Podcasts about represents

Steak and Sandra talk about what the hiring of Matt Ryan as President of Football really means for the Falcons. Even though the team is going through a lot right now, there is no better person to be at the helm to guide the franchise in to 2026.

Guests: Marianna Yarovskaya and Lyuba Sobol. Lyuba Sobol represents democratic Russian forces at the Council of Europe, aiming to delegitimize Putin, while facing continued threats and surveillance alongside other exiled activists.1917 MOSCOW

Michael Shaoul argues the latest ISM manufacturing report represents a potential turning point. He calls it a “capitulation” of purchasing managers within the industrial sector as they can no longer say that things are bad. He thinks both the U.S. and global economies are running hot, which is visible in equity returns.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

In this solo episode, I reflect on Bad Bunny's Super Bowl halftime performance as more than a cultural moment—it becomes a doorway into memory, migration, colonial history, and the psychology of diaspora.Born in Puerto Rico to a Puerto Rican mother and an American father, I weave my own family story into a broader reflection on what it means to live between worlds, shaped by love, economic precarity, mental health struggle, and displacement. Drawing on a formative course I took on Puerto Rican history, I explore the unfinished colonial relationship between Puerto Rico and the United States and how colonialism doesn't just extract resources—it fractures continuity and reorganizes psychic life.I also spend time with one of Bad Bunny's most powerful songs, Lo Que Le Pasó a Hawái, reading it through the lens of diaspora psychology: anticipatory grief, forced migration, split belonging, and the quiet violence of watching home become uninhabitable while still loving it deeply.At the center of the episode is a concept that has stayed with me for years: sacred hospitality. I argue that Puerto Rican love—expressed through exuberant joy, warmth, rhythm, and generosity—is not naïve optimism but an ethical and spiritual response to colonial harm. Joy, here, becomes resistance. Hospitality becomes strength.In a moment when fear and hatred feel increasingly normalized, this episode is an invitation to remember that the United States is irreducibly complex—and that the only thing stronger than hate is love, lived as sacred hospitality.

It was January 24, 2022. The King of Spain was coming to Puerto Rico. But everyone woke up to some unexpected news: the statue of the Spanish conquistador Juan Ponce de León in Old San Juan had been toppled. When the mayor promised to restore it that same day, it raised big questions: Who deserves to be put up on a pedestal? Who represents Puerto Ricanness? Who are our champions? This season, we're going to learn about Puerto Rico through the people who represent us. And we'll ask: what does it take to champion Puerto Rico?Want to support our independent journalism? Join Futuro+ for exclusive episodes, sneak peaks and behind-the-scenes chisme on La Brega and all our podcasts. https://bit.ly/joinfuturoplus Hosted on Acast. See acast.com/privacy for more information.

Deacon Dave and Layperson Lisa share insights from a laundromat, relating their task of washing linens for a retreat center to the less glamorous but essential aspects of spiritual work (0:01-0:31). They discuss how seemingly mundane chores like laundry, cleaning, and gardening are crucial for creating an environment where people can encounter Christ (1:09).The video draws parallels between the laundry process and spiritual life:Spin cycle (2:40): Represents life's turmoil, where Jesus "washes everything away with his grace."Dryer (3:38): Symbolizes a "time of reflection" and drawing closer to the Lord.OxyClean (4:03): Compared to reconciliation, whitening the soul and removing stains.Dual action tabs/concentrated cleaner (4:21): Analogized to the sacraments, providing "concentrated grace" through practices like weekly Mass, holy days, and daily prayer.They conclude by emphasizing that Jesus is in control even when life feels chaotic, helping to reorder things and press out what is not of Him (3:18).

Venezuela represents the death of the 'International Order' - Dr. Abdul Wahid by Radio Islam

Episode 582 of the Sports Media Podcast with Richard Deitsch features Matt Olson, a Sports Media Agent at leading entertainment and sports agency Creative Artists Agency (CAA). Olson represents Laura Rutledge, Elle Duncan, Dan Orlovsky, Pablo Torre, Jon Sciambi, Cassidy Hubbarth, Diana Russini, Bruce Feldman,and Adnan Virk among other clients. In this podcast, Olson discusses what he does for clients; how he creates relationships among the people who make hires; how an agent  navigates different clients; what happens when client is competing against another for the same job; how he decides if he will take on a client; the best mediums for clients right now; podcasters and influencers versus traditional on-air talent; the range of salaries in the space right now; what he makes of talent leaks; how he sees Rutledge's career arc; the differences of negotiating at a place such as The Athletic versus Fox or ESPN; Tim Legler getting the No. 1 NBA job at ESPN; Virk's career arc; Elle Duncan landing at Netflix; Pat McAfee's career arc; whether  Torre's setup can be duplicated, and more. You can subscribe to this podcast on Apple Podcasts, Spotify and more. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Who Represents You? Rev. Tyler Kenyon Romans 5:12-21 (01/18/2026)

Psychiatrist, internist, and addiction medicine specialist Muhamad Aly Rifai discusses his article "Physician suicide prevention: a call to action." Muhamad opens with the tragic losses of Dr. Nolan R. Williams and Dr. Charles Szyman to illustrate the devastating toll of the profession on even its most accomplished members. He examines the alarming data showing suicide as a leading cause of death among medical residents and outlines specific, actionable steps for trainees, program directors, and hospital executives to build safety nets rather than barriers. The conversation emphasizes the importance of using neutral language like "died by suicide," removing intrusive credentialing questions, and creating a culture where seeking help is viewed as an asset rather than a liability. Join us to learn how we can protect the people who dedicate their lives to healing others. Partner with me on the KevinMD platform. With over three million monthly readers and half a million social media followers, I give you direct access to the doctors and patients who matter most. Whether you need a sponsored article, email campaign, video interview, or a spot right here on the podcast, I offer the trusted space your brand deserves to be heard. Let's work together to tell your story. PARTNER WITH KEVINMD → https://kevinmd.com/influencer SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast RECOMMENDED BY KEVINMD → https://www.kevinmd.com/recommended

Join Andrea R. Milano, Special Counsel at Pillsbury Winthrop Shaw Pittman LLP, for a timely and strategic conversation with Gary Fowler on how employment law directly influences culture, growth, and valuation in high-growth startups and unicorn companies. This episode explores how founders and executives can proactively use labor and employment law to build resilient, scalable organizations—while avoiding costly mistakes that derail momentum.

“Get Ready, Get Ready, Get Ready” – Crossing the Jordan I. Introduction Opening greeting and call to readiness for the Word of God. Reference to the recent week of prayer and fasting as preparation. Sermon title: “Get Ready, Get Ready, Get Ready.” Text reference: Joshua 3:1–5. Key verse: “Sanctify yourselves, for tomorrow the Lord will do wonders among you.” Connection to the new year (2026) as a “new season” — a place we've not passed before. II. Two Extremes in the Life of Faith Extreme #1: People who think everything depends on God alone. Passive faith; no personal effort (e.g., expecting blessings without action). Extreme #2: People who think everything depends on themselves. Self-striving faith; no prayer or reliance on God. Balanced truth (Joshua 3:5): Human responsibility → “Sanctify yourselves.” Divine power → “The Lord will do wonders.” A biblical tension: God acts, but we prepare. III. Historical and Scriptural Context Israel at the Jordan River. On the threshold of the Promised Land after 40 years of wandering. Consequence of earlier unbelief and disobedience. The Ark of the Covenant. Symbol of God's presence and holiness. Instructions: follow it at a distance — reverence before a holy God. The Crossing. Jordan River in flood (½ mile wide); an impossible situation needing a miracle. Spiritual parallel for 2026. Represents transition into a new season filled with both blessings and unknowns. IV. Our Part: “Sanctify Yourselves” Meaning of consecration. To set apart, make holy, dedicate to God's purposes. Synonyms: sanctify, purify, make acceptable to God. Illustration: The church drums. Ordinary objects made sacred through dedicated purpose. Believers are called to the same — living for God's glory. Practical applications of consecration. Self-examination and repentance of sin. Renew commitment to God and His house. Live holy lives — avoid spiritual compromise. Commitment to consistent church involvement and ministry. Stop gossip, negativity, and complaining; unity and obedience bring blessings. Financial consecration: honor God with firstfruits. Lifestyle consecration: avoid ungodly influences; guard media and relationships. Relational accountability and transparency (illustrated through phone example). Personal humility and ongoing sanctification — asking God to search the heart. Examples of sacrifice and faith. Pastor's story about his wife leaving a high-paying law job to serve in ministry. Lesson: Consecration often means sacrifice, but God multiplies what's surrendered. V. God's Part: “The Lord Will Do Wonders” Nature of God's wonders. Miracles, provisions, and supernatural acts demonstrating His glory. Miracles reveal who God is, not just what He does. Hope from Scripture (Romans 15:4). Old Testament lessons written for our learning and to build hope. The same God who parted the Jordan acts today. Faith declaration for 2026. God calls what is not as though it were — the promises are already in motion. Prophetic declarations for the year: Growth in intimacy with God. Healing and restoration (“this sickness is not unto death”). A rising young generation with holy passion. God will rebuke the devourer. Restoration of faith to believe again. VI. Conclusion and Call to Response Call for the congregation to stand, receive, and respond in faith. Affirmation that their fasting and prayer were part of consecration. Encouragement that God will release blessings long awaited. Exhortation to pray, worship, and believe for God's wonders in 2026.

reference: Sri Aurobindo, Bases of Yoga, Chapter 4, Desire — Food — Sex, pp. 72-73This episode is also available as a blog post at https://sriaurobindostudies.wordpress.com/2026/01/09/the-supramental-transformation-represents-a-radical-upgrade-of-animal-and-human-nature/Video presentations, interviews and podcast episodes are allavailable on the YouTube Channel https://www.youtube.com/@santoshkrinsky871More information about Sri Aurobindo can be found at www.aurobindo.net  The US editions and links to e-book editions of SriAurobindo's writings can be found at Lotus Press www.lotuspress.com#Sri Aurobindo #yoga #integral yoga #Muladhara #spirituality #Brahmacharya #supramental #evolution of consciousness

