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A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: The Descent of CNism into the World of Candace Owens Subtitle: The Dividing Line 2025 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Podcast Date: 12/30/2025 Length: 62 min.

A special look at President Biden's first State of the Union Address. Plus, America's two demon hecklers, Marjorie Taylor Greene and Lauren Boebert try to sabotage Biden's speech but wind up repulsing the nation. Dems plan to target the duo in the run up to the midterms and highlight the GOPs growing disarray. Latter Bakari Sellers joins Mea Culpa to grade the Biden Administration. 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

What if the only way to make your wife happy was to lie to her? Would you still do it? One of our listeners has been lying to his wife for months and she's never been happier!See omnystudio.com/listener for privacy information.

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Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

This final episode of 2025 reflects on a year of transitions and healing, focusing on themes of intergenerational trauma, collective grief, and social justice, especially in the context of the ongoing genocide in Gaza. Through diverse voices including Dr. Gabor Maté, Naomi Klein, Rabbi Lynn Gottlieb, Ashira Darwish, Omid Safi, Kazu Haga, and others, the episode delves into personal and collective fields of healing. It emphasizes the importance of remembering, ritualizing healing, community action, indigenous knowledge, and a para-politics of grief and relationship. The episode also highlights the significance of interconnectedness, resilience, and the continuous effort towards justice and transformation. Topics and Speakers 00:00 Introduction and Year in Review 02:03 Minds Under Siege: Dr. Gabor Mate and Naomi Klein 17:38 We Will Not Look Away: Vigil for Gaza with Rabbi Lynn Gottlieb, Ashira Darwish and Omid Safi 37:33 Fierce Vulnerability: Kazu Haga 46:16 Belonging Without Othering: john a. powell 50:51 The Limits of Solution-Driven Thinking: Bayo Akomolafe 55:47 Complexity and Phase Transitions: Jeremy Lent 01:02:03 Intergenerational Trauma and Healing: Jungwon Kim and Linda Thai 01:18:40 Generational Trauma and Community Healing: Dr. Thema Bryant 01:23:16 Decolonizing Therapy and Ancestral Healing: Dr. Jennifer Mullan 01:26:30 Indigenous Perspectives on Colonization and Wellbeing: Dr. Diana Kopua, Tina Ngata and Mark Kopua 01:40:30 Plant Medicine and Connection to Nature: Donna Kerridge 01:53:07 Grief, Ritual, and Communal Healing: Orland Bishop and Francis Weller 02:02:39 Presence and Receptive Awareness: John J. Prendergast 02:09:26 Conclusion and Membership Invitation Links Naomi Klein Dr. Gabor Maté Rabbi Lynn Gottlieb Omid Safi Kazu Haga john a. Powell Bayo Akomolafe Jeremy Lent Jungwon Kim Linda Thai Dr. Thema Bryant Dr. Jennifer Mullan Te Kurahuna (Mark and Dr. Diana Kopua) Tina Ngata Francis Weller Orland Bishop John Prendergast Where Olive Trees Weep The Eternal Song (Film series and course) Support the mission of SAND and the production of this podcast by becoming a SAND Member

FERGUSON'S ANALYSIS, THE EMPEROR SYSTEM, AND AUGUSTAN AUTHORITY Colleagues Gaius and Germanicus, Friends of History Debating Society, Londinium, 91 AD. The speakers critique historian Niall Ferguson's recent characterization of Donald Trump as a composite of Andrew Jackson, William McKinley, P.T. Barnum, and Richard Nixon. Germanicus dismisses Ferguson's analysis as a cynical attempt to force a conventional republican narrative onto what is actually a systemic shift toward an "emperor system." He argues that the Americanpublic has embraced this imperial transition due to the "ruin" and dysfunction of the traditional republic caused by a corrupt elite. While Ferguson attempts to minimize Trump's significance by linking him to past politicians like the "salesman" Barnum or the "aristocratic" Jackson, Germanicus asserts that the "gold leaf" aesthetic of the Trump era correctly signals a return to Augustan authority. The conversation concludes by contrasting the necessary "dignitas" of future American emperors with the degradation of the office under Bill Clinton, whom Germanicus describes as ethically "worse than Tiberius" due to his association with the Epstein scandal. They finish by reflecting on the resilience of the Byzantine emperors, such as Basil II, who successfully maintained imperial continuity for centuries through strong leadership. NUMBER 3

Keith shares a mindset-shifting quote from John D. Rockefeller that challenges the idea of trading time for money.  He revisits some of the year's most powerful real estate investing lessons, and breaks down the big forces shaping today's housing market—affordability, supply & demand, demographics, and interest rates.  All of this sets the stage for his data-driven national home price outlook for next year—without the usual crash-and-doom hype. Episode Page: GetRichEducation.com/586 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   Welcome to GRE. I'm your host. Keith Weinhold, learn from a quote attributed to the world's first billionaire, it will change how you see wealth building. I'll explain why national home prices have never crashed. Then it's gre, 2026, home price appreciation forecast. You'll learn the future the exact percent that home prices will appreciate or depreciate next year. Today on get rich education   Speaker 1  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Lake Huron, Michigan to Lake Tahoe, California and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. You know something I love, quotes that shift your entire mindset, paradigm, and once your mind is shifted, actions follow. Actions develop into patterns. Those patterns become habits, and habits become the new, transformed you few quotes hit harder than the one from resource tycoon John D Rockefeller. He lived from 1839 to 1937 in fact, Rockefeller is widely regarded as the world's first billionaire. His quote, you might have heard it before. It is this, he who works all day has no time to make money. That sounds paradoxical, even provocative. It's sort of like it's inviting you to come in and want to learn more about it. And this is because most people's concept of income generating is to work 40 hours a week for a salary or an hourly wage. But what does that quote really mean? He who works all day has no time to make money, and be sure to capture the all day part of that quote that ties right back into the show that I did with you two weeks ago about the K shaped economy breakdown, where you learned about how capital compounds labor doesn't most people sell their time for dollars, but trading time for money makes you too busy to actually build Wealth. Working and building wealth. Those things are two separate distinct activities in how you're investing your time and energy. Now, most people start out with a wage or a salary job. I surely worked by pushing brooms and cubicle dwelling before investing in my first rental property. But if you're working all day in a job, physically or mentally well, then you're consumed by tasks that only pay you. Once you're occupied, you can often get exhausted and you're only concerned with short term output. You're focused on the next deadline, not the next decade, when all your hours are spent on labor, you have no bandwidth to do what you need to do, which is, create vision, acquire assets, build a portfolio, develop systems, learn tax strategy, evaluate investment deals, network with like minded investors, or refine your strategy with a GRE investment coach. Be cognizant that labor only pays today. Wealth building pays forever. Even if your work a day job, salary doubled, you would have to ask, how would that even build wealth? You could retire earlier, but you would have to keep working the hours, and let's remember that wealth equals freedom. You can't architect a wealth plan from the assembly line. Now, that's something that Rockefeller would have agreed with. Wealth requires less. Leverage and labor has none. So working all day means no leverage. You are the engine instead making money, that means using leverage, and instead of you being the engine, well, the engine is something else, like assets, systems, technology, other people's time, other people's money, and borrowing to inflation profit. Rockefeller believed and proved that leverage beats labor 100 to one. He's not discouraging work. In fact, it's just the wrong type of work, because he was one of the hardest working people alive. And really the bottom line here, with this quote, he who works all day has no time to make money, is that Rockefeller meant that if you spend your life doing tasks, you'll never rise high enough to own things that pay you for life. Earning a living is a different activity than building wealth, and once your mindset is shifted, actions follow, yep, actions develop into patterns, and those patterns become the new you. well as the last episode of the year on the show here, 52 weeks worth, I sure hope that I've helped you think, learn and grow your wealth, as have our guest contributors here early in the year, the father of Reaganomics was here, a man that frequently advised a president inside the White House. He told us how much he dislikes tariffs. Tariffs block free trade, and trade improves our lives. Major apartment investor, Ken McElroy, was here this year, and he predicted that the American home ownership rate will fall below 60% that would be major it's currently at 65 if the home ownership rate falls to 60% that would unleash millions of new renters into the market, and it has not been that low in decades, if ever you got a lot of mortgage insights with chailey Ridge, including learning how you can qualify for income property loans without a w2 job, without a pay stub or without tax returns by instead getting a DSCR loan. You'll recall this year that I discussed 50 year mortgages, and I did that before it even hit the news cycle, telling you that it could be coming and that it could be proposed. I explained why I like 50 year mortgages more than 30 year loans, but be aware it is not imminent that they're coming. Also this year, economist Richard Duncan and commentator Doug Casey discussed the Fed. Richard told us how the President is trying to totally restructure who serves on the Fed, trying to get low interest rate pushers in there. And then just last week, Doug and I discussed how fed decisions just keep hollowing out the middle class. A and E television star Todd drillette told us how to negotiate. I had four good discussions with our own investment coach, nuresh this year, more than usual, a pastor and I discussed a rare topic, what the Bible says about money. You learned how to use AI in your real estate investing and when not to. We had a few episodes about that. But above all the shows this year, they were about you, probably more than any other year that we've had here. I did more listener question episodes where I answered your questions as you wrote in, and I also had more listeners come right onto the show and tell me how this show has personally built their wealth. And of course, this year, I got to meet more of you in person when I served as a faculty member on the terrific real estate guys Investor Summit to see and I got to meet you personally for more than just a handshake. The event was set up so that chances are you had dinner with me as well. So rather than this show being a one way chat from me to you this year was more of a dialog between you and I and more two way communication. A lot of new topics are coming for next year, both me teaching and some great guests. If there's something on the show that you'd like to hear more of or less of, let us know. Write into us or use your voice to tell us either way you can do that. At get rich education.com/contact, let us know what you want to hear more of or less of. Do you like shorter term tactics like when and how to increase the rent? Or do you like mid range tactics like how to constantly do cash out refinances and get a tax free windfall from your properties every year. Or do you like more of the long term strategies like specifically how you profit from inflation? Let us know what you like again, at get rich education.com/contact, now, even if you're listening 10 years. Years from now, which I know you very well. May, I'm going to break down next year's home price appreciation forecast, but I'll do it in a way where you'll learn how to analyze a market for all time coming up. It's gre 2026, national home price appreciation forecast. Learn the future to the exact percent. First listen to this from Freedom family investments and Ridge lending group, because I'm a client of both myself and they can help you. I'm your host. Keith Weinhold   Keith Weinhold  10:29   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,   Speaker 2  11:40   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 Caeli Ridge personally. While it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Robert Kiyosaki  12:14   this is our Rich Dad, Poor Dad. Author Robert Kiyosaki. Listen to get rich education with Keith Weinhold. And there is, I respect Kate. He's a very strong, smart, bright young man.   Keith Weinhold  12:35   Welcome back to get rich education. It's episode 586 the last show of the year. I'm your host. Keith Weinhold, I am proud to present to you in this segment of the show gre 2026, national home price appreciation forecast, where I use my insight and experience so that you'll learn the exact percent that national home prices will either appreciate or depreciate next year. It's the fifth consecutive year that we're doing this. I nailed the first three spot on and then this year happened. I'll get to reviewing my track record, total accountability. First understand something, real estate values have never crashed in your entire lifetime, even if you're 90 years old, to grab eyeballs, slack jawed, tick tock. Call them crash talk. Economists keep making awful predictions about a housing price crash, and none of them have been worse than one that published last month in Newsweek, which outlines a as it's called, correction worse than 2008 and says national home prices will fall 50% five zero, starting as soon as next year. That's absurd, and I can't believe that a respectable publication would platform a view from an analyst like that, and I'm not going to call out that Doomsayer analyst's name. That's not my style. I'm sure you can find it that crash is about as likely as one social media post changing your political affiliation later today. Look, doomsayers don't care about you. They make dire predictions because they care about them. It elevates their clicks, their followers and their name recognition, and they never hang around to follow up on that prediction, but it harms you, because you miss out on the equity gains, and that's the real damage. In fact, this particular analyst also called for this year to have the second largest home price decline since World War Two. Well, national home prices have only fallen twice in that time period. In fact, going further back. Back to the 1930s Great Depression. They've only fallen twice. Yes, that means home prices have risen every single year since the 1930s except for two periods, a small decline of less than 1% around 1990 and then, of course, the severe downturn from the housing bubble and great recession from 2007 to 2011 or 2012 that's where prices dropped in total, 25 to 26% from peak to trough. Now why do I say that that period around 2008 was not a housing price crash. Well, because it wasn't. Instead, it was a slow bleed. The definition of financial crash is a sudden, sharp and widespread drop in prices. That's the definition. Well that can happen in some other asset classes like stocks or Bitcoin or perhaps even precious metals, but not real estate. It is neither sudden nor sharp. The worst year, 2008 saw home prices drop 12% in that one year and some of the other years bracketing it, home prices fell three to 4% in each of those years. So then during this time period of price attrition, during the global financial crisis, each month, real estate values fell just a few tenths of 1% maybe half of 1% or even one full percent, not a crash, a slow bleed. This means that it took about five years for values to fall, a total of near 25% I mean, that makes it really clear that it's not a crash. And again, this period was about 2007 to 2012 don't get me wrong, it was bad. I was a real estate investor both before and during 2008 but to call it a crash is hyperbolic, and that is because words mean things. I think a lot of media consumers get so conditioned to mass media sensationalism that they've forgotten what a crash even means. At some point, it begins to bend our very lexicon back around 2007 I remember I frequently checked a website called implode meter. Yeah, that's the name of it. It tracks, failing banks. I looked the other day and implodemeter.com is still in existence, even though it's not nearly as spicy as it used to be during the GFC, because lending has been pretty stable for a long time, and loans are well and carefully underwritten. So home prices are unusually stable over time, because, in a sense, housing is not a normal market. It is slow, regulated, credit driven, and it's emotionally sticky, even though rental property is less emotional. Well, the values of one to four unit property are tied to primary residence values, and that's where the emotion exists. So if you put all those together, you get prices that creep upward most years and rarely fall at all. Nationally. The real estate market moves too gradually to be crash susceptible. It is the place for real wealth building values also are not going to double annually if you want to scroll for dopamine hits from the couch. Well, you can do that with a prediction market like call she or in crypto with altcoins, while your real estate keeps leveraging dollars in a stable way in the background. That's how you can think about it. All right, so we've established since the Great Depression, home values have fallen twice and once substantially. Well, right now, home prices are up about 2% year over year. Most places have appreciated, especially the more affordable markets. Not only has home price growth been slow, though, rent growth has been slow as well. Single Family rents are up 1% per totality. Apartment rents are down one to 2% per Zumper. But back to our focus today, forecasting national home prices. Everything we're discussing is nominal price change, meaning not inflation adjusted, and it's single family homes up to fourplexes. Well, as we use context to build up to the big reveal today, where I'll tell you the exact percent that home prices will rise or fall next year. Could 2008 happen again any time soon? Let's isolate that out. It's important to look at history rather than. Having some uninformed hunch in both periods with price attrition around 1990 and 2008 these two falls have some attributes in common. So let's look at that. What led to these rare falls in home prices, irresponsible lending, forced selling, a vacancy issue and overbuilding. All four of those factors were in place during those two periods now leading up to 1990 the irresponsible lending was on the commercial side. That was the savings and loan crisis, but it did trickle into the residential market, and then in 2008 it was on the residential side. But of all four of those factors, none of them are in place today. Zero borrowers are strongly underwritten because they've got those full documentation loans, and virtually no one is forced to sell in a fire sale. In fact, homeowners still have these record equity positions of about 300k fewer than 3% of homeowners have a negative equity position, and there is no vacancy issue. Because, in fact, we've been under building. We'll look at that. So for next year, no substantial price of drawdown is coming. None's expected. We can isolate that out. Since I was investing directly in real estate through 2008 I know what happened is that when people walked away from properties, they did so because the economy got rough, their variable rate mortgages rose, they couldn't make their payments, or they just had no motivation to make their payments because they were underwater and had zero protective equity. In a lot of cases, it's almost impossible for that to happen today, homeowners can make their payments, and they're motivated to do so because they have that erstwhile equity to protect, like I said last week, through the Census Bureau data and realtor.com we know a couple things. Four in 10 homeowners have no mortgage at all. They own their property free and clear. Among the group with mortgages, 70% of borrowers still have a mortgage rate locked in at under 5% and blending those together for you means that then 82% of borrowers either have no mortgage or they've got a rate under 5% this translates to really affordable payments, along with The protective equity, even if inflation heats up again, it still cannot touch a borrower's mortgage payment amount because it is fixed. As we're leading up to the big reveal of next year's number, we're about to look at affordability, supply, demand and the effect of mortgage rates on prices. Of course, that word affordability, that has been the most central word to home buying for a couple years now, affordability will improve in three main ways. If either home prices fall, mortgage rates fall, or wages rise, it takes at least one of those three things, the good news is that this year, wages have been rising faster than both stated inflation and home prices. Wages have been rising close to 4% that looks to continue at least into the early part of next year. Well that improved affordability allows home prices to move up, and it gives room for rents to move up as well. Now when it comes to mortgage rates, if you're new to listening to me, it will be groundbreaking for you to realize that today, mortgage rates are low, and increases to mortgage rates usually lead to increases in home prices, not decreases. If you're new here, both of those facts might leave you saying what I thought it was the opposite. How can that be? I won't spend much time on this because longtime listeners already know these two things, but they do go into the forecast the long term 30 year fixed rate mortgage averages 7.7% per Freddie Mac thirst, that set goes back to 1971 and rates are lower than that now, and mortgage rates have risen 1% or more seven different times since 1994 and home prices increased all Seven times right alongside those rising mortgage rates. In fact, when rates more than doubled in 2022 what happened? Home prices soared to their highest appreciation year in a long time. It reinforced this so, yes, way higher rates equaled way. Higher prices. It's not that one directly causes the other. This is correlation versus causation. It's because rate increases confirm that the economy is doing well. I have discussed that extensively in previous episodes, so mortgage rates actually don't have that much to do with home prices, and that's why it is hardly going into the forecast for next year. I'll tell you what trying to forecast mortgage rates to then use that to predict home prices, that is a fantastic way to waste your time. Now, 1x factor that could make that different for next year is that this President, he imposes his will to make rates low no matter what. So even if the economy is good, which typically leads to higher rates, wholesale push to make rates low, and that's an artificial phenomenon. Wouldn't that make home prices boom if we had a strong economy and low rates? The fact that affordability is still historically low today, though, we appear to be off the bottom. Affordability is still historically low today, that has less to do with mortgage rates than most people think, since, again, rates are low when they're in the low sixes, like they currently are. Instead, affordability is soured, because over the long term, decades, wages haven't kept up with true inflation. That's what's really going on with affordability and what everybody misses, and because affordability is still strained, home prices cannot rise a lot, say 10 or 12% next year. That can't happen on a national basis next year, now, a bill is advancing through Congress now to make housing more affordable. It's got bipartisan support relaxing zoning requirements in such a bill that could help build more homes, but if the government tries to help by making access to loans easier, that is going to lead to even higher prices and really will not help with affordability beyond the short term. In fact, just this month, the Fed has resumed QE quantitative easing. And that effectively means that it is ramping up the number of dollars being printed. And these are just more dollars in existence coming in to chase real estate and every other assets values higher we look at the employment picture. Although unemployment has been ticking up lately, it is still low at under 5% what about housing supply versus demand? And future supply versus demand? Well, this is basic econ and it will totally affect future prices. Actually visited the home of the father of economics, Adam Smith in Scotland this year, the man that nearly invented the supply demand concept starting with supply. I think anyone in real estate knows that generally, over six months of housing supply is too much. Under six months is too little. Six months is sort of that balanced point. What does that really mean? Well, months of supply is how long it would take to sell all the homes currently for sale if no new listings came on the market. All right, that's all that means. Well, currently, that level is 4.2 months that is low, and that puts some upward pressure on prices as well. Another way to think about it is with the active listing count of single family homes and condos. All this means is the number of homes currently for sale and available to buy right now. That's what active listing count means when you see that statistic out there? Well, one and a half to 2 million is the normal level of units needed to adequately house our growing population, for single family homes and condos. Well, that figure bottomed out in 2022 and it's only hovered around one or 1.1 million for a few months now, we are under supplied, and it takes a long time to build our way out of it. Now, apartment buildings are a different story. They are oversupplied, but again, today, we're here focused on the future price direction of one to four unit properties. So that's supply, not as tight as it was, but still on the tight side, and then demand. Where is demand coming from? It comes from us. There's more of us. As our population keeps growing, there is a lot of housing demand coming. Not only is there pent up demand from those trying to afford a home as soon as they can, but more broadly. Demographically, I will point back to that period where there was a surge of us births from 1990 to 2010 there were over 4 million births every single one of those years, births peaked in 2007 if you add 40 years to that, because 40 years is now the average age of the first time homebuyer. That's still a mind blowing figure to me, 40 years the average age of the first time homebuyer. You add that to 2007 that peak birth rate year, and this demand won't even peak until about 2047   Speaker 2  30:36   and this doesn't even include additions from immigration, demand, demand, demand, propping up prices for decades, but for next year, improved affordability, which is expected that boosts the demand for those that have the capacity to pay. Well, considering everything we've covered, I'm about to reveal the number for next year. But first, I mean, gosh, don't you wish everyone actually followed up on their past forecasts, like I'm about to I don't think I've ever seen a price crash predictor follow up, because they're always wrong. Well, what is the track record of get rich, education, home, price appreciation forecasts. It's the fifth straight year I'm doing this, and I always release the forecast in the final days of the year in anticipation of the coming year, just like you and I are doing together now. For 2022 I said that prices would rise nine to 10% the year ended, and they came in at 10% 2023 a lot of people said home prices would fall because they had just seen a terrific run up. I said a price fall would not happen, largely due to that jaw droppingly low supply that we had then. I said zero, there wouldn't be any change. They came in at exactly zero. There was no price change in 2023 for 2024 I forecast 4% they came in at exactly 4% this is all documented. You can go back and listen to those episodes. They're all near year end. So yes, three straight years, I nailed it to the exact percent. How about this year? Just before the year began? Do you remember what my forecast figure was from listening here about a year ago, it was 5% home price appreciation. The year is not over yet, and real estate statistics move pretty slowly. Figures lag, but we pretty much know where it's going to end up. And as we look at this same stat set that I consistently use, which is the NARS national median existing single family home price, it is 2.2% as of late in the year, and it's almost certainly going to end up at 2% appreciation. So I would call that a miss, probably not a terrible call, but far enough apart to call that a miss, 5% forecast versus 2% actual for this year. That's the track record. So before I reveal the number for next year, in the last four I've nailed three of them spot on, and why was appreciation less than I expected for this year? Well, a few reasons. One of them is that inflationary pressure from tariffs was postponed. That Tariff Schedule was changed more times than anyone could have possibly forecast, and affordability stayed stubbornly low too. And here we go for 2026 how much home price appreciation or depreciation do I expect? Well, I haven't said this in any of the previous forecasts, because it's the easiest thing to say, and I often avoid saying the easiest thing, but this is just what I see coming, and that is, I expect more of the same. It's the first time I've said more of the same, which is drumroll here, 2% home price appreciation for next year. No wild figure or hyperbolic material here, in order to attract attention that is my best target for the truth, I'm here to do my best to be accurate and help you make the most informed decision, 2% for next year. So a 500k property today should cost you about 10,000 more dollars next year, and as we know, with a figure like 2% which is less appreciation than the long run historic 5% or so, with this 2% appreciation on new purchases, you leverage that five to one with your 80% loan, and you get a 10% return on your down payment. And you add in the other four ways real estate pays to your 10% leverage appreciation and at historic norms, you can end up with a 29% total ROI. That's realistic. I outlined the math of that in an earlier episode this year when I discussed how real estate pays five ways in a slow market, there you have it, 2% forecast home price appreciation for next year. If you want the charts that support the forecast and more, there's a way for you to get a hold of that, and also the best real estate maps, stories and investment opportunities that you won't see in any headlines. They are all in my free weekly newsletter. The newsletter also gives you access to my free real estate pays five ways. Video, course, that is it. GRE letter.com Get it all at one easy place. Gre letter.com I look forward to talking to you in the new year. I'm Keith Weinhold, don't quit your daydrem   Speaker 3  36:06   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  36:34   The preceding program was brought to you by your home for wealth building, GetRichEducation.com  

