party appeal to independent veterans? 1:31:00 Every voter should declare independence, gives them more power 1:32:00 Balancing creating vs. ingestion working in independent media 1:35:00 National security is a great clarifier when consuming news 1:36:15 Waking up early is the best way to avoid distractions 1:37:30 Israel’s citizen-military culture creates a lot of activism 1:38:30 Instability created by Trump has engaged the electorate 1:40:45 ICE has made the danger posed by administration very immediate 1:41:45 If running for office was viable for independents, Paul would consider it 1:43:30 Veterans that want to service should run for office, not join ICE 1:47:45 Races with independents to track 1:49:00 Ask Chuck 1:49:15 Isn’t congress responsible for border policy? 1:55:30 Is the reason Noem hasn’t been fired, that Trump wants on Mt. Rushmore? 1:58:00 Why do celebrities lend their names to companies that hurt their customers? 2:03:15 Would moderate Democrats do better running as independents? 2:08:30 Does Utah law to expand Supreme Court open the door for court packing? 2:12:15 What can be done to modernize education, add national service? 2:23:45 Thoughts on sports post-footballSee omnystudio.com/listener for privacy information.

In this episode of the Chuck Toddcast, founder of Iraq and Afghanistan Veterans of America Paul Rieckhoff joins for a wide-ranging conversation that moves from the football field to the battlefield and into the halls of power. Paul shares how his family's experience with Vietnam shaped his own path into the military and explores why the scars of Iraq and Afghanistan haven't left the same political mark as Vietnam did. The discussion dives into the state of today's all-volunteer military, raising concerns about recruiting under Pete Hegseth's leadership at the Pentagon, the politicization of military culture, and the promotion of a specific ideological agenda within the Department of Defense—including what it means for democracy when the most powerful military in the world operates with fewer checks than ever. The conversation then shifts to the growing power of political independents, with Paul making the case that unaffiliated voters and veteran candidates could serve as a moderating force in American politics. From the potential impact of just a handful of independent senators to why no military veteran has won the presidency since George H.W. Bush, Paul and Chuck explore what it would take to break the two-party stranglehold. They also touch on the challenges of independent media, how national security can be a clarifying lens for consuming news, and why Paul believes every voter should consider declaring independence—arguing it gives them more power, not less. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Paul Rieckhoff joins the Chuck Toddcast 02:00 Why football is the most selfless sport 03:45 Defense in football feels like it has caught up to offense 06:00 How & why did you get into the military? 07:45 Nobody feels the acute impact of politics more than military members 09:00 Impact of Vietnam on Paul’s father & family 11:00 Anyone eligible for the draft in Vietnam were obsessive over details 12:30 No Vietnam vet ever won the presidency, but came close 14:15 Scars from Iraq/Afghanistan haven’t affected politics like Vietnam did 14:45 All-volunteer military is good for military but terrible for democracy 15:30 Shunning NATO would have been unthinkable just a decade ago 16:15 Worried about military recruiting under Pete Hegseth 17:00 Hegseth is waging a culture war from the Pentagon 18:15 Recruiting tactics are recruiting a very specific type of candidate 19:30 Changes in policy are politicizing the military & changing culture 20:45 Hegseth is prioritizing & promoting christianity at the Pentagon 21:15 Trump has the most powerful military & can do what he wants with it 21:45 Most dangerous thing Trump can do is invoke Insurrection Act 22:30 Pentagon press corp has been replaced with propogandists 24:45 The only thing checking Trump is himself & Chairman of Joint Chiefs 26:00 Trump has been more strategic this term, & is ahead of schedule 27:30 Military culture & families historically tend to lean right politically 28:45 Many veterans remain politically unaffiliated 29:45 We haven’t elected a military veteran since George H.W. Bush 30:45 Combat service gives you a true sense of the cost of war 32:30 Washington & Eisenhower closest to being “independent” presidents 33:45 Efforts to get veterans elected to local/state office 36:00 Independents have their leanings but reject the two parties 38:00 A true independent could be the most powerful member of senate 38:45 4-6 independent’s could be a moderating fulcrum in senate 40:30 Even two independents breaking with their caucus would be huge 43:00 How can each party appeal to independent veterans? 46:00 Every voter should declare independence, gives them more power 47:00 Balancing creating vs. ingestion working in independent media 50:00 National security is a great clarifier when consuming news 51:15 Waking up early is the best way to avoid distractions 52:30 Israel’s citizen-military culture creates a lot of activism 53:30 Instability created by Trump has engaged the electorate 55:45 ICE has made the danger posed by administration very immediate 56:45 If running for office was viable for independents, Paul would consider it 58:30 Veterans that want to service should run for office, not join ICESee omnystudio.com/listener for privacy information.

How risky is commercial property, really – and how long do buildings actually sit empty?In this episode, Ed and Andrew break down the real vacancy risk in commercial property and why the numbers you see in reports can be seriously misleading if you don't know how to read them properly.You'll learn:How long commercial properties really sit vacant The 3 main types of commercial property, and which one consistently has the lowest vacancy riskWhat actually drives vacancy This is a must-listen if you're considering commercial property – or want to avoid the costly mistakes many investors make by trusting the wrong numbers.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account and Wealth Plan here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠

Is Strategy actually doing nothing or is digital credit the product? This episode analyzes Strategy's Q4 2025 earnings call and explains why its perpetual preferred equity avoided margin calls, liquidations, and maturity risk. Pierre Rochard and Spencer Nichols break down why digital credit products like Stretch held near par while bitcoin drew down sharply. From credit ratings and cash buffers to Bitcoin-backed lending and quantum risk, this episode reframes what a Bitcoin treasury company really is.

A Wisconsin utility is seeking custom electric rates for a data center project. The application hides key details from the public. A Republican leader says a deal on property taxes […]

Director of Global Macro Strategy at StoneX Vincent Deluard explains his three-bubble thesis for 2026, why tax receipts reveal stronger nominal growth than headline data, how fiscal stimulus could fuel a second inflation wave, the Fed's likely policy path under Kevin Warsh, and why international diversification matters more than ever. Enjoy! __ Follow Vincent: https://x.com/VincentDeluard Follow Felix: https://x.com/fejau_inc Follow Forward Guidance: https://twitter.com/ForwardGuidance Follow Blockworks: https://twitter.com/Blockworks_ Forward Guidance Telegram: https://t.me/+CAoZQpC-i6BjYTEx Join us at Digital Asset Summit 2026 in NYC March 24-26th! Use code FORWARD200 for $200 OFF! https://blockworks.co/event/digital-asset-summit-nyc-2026 __ Grayscale offers more than 30 different crypto investment products. Explore the full suite at grayscale.com. Invest in your share of the future. Investing involves risk and possible loss of principal. https://www.grayscale.com/?utm_source=blockworks&utm_medium=paid-other&utm_campaign=brand&utm_id=&utm_term=&utm_content=audio-forwardguidance Coinbase crypto-backed loans, powered by Morpho, enable you to take out loans at competitive rates using crypto as collateral. Rates are typically 4% to 8%. Borrow up to $5M using BTC as collateral and up to $1M using ETH as collateral. Manage crypto-backed loans directly in the Coinbase app with ease. Learn more here: https://www.coinbase.com/onchain/borrow/get-started?utm_campaign=0126_defi-borrow_blockworks_FG&marketId=0x9103c3b4e834476c9a62ea009ba2c884ee42e94e6e314a26f04d312434191836&utm_source=FG — Timestamps: 00:00 Introduction 02:28 2026 Growth Acceleration, Taxes & Fiscal Policy 13:15 Ads (Grayscale) 19:32 Monetary Policy, Kevin Warsh & Inflation 24:33 AI CapEx Boom, Energy Demand & Growth 29:54 Ads (Grayscale, Coinbase) 40:27 Geopolitics, Energy & Global Allocation 47:48 Commodities & Precious Metals 51:30 Final Thoughts __ Disclaimer: Nothing said on Forward Guidance is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are opinions, not financial advice. Hosts and guests may hold positions in the companies, funds, or projects discussed. #macro #investing #markets #bubble #stocks #stockmarket