Warriors insider for The Athletic and Audacy joins The Roast to talk about the latest in the Kuminga Krisis and why everyone is blaming Steve Kerr for everything

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

This Day in Legal History: January 6 InsurrectionOn January 6, 2021, a significant and unprecedented legal and constitutional crisis unfolded in the United States. As a joint session of Congress convened to certify the Electoral College results of the 2020 presidential election, a mob of supporters of then-President Donald Trump stormed the U.S. Capitol. The attack followed weeks of false claims about election fraud and a rally earlier that day in which Trump urged his supporters to “fight like hell.” The violent breach forced lawmakers to evacuate, delayed the certification of Joe Biden's victory, and resulted in deaths, injuries, and extensive property damage.Legally, the event triggered a cascade of consequences. Hundreds of participants were arrested and charged with offenses ranging from unlawful entry and assaulting federal officers to seditious conspiracy. High-profile members of far-right groups like the Oath Keepers and Proud Boys were prosecuted, with some leaders convicted of seditious conspiracy, a Civil War-era charge rarely used in modern times. The attack also led to Trump's second impeachment, the first time in U.S. history a president was impeached twice. He was charged with incitement of insurrection, although the Senate ultimately acquitted him.In the broader legal aftermath, January 6 prompted legislative and judicial scrutiny of the Electoral Count Act of 1887, with Congress passing reforms in 2022 to clarify the vice president's limited role in certifying election results. The attack also raised questions about the limits of First Amendment protections when political speech turns into violent action, and about the potential disqualification from office under Section 3 of the 14th Amendment, which prohibits insurrectionists from holding public office.Barry Pollack, the U.S. attorney best known for securing WikiLeaks founder Julian Assange's release deal, is now representing Venezuelan president Nicolás Maduro in a high-profile U.S. narcotics case. Maduro, who was captured in a U.S. military operation along with his wife, pleaded not guilty this week in a Manhattan federal court to charges of leading a cocaine trafficking conspiracy involving guerrilla groups and drug cartels. Pollack plans to challenge the legality of Maduro's capture—calling it a “military abduction”—and is also expected to raise arguments about foreign leader immunity.These arguments face steep legal obstacles. The U.S. no longer recognizes Maduro as Venezuela's legitimate president, having rejected the results of his 2018 re-election. Furthermore, U.S. courts have historically been reluctant to dismiss cases based on how a defendant was brought to U.S. soil. Still, Pollack's involvement signals a serious defense strategy grounded in international legal questions and executive immunity claims.Pollack's experience with politically charged and internationally sensitive cases is extensive. He recently helped negotiate Assange's release from a British prison through a plea deal that allowed the WikiLeaks founder to avoid U.S. imprisonment and return to Australia. His track record also includes work on behalf of a former CIA officer and an acquitted Enron executive.Assange's lawyer Barry Pollack to fight Maduro's US narcotics charges | ReutersWith a new Republican majority appointed by President Donald Trump, the National Labor Relations Board (NLRB) is expected to shift sharply away from pro-union policies that defined its recent Democratic era. After nearly a year of paralysis caused by Trump's unprecedented firing of Democrat Gwynne Wilcox—leaving the board without the quorum needed to issue decisions—the Senate confirmed two Republican nominees in December 2025, restoring its ability to act and giving conservatives control of the five-member board for the first time since 2021.Key Biden-era decisions are now vulnerable to rollback. These include expanded union rights such as representation without secret-ballot elections, bans on mandatory anti-union employer meetings, and broader remedies for fired workers. Critics say these moves strayed from precedent; federal courts are reviewing them, but outcomes will vary by jurisdiction unless the Supreme Court weighs in.Union election rules are also likely to change. Under Biden, the NLRB accelerated the election process and made it harder for decertification efforts to proceed—moves unions supported to counter employer delays. Republicans are expected to reverse these rules, potentially making it easier to dissolve existing unions.The board's political independence is also under scrutiny. A court recently upheld Trump's removal of Wilcox, challenging legal protections meant to shield NLRB members from dismissal without cause. If the Supreme Court supports similar arguments in upcoming cases, the NLRB's structural independence could be weakened, raising concerns about politicization and fairness in labor adjudications.Meanwhile, lawsuits by major companies like Amazon and SpaceX are targeting the board's role as both prosecutor and judge in its own cases, claiming constitutional violations. If courts side with these challengers, it could force Congress to restructure the agency—perhaps by limiting its powers or shifting cases to federal courts.NLRB poised for major policy shifts in 2026 with new Trump-appointed majority | ReutersWisconsin Judge Hannah Dugan resigned following her conviction for obstructing the arrest of a migrant in her courtroom, a case that became entangled in broader national tensions over immigration enforcement. Dugan, elected to the Milwaukee County Circuit Court in 2016, was found guilty in December 2025 of helping Eduardo Flores-Ruiz, a Mexican national facing domestic violence charges, evade U.S. Immigration and Customs Enforcement (ICE) agents who were present at the courthouse. She had denied wrongdoing, claiming she followed a courthouse policy requiring staff to notify supervisors of ICE's presence.Her conviction drew sharp criticism from Republican lawmakers, with some calling for impeachment, especially as the Trump administration intensifies efforts to crack down on local interference with federal immigration policy. Dugan had been suspended from her judicial duties during the legal proceedings. Prosecutors framed the case as a warning that public officials are not above the law, highlighting the Justice Department's willingness to pursue charges against judges who obstruct federal enforcement actions.Before serving as a judge, Dugan led a local Catholic Charities chapter that provided refugee resettlement services. Her background and the nature of the charges underscored the ongoing conflict between local protections for immigrants and federal efforts to expand deportations.Wisconsin judge resigns after being convicted of obstructing migrant arrest | ReutersMy column this week is on a novel cruise tax. Hawaii's attempt to expand its transient accommodations tax to include cruise ship passengers hit a temporary roadblock when the 9th Circuit Court of Appeals issued a New Year's Eve stay, pausing enforcement of the new “green fee.” The law, which took effect January 1, aims to place cruise cabins on equal tax footing with hotels by imposing an 11% tax on the portion of a cruise fare linked to overnight stays while docked in Hawaiian ports. Hawaii argues this is a general, nondiscriminatory tax on short-term lodging rather than a fee tied to the ship itself. To bolster its legal case, the state is framing cruise cabins as equivalent to hotel rooms, and emphasizing that the tax is based on services consumed on land, not the ship's movement or port access.The cruise industry, however, contends the tax violates the Constitution's Tonnage Clause, which prohibits states from levying duties on ships for merely entering or staying in port. They've also invoked the Rivers and Harbors Appropriation Act of 1884, which restricts port-related charges not linked to specific services. But Hawaii's defense is that the tax is not about access or vessel status—it is a consumption tax on guests staying overnight, regardless of whether the bed is on land or in a moored ship. The policy avoids targeting ships and instead captures revenue from tourism, aligning maritime and land-based lodging under a consistent legal framework.The Department of Justice has joined the cruise industry's challenge, suggesting the issue's seriousness. If litigation continues, the U.S. Supreme Court may ultimately decide whether this tax model is constitutionally sound. Still, Hawaii's approach—drafting a neutral, consumption-based tax rather than a maritime-specific charge—may serve as a blueprint for other coastal states looking to tap into cruise tourism revenue without triggering constitutional violations. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

STARSHIP: THE FULLY REUSABLE ARCHITECTURE FOR MARS Colleague Eric Berger. At Boca Chica, Texas, SpaceX transformed a swamp into "Starbase," a modern rocket factory for the Starship and Super Heavy launch system. Starship represents the endgame of Musk's vision: a fully reusable rocket larger than the Saturn V, designed to be caught by "chopstick" arms on the launch tower to eliminate landing legs and speed up reuse. The plan involves orbital refueling and launching fleets of ships every two years to transport massive amounts of cargo, serving as a "Grand Central Station" for deep space colonization. NUMBER 8 1921 FRANCE

Sodom is one of the most misunderstood prophetic symbols in all of Scripture. Too often reduced to a single category of sin, the biblical record reveals something far more sobering: Sodom represents a society that crossed a divinely established threshold—where mercy had been extended, truth had been proclaimed, intercession had been offered, and yet rebellion became institutionalized.Video Version available in 4K on your choice of (5) Video Platforms and easily accessible at https://www.lastchristian.net/This concluding episode brings together the full prophetic framework of Genesis 18–19, showing that Sodom was not destroyed suddenly or arbitrarily. Judgment came only after conscience was silenced, justice was corrupted, leadership failed at the gate, and every opportunity for repentance was rejected. Scripture presents Sodom as a juridical case study—a culture that moved from probation to inevitability.The program examines why God revealed Sodom's fate to Abraham, what the “outcry” truly represented in biblical law, and how discernment—not emotion—governs divine judgment. It explains the difference between individual sin and systemic corruption, and why there comes a point when reform is no longer possible and separation becomes mandatory.Drawing from later prophetic language in Isaiah, the words of Jesus in Luke 17, and the broader biblical pattern of judgment cycles, this conclusion emphasizes that Sodom is not merely a past event, but a recurring prophetic template. Jesus Himself warned that the days of Lot would return—marked by normalcy, moral blindness, and sudden, irreversible judgment.This is not a message of fear, but of clarity. It is a call to recognize timing, to understand when intercession is effective and when obedience requires departure. Above all, it confronts the listener with the central question Scripture asks repeatedly: will the warning be recognized while time remains?For More Information or to support our Ministry please visit https://www.lastchristian.net/

We continue our Best of 2025 episodes with an episode from the Future Hindsight podcast, hosted by Mila Atmos.Enjoying the show? Subscribe to hear the rest of Future Hindsight's episodes!

