Podcasts about Talk

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Play Episode Listen Later Dec 23, 2025 84:22

Epstein Files Further Expose CIA Ties, Show Deceased Pedo Posing With Young Children

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Handel on the News

Bill Handel on Demand

Play Episode Listen Later Dec 23, 2025 28:21 Transcription Available

(December 23,2025) Amy King joins Bill for Handel on the News. Evacuation warnings issued for Los Angeles burn areas ahead of holiday storm. Justice Department releases additional documents from Epstein files. Paramount’s new offer for Warner Bros. is not sufficient, major investor says. Crash on Los Angeles-area highway claims life of Call of Duty co-creator.See omnystudio.com/listener for privacy information.

EP 175 \ A Drama-Free Christmas: 3 Tips for Peaceful Conversations Without Compromising Convictions

YOUR BIRTH, GODâ€™S WAY - Christian Pregnancy, Natural Birth, Postpartum, Breastfeeding Help

Play Episode Listen Later Dec 23, 2025 18:38

SHOW NOTES: The holidays can be hard when you're committed to caring for your health—and the people you love don't share the same convictions. In this short episode, I'm sharing three simple, Scripture-rooted tips to help health-conscious Christian women navigate family gatherings with peace, confidence, and grace—without debates, explanations, or awkward tension. We'll talk about: How to influence without lecturing Why testimony is more powerful than nutrition arguments How to honor your body and your relationships Letting go of the pressure to “convert” anyone This episode is for the woman who wants to steward her health faithfully while keeping the holidays relationally whole. Holiday Script Cheat Sheet HERE - https://www.morriswellnessservices.com/holidayscriptcheatsheet Get on the Verity Village Waiting List -- LAST CHANCE -- https://www.morriswellnessservices.com/villagewaiting Apply for your Foundation Call to see if 1:1 coaching is a good fit for you at https://www.morriswellnessservices.com/application This is the newly rebranded podcast, formerly known as "Your Birth, God's Way". If you are pregnant, please look back on your podcast app for over 140 episodes dealing exclusively with pregnancy topics! Helpful Links: — BIBLE STUDY - FREE Bible Study Course - How To Be Sure Of Your Salvation - https://the-ruffled-mango-school.teachable.com/p/how-to-be-sure-of-your-salvation -- COACHING - If you're tired of shallow, cheap, meaningless connections in pregnancy that leave you feeling passed over and confused, Virtual Prenatal Coaching might be for you. If you're ready to invest in coaching that will bring REAL results and REAL change, not only now but for the future of your family and your children's families, let's talk about how this 1-on-1 coaching might be just what you've been looking for! Go here to learn more - https://go.yourbirthgodsway.com/coachinginterest -- If you are not pregnant, you're sick and tired of being sick and tired, and you're ready for something different - something to help you finally look and feel like yourself again, my 1:1 Concierge Wellness Coaching is for YOU! Learn more at morriswellnessservices.com! — CHRISTIAN CHILDBIRTH EDUCATION - Sign up HERE for the Your Birth, God's Way Online Christian Childbirth Course! This is a COMPLETE childbirth education course with a God-led foundation taught by a certified nurse-midwife with over 20 years of experience in all sides of the maternity world! - https://go.yourbirthgodsway.com/cec — HOME BIRTH PREP - Having a home birth and need help getting prepared? Sign up HERE for the Home Birth Prep Course. — homebirthprep.com — MERCH - Get Christian pregnancy and birth merch HERE - https://go.yourbirthgodsway.com/store — RESOURCES & LINKS - All of Lori's Recommended Resources HERE - https://go.yourbirthgodsway.com/resources Got questions? Email lori@yourbirthgodsway.com Leave me a message -- https://www.speakpipe.com/yourbirthgodsway Social Media Links: Follow Lori on Instagram! @lori_morris_cnm Subscribe to my YouTube channel - youtube.com/ifmamaainthealthy Join Lori's Facebook Page! facebook.com/lorimorriscnm Join Our Exclusive Online Christian Women's Wellness Community -- facebook.com/groups/yourbirthgodsway Learn more about pregnancy at go.yourbirthgodsway.com! Learn how to reclaim your health at every season of motherhood at morriswellnessservices.com ! DISCLAIMER: Remember that though I am a midwife, I am not YOUR midwife. Nothing in this podcast shall; be construed as medical advice. Listening to this podcast does not mean that we have entered into a patient-care provider relationship. While I strive to provide the most accurate information I can, content is not guaranteed to be 100% accurate. You must do your research and consult other reputable sources, including your provider, to make the best decision for your own care. Talk with your own care provider before putting any information here into practice. Weigh all risks and benefits for yourself knowing that no outcome can be guaranteed. I do not know the specific details about your situation and thus I am not responsible for the outcomes of your choices. Some links may be affiliate links which provide me a small commission when you purchase through them. This does not cost you anything at all and it allows me to continue providing you with the content you love.

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Rochester and Western New York's favorite books of 2025, part 1

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Play Episode Listen Later Dec 23, 2025 51:07

What was at the top of your reading list this year? As 2025 draws to a close, we bring back an annual tradition: conversations about favorite books! During part one of this two-part episode, our guests share their favorite books that they read in 2025. Fiction, nonfiction, adult, YA, or kids' books — we discuss it all. Our guests: Emily Clasper, director of the Rochester Public Library and Monroe County Library System Laquanda M. Fields, "the fab librarian" and libraries fellow at NC State University Libraries Michael Solis, executive director of Writers & Books Justin Murphy, freelance journalist, author of "Your Children are Very Greatly in Danger: School Segregation in Rochester, New York," and research and communications coordinator at Our Local History Mona Seghatoleslami, music director, host, and producer for WXXI Classical 91.5 FM ---Connections is supported by listeners like you. Head to our donation page to become a WXXI member today, support the show, and help us close the gap created by the rescission of federal funding.---Connections airs every weekday from noon-2 p.m. Join the conversation with questions or comments by phone at 1-844-295-TALK (8255) or 585-263-9994, email, Facebook or Twitter. Connections is also livestreamed on the WXXI News YouTube channel each day. You can watch live or access previous episodes here.---Do you have a story that needs to be shared? Pitch your story to Connections.

