Podcasts about school districts

Keith explores how real estate strategies have shifted from the 1980s to today and explains why investors need to adapt deal structures to changing interest rates, lending conditions, and market cycles.  He highlights current opportunities in new construction and builder rate buydowns, along with the long-term benefits of fixed-rate debt.  Keith is joined by economic futurist and author Richard Vague, who challenges conventional beliefs about inflation and interest rates and explains how government intervention, war, and supply constraints shape asset prices and leverage decisions. Together, they provide a big-picture framework for understanding how today's macro environment affects real estate investing decisions. Episode Page: GetRichEducation.com/621 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  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. Learn how dramatically real estate has changed from the 1980s through the late 2020s. We'll be sure that your approach is changing with it. Then a great guest and I discuss how war and future calamities will affect mortgage rates, inflation, and your real estate today on Get Rich Education. What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Home Buyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms Mid South has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that September 30th. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   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  1:51   Welcome to GRE from Cambridge, England, to Cambridge, Massachusetts, and across 188 world nations. I'm Keith Weinhold. You're inside Get Rich Education. You could be doing anything with your time. I'm grateful that you choose to listen to me every week. You know, real estate investors sometimes say, "Ah, there aren't any deals anymore. What they usually mean is the deal structure that they learned five years ago stopped working. There are always opportunities in real estate, but your approach changes with interest rates, lending standards, inventory, construction, government policy, and just the overall economic cycle. The best investors don't wait for yesterday's market to return. That's like someone still hoping for Blockbuster Video Store to reopen. They identify what today's market is offering instead. Just consider this historic retrospective on real estate investing from the Reagan administration to today, in 1981, the 30-year mortgage rate peaked above 18.6%. I mean, just imagine proudly telling your friends that you locked in at 17% before rates went higher. That mortgage needed its own defibrillator. By 1984, rates were still near 16%. The strategy then, the approach, was for a buyer to assume the existing owner's lower rate mortgage that they locked in a few years earlier, perhaps in the late 70s, that's how you got a good deal, assuming that existing owners lower-rate mortgage. You can't do that so easily today.   Keith Weinhold  3:50   By the late 80s and early 90s, the opportunity shifted from assuming attractive debt to buying distressed properties. The S and L crisis was upon us. Savings and loan failed lenders found themselves holding piles of distressed real estate, so investors bought foreclosures and REOs at discounts. They improved neglected buildings and then they repositioned them for income. You probably know that REO stands for real estate owned on a bank's balance sheet. All REO means is bank-owned property, but that's what you did. You found those, and then you scooped up a deal that way. As the 1990s progressed, interest rates declined, and loans also became really easy to obtain. We were tilting into the loosey-goosey easy lending environment. In the 90s, it was popular to buy an undervalued property, renovate it, raise the rent, and refinance it based on the improved value. That process later got a buzzy acronym and became known as the Burr strategy: buy, rehab, rent, refinance, repeat. By 2005, financing got more creative. This is when I was a new real estate investor. I remember obtaining what were known as 8015 five combo loans. This meant an 80% first mortgage, 15% second mortgage, and 5% down payment. You remember those? If you've been around for a while, you do. And see, this way you could avoid paying PMI, and you could control property with an astounding 20 to one leverage ratio due to that 5% down payment, but soon enough lending just got absolutely too creative and easy. The quiet lending party turned into a boisterous kegger, delivering the 2008 financial. crisis, and pretty soon I could no longer get any loans. From 2009 through the early 2010s, you could buy foreclosures and short sales at enormous discounts if you could find the loan.   Keith Weinhold  6:20   Financing was tough, but prices were super low. It might have even made sense to pay cash at that time. Fear was everywhere right after the global financial crisis. I mean, it really took courage to act when others were hiding under the bed. By 2020 and 2021, the opportunity changed from cheap property to cheap money. Mortgage rates dropped below an absurd 3% as a result of the COVID pandemic. You could lock up extraordinarily cheap debt for less than the inflation rate, and then let inflation nibble away at it like Pac-Man. Of course, a lot of us are still benefiting from that today, but that opportunity is long gone now. But it doesn't mean that deals are gone today. Where's the opportunity? One of the best ones is often found in new construction, large build. have got to keep moving their inventory as they build these homes because they have got to keep their crews busy. An unsold house for a builder-I mean-that produces as much income as an unplugged Bitcoin miner. Rather than make conspicuous price reductions, builders use their financial muscle to buy down mortgage rates for you, often in the 5% range or even lower.   Keith Weinhold  7:52   Builders might also offer you closing cost assistance, upgraded finishes, or other incentives that a single resale seller just can't match. So from the Reagan administration to today, over 45 years, the winning strategy just keeps morphing. It started out back then as assume the loan, over to buy distress, then to renovate and refi, then it was a creative financing wave, and then cheap debt, and today take the builders buy down. That's where we are. The mistake is deciding in advance what a deal is supposed to look like. The best deal structure changes, and of course, it's going to change again. The investor who keeps fighting the last war is always going to conclude that the opportunity has disappeared, but it hasn't. It's just changed clothing. Still, though, today's new purchases now-they're not as good as the deals that they were five years ago, but the best investors keep investing. They keep adding to their portfolio. It's what they've always done. Absolutely zero winning investors that are successful over time look back and say things like, "I didn't add anything to my portfolio during that 10-year span for this or that reason, the market changes, and you've got to adapt with it. That's a way to think about it. Take solace in knowing a few things. Deal structure changes over time are inevitable. And larger picture, you are investing in a product that is sustainable residential real estate in the form of long-term rentals. These entry-level properties are a scarce asset that people are going to continue to need. I mean, that's what we do here. Just compare. To the fads that we avoid around here, like NFTs, metaverse real estate, which we discussed on the show a few years ago, but said is highly dangerous, eye buying, value add apartment syndications, SPACs, or how about ICO funded altcoins? We don't chase the latest hot thing here at GRE. It is about what's sustainable, necessary, and cannot be easily disrupted by AI, and that's one reason that Get Rich Education is still standing strong after 52 episodes every year for almost 12 years now. Shortly, we're going to bring in a rather esteemed guest today on the future direction of interest rates and inflation. Interestingly, he believes that raising interest rates does not cool inflation, and that's contrary to popular belief. I'm going to press him on this and ask why, but first, our new Fed chair, Kevin Warsh. He's only been on the job a few months now.   Keith Weinhold  11:07   He is gaining a reputation for not forecasting what they're going to do ahead of time, like his predecessor had. I guess I tend to like his disposition and the way that he communicates, I sense some pragmatism with Warsh, but gosh, it often seems that a new Fed chair gets off to a well liked start, and then they do something that lots of people criticize. Like, remember in 2004, late Fed Chair Alan Greenspan suggested more borrowers could benefit from adjustable rate mortgages shortly before rates rose and ARM resets became financial landmines. In 2007, Ben Bernanke said that subprime mortgage problems were likely to be contained. Oh, right after that, they helped trigger the global financial crisis, and more recently, the Jerome Powell gaffe, which I'll mention in the interview shortly. Here's what current Fed Chair Warsh says about inflation:   Kevin Warsh  12:14   For some households, businesses, and market professionals, five years of high inflation have left a mistaken impression, that's hard to shake, that the Fed's implicit inflation target was somehow above 2% Let me reiterate, there is no soft inflation target. There is no soft implicit target, not on this committee's watch. There's only a target, and it's 2%   Keith Weinhold  12:42   It's obvious that he is serious about getting inflation back down to 2% That tends to point toward interest rate increases. Let's discuss that and more with this week's brilliant guest. This week's guest is an economic futurist keynote speaker, and he's quite a popular author. He is chair of the board of the Public School Employees Retirement System. That's the largest public pension fund in Pennsylvania. Previously, the Pennsylvania governor appointed him as the secretary of banking and securities for the Great Commonwealth of Pennsylvania, he's also the founder and president of several various organizations today, and he serves on several boards, including at the University of Pennsylvania and the School District of Philadelphia. I mean, I hardly know how he has time to do it all, but he made time for us today. Hey, it's great to welcome back Richard Vague.   Richard Vague  13:45   It's such an honor to be with you. I certainly enjoyed our last session, and it's really wonderful to be back.   Keith Weinhold  13:51   Well, and so much has changed since you were last here, Richard. First, why don't we pull back and talk to us about the general state of the national economy today, as you see it.   