Weekly Comprehensive Bible Study with Rev. David PaxtonWhat Sodom Represents Prophetically (Genesis 18–19)Video Access available at https://www.lastchristian.net immediately upon release at 9:00pm ET/8:00pm CT and viewable on your choice of (5) Video Platforms.Sodom is often reduced to a single category of sin, yet Scripture presents it as something far more comprehensive, and far more sobering. In Genesis 18–19, Sodom functions as a juridical marker in the biblical record. A society that crossed the legal threshold of mercy and entered a phase of irreversible judgment.This teaching examines Sodom not as an ancient curiosity, but as a prophetic pattern repeated throughout Scripture. God did not judge Sodom hastily or emotionally. Judgment came only after truth was rejected, conscience silenced, justice corrupted, and remedial grace exhausted. Sodom represents a culture where rebellion became institutionalized, righteousness was marginalized, and moral inversion was normalized at every level of society.The program explores how Sodom's “outcry” functioned as a legal summons for judgment, how leadership at the city gate failed to restrain evil, and why Abraham was brought into the process as an intercessor. It explains the difference between individual sin and systemic corruption, and why Scripture emphasizes timing, not temptation, when describing Sodom's destruction.This is not a message about fear, but about discernment. It is a study in recognizing prophetic cycles, understanding when intercession is effective, and knowing when separation becomes mandatory. Above all, it challenges listeners to examine whether they recognize the hour they are living in, before that hour passes. To learn more or support our ministry.  Please visit https://www.lastchristian.net/

Get 15% off OneSkin with the code LAWNERD at http://oneskin.co/LAWNERD  #oneskinpod #ad Watch the full coverage of the live stream on The Emily D. Baker YouTube channel: https://youtu.be/KAvOHqByUFc  In this detailed Case Brief, we break down the shocking homicide of Hollywood legend Rob Reiner and his wife, photographer and producer Michele Singer Reiner. Their son, Nick Reiner, 32, was arrested and has been formally charged in their deaths. The high-profile defense attorney retained by Nick Reiner, Alan Jackson, and the expected legal strategy. The Los Angeles County District Attorney's office has filed two counts of first-degree murder against Nick Reiner, including a special circumstance of multiple murders and a special allegation of using a deadly weapon (a knife). Nick Reiner was not medically cleared for his arraignment on Tuesday and what this means for the legal process moving forward. Information about the arrest, the crime scene (Brentwood home, no forced entry), and reports of an argument at a holiday party just before the incident. What comes next in the case, including the discovery phase, the path to a preliminary hearing, and the potential sentence (life without parole or the death penalty). Stay tuned for updates as this complex and high-profile case progresses through the courts. RESOURCES Bryan Kohberger Playlist - https://www.youtube.com/playlist?list=PLsbUyvZas7gKASBczV3CsUx-t5oRAK0ca D4VD Investigation Update - https://youtu.be/OVex42E5X5w Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dr. Dario Nardi talks about icons for each of the 16 personality types.☆Check out what I'm up to!☆Hi there! I'm Joyce, a certified MBTI® Master Practitioner, Enneagram Coach, Jungian Typology Expert, Master NLP Practitioner, and Gallup® CliftonStrengths Coach.WONDERING WHICH ONE OF THE 16 PERSONALITY TYPES YOU ARE?Book a session to get my take on your type. I'd love to help guide you on your type-discovery journey!Here is my scheduling link to arrange a time with me:https://calendly.com/joycemengcoachingI charge $85 for a typing session. Another colleague of mine certified by Personality Hacker will work alongside me and we will give you our independent assessments of you.Want to go deeper? For $97, you can purchase a typing session with 1 hour of additional coaching with me.Or maybe you know your personality type already and are seeking some type-based coaching? As a trained coach, I can help you apply type concepts to all areas of your life for lasting change. The coaching session rate is $75 per hour for a bundle of 3. :)By purchasing a session, you will help support the Type Talks channel and gain personalized mentorship and guidance from an experienced industry expert with over 12 years of experience.If you'd like to get in touch, you can email me at joycemeng22@gmail.comFor those of you who are interested, I am also launching a website and releasing a typology book next year! Here's a link to my coaching website if you'd like to learn more about me and the services I offer: https://www.joycemengcoaching.com/Connect with me on Twitter: https://twitter.com/JoyceMeng22Like the show? Buy me a coffee! (it means the world to me): https://ko-fi.com/joycemengShow your support by becoming a monthly patron! https://ko-fi.com/joycemeng/tiersWant to know when the next Type Talks video is premiering? Join our Discord community for the latest updates! (Inactive now, looking for moderators) https://discord.gg/ksHb7fmMcm☆Check out the "Jung for Life" Workshop mentioned at the beginning of the video!☆Here is the registration link for the event:https://forms.gle/mBcTvfd8F8jTm9ux8Here is the 3-page flyer PDF detailing more information here:http://www.radiancehouse.com/JUNG-FOR-LIVING.pdfHere is the link to the webinar recording to preview Jung for Life:https://us02web.zoom.us/rec/share/1CDR6Haz7L8fbsIcHJHIItdXWObJI06vL-RVBtdlN-MLlL9wPRohm4VwUhTuoljK.6jhbSkvp1AGlYlVq ☆Check out Dario Nardi!☆Decode Your Personality: Go Beyond Myers-Briggs With 64 Brain-Based Subtypes: https://www.amazon.ca/Decode-Your-Personality-Myers-Briggs-Brain-Based/dp/B0CMJ5W5DX/ref=sr_1_1?crid=28Z0X3NUWUI0C&keywords=go+beyond+dario&qid=1704488749&sprefix=go+beyond+dario%2Caps%2C90&sr=8-1Radiance House: https://radiancehouse.sellfy.store/#INTJ #16Types #DarioNardi #neuroscience #16personalities #MBTI #carljung

If there's one filmmaker who has left a mark more than any other on my life, it's been Kelly Reichardt. Through her work, I've gleaned an understanding of what American life through the ages is like. From the pioneer days captured with a desolate despair in Meek's Cutoff, to the heart shattering singularity of Wendy and Lucy, to the manner that taste and fortune appear in opportunistic ways in First Cow, and now, with her latest film The Mastermind, we see a nation at another nexus point, pushed by the Vietnam War and a changing society to be something different, something possibly more equal.The Mastermind is a bit of a heist film, but it's a heist film in the way that First Cow was a heist film, meaning, the nature of the heist is almost perfunctory in that while it's the instigating action for the film, it's the outcomes of the heist that throws Josh O'Connor's James Blaine Mooney life into disarray. Not that his life wasn't in some level of disarray with the feckless out of work father mooching off his parents, all the while his loving wife Terri (another great turn from Alana Haim) has to look after their kids while also working a full time job.James comes up with the idea to steal four abstract paintings from the local art gallery. What he intends to do with the paintings once he has them, we never find out. But it's also quite likely he has no idea too. Josh O'Connor is easy to watch here, so captivating as someone who thinks he's smarter than he is, but really just needs to be nudged along to make something of his life.Yet, for me, he's not the interesting part of The Mastermind. Instead, I found Kelly Reichardt's interest in the bystanders of the 1972 Worcester Art Museum robbery to be more fascinating. Kelly has talked in the past about her fascination with people stealing art, but what drew her to this robbery in particular was the schoolgirls who were bystanders and observed it happen. She plants similar girls as observers of James Blaine Mooney's heist, and it's through their brief perspective that we're also invited to see the film from the viewpoint of the women of the story.It's an idea which I asked Kelly about in the following interview, which talks about the viewpoints of The Mastermind, while also discussing how Kelly's films view the changing state of America. We close by talking about the importance of accessible art, and what it means to be able to see art in rural or remote areas.Sign up for the latest interviews, reviews, and more via https://www.thecurb.com.au/subscribe/ Hosted on Acast. See acast.com/privacy for more information.

If there's one filmmaker who has left a mark more than any other on my life, it's been Kelly Reichardt. Through her work, I've gleaned an understanding of what American life through the ages is like. From the pioneer days captured with a desolate despair in Meek's Cutoff, to the heart shattering singularity of Wendy and Lucy, to the manner that taste and fortune appear in opportunistic ways in First Cow, and now, with her latest film The Mastermind, we see a nation at another nexus point, pushed by the Vietnam War and a changing society to be something different, something possibly more equal.The Mastermind is a bit of a heist film, but it's a heist film in the way that First Cow was a heist film, meaning, the nature of the heist is almost perfunctory in that while it's the instigating action for the film, it's the outcomes of the heist that throws Josh O'Connor's James Blaine Mooney life into disarray. Not that his life wasn't in some level of disarray with the feckless out of work father mooching off his parents, all the while his loving wife Terri (another great turn from Alana Haim) has to look after their kids while also working a full time job.James comes up with the idea to steal four abstract paintings from the local art gallery. What he intends to do with the paintings once he has them, we never find out. But it's also quite likely he has no idea too. Josh O'Connor is easy to watch here, so captivating as someone who thinks he's smarter than he is, but really just needs to be nudged along to make something of his life.Yet, for me, he's not the interesting part of The Mastermind. Instead, I found Kelly Reichardt's interest in the bystanders of the 1972 Worcester Art Museum robbery to be more fascinating. Kelly has talked in the past about her fascination with people stealing art, but what drew her to this robbery in particular was the schoolgirls who were bystanders and observed it happen. She plants similar girls as observers of James Blaine Mooney's heist, and it's through their brief perspective that we're also invited to see the film from the viewpoint of the women of the story.It's an idea which I asked Kelly about in the following interview, which talks about the viewpoints of The Mastermind, while also discussing how Kelly's films view the changing state of America. We close by talking about the importance of accessible art, and what it means to be able to see art in rural or remote areas.Sign up for the latest interviews, reviews, and more via https://www.thecurb.com.au/subscribe/ Hosted on Acast. See acast.com/privacy for more information.