When you focus your energy like a laser, the right single move can change everything.   In this episode of Sharkpreneur, Seth Greene interviews Stephen Scoggins, Faith-Driven Entrepreneur, Speaker, and Author, who rose from homelessness to build Custom Home Exteriors into one of the East Coast's largest exterior service companies—~400 employees and just under nine figures annually—before exiting in 2023. Stephen now leads Unstoppable Solutions, creating media and events and empowering education to help founders align purpose, performance, and profit. He shares the mentor lessons that saved his life, the pitfalls that stall entrepreneurs, and how “presence over hustle” creates compounding momentum.   Key Takeaways: → Why being busy doesn't equate to being proactive and how focused presence beats hustle culture. → How to overcome the five constraints: arrogance, ignorance, impatience, fear, and insecurity. → Why starting from scratch requires ingenuity, initiative, and brick-by-brick systems that scale. → How profit without meaning leads to isolation and how to build both wealth and fulfillment. → Why many founders need alignment more than another playbook. Stephen Scoggins is a business strategist, bestselling author, and founder of Unstoppable Solutions by Scoggins International Inc. Once homeless, he went on to build and exit multiple companies, becoming a serial 9-figure entrepreneur and mentoring thousands through his Unstoppable Entrepreneur Programs and frameworks for aligned, sustainable growth. Named by USA Today and The Wall Street Times as one of the fastest-growing entrepreneurs in 2023, Stephen has also reached over 48 million podcast views through his show Build, where he helps purpose-driven leaders scale without compromising who they are. Known for challenging hustle culture, he teaches an integrated approach to entrepreneurship that prioritizes meaning, integrity, and legacy-level impact—proving that lasting income follows radical alignment.   Connect With Stephen: Website: https://stephenscoggins.com/ Instagram: https://www.instagram.com/stephen_scoggins X: https://x.com/stephen_scoggin Facebook: https://www.facebook.com/stephenscoggins/ LinkedIn: https://www.linkedin.com/in/stephenscoggins/ TikTok: https://www.tiktok.com/@stephen_scoggins   Learn more about your ad choices. Visit megaphone.fm/adchoices

Joe Stasyszyn is the director of Unleashed Potential, a basketball skill development company, based in Carlisle, Pennsylvania. He is also a USA Basketball Player Development Coach, Speaker and Clinician at Coach Academies, Gold Camps, and Clinics around the United States and around the world. Joe was also formerly the National Director of Basketball and Youth Fitness at 24 Hour Fitness, where he managed programs in over 450 facilities nationwide. This position gave him the opportunity to work with countless elite NBA and WNBA coaches and players. Joe is a 20+ year veteran coach at the Duke University Basketball Camp.Joe began his coaching career as an assistant coach at Dickinson College and later was the head boys' varsity coach at Carlisle High School in Pennsylvania for 10 years. On this episode Mike and Joe discuss the critical importance of deliberate practice in basketball coaching and player development. Joe emphasizes the need for coaches to implement intentional and measurable training strategies to enhance player performance. He shares that true improvement stems not merely from repetitive actions but from a structured approach that includes competition and feedback during practice sessions. The discussion further highlights the global nature of basketball today, with an emphasis on the collaboration between international coaches and the wealth of knowledge shared through USA Basketball initiatives. Throughout the episode, we explore the profound impact that a dedicated and passionate approach to coaching can have on athletes, regardless of their geographical location. This exchange of ideas serves to elevate the game as a whole, as we all strive to cultivate a higher standard of excellence in basketball.Follow us on Twitter and Instagram @hoopheadspod for the latest updates on episodes, guests, and events from the Hoop Heads Pod.Make sure you're subscribed to the Hoop Heads Pod on Apple Podcasts or wherever you get your podcasts and while you're there please leave us a 5 star rating and review. Your ratings help your friends and coaching colleagues find the show. If you really love what you're hearing recommend the Hoop Heads Pod to someone and get them to join you as a part of Hoop Heads Nation.Have your pen and paper at the ready as you listen to this episode with Coach Joe Stasyszyn from Unleashed Potential & USA Basketball.Email - jstasand1@comcast.netWebsite - unleashed717.comTwitter - @coachs717

Fearless Agent Coach & Founder Bob Loeffler shares his insights on The Fearless Agent Work Ethic and how it's making his Fearless Agent Coaching Students rich! Fearless Agent Coaching is the Highest Results Producing Real Estate Sales Training and Coaching Program in the Industry and we can prove it will work for you if it's a good fit! Call us today at 480-385-8810 to see if it may be  good fit for you! Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, but Fearless Agent Coaching Students di all of these completely differently and get massively better results! Find out how! Listen in each week as Bob gives an overview and explains the big ideas behind making big money as a Fearless Agent! If you are earning less selling real estate than you wish you were, and you're open to the idea of having some help, We are here for you! You will never again be in a money making situation with a Buyer, Seller or Investor and not have the right words! You will be very confident! You will be a Fearless Agent! Call Bob anytime for more information about Fearless Agent Coaching for Agents, Fearless Agent Recruiting Training for Broker/Owners, or hiring Bob as a Speaker for your next Event! Call today 480-385-8810 - or go to https://fearlessagent.com Telephone Prospecting for Realtors means Cold Calling, Door knocking, Calling for Sale By Owners, Calling Expired Listings, Calling your Sphere of Influence, Farming, Holding Open Houses, Spin Selling, but Fearless Agent Coaching Students do all of these completely differently and get massively better results! Find out how! Are You an Owner of a Real Estate Company - need help Recruiting Producing Agents - Call today! 480-385-8810 and go to FearlessAgentRecruiting.com and watch our Recruiting Video Real Estate Coaching training Real estate training real estate coaching real estate speaker real estate coach real estate sales sales training realtor realtor training realtor coach realtor coaching realtor sales coaching realtor recruiting real estate agent real estate broker realtor prospecting real estate prospecting prospecting for listings calling expired listings calling for sale by owners realtor success Best Realtor Coach Best Real Estate Coach Spin SellingSupport the show: https://fearlessagent.comSee omnystudio.com/listener for privacy information.

In this episode of Healthy Mind, Healthy Life, host Avik sits down with bestselling author and keynote speaker David McNally to explore what it truly means to age with vitality. David reframes “successful aging” away from surface markers like money or staying busy, and toward something deeper: rich life experiences, meaningful contribution, and a compelling reason to get up each morning. He shares how many people feel lost after retirement because their sense of relevance was validated externally—through meetings, emails, and titles—until it suddenly disappears. The remedy, he explains, is finding relevance from within by rediscovering mission, gifts, and service. David offers grounded, practical ways to reconnect with purpose: reflect on what inspires you, who inspires you, and what fulfills you, then choose where your talents can add value. He also challenges the “too old” mindset, emphasizing that creativity expires only when we do—and that the brain and imagination can keep expanding. Finally, he highlights acceptance and peace of mind as essential to aging well, and recommends simple daily habits like journaling, reading something uplifting, and doing one small act to improve someone else's day. About the Guest: David McNally is a bestselling author (Even Eagles Need a Push, Be Your Own Brand, and If You Are Alive, Your Mission on Earth Isn't Finished), award-winning documentary producer, and Speaker's Hall of Fame member. His work focuses on purpose, resilience, and human potential, shaped by profound personal loss and his own health journey. Key Takeaways: Measure success by experiences, meaning, and relationships—not just achievements. Purpose is a “reason to get up,” especially after work life ends. Retirement can trigger a relevance gap; rebuild relevance from the inside out. Ask: What inspires me? Who inspires me? What fulfills me? Creativity doesn't expire with age—growth is still available. Acceptance creates peace of mind: control what you can, release what you can't. Daily habits: journal/reflect, read uplifting material, move toward a goal, help someone. How Listeners Can Connect With the Guest:   Website: https://www.davidmcnally.com/ Books: EVEN EAGLES NEED A PUSH, THE EAGLE'S SECRET and BE YOUR OWN BRAND (available on Amazon.com)Socials: Instagram Linkedin YouTube Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik™️. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer. Healthy Mind By Avik™️ is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty. storyteller, survivor, wellness advocate. this channel shares powerful podcasts and soul-nurturing conversations on: • Mental Health & Emotional Well-being • Mindfulness & Spiritual Growth • Holistic Healing & Conscious Living • Trauma Recovery & Self-Empowerment With over 6000+ episodes and 200K+ global listeners, join us as we unite voices, break stigma, and build a world where every story matters.