In today's pod we grade all 10 head coaches that were hired this offseason! I hope you enjoy! Please leave a 5 star rating if you did! TWITTER: https://mobile.twitter.com/FBallAnalysisYT     Welcome to the Football Analysis Podcast! Subscribe for all NFL related content!      #nfl #nflfootball #football #nfldraft       Support Us By Supporting Our Sponsors!   Save 55% on your first box of The Pets Table, PLUS 10% off your next 2 boxes with code ANALYSIS55 at https://bit.ly/4qDpHWG   Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/GFB. Application times may vary. Rates may vary.     Download PrizePicks here! https://prizepicks.onelink.me/ivHR/GFB CODE: GFB   Arena Club: 20% off your first Slab Pack or card purchase by going to https://arenaclub.com/GFB and use code GFB.    Bear Mattress: Click here https://bearmattress.com/analysis and use analysis to get 40% off your mattress + 2 free pillows. Offers are subject to change.   Gametime: Download the Gametime app (https://gametime.co/) and redeem code ANALYSIS for $20 off your first purchase (terms apply)    

Send Katie a Text Message!! You raised your rates.You updated your website.You had the uncomfortable conversations.And you thought, This is it. This is the turning point.But you're still working just as much. Maybe more.If that's you, this episode of Success by Design is going to hit home.In this conversation, I break down why raising your interior design fees is often necessary — but never the magic fix everyone promises. Higher pricing doesn't automatically create more freedom. In fact, without the right structure, it can actually create more pressure.We talk about:Why pricing is a multiplier, not a solutionHow higher-paying clients come with higher expectationsThe real reason your margin may still be leaking (scope creep)Why freedom is created by structure — not revenueTwo designers can charge the same rates and have completely different experiences. The difference isn't talent. It's systems, boundaries, and decision ownership.If you've quietly wondered whether raising your rates was a mistake, this episode will give you clarity.Because your business should be working for you — not the other way around.Connect with Katie LinkedInBusiness Strategy Sessions for Interior Designers Free Resources for scaling your interior design firmWebsite

In this episode, Chuck Todd breaks down a rapidly shifting 2026 political landscape beginning with Susan Collins’ decision to seek re-election in what could become the toughest race of her career, a contest that may prove pivotal in a potentially tied Senate where Democrats could even attempt to court Lisa Murkowski. Chuck explores how Collins’ choice reshapes the map, why an open Maine seat would have favored Democrats, and how outsider candidates like Graham Platner may challenge both party establishments. The conversation widens to key battleground developments in Texas and Florida, including Alexander Vindman’s Senate bid and the risks of divisive primaries, while Republicans face mounting structural challenges and a slipping grip on the House. Chuck also examines why Democrats are expanding their target map, what could still derail a major Democratic wave, and the intensifying fight over voting legislation like the SAVE Act—arguing that partisan “poison pills” have deepened gridlock and made meaningful compromise in Washington increasingly rare. Then, Chuck sits down with John Conyers III to discuss his deeply personal memoir "My Father's House." Far from a typical political biography, this book offers a raw, unflinching look at what it's like to grow up as the son of legendary civil rights congressman John Conyers Jr.—inheriting a legacy you never chose and navigating between worlds of poverty and power. John opens up about the family betrayal that triggered his father's 2017 resignation, the complicated truth about Rosa Parks' final years, and his own journey from the music industry to confronting his predetermined path. This isn't hagiography or exposé—it's a son trying to understand how a public giant could be both indispensable to a movement and deeply flawed in private. The conversation ranges from the intimate—John's anger at having expectations placed on him, his career as a songwriter and producer—to broader questions about how we reckon with complicated heroes, from his father to MLK to LeBron James. Todd and Conyers explore Detroit's cultural legacy, the emotional toll of creative work, and what it means to accept the full humanity of the figures we elevate. It's a fascinating discussion about legacy, identity, and the cost of living in a house built by history, featuring unexpected detours into NBA debates and why Detroit will always be a cultural exporter, not an importer. Finally, Chuck gives his ToddCast Top 5 crazy things that used to be LEGAL in politics and a bonus Top 5 list of things that shouldn’t be. Plus, he answers listeners’ questions in the “Ask Chuck” segment. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 03:30 Susan Collins announces she’ll run for re-election 04:15 2026 will be the toughest race Collins has ever faced 05:15 In a 50-50 senate, Dems will court Murkowski to flip parties 06:00 Trump doesn’t court challengers for Susan Collins 08:30 Had Collins not sought re-election, it’s a guaranteed Dem win 10:00 Platner will be able to run against both party establishments 11:15 Developments in Texas have been terrible for Republicans 11:45 Surprising that Turning Point would tie themselves to Ken Paxton 13:00 The last things Dems need is a racially divisive primary in TX 13:45 Alexander Vindman joins Florida senate race 16:30 Vindman fits profile of Dem that can win in a light red state 17:30 The house has slipped away from GOP, can they hold the senate? 18:45 It would take a major outside event to change environment for GOP 20:00 Dems add new seats to their target list 21:45 Only thing standing between Dems & huge win is their nominees 23:30 Republicans are trying to shove through the SAVE Act 24:15 SAVE Act unnecessarily complicates trying to vote 25:30 SAVE Act & HR1 were loaded with poison pills 26:30 Neither side willing to compromise to pass these bills 28:15 Poison pills were features, not bugs 37:30 John Conyers III joins the Chuck ToddCast 38:45 The unexpected insider account 40:00 Caught between two worlds 41:00 The book that almost wasn't 41:45 The breaking news that changed everything 43:15 Family betrayal and the leak 44:00 The conversation that never happened 45:15 Identity wrapped in work 48:45 Rosa Parks and the untold story 53:15 The anger of expectations 1:00:45 Watching power up close 1:09:15 The music business years 1:17:00 Detroit's cultural legacy 1:21:45 The complications of heroism 1:28:00 MLK's complexity and humanity 1:35:00 Detroit's next cultural chapter 1:36:00 NBA talk: The Pistons and Giannis 1:38:00 LeBron's impossible standard 1:40:00 Magic Johnson's underrated legacy 1:41:45 Chuck’s thoughts on interview with John Conyers III 1:42:15 A few changes to law drove wave of congressional retirements 1:45:45 ToddCast Top 5 crazy things that used to be LEGAL in politics 1:46:30 #5 Corporations used to be able to give directly to candidates 1:48:15 #4 Party machines openly bought votes 1:49:00 #3 Federal jobs used as campaign currency 1:50:45 #2 Candidates could accept unlimited, anonymous cash 1:52:00 #1 Candidates could keep their war chest after leaving office 1:52:45 Top 5 list of legal things in politics that should be made illegal 1:53:15 #5 Members of congress trading stocks 1:55:30 #4 Leadership PACs 1:56:15 #3 Lobbyist bundling 1:57:30 #2 Members of congress can negotiate a future job & still vote 1:59:00 #1 Presidential pardon power 2:01:00 Ask Chuck 2:01:15 Can Trump be unpopular and still be a populist? 2:03:00 What happened to the Supreme Court tariffs case? 2:04:45 Sharice Davids eyeing a run for senate? 2:06:45 How can we heal as a country while swamped with divisive content? 2:09:30 How could the media better explain the levels of Trump’s corruptionSee omnystudio.com/listener for privacy information.