Esther Shemtov - Adam Ki Yakriv Part 11: Why Tzedakah represents all the mitzvot by Mayanot

Bringing autonomy to agriculture is not just about replacing humans with robots.

A Clare carer says the cost of abolishing the means test would represent "good value for money" for the Government. A new report from the Parliamentary Budget Office estimates the highest net cost of abolishing the test at €266 million, short of the €650 million suggested by Social Protection Minister Dara Calleary in the aftermath of the budget. The report also states 19,561 additional carers nationwide would become eligible for the scheme, if the means test was abolished with approximately 700 of those based in Clare. Bunratty native, Sinéad O'Brien, claims it's high time carers were rewarded for the work they do.

H2-Tues11/25/25-TCJS- "Sharia Law Constitution protected to not have that forced on you " ," There are people who are open and sympathetic to Sharia Law" , " In TN, Aftyn Behn is a certified Lunatic the area she represents includes Nashville", " A guy in his town 500 years ago homing the homeless"

This mantra is salutation to Goddess Durga in her fierce, protective, and most powerful form (Duṃ is the bīja of Mahādevī Durgā).-------Explanation of the Mantraॐ (Om)The primordial sound (Pranava). Represents the entire universe — creation, preservation, destruction. Connects the individual soul (jiva) to the Supreme Reality (Brahman). In Devi worship: Om is the sound-form of Parashakti.दुं (Duṃ) - Bīja (seed syllable) of Goddess DurgaDestroys obstacles (durgati = misery, difficulty). Activates Muladhara to Ajna chakras (especially Manipura — power center).Tantric texts say: Duṃ is the thunderbolt that shatters ignorance.Durgāyai (दुर्गायै) Dative case of Durga (दुर्गा). Means: "To Durga"Durga = She who removes difficulties (dur + ga = "going beyond hardship"Namaḥa (नमः)Means "I bow", "I surrender" - Maa Durga I am taking refuge in you. I am surrendering myself fully to the Divine Mother.=======For getting astrological reading from me you can write to me on my Email = Cosmicbond7@gmail.com

We're back with part two of Paul Rieckhoff's (@PaulRieckhoff) epic conversation with punk rock icon, activist, and truth-teller Henry Rollins in this raw, urgent, and fiercely independent discussion of the true cost of war, creative protest, and the power of showing up. From the lessons of helping injured veterans to finding hope through art and community, Henry pulls no punches as he shares his experience, challenges the powerful, and reflects on his years supporting those who serve. Rollins and Rieckhoff dissect America's current crises—from Venezuela and new wars to the attacks on creativity and the White House Rose Garden—offering insight, humor, and a roadmap for staying vigilant and human in hard times. It's an electrifying episode that embodies punk spirit, compassion, and relentless determination. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -Listen to Henry's previous appearance: Episode 47 from February 20, 2020. -WATCH video of this episode on YouTube now. -Learn more about Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -Check the hashtag #LookForTheHelpers. And share yours.  -Find us on social media or www.IndependentAmericans.us. And get cool IA and Righteous hats, t-shirts and other merch.  -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm.  Independent Americans is powered by veteran-owned and led Righteous Media. Spotify: https://open.spotify.com/show/0F1lzdRbTB0XYen8kyEqXe Apple Podcasts: https://podcasts.apple.com/us/podcast/independent-americans-with-paul-rieckhoff/id1457899667 Amazon Podcasts: https://music.amazon.com/podcasts/49a684c3-68e1-4a85-8d93-d95027a8ec64/independent-americans-with-paul-rieckhoff Ways to watch: YouTube: https://www.youtube.com/@independentamericans Instagram: https://www.instagram.com/IndependentAmericansUS/ X/Twitter: https://x.com/indy_americans BlueSky: https://bsky.app/profile/indyamericans.bsky.social Facebook: https://www.facebook.com/IndependentAmericansUS/ Ways to listen:Social channels: Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We're back with part two of Paul Rieckhoff's (@PaulRieckhoff) epic conversation with punk rock icon, activist, and truth-teller Henry Rollins in this raw, urgent, and fiercely independent discussion of the true cost of war, creative protest, and the power of showing up. From the lessons of helping injured veterans to finding hope through art and community, Henry pulls no punches as he shares his experience, challenges the powerful, and reflects on his years supporting those who serve. Rollins and Rieckhoff dissect America's current crises—from Venezuela and new wars to the attacks on creativity and the White House Rose Garden—offering insight, humor, and a roadmap for staying vigilant and human in hard times. It's an electrifying episode that embodies punk spirit, compassion, and relentless determination. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -Listen to Henry's previous appearance: Episode 47 from February 20, 2020. -WATCH video of this episode on YouTube now. -Learn more about Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -Check the hashtag #LookForTheHelpers. And share yours.  -Find us on social media or www.IndependentAmericans.us. And get cool IA and Righteous hats, t-shirts and other merch.  -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm.  Independent Americans is powered by veteran-owned and led Righteous Media. Spotify: https://open.spotify.com/show/0F1lzdRbTB0XYen8kyEqXe Apple Podcasts: https://podcasts.apple.com/us/podcast/independent-americans-with-paul-rieckhoff/id1457899667 Amazon Podcasts: https://music.amazon.com/podcasts/49a684c3-68e1-4a85-8d93-d95027a8ec64/independent-americans-with-paul-rieckhoff Ways to watch: YouTube: https://www.youtube.com/@independentamericans Instagram: https://www.instagram.com/IndependentAmericansUS/ X/Twitter: https://x.com/indy_americans BlueSky: https://bsky.app/profile/indyamericans.bsky.social Facebook: https://www.facebook.com/IndependentAmericansUS/ Ways to listen:Social channels: Learn more about your ad choices. Visit megaphone.fm/adchoices