Your Limit is a Lie!Meet D. Logan!Logan is a Researcher, Speaker, Author, Philosopher, Activist and Creative.Logan is a high-impact transformational speaker who's redefining personal development through the lens of combat-tested grit, radical self-leadership, and unapologetic truth.Logan was raised in a religious cult and became suicidal by the age of eighteen. He ran from the pain, joined the Air Force, and served two combat tours in Iraq.But when he came home, the mental war raged on, anxiety, depression, divorce, and a life stuck in the comfort zone. After hitting rock bottom, he fought back, pursued his dream, and became a successful live TV director.Drawing inspiration from real world experience, science and research, Logan brings a unique blend of battlefield-tested discipline, neuroscience-backed strategy, and soul-awakening conviction to every stage, screen, event and person.Listen as Logan shares:- how he grew up in a cult- the suicidal thoughts from isolation- how being in a war zone affected him- reaching rock bottom and all falling apart- the motivation behind giving up alcoholism- the truth about neuroplasticity- crafting your own identity- letting your old self die- shattering limiting beliefs...and so much more!Connect with Logan:Website: https://www.theloganunlimited.com/Listen to the Podcast, subscribe, leave a rating and a review:Apple: https://podcasts.apple.com/us/podcast/what-do-you-believe-about-yourself-create-a-new/id1614151066?i=1000743060988Spotify: https://open.spotify.com/episode/52tuAC2LmyfuPqpP2cKr4n?si=qLFSxfV3S8q1eXbO3qvVhwhttps://open.spotify.com/episode/52tuAC2LmyfuPqpP2cKr4nYouTube: https://youtu.be/66z8o3UTtE4

Have you ever wondered what makes introversion a powerful force in your life? In this special World Introvert Day 2026 episode of The Quiet And Strong Podcast, host David Hall invites you to celebrate your unique strengths as an introvert and bust the common myths that surround introversion. Whether you sometimes feel misunderstood or simply want to better understand yourself, you'll find encouragement and insight in this episode.Tune in to learn the key differences between introversion and shyness, why self-awareness is essential for introverts, and how to harness your strengths for personal and professional success. David Hall shares valuable strategies for recognizing your gifts, building confidence, and creating meaningful goals that honor your personality. You'll also get recommendations for impactful books and assessments that can help you understand yourself and celebrate all that you have to offer.This episode is perfect for introverts looking to embrace who they are, challenge misconceptions, and start the new year with clarity and confidence. Join the celebration, honor your strengths, and be strong.Episode Link: QuietandStrong.com/256Send us a text- - -Contact the Host of the Quiet and Strong Podcast:David Hall Author, Speaker, Educator, Podcaster quietandstrong.comGobio.link/quietandstrongdavid [at] quietandstrong.com NOTE: This post may contain affiliate links. I may earn a commission if you make a purchase, at no extra cost to you. Take the FREE Personality Assessment: Typefinder Personality Assessment Follow David on your favorite social platform:Twitter | Facebook | Instagram | LinkedIn | Youtube Get David's book:Minding Your Time: Time Management, Productivity, and Success, Especially for Introverts Get Quiet & Strong Merchandise

As the New Year approaches, are you looking to spend more time rooted in God's word? Speaker, Author, and Host of the podcast The Bible Recap, Tara-Leigh Cobble, aims to help people better understand the Bible. She describes how The Bible Recap offers digestible plans that allow listeners to dive deep into Scripture within minutes. Tara-Leigh emphasizes the importance of understanding Scripture and how it can help people grow their faith throughout their lives. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episode 270- Securing Your 2026 Also Available OnSearchable Podcast Transcript Gun Lawyer — Episode 270 Transcript SUMMARY KEYWORDS Security evaluation, electronic security, physical security, camera surveillance, alarm systems, firearm safety, mental state, personal protection, dog security, property defense, legal implications, pet rights, self-defense, gun laws, New Jersey gun law. SPEAKERS Evan Nappen, Teddy Nappen, Speaker 2 Evan Nappen 00:14 I’m Evan Nappen. Teddy Nappen 00:16 and I’m Teddy Nappen. Evan Nappen 00:18 and welcome to Gun Lawyer. So, 2026 is just about upon us, and what’s really great to do at the beginning of the year is to take a look at your own security for yourself and your family as we start this new year. And as you know, it’s dangerous out there and you know, we’re gun owners, and we believe in defense and self-defense. There are things we need to do that include guns, but also don’t include guns when it comes to evaluating your own personal security, which is something that we all should be very concerned about. So, when you want to think about your security, particularly in your home and through your life, there are two ways to divide security. You have what is electronic security and then what we might call physical security. Evan Nappen 01:25 So, electronic security would include lighting, alarm systems, and cameras. That kind of security falls into, you know, surveillance and warnings and illumination and really is reliant upon electronic security. In terms of physical security, we have gun safes and other safes, dogs. Dogs are a form of physical security. Locks, good locks, good bars on windows where it may be needed. And of course, our firearms are the last resort of our physical security. And the idea is to have an excellent combination of both physical and electronic security. You want to cover all the bases to give you a full security umbrella. And, of course, combined into all this is your mental state, and for that, I would highly recommend Jeff Cooper’s “The Principles of Personal Protection”. You’ll gain insight into your daily life and what you need to do to have awareness and those principles. Evan Nappen 02:58 But these areas of electronic and physical security are very critical, especially today. Also, you know, electronic security, a lot of it, combines computers and our cell phones, too, as well. And so, with what’s available today, it’s kind of amazing, because it is very reasonable to have camera surveillance. I Page – 1 – of 10mean, you know, a number of decades ago, if you wanted to have cameras on your property, protecting your home, etc, it was tens of thousands of dollars. It was basically not within reach of average people to have that kind of surveillance. But now, with the advent of the internet and with these smaller, amazingly effective cameras, you know, particularly Ring and other companies, you can absolutely have great, actually, camera surveillance better than decades ago with the equipment that existed then, and for just a fraction, a fraction of the price. I mean, every person should have at least a Ring doorbell or some equivalent to that, so that you know who’s coming to your door. It films motion and those individuals that may approach, and not just individuals, but also animals, cars, and other things. This is a really great advance in modern-day technology, not just in what it does, but in the amazing, reasonable cost that you can get it done and accomplished for. Evan Nappen 04:58 Of course, there are other cameras that can work into your floodlights. Floodlights that also record and are motion driven and part of the system, the alarm system itself, which is great. Very easy to self install and put in a Ring alarm system. And they work very well. And you know, not to have an alarm system in your house with the availability of just a Ring alarm system or something else for electronic, you know, other brands too, that are out there, Simply Safe and others, is really a serious mistake, because you can get yourself and your family electronic protection at a very reasonable cost today. I mean, look, decades ago, you had to hire a professional alarm company. They had to hard wire, and they had to do all the switches, all that. What they have available today is amazing and very effective. It can give you that added peace of mind, and you can combine it with the cameras, both inside cameras outside cameras and other motion detectors. Evan Nappen 06:07 All kinds of things are out there that you can do yourself pretty darn easily and give yourself the protection. You want to combine that protection with good lighting. Lighting is also very important. Lighting helps discourage theft and other bad people. It illuminates them, and also the camera records them. It can also give you advance warning of individuals that come into your perimeter by both the camera surveillance and by the alarm itself. I mean, you know, you go to sleep at night. You have your cameras, and you turn on the perimeter of your alarm. You’re protecting yourself and your family. And you know that the physical security becomes important. You have the good locks. You have your valuables stored in safes. You hopefully have your dog or dogs, and you have your firearms. When you have that gamut of protection, both electronic and physical, you know that you’re maximizing your ability to defend yourself and your loved ones. These things today can be accomplished at a very reasonable cost, and there’s really no reason that an average person cannot have security that decades ago would have been tens of thousands of dollars. This is the new world. Evan Nappen 07:45 And not only that, it combines into apps on your phone. You’re able to control your alarm away from your home, turning it on and off. You can see what activity is going on. You’re able to look at the cameras. You don’t have to even be at your house, and you can surveil and see and get notice. It is really an amazing time when you consider what’s available in electronic security and in physical security, with the better locks, enforcers that can be added to doors. Things that can be not even as obvious, but adding tremendous security. And this is a mindset, folks. It’s a mindset for the new year. Page – 2 – of 10You should do your own security evaluation of your home and your property. Look to see if you have bushes or trees that block the view from the road, where persons can break in through a window and not be seen. Look at your lighting. Take a look. Is it lit up? Well, look at your cameras and the angles and areas that are covered by your outdoor cameras, by your floodlight cameras. Look at where you have cameras inside your home. Now, you want to be aware of your own privacy, and that’s very important. But there are places in your home that you don’t frequent all the time, basements, garages, etc., where you can have cameras to even provide interior protection should an intruder come in. These are things to consider in the full picture of your security. Evan Nappen 09:26 And if you’re able to have a dog, let me tell you, dogs can make a huge difference. You know, in surveys they’ve done on felons and criminals and such, they ask what they’re most afraid of? Well, the number one thing that criminals are afraid of is an armed homeowner. That’s right. Number one thing they’re afraid of is a homeowner with a gun. So, right there is an important deterrent factor. The second thing that felons, criminals, etc. are most afraid of is two dogs. Believe it or not, two dogs really freaks them out. That gets their attention. But even having one dog is very important, because dogs bark. Dogs are keenly aware. Their senses are better than yours and mine, superior. And dogs are an alert system. I know of cases, actual cases, where individuals were looking to do a hot robbery and, even worse, commit murder, just to randomly kill, and they went to canvas homes. And homes that had dogs they avoided, and they hit the home that didn’t have a dog. It wouldn’t matter if the home they came to had a little yapper that was barking, they avoided that home just because of the dog being there as an alert system. So, dogs are very important, very critical. I would highly recommend having a dog. The other thing is dogs, you know, they are loyal, and depending on your type of dog, most of the dogs designed for security, will happily give their life to save yours. And dogs can buy the time in between the bad guys wanting to harm you and your family, for you to get to your gun to have the ultimate protection. Evan Nappen 11:42 So, these are things you need to consider when you look at your own security and your own physical security of yourself and your family. At the beginning of the year, it’s a good time to think about it and figure how secure are you? Ask yourself, how secure are you when you go to sleep at night? Do you feel secure? Do you have camera surveillance? Do you have alarm surveillance? Do you have a dog on the lookout? Do you have your firearms? Do you know how to use them? Are you trained? And do other members of your family understand how to use these things as well? Think about these things. I want all my listeners to be safe and protected, and these are things that can help you and may make the difference. So, stay safe in ’26, folks. It’s going to be an interesting year, that’s for sure. Evan Nappen 12:36 And with the Big Beautiful Bill kicking in, with no more NFA tax, and with very interesting court cases proceeding, we may be able to enhance our security even more with guns and accessories that the Second Amendment oppressors have tried to stop us from having. So, stay tuned. Teddy, what do you have for us today? Page – 3 – of 10Teddy Nappen 13:07 Well, as you know, Press Checks are always free, and this is something that kind of came up as I was flipping through. This is actually an issue. We kind of talked about the whole idea of defensive property. So, this is out of Pennsylvania, from Kinship News by Petrana Radulovic. (https://www.kinship.com/news/pennsylvania-pets-are-family-divorce) Pennsylvania House passed a bill saying pets are family members, not objects. I’m not joking. Evan Nappen 13:45 Well, pets are normally viewed as property. Teddy Nappen 13:47 Yeah. Evan Nappen 13:48 Now they’re declaring pets to be family members. Teddy Nappen 13:53 Yep, the article talks. Evan Nappen 13:54 Can I take them as a deduction on my income tax? Teddy Nappen 13:57 I don’t know. This is the thing, though, it opens up that gate. Well, it may just might because in Pennsylvania, the House passed a new bill classifying pets as living beings that are generally guarded as cherished family members. In the bill. Evan Nappen 14:17 Cherished family members. Teddy Nappen 14:19 During divorce proceedings. There’s the caveat. Evan Nappen 14:23 Oh, okay. Teddy Nappen 14:24 It’s House Bill 92, and it passed with 121 over 82. Now going for the Senate. The argument was that the statute for special category for companion animals, where judges would then be legally required to consider the welfare of the pets when it comes to which individual gets custody. (https://pawprintoxygen.com/blogs/healthy-paws/pennsylvania-pet-custody-law-update) It’s literally taking. Page – 4 – of 10Evan Nappen 14:49 Well, some people are very attached to our dogs. We get very emotionally attached. Teddy Nappen 14:55 But it takes the whole stage of who gets the dog to a whole new level. Evan Nappen 15:00 Yeah, I guess it does. Well, maybe you can request visitation for your dog. But the problem is, well, it could be beneficial, because if it’s viewed that way, and gun owners defend their dog from harm. It’s actually may, down the road, maybe raise it to the same as protecting a human. So, that given how emotionally attached we are to our dogs, that defending our dog, you know, but it also, you know, basically it’s John Wick. It’s the entire premise of John Wick, huh, when it comes to that, as to your dog being harmed. Teddy Nappen 15:49 Well, I look at it as the slippery slope where they say it’s a fallacy, but in actuality, just because the amount of things that have opened the floodgates, cut to transgender, men can become women. You can cut to any subject where it’s like, well, they didn’t look at the unintended consequences of these actions. Where, right now, it opens that door, where could dogs not be considered property. Could you defend your dog in a self-defense? And funny enough, right out of here, out of USA Carry, it was a whole article by Brian Armstrong. “Can you use deadly force to protect your pet?” And it was one of those where he brings up a variety of scenarios where, generally speaking, if someone’s attacking your dog, you can’t just shoot them. Evan Nappen 16:41 Right. Because the dog is property, and yet, maybe we’ll see that turn around if dogs start being treated as family members under the law. But it does open it up to, well, if we start treating them as people, then how can you know, what if you have to put your dog down? Like you can’t take your kid to have them put down, right? Because that’s a person. But what about a dog or a cat, etc.? And by the way, why are we excluding cats? Do cats get covered under this, too? Cats aren’t going to be considered family members? Teddy Nappen 17:19 It says pets, so I guess dogs and cats. Evan Nappen 17:20 Oh, so wait a minute. So, any pet? Teddy Nappen 17:26 Any pet. Like my pet rock, my pet Scorpion. Evan Nappen 17:29 See now it starts to open up. Gerbils, horses, right? Page – 5 – of 10Teddy Nappen 17:37 It’s one of those. But. Evan Nappen 17:38 My pet alligator. My comfort Gator. Teddy Nappen 17:42 However, I do look at some of the positives. I know we had this whole back and forth on the right of defending property, and I think this could open things up for that. Where people could have the right in using lethal force to defend property. It’s one of those that I would like to see them iron that out more. Even in the article, he was bringing up scenarios where you could have that situation. He brought up, like a man’s walking down and you see a dog attacking your dog, and where you have that idea where you’re technically trying to defend property, from the, you know, you can shoot like wild animals attacking your dog. Evan Nappen 18:20 Well, in some states, they have laws allowing you to shoot dogs that are wild, that are feral, that attack deer, etc. Some of that’s out there, but you know, normally, though they’re viewed as property. And if we’re going to start giving them status as humans that can cut both ways. It can be problematic too. Because if an individual then shoots a dog, they may face penalties as if they shot a person. Teddy Nappen 19:01 I know. Your very first case. This is the exact issue, actually. Evan Nappen 19:04 Exactly, exactly, exactly my very first case. And, yeah, well, I don’t know. Because, you know, I haven’t discussed that in a while. Maybe I should actually tell that story here, because it is a classic of one of the earliest cases. Teddy Nappen 19:26 A tale as old as time, one might say. Evan Nappen 19:29 Yeah, this is in another state, other than New Jersey. My client was shooting coyotes out his bedroom window at three o’clock in the morning over a bait and a light, which was perfectly legal in the place where he was doing it, believe it or not. But, unfortunately, there was a dog that belonged to a neighbor that lived, not really that close, but the dog, apparently, that night, decided to run with the homeboys. You know, with the coyotes. And my client, inadvertently, shot the dog thinking it was a coyote. And what he would do is he’d shoot the coyotes and leave them there so that other coyotes came and he’d shoot them, too. He didn’t go out there to retrieve dead coyotes. Well, anyway, that night, after shooting the dog, unbeknownst to him, there’s this banging on his door. A woman is there holding her dog that’s been shot. And she’s like, you shot my dog, you shot my dog. And he’s like, oh my god, I had no clue. I had no idea. I’m sorry. I’m so sorry. Page – 6 – of 10Evan Nappen 20:37 And she’s all bent about it. I mean, I can understand, you know, who wants to have their dog shot? On the other hand, she should not be letting her dog run around loose. So, she calls the police, and the police come. The police say, hey, lady, we’ve told you a half a dozen times not to let your dog run loose. So, too bad. Your dog was shot, but it’s not criminal. Goodbye. Well, she’s not to be deterred, and she calls Fish and Game. Well, it so happens that there was a Fish and Game law that had relatively recently come out about shooting a dog. If you shot a dog while hunting or any other way, you were required to call it in that a dog was shot. Anyway, this Fish and Game Officer decides to be the white knight for this woman who’s hysterical and charges my client with shooting the dog and not reporting it, etc. Now, of course, it was reported because the police had come. So, it was reported, but it didn’t stop them. Evan Nappen 21:47 So, anyway, the charge moves into the Municipal Court. We bring a motion not only based on the facts, that he arguably did have it get reported because the police came, but also that this law was, in effect, a violation of his Fifth Amendment, because it was requiring self-incrimination in mandating this reporting. And when I put this through the Fish and Game Officer who in this state, they would prosecute their own cases, a couple things. He had actually gotten sick and tired of this woman who was just incessantly hysterical and just couldn’t get over this. And he had, I think, had enough of that, and realized that we were in a constitutional area on this new law, and that there actually was arguably a reporting. So, he dismissed the case without us having to actually have the hearing. Evan Nappen 22:56 And so with the case dismissed, I walked out of the court with my client, and I’m explaining to him how he can get his gun back from the Fish and Game Officer. And this woman comes running out of the courtroom. She’s at the top of the courthouse steps. She has a dozen pictures of the dog in her fists, and she’s waving them around. She’s screaming and yelling. She comes running down the steps, and she starts pounding my client on his chest with these photos of the dog, and screaming, you killed my dog. You killed my dog. And he kind of falls backwards. I’m there, and I just try to give her a command to stop. I said stop, you know, stop. Stop that. Back off, right? Trying to just command her to stop. At which time, she turns and she points her finger at me with a fistful of dog pictures, and she says, and you his mother fucking fat attorney. At which time I said, how dare you call me an attorney. And right then and there, the bailiffs grabbed her and arrested her. They took her away. My client, I’m saying him, are you okay? Are you okay? Because he’s still on the ground, and he goes, yeah, I’m okay. Man, I’m just laughing so hard I can’t get up. So, that is the famous dog shooting case. True story. Evan Nappen 24:39 And anyway, well, Teddy, we’ll see what happens about dogs taking on human status. But I want to mention our good friends at WeShoot. Teddy Nappen 24:52 It could be a voting block. Page – 7 – of 10Evan Nappen 24:54 Yeah, it could be. I wouldn’t be surprised since the Democrats are losing their illegal alien voting base. Maybe this is part of their plan. Maybe we got to get dogs to vote. But they might, who knows? Dogs are pretty smart. They probably wouldn’t vote Democrat, except for maybe some poodles. I don’t know. Sometimes they’re pretty smart, too. Maybe they’d go the right way. Teddy Nappen 25:17 A lot of golden retrievers. Evan Nappen 25:19 Yeah. Well, yeah. Well, what do you think about that? Well, goldens are pretty good. I don’t know. I don’t want to be insulting to goldens. Teddy Nappen 25:25 They’re very loving, but they’re very stupid. Evan Nappen 25:27 They are. Oh, my god. Do you know how much hate mail you’re gonna get for saying that? We love all dogs. Teddy Nappen 25:34 I’m not saying I don’t love them. I’m just saying, like golden retrievers are so. Evan Nappen 25:35 Well, they better not be only, only Democrat Golden Retrievers. We will not. Teddy Nappen 25:42 German, the German Shepherds, though, those are crazy smart, where they were open, you know, the door. Evan Nappen 25:47 The Dems will claim that the German Shepherds are fascist, racist, of course. You know, extreme right. I could just hear it. Oh, God, this is gonna get off the charts. Well, let me mention our good friends at WeShoot, who is, of course, our favorite range. Where we, you and me, Teddy. We shoot there. We train there. We got our CCARE certificates there, and lots of other good training. Great pro shop, great range. They’re located right there in Lakewood, New Jersey, right off the Parkway. Easy access. Great folks. Great environment. State of the art range, great pro shop, and a fantastic website. Go to weshootusa.com, and you can check out their website. They have all kinds of great specials and sales, and they send out news alerts and bulletins letting you know about all kinds of special deals. And actually, their emails are excellent. Even their communication is excellent with WeShoot. WeShoot members, they love we shoot, and I know you’ll love it, too. So, check out WeShoot. Pay them a visit. You’ll see why we shoot there, and you’ll see why it’s one of the finest ranges and best resources for gun owners right there in Central Jersey. weshootusa.com Page – 8 – of 10Evan Nappen 27:22 And I also want to mention our friends at the Association of New Jersey Rifle & Pistol Clubs. They are the premier gun rights defenders for New Jersey. They’re there in the courts, fighting as we speak. Fighting right now, in that Third Circuit Court of Appeals on the Carry Killer Law, assault firearms, and magazines. It’s great. We’re going to see some awesome results. I’m very optimistic here. We’re going to finally see New Jersey put in its place by the judiciary. This is great stuff. We can thank President Trump for that. Many of the judges that he has been, both his first term and second term, they’re making all the difference when it comes to enforcing and protecting our Second Amendment rights. And the Association is there litigating in federal court. They also have a full-time paid lobbyist in Trenton. Please make sure you join the Association of New Jersey Rifle & Pistol Clubs. anjrpc.org ANJRPC is the premier organization, folks, and when you belong to them, you’re going to get email alerts as to the shenanigans going on in Trenton, as to the progress in the litigation. You’re going to be on top of things and be able to take action as needed. So, please join. Make sure you’re a member. Evan Nappen 28:58 And let me also shamelessly promote my book, New Jersey Gun Law. It’s the Bible of New Jersey gun law, and if you don’t have a copy, you’re at a severe disadvantage, because it is the best anti-GOFU medicine there is. My book is written to protect law-abiding gun owners, to teach them what they need to know to try to remain law- abiding in the extremely challenging state of the Democratic People’s Republic of New Jersey. So, get your copy of New Jersey Gun Law by going to EvanNappen.com. Evan nappen.com. It’s the big orange book. It’s over 500 pages with 120 topics, all question and answer. Scan the front cover QR code there and join my private subscriber base. It’s private, and you will get email updates. You’ll also be able to get access to the archives. You’ll get email alerts from me as the law changes. Go to EvanNappen.com and get your copy today. Evan Nappen 30:08 So, speaking of GOFUs, what do we have this week for GOFU? Well, I’m going to tell you. We were just talking about security at the beginning of the show, but, you know, you’ve got to be careful with your own security. Because you don’t want to have GOFU if you’re using cameras. You want to be careful about your own privacy. You want to be careful about what you film. And yet, sometimes by not having cameras, you can be put at a disadvantage, and that can be a GOFU. So, the importance of your cameras can help you in a situation of self- defense, because it can demonstrate that you were justified. But at the same time, if you acted wrongly, it could be a problem. But since you are only going to act properly, it will end up documenting in video what occurred, and this has made the difference in cases that I’ve had where there have been Ring and other video that exculpate. That’s a fancy legal word for essentially proving or demonstrating innocence. Exculpating the client from certain charges. Evan Nappen 31:43 So, the GOFU can be a GOFU if it’s not used properly, but in this instance, the GOFU might become the opposite, an advantage, when used properly. So, consider that when dealing with your security situation, and think about the scenarios that you may have to deal with in how you place and distribute your cameras and your alarm. And how you take care of your guns and your dog and how you maintain physical security, by securing your firearms when they’re not being used, etc. These are all important considerations as you begin this new year, so that we can all stay safe. Page – 9 – of 10Evan Nappen 32:34 This is Evan Nappen and Teddy Nappen reminding you that gun laws don’t protect honest citizens from criminals. They protect criminals from honest citizens. Speaker 2 32:46 Gun Lawyer is a CounterThink Media production. The music used in this broadcast was managed by Cosmo Music, New York, New York. Reach us by emailing Evan@gun.lawyer. The information and opinions in this broadcast do not constitute legal advice. Consult a licensed attorney in your state. Page – 10 – of 10 Downloadable PDF TranscriptGun Lawyer S3 E270_Transcript About The HostEvan Nappen, Esq.Known as “America's Gun Lawyer,” Evan Nappen is above all a tireless defender of justice. Author of eight bestselling books and countless articles on firearms, knives, and weapons history and the law, a certified Firearms Instructor, and avid weapons collector and historian with a vast collection that spans almost five decades — it's no wonder he's become the trusted, go-to expert for local, industry and national media outlets. Regularly called on by radio, television and online news media for his commentary and expertise on breaking news Evan has appeared countless shows including Fox News – Judge Jeanine, CNN – Lou Dobbs, Court TV, Real Talk on WOR, It's Your Call with Lyn Doyle, Tom Gresham's Gun Talk, and Cam & Company/NRA News. As a creative arts consultant, he also lends his weapons law and historical expertise to an elite, discerning cadre of movie and television producers and directors, and novelists. He also provides expert testimony and consultations for defense attorneys across America. Email Evan Your Comments and Questions  talkback@gun.lawyer Join Evan's InnerCircleHere's your chance to join an elite group of the Savviest gun and knife owners in America.  Membership is totally FREE and Strictly CONFIDENTIAL.  Just enter your email to start receiving insider news, tips, and other valuable membership benefits.   Email (required) *First Name *Select list(s) to subscribe toInnerCircle Membership Yes, I would like to receive emails from Gun Lawyer Podcast. (You can unsubscribe anytime)Constant Contact Use. Please leave this field blank.var ajaxurl = "https://gun.lawyer/wp-admin/admin-ajax.php";

