Podcasts about Whalen

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog and author of "Inflated: Money, Debt and the American Dream," returns to the show with a monthly update on markets and the economy.Sponsors: Monetary Metals. https://monetary-metals.com/julia Kalshi: https://kalshi.com/juliaIn this episode, Whalen argues the Fed's easy money era is over, with no rate cuts coming this year and traditional monetary policy failing to help Main Street. He warns of a "silent subprime crisis" brewing in multifamily real estate and sees stagflation ahead - low growth with persistent inflation eating away at real purchasing power. Whalen advocates for gold as protection against currency debasement and explains why recession odds have dropped to 27% despite structural economic challenges from commercial real estate to student loan repayments as pandemic-era programs wind down.Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:00:10 - Introduction of Chris Whalen 02:11 - Big picture market outlook and elevated interest rates 04:30 - No rate cuts coming this year discussion 05:38 - Trump's "big beautiful bill" and Senate dynamics 06:17 - Fed balance sheet reduction and inflation persistence 08:02 - Silent subprime crisis in multifamily real estate 09:13 - Mixed bag stock market outlook explanation 10:42 - Recession probability13:20 - Real estate opportunities and putting deals together 14:04 - Jay Gould and Jim Fisk arbitrage between gold and paper 16:57 - Fed's 2% inflation policy and its impact on savers 18:20 - Gold as anti-dollar hedge discussion 19:38 - Fall of fiat and return to sound money debate 21:00 - Why dropping rates no longer stimulates Main Street 22:13 - Chris's proposal to freeze government spending 24:11 - Banking system fluff and lack of credit demand 25:46 - Real vs nominal growth and stagflation 27:43 - Fannie Mae and Freddie Mac conservatorship discussion 30:00 - Closing thoughts and where to find Chris's work

In this episode we had the chance to speak with one of Stonelifting's great unsung heroes, Nic Whalen. A man whose relationship with Stonelifting is relatively private, but whose contributions to the revival of historical stones across Iceland are vast, having created countless opportunities for lifting enthusiasts to participate in this incredible historical strength ritual. We discuss his approach to finding these strength relics, his passion for Iceland, and his progression from a lap high lift during his first encounter to having made multiple successful walks around the pen with the mighty Husafell Stone!!!

Join the #McConnellCenter as we welcome Benedict Whalen and he attempts to convince us to read A Farewell to Arms by Ernest Hemingway! Dr. Benedict Whalen completed his bachelor's degree at the University of Dallas, and his graduate degrees at the University of Nevada, Las Vegas. He then taught at Texas A&M University – Corpus Christi before joining Hillsdale College in 2014. Much of his teaching is in the literature of the Renaissance, including especially the works of Shakespeare and his fellow playwrights. He also regularly teaches courses on English Renaissance lyric poetry, including the metaphysical poets.  We all know we need to read more and there are literally millions of books on shelves with new ones printed every day. How do we sort through all the possibilities to find the book that is just right for us now? Well, the McConnell Center is bringing authors and experts to inspire us to read impactful and entertaining books that might be on our shelves or in our e-readers, but which we haven't yet picked up. We hope you learn a lot in the following podcast and we hope you might be inspired to pick up one or more of the books we are highlighting this year at the University of Louisville's McConnell Center. Stay Connected Visit us at McConnellcenter.org Subscribe to our newsletter  Facebook: @mcconnellcenter Instagram: @ulmcenter  Twitter: @ULmCenter This podcast is a production of the McConnell Center