Register here to attend the live virtual event "How to Scale Your Portfolio, with Tenanted Cash Flowing, New Construction Properties" on Thursday, November 13th at 8pm Eastern. Keith discusses Billie Eilish's views on billionaires and contrasts her stance with Grant Cardone's, emphasizing the value billionaires bring.  Hear about the Fed's decision to end Quantitative Tightening (QT), predicting lower interest rates.  GRE Investment Coach, Naresh Vissa, joins the conversation to highlight the benefits of new build properties, such as lower maintenance and higher tenant quality, and mentions a 10% cashback incentive from builders.  Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/579 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:00   Keith, welcome to GRE. I'm your host. Keith Weinhold, should billionaires even exist? Why do so many people think that interest rates of all types are headed even lower than as a real estate investor, how to identify and capitalize on an opportunity in this era? It's something that I've never seen before. Today on get rich education   Speaker 1  0:27   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from flatiron, Manhattan to Flatbush, Brooklyn, across New York City and 188 world nations. This is Get Rich Education. I'm your host. Keith Weinhold, it's the longest federal government shutdown in US history. This whole thing has now lasted longer than most gym memberships. I guess the GDP stands for government doesn't produce, hmm. Before we get into our core investing and real estate content today, Billie Eilish, the singer, recently made some public remarks on whether or not billionaires should even exist. Yeah. Now if you're not familiar with her, Billie Eilish is known for her kind of unique style, sort of these baggy clothes, neon hair, avant garde fashion, and she has a reputation for being outspoken about a lot of things like mental health and body image and environmental issues. Now, in general, I respect people for speaking their mind, whether I agree or not, because a lot of people are just afraid to do that. Let's listen in to this short clip on what she said. You might have heard this because it was pretty widely broadcasted. Eilish spoke after receiving recognition at the Wall Street Journal innovator awards. This is courtesy of the AP. And then I'll come back to comment.   Speaker 2  2:58   We're in a time right now where the world is really, bad and really dark, and people need empathy and help more than kind of ever, especially in our country. And I'd say if you have money, it would be great to use it for good things and maybe give it to some people that need it and love you all, but there's a few people in here that have a lot more money than me, and if you're a billionaire, why are you a billionaire? No hate, but yeah, give your money away. Shorties. Love you guys. Thank you so much.   Speaker 3  3:40   First of all, without explicitly saying it, she's basically referencing how inflation widened the canyon between the haves and the have nots and GRE listeners that have acted have been on the right side of that canyon. I actually want to give Billie Eilish some credit here. Giving is virtuous. That is a good thing. In fact, next month, I plan to discuss the pros and cons of giving here on the show as we approach Christmas. Billie Eilish, she's certainly not a hypocrite either, because she's given away more than $10 million of her estimated $50 million dollar net worth. She's into feeding people and climate initiatives that right there is giving away more than 20% of your net worth, and that is really kind. Now, you heard her say there's a few people in here that have a lot more money than me, and she's right. Mark Zuckerberg was in that room. His net worth of over 200 billion means that his net worth is more than 4000 times greater than Billy eilish's. It sounds loosely like she's. shaming him for not giving away more of his wealth. And I don't know just offhand how much Zuck gives away, but this is where my credit to Billy Eilish stops. I think that it's okay for a person to be a billionaire. I wouldn't question that. I mean, a lot of times it meant that that person was willing to take risks that others would not dare try. A billionaire probably means you're a person of great value, and that you've hired hundreds or 1000s of other people, creating jobs for them. A billionaire has almost certainly created a product that society values. Jeff Bezos pioneered one day delivery. Zuckerberg connects people through his meta platforms. And now I'm not going to say that either one of those billionaires are perfect people. They are flawed, just like you and I. Billionaires probably pay more tax than the average person as well. That supports the infrastructure that you and I and everybody use, like building bridges or creating a fiber optic network. I would expect that a billionaire would be a giver as well. And see, if you're a billionaire, you have more ability to give than the average person does, you can make a greater impact. And see, this is where things really break down and not make sense. So if Billie Eilish is net worth is 50 million, Oh, apparently that's just okay. That's fine with her. But once it gets to 20 times greater than that, which is 1 billion, then it's not okay. So that means the line is drawn somewhere in there. That makes zero sense to me. The ceiling on what you're supposed to have in net worth is between 50 million and 1 billion. Like, I really do not get the logic on that one. And you know, a guest that we've had on the show here, Grant Cardone, whether you like him or not, he has had some on point remarks about these Billy Eilish comments himself to the question that she posited, which is, if you're a billionaire, why are you a billionaire? Cardone's answer is, if you're a pop star, why are you a pop star? Billy said, give your money away. Cardone's response to her is, give your music away. That's some food for thought there. That's my take on the Billy Eilish remarks on whether or not billionaires should exist. And if you want to hear Grant Cardone and I's conversation here on GRE, that was episode 264 the title of it is Keith Weinhold and Grant Cardone 10x your wealth number 264, a lot of listeners like that episode saying something like it was a dream to hear grant and I together for the first time. Like that, their favorite sales trainer on their favorite real estate show. You can listen by either scrolling way back to get rich education episode 264 in your podcatcher, or you can listen directly by going to get rich education.com/ 264,    Keith Weinhold  8:11   now the Fed has said that they are going to slow or end Qt, next month. All right, when Jerome Powell says something like this, what does that really mean to you as an investor? What can you expect ending QT? Well, you probably already know that QE quantitative easing that has the effect of creating dollars. Qt is the opposite. It has the effect of destroying dollars. So if they're ending Qt, this helps keep more dollars around in the future. So ending Qt then, like we expect soon, that really parallels a lower interest rate environment, because see lower rates already make dollars flow more freely. You probably remember the analogy that I introduced to you on the show earlier this year about how lower rates are like lowering the height of a dam wall. It makes it easier for water to flow, so then lowering rates makes it easier for money to flow, and that's because low savings account rates make people get money out of those vehicles. Okay, that's that low dam wall and low borrowing rates make that money flow as well. People will unlock dollars if rates are low, late last year, the Fed dropped rates a full 1% then they didn't make any moves for a while, until late this year, they've now dropped rates another half a percent. That's the environment that we're in. So then more QE and less QT. That further eases the flow of dollars, and it correlates with even lower rates that are coming in the future. Now it doesn't mean that they will. I'm not saying that they certainly will. There is just that tendency, that correlation. So we had pandemic era QE there about five years ago, that ended as we moved to Qt in 2022 and now what we're doing is unwinding Qt, moving back toward more flow, and it surely gets more technical than that. Ending Qt allows the Fed to expand its balance sheet again. Treasuries and mortgage backed securities, once matured, can now be replaced, and that injects liquidity into the system once again, and that is where we're going. Bank reserves are reaching ample levels again, and there is no need to put liquidity stress on money markets. A lot of these moves are here. What they're here for is to help ease the concerning labor market. It's been almost exactly three years now since chatgpt launched, and a while back, I mentioned how companies were newly interested in hiring the shiny new job that didn't exist before the AI prompt engineer that was one of the hottest jobs. Well, yeah, that was true back in 2023 but not so much. Now. A lot of companies have figured out that the employees that wanted to keep their job, well, they figured out real quick how to be the Ask AI, good questions guy, and we are seeing more layoffs later today, my guest and I will talk about that, and also he's going to make somewhat of a future mortgage rate forecast, or at least talk about the direction that they're going in. I think you're really going to like that. I don't predict rates myself, but sometimes a guest will. That's what's happening today. My point here is that with Qt ending, which again lowers the damn wall height and eases the flow of money, that parallels the fact that we have lower interest rates now than what we had one year ago, and we have lower interest rates now than what we had two years ago. As well, be mindful that you cannot get it all as a real estate investor. You cannot get soaring employment and low interest rates together. You cannot get those two things together, at least not for long. High employment means high rates. Low employment means low rates. Today's guest, and I will get into that as well.    Keith Weinhold  12:43   Well as we've had lower rates, hence a lower wall height, don't buy property and expect that you'll be able to refi into a lower rate within a year. If it happens, great. Don't buy expecting rents to go up or rates to go down, although many think that will happen. Just enjoy it. If it does, rent vesting has been on the rise lately. Yes, rent vesting. What that means is when you pay rent in the property where you live, and then the only properties that you own are rental properties. Rent vesting makes sense if you live in California, New York City and Boston, since rent to price ratios are so low there, and then you invest your dollars inland, that's how you can live in a high cost place and yet still benefit from cheap rental property and have income streams from them. You might remember that some months ago, I interviewed two listener guests on the show, everyday listeners, just like you, and California based investor and GRE listener, Joshua Fang, told us about his rent vesting. He pays rent in his primary residence, since the rent to price ratio might be three tenths of 1% there and then he owns property in GRE marketplace markets, I think it was Memphis and elsewhere where you're benefiting from, say, eight tenths of 1% that is called rent, vesting, investing in properties that make sense that you buy through GRE marketplace. And remember when Josh told us that passive income gives him time to enjoy life and even stop and watch two lizards for 15 minutes? Oh, what passive income can do. It's the quirky things that you remember. See. The point is that smart people in high cost states are rent vesting, if that's what you've got to do in order to own real assets. Then do it get on the right side, as this difference between the haves and the have nots just keeps expanding. I just did something that you might find interesting over the weekend for the first time in years. I visited that first fourplex building that I ever owned, which is also the first piece of real estate that I ever owned, that blue colored fourplex, and it is still blue. The address of that property is 925 east, 45th court, and it's in Midtown Anchorage. It has never been a pretty neighborhood, and I confirmed that it still is not. It looks a touch worse than when I owned it. I straightened up the curb appeal more than today's owner does. I bought the four Plex over 20 years ago for $295,000 and at that time, on the day that I bought. The total rents were $2,900 because it was 725 per door. I just looked on Zillow. And do you want to guess at its zestimated value today? Yes, it cost 295k back in 2002 and today, the Zestimate is 625k I don't know what today's rents are. My guess is that they're just short of $6,000 for all four units combined, two bed, one bath, 960 square foot units, really plain vanilla, boring looking housing, but it's certainly not like a crime ridden slum. It's just that depressing looking block that's just chock full of disorder and these other four Plex buildings and dumpsters all over the place. But yeah, that's how it all began for me. I visited that building again, and I haven't owned it in a while. I 1031 exchange out of it and into an eight Plex in 2013 if it weren't for that building, you would not be listening to me right now, and you would not have heard of me, because this show wouldn't exist big thanks to the three and a half percent down FHA loan for someone that came from humble means, like me.    Keith Weinhold  17:03   Last month, I did a running race that goes up a ski jump that was pretty cool. It gets so steep that you have to grab onto a cargo net to pull yourself up. It's almost like a rope ladder. I did not win. I got fifth out of 21 competitors in that race. Hey, I like to get out and physically challenge myself. After talking real estate all day, my body weight is up a little. It's currently sitting at 178 pounds. That's 81 kilograms for our European listeners, and it hit its recent bottom of 172 back on the Fourth of July. That's by design. I need to be really leaned out for a big Independence Day race every summer. You know, I'm one of those guys where I still cannot compete with bodybuilders because I'm too lean, and yet I don't win running races because I'm too bulky, so I'm more of an all around guy. I do about seven different sports, and that's exactly how I win nothing and always get like, fifth place or worse. This major mammal has got to keep himself moving, In any case.   Keith Weinhold  18:17   next week here on the show, we'll talk to a Harvard grad. She's super interesting. She used to work at Apple, and then she founded an AI centric property management company so that you can use her platform to self manage and leverage AI. But are we at the point where your tenant would really talk to a chatbot? Would that fly? And if society is there, well then do property management fees and everything start trending towards zero. I'm going to ask her about that. That's next week. As for today, you know, the world series ended about a week ago, and what I did is that I watched 10 commercials during the World Series, and then I jotted down the name of each sponsor, and here's who the World Series advertisers were just in this one segment where I paid attention to them. They're all big brands that you've heard of atnt Liberty, mutual nature made brand items like vitamins and supplements, Starbucks, Coors, light, Qdoba, Capital One, Home Depot, crest, white strips and Jim Beam, all right, those were the 10. What do those 10 have in common? More or less, any ideas there those 10 products and companies are all for consumer products. That's the common link. And that might seem so obvious that you wouldn't even think of it. Well, this is because most ads are for consumer products. Those ads fuel consumerism. And there's nothing wrong with that at all. That. Represents an economy. In fact, I use some of those very companies in my personal life.    Keith Weinhold  20:04   But here's the difference here at GRE our sponsors help you produce, not consume. Think about that as you listen to me in this spot for freedom, family investments and then Ridge lending group, then I'm coming back for more with a terrific guest.    Keith Weinhold  20:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach, directly. Again, 1-937-795-8989,   Keith Weinhold  21:34   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   John Lee Dumas  22:08   this is Entrepreneur on fires, John Lee, Dumas, don't follow Money. Make money. Follow you with get rich. Education.   Keith Weinhold  22:22   So we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach. And like I've told you before, he's got both the formal education with his MBA and the self education, because he's an active real estate investor for four years now, he has helped you completely free, usually over the phone, sometimes on Zoom. He learns your own personal goals and then helps you find the market that's right for you in fitting those goals. And I've had listeners like you tell me that, you know, I can't believe that getting his actionable insight is free, and now he can help you best, though, if you're ready to own more income property, he even helps connect you with the exact property address, like say, 321, raspberry Street in Huntsville, Alabama. So it's great to welcome back to the show and provide the listener with a respite from my mouth breathing rhetoric and discourse, it is GRE investment coach. Naresh Vissa,   Naresh Vissa  23:24   thanks a lot, Keith. I can't believe it's been four years. It's been four amazing years, and congratulations to you and to GRE for being around so long and together, we have grown our listenership, and we appreciate all of you listeners, listening out there, for sure,   Keith Weinhold  23:42   real estate activity has slowed down overall, but things are still really vibrant. Here at GRE we see more activity than we saw last year, and when we talk about increasing activity, Naresh, the Fed, looks to do that when they reduce interest rates, that incentivizes businesses to borrow, that incentivizes consumers to spend, because, for example, they're not getting as high of a yield and their savings account. So now we're here in this fed cutting cycle. Tell us what that means from your perspective.   