On Episode 145 of the Guest Speaker series, Mike sits down with Boston artist & producer MaceyOMaze, and artist manager Ty Boogie, both of whom are a part of the eclectic group Ethereal Visions (or commonly known as EV) and are making waves within the New England music scene. Macey & Ty discuss how EV was formed, as well as the influences they have drawn from groups before them, much like Van Buren Records. The guys also discuss how VB has been supportive of EV's rise as well. MaceyOMaze is also on the heels of dropping an incredible project titled 'See You In Boston' in collaboration with legendary emcee and producer, Edo G, who fully produced the album. Macey discusses the full circle moment of Edo G being his father's favorite artist growing up, and how shooting the video for single "Father'd a Child" was a dream come true for him and his family. Mike, Macey, & Ty also discuss a variety of topics and stories, including Ty nearly getting stranded in NYC, Macey's vast knowledge and fandom of video games, and so much more. Follow MaceyOMaze on Instagram: https://www.instagram.com/maceyomaze/ Follow Ty Boogie on Instagram: https://www.instagram.com/tyboogie_97/ Follow EV on Instagram: https://www.instagram.com/etherealvisionsus/ Stream 'See You In Boston' on Apple Music: https://music.apple.com/us/album/see-you-in-boston/1802787508 Stream 'See You In Boston' on Spotify: https://open.spotify.com/album/16DG19xDKhIkJaOQ8FQKmk?si=DKKcG6esSjSpH_izo4M1-A Watch the "Father'd a Child" music video: https://www.youtube.com/watch?v=fSG8dUF-9S0 Check out our studio, AOA Studios, and book a session or service with us: https://www.aoastudios.org/inquiriesbooking Follow our social media and blogs Instagram - https://www.instagram.com/turntableteachers/?hl=en Tik Tok - https://www.tiktok.com/@turntableteachers Blog - https://www.turntableteachers.com/blog Shop - https://www.turntableteachers.com/shop Subscribe to our streaming services Apple - https://podcasts.apple.com/us/podcast/the-turntable-teachers/id1448694925 Google Play - https://playmusic.app.goo.gl/?ibi=com.google.PlayMusic&isi=691797987&ius=googleplaymusic&apn=com.google.android.music&link=https://play.google.com/music/m/Icujt6fhi2je7zzfxjkr7glcowe?t%3DThe_Turntable_Teachers%26pcampaignid%3DMKT-na-all-co-pr-mu-pod-16 Soundcloud - https://soundcloud.com/user-538618877 Spotify - https://open.spotify.com/show/4UJh499meoTP5wV2b2jrb0?si=EMaTjq9CR2-_zA6orKQNEQ

To find out more about River Rock Church or to visit our online store, go to https://www.riverrockchurch.net.

12/28/2025 | Today's daily devotional by C. H. Spurgeon on SermonAudio: Title: Absolute Assurance Subtitle: Faith's Checkbook by Spurgeon Speaker: C. H. Spurgeon Broadcaster: Prince of Preachers Event: Audiobook Date: 12/28/2025 Bible: Hebrews 13:5 Length: 1 min.

12/28/2025 | Today's morning devotional by C. H. Spurgeon on SermonAudio: Title: Spurgeon's Morning & Evening - Dec 28 AM Subtitle: Spurgeon's Daily Devotional Speaker: C. H. Spurgeon Broadcaster: Prince of Preachers Event: Audiobook Date: 12/28/2025 Bible: Galatians 2:20 Length: 3 min.

12/28/2025 | Today's evening devotional by C. H. Spurgeon on SermonAudio: Title: Spurgeon's Morning & Evening - Dec 28 PM Subtitle: Spurgeon's Daily Devotional Speaker: C. H. Spurgeon Broadcaster: Prince of Preachers Event: Audiobook Date: 12/28/2025 Bible: Matthew 10:34 Length: 3 min.

Cody comes out strong with a challenge for us as we wrap up this Christmas season and head into 2026 with a Word from Romans 6 which is all about Remembering Jesus. You will definitely be blessed and encouraged by this challenging message. Thank you for listening to our podcast! We hope you have been encouraged today.Check us out on social media, or to learn more, you can visit our website at www.freedomcanyon.com.

A new MP3 sermon from The Narrated Puritan is now available on SermonAudio with the following details: Title: The Soul's Yearning For God Subtitle: Spurgeon's Prayers Personal Speaker: C. H. Spurgeon Broadcaster: The Narrated Puritan Event: Audiobook Date: 12/27/2025 Length: 8 min.

A new MP3 sermon from Answers in Genesis Ministries is now available on SermonAudio with the following details: Title: Lazarus Taxon Subtitle: Answers with Ken Ham Speaker: Ken Ham Broadcaster: Answers in Genesis Ministries Event: Radio Broadcast Date: 12/26/2025 Length: 1 min.

Help Stop The Genocide In American Ghettos Podcast is a platform for ordinary law abiding citizens from Emmanuel Barbee friends list and from his social groups who are Black Artists, African Artists, Allied Healthcare professionals, Church Leaders, and Black Entrepreneurs, African Entrepreneurs who want to promote their products and services to our listeners from the global community. This no holds-barred talk show focuses on promoting Grassroots Community Advocacy, Business, Finance, Health, Community-Based Solutions, Employment, Social Issues, Political Issues, Black Issues, African Issues and Christianity which speaks to the interests of our listeners. Broadcasting on multiple social networks throughout the United States and around the globe. This show will provide insight on how our creative abilities can be used to create economic tangibles in our communities, neighborhoods and in Black countries. The Grass Roots Community Activist Movement is about uniting the African American community and the African Immigrant community in Chicago and eventually throughout the Diaspora. I'm not just online trying to sell my book, selling items from my virtual store or just trying to get donations for my film project but rather to recruit like minded Black Americans, like minded African Immigrants within America to help me build the best African American business within the United States of America called the Grass Roots Community Activist Institute of Chicago. Our objective is for us to build our own network so that we can support each other in business. #NotAnother34Years #M1

Send us a textIn this episode, Steve Altishin speaks with Speaker and Author of Financial Epiphany, Scott Yamamura, about making personal finance accessible and actionable through simple principles. Scott introduces the concept of "the power of 16," explaining how money can multiply over a 40-year career when invested early. He breaks down complex financial concepts like compound interest into relatable terms, comparing financial ability to athletic ability that diminishes over time. The conversation covers practical strategies for retirement savings, college planning, debt management, and aligning financial goals with life purpose.If you would like to speak with one of our attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.To learn more about how Scott can help you, you can view his website at: https://financialepiphany.com/Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