Richard Vague  14:04   ou know the economy was rocking along okay, and you know since you guys are such experts in real estate, I'll tell you one of the most important statistics, in my opinion, is the number of unsold homes, and by all rights, that number should be about 2 million homes. It's only about a million and a half. So there's a deficiency in our housing stock in the United States, which is, yeah, I think good news for the housing industry. It's always good to have a reason to have to grow. You may recall that in 2007, that had gotten up to four millinomes, which was a catastrophe, as we all know. So, it's the economic statistic I looked at first and most closely, and that was, you know, an okay number, and a lot of the things were going along. You know, not fabulous, but not terrible. Things were kind of moving. And all of a sudden now we have the war in Iran, and that's creating all sorts of problems for us, which you know I think you guys are concerned about. So I generally think the economy's been good, but there's a lot of dark clouds on the horizon.   Keith Weinhold  15:15   You know, Richard, I was recently sharing something remarkable with our audience. To your point, just since 2020, consider all the calamities that we've had: COVID, Ukraine, Israel, Gaza, tariffs, and the Iran War. Just since 2020, what's the result of all that? Both stocks and residential real estate are near all time highs.   Richard Vague  15:42   Yeah, well, you know, one of the things that's true is that this is something I go to in great detail in my book Paradox. But the more debt there is, the higher asset prices go.   Keith Weinhold  15:53   Yeah.   Richard Vague  15:54   You know, in the case of housing, that broadly helps middle America. In the case of the stock market, the top 10% of the country owns 87% of the stocks, so that tends to go to the wealthiest instead of to the broad population. But yeah, those two things are at highs.   Keith Weinhold  16:12   You're touching on your well-received 2023 book, The Paradox of Debt, and you know, Richard, amidst all these calamities and all this potentially unprecedented level of government intervention that we've had-you know-it makes one wonder during the next crisis, which is inevitably going to happen, will the government just step in and provide relief again? And how would that look?   Richard Vague  16:38   You know, I think that's one lesson that government has learned indelibly. Way back in 1929, in the couple of years that followed, the government did not step in, and we saw what happened. And I think there's a generation of economists that understand the role of government in a calamity, and you know it's pretty simple. You know the government comes in and crops up financial institutions as they did in 2008, simply by providing the liquidity or buying the bad assets, or the government steps in with relief checks as they did in such a massive way in 2020. But the government has learned that at least to some degree, it needs to intervene. I can't imagine that ever not being true.   Keith Weinhold  17:26   Goshmright when you think about 2020s stimulus and how emergency lending facilities were set up, you had the payment protection program, stimulus checks, mortgage loan forbearance. It's just like this government won't let the asset holders fail.   Richard Vague  17:46   Well, yeah, you know, there's failure, and then there's something that's hurtful but not quite failure. You know, I can imagine that the government will be able to prevent, in some circumstances, certain asset prices going down some amount, it's actually fairly commonplace for stocks to go down 10 or 20% I can see real estate prices going down as they have in the commercial office space. Yeah, but yes, the government will step in when those things become extreme to prevent a true calamity.   Keith Weinhold  18:19   Of course, one consequence of the interventionism is elevated inflation. I know how you've talked before about how the level of inflation is higher than most people think. For example, you'll see today's CPI numbers in the mid threes. Talk to us some more about why inflation is higher than most people think.   Richard Vague  18:41   Well, I have studied inflation, you know, fairly diligently, and inflation really relates to the constriction of supply. And if you look over the 250-year history of the United States, we haven't had that many episodes of bad inflation, and they've always related to a constriction of supply. Most of them have occurred during a war when, for obvious reasons, you know, supplies are constricted. The big 1970s episode of inflation was because OPEC, which had so much more power back in those days, acted to you know punish the United States by constricting supplies, and the price of a barrel of oil went from $4 to $40 a barrel. Yeah, between 73 and 79. COVID was another instance where inflation related to constriction of supply. That was you know people couldn't go to the meat factory to cut meat. People couldn't go to the factories to build things, so all of a sudden our supplies were decimated, and we had a short burst of very painful inflation. Well, now we've got the straight of four moves, and that is impacting the price of oil. I think it's going to impact the price of oil more going forward because. Because we've been able to rely on reserves, both the U.S. has been able to rely on reserves, and China has been able to rely on even greater reserves. And you know we haven't seen the brunt of that, but unless something's resolved pretty quickly, I think in the fall and winter we're going to see even more problematic prices there. But we know agricultural prices and even the flow of commodities like wheat are constricted by the constraints in the Strait of Hormuz and, frankly, other waterways as well. Now, one of the things the numbers that you see reported tend to underreport inflation because it looks at a year-over-year number and doesn't really capture it if it's moved up more sharply in the last month or two. So we look at it on a month-by-month. We you know we break it down about as to as many parts as you can break it down into. But PPI, which is kind of a leading indicator on the eventual CPI PPI's producer price index, it was 4.7% this last month. That would suggest to you that things which are in the mid threes now, which is more higher than we want, you know, probably trending over. Maybe not next month, but you know, over the next three to six months, I'm not going to be surprised if the number's more in the four to five range. So, yeah, I think inflation's being somewhat underreported at the moment.    Keith Weinhold  21:29   The PPI being that harbinger of consumer prices, often four to six months down the road. And Richard, the last time you were here, when it comes to checking and controlling inflation, you said something so interesting. You said that higher rates, which is typically the response in order to try to quell inflation, higher rates actually do not lower inflation, and you did not get a chance to expand on that because we ran out of time. Tell us more about why higher rates do not reduce inflation.   Richard Vague  22:05   Well, I'm going to answer that a couple of ways. One of them is higher rates don't open the Strait of Hormuz.   Keith Weinhold  22:12   Right.   Richard Vague  22:13   You can put rates as high as you want, and it's not going to open the Strait of Hormuz.    Keith Weinhold  22:16   Chairman Warsch doesn't open the Strait. Yes, he doesn't get oil produce nothing.   Richard Vague  22:20   Strait of Hormuz.   Keith Weinhold  22:21   Yeah.   Richard Vague  22:21   And so we can do all we want to on raids, which is a very blunt instrument, and it's not going to address the supply constraints that are geopolitical and war related. So, if you want to curb inflation right now, there's two things to do. One of them's you know end the war with Iran, and the other is to kind of back off a lot of these tariffs that have become so problematic. I think there's a place for tariffs. I think there's certain things China's doing that you know a call for an appropriate level of tariffs. I'm not sure we should be big tariffs on Canada and some of these other places, which have the effect of increasing the cost of our farm equipment and cars and other things like that. So, if you really want to address inflation and address the things that truly underlie inflation, and if the second way I'd answer this is to say, go look at the debt, track the data from you know 1945 or 50. You know, we really look at the post World War II period as the place we really learn things from, and over that period, increased government spending has been accompanied by reduced interest rates and reduced inflation. So, reduced interest rates and reduced inflation have gone hand in hand, and rising interest rates and rising inflation have gone hand in hand, and it's a really easy thing to look at. We've got the data on our site, but there's only been three periods where you've had big shifts in government spending and rates. They're pretty easy to look at, and there's actually empirically an inverse relationship between rising interest rates and it's the opposite of what economists tell you.   Keith Weinhold  24:09   I think, in general, economists tell us that when inflation is high, you raise interest rates because consumer spending is about 70% of the economy, and those higher rates therefore incentivize people to be savers because they're getting paid a higher yield, keeping those dollars out of the economy, and they're less incentivized to be borrowers and expand the economy that way. I think in general that's why economists say that higher interest rates reduce inflation. Do you agree with that?   Speaker 2  24:40   Well, no, I don't, and the reason I don't is because when you look at the data, that doesn't happen. These are easy things to check, and what I would say to you is that rising interest rates increase costs, and you guys know that better than anybody in the world.   Keith Weinhold  24:56   With mortgages. Yeah.   Richard Vague  24:58   What do rising interest rates do to? Cost of your mortgage.   Keith Weinhold  25:02   Everything increased substantially.    Richard Vague  25:03   It has system prices at the grocery store. Well, the grocery stores have to pay our interest for their inventory. So the more intuitive and obvious thing is that rising interest rates increase prices. And by the way, if you and I were to go look at the data right now, which I look at almost daily, that we would see periods of rising interest rates correlate to periods of rising increased costs.   Keith Weinhold  25:29   Well, I'm glad you look at history because I often say here at Get Rich Education, if you want to know what's going to happen in the future, it's easy to have a hunch, but it's more important to look at history. Can you talk to us some more about how, over the long term, higher interest rates don't suppress inflation? If that's what you're saying,   Richard Vague  25:47   yeah. The greatest rise in inflation, you know, in my lifetime was the late 1970s.   Keith Weinhold  25:55   Yeah,   Richard Vague  25:56   and for the entire time that interest rates were going up, prices and inflation were going up, and it wasn't until interest rates started coming down that inflation started coming down. So we could look at any number of periods, and if you're going to argue the opposite, you need to go find me some data.   Keith Weinhold  26:15   Okay. Well, speaking in more modern times, in the last wave of inflation that we had, the CPI peaked at 9.1% in June of 2022. This is the whole famous Jerome Powell: inflation is only transitory. Oh shoot, no, it's not. I better hike rates. He did, and then inflation came down. Is it as simple as that cause in effect, or did something else make inflation come down post COVID.   