Naresh Vissa  24:15   We talked about this a few months ago when I was on the podcast at the Federal Reserve. I predicted that the Federal Reserve would begin a rate cutting cycle, and that this cycle would be extensive. It would not be an overnight, 100 basis point cut, or anything like that we saw in March. So that rate cutting cycle has begun, and they continue to cut. And we did an entire episode on President Trump and the name calling with Federal Reserve Chair Jerome Powell, whose term ends in the middle of next year. It's May of next year, when he's leaving. And with all that pressure, I predicted that the Fed would begin its rate cutting cycle. We are in the. Cutting cycle right now. They did a few cuts last year and stopped, which I thought were mistakes. But with that being said, we are in the thick of this cutting cycle. We are going to see more cuts moving forward. And what that means you're already seeing it. As a real estate investor, you are seeing, I don't want to say low interest rates, but lower interest rates compared to where we were a year ago, compared to where we were certainly 234, years Well, maybe not four years ago, but three years ago, we are seeing far lower interest rates, and we will continue to see interest rates, in the sense of mortgage rates, plummet as a result of this. So enjoy the low rates while they last, because they're not going to last forever. Nothing lasts forever, but the Federal Reserve, you throw in the government shutdown, I think it makes sense that the Federal Reserve continues to cut, because there's no telling where inflation is going to go. The experts thought that inflation would go up, up, up, up and be a significant problem. They've been saying that since the election winner last year or the election night last year, we haven't necessarily seen that. We have seen inflation somewhat go up, but we haven't seen that runaway inflation that many of the experts predicted as a result of the tariffs, as a result of the rate cutting, I think it definitely helps that number one, Doge, cut several government programs and cut a lot of government spending, not as much as they thought they would, but they cut enough to where they're limiting the amount of federal government spending. We've also seen mass layoffs, mass layoffs in the public sector, which has seeped into the private sector as well, because many of these private companies, like an Accenture, for example, many of these tech companies that were getting subsidies from the government, that funding has stopped, and that has led to layoffs. Now, what layoffs do is layoffs create, I don't want to say deflation, but layoffs are disinflationary, right? And we've seen significant layoffs, like I said, since February of earlier this year, when Doge was in the thick this government shutdown has led to mass layoffs as well. So we've seen 10s of 1000s of people well, we've seen hundreds of 1000s of people furloughed, if not at least a million people furloughed now, they will end up getting their pay, but we've seen 10s of 1000s of people laid off as a result of this government shutdown. And what that means is, again, this is very disinflationary. That's less money that the government is spending moving forward, not just right now, but moving forward. So there's a savings there that's also more people who are probably going to hold on to their cash as tightly as possible as they find new work. So this is, once again, disinflationary. And what does all this mean? All of this, to me, seems disinflationary. It goes against the narrative that when you cut interest rates, inflation goes up. It goes against a narrative that when you implement tariffs, inflation goes up, and that's why we haven't seen the runaway inflation that many so called experts were predicting. I think moving forward, the Fed continues to cut because of the weakness, at least when it comes to the job situation, because of the weakness with jobs, and because of unemployment, it's gone up somewhat. I think the Fed ends up continuing their rate cutting cycle through the end of Powell's term, and it could be just a series of 25 basis points every time they meet. Maybe if things get if there's something that they don't like, they up it to 50 basis points at one of the meetings. But the bottom line is, I think they're just going to keep cutting until Powell is gone, and then Trump will put in his guy into the Fed chair. And by that point, we may have cut enough to where there's not much left to cut yet, and that's when we're going to see there's a chance that could happen, or there's a chance the next guy will pick up where Powell left off and and do series of cuts as well. But what that means is that mortgage rates, we can expect, that's one of the most common questions I get from GRE followers, yeah, it's where do you see mortgage rates going? Because these people, they're not a lot of our followers, they're not following the intricacies of the market. Most of our followers have full time jobs as doctors or dentists or engineers or IT workers, and they're not following the ins and outs. And so the most common question that I get is, where are interest rates going? And I've been pretty spot on for the past few years, minus a few mistakes that I thought the Fed made. But I'm very confident when I say, just like I said when I came on earlier this year, that interest rates are on their way down there, and they are not on their way up.   Keith Weinhold  29:51   Just wait until this administration gets their guy in as the Fed chair. It almost feels like we're going to see a Javier Malay Argentina. President, you know, coming in with the chainsaw, they want to cut rates so aggressively, this administration, and Jerome Powell has sort of been a buffer against that, and Naresh has been using the term disinflation. I don't want you, the listener, to confuse that with deflation. Deflation means an increase in the purchasing power of your dollar, something that we rarely see. Disinflation means a slowing in price increases, meaning the rate of inflation goes down. And yes, I think it's been pretty obvious, and I've stated on the show before as well, that the Fed cares more about the employment situation than they do the inflation situation, probably, and you as an investor, you need to be careful what you wish for, because low rates sound really good, and they can be, but high employment typically correlates with high interest rates of all types, and lower employment typically correlates with low rates of all types. Rates get lowered because they know that the economy needs the help so you can't get both. You can't get both high employment and low rates. That condition doesn't persist for very long. And the Naresh during this part of the cycle, it's really been unusual and interesting at how new build properties have such advantages for investors today, including the aberration that the median new build property costs $33,500 less than the median existing property. That data is per the NAR when we think about new build property. Well, wait, first of all, that sounds amazing, and some people are incredulous about that, but there are reasons that the average new build property costs less. A lot of times the size is smaller. A lot of builders are building further from city centers. So I think before an investor gets in and buys a new build property, one really important question for them to ask is, oh, okay, well, how far is that property from an employment center. But otherwise, it's really the right time in the cycle for new build. New build can make your investment more passive. You know, you've got new fixtures, of course, and a warranty, and you're going to have lower insurance costs as well, typically, on a new build property. And Naresh, as you're talking with our followers and investors about new build property. I'm just kind of wondering, do you get more people that want to self manage the property because it's new build, because they figured that their maintenance and repair requests are going to be fewer? Or what do you see in there?   Naresh Vissa  32:35   No, not at all. Because the strength of GRE is that we connect investors, we coach investors so that they can own real estate around the country. They're not owning real estate in their neighborhood or in the area that they live in. We only focus on markets that make sense, generally linear markets, state friendly landlord friendly states, those other markets we are focusing on. So even with new builds we are seeing, I would say 100% of investors saying, hey, I want professional property manager, managing the property that's extremely, extremely common, that is the norm. I will also say, with new builds you brought up earlier, when you introduced me, I own several properties. The last two properties I bought were new construction. Were new builds. Yeah. And I personally comparing the first six properties of rehabs to my last two, which were new builds, I've had far fewer issues with the new builds, not just far fewer issues. I would say overall, the profitability has been greater with the new builds, despite the pro forma initially showing that I would barely Break Even now, I did buy several several years ago before all this appreciation and inflation hit. But it certainly helped a lot to have new builds where the maintenance is far lower and where the quality of the tenant is extremely high. So I generally recommend our investors, if you have the capital available, and generally, just to keep things simple, I say if you have $100,000 in liquid cash ready to go, there's no reason why you shouldn't be buying a new build. Would I waste my time with the rehabs, with the burrs. I mean, those could be profitable too. You should never say no to anything but the new builds. I've slept better at night because of those reasons, because I know at least for the first 10 years that there aren't going to be any major problems and the quality of the tenant is going to be far higher. So I'm a huge fan of new builds, not pre construction. Pre construction means you're buying a plot of land, and then you hope that the builder is going to build a home on top of it. And most of the time, the builder does, but many times, as we saw during the pandemic, there were key. Countless stories around the country of developers selling pre construction and then nothing ever got built. They ended up flipping the land and generating a profit off of it. I don't recommend those at all, but new construction is the way to go. And I'll also add one more tidbit about the previous topic that we talked about, regarding interest rates also remember that lower interest rates mean that the government and their debt they're going to be paying, they can refinance their debt and pay lower interest on their debt when interest rates go down. So that's also going to help reduce the the deficit, and it's going to help reduce the debt as well. So that will help bring inflation down.   Keith Weinhold  35:42   We're talking about buying a property that's already built with new construction, and in a lot of cases, like we'll talk about shortly, it's already tenanted for you as well. So it really reduces the guesswork and the waiting. And of course, new build properties tend to appreciate better than existing properties. So, yeah, tell us more about new build properties, because they tend to be in Florida and Texas that really has an outsized number of them right now. And that's where the builders are really giving incentives when we talk about appreciation, and where we think about appreciation going in the future. You know, appreciation has been really tepid, really boring. Prices have even contracted a little in some Florida and Texas sub markets, but with the long term trend, visual capitalists just shared a terrific map from today to 2050 for example, the Texas population is expected to grow 27% one of the fastest growth states that there is going to be. And a lot of people say, Oh, isn't it going to pass California in population soon? No, not anytime soon. It'll be decades. California is expected to grow 8% over the next 25 years, but Texas is a place where the numbers still can make sense on new build, because you have some overbuilding. So some builders are really incentivized to give you a good deal.   Naresh Vissa  37:06   Well, there are several markets in general. Let's just talk about it. You use an important term, which is appreciation. With new builds, the likelihood of appreciation is greater. This is statistically backed up. You can go check your sources, but the likelihood of appreciation is far greater with new builds compared to older rehabs, a property that's 50 years old, six years old. In fact, those properties probably appreciated early on in their life cycle, and that's just generally how it works. So with new builds, I say look, cash flow is still important. Cash flow is one of the tenets of real estate paying five ways. It's one of the core tenets of get rich education. But you also have that appreciation play with new builds. Again, it's about markets, because if you're buying a new build in, let's say a California or a New York or a New Hampshire, some really anywhere in the northeast, then it is somewhat of a speculative play, depending on the price point, depending on a lot of different other factors. But when you're talking about the markets that we operate in at GRE you brought up two of them, Florida and Texas. There are other markets, like in Tennessee and Oklahoma, where we have new constructions, and they are also positive, cash flowing, high appreciation place. So you just never know what's going to happen. I bought a new construction, for example, just outside of Memphis six years ago. It was just outside of Memphis in Mississippi six years ago, and I bought it for purely cash flow purposes. The pro forma looked good. Property was brand new. It was near several areas where there were many jobs. So I said, Hey, this is a good cash flow play. And I even remember asking my sales agent, hey, what do you think about appreciation? I usually never buy for appreciation, but this is a new construction. What do you think? And he said, You know what? I don't know if this is really going to appreciate that much. I'm not really sure about that. So I said, that's fine. I like the cash flow. Well, fast forward, six years later, as I said, we you just never know what's going to happen. We saw this inflation. We also saw an influx of people migrating into Tennessee, migrating into Mississippi, especially that Mississippi Tennessee border migrating into the Memphis area. Now we have the Trump administration, sent in the National Guard  about about a month ago, sent in the National Guard into the Memphis area, and they haven't left. They're still there, and crime has is at least based on the numbers that crime has really the National Guard has made a big difference on crime, and that's usually the number one deterrent for a market like Memphis. The point that I'm making here is that you just never know what's going to happen with these new construction builds. If you can get positive cash flow, I always tell our listeners. Shouldn't buy a new construction that's negatively cash flowing. You still want to protect yourself. You don't want to be paying money out of your bank account to own a property. Money should be coming in. So you still want to be positive cash flow. And the appreciation is a huge, huge plus, even in areas that you would not think or that you would not expect to appreciate all that much.   Keith Weinhold  40:22   Appreciation just is not as much of a story over on some other platforms, perhaps, or the way that people think about it, because if you pay all cash, appreciation isn't that good for you, but you're leveraged at four to one or five to one with a 20 to 25% down payment, which can really give you those outsized rates of return, which aligns with what we talk about here at GRE Well, we have a live upcoming virtual event. It is this coming Thursday, and before I ask you if you have anything else to tell the audience here as we wrap up, Naresh, it is hosted by you. So it is co hosted by our own in house investment coach Naresh, and our guest that you heard last week here on the show radio veteran Adam. The Event Thursday is called how to scale your portfolio with tenanted cash flowing new construction properties where you can get up to $41,000 cash back after closing, we talk about these builder incentives. So today's real estate market is really giving buyers opportunities for new builds that I haven't seen, maybe ever. Builders are incentivized to move their properties, and we've made headway with builders to get you up to a 10% cash back incentive at closing when you purchase, you can either take the cash at closing or boost your cash flow by buying down your rate, perhaps get some rent credits, so learn how you can take advantage and really prime yourselves for moves today that are going to lead to your success in coming years. And we have tenanted again, tenanted already occupied new build properties in hot markets like Houston, San Antonio, Dallas, Texas, ready for you to purchase with up to that 10% builder incentive so that you can cash flow from day one. And these properties are really in high quality communities, primarily owner occupied, high appreciation, upside, solid rent growth. So learn the strategy, learn the markets and even see available new build income property. The benefit of you attending is that you can have your questions answered in real time by Naresh or Adam. You can sign up for that now at grewebinars.com It is Thursday, November 13, at 8pm Eastern. Any last thoughts as we lead into Thursday, Naresh?   Naresh Vissa  42:45   Gre, webinars.com gre, webinars.com go to that website to register for our free online special event. It will be live. I'm going to be there with Adam. You heard on last week's podcast, we've got some great deals and great incentives, like what you said, Keith, and they're all new constructions. They're all new constructions, mostly in Texas. And these are major markets in Texas too. We're not talking, yeah, many of our followers and listeners, they see a new construction, and they're like, I've never heard of this place in Alabama, or I've never heard of this place in Oklahoma. These are in legitimate suburbs, areas outside of Dallas, Houston, San Antonio, some of them are even in Dallas, Houston, San Antonio proper. So these are markets that everybody is familiar with. It's not some podunk town that you may have seen on our GREmarketplace or GRE spreadsheet in an Arkansas or in Alabama. These are mostly in Texas. The incentives are great, and these are national builders as well. These are not small, no name, Mom and Pop builders. These are national builders who we are working with to offer these special incentives. These are names like you've heard. Many people have heard. Some of them are publicly traded companies like an LGI, that's a very large national builder. That's who we've partnered with to get these deals so grewebinars.com is the link to register for our online special event. GREwebinars.com. I hope to see all of you this Thursday,   Keith Weinhold  44:31   major builders, major markets and major incentives on new build property. You're going to hear more from Naresh on Thursday, it's been great having you back on the show.   Naresh Vissa  44:43   Thanks a lot. Keith   Keith Weinhold  44:50   oh yeah. Naresh does a better job of hosting GRE webinars than I do. In my opinion, you'll remember that I hosted them myself until 2020 23 but you know, maybe I'll come on to a future event for just the first five minutes on one of the upcoming ones, and give an intro before I let the real pros take over. This event is called really just what it is, how to scale your portfolio with tenanted cash flowing new construction properties. It's co hosted by Naresh and Adam, who you met last week. I have never seen this before, where the builder is giving you a fat 10% discount after closing, 10% you can use those 10s of 1000s of dollars to buy your rate down into the fours or other things like use it toward a down payment on another property, pair it with DSCR loans and pay no mortgage insurance on either property. You could buy one property or two properties or 18 properties through the event and DSCR loans. You might remember that means no time consuming income verification, no concerns about your debt to income ratio or W twos or tax returns. We'll show you how to do it all. Like Naresh was saying, we eat our own cooking. We ourselves. Here at GRE are investors too, and we are buying new build for our own personal portfolios. The time is right for this. It wasn't a few years ago, and a few years from now, it probably won't be either. Hundreds are already signed up for it. It is this Thursday, at 8pm Eastern. It's GRE, last event of the year. This is it one last time attend by signing up at grewebinars.com that's grewebinars.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 4  46:59   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. You   Keith Weinhold  47:27   The preceding program was brought to you by your home for wealth building, get richeducation.com  