In this episode, Chuck Todd breaks down a rapidly shifting 2026 political landscape beginning with Susan Collins’ decision to seek re-election in what could become the toughest race of her career, a contest that may prove pivotal in a potentially tied Senate where Democrats could even attempt to court Lisa Murkowski. Chuck explores how Collins’ choice reshapes the map, why an open Maine seat would have favored Democrats, and how outsider candidates like Graham Platner may challenge both party establishments. The conversation widens to key battleground developments in Texas and Florida, including Alexander Vindman’s Senate bid and the risks of divisive primaries, while Republicans face mounting structural challenges and a slipping grip on the House. Chuck also examines why Democrats are expanding their target map, what could still derail a major Democratic wave, and the intensifying fight over voting legislation like the SAVE Act—arguing that partisan “poison pills” have deepened gridlock and made meaningful compromise in Washington increasingly rare. Finally, Chuck gives his ToddCast Top 5 crazy things that used to be LEGAL in politics and a bonus Top 5 list of things that shouldn’t be. Plus, he answers listeners’ questions in the “Ask Chuck” segment. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 01:30 Susan Collins announces she’ll run for re-election 02:15 2026 will be the toughest race Collins has ever faced 03:15 In a 50-50 senate, Dems will court Murkowski to flip parties 04:00 Trump doesn’t court challengers for Susan Collins 06:30 Had Collins not sought re-election, it’s a guaranteed Dem win 08:00 Platner will be able to run against both party establishments 09:15 Developments in Texas have been terrible for Republicans 09:45 Surprising that Turning Point would tie themselves to Ken Paxton 11:00 The last things Dems need is a racially divisive primary in TX 11:45 Alexander Vindman joins Florida senate race 14:30 Vindman fits profile of Dem that can win in a light red state 15:30 The house has slipped away from GOP, can they hold the senate? 16:45 It would take a major outside event to change environment for GOP 18:00 Dems add new seats to their target list 19:45 Only thing standing between Dems & huge win is their nominees 21:30 Republicans are trying to shove through the SAVE Act 22:15 SAVE Act unnecessarily complicates trying to vote 23:30 SAVE Act & HR1 were loaded with poison pills 24:30 Neither side willing to compromise to pass these bills 26:15 Poison pills were features, not bugs 35:00 A few changes to law drove wave of congressional retirements 38:30 ToddCast Top 5 crazy things that used to be LEGAL in politics 39:15 #5 Corporations used to be able to give directly to candidates 41:00 #4 Party machines openly bought votes 41:45 #3 Federal jobs used as campaign currency 43:30 #2 Candidates could accept unlimited, anonymous cash 44:45 #1 Candidates could keep their war chest after leaving office 45:30 Top 5 list of legal things in politics that should be made illegal 46:00 #5 Members of congress trading stocks 48:15 #4 Leadership PACs 49:00 #3 Lobbyist bundling 50:15 #2 Members of congress can negotiate a future job & still vote 51:45 #1 Presidential pardon power 53:45 Ask Chuck 54:00 Can Trump be unpopular and still be a populist? 55:45 What happened to the Supreme Court tariffs case? 57:30 Sharice Davids eyeing a run for senate? 59:30 How can we heal as a country while swamped with divisive content? 1:02:15 How could the media better explain the levels of Trump’s corruptionSee omnystudio.com/listener for privacy information.

Here is our fourth and final episode in our four-part series on rates. And of course, it is about how to raise yours if and when you need to … or want to! Raising your rates does not require a dramatic announcement, a bold personality shift, or a confrontational conversation. If you are stuck charging a rate you aren't happy with, you probably feel all three of those things. And if so, then I'm glad you are listening in today. Today let's talk about how raising your rates can feel calm, professional, and grounded when it is done from the right place. Over this mini series, we have talked about: Why your rates are not the real problem What clients actually think about your pricing The hidden cost of undercharging And now, how to raise your rates without burning bridges. If pricing has been a recurring struggle for you, this is your sign to start looking at yours. For a sustainable business you need solid rates. So now is the time! If you have been taking lots of notes throughout this four-part podcast series, that should tell you something important! I want to remind you too, that just because you are struggling with rates it doesn't mean you are doing something wrong. All it means is your rates don't match your services. Or your level of expertise. That's why I'm running a live Packages Workshop in a few weeks. In this workshop, we're going to work on your actual rates. Your best services. How to price those so you can speak really confidently to clients about them. So you can sign them. If you're ready for pricing to feel simpler, clearer – and much more in line with the value you provide to your clients, you need to register for this workshop. You can find all the details right here - or drop me a DM and I'll send you the link. I'm here to help – it's the only reason I'm here at all – to help you become a ridiculously good virtual assistant. I'll leave you here for this week, thanks so much for tuning in. I'm Tracey D'Aviero, The Confidence Coach for VAs - and I'll see you next time!

Most freelancers discover their real rates are 30% to 50% lower than they think. I'm breaking down the math behind real freelancer rates in 2026. If you think you're making $50 an hour, you're likely making much less when you factor in the "just a quick question" Slack messages and the administrative black hole of invoicing.This episode is a reality check to help you face your numbers and stop trading your sanity for $15 an hour. Knowing your numbers is power, and knowing your numbers is profit. It's time to find out if your business is actually sustainable or if you're just paying for the privilege of being busy.Listen to learn more aboutHow to calculate your minimal acceptable rate (MAR) so you know exactly when to say no to a low-balling clientThe math behind your Effective Hourly Rate per client and why tracking non-billable hours is the only way to see your real profitWhy you need to stop acting like a commodity and start using value-based pricing for your packagesHow to identify "hidden time killers" like scope creep and those never-ending meetings that eat your marginsStop guessing and start tracking your effective hourly rate so you can stop working for "Chick-fil-A wages" and start building a profitable business that respects your time.Sponsored by Wispr Flow*Write and prompt faster with this voice-to-text AI tool that turns speech into clear, polished writing in every app. I'm using Wispr Flow to talk out emails, client replies, and AI prompts instead of typing everything. It's one of my top tech tool recommendations and a real time-saver in my “4 hours of prime work time” mom life. Try Wispr Flow here**my affiliate linkLinks Mentioned:Join us for The Premium Package Workshop: A two-hour live intensive where we'll build your expert-level packages and set your 2026 pricing that positions you as the obvious choice. I'm teaching you the exact framework I use in my private consulting sessions to help service providers go from hourly scrambling to confident, professional pricing they can actually stand behind. February 26, 11am-1pm ET

Cape Town Mayor Geordin Hill – Lewis speaks to John Maytham about a new by–law about short-term letting – soon to be opened for public comment. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

SPONSORS: - Sponsored by Pepsi. Go try Pepsi Zero Sugar today. Let Your Taste Decide. - Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/BEARS. Application times may vary. Rates may vary. - Get 10% off your first month of BlueChew Gold with code BEARS at https://bluechew.com - Sign up for your one-dollar-per-month trial and start selling today at https://shopify.com/bears - Sponsored by BetterHelp. BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at https://BetterHelp.com/bears - Head to https://factormeals.com/bears50off and use code bears50off to get 50 percent off and free breakfast for a year. - Get up to 55% off at https://Babbel.com/BEARS. This week on Two Bears, One Cave, Tom Segura and Bert Kreischer spiral gloriously through brand loyalty, fast-food hot takes, donuts, Super Bowl commercials, health scares, and the kind of brutally honest conversations only best friends can have. The Bears break down why Pepsi Zero Sugar might actually be better than Coke Zero, debate McDonald's fries vs. literally everyone else, and revisit classic brand wars like Burger King vs. McDonald's and Dunkin' vs. Krispy Kreme. From Blooming Onion horror stories to why you should never order seafood at a steakhouse, this episode is packed with food takes that will absolutely start arguments. Bert also opens up about his recent blood clot scare, panic attacks, medications, and how the experience completely shifted his perspective on health, mortality, and gratitude. The guys also talk sleep apnea machines, Benadryl addictions, Mounjaro side effects, testosterone confusion, and why medical advice somehow never agrees ever. Plus: donut shop conspiracies in Los Angeles, Cambodian vs. Vietnamese sandwich excellence, Krispy Kreme's wild history, Instagram's “fatties eating” algorithm, tracking down Ari Shaffir in the jungle, and why the 2 Bears 5K might literally save lives. 2 Bears, 1 Cave Ep. 324 https://tomsegura.com/tour https://www.bertbertbert.com/tour https://store.ymhstudios.com Chapters 00:00:00 - Intro 00:00:06 - Brand Wars 00:07:07 - Weight Loss Drugs 00:14:58 - Pepsi Challenge 00:22:40 - I Bought A Donut Shop 00:39:22 - Coin Pusher 00:40:54 - 2 Bears 5K Is Back! 00:45:13 - Bert's Blood Clot 00:49:38 - Where In The World Is Ari Shaffir? 00:54:39 - Black Appreciation 01:00:41 - Wrap Up Learn more about your ad choices. Visit megaphone.fm/adchoices