Richard Vague  26:42   Inflation came down, and it came all the way down in July of 2022. It didn't come down gradually over six, 912, 18 months. You go look at the length monthly inflation. Inflation came all the way down in July of 2022, and stay has stayed down all the intervening period until very recently with the Iran War. July of 2022 was before there was a dramatic increase in interest rates.   Keith Weinhold  27:18   Right,   Speaker 1  27:19   that's simple.   Keith Weinhold  27:21   What caused inflation to come down? Then is it because supply began to arrive on the market again?   Richard Vague  27:27   People went back to work, started building things again.   Keith Weinhold  27:30   Producing.   Richard Vague  27:32   And the problem was folks had not been able to go to the factories and make things, and so we had a you know global supply deficit. Well, the nice thing about that is that you know money incends people to scramble back to work, make things again, and you know once they start doing that, and the Fed actually produces something they call the Global Supply Chain Pressure Index. You can get it on the Fed site. If you look at it, it's supposed to be kind of at zero, and anytime supply chains are disrupted, it shoots up. And any you know, any time the opposite happens, you know there's overcapacity. It goes down, and you can see exactly when supply chains repair is happening. So go look at the. It's called the GSCPI. It's on the Fed side. You'll see that global supply chains had largely started to be dramatically repaired in the spring and summer of 2022, and naturally, supply and demand works. All of a sudden, supply starts showing up, and prices go to hell.   Keith Weinhold  28:39   We're talking with economic futurist author and Pennsylvania's governor-appointed former secretary of banking and securities Richard Vague, more when we come back on the affliction of inflation, what this means for real estate investors, and more. This is Get Rich Education. I'm your host Keith Weinhold. What if you got your mortgage loans the same place I get mine. You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge. While it's on your mind, start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  29:29   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866. That's family to 66866.    Dolph Derues  30:31   This is the king of commercial real estate, Dolph Derues. Listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  30:45   Welcome back to Get Rich Education. We're talking with Richard Vague. Richard is the founder and president of so many organizations today. He's the author of several popular economic books. He chairs the board of the Public School employees retirement system. That's the largest public pension fund in Pennsylvania. He's in a lot of places at once, seemingly. Richard, we're talking about inflation before the break. What is the right inflation rate?   Richard Vague  31:16   Well, like I said, inflation. If you look at the entire 250-year span of the United States has it been an affliction that has affected us that often? It is political kryptonite. So when it does happen, it steers our consciousness, and it you know certainly affects your industry. But you know, if we look historically, the Fed targets 2% It's not a bad thing to target. We never really have achieved that level for any length of period. I think if you look at it over the past several decades and take out the high inflation periods, it probably has averaged closer to three. So I don't think two to 3% is an inappropriate level, and I kind of suspect it'll be a level that typifies our future once we get past, if and when we get past this more.   Keith Weinhold  32:09   Yes, not long ago, I was looking at the history of the CPI or the CPI's equivalent, and over the last 100 years, the rate is about 3.2% and we haven't hit that government-mandated 2% target, which is stated right on the Fed's website. We haven't hit that for any month in about five years now, and this asset inflation, as we know, this disproportionately enriches existing asset owners, and it widens this inequality. Something that's more recently been known as the K-shaped economy, can you talk to us some more about this exacerbating wealth inequality?   Richard Vague  32:48   Well, you hit the nail on the head. Something on the order of 80% of all the net wealth held by Americans is in the form of two things: stock and real estate. If you want to talk about wealth, it's those two things, and those two things, probably 60 or 70% of all of those in the U.S. are held by the top 10% I think it's a single-digit number of those that are held by the bottom 50% So you know, if inflation and debt growth push asset prices up over time. It is a mathematical inevitability that the rich get richer faster than those in the middle and at the bottom, and that simply means inequality will increase through time. I believe that's structural. Unless you address that in very some very specific way it will continue.   Keith Weinhold  33:43   Inflation affects real estate investors more than it does the average person because we borrow these big pools of money often at 75 to 80% loan to value, and in a sense, although we know it's bad for general society, and we do think about the K-shaped economy. Of course, inflation benefits us because it debases our debt. But even if you're not a real estate investor, even if you just own your own home, you know, Richard, I really think it begs the question: Is a 30-year fixed-rate mortgage one of the best forms of debt ever created for ordinary Americans?   Richard Vague  34:22   The 30-year mortgage, which was created, you know, that started on that path in the 1930 s for the very reasons we all know and love, which is getting Americans to own their own home, and has been, you know, a game changer for the country, and truly one of the great things that's been done, and I hope it's something that we continue to defend and preserve.   Keith Weinhold  34:46   Well, that brings up leverage and the prudent use of leverage. As real estate investors, we have this benefit of getting all these 30-year fixed-rate loans without the threat of a. Margin call being made. We're not borrowing over in the stock market. When you sign your loan documents, it doesn't say that the bank can call your note due at any time, but one could take it too far. And when it comes to debt, I think that really begs the question: Where does intelligent leverage end, and then dangerous leverage begin. What's the border?   Richard Vague  35:25   Well, you guys are experts, and I'm not. But the very simple premise is starts with not overpaying for the property to begin with. It is not an exact science, but generally speaking, I think we can tell when prices are relatively high in a given market and or a given year and relatively low, and you you'd always want to kind of be at least in the middle or somewhat on the low end before you acquire a property. So that's step number one, and then step number two is really just giving yourself a buffer, you know. We saw in the global financial crisis that real estate loans were being made in some cases at 100% of value. Yeah, and frankly, we saw at least some episodes within that folks borrowing over 100% of value, and certainly they were very happy when that happened. But we know there's zero margin for error when you do that, and perhaps even a negative margin for error when you do that. So I would think, you know, you guys know better than me, but you know, I hate to borrow it much more than like 90% of value, maybe 95% if it's a smaller asset and you have a government guarantee, and if you can do it at lower leverage, you know, 70 or 80% of value, that's not a bad thing to consider. I tend to think in the real estate world that you know I've seen many investors, particularly in the commercial space, buy things with lower leverage, 50 or 75% But then, as the asset proves itself, they work with their lender to increase the debt-to-value ratio, you know, and get more money at it over time as it becomes an increasingly proven asset. So they migrate their way from 75% to 95% over time. I think that's a logical path.   Keith Weinhold  37:20   That acronym Ninja Loans, which were popular from about 2000 to 2007, that acronym Ninja means no income, no job or assets, and you might still get a loan of 110% of the value of the property. It was profligately irresponsible. Well, Richard, in a moment, I want to ask if you have a resource that our audience can follow along with you if they would like to do so. But before I do that, do you have any last thing that you would like to talk about? Maybe something that I did not ask you, whether it has to do with the general economy or real estate or interest rates or inflations. Is there something else that we should know?   Richard Vague  38:00   What I would do is just endorse your podcast.   Keith Weinhold  38:04   Thanks.   Richard Vague  38:05   You're approaching this in a very intelligent way, and you're very empirical, and I think your listeners are doing themselves a service by continuing to follow what you do. That's a really reasonable, secure, and yet bold path towards creating wealth, then I think you're to be commended.   Keith Weinhold  38:27   Oh, I appreciate the endorsement. I'm always blown away at our following, but you have some resources worth following as well. Tell us about that.   Richard Vague  38:36   Well, we do. We have a weekly video ourselves that it's about a five-minute video, and you can go to our website, which is tycos.com. So t y c h o s.com, and you know we have data on the site. If you're a real geek, you could go in and you can look at our macroeconomic data. You know, but if you're not, you can sign up for the video, and we come out with what we hope is a short but relevant video once a week talking on some aspect of the economy, and you know we'd love to have folks join that if they're interested.   Keith Weinhold  39:10   Well, it's valuable. I suggest you, the listener, check that out. Richard oftentimes turns conventional economics on his head, just like he did with us today, talking about how if there's higher interest rates, that does not necessarily mean lower inflation. Richard, it's been valuable as always. It's been great having you back on the show.   Richard Vague  39:30   It's an honor to be with you. Keep up the great work.   Keith Weinhold  39:38   In this remote interview, I got a beautiful look over Richard's shoulders there on the screen at Center City, Philadelphia, in the ornate buildings there. I will be in that part of the nation again shortly. Big thanks to Richard Vague. If you're looking him up, it is spelled V-A-G-U-E. We've got a. A lot of terrific content coming up on the show over the next few weeks, including fresh takes on building your wealth that you've never heard before. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 3  40:18   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Keith Weinhold  40:46   The preceding program was brought to you by your home for wealth building. getricheducation.com  