For millions of people with disabilities around the globe, the World Social Summit happening in Doha this week, represents something more powerful than promises – it represents hope.That's according to Fatma Al Jassim, who is in Doha representing the Global Disability Innovation Hub, a pioneering research centre in the UK, dedicated to driving disability innovation for a fairer world.Speaking to UN News's Abdelmonem Makki, Ms. Al Jassim explained why true inclusion is key to real change. 

The Scarcity Value of Time: Impressionism and the Legacy of Julie Manet. Sebastian Smee discusses how Berthe Morisot's life is carried forward by her daughter, Julie Manet, who represents a "perfect representation of Berthe." Before Berthe succumbed to illness, she wrote a tender letter expressing how Julie had "never once not made me happy." Smee links the philosophy of Impressionism to Sigmund Freud's essay "On Transience," arguing that awareness of mortality should make people value the present moment more—a concept called "scarcity value in time." Impressionism is inherently an "art of transience" that captures fugitive effects. Morisot exemplified this philosophy by valuing the present moment's beauty, refusing to apply artificial meanings or permanence. Ironically, revolutionary Impressionism soon became "orthodox," though the next generation reacted against it, believing it lacked structure. Despite criticisms, Impressionism has lasted because audiences recognize the truth in valuing fugitive effects, and its greatest contribution was the liberation of color.

Your Vote Matters! If you live in Tarrant County, your vote today could determine who represents you in the Texas Senate! Early voting ends today! Main election day: November 4th, 7AM-7PM Polling hours vary by location but generally run from 7 a.m. - 7 p.m. most days, with some extended options. Find out which candidates on your ballot really stand for your biblical values in partnership with iVoterGuide by visiting IVoterGuide.Com!

The 98th National FFA Convention officially begins today in Indianapolis, Indiana. Jill Welke is there with Wisconsin's State FFA President, Amalia Draxler. Draxler previews some of the planned events and duties the state's officers will be undertaking to help the convention move along. Sunshine should dominate Wisconsin's weather today. Stu Muck says the temperatures stay consistent but the winds pick up. Wyffels Hybrids brings us a field update with Stephanie Hoff. Luke Bird is the Wyffels district manager out of Rock, Walworth, Racine, and Kenosha counties. He says that as the government continues to be shut down and we don’t get a crop progress and condition report from the U.S. Department of Agriculture, the Wyffels Harvest Progress Report is a great resource for not just harvest updates, but yield estimates. While visiting the harvest report, don't forget to plug and play with new Wyffels Hybrid selections on the Yield Calculator, also available on the Agronomy tab. Mary Schreiber from East Troy is wrapping up her year of service as the Central Region Vice President on the National FFA Officer team. She explains that she's covered about 90,000 miles in service so far. One visit that sticks with Schreiber is a chapter visit in West Virginia. She met an enthusiastic member who "bled blue and gold". What Mary later found out was that the member was living with her grandparents after one parent died of substance abuse, and the other was still battling the disease. Mary said the FFA advisors became surrogate parents to this member. She admits that the story startled her and reminded her that the FFA is more than just agriculture and leadership - it's family. Data centers are popping up in more conversations across the state. Some are small in scale - others are "hyper" in size. Ben Jarboe travelled to Janesville this week where organizers were asking for answers and transparency on a proposed data center for a former GM plant location. Cassandra Pope, organizer of No Janesville Data Centers, shares her perspective on the process and the project.See omnystudio.com/listener for privacy information.