Rochester and Western New York's favorite books of 2025, part 2

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Play Episode Listen Later Dec 23, 2025 51:28

What was at the top of your reading list this year? As 2025 draws to a close, we bring back an annual tradition: conversations about favorite books! During part two of this two-part episode, our guests share their favorite books that they read in 2025. We also want to hear from you.* Fiction, nonfiction, adult, YA, or kids' books — we discuss it all. Our guests: Jim Byrne, adult programming librarian at the Henrietta Public Library Emily Hessney Lynch, owner/founder of Serve Me the Sky Digital; host of the podcast, "It's a Lot;" and adjunct professor at Nazareth University Adrienne Pettinelli, director of the Henrietta Public Library Linda Sue Park, Newbery medalist and author of "A Long Walk to Water" and "Prairie Lotus," among others Leslie C. Youngblood, author of "Love Like Sky" and "Forever This Summer," among others, and writer and academic advisor at the University of Rochester ---Connections is supported by listeners like you. Head to our donation page to become a WXXI member today, support the show, and help us close the gap created by the rescission of federal funding.---Connections airs every weekday from noon-2 p.m. Join the conversation with questions or comments by phone at 1-844-295-TALK (8255) or 585-263-9994, email, Facebook or Twitter. Connections is also livestreamed on the WXXI News YouTube channel each day. You can watch live or access previous episodes here.---Do you have a story that needs to be shared? Pitch your story to Connections.

Gift Giving Season - Stop Asking, "What Did You Get?". Ask This Instead!

Transforming The Toddler Years - Conscious Moms Raising World & Kindergarten Ready Kids

Play Episode Listen Later Dec 23, 2025 14:53

Worried your child is more focused on what they'll get this holiday season?In this episode, I dive into the idea of instead of saying, "what do you want?", you say, "what would you like to give?". I talk about raising thoughtful gift gives and trying to balance out the receiving and the giving. ⁠Ready to Adopt the 4 C's of Collaborative Discipline?⁠⁠⁠⁠⁠Grab your free download and embrace connection before correction! Get it ⁠⁠⁠⁠⁠here.⁠⁠⁠⁠December 23, 2025Episode 298Gift Giving Season - Stop Asking, "What Did You Get?". Ask This Instead! About Your Host: Cara Tyrrell, M.Ed. is a mom or three, early childhood author, parent educator, and founder of Core4Parenting. A former preschool and kindergarten teacher with degrees in ASL, Linguistics, and Education, she created the Collaborative Parenting Methodology™ to help parents, caregivers, and educators understand the power of intentional language in shaping a child's identity, confidence, and future success.As host of the top-ranking podcast Transforming the Toddler Years, Cara blends science and soul to show adults how to “talk to kids before they can talk back,” turning tantrums into teachable moments and everyday challenges into opportunities for connection. She is also the author of the forthcoming book Talk to Them Early and Often, a guide for raising emotionally intelligent kids who thrive in school and life.Be the First to Know When Talk to Them Early and Often is Available For Preorder. Get on the list ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠!⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Interested in being a guest on the podcast? We'd love to hear from you! Complete the ⁠⁠⁠⁠⁠Guest Application form⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠

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Protecting Your Listings and Sales Rank After Amazon Account Transition

My Amazon Guy

Play Episode Listen Later Dec 23, 2025 4:45

Send us a textTransferring an Amazon seller account isn't as easy as flipping a switch. If you're buying or selling an Amazon account, knowing how to keep your listings active and avoid downtime is key. In this video, we break down three essential steps to protect your inventory, avoid marketplace verification issues, and make sure ads and shipping stay live during and after the transition.Learn how to check inventory health, switch over your deposit and advertising charge methods, and avoid costly errors with 3PL setup if you're doing FBM. From updating payment info to making sure your account isn't flagged for re-verification, this walkthrough is built for Amazon sellers handling an account change in 2026 and beyond.Need help with your account transition? Talk to the team at My Amazon Guy: https://bit.ly/4jMZtxu#AmazonAccount #SellerCentral #FBAHelp #AmazonTransfer #MyAmazonGuy--------------------------------------------------------------------------Want free resources? Dowload our Free Amazon guides here:Amazon SEO Toolkit 2026: https://bit.ly/4oC2ClTQ4 Selling Playbook: https://bit.ly/46Wqkm32025 Ecommerce Holiday Playbook: https://bit.ly/4hbygovAmazon PPC Guide 2025: https://bit.ly/4lF0OYXAmazon Crisis Kit: https://bit.ly/4maWHn0TIMESTAMPS00:00 - What Happens to Listings During Account Transfer00:38 - Check Inventory and Restock Report01:49 - Transfer Must Include Brand, Products, and Patents01:52 - Ensure Marketplaces Are Still Active02:47 - Avoid Account Deactivation from Unverified Marketplaces03:00 - Update Store and Payment Info03:30 - Don't Forget the Advertising Charge Method03:52 - FBM Sellers: Check Shipping Settings and 3PL04:30 - Final Checks Before Transfer is Complete________________________________Follow us:LinkedIn: https://www.linkedin.com/company/28605816/Instagram: https://www.instagram.com/stevenpopemag/Pinterest: https://www.pinterest.com/myamazonguys/Twitter: https://twitter.com/myamazonguySubscribe to the My Amazon Guy podcast:My Amazon Guy podcast: https://podcast.myamazonguy.comApple Podcast: https://podcasts.apple.com/us/podcast/my-amazon-guy/id1501974229Spotify: https://open.spotify.com/show/4A5ASHGGfr6s4wWNQIqyVwSupport the show

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RP 77. An End of the Year Discussion

Rage Across the Internet: A Werewolf the Apocalypse podcast

Play Episode Listen Later Dec 23, 2025 91:13

Before the year ends we wanted to discuss some of the crazy things that have been happening in the actual play these last few episodes. So join us and get a peak behind the scenes as we discuss Chapter 8 Ashes and the Chapter 9 prologue.This is two parts in one; the first half is the whole team directly after we finished playing ashes and the second half is a super secret discussion between Porter and Em after the prologue. Want to show us some love? Support us at: ko-fi.com/rageacrosstheinternetWant to Talk to us?Website: Rage Across the InternetJoin the Forums to get the Code for our discord and come chat with us!Email: rageacrosspodcast@gmail.comTwitter: @rageacrossFacebook: Rage Across the InternetWe've got a YouTube too, check it Right HereSeason 5's theme is: No Culture by Silent Partner

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Gold: A Gift Fit for a King!