America has a crisis of young men—and Tony Woodlief believes fatherhood, faith, and stronger communities could be part of the answer. On The Karol Markowicz Show, Karol sits down with writer, political scientist, and author Tony Woodlief for a wide-ranging conversation about fatherhood, masculinity, parenting, faith, politics, education, artificial intelligence, and finding purpose in an increasingly disconnected culture. Woodlief explains why he believes too many young men have been left without meaningful friendships, employment, education, or connections to institutions and communities. He discusses the difference between simply being a parent and intentionally being a father, why modern portrayals of masculinity often miss the mark, and what can be done to help men searching for direction and purpose. Karol and Tony also explore his unconventional approach to politics and federalism, including why he believes massive school districts have weakened parents’ control over their children's education and why breaking them into smaller, locally accountable districts could produce better results. Plus, Tony offers his provocative prediction about artificial intelligence and the future of writing and art, explains why AI may expose rather than destroy bad creative work, and shares the simple daily practice he believes can dramatically improve your life: intentional gratitude. It’s a thoughtful conversation about raising children, becoming better men, strengthening families, reclaiming local control, and finding meaning in a rapidly changing America.See omnystudio.com/listener for privacy information.

Patrick Franklin, President and CEO, Urban League of Palm Beach County Coast + Mike Burke, Superintendent, School District of Palm Beach CountySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I have a confession. I've been bragging about our school district to basically anyone who will listen lately (sorry to my friends and acquaintances, you did not ask for this)...and today's guest is exactly why. Dr. Dan Butler is the superintendent of Western Dubuque Community School District, and he's spent 23 years building a career here, starting all the way back at his student teaching days at Bernard Elementary. Teacher. Coach. Assistant principal. Principal. HR facilitator. Now superintendent. Dr. Butler has done basically every job in the building, and you can hear it in the way he talks about this place. We cover a lot of ground in this one: what makes a 555 square mile school district (half the size of Rhode Island, for the record) actually work, why Western Dubuque ranks fourth in student achievement in the state, the real numbers behind school funding, and why Dan believes, without apology, that this district is simply the choice for education in our area.  What You'll Hear: How a 555 square mile district made up of 19 communities functions as one school system Dan's 23 year journey through nearly every role in the district, from student teacher to superintendent What "better every day" actually means as a strategic vision, not just a slogan Why Western Dubuque ranks 4th in student achievement among comparable Iowa districts The NICC and Kirkwood concurrent enrollment partnership that's saved local families roughly half a million dollars in college tuition The real challenges facing public education funding in 2026, explained without the jargon Molly's own story of switching her kids from parochial to public school, and what changed her daughter's mind Connect with Dr. Dan Butler: Website: danpbutler.com District: wdbqschools.org Western Dubuque Schools on Facebook and Instagram Listen and Subscribe: Spotify Apple Podcasts

Send us Fan MailIn this special edition episode, Ernest interviews Dominique Medley, the President of CAPA Phans, on why she's speaking out against the Principal of the High School For Creative & Performing Arts and the Philadelphia School District's lack of action.Ernestly Speaking! is executively produced and hosted by Ernest Owens. Check him out at ernestowens.com and follow him @MrErnestOwens on Twitter & Instagram. 

If you've ever wondered what to actually do during small group time in math, this episode will give you a clear and practical way to support students without lowering expectations.We built a simple Math Coherence Compass to help district and school leaders make aligned decisions around math—without adding another initiative. Get your free copy and training here https://makemathmoments.com/coherence-compass/Not sure what matters most when designing math improvement plans? Take this assessment and get a free customized report: https://makemathmoments.com/grow/ Math coordinators and leaders – Ready to design your math improvement plan with guidance, support and using structure? Learn how to follow our 4 stage process. https://growyourmathprogram.com Looking to supplement your curriculum with problem-based lessons and units? Make Math Moments Problem Based Lessons & Units Yvette's Summer Task List.School and district leaders often feel pressure to create widespread change as quickly as possible. But sustainable math improvement doesn't happen by trying to reach everyone at once—it starts by building the capacity of the people who will eventually lead the work.In this episode, we share the first year of one district's mathematics improvement journey. Rather than launching a system-wide initiative immediately, they focused on developing a small team of instructional leaders who first deepened their own understanding of computational fluency before supporting others. Through a summer leadership boot camp, monthly "book do" sessions, classroom implementation, and facilitator practice, they created a strong foundation for long-term success. Their story illustrates how learning fast, implementing slowly, and investing in leadership capacity can create momentum that lasts well beyond a single school year. In this episode, you'll explore:How one district launched a sustainable mathematics improvement journeyWhy building leadership capacity should come before large-scale implementationThe value of a summer leadership boot camp for establishing vision and focusHow "book do" sessions moved professional learning from discussion to actionWhy facilitator development is essential for scaling improvementHow grade-band leadership structures support distributed leadershipLessons leaders can apply when planning multi-year mathematics improvementIf you're leading mathematics improvement in a school or district, this episode offers a practical example of how to build leadership capacity, create momentum, and lay the foundation for sustainable change—one intentional step at a time.Show Notes PageLove the show? Text us your big takeaway!Get a Customized Math Improvement Plan For Your District.Are you district leader for mathematics? Take the 12 minute assessment and you'll get a free, customized improvement plan to shape and grow the 6 parts of any strong mathematics program.Take the assessmentAre you wondering how to create K-12 math lesson plans that leave students so engaged they don't want to stop exploring your math curriculum when the bell rings? In their podcast, Kyle Pearce and Jon Orr—founders of MakeMathMoments.com—share over 19 years of experience inspiring K-12 math students, teachers, and district leaders with effective math activities, engaging resources, and innovative math leadership strategies. Through a 6-step framework, they guide K-12 classroom teachers and district math coordinators on building a strong, balanced math program that grows student and teacher impact. Each week, gain fresh ideas, feedback, and practical strategies to feel more confident and motivate students to see the beauty in math. Start making math moments today by listening to Episode #139: "Making Math Moments From Day 1 to 180.