Making the case for a better at home A1C test. Orange Biomed is developing a compact, one-drop, at-home A1C testing device they say could make frequent A1C checks easier and more accessible than ever. They're passionate about closing the gap for people who struggle to get to clinics regularly… and the research they share is compelling: four A1C tests a year can lead to a nearly 4% reduction in A1C levels. We'll talk about why more frequent A1C monitoring matters—even in the era of continuous glucose monitoring—how their new device works, and what early clinical trial results look like. This podcast is not intended as medical advice. If you have those kinds of questions, please contact your health care provider. More about Orange BioMed here Announcing Community Commericals! Learn how to get your message on the show here. Learn more about studies and research at Thrivable here Please visit our Sponsors & Partners - they help make the show possible! Learn more about Gvoke Glucagon Gvoke HypoPen® (glucagon injection): Glucagon Injection For Very Low Blood Sugar (gvokeglucagon.com) Omnipod - Simplify Life Learn about Dexcom  Check out VIVI Cap to protect your insulin from extreme temperatures The best way to keep up with Stacey and the show is by signing up for our weekly newsletter: Sign up for our newsletter here Here's where to find us: Facebook (Group) Facebook (Page) Instagram Check out Stacey's books! Learn more about everything at our home page www.diabetes-connections.com    Episode transcript:   Stacey Simms  00:05 Today on diabetes connections, making the case for a better at home A1C test. Orange biomed is developing a compact, one drop device that they say could make frequent A1C checks easier and more accessible. They're sharing research that four A1C tests a year can lead to a nearly 4% reduction in A1C levels, but they say a lot of people can't get to the clinic that much. We'll talk about why this matters, even in the era of CGM, how the device works and what the early clinical trial results look like.   This podcast is not intended as medical advice. If you have those kinds of questions, please contact your healthcare provider.   Welcome to a bonus episode of diabetes connections. I hope your December is going well and that you know somehow you're able to take some time for yourself in the middle of all the holiday rushing around this time of year can be magical and stressful and exhausting and wonderful, and you know, all the things. And it's the same thing over here, super busy getting all this stuff done before the end of the year. Love it. But, you know, getting podcast episodes out, writing all the things we write and planning for next year, as they say, We're staying booked and busy.   But quick behind the scenes here to better explain this episode, I taped this interview way back over the summer during the ADA Scientific Sessions conference. I had some technical problems. I actually thought I lost this interview. There were two interviews that seemed to have gone missing. We're going to air the other one very soon. But thankfully, I do have backups upon backups. So all the info that you're going to hear today is still relevant.   This product, a small A1C test, is still in development. The only dated bit is about their follow up event that took place in August. Orange Biomed was launched in 2021 in South Korea, with its US headquarters in Providence, Rhode Island. Its founders are two Duke University alums, and they're my guests, CEO Yeaseul Park and Co-President Unghyeon Ko, We are also joined by Janice Dru-Bennett. She is a senior advisor at the company. Now, English is not the first language of two of these three speakers. This is a good time to remind you that most podcasting platforms have pretty good transcription services these days, especially Apple, I think they have a fantastic real time transcription service for podcasts that has been impressive to me in how they translate diabetes language. They're getting better at it. But I am also going to put a transcript of the interview in the show notes, which I don't normally do because the podcast services have gotten so good at it, but I think it could be helpful for at least a few of you out there. Okay, here is my conversation from the floor of ADA from the team at Orange biomed.   Yeaseul Park, Janice Drew Bennett and Dr Ko, Welcome to diabetes connections. I can't say live from ADA, because we're taping this to air later, but you're all there. Thank you so much for joining   Yeaseul Park  03:08 me. Yes, thank you. We're   03:10 excited to be here. Oh   Stacey Simms  03:11 my goodness. Can I ask first, how is the trip? I mean, yes, let me ask you. You guys came a long way.   Yeaseul Park  03:17 Yeah, it was 13 hours from Korea. But it's I'm so excited, because this event is really one of the times, and this is actually our third time attending ADA.   Stacey Simms  03:31 That's great. And we have so many questions for you, but Janice, let me ask you, you're there as everybody's setting up at the kind of beginnings of the show. What is it like right now for people who aren't familiar with ADA,   Janice Dru-Bennett  03:42 yes, you can hear the hammers in the background, although, but not on this podcast, but there's a lot of noise and people walking by. We're just setting up this the day before the exhibit hall opens and Dr Cole will be presenting at the Innovation Hub tomorrow, which is where we're sitting right now, with tables of innovators will be showcasing their diabetes innovations, and   Stacey Simms  04:04 there's a lot to get to. Dr Koh, I know you're presenting, but yes, let me ask you, like, what why? I know you said it's your third year, but why is orange biomed at ADA, what is your goal   Yeaseul Park  04:16 for us? ADA, is for a learning experience. As well as a platform to share. We come to see how all those around the world are fighting against diabetes, whether through clinical research, digital tools or technologies or community programs. At the same time, you're so proud to hear what orange biomat is building anytime, and eight months exhausting. That makes diabetes monitoring not accessible, not so many. And this year is especially exciting because Dr ko our co founder of orange buying at the group of speaking at ADA brand new program the innovation Hall.   Stacey Simms  04:58 That's awesome. So Dr Koh, tell me. Little bit about this, the Innovation Hub is pretty cool, but what are you going to be talking about?   Unghyeon Ko  05:05 Yeah, actually, I'm talking about the engineering part. I mean our technology, so our orange biomed, we are trying to solve a simple but a serious problem about the A1C accessibility. So to increase the A1C accessibility. So we are, we are developing at home device to measure the A1C level. So I'm, I'm talking about how difficult to increase the accessibility of A1C, but our technology is handled that difficult problem. So we now he's so agreed. So I'm going to introduce our technology and emphasize the importance of the A1C measurement at home.   Stacey Simms  05:49 Yeah, so A1C, it's interesting. My son was diagnosed at two, and in the pediatric world, you know, they'll just prick a finger generally and have that A1C right away. But my husband lives with type two, and he gets his labs drawn. And then it takes forever. So tell me a little bit before we go further about what you're hoping to do and making this easier for the patient,   Speaker 1  06:10 the frequent monitoring of A1C is so important to prevent the diabetic complications. So the money, so if you there is some so I can say that there is a research that if you measure the A 1d the four times a year, the People's A1C level is decreased like 3.8% but if you measure the A 1d at one per year, Then the A1C level is increased 1.5% so the frequent A1C monitoring is so important to prevent the diabetes complications. But problem is A1C measurement is only available at clinical site at this moment, so most of the A1C monitoring is done by the clinical side. So that's why people are difficult to monitoring A1C, because they have to visit the clinics forever. So is so like four times, or even eight times visit the clinics or hospital is quite difficult, especially in the people living in the far area from the hospital. So that's why the home A1C test is required. So I think that's why the accessibility of the A1C is one of the important things in managing the diabetes complications.   Stacey Simms  07:39 Dr Koh, is there evidence that, I mean more frequent A1C testing, I think would give many people peace of mind, perhaps. But is there evidence that it really does help in your health?   Speaker 1  07:51 Oh, yes, it is actually like from there is the research, like the famous research about the A1C level, like the research name this t and this research proved that the A1C is the one of the strongest predictor of diabetes complication. So A1C is completely related with the risk of diabetes complication. So like keeping A1C on the 7% dramatically lower the risk of diabetes complications. And also, there is another research in UK, the UK PDS study, and that study said they are A1C. Lowering A1C by just 1% can reduce overall mortality by 15% and microvascular complication by 37% so the roaring A1C is the goal of the treatment of the   Yeaseul Park  08:47 diabetes. So   Stacey Simms  08:48 when I think of at home diabetes tests, blood tests, seem like they're they're really sensitive, right? You have to be very careful with things like that, although we do, we did finger sticks at home for years and years. Are there challenges with at home A1C testing that that people like me could mess up,   Yeaseul Park  09:06 sure actually when I was doing pandemic outside system? So it's a new   Yeaseul Park  09:19 box of mustard with five or six needles inside, and we need to collect this blood to sound the left result. But then I really tried to collect the requirement matter blood, which is like it was like bleeding. Oh, it's not just retiring in one block, one drop of block, but it's like you need to try, yeah, many times, not just in one spot, to collapse in the block. And the other way you. Built female in, built a lot more broadly, to store your venous blood, and that's features like discomfort.   Stacey Simms  10:10 Would you mind taking us through your experience with the A1C testing? You were talking about how much blood it took? Yeah.   Yeaseul Park  10:17 So it, it requires many, many drops of blood. So I felt like it's like bleeding, and you make a lot of mess around the table. And so I felt, even though it's it was a topic time it was pandemic. So that's the only option I had at that time, but I wanted to make it simple and easier. And the other types of point of care devices only use a drop of blood still have some limitations, because we all don't want to bleed too much, so sometimes we try to finger stick very small and just squeeze to get enough blood. But if you squeeze to get enough sample volume, that's make your other liquid, like sweats, can also mix with your blood, and that actually affects the accuracy of the testing usually so many point of care devices also not recommend you to squeeze to get enough blood, so that means you need to treat a little too deep to get enough. So we really wanted to make this whole process or simpler and more problem.   Stacey Simms  11:43 Can you share a little bit about what the device looks like, what the patient experience is when they use it?   Speaker 1  11:48 Dr, CO, so our device is a palm size. Is in most like, like self, self poem, so it's a palm size device. So our device has no switch, but there is only a slider in the front of the device. So if you slide that, you can the device is turned on and you can insert the cartridge, and the cartridge is disposable cartridge. So after that, you just collect your blood and dilute it in the collecting tube and drop the sample into the cartridge, then analyze the A1C like automatically. So it's quite similar with the covid by covid test kit. So the covid test kit collect the sample in your nose and mix with the Rickett and drop it right? And it's quite similar.   Stacey Simms  12:45 So do you do a finger stick to put on the cartridge? How much blood to yells? Point, you know? How much blood do you need?   Speaker 1  12:52 Our devices for home use device, so it's quite we use a very different technology, because our device analyze the red blood cell one by one. So actually, we don't need exact unlike like five micro or 10 micro, we don't need the exact sample block. So we just need one drop of blood. So if the one drop is big, or if the one drop is right or small, it's fine for us. So one drop of blood, mix with their sample and drop one drop onto the cartridge. So maybe you can, you can drop one more than one drop, but we recommend one drop. So one drop of blood sample my dinner the rest yesterday pointed out that the skeezing the finger of blood is a problem for other device because, because in our body, there is a body wicked inside your under, under your skin. So if the body wicked is mixed with the blood samples, so it might be a problem because it dilute the blood sample. But our device, we analyze the Red Cross itself. So if it is diabetes, I think so we will find so you just puncture very best, and if you scale it, and it's totally fine for us. So it's, it's one of the good point of our device.   Yeaseul Park  14:20 How long does it take to get the results? It takes like, five minutes. Okay, yeah, and that's all at home. Yeah. Yezel, who do you see using this? Who is this for? Basically, it's for everyone. I think whoever has pre diabetes, diabetes type one, type two, and especially, I think who has limited access to primary care or lab testings. You know, many people who are older, tends to have more, especially the people who has limited access to primary care or lab testings. We believe this device can give more value to them. Yeah, and especially some people who have limited mobility, if they are older, or if they have experienced that amputation or something like that, they cannot go to the hospital by themselves. They need a caregivers to drive them to the hospital for the simple lab testing. But now I think it empowers patients who has that limitation still can take control their health by using this kind of home use device. How accurate   Stacey Simms  15:33 is it? I assume you have studies, and you've done some trials on how on the accuracy?   Yeaseul Park  15:37 Dr, CO, do you want to add that?   Speaker 1  15:40 Oh, yeah. So we are preparing the clinical trial. So the official clinical trials will be done within this year, but so that's our plan. But we we tested our device already using the in in last year. So last year, feasibility studies show that our device is quite similar with other point of care devices, and hopefully because at that time, our device, our especially our cartridge sensor, we just manufacturing our own like our in our lab. So this time, the official clinical trial in in this year, we are going to manufacturing in the factories so it might be more precise. So we hopefully we trying to chase the hospital accurate.   Stacey Simms  16:30 And I have to ask, where more and more people with diabetes are wearing a CGM and looking at time and range. What would you say to people who would tell you, well, we don't really need A1C anymore. We have time and range. Dr Cody, I see you nodding. Go ahead, yeah, yeah.   Speaker 1  16:47 So that's a very important point, but because the timing range is also important, and the CGM is very great technology for diabetes people. But problem is, like the A1C and C GM target different, like the CGM target the hypothesemia, but the A1C targeting the diabetes complications. So like, if you measure the timing range and you can manage your average glucose more nicely, but it might be prevent your hypothenia. But if you want to assess your diabetes management, you might be measure A1C. So if you measure timing range, but you also have to measure the A1C. So A1C is for everyone's and so. And also, the point is, if you don't treat the insulin, or if you don't treat the any medications, then you don't need to actually using the CGM, that's the ADH recommendation. So, but in in that case, you need the A1C as well. So A1C for everyone, and the CGM is for the people who treated the insulin. That's the ADA guide, right? And then,   Stacey Simms  18:12 yes, let me just ask you. You know, you came all this way. As you say, this is your third time at ADA. Trials are starting soon. What's your hope here? Is this something you see in homes of everyone who has any kind of diabetes? What's the big goal for Orange biomed?   Yeaseul Park  18:28 Every time we talk to a day, we can feel what's going on here in diabetes industry. It's a huge maybe first year, I the most frequently hard keyword was aid system. But after that, we now have GLP one, and now we hear more keyword around obesity. So that's a little slightly different trend I can feel. And once you come and join this full sessions, then I can see there's make everyone is making a progress, and we are all together. Want to fight against diabetes in their own way or with their own expertise, whether it's pharmaceutical, whether it's medical device or diabetes, sex, sometimes any other community programs that really support this patient and families, the community, and it's Really this whole atmosphere actually really motivates our team and myself, and we can feel the value. I can really feel this we are doing something valuable to patients and our community, and that's the most great thing, like the greatest thing that I can take when I come back to home with a. After the ADA. And for sure, we want to have opportunity to make voice what we are doing at Orange biomed, and want to deliver this value to the patient and other healthcare professionals. Otherwise, even though we are working hard to make this progress, no one knows, and that makes any changes the world. So that's the important purpose we are coming here. That's great.   Stacey Simms  20:30 Janice, before I let you all go, I know you wanted to talk about an event you've got coming up in Chicago. Can you tell me a little   Janice Dru-Bennett  20:37 bit about that? Yes, we're really excited for Orange biomed to be hosting the first map your health event, a local event here in Chicago, we have done a solving healthcare challenges webinar to announce our map your health campaign, which is, monitor your A1C, monitor your health and then adapt your treatment and prevent chronic disease. And we're actually going to be hosting on August 16, from 10am to 3pm in Chicago at their humble Park, Health Wellness Center, the first local event, inviting all local partners. We'll have some virtual sessions, showcase with yoga or ask the endocrinologist. So we'll have a very exciting agenda that both virtual and on site participants can join in, eat healthy foods. See, see what's in Chicago from a screenings perspective, and really get people motivated to map your health. So hashtag, map your health. Tell your your your health story, and let's get everyone, um, healthier. Wow.   Stacey Simms  21:35 Okay, fantastic. Well, yes, I'll park Dr co Janice, thank you so much for joining me. Have a terrific show. I know this is an audio podcast, but especially behind you. Yassil, it has been wild to watch the construction guys are going by and motorized carts and things are going up behind you. So have a wonderful ADA. Keep us posted, and we'll get the word out about your event in August and going forward. Thanks so much for joining me.   more information in the show notes about the studies and about orange biomed. You can sign up for alerts and emails from them as their product moves forward. So if you're interested, definitely check that out. Thank you to my editor, John Bukenis from audio editing solutions, thank you so much for listening. I'm Stacey Simms. I'll see you back here soon. Until then, be kind to yourself.   Benny  22:30 Diabetes Connections is a production of Stacey Simms media. All Rights Reserved, all wrongs avenged.    

JP Dinnell sits down with former Navy SEAL teammate and Veteran of the Battle of Ramadi, Andrew Paul.  JP and Andrew talk about the Battle of Ramadi, BUD/s, working for Jocko in Task Unit Bruiser, and how Echelon Front brings battlefield lessons to the boardroom and the home.  Get your free training from First In Nutrition: https://www.firstinnutrition.com/jppod More from JP Dinnell: https://www.jpdinnell.com/ Join the conversation on instagram Andrew Paul: http://instagram.com/theandrewmpaul JP Dinnell: http://instagram.com/jpdinnell/ Lucas Pinckard: https://www.instagram.com/lucaspinckard Bruiser Arms: https://www.instagram.com/bruiserarms Echelon Front: https://echelonfront.com/ Little Cattle Co: http://littlecattle.co On The Path Printing: https://www.instagram.com/onthepathprinting JP Dinnell is a former U.S. Navy SEAL and now a Leadership Instructor, Speaker and Strategic Advisor with Echelon Front, where he serves as Director of Experiential Leadership Training Programs. J.P. is also a pro team athlete and spokesperson for Origin Maine and Jocko Fuel, an American clothing and supplement company. J.P. has a signature Energy Drink flavor "Sour Apple Sniper" with Jocko Fuel. Jeremiah spent nearly a decade in the SEAL Teams with three combat deployments. Sent to the violent terrorist stronghold of Ar Ramadi, Iraq in 2006 with SEAL Team Three's Task Unit Bruiser, J.P. served as point man, machine gunner, and lead sniper for Delta Platoon opposite the American Sniper, Chris Kyle, who was in Charlie Platoon. For his leadership and courage under fire, JP was awarded a Silver Star, 2 Bronze Stars with Valor and the Army Commendation Medal with Valor helping Task Unit Bruiser to become the most highly decorated special operations unit of the Iraq War. He worked closely with SEAL Officers Jocko Willink, his Task Unit Commander, and Leif Babin, and was the driving force on many of the daring combat operations Jocko and Leif wrote about in Extreme Ownership. Upon his return, J.P. again worked directly for Jocko as a training instructor at Naval Special Warfare Group One Training Detachment, where he orchestrated realistic and challenging training scenarios for Special Operations Urban Combat training and Close Quarters Combat training to better prepare SEAL units for the real-world battlefield. He also served as a Combatives Instructor, Marksmanship Instructor and earned his Master Trainer Specialist qualification while helping Jocko rebuild and enhance these training programs into the highly effective platforms they are today. J.P. brings exceptional experience and frontline leadership perspective from the winning mindset and culture of Task Unit Bruiser.