Money Metals' Weekly Market Wrap on iTunes

Play Episode Listen Later Dec 23, 2025 31:26

Talk about a Christmas gift! Gold and silver both hit new record highs Christmas week, with gold eclipsing $4,500 and silver above $70. But are these precious metals in a bubble? In this episode of the Midweek Memo podcast, argues that they are not. He thinks that the gold and silver markets are telling us something - that they are signaling an important monetary paradigm shift. This week, Mike also explains why the Magi gave the gift of gold to Jesus and tells you where that gold is today and how it got there. (Yes, we know!)

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Charlie's Weekly Music Roundup (23rd Dec)

Diggin' In The Digits

Play Episode Listen Later Dec 23, 2025 13:17

Welcome to Charlie's Weekly Music Roundup to hold you down where I talk about my spins in the past week with a little more detail than I do typically! As per usual, all works talked about are below. Enjoy!Big L - Harlem's Finest: Return Of The KingNovelist - AUDACITYPaul Stephan, BexBlu, Awaiting Kvng - STILL REMINISCINGPaul Stephan, BexBlu, Awaiting Kvng - Protect The SilencePozzy - it's all up in the airSaiming - what's the alternative?Thanks for listening. Below are the Social accounts for all parties involved.Music - "Pizza And Video Games" by Bonus Points (Thanks to Chillhop Music for the right to use)HHBTN (Twitter & IG) - @HipHopNumbers5E (Twitter & IG) - @The5thElementUKChillHop (Twitter) - @ChillhopdotcomBonus Points (Twitter) - @BonusPoints92Other Podcasts Under The 5EPN:"What's Good?" W/ Charlie TaylorIn Search of SauceBlack Women Watch...5EPN RadioThe Beauty Of Independence

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Why American Food is Broken and How One Man is Fighting Back - A Documentary Filmmaker's Story - Patrick Sullivan

Stay Off My Operating Table

Play Episode Listen Later Dec 23, 2025 52:08

Eleven years after thyroid cancer, Patrick Sullivan realized he was still furious that no one could explain what happened to his body, so he made a documentary exposing how America's food system went rotten and how everyday people are reviving it.Social Links:•Jigsaw Health on the web: https://www.JigsawHealth.com•Jigsaw Health on TikTok: https://www.tiktok.com/@jigsaw_health•Jigsaw Health on IG: https://www.instagram.com/jigsaw_health/•Jigsaw Health on FB: https://www.facebook.com/JigsawHealth/•Patrick on X: https://twitter.com/realPatrickJr •Patrick on IG: https://www.instagram.com/patricksullivanjr/ •Breaking Big Food on IG: https://www.instagram.com/breakingbigfood/Send Dr. Ovadia a Text Message. (If you want a response, you must include your contact information.) Dr. Ovadia cannot respond here. To contact his team, please send an email to team@ifixhearts.com Like what you hear? Head over to IFixHearts.com/book to grab a copy of my book, Stay Off My Operating Table. Ready to go deeper? Talk to someone from my team at IFixHearts.com/talk.Stay Off My Operating Table on X: Dr. Ovadia: @iFixHearts Jack Heald: @JackHeald5 Learn more: Stay Off My Operating Table on Amazon Take Dr. Ovadia's metabolic health quiz: iFixHearts Dr. Ovadia's website: Ovadia Heart Health Jack Heald's website: CultYourBrand.com Theme Song : Rage AgainstWritten & Performed by Logan Gritton & Colin Gailey(c) 2016 Mercury Retro RecordingsAny use of this intellectual property for text and data mining or computational analysis including as training material for artificial intelligence systems is strictly prohibited without express written consent from Dr. Philip Ovadia.

190. Modern PR Strategies That Actually Work with Victoria Vaughan

eCom Pulse - Your Heartbeat to the World of E-commerce.

Play Episode Listen Later Dec 23, 2025 33:10

In this episode of Mastering eCommerce Marketing, host Eitan Koter sits down with Victoria Vaughan, Founder of B612, an award-winning PR agency based in New York that works closely with tech companies and founders.Their conversation focuses on how PR really works today, especially in a world filled with AI-generated content and nonstop noise. Victoria shares how strong brand stories are built, why founder-led PR matters more than ever, and how human connection still plays a major role in media coverage.They talk about how founders can find real gaps in their market, why research comes before messaging, and how PR has expanded far beyond traditional press to include podcasts, newsletters, and independent journalists. Victoria also explains how AI can support research and monitoring, without replacing real relationships or thoughtful outreach.Eitan and Victoria also cover what goes into a successful product launch, how early founders should think about timelines, and why earned media continues to build trust long after a campaign ends.This episode is a grounded conversation about storytelling, credibility, and how brands can stand out by being real, clear, and intentional.Website: https://www.vimmi.net Email us: info@vimmi.net Podcast website: https://vimmi.net/mastering-ecommerce-marketing/ Talk to us on Social:Eitan Koter's LinkedIn | Vimmi LinkedIn | YouTube Guest: Victoria Vaughan, Founder at B612Victoria Vaughan's LinkedIn | B612Takeaways:Authenticity resonates more than curated success stories.People relate better to real-life struggles than to perfection.Mistakes are a crucial part of the journey to success.Sharing vulnerabilities can enhance audience connection.Trust is built through honesty and openness.Social media often...