In this episode, we sit down with ASD Superintendent Jharrett Bryant to discuss balancing a $90 million structural shortfall, adding back 100+ educator positions, and focusing on academic basics. Learn how the district plans to rebuild community trust with the new "ASD Listens" initiative, expand career technical education, and navigate the future of school funding.

A $1.3 million jail redesign to better handle severe mental health challenges and the future of 111 acres of county farmland in West Salem are two of the big topics discussed with La Crosse County Board Chair Tina Tryggestad. Beyond the big policy votes, Tryggestad shares a personal connection to the old Shelby ball fields on 33rd Street as the county considers a new lease agreement. Plus, a lighthearted look at why steady, "boring" county government is usually a sign that local operations are actually working. Key Topics: $1.3 Million Jail Redesign: Why the county is drawing $1.3M from current budget savings for redesign blueprints—a project expected to cost around $10 million total—to address severe mental health challenges, safely separate inmate populations, and protect jailers. 111-Acre West Salem Farmland Review: Where things stand with 11 concept proposals (RFIs) submitted to potentially build housing on county-owned farmland, and how county leadership is partnering with the Village of West Salem on next steps. Personal Connections at Hillview Ball Fields: Tryggestad reflects on her adult kids playing Shelby youth baseball on 33rd Street as the county considers transferring the field lease to the School District of La Crosse for Central High School athletics. Sunsetting SMRT Bus Funding: The practical factors behind ending La Crosse County's financial support for Scenic Mississippi Regional Transit by December 31 due to low ridership metrics and dropped contributions from neighboring counties. $22.3M ARPA Impact Report: A recap of how federal pandemic relief funds were deployed—including $12M toward the Hillview redesign, transitional housing units, and regional childcare grants. Why "Boring" Government Works: Rick and Tina open with a lighthearted look at why steady, reliable county operations rarely generate chaotic headlines—and why consistency is the ultimate goal. See omnystudio.com/listener for privacy information.

Amanda Blackwood in for John McGinness discussing Sacramento's School District and Measure "M".

The problems miring our school districts. Seth also explores the issue of literacy and its importance in society, pointing out that fewer than half of Americans read a book in a given year. The discussion also touches on the topic of critical thinking and the dangers of Marxist ideology in education, where students are being taught to focus on feelings and emotions rather than facts and knowledge. Producer David Doll discusses Major League Baseball’s latest contest involving food. According to Democratic Michigan Senate candidate Dr. Abdul El-Sayed football parallels slavery and colonialism. We're joined by Johnny Estes, Vice President of Operations of CMI Gold & Silver. See omnystudio.com/listener for privacy information.

Elementary-school teachers in the Montezuma-Cortez Re-1 School District have been left scrambling to fill in some lessons after the school board dropped a controversial curriculum from its K-5 materials.

agold8946@aol.com Listen to us live on mytuner-radio, onlineradiobox, fmradiofree.com and streema.com (the simpleradio app)https://onlineradiobox.com/search?cs=us.pbnnetwork1&q=podcast%20business%20news%20network&c=ushttps://mytuner-radio.com/search/?q=business+news+networkhttps://www.fmradiofree.com/search?q=professional+podcast+networkhttps://streema.com/radios/search/?q=podcast+business+news+network

Send us a message! Really!This week on the Get More Smarter Podcast, what counts as merch, and what counts as a campaign donation, and does it even matter if you're a doomed Republican running for governor of colorado? Yeah, we'd say so. That, and we cover Victor Marx's peculiar pick for his running mate at the top. Then, pop quiz, is The Red Flame of Liberty affixed to a certain statue on Ellis Island, the discarded name of our patriotic hardcore punk band, or the newly-minted Republican nominee for Colorado secretary of state? And if it's the last one, is that the least strange thing about him? Next, the President of the United States is 0 for 20 on trying to get the voter rolls out of states, including Colorado, and School District of the Pod goes to court to protect trans kids; they must listen to the podcast outro. And finally, we check in on some historical polling data and some current concerns over data centers. That's it for this episode! If you loved watching and/or listening to it as much as we loved recording it, you can thank us by subscribing to the pod wherever you listen, following us over on New Old Twitter AKA Bluesky, subscribing to our shiny new channel on YouTube, smashing that subscribe button on our Substack, and sharing this episode with your friends, your enemies, and your 8th favorite Member of Congress from Colorado! THANK YOU so much for listening, and we'll see you next time!

KMOX's Brad Young in for Megan Lynch. He looks at a budget situation facing the Parkway School District, and calls for a property tax increase from voters. He says the increase would likely cost about $29 a month for people who own a $400,000 home. Brad wonders why when deficits come about, the threat is always about teacher cuts, not administrative cuts. (Photo by John Moore/Getty Images)

Lakewood Elementary School Consolidation Controversy For several years now, Lakewood City School District has been looking into consolidating its school buildings, due to declining enrollment, but that effort has recently resulted in a lawsuit settlement that has taken officials back to the drawing board. As public schools around the country face similar considerations, leaders in Lakewood say the district has seen a decrease of roughly 2,400 students since 2003. Despite the decrease, consolidation discussions have become heated, with the Friends of Lakewood Schools group suing the district over the manner in which plans were established for the repurposing of Lincoln Elementary School, with the district's hope to turn it into a child development center. That lawsuit was recently settled, putting that plan on pause for the time being. On Tuesday's episode of the "Sound of Ideas" hosted by Stephanie Haney, Ideastream Public Media's education reporter Conor Morris shares what the lawsuit settlement means for the future of Lincoln Elementary School. Guests: - Conor Morris, Education Reporter, Ideastream Public Media - Zachary Robock, Former Lakewood Elementary Planning Task Force Member Solo Row Across Pacific Ocean Endeavor Access to clean water is a luxury not everyone has outside of the United States, and that disparity is the reason Mentor native Katie Spotz is preparing to row 10,000 miles solo across the Pacific Ocean, beginning in a few short months. It's a journey that will take around eight months to complete, as Katie aims to become the first woman to row solo from South America to Australia and the first American woman to row solo across the whole Pacific Ocean with the goal of bringing clean water to 100,000 people. On Tuesday's edition of the "Sound of Ideas" hosted by Stephanie Haney, Katie shares what inspired her to undertake this feat, and why she's focused on providing clean water access for others. Follow Katie's journey at KatieSpotz.com Guest: - Katie Spotz, Endurance Athlete, Water Access Advocate

Plus, Police in Fort Worth say they're still looking for the weapon that caused a lockdown at O.D. Wyatt High School, improving the state's academic standing was the goal on Monday for Governor Abbott, the desperate search for survivors continues in Columbia where at least 132 people are confirmed dead after a 7.4-magnitude earthquake rocked the country yesterday, and more!

The conversation continues as Alicia Haygood sits down with Scottsdale Unified School District Superintendent Dr. Scott Menzel for Part 2 of their conversation about the future of SUSD. In this episode, Alicia and Dr. Menzel continue their discussion about what comes next following the district's school closure discussions. Dr. Menzel explains what Phase Three could look like, the district's plans to develop growth strategies for each learning community, and the goal of creating thriving schools that attract families back to Scottsdale Unified. They also take a closer look at the proposed $375 million SUSD bond, what bond dollars can and cannot be used for, aging school infrastructure, HVAC systems, technology, safety and security, and why the district says continued investment in its facilities is important. Alicia and Dr. Menzel also discuss how SUSD is approaching artificial intelligence in the classroom, including the opportunities and challenges AI presents for students and teachers. Dr. Menzel explains why he believes students still need productive struggle and how the district is working to find the right balance between technology and learning. The conversation also touches on superintendent compensation, upcoming school board elections, the timeline for future school closure decisions, parent feedback, school choice, enrollment challenges and Dr. Menzel's hopes for the upcoming school year. This episode was recorded on July 29, 2026, following the most recent school board and committee meetings. Some information discussed may have changed since the recording. If you have children in SUSD, are considering moving to Scottsdale, own property in the community, or simply care about the future of Scottsdale, this is an important conversation to hear. Listen to Part 1 and Part 2 of Alicia Haygood's conversation with Dr. Scott Menzel wherever you get your podcasts.   https://www.susd.org/our-district/district-committees/phase-ii-design-advisory-team

Plus, Iran says the Strait of Hormuz will never fully re-open until the U-S "...corrects its behavior", Israel is rejecting President Trump's latest plan for Gaza, tributes are pouring in from former Mavericks following the passing of long time head coach Don Nelson, and more!