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 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  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   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   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   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  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   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. 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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   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

This week, Charles Yoo-Naut joins the show to unpack Rain's explosive growth and what's next for crypto payments. We deep dive into the Rain origin story, their recent $250M fundraise, partnering with Visa, who wins the crypto card race, how Rain grew to a $2B company, and more. Enjoy! -- Follow Charles: https://x.com/cnaut Follow Jason: https://x.com/JasonYanowitz Follow Empire: https://x.com/theempirepod -- Coinbase crypto-backed loans, powered by Morpho, enable you to take out loans at competitive rates using crypto as collateral. Rates are typically 4% to 8%. Borrow up to $5M using BTC as collateral and up to $1M using ETH as collateral. Manage crypto-backed loans directly in the Coinbase app with ease. Learn more here: https://www.coinbase.com/onchain/borrow/get-started?utm_campaign=0126_defi-borrow_blockworks_empire&marketId=0x9103c3b4e834476c9a62ea009ba2c884ee42e94e6e314a26f04d312434191836&utm_source=empire -- "Mantle Global Hackathon 2025 is live! Running from Oct 22 to Dec 31, Mantle invites builders to design the future of Real-World Assets (RWAs) on its modular L2 stack. Key Highlights: - $150,000 Prize Pool + Grants & Incubation opportunities - Access to Bybit's 7M+ verified users - Judges from Bybit Ventures, Spartan, Animoca Brands - 6 Tracks: RWA/RealFi, DeFi, AI, ZK, Infra, GameFi Join the Hackathon: https://www.hackquest.io/vi/hackathons/Mantle-Global-Hackathon-2025" -- This Empire episode is brought to you by VanEck. Learn more about the VanEck Onchain Economy ETF (NODE): http://vaneck.com/EmpireNODE An investment in the Fund involves a substantial risk and is not suitable for all investors. It is possible to lose your entire principal investment. The Fund may invest nearly all of its net assets in either Digital Transformation Companies and/or Digital Asset Instruments. The Fund does not invest in digital assets or commodities directly. Digital asset instruments may be subject to risks associated with investing in digital asset exchange-traded products (“ETPs”), which include the historical extreme volatility of the digital asset and cryptocurrency market, as well as less regulation and thus fewer investor protections, as these ETPs are not investment companies registered under the Investment Company Act of 1940 (“1940 Act”) or commodity pools for the purposes of the Commodity Exchange Act (“CEA”). Investing involves substantial risk and high volatility, including possible loss of principal. Visit vaneck.com to read and consider the prospectus, containing the investment objective, risks, and fees of the fund, carefully before investing. © Van Eck Securities Corporation, Distributor, a wholly owned subsidiary of Van Eck Associates Corporation. -- Uniswap's Trading API offers plug-and-play access to deep onchain and off-chain liquidity, delivering enterprise-grade crypto trading without the complexity - from one of the most trusted teams in DeFi. Click to get started with seamless, scalable access to Uniswap's powerful onchain trading infrastructure. https://hub.uniswap.org/?utm_source=blockworks&utm_medium=podcast&utm_campaign=ww_web_bw_awa_trading-api_20251117_podcast_clicks -- Timestamps: (00:00) Introduction (00:52) The Rain Origin Story (15:23) Partnering With Visa (30:05) The Opportunity In Emerging Markets (36:48) Ads (Coinbase, Mantle, VanEck, Uniswap) (40:16) The Crypto Card Race, Agentic Payments & Onchain Credit (48:00) What Chains Does Rain Work With? (53:28) Rain's Journey To Raising $250m (01:03:00) How Rain Grew To A $2B Company -- Disclaimer: Nothing said on Empire is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Santiago, Jason, Rob and our guests may hold positions in the companies, funds, or projects discussed.

Luca Pedretti, Co-Founder, Pexapark, returns to discuss how volatility, market design, and new contract structures are transforming power markets and renewable economics. What begins with PPA pricing quickly evolves into a broader conversation about where value is now created in the clean energy system.We start with the growing importance of IFRS 13 fair value accounting. In increasingly volatile markets, long-term forecasts are no longer sufficient. Market-implied PPA prices are moving faster than fundamentals and are becoming a key signal for future capture rates and risk, forcing investors to reassess how renewable assets are valued.The discussion then turns to Flexibility Purchase Agreements (FPAs), including tolls and floors for batteries. FPAs reflect a fundamental shift from generation toward flexibility and optimisation, as renewable-heavy systems face cannibalisation, negative prices, and widening price spreads.With clean sources now accounting for nearly half of EU power generation, these side effects are becoming structural. Solar capture rates have dropped sharply in markets such as Germany, negative prices now occur in thousands of hours across Europe, and curtailment and balancing costs are rising. Batteries have become the system's primary response.We also explore how the buyer landscape is shifting. Hyperscalers and data centres are increasingly driving private PPAs, utilities are regaining relevance through trading and optimisation, and stand-alone renewable PPAs are showing signs of saturation. Despite this, capital deployment across clean energy continues to grow, signalling a reallocation of value rather than a slowdown.The conversation concludes with a look ahead. Many renewable assets financed under merchant assumptions are now misaligned with today's pricing reality. Battery tolls and floors are scaling quickly, consolidation among IPPs is accelerating, and capture rates remain unstable. The open question remains whether any buyers are willing to pay a green premium for co-located and hybrid projects in a market where flexibility has become central to value creation.Link to Pexapark reportsIPPs:https://go.pexapark.com/next-gen-ipp-playbookRenewables Market Outlook 2026 - The Big Repricing: How volatility and BESS reshape clean energy markets (PPAs and FPAs): https://go.pexapark.com/market-outlook-2026  

If you've built significant wealth in your investment portfolio, you may have more flexibility than you think. In this episode, Emily Harper, CFP(R) joins the show to talk about how borrowing against your portfolio actually works—including margin loans and pledged asset lines of credit (PALs)—and why many high-net-worth investors use them as strategic tools for liquidity and tax planning. We cover when these strategies can make sense, where the risks lie, and what to consider before tapping your portfolio for cash. From managing short-term cash needs to avoiding unnecessary portfolio sales, this conversation is all about using your wealth intentionally and keeping your options open. Have a question you'd like us to answer on a future episode? Email us at offthewall@monumentwm.com.         Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 — Reason to borrow from your portfolio 1:50 — Tax-aware reasons investors choose borrowing over selling 4:20 — Real-world cash flow situations where this actually matters 6:55 — Margin basics: how it works and common use cases 10:40 — Margin risks, interest costs, and forced-sale scenarios 14:45 — Pledged asset lines explained and how they differ from margin 18:10 — Rates, spreads, pricing power, and trade-offs 24:20 — Planning payments, payoff strategy, and optionality going forward Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   Check out our Between Sips Podcast: Where Money Meets Meaning Because money without meaning never feels like wealth. https://monumentwealthmanagement.com/between-sips-podcast/   About "Off the Wall":    Markets are noisy. Your time is limited. Off The Wall cuts through the clutter. Hosts Dave Armstrong, CFA and Nate Tonsager, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com   