Today, Josh warns about the very real threat America could face if Zohran Mamdani ever became mayor of New York City, exposing his radical agenda and his attempt to play the victim card over 9/11. Josh then shifts to the high seas, breaking down the U.S. military’s targeting of drug boats in the Caribbean. He wraps up with the Left’s latest meltdown—this time over President Trump adding a ballroom to the White House.See omnystudio.com/listener for privacy information.

For many, the beautiful, classical architecture of the proposed ballroom will convey a sense of elegance and majesty, uplifting the spirit. For others, it's political and problematic. We delve into the design, the architect, and what this battle is really about.

Mike and Rico take your calls and read your ticket texts on their NIL conversation at hand.

6. Volodymyr Zelenskyy: The Evolution of Ukrainian National Identity Volodymyr Zelenskyy, born in 1978, represents a modern, non-ethnic definition of Ukrainian identity. Zelenskyy is a Jewish, native Russian-speaking former comedian and successful media entrepreneur who spent a substantial part of his career in Moscow. His identity showcases that being Ukrainian is now primarily a national affiliation based on commitment to the state, transcending language or ethnic background. Zelenskyy entered politics as an outsider because the old guard had failed to bring prosperity or resolve the war in Donbas and the Crimea crisis. Russian propaganda attempts to label him as a neo-Nazi, but his background contradicts this. He initially believed that his native Russian language and past work in Moscow would enable him to successfully negotiate a peace treaty or resolution with Vladimir Putin.

Scoot breaks down some of the numbers that tell the story of the 2025 Mayoral election

What Do You Think This Google Trend Represents Learn more about your ad choices. Visit megaphone.fm/adchoices

The US and China are the world's two most powerful countries, but they have very different visions for the global order. Compare the speeches delivered at the UN General Assembly by Donald Trump and Chinese Premier Li Qiang. The United States wants a unipolar system based on unilateralism, aggression, and hegemony, whereas China wants a multipolar system based on multilateralism, peaceful development, and sovereign equality, centered in the United Nations. Ben Norton explains. VIDEO: https://www.youtube.com/watch?v=OzCf8XlrKKU Topics 0:00 (CLIP) Highlights of Trump's speech 0:59 Rise of China 2:25 US empire in decline 3:02 Contrasting visions of world order 5:11 Unilateralism vs multilateralism 7:16 (CLIP) China's Premier Li Qiang 8:07 Geopolitical adult in the room 9:20 China opposes new cold war 10:08 (CLIP) Dangers of war 11:07 Compare Li Qiang to Trump 11:36 (CLIP) Trump: "we're the hottest country" 12:24 Fact-checking Trump on US economy 14:07 (CLIP) Trump on stock market 14:34 Inflation 15:35 Electricity prices 16:18 Job growth 16:54 Trump's approval rating 17:55 Trump claims to end 7 wars 18:48 (CLIP) Trump condemns UN 19:54 US sabotages UN, abusing veto 21:50 China upholds international law 22:26 (CLIP) China defends UN & Global South 23:19 Reform of international organizations 23:50 (CLIP) Global Governance Initiative 24:26 80th anniversary 25:30 (CLIP) China on World Anti-Fascist War 26:19 Trump wages war 26:55 (CLIP) Trump wants Nobel Peace Prize 27:14 Trump boasts of attacking Iran 27:40 (CLIP) Trump's war on Iran 28:25 Trump boasts of attacking Venezuela 28:55 (CLIP) Trump's war on Venezuela 29:37 Expanding NATO military spending 29:54 (CLIP) Trump on NATO 30:11 Immigration 31:05 Dementia 31:25 (CLIP) Trump attacks immigrants 32:31 China defends diversity 33:21 (CLIP) China on civilizational respect 33:42 Climate change 34:42 (CLIP) Trump lies about climate change 35:29 China's wind & solar power 36:28 China values science 37:52 (CLIP) China on climate change 38:10 Technology for development 38:31 (CLIP) China on technology 39:03 The future vs the past 39:42 Trump serves fossil fuel corporations 40:27 (CLIP) US as #1 oil & gas producer 41:20 China's vision vs USA's vision 42:37 The emperor has no clothes 43:38 Outro

Welcome to the Leading Edge in Emotionally Focused Therapy, hosted by Drs. James Hawkins, Ph.D., LPC, and Ryan Rana, Ph.D., LMFT, LPC—Renowned ICEEFT Therapists, Supervisors, and Trainers. We're thrilled to have you with us. We believe this podcast, a valuable resource, will empower you to push the boundaries in your work, helping individuals and couples connect more deeply with themselves and each other. The episode focuses on working with the negative view of self in Stage Two of EFT therapy, exploring the deep, vulnerable process of helping clients confront and share their most painful self-perceptions. Main Points: 1. Negative View of Self Characteristics: - Goes beyond just emotions - Represents core identity messages - Often rooted in past traumas and attachment injuries - Involves believing fundamental negative things about oneself 2. Stage Two Therapeutic Approach: - Linger and excavate the deepest negative self-messages - Use enactments to reveal core identity beliefs - Help clients share their most vulnerable self-perceptions - Create opportunities for partner acceptance 3. Key Therapeutic Strategies: - Slow, careful exploration of negative self-view - Validate and reflect deeply - Allow partners to provide compassionate, attuned responses - Avoid rushing or trying to immediately "fix" negative beliefs 4. Goals: - Help clients reveal their most painful self-perceptions - Create space for partner acceptance - Gradually restructure negative self-beliefs - Support healing from past relational wounds The episode emphasizes that working with a negative view of self is a profound, delicate process requiring patience, depth, and compassionate therapeutic skill. To support our mission and help us continue producing impactful content, your financial contributions via Venmo (@leftpodcast) are greatly appreciated. They play a significant role in keeping this valuable resource available and are a testament to your commitment to our cause. We aim to equip therapists with practical tools and encouragement for addressing relational distress. We're also excited to be part of the team behind Success in Vulnerability (SV)—your premier online education platform. SV offers innovative instruction to enhance your therapeutic effectiveness through exclusive modules and in-depth clinical examples.  Stay connected with us: Facebook: Follow our page @pushtheleadingedge Ryan: Follow @ryanranaprofessionaltraining on Facebook and visit his website James: Follow @dochawklpc on Facebook and Instagram, or visit his website at dochawklpc.com George Faller: Visit georgefaller.com If you like the concepts discussed on this podcast you can explore our online training program, Success in Vulnerability (SV). Thank you for being part of our community. Let's push the leading edge together!

Perimenopausal weight loss may seem daunting to some. We hear so much more about perimenopausal weight gain and weight loss resistance.  If you've learned diets don't work the hard way, you'll identify with my guest. What you may not realize is why the diet isn't working. A whole food, healthy diet will often work for most. But it won't work if that isn't the problem. My guest in this episode overcame a stressful corporate existence, and thanks in part to the pandemic, was able to leave that and 80 lbs behind. Here is how she achieved her 80lb perimenopausal weight loss in this episode.    My Guest: Terry Tateossian, 48, is a health and fitness expert, podcast host, and the Founder of THOR: The House of Rose, a wellness community for women over 40. Terry is an ISSA certified Personal Trainer and Nutritionist, Registered Yoga Teacher, and IIN-Certified Hormone Specialist and Emotional Eating Coach. She is also the host of the podcast, ‘How Good Can It Get'.    Questions We Answer in This Episode: [00:04:10] Shedding over 80 lbs at 42, was this the first time you'd tried to lose weight? What had you tried before? What was different about this time?  [00:07:10] What was life before vs after? You have a corporate background, did that end before, during or after the weight loss?  [00:16:01] Any relationship changes as a result of the weight loss?  [00:19:46] How did habit gravity and self-identity keep you stuck at 80 lbs overweight, and how did you break free? [00:23:59] What was it like to let go of your corporate identity and step into a new wellness-focused life?  [00:28:30] What is the significance of the name THOR: the House of Rose?    Why Diets Fail and What Actually Works in Perimenopausal Weight Loss   The Struggles Pregnancy weight never lost Tried 30 diets before age 37 Health issues: hospitalizations for chest pain, prediabetes, PCOS, heart murmur, and more Coping mechanisms: alcohol, overwork, nightly binge cycles   How Terry Overcame Weight Loss Worked with a coach which brought awareness on patterns Admitted patterns and habits  Realized problem was stress and coping mechanisms Learned to ask: “Am I hungry, or am I coping?”   THOR: The House of Rose Retreat center in Tennessee surrounded by roses Represents loving and honoring the body as sacred ROSE = love, divine, highest frequency flower THOR = strength + femininity → union of masculine & feminine energies What to expect? Yoga, massage, hiking, nutrition, and coaching   Connect with Terry: Terry's Website - THOR: The House of Rose Instagram - @how.good.can.it.get Spotify - How Good Can It Get   Other Episodes You Might Like: Previous Episode - Muscle Mass and Strength Gains After Menopause How Much How Fast? Next Episode - 3 Steps to Improve Cardio Fitness and Longevity (at any age) More Like This Adrenal Fatigue Talk with the Hip Hop Energy Doc, Tricia Pingel Intermittent Fasting: Solution or Sabotage Emotional Eating? How Emotional Eating Can Be the Hidden Reason for Weight Gain Happier Hour | What Wine Time, Sober, and Sober-Minded Living Mean to Health   Resources: Flipping 50 Womens Retreats helps you step out of routine, challenge your body and mindset, and rediscover how you want to live midlife—supported by fitness, hormones, nutrition, and women just like you. Don't know where to start? Book your Discovery Call with Debra. Leave this session with insight into exactly what to do right now to make small changes, smart decisions about your exercise time and energy.