The conversation continues as Alicia Haygood sits down with Scottsdale Unified School District Superintendent Dr. Scott Menzel for Part 2 of their conversation about the future of SUSD. In this episode, Alicia and Dr. Menzel continue their discussion about what comes next following the district's school closure discussions. Dr. Menzel explains what Phase Three could look like, the district's plans to develop growth strategies for each learning community, and the goal of creating thriving schools that attract families back to Scottsdale Unified. They also take a closer look at the proposed $375 million SUSD bond, what bond dollars can and cannot be used for, aging school infrastructure, HVAC systems, technology, safety and security, and why the district says continued investment in its facilities is important. Alicia and Dr. Menzel also discuss how SUSD is approaching artificial intelligence in the classroom, including the opportunities and challenges AI presents for students and teachers. Dr. Menzel explains why he believes students still need productive struggle and how the district is working to find the right balance between technology and learning. The conversation also touches on superintendent compensation, upcoming school board elections, the timeline for future school closure decisions, parent feedback, school choice, enrollment challenges and Dr. Menzel's hopes for the upcoming school year. This episode was recorded on July 29, 2026, following the most recent school board and committee meetings. Some information discussed may have changed since the recording. If you have children in SUSD, are considering moving to Scottsdale, own property in the community, or simply care about the future of Scottsdale, this is an important conversation to hear. Listen to Part 1 and Part 2 of Alicia Haygood's conversation with Dr. Scott Menzel wherever you get your podcasts.   https://www.susd.org/our-district/district-committees/phase-ii-design-advisory-team

The podcast is making its second visit to South Carolina. UIAAA Connection #292– Carlos Cave, CMAA, Director of Athletics – Beaufort County School District – is now available. Carlos shares the experiences and relationships thatshaped his career in educational athletics and leadership. After graduating from high school, he attended Georgia Southern University before returning to his alma mater to begin teaching and coaching. He soon accepted his firstathletic director position, launching a career dedicated to serving students and schools. Today, Carlos serves on the NIAAA Board of Directors and chairs LTC 608, which focuses on effective time management. He reflected on theinfluence of South Carolina legends John Carlisle, Jerry Linn, and Darryl Nance. His advice encourages athletic directors to become active in their state associations, pursue LTC courses, earn certification, and engage nationally.https://open.spotify.com/show/2L2ERXOxQcuHl5GE1vjOiHThis podcast is also available on Amazon Music, Apple Podcasts, Breaker, Castbox, Google Podcasts, iHeartRadio, Overcast, Pocket Casts, RadioPublic, Spotify, Stitcher, and YouTube.

Al from Superior outlines what he thinks the School District should do, Bradley Sirvio a convicted murderer, Robert Gilman held in a Russian jail for more than four years, text line comments and jokes, a MN lettuce grower, Craig v Flanagan, Cory from the Range, and the MN Twins player call-up...See omnystudio.com/listener for privacy information.

Plus, districts are often scrambling to get enough teachers in place in time, Democratic Senate candidate James Talarico is facing questions where he was registered to vote, and changes are underway at the Fort Worth Stockyards.

agold8946@aol.com Listen to us live on mytuner-radio, onlineradiobox, fmradiofree.com and streema.com (the simpleradio app)https://onlineradiobox.com/search?cs=us.pbnnetwork1&q=podcast%20business%20news%20network&c=ushttps://mytuner-radio.com/search/?q=business+news+networkhttps://www.fmradiofree.com/search?q=professional+podcast+networkhttps://streema.com/radios/search/?q=podcast+business+news+network

Stupid Extra 8-5-2026 …Is the School District Going Too Far?

We discuss the postponement of the New York state electric mandate, feedback on the annual NASDPTS illegal passing survey, the impact of Daylight Savings Time conversations on students, and accolades for former STN Transportation Director of the Year Teresa Fleming of the School District of Philadelphia at Zum's Mobility Summit. See how mentorship and teamwork star in the noteworthy career of Sandy Dillman, a longtime school transportation director and certified driver trainer who was named the 2026 Peter J. Grandolfo Memorial Award of Excellence winner at STN EXPO West last month. Read more about leadership. Episode sponsors: Transfinder, EverDriven, School Radio.

California's third-largest school district, Fresno Unified, is preparing for another significant decline in student enrollment, with new projections showing the district could lose nearly 1,200 students during the 2026-27 school year. The drop would exceed last year's loss and continue a trend that has been affecting the district for years. A group of Clovis Unified teachers has taken a major step toward forming a teachers union, potentially ending the district's 66-year history without a union representing classroom teachers. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

California's third-largest school district, Fresno Unified, is preparing for another significant decline in student enrollment, with new projections showing the district could lose nearly 1,200 students during the 2026-27 school year. The drop would exceed last year's loss and continue a trend that has been affecting the district for years. A group of Clovis Unified teachers has taken a major step toward forming a teachers union, potentially ending the district's 66-year history without a union representing classroom teachers. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

0000019f-c7a9-d965-afdf-f7af5fd60000https://www.wvik.org/podcast/good-morning-from-wvik-news/2026-08-03/mercer-county-school-district-superintendent-acquitted-of-charges-related-to-handling-student-medical-recordsJoseph LeahyMercer County School District Superintendent acquitted of charges related

agold8946@aol.com Listen to us live on mytuner-radio, onlineradiobox, fmradiofree.com and streema.com (the simpleradio app)https://onlineradiobox.com/search?cs=us.pbnnetwork1&q=podcast%20business%20news%20network&c=ushttps://mytuner-radio.com/search/?q=business+news+networkhttps://www.fmradiofree.com/search?q=professional+podcast+networkhttps://streema.com/radios/search/?q=podcast+business+news+network

Some exciting recognition in Davis School District -- their superintendent has received the award for Utah Superintendent of the Year. Dr. Daniel Linford was recognized by his peers from around the state, who say he uplifts and trains education leaders both in his district and around the state.