In today's pod we do a 2026 NFL mock draft post super bowl! I hope you enjoy!     TWITTER: https://mobile.twitter.com/FBallAnalysisYT     Welcome to the Football Analysis Podcast! Subscribe for all NFL related content! Please drop 5 star rating if you enjoyed the pod as all support is very much appreciated! Thanks for listening!     #nfl #nflfootball #football #nfldraft     Support Us By Supporting Our Sponsors!   Save 55% on your first box of The Pets Table, PLUS 10% off your next 2 boxes with code ANALYSIS55 at https://bit.ly/4qDpHWG   Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/GFB. Application times may vary. Rates may vary.   Download PrizePicks here! https://prizepicks.onelink.me/ivHR/GFB CODE: GFB   Arena Club: 20% off your first Slab Pack or card purchase by going to https://arenaclub.com/GFB and use code GFB.    Bear Mattress: Click here https://bearmattress.com/analysis and use analysis to get 40% off your mattress + 2 free pillows. Offers are subject to change.   Gametime: Download the Gametime app (https://gametime.co/) and redeem code ANALYSIS for $20 off your first purchase (terms apply)    

Show Notes - Episode 143Recorded: 3 February 2026Released: 8 February 2026Episode DescriptionJack the Insider (Joel Hill) and Hong Kong Jack tackle the RBA's surprise interest rate hike, the coalition's post-election implosion, and dive deep into the Epstein files fallout. From Gaza peace plans to Japanese economic roller coasters, plus Carlton's dodgy pre-season training—it's all here.Timestamps & Topics00:25 - Welcome & RBA Breaking NewsThe Reserve Bank hikes interest rates by 0.25 percentage points as predicted, with markets forecasting two more increases this year in response to 3.8% inflation.01:29 - Interest Rates: The Blunt InstrumentDiscussing government spending as the inflation driver and the uneven effects of rate hikes on mortgage holders versus savers.03:35 - Trump vs The FedHow the US Federal Reserve dropped rates under pressure from Trump despite similar inflation to Australia, and the risks of economic overheating.05:22 - Blame the Barmy Army?A tongue-in-cheek theory from KO: Did England's cricket supporters spending during the Ashes tour drive up inflation to 3.8%?06:49 - Cocaine EconomicsAustralia's most expensive drugs in the world, Rugby World Cup memories, and why Western Australia pays double.08:38 - Coalition Chaos: Nationals Hold OnDavid Littleproud's leadership survives as spill motion fails, but Andrew Hastie drops out of Liberal leadership race.09:33 - The Oxford ConnectionAngus Taylor, Tony Abbott, and Australia's history of Oxford-educated prime ministers—from Gorton to Turnbull.10:09 - Angus Taylor's Shadow Treasurer StrugglesTroy Bramston's scathing assessment of Taylor's poor performance and lost economic credibility for the Coalition.11:37 - Coalition Split ContinuesLittleproud rejects reconciliation attempts while Sussan Ley remains Liberal leader, with potential "none-of-the-above" candidates waiting in the wings.12:13 - Listener Ray on Electoral MathThe great compulsory preferential voting debate: why the Nationals win 15 seats on 3% of first preferences while Greens get one seat on 12%.14:26 - Anthony Green's PatienceThe legendary election analyst educates Twitter on how Labor would have won 85 seats under first-past-the-post voting.15:26 - One Nation's Coalition TargetsAnthony Green's analysis reveals 20 Liberal and National seats at risk from One Nation, with only five Labor seats vulnerable.17:27 - Could One Nation Replace the Nationals?Exploring the possibility of a major conservative realignment, with potential Nationals MPs considering defection.19:35 - What Do the Nationals Stand For?From "agrarian socialists" to today's identity crisis—the party that used to represent farmers now struggles to define its purpose.21:05 - Anti-Semitic Abuse at Sydney UniversityFormer staff member Rose Nakard faces court on stalking and intimidation charges for allegedly calling Jewish students "fucking filthy Zionists" and "parasites."24:45 - Community Response Over LegislationWhy community rejection of hate speech matters more than criminalising phrases like "globalise the intifada," and the problems with new laws affecting police discretion.27:21 - $25 Billion Hospital and NDIS DealAlbanese and state premiers sign massive health funding package while agreeing to limit NDIS growth to 6% or less.28:21 - Autism and the NDIS DebateMoving mild forms of autism out of NDIS into schools—sensible reform or cost-shifting? Only 23% of NDIS costs despite larger recipient numbers.29:38 - The NDIS Needs a Medicare-Style RethinkComparing the transition from Medibank to Medicare: why the NDIS needs root-and-branch reform, not just tinkering.31:03 - Chronic Illness Left OutPeople with ME, CFS, MS, and fibromyalgia struggle to access NDIS support while other areas may be over-serviced.33:26 - Spain's Migrant AmnestySpain grants legal status to 500,000 undocumented migrants—stark contrast to anti-immigration sentiment across Europe.35:48 - Epstein Files: 3 Million PagesTwo million documents missing, Kevin Rudd brushes off Epstein's name-dropping, and Peter Mandelson's career implodes.36:36 - What Was Epstein's Business?Unpacking the mystery: Victoria's Secret rip-off, half-billion-dollar investment clients, and the missing financial footprint.38:22 - Mandelson in His UnderpantsThe former UK ambassador to the US photographed with young woman, now "unemployable"—very odd for a gay man.39:22 - Chomsky, Woody Allen, and Strange Dinner PartiesThe inexplicable nature of intellectuals dining with Epstein, and Brett Ratner's creepy Epstein photos despite #MeToo allegations.42:33 - Clintons Agree to TestifyBill Clinton offers four-hour congressional interview, Hillary to make sworn statement about Epstein connections.43:28 - Andrew and Mandelson Under PressurePrince Andrew pushed to testify while Mandelson faces questions about unexplained £75K payments and acting as Epstein's lobbyist while a cabinet minister.46:15 - Put Your Pants On for PhotosWhy do old blokes keep getting photographed in their underwear with Epstein? A plea for sartorial sense.48:13 - Board of Peace: Trump's $1 Billion ClubExplaining Trump's confusing Gaza oversight initiative: permanent seats cost US$1 billion paid into Trump-managed accounts, not US Treasury.50:35 - Russia, Saudi Arabia, and the StansThe "very nice countries" signing onto the Board of Peace, while Europe says no en masse and Canada gets uninvited after Carney's tariff speech.51:56 - UAE Taking Control of GazaMore important than the Board of Peace: United Arab Emirates moving to run Gaza's civilian administration with Israeli and US backing.52:24 - Spain's 500,000 Migrant AmnestySouthern European states bearing the brunt of arrivals while finding their own solutions—Italy's Albania processing reduces numbers by 60%.53:50 - France's Budget Finally PassesAfter four months of deadlock, Macron's government gets budget through with no-confidence motions failing, bringing rare stability.54:42 - Global Energy Prices: Ireland Tops the ListHousehold electricity costs compared: Ireland, Italy, and Belgium most expensive in Europe; Russia at just 7 cents per kilowatt hour versus Australia's 26 cents.56:31 - Canadian Energy: 12 Cents Per Kilowatt HourMark Carney's priority to reduce energy costs in Canada, currently lower than the US at 12.5 cents.57:50 - European GDP: Tepid GrowthGermany, UK, and France stuck around 1-1.5% growth, with Spain and Portugal outperforming at 2.5%, while Russia posts 4% driven entirely by military spending.59:59 - Russia's War Economy TrapWith 2% unemployment, 8% inflation, and 20% interest rates, Russia's 4% GDP growth masks an economy with "nothing to go for it" without the war.01:02:19 - Why Would Russia End the War?No economic incentive to stop fighting when military spending drives the economy and ending the war means economic collapse and regime change risk.01:04:22 - European Army TalkGermany and France push controversial European army concept alongside NATO—bad idea with chain of command issues, likely won't happen.01:07:38 - Japan's Liz Truss MomentPM Takeichi's tax and spending pledges spook markets: ¥5 trillion revenue shortfall, £137 billion stimulus, cash handouts, and approval ratings sliding from 75% to 58%.01:10:23 - Chagos Islands: The Deal That Won't DieBritish Indian Ocean Territory dispute: Diego Garcia military base, Mauritius sovereignty claims, and why the US and Australia oppose the UK deal.01:13:48 - France's Immigration RhetoricMarine Le Pen's inflammatory language about asylum seekers, and why "remigration" policies face huge practical and legal obstacles.01:16:28 - London Murder Prosecutions at 13-Year LowOnly 39% of murders result in charges as London's crime crisis deepens, despite accusations of two-tier policing favouring establishment figures.01:19:23 - Melania: The MovieBrett Ratner's documentary earns $8 million in the US against $40 million production costs—but it's about access to Trump, not profit.01:22:38 - Australian Open: Record NumbersWomen's final delivers 3.8 million viewers (up 30% from 2024), total tournament audience up 9.3% to 14.3 million, cementing status as global sporting event.01:26:39 - Usman Tariq's Unusual ActionPakistani spinner's legal but confounding bowling: shuffle-shuffle-stop-bowl delivery frustrates Cameron Green and raises eyebrows.01:28:58 - Should Steve Smith Play T20?Mark Waugh says yes—36-year-old leg-spinner/batsman is Australia's best player. Missing Tim David as Pakistan dominates the series.01:31:24 - Carlton's Training Video DisasterDropped marks and out-of-bounds kicks in pre-season footage—but fans' hope springs eternal until about May.01:32:07 - King Street Chair-Throwing MemeBloke throws chair at bouncers, accidentally knocks out his mate instead. Victorian government announces "toughest chair laws in Australia." Stand up, Victoria.