Whitney Stropp is a podcast host, comedian, writer, and speaker, and the co-creator of Every Widow Thing, a show that has become a lifeline for people navigating grief, loss, and identity after the death of a spouse. She's also my co-host on our new podcast Anything But Mid, where we're rethinking midlife without the pressure to fix, optimize, or pretend everything is fine.In this conversation, Whitney and I talk honestly about grief, midlife, menopause, reinvention, and the unexpected role humor plays in surviving hard seasons. Whitney shares how losing her husband reshaped her worldview, why grief is not linear, and how laughter became both a coping mechanism and a bridge back to life.We also get real about the overwhelm of midlife wellness trends, the pressure to “optimize everything,” the fear of aging, and why this season can actually be the most expansive chapter yet. This episode is funny, raw, comforting, and deeply human — like a conversation you'd have with a close friend after the holidays when real life sets back in.What we talk about:Navigating grief without a “right” way to do itWhy humor can coexist with deep painReinventing yourself in midlifeThe freedom that comes with empty nesting and identity shiftsMenopause, brain fog, and body changes — without shameLetting go of the pressure to optimize everythingWhy “Anything But Mid” is about permission, not perfectionGratitude, perspective, and choosing the next chapter consciouslyPlease remember to rate, review, and follow the show – and share with a friend!Check out our new Comedy Wellness Podcast: Anything But Mid, cohosted with Whitney Stropp:https://podcasts.apple.com/us/podcast/anything-but-mid/id1849386215https://www.youtube.com/@AnythingButMidFind Amy's affiliates and discount codes: https://amyedwards.info/affiliatepageSky Rock Sedona: https://www.skyrocksedona.com/20% Discount Link:https://www.marriott.com/event-reservations/reservation-link.mi?id=1759866624184&key=CORP&app=resvlinkAll links: ⁠⁠⁠amyedwards.info⁠⁠⁠Instagram: ⁠⁠⁠@realamyedwards⁠⁠⁠Fight For Her: ⁠⁠⁠fightforher.net⁠⁠⁠TikTok:⁠⁠⁠ @themagicbabe⁠⁠⁠YouTube: ⁠⁠⁠YouTube Channel⁠⁠⁠Podcast: ⁠⁠⁠The Amy Edwards Show Podcast⁠⁠⁠Free Course:⁠⁠⁠ The Ageless Mindset⁠⁠⁠Full Course: ⁠⁠⁠The Youthfulness Hack⁠⁠⁠Work with Amy:⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Book a Call⁠⁠⁠ Let's get you to your HAPPIEST and most RADIANT! Book a call to apply to work together one-on-one: ⁠https://amyedwards.as.me/15mincall⁠Amy's hair by ⁠https://www.thecollectiveatx.com⁠Podcast editing by https://podcastmagician.com/Get my FREE course "The Ageless Mindset: The Ultimate Guide to Look Younger and Feel Happier!" HERE: ⁠https://best-you-life.teachable.com/p/the-ageless-mindset-the-ultimate-guide-to-look-younger-feel-happier⁠Get the full course “The Youthfulness Hack: The Secret System to Reverse Aging Fast and Create a New, Radiant You!” Out now! ⁠https://best-you-life.teachable.com/p/the-youthfulness-hack⁠

Angela talks to Dr. Ash Kapoor, a longevity specialist and cellular health expert, who shares his approach to health that focuses on understanding and addressing the root causes of disease and aging, particularly through the lens of the 12 Hallmarks of Aging.  Dr. Kapoor talks about the fact that true longevity is not just about extending lifespan, but about maximising independence, purposefulness, and fulfilment, explaining that modern stress depletes the body's primary energy source (ATP), forcing it to steal from the immune, hormonal, and nervous systems KEY TAKEAWAYS: Longevity Redefined: True longevity is defined not merely by living longer, but by being independent, purposeful, and pursuing fulfilment until an achievable age of 123. The Root Cause of Decline: All 126,000 known diseases can be traced back to the 12 Hallmarks of Aging, a breakdown in the body's cellular systems that is often driven by chronic modern stress A Strategy for Optimisation: Dr. Kapoor's approach involves a multi-stage strategy of detoxifying (cleaning the liver and gut), repairing (restoring hormones and nutrients, and re-establishing circadian rhythm), and renewing the body's cellular environment The Power of Inner Energy: The core problem is operating on stress-based energy (like cortisol and immune/hormonal reserves) instead of the primary mitochondrial energy (ATP) TIMESTAMPS AND KEY TOPICS: 0:01:25: Defining Longevity: What true "living" means beyond just existing. 0:03:00: The Science of the 12 Hallmarks of Aging and the control we have over them. 0:08:48: The link between the external world (success) and internal depletion (energy crash). 0:18:25: The fundamental strategy: Detox, Repair, and Renew in the correct order. 0:25:05: Understanding hormone depletion: Why the body "steals" hormones and the concept of "restorative hormone therapy." VALUABLE RESOURCES ⁠Join The High Performance Health Community⁠ ⁠Click here⁠ for discounts on all the products I personally use and recommend A BIG thank you to our sponsors who make the show possible Ozlo Sleepbuds® – Fall asleep faster and stay asleep longer | Use code ANGELA at https://ozlosleep.com/angela  for your exclusive discount.•  Go to https://lvluphealth.com/angela  Use code ANGELA for an exclusive 15% off Reverse your biological age in 2026 - join Live Younger, Angela's longevity membership for women.  Click here and use code “VIP” for 30% off. ABOUT THE HOST Angela Foster is an award winning Nutritionist, Health & Performance Coach, Speaker and Host of the High Performance Health podcast. A former Corporate lawyer turned industry leader in biohacking and health optimisation for women, Angela has been featured in various media including Huff Post, Runners world, The Health Optimisation Summit, BrainTap, The Women's Biohacking Conference, Livestrong & Natural Health Magazine. Angela is the creator of BioSyncing®️ a blueprint for ambitious entrepreneurial women to biohack their health so they can 10X how they show up in their business and their family without burning out. CONTACT DETAILS ⁠Instagram⁠ ⁠Facebook⁠ ⁠LinkedIn⁠ Disclaimer: The High Performance Health Podcast is for general information purposes only and do not constitute the practice of professional or coaching advice and no client relationship is formed. The use of information on this podcast, or materials linked from this podcast is at the user's own risk. The content of this podcast is not intended to be a substitute for medical or other professional advice, diagnosis, or treatment. Users should seek the assistance of their medical doctor or other health care professional for before taking any steps to implement any of the items discussed in this podcast. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

A new MP3 sermon from Sovereign Outreach 4 Grace is now available on SermonAudio with the following details: Title: Standing and Singing with the Saints Subtitle: Friday - 2011 Devotional Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Sovereign Outreach 4 Grace Event: Devotional Date: 7/8/2011 Bible: Colossians 3:16 Length: 2 min.

If you are on the phone with someone - what is the proper etiquette in telling them that they have someone else listening on the call?

Our guest this week is John O'Leary of St. Louis MO who is a motivational speaker, bestselling author, host of the Live Inspired Podcast, the subject of the recently released major motion picture SOUL ON FIRE and perhaps most importantly, the father of four children.John and his wife, Beth, have married for 22 years and are the proud parents of four children ages 14 to 20.At age nine, John was badly burned in a horrific gasoline fire, leaving him with third-degree burns on more than 80% of his body.  Given less than 1/2 of 1% chance of survival, he somehow beat the odds. Central to John's story is the role Jack Buck, the iconic St. Louis Cardinals sportscaster, played in John's life. After graduating from St. Louis University and a 15 year career in real estate, John became a motivational speaker and two-time best selling author of the books: On Fire: The 7 Choices to Ignite a Radically Inspired LifeIn  Awe: Rediscover Your Childlike Wonder to Unleash Inspiration, Meaning, and JoyThe theatrical release of the movie Soul On Fire took place in October 2025, which is an inspiring true story about John, who survives a devastating childhood burn accident and transforms unimaginable suffering into a life of gratitude, resilience, and purpose—showing how hope, faith, and human connection can triumph over tragedy.  The movie is now streaming on: Prime Video, Apple TV, YouTube and elsewhere.  This is Part 1 of the interview with John O'Leary, a story about faith, family and perseverance, on this episode of the SFN Dad to Dad Podcast.Show Notes - Email – jo@johnolearyinspires.comLinkedIn –  https://www.linkedin.com/in/john-o-leary-08b2805/Website -  https://johnolearyinspires.com/Book - On Fire: The Seven Chocies To Ignite A Radically Ispired Life - https://tinyurl.com/vn5d733u Book - In Awe: Rediscover Your Childlike Wonder to Unleash Inspiration, Meaning, and Joy - https://tinyurl.com/4h4duvjtMovie - Soul On Fire Trailer -  https://www.youtube.com/watch?v=CslVGLETWpsSpecial Fathers Network -SFN is a dad to dad mentoring program for fathers raising children with special needs. Many of the 800+ SFN Mentor Fathers, who are raising kids with special needs, have said: "I wish there was something like this when we first received our child's diagnosis. I felt so isolated.  There was no one within my family, at work, at church or within my friend group who understood or could relate to what I was going through."SFN Mentor Fathers share their experiences with younger dads closer to the beginning of their journey raising a child with the same or similar special needs. The SFN Mentor Fathers do NOT offer legal or medical advice, that is what lawyers and doctors do. They simply share their experiences and how they have made the most of challenging situations.Check out the 21CD YouTube Channel with dozens of videos on topics relevant to dads raising children with special needs - https://www.youtube.com/channel/UCzDFCvQimWNEb158ll6Q4cA/videosPlease support the SFN. Click here to donate: https://21stcenturydads.org/donate/Special Fathers Network: https://21stcenturydads.org/  SFN Mastermind Group - https://21stcenturydads.org/sfn-mastermind-group/

In this special compilation episode of the Hope + Help Podcast, recorded live at IBCD's 2025 Summer Institute, Christine Chappell brings together voices from across the conference to reflect on the meaning and practice of wise counsel according to the Scriptures. Through conversations with Jim Newheiser, Scott Mehl, Joe Keller, Shannon McCoy, Brian Borgman, Don Roy, Lauren Sterling, Paul Tautges, and Tim St. John, this episode explores how biblical wisdom is grounded in the fear of the Lord, shaped by gentleness and patience, and lived out in everyday care and discipleship. From theological foundations to personal growth and encouragement for counselors, these reflections invite listeners to pursue Christ-centered wisdom that honors God and lovingly serves others in the context of the local church. View the full show notes & links for this episode: https://ibcd.org/wise-counsel-2025-speakers The Hope + Help Podcast offers biblical conversations about life's challenging problems. The podcast accomplishes this by offering a mix of interviews with seasoned biblical counseling professionals and ministry leaders on a variety of topics. Hosted by Christine Chappell. To learn more about the show and to access helpful resources, visit ibcd.org/hopeandhelp. Connect with host Christine Chappell at https://christinemchappell.com. IBCD's Hope + Help Podcast is available on most podcast streaming platforms, so please don't keep the show a secret! If you know someone walking through a challenging season of life, please share the Hope + Help Podcast with them.

In this Episode:Why The Coming of The Messiah is Credibly Historic... Diocesan Staff Apologist and Speaker for Catholic Answers, Dr. Karlo Broussard, explains the Why's behind Catholic Beliefs from Faith, Morality, and Culture. Providing the Reasons behind the claims made by the Catholic Church. Send your questions to...Karlo@stmichaelradio.comA Production of St. Michael Catholic RadioThe Catholic Reason Airs Every Thursday on 94.9 St Michael Catholic Radio at 4 p.m. CST.

A new MP3 sermon from Generations Radio is now available on SermonAudio with the following details: Title: Starting a Family Business: The Risks and Rewards of Entrepreneurial Discipleship Speaker: Kevin Swanson Broadcaster: Generations Radio Event: Radio Broadcast Date: 12/26/2025 Length: 42 min.

A new MP3 sermon from Grace Reformed Baptist of Pine Bush is now available on SermonAudio with the following details: Title: Mary and The Shepherds Subtitle: Advent 2025 Speaker: Paul Gordon Broadcaster: Grace Reformed Baptist of Pine Bush Event: Special Meeting Date: 12/25/2025 Bible: Luke 2:8-20 Length: 36 min.

A new MP3 sermon from Sovereign Outreach 4 Grace is now available on SermonAudio with the following details: Title: His Ear is Open to Our Cry Subtitle: Friday - 2011 Devotional Speaker: Jeremy Walker Broadcaster: Sovereign Outreach 4 Grace Event: Devotional Date: 8/19/2011 Length: 1 min.

Today's Masked Speaker found a way to make money that's not exactly legal...And now he's worried the FBI might come for him!See omnystudio.com/listener for privacy information.

Let's talk about why the GOP isn't ousting Speaker Johnson....

Christmas Eve Show of the Epic NFL Clashes: NFC North Showdown and Playoff Picture — The episode kicks off with a poetic introduction to the fierce Christmas Eve divisional clashes in the NFC North, featuring the Bears, Lions, Packers, and Vikings. The hosts from the Frustrated Chicago Sports Fan Channel, Vikings 1st & SKOL, and Bleachers to Speakers discuss the week's upcoming games, key player performances, and playoff scenarios. Key topics include injury updates, strategic matchups, and game predictions. Additionally, there's a discussion about the Lions' divisional game against the Vikings, highlighting player injuries and team strategies. The episode concludes with insights into the Bears vs. 49ers clash and a note on the impactful officiating crew for that game. The hosts also share their holiday well-wishes and emphasize the importance of supporting their shows on the Fans First Sports Network. 00:00 NFC North Christmas Eve Showdown 01:54 Welcome to the Roundup Show 02:00 Chicago Sports Fan Channel Introductions 04:01 Holiday Hot Takes and Movie Debates 06:35 Bears vs Packers: A Pre-Christmas Miracle 13:45 Lions' Playoff Hopes and Controversial Calls 24:06 DK Metcalf Incident and Professionalism in Sports 29:17 Season Overview and Current Standing 29:43 Key Game Against the Giants 30:33 JJ McCarthy's Injury Woes 33:23 Ryan Kelly's Concussion Issues 35:19 Upcoming Game Against the Lions 36:33 Vikings' Playoff Hopes 38:16 Quarterback Controversy and Future Plans 40:15 Lions vs. Vikings: Christmas Showdown 46:02 Injury Concerns and Game Predictions 53:47 Final Thoughts and Sign-Off FAN WITH US!!!  Follow us on Twitter ✖️ for more updates… Pay @TheRealPayday, host of Frustrated Chicago Sports Fan Channel, June @asgjune & M Foster @Mbrfosterchild, hosts of the Bleachers To Speakers [Lions] podcast, and Dave Stefano @Luft_Krigare, from @Vikings1stSKOL. This has been a joint podcast production partnered with Fans First Sports Network @FansFirstSN. ⭐️ Subscribe to us here! - Vikings 1st & SKOL, https://www.youtube.com/@vikings1stskol92 ⭐️ and here - Bleachers to Speakers, https://www.youtube.com/@BleachersToSpeakers-yq8tm ⭐️ and here - Frustrated Chicago Sports Fan, https://www.youtube.com/@FrustratedChicago ⭐️ V1&S on X can be found at @Vikings1stSKOL ⭐️ V1&S Discord at https://discord.com/invite/493z6mQXcN ⭐️ At Fans First Sports Network - https://www.ffsn.app/teams/minnesota-vikings/ ⭐️ Catch it here: https://youtu.be/6fB_L8KOUqE Learn more about your ad choices. Visit megaphone.fm/adchoices

A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: Advent Traditions, Anti-Reformed Rants and Arguments Subtitle: The Dividing Line 2025 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Podcast Date: 12/23/2025 Length: 68 min.

  I'm done, y'all. It's time to drop the idea that you have imposter syndrome for good. In this episode, I'm not helping you "fix" imposter syndrome. I'm helping you challenge and discard the entire idea. You'll learn where this concept came from, why it doesn't serve you, and how to understand your feelings without pathologizing your humanity. We explore: The real definition of "imposter" (and why it's NOT you) How your environment might actually be the culprit The history behind the "imposter syndrome" label Inner Blocks (GAILs) and how to reframe your emotional experience Five powerful reframes to replace this limiting narrative You're not an imposter. You don't have a syndrome. You're a human with gifts meant for service and this episode will show you how to come back to that truth. About: The Reframe to Create podcast is hosted by Joy Spencer, an Executive Leadership and Storytelling Coach, Speaker, and Organizational Development Consultant working with professionals and leaders at all levels within organizations.  Joy leverages over 17 years of experience she gained while working to champion change in social justice movements, including those related to global access to essential medicines and consumer advocacy for online privacy.  This work required a dogged commitment to not merely challenging the status quo, but to reimagining and working towards creating an ideal future.  It is this commitment to creating that has shaped Joy's coaching philosophy and approach today. Using her signature C.R.E.A.T.E. framework, Joy guides her clients through a process to become incomparable in work so they can get paid to be themselves.   Follow Joy on LinkedIn  - https://www.linkedin.com/in/joy-spencer/

Jesus commanded us to love our enemies, but what does that look like? Most people can’t imagine, and even fewer do. Christians must…

After nearly 200,000 cold calls and a million auto-dialer calls, Stephen Oommen discovered something shocking: 98% of his revenue came from warm referrals. Today, he breaks down how sellers can turn relationships into predictable growth. In this episode, host Lyndsay Dowd sits down with Stephen Oommen, a 25-year go-to-market veteran, speaker, and author of the upcoming book The Referral Effect. Stephen shares why nearly 98% of his business revenue came from warm referrals, despite making hundreds of thousands of cold calls throughout his career. Stephen opens up about growing up as the child of immigrants in Oklahoma, navigating an identity crisis that ultimately became his superpower—the Chameleon Effect—his ability to adapt, connect, and create trust across any environment. That skill later became the foundation for his referral-based sales methodology. You'll learn: - Why executives don't respond to cold outreach—and what they do respond to - How to close the trust gap by scaling warm referrals - The "Magic Networking Question" that instantly upgrades your network - The 99 and 1 Principle for managing energy in sales and relationships - How leaders can balance intensity, kindness, and long-term legacy If you're a B2B seller, founder, GTM leader, or executive tired of low-yield outreach, this conversation will challenge how you think about networking, sales culture, and growth.