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Reel Queer Holiday! Golden Globes & Critics Choice Predictions -12/23/25

Junkyard Divas

Play Episode Listen Later Dec 23, 2025 52:45

Happy Holidays from Reel Queer!Today we are recapping the Golden Globes & Critics Choice nominees.Reel Queer is coming back strong in 2026.

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The Last One - The Choking Hazard Podcast №97

The Choking Hazard Podcast

Play Episode Listen Later Dec 23, 2025 112:40

The Choking Hazard Podcast - Episode 97 - The Last OneMore Podcast Content: https://broughy.com/podcastSee all podcast episodes as videos in this playlistContributors[Host] Broughy1322: https://broughy.com[Co-Host] Sugar Free Nos: https://twitch.tv/sugar_free_nos[Co-Host] RDT33: https://twitch.tv/rdt33[Co-Host] Joshimuz: https://twitch.tv/joshimuz[Producer] MBHammer: https://twitch.tv/mbhammerTimestamps0:00:00 - Introduction0:06:56 - Reminiscing Part 10:10:52 - GTA Mansions DLC0:21:33 - MCEC Season 60:26:00 - RDT Updates0:30:55 - Josh Updates0:33:17 - Nos Updates0:43:56 - Reminiscing Part 21:43:31 - Gaming News1:44:05 - Racing Corner1:45:20 - Speedrun Corner1:49:04 - Choke Of The Podcast1:51:03 - Thank YouPodcast pre-shows & gaming nights are all on https://youtube.com/ChokingHazardGaming

Newsroom Story Time: 12/22/25

Play Episode Listen Later Dec 23, 2025

Lisa Dent checks in with the newsroom to hear their stories.

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Jodi R.R. Smith on proper holiday etiquette when being a guest in someone's home this holiday season

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Play Episode Listen Later Dec 23, 2025

Etiquette expert and President of Mannersmith Etiquette Consulting Jodi R.R. Smith joins Lisa Dent to share some of the rudest things you can do when being a guest in someone’s home this holiday season.

Lamar Hurt AGAIN?! | Who's To BLAME For Cowboys Season? | Are We Being TOO EASY On Shedeur?

Skip and Shannon: Undisputed

Play Episode Listen Later Dec 22, 2025 133:30

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Episode #3661 The New Phil Hendrie Show

The World of Phil Hendrie

Play Episode Listen Later Dec 22, 2025 61:40 Transcription Available

For the first time ever ……The Best of Elcott the Next Step here on our free feed ..and we’re nervous about it. Sign up for a Backstage Pass and enjoy Hours of exclusive content, Phil's new podcast, Classic podcasts, Bobbie Dooley's podcasts, special live streaming events and shows, and oh so very much more…See omnystudio.com/listener for privacy information.

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Check-In: Leaving a Real Legacy (EP:1022)

Real Men Connect with Dr. Joe Martin - Christian Men Podcast

Play Episode Listen Later Dec 22, 2025 10:26

The Real Men Check In is a quick way to help you start your week off on the right foot, in the right way - as a husband, father, and leader. Every Monday, Joe Martin shares personal insights, encouragement, and support that will move you beyond "church" to "real change." And to make sure you don't miss a Check-In or interview episode, as well as contest give-a-ways, special announcements, and much more, make sure you "Stay Connected" by visiting us at https://station.page/realmen to join our online community of podcast listeners. Talk with Dr. Joe 1-on-1: Are you tired and stuck? Want to go to get your faith, marriage, family, career and finances back on track? Then maybe it's time you got a coach. Every CHAMPION has one. Schedule an appointment to chat with Dr. Joe. He takes on only a few Breakthrough Calls each week. The call is FREE, but slots are limited to ONE call only. NO RESCHEDULES. Just click on the link below and select the BREAKTHROUGH CALL option to set up an appointment: http://TalkwithDrJoe.com If no slots are available, please check back in a week. Also join us on: Online Podcast Community (on Station): https://station.page/realmen Facebook: @realdrjoemartin YouTube: http://www.RealMenTraining.com Instagram: @realdrjoemartin Twitter: @professormartin Website: https://RealMenConnect.com

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Pods Fight Poverty w/ Miriam Laker

Talk Nerdy with Cara Santa Maria

Play Episode Listen Later Dec 22, 2025 57:50 Transcription Available

In this week's episode of Talk Nerdy, we revisit a 2022 episode with former Research Director at GiveDirectly, Dr. Miriam Laker-Oketta. Talk Nerdy is joining podcasts across the globe in the Pods Fight Poverty Campaign. If you're able, please consider helping 3 villages in Rwanda out of extreme poverty by donating to givedirectly.org/nerdy. Follow: @GiveDirectly

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585: The Fed's Quiet War on the Middle Class with Doug Casey

Get Rich Education

Play Episode Listen Later Dec 22, 2025 46:31

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

Proposed Warner Bros. sale prompts concerns among Hollywood’s creative community

PBS NewsHour - Segments

Play Episode Listen Later Dec 22, 2025 7:45

Paramount is engaged in a battle to buy Warner Bros., but Netflix's proposed $83 billion offer is still considered the favorite, for now. Talk of this deal has triggered widespread fears in Hollywood about what this could mean for the creative industry. Jeffrey Brown has perspective from one of the leading unions for our arts and culture series, CANVAS. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

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How To Find Hope When Your Life Is Falling Apart | Dr. Julia Garcia