Every day, we pull real pricing from 30+ lenders to show what you actually qualify for — plus lock vs. float guidance and a clear breakdown of the Fed, CPI, Jobs, MBS, and the 10-Year Treasury.Transparent. Data-driven. No hype.

In a time of economic chaos, how can mortgage brokers give clients advice they can actually trust?   Dave Larock returns to break down the uncertainty dominating global markets and what it means for Canadian mortgage clients. If you've ever hesitated when a client asks, “Should I go fixed or variable?”, this episode will help you sharpen your answer.    Dave doesn't claim to know the future, but he does offer a clear-eyed view of what matters most right now.   What We Cover in This Episode: Fixed vs. Variable Today – Why Dave's seeing most clients choose fixed, and how he frames the decision. Uncertainty Is the Point – What the Bank of Canada's latest messaging really signals. The U.S. Wildcard – How political instability down south could ripple into Canadian rates. Manulife One Marketing Myths – Why Dave cautions clients about what sounds too good to be true. Better Reading, Faster Thinking – The information sources Dave relies on and how to shortcut your own learning.   We don't need perfect predictions. We need clear thinking, calm communication, and the discipline to focus on what we can control. That's how you build trust and a great business in uncertain times.   To connect with Dave, check out the links below: Instagram Facebook LinkedIn https://www.integratedmortgageplanners.com/   Follow me on Instagram: www.instagram.com/scottpeckford/ I Love Mortgage Brokering: www.ilovemortgagebrokering.com Find out more about BRX Mortgage: www.whybrx.com Subscribe to my email list, Peckford's Playbook Join Mortgage Mindset Daily  I Love Mortgage Brokering is in partnership with Ownwell.  To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