    Timestamps
 00:00 – Introduction: Stephen Oommen, the Truth Teller.
 02:22 – Stephen's Origin Story: From Bankruptcy to Corporate Success.
 04:48 – The Chameleon Effect: Turning Identity Crisis into a Superpower.
 10:39 – Cold Calls vs. Warm Referrals: The Efficiency vs. Effectiveness Debate.
16:54 – How to Start Networking: Nurturing and Activating Relationships.
 19:16 – The Live Exercise: Asking the Right Questions to Build a Network.
 22:50 – Using Qualifiers: Geography, Industry, and Title.
 26:08 – The 99 and 1 Principle: Managing Energy in Sales.
 30:04 – What Inspires Stephen: Growth, Contribution, and Laughter.
 32:38 – Legacy: Kindness Character vs. Intense Personality.
 35:00 – What's Next: Speaking Tours and The Referral Effect.

    About the Guest Stephen Oommen is a 25-year go-to-market veteran with experience spanning frontline sales to executive leadership. He has worked with startups and global enterprises including Microsoft, ADP, and Citibank. Stephen is the only speaker and trainer dedicated to helping B2B sellers solve the biggest challenge in modern sales: lack of access to decision makers. His work focuses on closing the trust gap by scaling the most successful method known—warm referrals. A successful entrepreneur and W2 employee ("entreployee"), Stephen has retired from corporate twice, paid off hundreds of thousands in non-mortgage debt, and is currently writing his book The Referral Effect. He believes legacy is built at the intersection of kindness, generosity, and laughter.  Connect with Stephen LinkedIn: https://www.linkedin.com/in/stephenoommen/

    About the Host – Lyndsay Dowd is a Speaker, Founder, Author, Coach, Podcast Host—and unapologetic Disruptor. With 30 years of leadership experience, including 23 at IBM, she's built and led high-performing teams that consistently delivered results. She also served as a Guest Lecturer at Harvard University, sharing her insights on modern leadership and culture transformation. 

 As the founder of Heartbeat for Hire, Lyndsay helps companies ditch toxic leadership and build irresistible cultures that drive performance, retention, and impact. She's been featured in Fortune Magazine, HR.com, ABC, NBC, FOX, CBS, and over 100 podcasts. 

   Lyndsay is a two-time best selling author of Top Down Culture and Voices of Women, and the host of the globally ranked and 2X awarded Heartbeat for Hire podcast—sitting in the top 2.5% worldwide. She is also the host of a weekly live show called THE LEADERSHIP LOUNGE. Lyndsay is a frequent speaker, moderator, and guest, known for her candor, humor, and ability to spark action.
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 If you are looking for an amazing gift or a way to treat yourself, Go to https://cozyearth.com/ and use the code LEADWITHHEART and get 41% off. It's the deepest discount you will find anywhere and I get commission too! This brand has been on Oprah's Favorite Things 9 times!! Happy Shopping! 
   
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It's the final episode of the year, and with Patch 7.4 released we're ready to give you our full breakdown and review of both the MSQ and Arcadion. We also discuss the many issues that came with the patch, the new limited time optional items, and our review of Starlight 2025! Speakers will be back on January 3rd 2026 live, and on January 7th on demand. Thank you for watching us throughout 2025! From all of us as Speakers Network - have a merry Christmas, happy holidays, and a happy new year! See you in 2026!MogMail: https://speakersxiv.com/mogmail/► Patreon: https://www.patreon.com/SpeakersXIV ► Become a Speakers YT Member: https://www.youtube.com/channel/UC2BQVHKP5x3Cs62MB0DF5EQ/join ► Merchandise: https://speakersxiv-shop.fourthwall.com/ ► Follow us on Bluesky: https://bsky.app/profile/speakersxiv.bsky.social ► Catch us LIVE on Twitch: http://www.twitch.tv/SpeakersXIV ► Speakers Discord: https://discord.gg/ATBUccS

Today's Masked Speaker says her company does an annual secret Santa gift exchange, and when she drew the name of the one person she can't stand at work, she decided to give him a gift he'd never forget...See omnystudio.com/listener for privacy information.

MeidasTouch host Ben Meiselas reports on Republicans going after each other at a truly deranged Turning Points USA Event in Phoenix, Arizona this weekend. Take advantage of Ridge's Biggest Sale of the Year and GET UP TO 47% Off  by going to https://www.Ridge.com/MEIDAS #Ridgepod Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Michael Cohen breaks down the complete meltdown at Turning Point USA as MAGA leaders and influencers turned on each other in full public view. What was supposed to be a show of Republican strength instead exposed a party consumed by infighting, grievance politics, and chaos—just as Trump pushed the country closer to conflict abroad. Subscribe to Michael's Substack: https://therealmichaelcohen.substack.com/ Subscribe to Michael's YouTube Channel: @themichaelcohenshow Join us on Patreon: https://www.patreon.com/PoliticalBeatdown Add the Mea Culpa podcast feed: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen Add the Political Beatdown podcast feed: https://www.meidastouch.com/tag/political-beatdown Learn more about your ad choices. Visit megaphone.fm/adchoices