The Adversity Advantage

Play Episode Listen Later Dec 22, 2025 49:55

Dr. Julia Garcia is a psychologist, author, and renowned speaker dedicated to empowering people through the science of mental health. For nearly two decades, she has worked with educators, students, business leaders, and individuals facing life's toughest moments - helping them break through fear, doubt, and hopelessness to build lasting habits of healing and hope. Today on the show we discuss: why hope is not happiness or positivity but a skill you can build in chaos, how honesty with your emotions is the first step out of hopelessness, why small “maybe moments” can interrupt destructive thought cycles, how performance culture and comparison quietly erode confidence and meaning, why courage is built through tiny daily choices not massive life changes, and how a simple framework can help you rebuild hope identity and direction after rock bottom and much more. Today's sponsor: ⁠⁠⁠Timeline Nutrition⁠⁠⁠ Upgrade your mitochondrial health with Mitopure. Timeline is offering 20% off your first order of Mitopure. Go to ⁠⁠https://www.timeline.com/doug⁠⁠⁠ and use code DOUG to get 20% off your order. ⚠ WELLNESS DISCLAIMER ⚠ Please be advised; the topics related to health and mental health in my content are for informational, discussion, and entertainment purposes only. The content is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek the advice of your health or mental health professional or other qualified health provider with any questions you may have regarding your current condition. Never disregard professional advice or delay in seeking it because of something you have heard from your favorite creator, on social media, or shared within content you've consumed. If you are in crisis or you think you may have an emergency, call your doctor or 911 immediately. If you do not have a health professional who is able to assist you, use these resources to find help: Emergency Medical Services—911 If the situation is potentially life-threatening, get immediate emergency assistance by calling 911, available 24 hours a day. National Suicide Prevention Lifeline, 1-800-273-TALK (8255) or https://suicidepreventionlifeline.org. SAMHSA addiction and mental health treatment Referral Helpline, 1-877-SAMHSA7 (1-877-726-4727) and https://www.samhsa.gov Learn more about your ad choices. Visit megaphone.fm/adchoices

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FTL2025-12-21

Free Talk Live

Play Episode Listen Later Dec 22, 2025 145:44

Solstice :: Ridley calls about "p-doom" :: doomdebates.com :: U.S consumers put $1 billion on "buy now pay later" for black friday :: Dog and her owner sues IRS over "animal dependency" :: Sarah in NM calls about mobile speeding cameras :: DeFlock.me :: U.S. takes another oil tanker near Venezuela :: Tom in NH calls to talk about the "double speak" of the state :: Epstein files :: Blackmail as a weapon :: Waymo cars go down during San Francisco power shortage causing traffic jams :: Is AI really just an Indian call center? :: 2025-12-21 Hosts: Stu, Angelo, Rich E. Rich

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FTL2025-12-20

Free Talk Live

Play Episode Listen Later Dec 22, 2025 146:08

Both the US presidents, Trump and Netanyahu, have a a meeting about war with Iran :: Forever wars :: Bombing Mexico :: Creating our own enemies in war :: Celebrating America's birthday with drugs :: Trump doing a 180 on his own supporters :: Silent Hill 2 Coming out :: Smart contracts and other trustless tech could be the answer if someone is smart enough to figure it out :: The lengths David from San Francisco and other dems will go to to avoid perceived racism :: AI slop pushing people into the real world :: Randy Travis using AI since he tragically lost his voice :: Sarah wants bigger bicycle paths :: Buy better to get back at the corporations :: 2025-12-20 Bonnie, Angelo,

Episode 344: American Journal Israel Continues Trying To Drag USA Into War With Iran

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Play Episode Listen Later Dec 22, 2025 110:05

Israel Continues Trying To Drag USA Into War With Iran, Dems Renew Trump Impeachment Talk Over Epstein FilesSky Pilot Radio The Classics from the 60's thru the 80's

Episode 346: Alex Jones Netanyahu Is Pushing Trump To Launch A Massive Attack On Iran & Lebanon

Play Episode Listen Later Dec 22, 2025 84:12

It's Happening Again: Netanyahu Is Pushing Trump To Launch A Massive Attack On Iran & Lebanon! Plus, Russian General Killed In Moscow Car Bomb, Muslims Across West Attack Christmas Displays, Photos Of Epstein Groping Small Children EmergeSKY PILOT RADIO CLASSIC HITS 60's thru the 80's LISTEN and REMEMBER

Episode 347: War Room Epstein Pictured with Toddlers! Plus, DHS Is Running a Christmas Special for Illegal Aliens Who Self-Deport in Time for the Holidays

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Play Episode Listen Later Dec 22, 2025 110:03

War Room Epstein Pictured with Toddlers! Plus, DHS Is Running a Christmas Special for Illegal Aliens Who Self-Deport in Time for the Holidays

Facing Your Dragons: Interview with Dr. JC Doornick on Self-Mastery and Authentic Living - Episode 129

Makes Sense - with Dr. JC Doornick

Play Episode Listen Later Dec 22, 2025 46:43

Enjoy a recent Podcast Interview I had the honor of doing with the Amazing Anika Jackson with the Your Brand Amplified Podcast, where we discussed Self-Mastery and Authentic Living. Check out Anika's Podcast below! Central to Dr. JC Doornick's philosophy is the belief that genuine success arises from a harmonious alignment between internal values and external actions. His own journey of transformation—moving from struggle and self-doubt to lasting change—demonstrates that lasting fulfillment begins with prioritizing both physical and mental health. By urging individuals to confront rather than avoid their fears, Dr. Doornick turns obstacles into catalysts for growth, nurturing resilience, authenticity, and compassion along the way. Through his frameworks and personal example, he illustrates that personal and professional breakthroughs require self-awareness, kindness, and persistent action. His focus is not merely on external accomplishments but on cultivating an environment where individuals are equipped to realize their potential, create meaningful impact, and enjoy a life anchored in purpose. For those ready to engage more deeply with these transformative concepts, follow Dr. JC Doornick's Makes Sense Podcast or subscribe to his Substack at https://drjcdoornick.substack.com. To further your growth, consider joining his Makes Sense Academy on Skool, and explore his book and related resources at makessensebook.com. We're happy you're here! Like Anika's pod? Support the podcast and receive discounts from our sponsors: https://yourbrandamplified.codeadx.me/ Leave a rating and review on your favorite platform Follow @yourbrandamplified on the socials Talk to my digital avatar Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Grow Loyal Customers with ZERO Followers on Facebook and Instagram