In this episode, Chuck Todd reacts to the Seahawks winning the Super Bowl, then examines the political shockwaves rippling through Washington after Donald Trump’s controversial and widely condemned post about the Obamas, placing it within the broader context of Trump’s long history of racial controversies and growing unease inside his own coalition. As criticism emerges from Republican lawmakers, conservative legal voices, and even Olympic athletes, Todd explores signs that Trump’s influence may be weakening—fueled by internal party fractures, controversial foreign policy moves, and a leadership circle increasingly insulating him from reality. With a surge of congressional retirements, warning signs from special elections, and historical trends favoring the opposition party, the conversation turns to whether Republicans are heading toward a major electoral setback—and whether worsening controversies, including ongoing fallout from Epstein-related revelations, could further reshape the political landscape before November. Then, former White House Chief of Staff & Mayor of Chicago, Rahm Emanuel joins the Chuck ToddCast for a wide-ranging conversation on the forces shaping America’s political and economic future. He discusses why the 2028 election will be about what’s ahead—not what’s behind—and argues that understanding AI, energy, and the changing nature of work is now essential for anyone seeking leadership. Emanuel makes the case that education and vocational training remain the clearest pathway to the middle class, warns about declining reading proficiency, and examines what schools must do to prepare students for a rapidly evolving world. He also explores how both parties lost their way on education, why fundamentals matter, and what voters are really demanding from the system. The discussion then turns sharply to politics, power, and the health of American institutions. Emanuel weighs in on Trump-era controversies, Congress’s weakened role, and concerns about election integrity and the post-election environment. He outlines how Democrats can rebuild a winning coalition by welcoming independents and former Republicans, focusing on economic fairness, and preparing for a potential 2026 wave election. The episode closes with a global lens—covering U.S.–Israel dynamics, political polarization, wealth inequality, and whether national service could help reunite a fractured country—framing a central question: if the midterms fail to reset the trajectory, what comes next for American democracy? Finally, Chuck comments on the fallout from the mass layoffs at the Washington Post, hops in the ToddCast Time Machine to revisit the history of the Iranian revolution and answers listeners’ questions in the “Ask Chuck” segment. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 00:30 Super Bowl reaction 03:15 Bad Bunny’s halftime show was a great tour of Latin culture 04:30 The AI de-aging in the commercials is creepy 06:00 Half of the AI companies advertising likely won’t exist in 3 years 10:00 Fallout from Trump’s racist post about the Obamas 11:00 Trump’s entire history has included accusations of racism 11:45 Trump definitely made the post, Republicans push back on it 13:30 The cracks in the Trump coalition grow deeper by the week 14:30 Trump didn’t have much filter before, losing it as he ages 15:30 Olympic athletes voiced concerns & opposition to administration 16:30 Trump’s inner circle keep him in a “safe space” cocoon 17:30 In six weeks of 2026, Trump has put the GOP on the defensive 19:15 Close Trump allies in congress willing to criticize him 21:00 Conservative legal analysts rip Trump for corrupt UAE deal 23:15 Trump’s Greenland posturing turned allies against the U.S. 24:00 An electoral disaster is brewing for the Republicans 24:30 Nearing a record number of incumbents retiring from congress 27:00 Historical trends suggest massive gains for the out party 28:30 Retiring members sound like they are done with politics 29:45 Retirements will create an institutional knowledge gap 31:15 Retirements are a warning sign for disastrous upcoming election 35:00 Redistricting could create even more retirements 36:15 Two more special elections swung massively toward Democrats 37:15 Any Republican in a 59% or less Trump district is in danger 39:30 Almost no scenario where Republicans hold the house 40:45 Inconceivable that Trump recovers his approval rating by Nov. 42:30 The Epstein file releases keep getting worse and worse for Trump 56:15 Rahm Emmanuel joins the Chuck ToddCast 57:45 What does the average week look like for Rahm Emmanuel? 58:45 Trying to get a good understanding of AI & energy distribution 59:45 Candidates better understand AI because it’s driving economy 1:00:15 2028 election will be about the future not the past 1:01:45 Education and vocational training are the ticket to middle class 1:03:15 Coding used to be the most sought after skill, now it’s irrelevant 1:04:15 How to prepare students for a rapidly changing world? 1:05:45 AI won’t eliminate vocational professionals 1:07:30 Students are at a 30 year low in reading proficiency 1:08:15 Education is a highly motivating issue for voters 1:08:45 Vouchers don’t help rural communities 1:09:45 GOP has abandoned public ed, Dems abandoned accountability 1:11:00 Governors used to compete to be the “education governor” 1:11:45 Lotteries became the popular way to fund public education 1:12:30 Mississippi found a successful education model & it was copied 1:15:00 If schools focus on the fundamentals, scores go up 1:16:30 Trump’s UAE corruption scandal the worst in history 1:18:00 Trump is supposed to work for the voters checkbook, not his own 1:18:45 Trump’s pardons are almost exclusively for white collar crime 1:20:30 Congress has completely abdicated their responsibility 1:22:00 Founders were very worried about a corrupt executive 1:23:30 Major international shakeups and DNI is at Georgia election office 1:25:00 There are certain features of elections Trump can’t screw with 1:26:45 Rahm is more worried about the post election environment 1:27:30 The institutions have failed, but the people will protect this country 1:28:15 Worried that Mike Johnson may screw with the seating of new congress 1:29:15 Mike Johnson doesn’t have Mike Pence’s courage 1:31:45 What issues should Democrats should prioritize to win elections 1:32:45 2026 will be a wave election, presents chance to win local/state races 1:34:15 Tax refunds won’t be the electoral boon Republicans think they will 1:35:00 There’s no upside to being a long-term planner in American politics 1:36:15 What states should Dems target outside the 7 battlegrounds? 1:37:00 Never Trump Republicans finding more affinity with Democratic party 1:38:00 Democrats need to welcome former Republicans & independents 1:39:15 Unaffiliated voters are where you get your electoral majority 1:40:45 Progressive vs. Moderate viability for Democrats 1:43:15 Democratic electorate is always looking for someone new 1:44:15 The future will be on the ballot in 2028 1:46:30 Biden promised to unite the country & only united his party. It’s why he failed 1:48:00 Mandatory national service could help reunite the country 1:51:15 Entire tax code is built around wealth preservation, not creating wealth 1:53:15 People are tired by the ultra rich playing by their own set of rules 1:54:15 WaPo is an institution, and Bezos is gutting it against public interest 1:56:45 How welcome will a Jewish candidate be in a Democratic primary? 1:58:15 Separating the Jewish people/religion from Bibi’s government 2:00:00 Bibi’s governance has made Israel more vulnerable and isolated 2:01:00 Did we export our politics to Israel or are we emulating them? 2:02:00 If Democrats fail to win the midterms… then what? 2:04:00 Send us your guest requests & suggestions! 2:05:45 Will Lewis resigns, cements himself as worst publisher of WaPo 2:06:45 The Washington Post will fade into irrelevance after layoffs 2:08:00 Lack of local coverage bad for DC sports teams & venues 2:09:30 Team owners in DC should help fund local coverage 2:11:30 WaPo owner & publisher weren’t willing to own the layoffs 2:12:00 ToddCast Time Machine - February 11th 1979 2:12:15 Iranian shah’s regime collapsed, created Islamic Republic 2:13:15 Iran/Persia is one of the longest continuing states in history 2:14:45 Persia was neutral in WW1 & had its sovereignty violated 2:15:30 Collapse of Ottoman empire led to new states created by European powers 2:16:30 There’s a long history of small D democracy in Iran 2:17:30 The Shah’s project was forced modernization 2:18:45 The coup turned the Shah into the central pillar of the state 2:19:45 U.S. violating Iran’s sovereignty created anti-Americanism 2:21:00 Ayatollah Khamenei emerged as symbol of the resistance 2:21:45 Shah decided to expel Khamenei, gave him more rhetorical power 2:23:00 The Iranian revolution was broad based, but the clerical faction won 2:23:45 Hostage crisis came 9 months after the revolution 2:24:15 If we intervene now, it would be on the side of the Iranian people 2:25:30 Intervening on behalf of democracy works better than self-interest 2:26:15 Transactional politics without a moral code bites us in the ass 2:27:30 Ask Chuck 2:27:45 If Trump proved he was 2020 winner, does that make 2024 win unconstitutional? 2:31:30 Is it better for ethical people to stay in government to prevent someone worse? 2:35:30 Why not include Mississippi as state for Dems to target by 2032? 2:38:45 Causes for both alarm & optimism 2:42:00 Should MLB change the rule for intentional walks to make it two bases? 2:44:15 Some nicknames for the Trump/UAE corruption scandalSee omnystudio.com/listener for privacy information.

Former White House Chief of Staff & Mayor of Chicago, Rahm Emanuel joins the Chuck ToddCast for a wide-ranging conversation on the forces shaping America’s political and economic future. He discusses why the 2028 election will be about what’s ahead—not what’s behind—and argues that understanding AI, energy, and the changing nature of work is now essential for anyone seeking leadership. Emanuel makes the case that education and vocational training remain the clearest pathway to the middle class, warns about declining reading proficiency, and examines what schools must do to prepare students for a rapidly evolving world. He also explores how both parties lost their way on education, why fundamentals matter, and what voters are really demanding from the system. The discussion then turns sharply to politics, power, and the health of American institutions. Emanuel weighs in on Trump-era controversies, Congress’s weakened role, and concerns about election integrity and the post-election environment. He outlines how Democrats can rebuild a winning coalition by welcoming independents and former Republicans, focusing on economic fairness, and preparing for a potential 2026 wave election. The episode closes with a global lens—covering U.S.–Israel dynamics, political polarization, wealth inequality, and whether national service could help reunite a fractured country—framing a central question: if the midterms fail to reset the trajectory, what comes next for American democracy? Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Rahm Emmanuel joins the Chuck ToddCast 01:30 What does the average week look like for Rahm Emmanuel? 02:30 Trying to get a good understanding of AI & energy distribution 03:30 Candidates better understand AI because it’s driving economy 04:00 2028 election will be about the future not the past 05:30 Education and vocational training are the ticket to middle class 07:00 Coding used to be the most sought after skill, now it’s irrelevant 08:00 How to prepare students for a rapidly changing world? 09:30 AI won’t eliminate vocational professionals 11:15 Students are at a 30 year low in reading proficiency 12:00 Education is a highly motivating issue for voters 12:30 Vouchers don’t help rural communities 13:30 GOP has abandoned public ed, Dems abandoned accountability 14:45 Governors used to compete to be the “education governor” 15:30 Lotteries became the popular way to fund public education 16:15 Mississippi found a successful education model & it was copied 18:45 If schools focus on the fundamentals, scores go up 20:15 Trump’s UAE corruption scandal the worst in history 21:45 Trump is supposed to work for the voters checkbook, not his own 22:30 Trump’s pardons are almost exclusively for white collar crime 24:15 Congress has completely abdicated their responsibility 25:45 Founders were very worried about a corrupt executive 27:15 Major international shakeups and DNI is at Georgia election office 28:45 There are certain features of elections Trump can’t screw with 30:30 Rahm is more worried about the post election environment 31:15 The institutions have failed, but the people will protect this country 32:00 Worried that Mike Johnson may screw with the seating of new congress 33:00 Mike Johnson doesn’t have Mike Pence’s courage 35:30 What issues should Democrats should prioritize to win elections 36:30 2026 will be a wave election, presents chance to win local/state races 38:00 Tax refunds won’t be the electoral boon Republicans think they will 38:45 There’s no upside to being a long-term planner in American politics 40:00 What states should Dems target outside the 7 battlegrounds? 40:45 Never Trump Republicans finding more affinity with Democratic party 41:45 Democrats need to welcome former Republicans & independents 43:00 Unaffiliated voters are where you get your electoral majority 44:30 Progressive vs. Moderate viability for Democrats 47:00 Democratic electorate is always looking for someone new 48:00 The future will be on the ballot in 2028 50:15 Biden promised to unite the country & only united his party. It’s why he failed 51:45 Mandatory national service could help reunite the country 55:00 Entire tax code is built around wealth preservation, not creating wealth 57:00 People are tired by the ultra rich playing by their own set of rules 58:00 WaPo is an institution, and Bezos is gutting it against public interest 1:00:30 How welcome will a Jewish candidate be in a Democratic primary? 1:02:00 Separating the Jewish people/religion from Bibi’s government 1:03:45 Bibi’s governance has made Israel more vulnerable and isolated 1:04:45 Did we export our politics to Israel or are we emulating them? 1:05:45 If Democrats fail to win the midterms… then what?See omnystudio.com/listener for privacy information.