Keith discusses the Federal Trade Commission's (FTC) new regulations on rental pricing transparency, following a settlement with Greystar.  Legendary author, Doug Casey, joins the conversation to argue that the Federal Reserve is waging a quiet war on the middle class.  Casey explains that by creating trillions of new fiat dollars to push interest rates lower, the Fed fuels inflation, which erodes savings, distorts markets, and quietly reduces the average American's standard of living. He warns of an impending economic downturn due to inflation and government debt. Resources: Find the FTC article here. Visit internationalman.com to read Doug Casey's weekly articles and watch his "Doug Casey's Take" videos on YouTube. Episode Page: GetRichEducation.com/585 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the Fed keeps escalating their quiet war against the middle class. I'm talking about it with one of the most influential financial figures of the past century. Today, also what the recent FTC decision on rents means to real estate on get rich education.   Speaker 1  0:25   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 rights 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  1:11   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  1:27   Welcome to GRE I'm your host. Keith Weinhold, let's get right into it, as there's a lot to cover here on our last big show before Christmas. Briefly before we get to the Fed's quiet war against the middle class the Federal Trade Commission just fired off a warning shot to landlords, and here's the translation about what this means to you, advertise your real all in rent amount with mandatory fees included in that amount or expect company and by company, the FTC means attorneys, paperwork and a long headache, and I'll tell you why I think this is a good thing. But really, first what this is all about is that it stems from the antecedent settlement with the massive global real estate company greystar, about transparent pricing. You might know that greystar is the massive global real estate company. They specialize in rental housing. In fact, greystar is the largest apartment operator in the entire US. They're in about 250 markets. The FTC cracked down on greystars add on fees, those fees added on to the rent amount that aren't clear and transparent right from the beginning. Now, in their case, it's things like Package Concierge charges, valet, trash service fees and some of these other line items that magically appear after a renter has already emotionally moved into a unit. Now for your rentals, they might be other things like Pest Control fees, gym fees, pet fees, utility add ons and notice that I use the word might, because clarification is still being sought here, but suffice to say, the least that you should know is really three things, advertise a rental price that excludes mandatory charges and that could be a violation of the law. So then state the total cost of renting the unit up front, no fine print gymnastics. Secondly, do a compliance check. You need to review your ads to confirm that they honestly convey your rental unit's price. That includes working with third party marketing vendors like Zillow or Facebook marketplace to see if they accurately state the all in price, because if they understate the price, it's still your problem. And thirdly, know that the FTC is reviewing harmful practices in the rental housing market. They'll take action against landlords that try to hide mandatory fees, so no hide and seek. And the FTC resource is in our show notes, and I sent it to you in last week's newsletter as well, if you want to read it, all my take here is that this type of transparency is a good thing. I mean, come on, we all know how annoying it is if, say, an airline states like, Hey, we've got prices to this destination. You can fly there for as low as $200 Yeah, but what if it's a 28 hour, four layover journey to fly 300 miles? Okay? What about buying an event ticket to go to a music concert and say you've already got 10 minutes wrapped up in this, but they don't show you the final price with all the fees until you've already invested that 10 minutes a. Then you learn about this in your shopping cart. So that type of thing is deceptive, all right. Well, what this FTC case does is it eliminates that effect in the rental housing market. So if you're a landlord, your competitors shouldn't be able to advertise base rents minus fees against your unit that appears higher priced than it's really not. And then for renters, I mean, the clarity helps expedite their search process. So this lets good assets compete on real value, and that is good business. Now, as far as the Fed controlling the economy, Jerome Powell announced interest rate cuts both last year and some more again this year, and though the effect isn't immediate, mortgage rates do come down with them. Mortgage rates have also fallen this year because the yield spread premium is lower. And you know what the prevailing sentiment is among a lot of armchair economists, it is squarely this, you ain't seen nothing for cuts yet. People say, Oh, watch, once Trump gets his guy in there in May, meaning that's when the newly appointed Fed chair is in power. Oh, you're really going to see some giant rate cuts then, yeah. I mean, a lot of people talk about this like it's certainly coming. They say then the Fed funds rate is going to go way down, meaning mortgage rates are then going to go way down, meaning that home prices are therefore going to soar next year. Well, all that could happen, but it is nowhere close to the certainty camp for everything to respond exactly that way. As you know, as a listener here, paradoxically, mortgage rates have little to do with home prices. Look at history over hunches. In fact, it might be more likely that those things don't happen and don't all break exactly that way, then the probability that they do, and that quickly gets into conjecture territory. As we know, lowering rates is bad too, because it signals that a weak economy needs the help. Typically. What could be different this next time. Well, whether we're in a good or a bad economy, Trump still wants lower rates, and he really imposes his will on the situation.    Keith Weinhold  7:30   We're about to bring in the author of a new book called The preparation. It's about preparing for the economic future. A lot of the book is mostly for young men and their parents, but we'll speak to both females and males. Today is the middle class both worse off and in a way, better off today than they were a generation or two ago. Talk to your grandparents. They didn't pay for a college education. They didn't get one. They rarely ate out at restaurants. They didn't have a smartphone, which is now practically mandatory to even exist. Today, people are paying for all of that, so no wonder that prospective first time homebuyers almost seem to be going extinct. Let's meet this week's guest.   Keith Weinhold  8:21   Are we going to get a painful financial reset in the form of runaway inflation, a market crash or something else? We'll answer that before we're done today, the Fed is engaged in a quiet war against the middle class. They are going to create trillions more Fiat dollars to lower interest rates further and create inflation that's according to today's guest. He is the International man himself, a legendary and generationally popular author, and he does a lot more than that. He's back with us for a sobering look at this today. Hey, welcome in. Doug Casey,   Doug Casey  8:57   Thanks, Keith. It's nice to be here with you, although care for me is in Buenos Aires, Argentina, where I spend a good part of the year.   Keith Weinhold  9:05   Such a nice place, good year round weather. There. A piece you recently wrote is titled, The Fed's quiet war against the middle class. The Fed recently announced that they're stopping Qt, which basically means they're stopping the destruction of dollars and opening the floodgates to print dollars. You've been known to say that the level of interest rates is the most important single indicator of an economy, and the Fed has made several quarter point cuts over the last year plus, although the President is supposed to stay independent of Fed influence. Oh my gosh, he has been more vocal than any other president ever over how badly he wants low rates. What are your thoughts with regard to all this Doug?   Doug Casey  9:53   Well, the Fed, which most people have been taught to believe, is part of the cosmic firmament. Right? It should be abolished. It serves no useful purpose. The Fed is an engine of inflation. It's what creates Federal Reserve notes. It's an engine of inflation and purely destructive, and it's used by the government to finance itself. So that's the first thing I've got to say. And they don't know what interest rates should be. Neither does Trump neither does anybody else. That's for the market to determine right and interest rates are set by the amount of savings that's done by the people and the amount of borrowing that's done by other people. The problem is with the Fed printing up lots and lots of money, which they are through the banking system, it makes it rather foolish to be a saver. In other words, if you produce more than you consume, which is something everybody should do, you want to save the difference. That's how you become wealthy. But if they destroy the currency with inflation, it's pointless to save, and if there's no savings, there's no capital to lend. This is why we're sliding off a slippery slope in the direction of a third world country where there's no savings, where the money's no good, it's a real problem. I think the average American, despite increases in technology that we've benefited from over many years, the average American has found his standard of living go down a lot, and it's basically because of the destruction of the currency that makes it impossible for him to save and get ahead of things, and results in wild and crazy moves in the stock markets and the real estate markets and the interest rate markets, where things become unpredictable. So everybody's being turned into a speculator, whether they like it or not, and frankly, we're headed towards a real reckoning in the US and in the world generally. So my approach at this point is to hold on to your hat, because we're in for rough running in the years   Keith Weinhold  12:14   to come. To create low rates, the Fed basically needs to create trillions of new Fiat dollars. Tell us about how that works.   Doug Casey  12:25   Well, it's a question of the supply and demand of money. You've got two things happening. Number one, when the Fed has quantitative easing, as they call it, which basically means inflating the dollar. Quantitative easing, or QE is just a nice word for inflating the dollar. They're increasing the supply of dollars out there. You increase the supply of dollars, the price of money goes down in the short run, but in the long run, the value of the dollar also goes down. And nobody's going to lend money if they can't get more in interest than it's being depreciated at. So you've got these two forces fighting against each other making for an unstable system. That's why I say that look before 1933 and when Roosevelt took gold out of the dollar, or in fact, before 1913 when the Federal Reserve was created, before that, there was no central bank. There was no Federal Reserve in the US. Money was just a medium of exchange and a store of value. It wasn't a political commodity, which it is now. Today, everybody is looking at the government to do something to make a decision to raise rates. Some people want them higher or lower them. Some people want them lower. But this is for the market to decide. It shouldn't be a political decision.   Keith Weinhold  13:53   Low rates, which most think are coming, produce an inflationary environment, which then means that longer term, there need to be new higher rates in order to combat that.   Doug Casey  14:05   Well, what we've got is a situation where conflicting advice and beliefs are causing rates, and indeed, most of the economy, to go up and down like an elevator with a lunatic at the controls. And actually, that's a very good analogy.   Keith Weinhold  14:22   And low rates to your earlier point, Doug, they don't encourage anyone to save. And you know what? Government policy doesn't encourage anyone to save either in times of crisis, like, look what happened during covid. Oh my gosh, if these people can't go to work and generate an income, they don't have any savings, obviously. So then let's go ahead and intervene even more and send them stimulus checks, basically a bailout. So low rates discourage anyone from saving, but so does our policy, because every time there's a big catastrophe, oh, they just come in with a safety net anyway. That's Part. The reason why we have such a problem with capital formation of the average American today?   Doug Casey  15:04   Well, it's actually worse than that, because over generations, a lot of debt has built up in the country. In other words, to maintain your standard of living, a lot of people have borrowed. They've done this either by taking the savings of past generations and borrowing it or mortgaging their personal futures. Either way, look, if you and I went out and borrowed a million dollars today, we could raise our standard of living artificially, sure, for the next year, but at the end of that year, we have to pay back the million dollars to lost interest, and that artificial rise in our standard of living will result in a very real decline in our standard of living. And a great deal of the borrowing that's been done to stimulate the economy through the banking system is for consumption, not for production. In other words, a lot of the borrowing is not to create new technologies and new infrastructure and new capital goods to create more wealth. A lot of it's just stuff that you wind up. People are borrowing things to fill their basements and their garages with more junk, consumer borrowing, borrowing for vacations, borrowing for to go to music, shows, all kinds of things. This has become a habit in the US, right? So let's look. It's going to end very badly. It's going to end and is ending as we speak, actually, in what I call the greater depression. It's going to be what we're looking at here, largely because of monetary manipulation, but also because taxes have gone up, up, up, up from zero level. Basically, in 1913 there were no income taxes in the US, the US government lived exclusively on minimal tariffs and excise duties. But today, there's right and they're very high, high levels of inflation, high levels of borrowing. So I think we're coming to the end of the road, as far as that's concerned. And it's bad news. Of course, most of the real wealth in the world, when you have a financial collapse, when you have a depression, most of the real wealth still exists. It just changes ownership, that's all so you want to position yourself so that you're not too adversely affected by what's coming   Keith Weinhold  17:31   this inflation and more coming inflation pumping up the asset values of the asset owners and then ruining the lifestyles of those in the lower middle class and making them trend down lower since they spend a greater proportion of their income on everyday needs like clothing and food, which is a small proportion of people that are well off and the poor don't have the assets to benefit from that inflation. And you know, Doug, it wasn't until I read your recent article that I realized something that initially the fed only had one mandate, price stability, and then later they added that maximum employment was their second mandate. I didn't realize that. So really, it's been an expansion of what they're paying attention to, and a de facto expansion of their powers and influence and control.   Doug Casey  18:23   Well, actually, they have a third mandate now, which is to control long term interest rates, to prop up the mortgage market, to prop up the real estate market. Because, as you know, the real estate market floats on a sea of debt, and if you can't get a mortgage, if you can't borrow, you can't buy real estate, or, for that matter, you can't sell it. So this makes it a very unstable situation, and most people are unaware of the fact that before the last depression, the longest mortgage you could get was five years, and that was with a 20% down payment. So things have changed a lot since then, and the more debt you use to finance anything, the more unstable things become. And the fact that things have become so unstable, and the average guy's standard of living has been sinking, and he has more credit card debt, more mortgage debt, more automobile debt. Used to be paid cash for a car, then was financed for two years and five and seven, and then it was leased where you never even owned it. I mean, this is, this is a trend that's coming to an end at this point, so it's going to be quite a comeuppance for people.   Keith Weinhold  19:42   I think long term financing and the easing of getting financing makes the cost of anything higher. There's probably no greater example than that of what has happened with college tuition over the decades. But you know Doug, when we talk about this centrally planned economy. Rather than letting free market forces take over, I love it. I just absolutely love it when the answer to a problem is actually doing less than what you're currently doing, let go of the reins, rather than the Fed controlling interest rates. If there were a free market doing it, you would have bank loan rates that couldn't become too high, or else they wouldn't attract borrowers. So rates would naturally fall, and then you also couldn't have bank loan rates that are too low, because you've got to compensate the bank for bad borrower risk. So rates would come up, and they would find some natural level, kind of to the point that you made earlier. There would be a natural set point price discovery. That's how I think of a free market working for interest rates rather than announcements by a Fed chair.   Doug Casey  20:51   Well, you're right. The problem is that the high government officials, the elite, if you would, think they know best and try to manipulate things, but they don't know best, quite frankly. And one other comment that you made, which I think is very appropriate, is college tuitions. For years, I've recommended that young people forget about college. It's a huge misallocation of your time and money, you wind up studying things well after you are through partying and drinking and chasing the opposite sex, and the things you learn about have no practical application in the world. And I'm not talking about learning history and the classics and mathematics and science, okay? Those are valuable things. Most of what people are taking in college today are hobby subjects, if you would, or things that are fun to learn in your spare time, but you shouldn't burden yourself with a lifetime of debt to do those things and get a worthless degree. Everybody has a degree and with grade inflation, they're a waste of time. That's listen. That's why I wrote this book with Matt Smith. Is my podcast. It's called the preparation. It's on Amazon, and it explains talking about your standard of living, which is what this is all about, really, why it's foolish to go to college today and exactly what especially a young man should do, instead of misallocating The four most valuable vibrant years of his life, sitting behind a desk listening to Marxist leaning professors corrupt you with all kinds of really bad ideas. So that's why we wrote the preparation. And it tells young men exactly what they should do, instead of burdening themselves under hundreds of 1000s of dollars of debt, which can't be discharged and serves no useful purpose, what they've learned in exchange for it. So, I mean, this is one of the one of the things that people should be doing, but not enough are.   Keith Weinhold  23:07   AI changes things fast. I mean, for a four year college graduate today, what you learned as a freshman three or four years ago could quickly be outdated, and that effect just wasn't nearly as great as it was a few decades ago, but if you're listening in the audio only, Doug just held his book called The preparation, which he co authored with Matthew Smith. If this way of thinking resonates with you, here's some actionable things that you can actually do. You're listening to get rich education. Our guest is international man. Doug Casey, when we come back, I'm your host. Keith Weinhold   Keith Weinhold  23:41   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 one, 937, 795, 8989. Yep, text their freedom coach directly again. 1-937-795-8989   Keith Weinhold  24:52   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 420, Five, six, 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 Caeli Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com.    Robert Helms  25:23   Hi everybody. t's Robert Allens of the real estate guys radio program. So glad you found Keith Weinhold and get rich education. Don't quit your Daydream.   Keith Weinhold  25:34   Steve, welcome back to get rich Education. I'm your host, Keith Weinhold, we're talking with Doug Casey about how the Fed is quietly intervening and hollowing out the middle class when it comes to interest rates. Since you state about them being the most important indicator for an economy, I think a lot of people don't realize Doug, and maybe you run into this too, that interest rates are not high today. I mean, on the long run, the Fed funds rate averages 4.6% and today it's in the high threes. So they're not actually high today. But with all these crises where we had all this money printing in these low rates, they feel high, but they're not.   Doug Casey  26:22   Well, you're quite correct. The question is, at what rate is the dollar losing value? The official US government figures say, Well, I don't know what they say. They vary, and the numbers are jumbled. And I think the general price level in the US, if we were realistic, is going up well over 5% probably closer to 10% you can make that case. Yeah, I think so, because I'm talking to you now from Argentina and for years, the figures were notoriously and outrageously concocted, made up to make people think things weren't as bad as they are. And here in Argentina, we've just had a revolution, actually a peaceful revolution, with replacing the Peronist government with a man named Javier Malay. It's probably the most unusual and most important election, believe it or not, in world history, because Malay was elected here in Argentina on the platform of basically getting rid of the government disbanding it. In other words, Elon Musk's Doge, but on steroids times 10, and things have gotten a lot better here because of that. And it's too bad that Doge has been eliminated in the US, because a lot of people don't understand that the government doesn't really produce anything at all. All it does is take taxes from you and pass that money around to other people with a lot skimmed off the top to do things that entrepreneurs would probably, or certainly, I'd say, do by themselves, and they make it worse by printing up money to give to people to do those things, and borrowing money, which acts as an albatross around everybody's neck. So I'd make the case that I'm not promoting either the Republicans or the Democrats, I'd kind of say a pox on both their houses. They're just two sides of the same coin. What I think we ought to have is a much smaller, much much smaller government. But are we going to get one? No, we're not getting it right now, because I think a lot of people aren't aware of the fact that the government is running 2 trillion, $3 trillion per year deficits, and those deficits are going up, not down. So where's that money coming from? Well, most of it's being created out of thin air. It's being inflated through the banking system. So the prognosis is not terribly good. Now, along the way, of course, people have hid in real estate, made a lot of money in real estate. Real estate prices have gone up faster than retail inflation has gone up. Yeah, but I'm asking myself whether it's not possible that the real estate market could come unglued at this point, because it floats on a sea of debt. What do you think, Keith, do you have any fears about that?   Keith Weinhold  29:27   Homeowners are in great shape today. They have record equity positions. They're not going to walk away. Many of them are still locked into these really low mortgage rates, so they're in really good shape. This is something very different from the 2008 global financial crisis, when you had irresponsible borrowers that had negative equity positions and an oversupply of housing so they could move out and get something cheaper. Today, if you move out in the great situation that you're in with your low mortgage rate and a high equity position, you'd lose your high equity position and. Might have to go pay rent that's higher somewhere else, so I don't see a lot of real estate appreciation coming over the next year or two, but I don't see any impending crash, largely due to that condition, there's not distress in the market.   Doug Casey  30:17   Are you worried about the fact that most local and state governments are on the ragged edge of insolvency and might be raising their real estate taxes and of course, insurance costs seem to be going up a lot faster than most other costs as well. Right now, utility costs are relatively low because oil and gas prices are low, but that could change too. I mean, is there anything that could take the real estate train off the rails?   Keith Weinhold  30:47   Not that I see. In fact, real estate values have only fallen substantially one time since World War Two, and that was during the 2008 global financial crisis, when we had conditions that are largely the opposite today. That's back when we had an oversupply and an irresponsible borrower that had negative equity so they wanted to walk away, and that created the down drain. To your point, yes, I do see property taxes continuing to increase, but because values aren't increasing as much, they would have to increase the mill rate to get further increases, and then most of the big insurance increases, many feel they are done. They had to come up. Because with inflation, the replacement cost of a property, if you would have a loss, rose and increased that way. So because we're still supply challenge in a lot of places, I see prices holding up but not appreciating like 10% anytime soon, and that's due to an affordability constraint. I don't see how they could possibly do that. And when we talk about that average person Doug, that person trying to make their mortgage payments or their rent payments, I was talking on a recent episode about the K shaped economy, I think it's something that we often visualize in our mind. You see the upper branch of the K rising, the lower branch of the k falling, which is emblematic of this hollowing out of the middle class. But I recently saw it graphically represented, where you have the capital share of income going up for people over the decades. That used to be 5050, between capital share of income and labor share of income. Back 60 years ago, it was 5050, but now, with this K shaped divergence, one's capital share of income is about 57% today, and their labor share of income is only about 43% today. And it's kind of sad. I sort of hate to say it out loud, but it's like, hard work just does not pay off, like it used to. Much of this due to inflation pumping up asset values.   Doug Casey  32:52   Well, I understand what you're saying, and I think you're correct, because there's an old saw. They say the rich get richer while the poor get poorer, and that's kind of what this K shaped economy is telling us. You've got the super rich in the top 1% or 1/10 of 1% that are becoming Ultra double wealthy, and the guy at the bottom, well, his social security taxes have risen from almost nothing to 15% of his wages, and it's a real problem. And it's said that the members of Gen Z can't afford to buy a house today as well. So what do you do about this? Well, my suggestion is, if possible, you don't want to get a job working for somebody else. If at all possible, you've got to work for yourself as an entrepreneur. That's the first thing. It's very hard to get wealthy working for somebody else. The best is to work for yourself, but in order to do that, you have to train yourself with lots of skills and lots of knowledge. And I'm not sure if people are doing that to the degree they ought to either. So I don't know how this is going to end. And of course, you mentioned earlier, artificial intelligence and robotics are tied up hand in glove with artificial intelligence. It's clear that within five years, we'll have robots that may not look entirely like people, but can do almost anything that a human being can do, and this is going to put a lot of pressure on people that don't have special skills, especially with artificial intelligence being programmed into these super competent robots. So the whole world is changing right before our very eyes. Right now,   Keith Weinhold  34:39   when we talk about the middle class struggle. I probably follow the housing market more closely than you do. The NAR recently gave us the latest statistic. Two years ago, the average age of the first time homebuyer was aged 35 last year, it rose to 38 this year, it's now 40 just the average. Age of the first time homebuyer. So in high cost areas, that could very well be 45 I mean, people are getting gray hair before they make a down payment for this middle class that's trying to get into the ownership class.   Doug Casey  35:13   And the further back you go, the younger the age right people were buying houses at So, I mean, it used to be people would try to buy a house right out of school. Frankly, that's out of the question today.   Keith Weinhold  35:27   Yeah, I sure don't remember those days myself, but Yeah, it sure was substantially younger just a couple decades ago. Well, Doug, where are we going with all this? I mean, does a reset eventually happen with either runaway inflation? Do you think that happens first, or some sort of market crash, or is it something else? I mean, what cataclysmic act is likely to happen first?   Doug Casey  35:52   Well, look, I hate to be too gloom and doomy, because everybody, first of all, generally speaking, trends in motion stay in motion, and everything has been maybe gradually descending standard of living wise, but the economy's held together, and we haven't had any catastrophic collapse. Well, almost in 2008 and a couple other times, but I think we're headed for one. So what should you do about it? I would say, consume less if you possibly can, and save what you can, if possible, take a second job while it's still possible, to go out and get a second job or found an entrepreneurial activity so that if you lose your job, you've got a backup system. But with the changes in technology and of course, what's happening in robotics and AI are just part of it. You're not going to be able to rely on what you relied on in the past, because the world is changing very, very radically as far as real estate is concerned. Look, I actually own a lot of real estate, but, you know, I've come to the conclusion that at this point I want to treat my house and other real estate, basically as a not so much as an investment to make money, but to store value. That's right, a store of value where I can put some capital aside. I don't want to keep a lot of money in dollars. That doesn't mean I want debt either. That's risky. For many, many years, I've advocated and bought gold and silver because they are money in its most basic form, and it's worked out really well. I started buying gold at about $40 it's at about 4000 today, and I've always treated it, almost always, as a savings vehicle, not as a speculative vehicle, although, if I want to speculate, I speculate in mining stocks, which are a leveraged way of playing gold and silver, the most volatile class of securities on the planet, actually, and I understand that a lot of people today have Robin Hood accounts and are speculating on the stock market, desperately trying to stay ahead of currency debasement and somehow build a nest egg for themselves by speculating in the market. Generally, that's not a good formula for success you're playing against, you know, extremely smart and well capitalized and knowledgeable big boys, and the fact that everybody's doing it is also, in itself, a tip off to the fact the stock market could be at the tippy top right now, I kind of think it is a bubble in the tech stocks. It's tough, Keith, there's not a lot of places to run and hide at this point.   Keith Weinhold  38:39   Price to earnings ratios are really bloated in the s, p5, 100. I'd love to get your thought on this. Doug, if a person can get a 30 year mortgage rate for a rental property where the rent income meets or exceeds the expenses at a mortgage rate between six and 7% should they do that?   Doug Casey  38:57   Look, if you can cover your mortgage a fixed interest rate mortgage 30 years. One thing that you can almost plan your life around is that dollar is going to lose value every year. So the actual value of your debt, your mortgage, is going to go down every year, right? And presumably the rent that you can charge on your house is going to go up every year. So yep, doing it the way I think you're doing it is an excellent plan for slow and steady long term success. Yeah, it makes sense. You're right.   Keith Weinhold  39:30   We actually have some listener questions on the thing that you brought up, which I call inflation profiting when you borrow long term fixed interest rate debt and get to pay it back with more plentiful dollars down the road. Some people don't understand what you just explained. One way I brought it up with my listeners is we'll just look back 30 years ago, in 1995 the average home cost 130k an 80% loan would be 104k so here, 30 years later, that median home costs over 400 K, and you still just owe 104k on the loan. That's the benefit of what I call inflation, profiting on long term fixed interest rate debt. And of course, your tenant would have paid that down to zero as well. But that kind of makes the benefit be more apparent when we look back into the past 30 years. Well, Doug, as we're winding down here, you have any other thoughts about, just say, the average American out there, what they should do with the Fed behaving and controlling the economy like we do. We're talking about the average American, maybe someone with a mortgage, some rental properties, some savings, maybe a 401, K. How do these potential shifts in Fed policy translate into real life consequences and actions for them. Is there anything else?   Doug Casey  40:44   Well, look, don't count on some outside force to kiss everything and make it better. You've got to look out for number one. And as I said before, the way you do that is you should cut back your expenditures every way you can at this point and when you cut back your expenditures, save that money. Now, what do you do with the money that you save? It's not as easy making that recommendation as it was a few years ago, when I was recommending gold, when it was much cheaper than it is. Now it's at $4,000 now look, save money, get an extra job, earn money, cut back your consumption, learn some new skills, because we don't know how things are going to reorient with the immense advances being made through AI and robotics. That's just generalized advice, but that's all you can do, is well and buy real assets. Nothing wrong with buying a house the way you're talking about if you can buy it and the mortgage is cracked with rent. Eventually, I think we're going to see interest rates go back up to the levels that they were in the early 1980s people don't remember this, but the US government was paying 1518, even 20% for its money, and mortgages were, well, 15, 16% it's going to happen again. So I think if you can lock in a mortgage anywhere in here, on a good piece of real estate that covers the mortgage, that's simple, it's doable. Everybody should try to do it. In addition to the other things I mentioned    Keith Weinhold  42:20   in 1981 the 30 year fixed rate mortgage peaked at over 18% to our earlier point about the fact that mortgage rates are actually historically low now so are fed funds rates. Well, Doug, tell us one last time about your new book and then any other resources. If our audience wants to engage with you   Doug Casey  42:40   I do a blog will know who he is. We've had him here on the show twice, yeah, well, he writes there for us every week, and we've got great articles. That's number one. Number two, I do a podcast with Matt Smith every week called Doug Casey's take on youtube.com third, I urge everybody to get this book, which talks about, if you have a grandchild, a son, it talks about why you should not go to college and what you should do exactly instead of going to college. So that's another thing to do. And we have a newsletter that also covers mining stocks, which is where I'm concentrated in at the moment. They're very cheap, very volatile, and one of the few places in the market, and I hate to say this, that offer the potential of 10 to one or more returns in the near future. So I guess those are the areas where you can find out more about me.   Keith Weinhold  43:49   Again, the new book from Doug is called the preparation. It shows a compass on the cover, and then internationalmen.com. Is actually where Doug wrote a piece called The Fed's quiet war against the middle class, which spawned this very conversation right here. Doug, it's been valuable as always. Thanks so much for coming back onto the show.   Doug Casey  44:08   My pleasure. Keith, thank you.   Keith Weinhold  44:16   Yeah, real estate is positioned for price stability. I was actually investing directly in real estate through the 2008 global financial crisis, and I know what happened is that people walked away from properties when the economy got rough and they couldn't make their payments. It is almost impossible for that to happen today. Homeowners can make their payments. Look through Census Bureau data in realtor.com we know a couple things here. Four in 10 homeowners have no mortgage at all. They own the property free and clear. And then among that group with mortgages, 70% of those borrowers still have a mortgage rate locked in at. Under 5% yes, still today I'll amalgamate those for you. This means that 82% of borrowers either have no mortgage or they have a rate under 5% so that is really affordable payments, along with the protective equity and inflation can't touch that principal and interest amount in addition to real estate, Doug Casey is a longtime gold and silver guy. Of course, both of those have sort to fantastic new all time highs this year.    Keith Weinhold  45:34   Merry Christmas and Happy Holidays from me and everyone here at GRE. Next week is another big one. You'll get GRE home price appreciation forecast for next year to the exact percent. I'm Keith Weinhold. Don't quit you daydream.   Speaker 3  45:53   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  46:21   The preceding program was brought to you by your home for wealth building, get richeducation.com