The Facebook Marketing Ninja

Play Episode Listen Later Dec 22, 2025 11:54

Learn how to use Facebook and Instagram to find customers, even if you have zero followers. In this episode, discover why follower count no longer matters and how to build engaged audiences using Meta Business Manager. You'll see how to identify people who watch most of your videos, apply the Rule of 7 to build trust, and retarget warm audiences who are ready to buy. This is the same content strategy used by top-performing brands to grow sales in 2025.What You'll Learn:- Why followers no longer drive growth on social media- How to use Facebook & Instagram audiences to find real customers- The Rule of 7: turning engagement into trust and sales- How to retarget high-engagement viewers for better conversions-------------------About Manuel Suarez:Manuel Suarez, known as the "Marketing Ninja" and a "Best Selling Author" of "Marketing Magic", leads Attention Grabbing Media (AGM), a marketing agency honored three times on the Inc 5000 list. With a team of over 120, AGM specializes in turning attention into profit for a wide array of brands. In 2023 alone, brands managed by AGM exceeded 250 million USD in revenue.Manuel is also the co-founder of NaturalSlim, a self-funded high 9-figure brand. He has elevated thousands of businesses across various sectors and has directed marketing campaigns for industry leaders like Dr. Eric Berg, Grant Cardone, and Daymond John.He is also responsible for two of the top 15 largest U.S. YouTube channels—Dr. Eric Berg and MetabolismoTV—which together have over 20 million subscribers. Over seven years, his strategies have amassed 8 billion views, generated 5 million leads, and earned over 500 million USD in revenue.Follow Manuel Suarez on Social Media:- Facebook: https://www.facebook.com/theninjamarketer/- Instagram: https://www.instagram.com/mrmanuelsuarez/- TikTok: https://www.tiktok.com/@mrmanuelsuarez- X (formerly Twitter): https://x.com/MrManuelSuarez- LinkedIn: https://www.linkedin.com/in/mrmanuelsuarez/Learn More About AGM:- Visit our website: https://www.agmagency.comNeed Help with Your Marketing?- Talk to a Ninja: https://www.talktoaninja.comCheck Out Manuel's Book, a #1 Seller on Amazon:- Marketing Magic by Manuel Suarez: https://a.co/d/gbwHKSf

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Year of the ‘Cranky Consumer' | The Hottest Christmas Gifts!

Bill Handel on Demand

Play Episode Listen Later Dec 22, 2025 22:18 Transcription Available

(December 22, 2025) How a speeding ticket can be worse than killing someone with your car in California. 60 Minutes pulls piece, producer says it's political. The year of the ‘cranky consumer.’ The hottest Christmas gifts! Poop tests & sleep monitors.See omnystudio.com/listener for privacy information.

Handel on the News

Bill Handel on Demand

Play Episode Listen Later Dec 22, 2025 28:33 Transcription Available

(December 22, 2025) Amy King joins Bill for Handel on the News. Los Angeles weather: Atmospheric River could bring heavy rain to Southern California Christmas week. US pursuing third oil tanker near Venezuela, officials say. Power nearly restored in San Francisco after widespread outage Saturday. Jefferies: DOJ release of Epstein files ‘inadequate’ and ‘falls short of what the law requires.’See omnystudio.com/listener for privacy information.

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#391 The Christmas Adventure Starring Calm and Chaos

Intentional Living with Tanya Hale

Play Episode Listen Later Dec 22, 2025 28:52

Sometimes we get these expectations around the holidays, and we think that this should be such a magical time and that no one should get grumpy or annoyed. We might believe we should feel the joy and peace of Christmas in abundance and all the regular challenges of life should just melt away under the warmth of the Season. But the truth is, whether it's Christmas or not, life still offers us up an abundance of the 50/50 of life, 50% good, 50% challenging. The struggles and challenges of life don't check the calendar before showing up in our lives. So learning to lean into the challenges, expect and anticipate the challenges rather than resisting them, is our best bet to actually feel more calm. Thanks for listening! Want to learn more about this concept? Check out these podcasts: #167 I Didn't Sign Up For This on Apple on Spotify #172 Peace Misunderstood on Apple on Spotify #175 Happy No-Drama Holidays to You on Apple on Spotify #181 6 Tips For a Happier Holiday on Apple on Spotify #219 The Truth About The Struggle on Apple on Spotify #235 The Beautiful Mess on Apple on Spotify #268 Drama Response on Apple on Spotify #272 Stay In Your Lane on Apple on Spotify Are you curious about what it would be like to work with me? Here are three options: Group coaching classes are available at tanyahale.com/groupcoaching Talk with Tanya is a free monthly webinar where you can ask me anything and we can have a great discussion. You can sign up for that at tanyahale.com/groupcoaching Interested in a free 90-minute coaching/consult with me? Access my calendar at: https://tanyahalecalendar.as.me/

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What's next for Democrats?

head talk democrats connections pitch democratic party wxxi

Play Episode Listen Later Dec 22, 2025 51:16

Democrats won big in the recent election. We talk with local Democratic Party leaders about the state of local politics, the national scene, and what they'd like to see their party do next. Our guests: Stephen DeVay, chair of the Monroe County Democratic Committee Anthony Plonczynski-Figueroa, executive vice-chair of the Monroe County Democratic Committee and leader of the Greece Democratic Committee ---Connections is supported by listeners like you. Head to our donation page to become a WXXI member today, support the show, and help us close the gap created by the rescission of federal funding.---Connections airs every weekday from noon-2 p.m. Join the conversation with questions or comments by phone at 1-844-295-TALK (8255) or 585-263-9994, email, Facebook or Twitter. Connections is also livestreamed on the WXXI News YouTube channel each day. You can watch live or access previous episodes here.---Do you have a story that needs to be shared? Pitch your story to Connections.