In this episode, Chuck Todd reacts to the Seahawks winning the Super Bowl, then examines the political shockwaves rippling through Washington after Donald Trump’s controversial and widely condemned post about the Obamas, placing it within the broader context of Trump’s long history of racial controversies and growing unease inside his own coalition. As criticism emerges from Republican lawmakers, conservative legal voices, and even Olympic athletes, Todd explores signs that Trump’s influence may be weakening—fueled by internal party fractures, controversial foreign policy moves, and a leadership circle increasingly insulating him from reality. With a surge of congressional retirements, warning signs from special elections, and historical trends favoring the opposition party, the conversation turns to whether Republicans are heading toward a major electoral setback—and whether worsening controversies, including ongoing fallout from Epstein-related revelations, could further reshape the political landscape before November. Finally, Chuck comments on the fallout from the mass layoffs at the Washington Post, hops in the ToddCast Time Machine to revisit the history of the Iranian revolution as tensions mount between the U.S. & Iran, and answers listeners’ questions in the “Ask Chuck” segment. Get your wardrobe sorted and your gift list handled with Quince. Don't wait! Go to https://Quince.com/CHUCK for free shipping on your order and 365-day returns. Now available in Canada, too! Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/chuck. Application times may vary. Rates may vary. Thank you Wildgrain for sponsoring. Visit http://wildgrain.com/TODDCAST and use the code "TODDCAST" at checkout to receive $30 off your first box PLUS free Croissants for life! Link in bio or go to https://getsoul.com & enter code TODDCAST for 30% off your first order. Timeline: (Timestamps may vary based on advertisements) 00:00 Chuck Todd’s introduction 00:30 Super Bowl reaction 03:15 Bad Bunny’s halftime show was a great tour of Latin culture 04:30 The AI de-aging in the commercials is creepy 06:00 Half of the AI companies advertising likely won’t exist in 3 years 10:00 Fallout from Trump’s racist post about the Obamas 11:00 Trump’s entire history has included accusations of racism 11:45 Trump definitely made the post, Republicans push back on it 13:30 The cracks in the Trump coalition grow deeper by the week 14:30 Trump didn’t have much filter before, losing it as he ages 15:30 Olympic athletes voiced concerns & opposition to administration 16:30 Trump’s inner circle keep him in a “safe space” cocoon 17:30 In six weeks of 2026, Trump has put the GOP on the defensive 19:15 Close Trump allies in congress willing to criticize him 21:00 Conservative legal analysts rip Trump for corrupt UAE deal 23:15 Trump’s Greenland posturing turned allies against the U.S. 24:00 An electoral disaster is brewing for the Republicans 24:30 Nearing a record number of incumbents retiring from congress 27:00 Historical trends suggest massive gains for the out party 28:30 Retiring members sound like they are done with politics 29:45 Retirements will create an institutional knowledge gap 31:15 Retirements are a warning sign for disastrous upcoming election 35:00 Redistricting could create even more retirements 36:15 Two more special elections swung massively toward Democrats 37:15 Any Republican in a 59% or less Trump district is in danger 39:30 Almost no scenario where Republicans hold the house 40:45 Inconceivable that Trump recovers his approval rating by Nov. 42:30 The Epstein file releases keep getting worse and worse for Trump 51:00 Send us your guest requests & suggestions! 52:45 Will Lewis resigns, cements himself as worst publisher of WaPo 53:45 The Washington Post will fade into irrelevance after layoffs 55:00 Lack of local coverage bad for DC sports teams & venues 56:30 Team owners in DC should help fund local coverage 58:30 WaPo owner & publisher weren’t willing to own the layoffs 59:00 ToddCast Time Machine - February 11th 1979 59:15 Iranian shah’s regime collapsed, created Islamic Republic 1:00:15 Iran/Persia is one of the longest continuing states in history 1:01:45 Persia was neutral in WW1 & had its sovereignty violated 1:02:30 Collapse of Ottoman empire led to new states created by European powers 1:03:30 There’s a long history of small D democracy in Iran 1:04:30 The Shah’s project was forced modernization 1:05:45 The coup turned the Shah into the central pillar of the state 1:06:45 U.S. violating Iran’s sovereignty created anti-Americanism 1:08:00 Ayatollah Khamenei emerged as symbol of the resistance 1:08:45 Shah decided to expel Khamenei, gave him more rhetorical power 1:10:00 The Iranian revolution was broad based, but the clerical faction won 1:10:45 Hostage crisis came 9 months after the revolution 1:11:15 If we intervene now, it would be on the side of the Iranian people 1:12:30 Intervening on behalf of democracy works better than self-interest 1:13:15 Transactional politics without a moral code bites us in the ass 1:14:30 Ask Chuck 1:14:45 If Trump proved he was 2020 winner, does that make 2024 win unconstitutional? 1:18:30 Is it better for ethical people to stay in government to prevent someone worse? 1:22:30 Why not include Mississippi as state for Dems to target by 2032? 1:25:45 Causes for both alarm & optimism 1:29:00 Should MLB change the rule for intentional walks to make it two bases? 1:31:15 Some nicknames for the Trump/UAE corruption scandalSee omnystudio.com/listener for privacy information.

This week, Josh Lim from FalconX joins the show to discuss the recent market sell-off. We deep dive into Josh's outlook for 2026, who is crypto's marginal buyer, the Ethereum L2 roadmap, Kyle Samani's announcement of leaving Multicoin and more. Enjoy! -- Follow Josh: https://x.com/joshua_j_lim Follow Rob: https://x.com/HadickM Follow Santi: https://x.com/santiagoroel Follow Empire:https://x.com/theempirepod -- Coinbase crypto-backed loans, powered by Morpho, enable you to take out loans at competitive rates using crypto as collateral. Rates are typically 4% to 8%. Borrow up to $5M using BTC as collateral and up to $1M using ETH as collateral. Manage crypto-backed loans directly in the Coinbase app with ease. Learn more here: https://www.coinbase.com/onchain/borrow/get-started?utm_campaign=0126_defi-borrow_blockworks_empire&marketId=0x9103c3b4e834476c9a62ea009ba2c884ee42e94e6e314a26f04d312434191836&utm_source=empire -- (00:00) Introduction (03:41) State of the Market (08:48) Are L1s Still Overvalued? (18:45) The Hyperliquid End Game (37:27) Bitcoin's Quantum Threat (47:30) Ethereum's L2 Roadmap (01:01:45) Kyle Samani Leaves Multicoin (01:03:57) Why Is Josh Still In Crypto? -- Disclaimer: Nothing said on Empire is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Santiago, Jason, Rob and our guests may hold positions in the companies, funds, or projects discussed.