In this fascinating episode of We Not Me, Dan and Pia step into a leadership world that many listeners may know little about: the US public school system. Their guests, Dr. Kristen Weikle, Superintendent of McLean County Unit 5 in Illinois, and Denise Pontrelli, former superintendent and executive coach, reveal the extraordinary complexity of leading educational systems that serve thousands of students, families and community members.With responsibility for nearly 13,000 students across 24 schools, Kristen's role extends far beyond education. From finance and transportation to communications, infrastructure, staff engagement and community relations, she operates as the CEO of a complex ecosystem with profound influence on the future of her community.The conversation explores how leaders can navigate complexity, avoid the myth that they must have all the answers, and build high-performing teams that work in sync towards a common purpose.Key Topics DiscussedWhat a US school superintendent actually does and why the role resembles that of a CEOLeading a district serving nearly 13,000 students across urban, suburban and rural communitiesThe importance of stakeholder management across students, families, staff, taxpayers and local businessesWhy effective leadership is about multiplying capability rather than being the expertHow executive coaching helps senior leaders create space for reflection and growthThe role of Squadify in helping leadership teams improve alignment, innovation and decision-makingThe power of purpose when leading through uncertainty and complexityBuilding cultures where teams challenge ideas, reflect regularly and take actionKey Quotes"Ultimately, it's always about improving student outcomes." – Dr. Kristen Weikle"You can get so much more done if you have a team of individuals that work together with you." – Denise Pontrelli"We all need to be working towards achieving the goal and making progress together." – Dr. Kristen Weikle"Squadify helps leaders be intentional about where they put their time and energy." – Denise Pontrelli"You don't have to be the expert in everything all the time." – Dr. Kristen WeikleThree Leadership TakeawaysLeadership Is Not About Having All the Answers: Both guests challenge the common belief that leaders must personally solve every problem. In highly complex environments, success depends on building capable teams and trusting their expertise.Purpose Is the Ultimate Compass: When operating in fast-changing, stakeholder-rich environments, purpose helps leaders cut through complexity. For Kristen and her team, every decision ultimately connects back to improving outcomes for students.Reflection Must Lead to Action: Data, discussion and feedback are only valuable when they drive meaningful change. High-performing teams create deliberate moments to pause, reflect and then commit to specific actions.Resources MentionedI Really Needed This Today – Hoda KotbA collection of short, inspiring stories and reflections offering perspective, encouragement and moments of gratitude.The One Percenters: How to Get Things Done Now – Darrell Mann and Shannon FinneganA practical guide to creating focused, high-performing teams capable of delivering meaningful results and implementation.Multipliers – Liz WisemanReferenced by Dan and Pia in the reflection segment, this leadership classic explores how leaders can amplify the intelligence and capability of those around them rather than unintentionally diminishing it.We Not Me ReflectionOne of the strongest themes from this episode is the danger of the "hero leader" mindset. Faced with immense responsibility, leaders often feel pressure to grip tighter, make more decisions and become the centre of everything. Yet Kristen's success comes from doing the opposite: creating alignment, trusting expertise and enabling leadership throughout the system.As Denise observes, sustainable leadership is not about carrying the burden alone—it's about creating the conditions where teams can flourish together.For any leader facing complexity, uncertainty or rapid change, this episode offers a powerful reminder:The goal is not to become indispensable. The goal is to build a team that can achieve more together than any individual could alone.Guest biosDr. Kristen Kendrick-Weikle has spent her entire career in Illinois public education, moving through the classroom, special education leadership, and the principal's office before becoming a superintendent in 2011. She led Warrensburg Latham CUSD #11 for nine years before taking the helm at McLean County Unit 5 School District in 2020, where she remains today. Along the way she earned a doctorate in Educational Leadership from Western Illinois University, researching how Illinois teachers use differentiated instruction — a topic that still shapes how she thinks about school leadership.Denise Pontrelli built her career in Minnesota schools, rising from teacher leadership roles into district administration and eventually the superintendency at Stillwater Public Schools. After leaving the district seat, she moved into consulting and organizational design, first at SiteLogIQ and now as CEO of her own firm, PartnerED Consultants, where she works on leadership development and executive coaching for educators. She holds graduate degrees from the University of Minnesota in both teacher leadership and K-12 administration.

Katy ISD will allow legal e-bikes, but others are banning completely - check yoursMiller Outdoor Theatre is accpeting applications for their 2027 calendar84% us love to belt out our fave tunes when they come on in the car

School district pauses plan to deploy humanlike AI teacher over manufacturer's ties to sex bots HR 4 full 2567 Thu, 30 Jul 2026 18:02:18 +0000 IIpV911TyufREyulhWBZfk3oTRB8jJog news MIDDAY with JAYME & WIER news School district pauses plan to deploy humanlike AI teacher over manufacturer's ties to sex bots HR 4 From local news & politics, to what's trending, sports & personal stories...MIDDAY with JAYME & WIER will get you through the middle of your day! © 2025 Audacy, Inc. News

Mark & Melynda Austin's School District pays an outside company to monitor everything that ISD students type in their school devices Fatal stabbing in Austin by a homeless man U.S. Secret Service employee will be charged with attempted manslaughter Rally in Downtown Austin demanding criminal charges against APD police officers See omnystudio.com/listener for privacy information.

After a sex scandal involving two teachers and one student, we get answers from the school district.

The Dean's List with Host Dean Bowen – A California family sues the Sunnyvale School District, alleging officials deny notice and opt-out rights for elementary sex and gender lessons. The dispute centers on parental authority, religious freedom, Supreme Court precedent, and claims that LGBT materials are being embedded across required subjects to avoid traditional opt-out protections for families...

The Chute fire burning in a Yuba River drainage area near the community of Dobbins in Yuba County flared up on Monday after being knocked down a week ago.Nevada County Elections has assigned Measure M to the Pleasant Ridge Union School District bond measure for the Nov. 3, 2026 General Election ballot.

Hiring decisions begin with student safety. In this episode, OSBA attorneys Dustin Koslen and Jennifer Hardin explain Ohio's employee background check requirements, absolute bar offenses, rehabilitation provisions and what school districts should consider before hiring applicants with past criminal convictions.They also preview updated OSBA legal fact sheets and the upcoming Attendance, Tuition and Custody Law Workshop.For more resources, training and advocacy updates from the Ohio School Boards Association, visit ohioschoolboards.org.

The movement continues among state lawmakers to ban cell phones in schools. one central Pa. district says they have seen benefits from restrictive phone policies.Pennsylvania officials say the Trump administration could be holding up millions of dollars of Homeland Security grants until states comply with election demands. Lawmakers are calling for tighter commercial driver's license laws in Pennsylvania. Their calls come in the wake of the July 1st crash that killed a state police trooper in Schuylkill County.A data center being built by Amazon in the greater Philadelphia area is sparking public outcry.The Public Utility Commission will hold public hearings on allegations related to operational and service-related issues within the Veolia water system. The Trump administration replaced an exhibit on slavery at the site of President George Washington's home in Philadelphia with a version that historians say whitewashes the nation's history. The Schuylkill River Passenger Rail Authority is partnering with Amtrak to provide passenger rail service from Reading to Philadelphia.The Harrisburg Fringe Festival began Thursday and stretches through the weekend. The fourth annual festival features more than 200 independent artists at nine venues across the city.And now it's time for our weekly segment called The Bright Spot. Every Friday, I'll share a positive news story that may have gotten lost amid this week's news cycle.  Today's bright spot is this:Two orphaned bear cubs are making central PA their new home.ZooAmerica North American Wildlife Park in Hershey took the pair of 5-month-old American black bear cubs in, after they were rescued by the Montana Department of Fish, Wildlife and Parks.It's been one year since public media's federal funding was revoked. Thanks to our community, we're still here for you and looking toward the future. Join the thousands of members who are building a stronger WITF. Go to  www.witf.org/givenow. And thank you. 

Today from SDPB - the Sioux Falls School District is making changes as it finalizes its FY2027 budget, the South Dakota Republican Party sees a record high as the gubernatorial runoff approaches and more.

See omnystudio.com/listener for privacy information.