Less tech, more interaction: professor experiments with course design

head talk professor tech democrats experiments connections pitch interaction chronicle course design zupan wxxi

Play Episode Listen Later Dec 22, 2025 51:00

Alfred University President Mark Zupan conducted an experiment in one of his recent courses. It entailed removing smartphones and other devices from the classroom and requiring students to participate and interact with each other regarding the course content. In an op-ep for the Democrat and Chronicle, Zupan wrote that students were uneasy at first, but came to embrace the lack of technology. He joins us to talk about the implications. Our guest:Mark Zupan, Ph.D., president of Alfred University---Connections is supported by listeners like you. Head to our donation page to become a WXXI member today, support the show, and help us close the gap created by the rescission of federal funding.---Connections airs every weekday from noon-2 p.m. Join the conversation with questions or comments by phone at 1-844-295-TALK (8255) or 585-263-9994, email, Facebook or Twitter. Connections is also livestreamed on the WXXI News YouTube channel each day. You can watch live or access previous episodes here.---Do you have a story that needs to be shared? Pitch your story to Connections.

How to Teach Kids About Money: Habits, Mindsets, and Conversations That Last a Lifetime

The Money Advantage Podcast

Play Episode Listen Later Dec 22, 2025 55:41

The Day a Cookie Business Changed How My Daughter Saw Money After watching a kid biz launch challenge our eight-year-old decided she wanted to start a cookie business. She figured out recipes, canvased the neighborhood, and delivered her first batch of cookie dough. By the end of the day, she had a stack of cash in her hand and stars in her eyes. https://www.youtube.com/live/yzjkVUl38HM Then we sat down at the table. “Okay,” I said, “you didn't just make $100 you made $100 of income. Now we're going to give, save, and spend.” Suddenly, that pile of money shrank. Ten dollars to giving. Forty to saving. Fifty left to spend. And right there, without a textbook or a classroom, she began to understand what real money management feels like: choices, trade-offs, and the realization that dollars follow value. That's a picture of how to teach kids about money in real life—not as an abstract idea, but as something they can see, touch, and live. Table of ContentsThe Day a Cookie Business Changed How My Daughter Saw MoneyWhy Learning How to Teach Kids About Money Matters More Than EverHow to Teach Your Kids About Money From a Young AgeHow Early Money Experiences Shape Your Child's Financial MindsetTeaching Kids Delayed Gratification With Money: Saving First, Spending LaterTeaching Kids About Saving and Spending: The Pain of a Bad PurchaseHow Chores and Earning Money Teach Kids ResponsibilityHelping Kids Develop a Wealth Mindset, Not a Consumer MindsetTeaching Teens About Debit Cards and Digital MoneyHow to Talk to Adult Children About Money and Financial HabitsTeaching Children Financial Literacy Is Your Job, Not the School'sHow to Teach Kids About Money in a Way That Actually SticksGo Deeper on How to Teach Kids About MoneyBook A Strategy CallFAQ: How to Teach Kids About Money (For Parents, Teens, and Adult Children)What is the best way to teach kids about money from a young age?How can I teach kids to save money and not spend it all?How do chores and earning money teach kids responsibility?How can I help my child develop a wealthy mindset, not a consumer mindset?How should I talk to my teen about debit cards and digital money?How do I talk to adult children about money habits without starting a fight?What is the three jar system for kids? Why Learning How to Teach Kids About Money Matters More Than Ever When parents ask us how to teach kids about money, they're not really asking about dollars and cents. They're asking: How do I raise financially responsible kids? How do I help them avoid the money mistakes I made? How do I give my child a wealthy mindset, not a consumer mindset shaped by social media and advertising? In this article, we are going to walk with you through: How to teach your kids about money from a young age Simple money lessons for kids that start before they earn their first dollar How chores, jobs, and entrepreneurship help kids understand that dollars follow value How to teach kids about saving and spending, delayed gratification, and lifestyle choices How early money experiences shape your child's financial mindset, from little kids to teens to adult children By the end, you'll have practical scripts, examples, and frameworks you can start using today—whether your kids are 6, 16, or already out of the house. How to Teach Your Kids About Money From a Young Age If you ask us, there is no such thing as “too early” when it comes to teaching children financial literacy. From the moment they see you tap a card at the store, they're forming beliefs about money: Is money scarce or abundant? Is it something we talk about, or something we avoid? Does it control us, or do we steward it? We live in a world that constantly pushes kids toward consumption—commercials, YouTube, TikTok, billboards. A child who has never seen a Barbie Dream House commercial would be perfectly happy playing with pots and pans in the kitchen. The ad didn't just sell a toy; it told them what “ happiness” should look like. If we're not intentionally teaching kids good money habits, the culture is. That's why the earlier you start, the more “normal” healthy money habits feel. It's not a lecture—it's just how our family does life. How Early Money Experiences Shape Your Child's Financial Mindset Bruce often shares how his grandparents saved ration tickets from World War II on the windowsill for decades. They washed plastic forks and cups after every big holiday meal. Those early experiences created a deep, almost subconscious scarcity mindset. Later, his parents went through the inflation of the 1970s and the loss of a family business. All of that shaped how he views risk, saving, and spending even today. Your kids are also absorbing your story right now: How you react when an unexpected bill comes in Whether you complain constantly about money Whether you live in chronic anxiety or quiet confidence You don't have to be perfect. But you do need to be honest, consistent, and intentional. That's how parents can model healthy money habits for their children—far more powerfully than any lecture. Teaching Kids Delayed Gratification With Money: Saving First, Spending Later One of the most important money habits for kids that starts before they earn their first dollar is simply this: Save first, then spend what's left. It's the marshmallow test with dollars. Do I eat the one marshmallow now, or wait and get two later? With our kids, we use a simple three jar system for kids: give, save, spend. 10% to giving 40% to saving 50% to spending We started this when they were very young with transparent jars, so they could see money growing in each category. Anytime they earned money—from chores, business, or gifts we chose to include—we walked through the same process: Give first (generosity as a default, not an afterthought) Save second (for long-term wealth building and investing) Spend last (on wants and short-term goals) Over time, this shifted their thinking: “If I want $50 to spend, I have to earn $100.” “My savings isn't just future spending; it's capital for making more money.” That's teaching kids the difference between saving and spending in a way they can feel—not just understand intellectually. Teaching Kids About Saving and Spending: The Pain of a Bad Purchase For one of our daughters, the biggest teacher has been buyer's remorse. She's our spender. She'll get $25 and want to spend it immediately. Then, the next day, she sees something else she wants more, or realizes Christmas is coming and she wants to buy gifts for family—and that same $25 is gone. We don't shield her from that discomfort. We want her to feel: “Every dollar I spend here is a dollar I cannot spend there.” “My choices today affect my options tomorrow.” That's how to help your child avoid lifestyle creep and overspending later in life. It starts with small, low-stakes decisions that train their decision-making muscles long before those decisions involve cars, houses, and credit cards. How Chores and Earning Money Teach Kids Responsibility We don't pay our kids for basic chores. Chores—like cleaning your room, helping with dishes, cleaning up toys—are simply part of contributing to the family. That's how to raise financially responsible kids and emotionally responsible kids. But we do pay for above-and-beyond work that creates extra value: Vacuuming the whole house Cleaning all the bathrooms Larger projects we'd otherwise pay someone else to do That's when we start teaching kids that dollars follow value. Money is the result, not the cause. Bruce grew up mowing lawns, returning baseballs at the ball field, and collecting bottles for deposit money. No one handed him an allowance; he learned that if he wanted something, he had to figure out what value he could create in the world to earn it. That's also how chores and earning money teach kids responsibility: They recognize needs around them They see the connection between effort, value, and income They start to think entrepreneurially You're not just teaching kids about money management. You're teaching them how to think like producers, not just consumers. Helping Kids Develop a Wealth Mindset, Not a Consumer Mindset One of the biggest tensions today is balancing scarcity and abundance. On one side, there's fear-based scarcity: “We can't spend anything.” “We can never enjoy life.” “We must hoard every dollar.” On the other side, there's consumption-based scarcity: “If I don't buy the trip, the car, the concert, I'm missing out.” “I'm not enough unless I have more, do more, go more.” Both are fear-based. A wealth mindset says: I can enjoy life within wise limits. I choose meaningful experiences, not constant upgrades. I build a cash-flowing asset base that funds my lifestyle. This is where using Robert Kiyosaki's Cashflow game to teach kids about money can be powerful. It shows them: Income vs Expenses Assets vs Liabilities The goal of building cash-flowing assets until passive income exceeds expenses In other words, how to give your child a wealthy mindset not a consumer mindset—by showing them a bigger vision for money than just “get paid, then spend it.” Teaching Teens About Debit Cards and Digital Money Today, money is more invisible than ever. Tap your phone. Click a button. Apple Pay, Google Pay, one-click checkout—no pain, no pause, no counting cash. For teens, that can be dangerous. Teaching teens about debit cards and digital money means pulling back the curtain: Show them their bank statement regularly. Connect each purchase to the actual hours of work it took to earn it. Talk about overdrafts, fraud, and security—not to scare them, but to equip them. With our 14-year-old,

Worlds Famous Ep.117: Kill Bill and Other Stuff

IseeRobots Radio

Play Episode Listen Later Dec 22, 2025 52:42

Hey kids. Thanks for tuning in. This week we open up a Neca Figure, Talk about Kill Bill The Whole Bloody Affair do a Reading Rainbow, talk to Derrick and TONS MORE! It's a super fun episode like always. Make sure to tell a friend!!!

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Rookies Season Review

Sport Radio - Australia

Play Episode Listen Later Dec 22, 2025 21:21

Rookies Season Review Tony Whitlock catches up with Aaron Cammeron and Cooper Murray about Adelaide and their season. From the race track to your device with Tony Whitlock on Inside Supercars Inside Supercars Podcast: Subscribe Apple Podcasts I Spotify I Google Podcasts Supported by: P1 Australia Link:P1 Australia MusicCreative Commons Music by Jason Shaw on Audionautix.com MusicComa-Media from Pixabay #RepcoSC #TCRAust #Supercars #Motorsport #ADL500

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Celebrating 100 Episodes/Best of 2025

Post Book Depression

Play Episode Listen Later Dec 22, 2025 44:39

We celebrate our 100th episode with a look back on our podcast before diving into our favorites for 2025 (no reading required)! Wrapping up the episode, we share a heartfelt thank you to our listeners and a look at the future.

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250 Shows and Counting (w/ Jasmin Malave)

Talk of the Table

Play Episode Listen Later Dec 22, 2025 62:06 Transcription Available

Brian and Elliot are joined by Jasmin Malave, cast member of the touring live show The Twenty Sided Tavern. We dig into what Jasmin has learned over 250+ performances, how the show has changed over the years, and where this live experience sits on the spectrum of actual play.Talk of the Table is hosted by Elliot Davis and Brian Flaherty.Links:Jasmin on Instagram, TikTokThe Twenty Sided TavernJasmin Recommends:“Confidence is an illusion, just do it, I believe in you!”Our Links:Support TotT on PatreonMany Sided NewsletterMany Sided Media DiscordCredits:Edited by Elliot DavisProduced by Many Sided MediaAdvertising Inquiries: https://redcircle.com/brands

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Louisa Chu reviews Rosca, a Mexican everything bagel cafe

Play Episode Listen Later Dec 22, 2025

Louisa Chu, Chicago Tribune Food Critic, joins Lisa Dent to share her review of a bagel cafe in Pilsen. She calls it the “most unique bagels I’ve ever seen around Chicago.” She highlights the Mexican flare that Rosca adds that sets it apart from every other bagel spot.

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Everything you need to know about Chicago's historic live NYE celebration

Play Episode Listen Later Dec 22, 2025

President and CEO of Choose Chicago, Kristen Reynolds, joins Lisa Dent to discuss what people can expect when they attend Chicago’s historic live NYE Countdown on Dick Clark’s New Year’s Rockin’ Eve.

The Perfect Present: Rogers & Hollands Jewelry

Play Episode Listen Later Dec 22, 2025

The President of Rogers & Hollands, Brent Stern, joined Lisa Dent on the show to remind listeners why jewelry is the perfect present to give this holiday season.

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IL Rep. Kam Buckner: Bears' stadium statement