This Day in Legal History: The Housing Act of 1949On July 15, 1949, President Harry Truman signed the Housing Act of 1949, a centerpiece of his “Fair Deal” and one of the most ambitious housing laws in American history. Its stated goal was breathtaking in scope: “a decent home and a suitable living environment for every American family.” To get there, the Act poured federal money into public housing construction, expanded federal mortgage insurance, and created the urban renewal program to clear and redevelop so-called “slum” neighborhoods.The Act's legacy is genuinely double-edged, and it's worth telling honestly. On one hand, it expanded homeownership for millions and built hundreds of thousands of units of public housing. On the other, its implementation became one of the great engines of racial segregation in the twentieth century. Urban renewal too often meant bulldozing established Black neighborhoods—critics bitterly renamed it “Negro removal”—and the public housing built in their place was frequently segregated by design and concentrated in already-poor areas. Meanwhile the federal mortgage machinery it fed continued the practice of redlining, steering the benefits of homeownership toward white families and away from Black ones.That mixed legacy is why the Housing Act belongs in a legal-history conversation about civil rights. The same federal government that would, within a few years, order schools desegregated in Brown v. Board of Education was, through its housing policy, actively entrenching residential segregation—and residential segregation is what makes school segregation so durable, because in America where you live largely determines where you go to school. The story of July 15, 1949 is a reminder that the law's effects depend enormously on how it's carried out: a statute promising a decent home for every family became, in practice, a tool that shaped the segregated geography we're still litigating over today.Todd Blanche faced a high-stakes Senate Judiciary Committee hearing today in his bid to become attorney general on a permanent basis. Blanche has been acting attorney general since President Trump fired Pam Bondi in April, and before joining the Justice Department he served as Trump's personal criminal defense lawyer—a background that sits at the center of the concerns about him. The confirmation process exists because the Constitution's Appointments Clause requires the Senate to advise and consent on the nation's top law-enforcement officer, and the attorney general is supposed to serve the United States, not the president personally. That tension drove the questioning: senators pressed Blanche on the Department's $1.8 billion “anti-weaponization” fund, its handling of the Jeffrey Epstein files, and its prosecutions of figures perceived as Trump's political enemies, including former FBI Director James Comey and New York Attorney General Letitia James. The significance is about the independence of the Justice Department. An attorney general who was recently the president's private defense attorney raises the question of whether federal prosecutorial power will be wielded neutrally or as an instrument of the president's interests. With a pair of undecided Republicans—Senators Cornyn and Tillis—holding real leverage, the hearing was Blanche's chance to reassure a narrowly divided Senate, and most observers still expect him to be confirmed by a slim margin.Blanche to face Senate grilling in bid to be Trump's attorney general | ReutersTwo U.S.-based advocacy groups have sued the Trump administration, arguing that its sanctions targeting the International Criminal Court violate the First Amendment. The groups—Democracy for the Arab World Now and the Taxpayer Alliance Against Genocide—are challenging the February 2025 executive order under which the administration has sanctioned ICC judges, prosecutors, and Palestinian human rights organizations, and which officials pledged this week to expand. The free-speech theory is the key. The plaintiffs say the sanctions regime is so broad that they have stopped doing constitutionally protected things—filing submissions with the ICC and coordinating advocacy with sanctioned people, like the U.N. special rapporteur for Palestine—out of fear that doing so could expose them to fines or even prison. In First Amendment law, that's a classic “chilling effect”: when a law is vague or sweeping enough that people self-censor protected speech to avoid the risk of penalty, the law itself can be unconstitutional even before anyone is actually punished. There's notable precedent here: a similar Trump order in 2020 was blocked by a judge who found it likely violated the First Amendment, before the Biden administration rescinded it in 2021. The significance is a direct clash between the executive's broad power over foreign affairs and sanctions on one side, and Americans' right to speak, associate, and petition on the other. Three ICC judges have separately sued over the same sanctions, so this order is now being attacked on multiple fronts.Trump's ICC order violates free speech, advocacy groups say in lawsuit | ReutersA federal appeals court has ended more than sixty years of federal oversight of the Concordia Parish School Board in Louisiana, lifting one of the desegregation orders that dates back to the Civil Rights era. The Fifth Circuit's decision hands a win to the Trump administration, which has pushed to wind down these long-running cases—a striking reversal for a Justice Department that spent decades on the other side, fighting to enforce them. Here's the legal framework. After Brown v. Board of Education, hundreds of Southern school districts were placed under federal court supervision and ordered to dismantle segregation. A district can be released from that oversight when a court finds it has achieved “unitary status”—meaning it has eliminated the vestiges of segregation, to the extent practicable, in areas like student assignment, faculty hiring, facilities, and discipline. The dispute in cases like this one is whether that's really been accomplished. Louisiana officials argue the orders are relics of a bygone era and no longer needed. Civil rights advocates and some parents counter that the vestiges persist—in racial disparities in student discipline, access to advanced academic programs, and teacher hiring—and that lifting oversight removes a crucial tool for addressing them. The significance is part of a broader push to close out Civil Rights-era decrees, and it raises a hard question: whether these districts have genuinely outgrown the need for supervision, or whether ending it prematurely risks letting old patterns quietly reassert themselves.Appeals court ends US oversight of Louisiana school system related to desegregation mandate | Reuters 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

First, we explore Saint Joseph's University's inaugural Future Health Leaders Camp in Lancaster, where high school students from the School District of Lancaster gained hands-on exposure to careers in healthcare and public health through engaging, real-world learning experiences.We also sit down with a longtime public servant and community leader—a retired CEO of the Harrisburg Regional Chamber & CREDC, former Pennsylvania Deputy Secretary of Community & Economic Development, and former Clarion County Commissioner—who now volunteers with Braver Angels. He shares why fostering respectful dialogue, finding common ground across political divides, and embracing compromise are essential to strengthening our democracy and solving today's toughest public policy challenges.

0000019f-60cb-d1c7-afdf-67ef8c610000https://www.wvik.org/podcast/good-morning-from-wvik-news/2026-07-14/bettendorf-community-school-district-board-approves-john-elkin-as-interim-superintendentJoseph LeahyBettendorf Community School District board approves John Elkin as interim

Senator Lindsey Graham is dead, Trump's memories of Graham, Washington DC has an eye on the Peoria Unified School District, Mitch McConnell gives proof of life. Plus, socialism is on the move in America.

Erika Lari from OSD4All is back on the podcast, this time walking us through the dynamics around the current budget recently approved by the Olympia School District.

A new report by the New Mexico Department of Justice says Native students are disciplined more harshly and miss more school days from suspensions than other students at Gallup-McKinley County Schools. The school district has a majority Navajo student population and was the focus of a 2023 news investigation that prompted calls for further investigations. In South Dakota, education leaders are looking into the state’s licensing exams after research shows a disproportionately low number of Native teacher candidates pass the costly exam. Native teachers are in short supply in the state and Native education advocates say that streamlining licensing requirements could be barrier. GUESTS Dr. Wendy Greyeyes (Diné), chair of the Navajo Nation Human Rights Commission and assistant professor of Native American Studies at the University of New Mexico Kevin Mitchell (Diné), Gallup-McKinley County Schools Board of Education president Priscilla Benally (Diné), Gallup-McKinley County Schools Board of Education vice president Dr. Sherry Johnson (Sisseton Wahpeton Oyate), education director for the Sisseton Wahpeton Oyate Break 1 Music: Dat One (song) The Delbert Anderson Trio (artist) MANITOU (album) Break 2 Music: Medicine Wheel (song) Logan Staats (artist) Rainwater (album)

Healthcare costs are consuming a growing share of school district budgets—and the consequences extend far beyond employee benefits.In this episode of School Business Insider, host John Brucato is joined by Elleka Yost and Jim Rowan of ASBO International to discuss the findings of a new national report released jointly by ASBO International and AASA: Rising Premiums, Falling Opportunities: The Budgetary Impact of Healthcare Costs on School Districts.Drawing on responses from more than 750 school leaders across 42 states, the report reveals how rising healthcare costs are forcing districts to make difficult choices involving staffing, instructional materials, technology investments, capital projects, and student programs.The conversation explores the drivers behind these increases, the financial realities facing districts, and the advocacy efforts needed to address one of the most significant budget challenges in public education today.Contact School Business Insider:Check us out on social media:LinkedInTwitter (X)Website: https://asbointl.org/SBIEmail: podcast@asbointl.orgMake sure to like, subscribe and share for more great insider episodes!Disclaimer:The views, thoughts, and opinions expressed are the speaker's own and do not represent the views, thoughts, and opinions of the Association of School Business Officials International. The material and information presented here is for general information purposes only. The "ASBO International" name and all forms and abbreviations are the property of its owner and its use does not imply endorsement of or opposition to any specific organization, product, or service. The presence of any advertising does not endorse, or imply endorsement of, any products or services by ASBO International.ASBO International is a 501(c)3 nonprofit, nonpartisan organization and does not participate or intervene in any political campaign on behalf of, or in opposition to, any candidate for elective public office. The sharing of news or information concerning public policy issues or political campaigns and candidates are not, and should not be construed as, endorsements by ASBO International....

agold8946@aol.com Listen to us live on mytuner-radio, onlineradiobox, fmradiofree.com and streema.com (the simpleradio app)https://onlineradiobox.com/search?cs=us.pbnnetwork1&q=podcast%20business%20news%20network&c=ushttps://mytuner-radio.com/search/?q=business+news+networkhttps://www.fmradiofree.com/search?q=professional+podcast+networkhttps://streema.com/radios/search/?q=podcast+business+news+network

Today, Colorado Sun education reporter Erica Breunlin has updates on the new state law instructing all Colorado districts and charter schools to create a policy that spells out when and how students can use cellphones during the school day. https://coloradosun.com/2026/06/18/colorado-school-districts-student-cellphone-policy-state-law/See omnystudio.com/listener for privacy information.