Author and financial expert, Chris Whelan, joins Keith as they explore the intricacies of the housing market's potential future. Chris drops an intriguing prediction of a possible 20% price correction. They dive deep into the complex world of real estate, examining the pandemic's significant impact on mortgages and economic trends. The conversation reveals the behind-the-scenes challenges of the housing market, from government interventions to the nuanced effects of interest rates and forbearance programs. They unpack the struggles in commercial real estate, particularly highlighting the unique challenges in markets like New York's rent-controlled properties. Chris's new book "Inflated: Money, Debt, and the American Dream" promises an insightful journey through America's economic transformation, tracing how the nation evolved from an agrarian society to a global economic powerhouse. Show Notes: GetRichEducation.com/556 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, what's the state of the housing market for the next five years, and could what's happening in the foreclosure market affect it? I see relative housing market price stability. My guest sees cracks. This could be somewhat of a debate today, then two great new cash flow and real estate markets in the same state that we're helping your portfolio with on get rich education, mid south home buyers, I mean, they're total pros, with over two decades as the nation's highest rated turnkey provider. Their empathetic property managers use your ROI as their North Star. So it's no wonder that smart investors just keep lining up to get their completely renovated income properties like it's the newest iPhone. They're headquartered in Memphis and have globally attractive cash flows and A plus rating with the Better Business Bureau and now over 5000 houses renovated. There's zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate, while their average renter stays more than three and a half years. Every home they offer has brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter, remember that part and in an astounding price range, 100 to 180k I've personally toured their office and their properties in person in Memphis, get to know Mid South. Enjoy cash flow from day one. Start yourself right now at mid southhomebuyers.com that's mid south homebuyers.com.   Corey Coates  1:56   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:12   Welcome to GRE from Edison, New Jersey to Edinburgh, Scotland, where I am today, and across 188 nations worldwide, I'm Keith Weinhold, and you are back for another wealth building week on get rich education. Today's guest came to me recommended. It came from a guest that we've had on the show here before, Jim Rickards and his daughter Ally Rickards. His name is Christopher Whelan. He has a distinguished background. Comes from a prominent family, and he's the author of a new book that just published a few weeks ago. His father, Richard Whelan, was the biographer of Joe Kennedy, and was advisor to presidents and Fed chairman and today's guest, his son there, Chris. He has done a lot of work in DC. He lives just north of New York City today. So I guess coming recommended from Jim Rickards and learning a few things about today's guest helped me want to host him on the show. So though I'm just meeting him for the first time right here on the show, as it turns out, I learned that he has mentioned on other channels that real estate prices could correct down 20% and fall back to 2020 levels. I absolutely don't see how that's possible in any way. I'm going to bring that up with him, so we'll see. This could turn into somewhat of a debate. Like I said last week, I believe that significantly falling housing prices. That's about as likely as grocery store prices falling back to 2020 levels. Yes, I am in Edinburgh, Scotland today. It's my first time here. My mom, dad and also my brother's entire family came over from the US to meet up. It's been great. We're taking in all the best sites, Edinburgh Castle, other castles, the Scottish Highlands, Loch Ness, though I don't believe in any Loch Ness monster at all. I mean, come on, what a hoax. And we're seeing some other sites, though it didn't really interest the others, which I could understand. I visited the home where Adam Smith once resided, and I might put my video about that on our get rich education YouTube channel, so you could check that out over there. Of course, Adam Smith is considered the father of modern day economics for his work on supply versus demand and the GDP concept, the invisible hand, concept, much of that work conveyed in his magnum opus, The Wealth of Nations, published in 1776 as for the present day, let's meet this week's guest, including me, meeting him for the first time.     I'd like to welcome in a first time guest. He's the author of a widely acclaimed new book. It's named inflated money, debt and the American dream. It just released, and the book couldn't be more timely with the multitude of challenges related to inflation, many involving the housing market in his earlier books, he's been known, frankly, for just telling his readers the truth. He's worked at the Federal Reserve Bank of New York in politics and as an investment banker for more than 30 years. Today, he runs Whalen Global Advisors. You've seen him on CNBC in the Wall Street Journal, and now you're hearing him on GRE Welcome to the show. Chris Whalen.   Chris Whalen  5:43   Thank you, Keith, appreciate your invitation.    Keith Weinhold  5:45   Whalen is spelled W, H, A, l, e, n, if you're listening in the audio only, Hey, Chris, we're in a really interesting time in the economic cycle. We all know the Fed has a dual mandate, high employment and stable prices. What's interesting to me is, late last year, they cut rates by a full 1% and this is despite inflation being above target. Makes me wonder if they care more about high employment and they're rather willing to let inflation float higher. What are your thoughts?    Chris Whalen  6:18   I think historically, that's been the case. You know, the dual mandate Humphrey Hawkins, that drives the Fed's actions today was a largely socialist compromise between the Republicans and the Democrats. The Democrats wanted to guarantee everybody a job after World War Two, the legislation was really about soldiers and people who had served their country in many, you know, places around the world, for a long time, and then you would have the depression. So you had a whole generation or more of people that were looking for help when they came home. And that's what this was. But today, you know, there's another mandate, which is called keeping the treasury bond market open. We saw it was during COVID in 2020 President Trump got up, declared that people didn't have to pay their rent or their mortgages, and then didn't do anything. There was no follow up. At the time, folks in mortgage industry kind of looked at each other funny for about 60 days and said, What's going to happen? Because they have to advance principal, interest, taxes and insurance to protect the house. The first rule in mortgage finances protect the asset. But it all worked because the Fed dropped interest rates to zero and we had a boom. We refinanced two thirds of every mortgage in the United States, and that cash flow allowed the finance forbearance for millions of Americans. Now the unfortunate part, of course, was home prices went up double digits for six years. So why we had no affordability today? So, you know, it helped, but it certainly didn't help in some ways,   Keith Weinhold  7:48   mortgage loan forbearance back in the COVID era about five years ago, where you could basically just skip your mortgage payment and then they increase the overall duration of your loan period.   Chris Whalen  8:00   That's right. So you know, your government market, your conforming market, were falling. They also had various schemes, state forbearance for non agency loans. Nobody thought at all about the multifamily sector and the developers that didn't get paid for two years. And we're feeling the impact of that. Of course, today, that's probably the biggest pain point in US economy today is commercial real estate and multi family real estate, and neither one of them involves a consumer. So it gets no attention at all. You read about it in the specialty press, but that's about it.    Keith Weinhold  8:34   And by talking about multi family not affecting the consumer, you're just talking about who's on the owner side there?   Chris Whalen  8:40   precisely if all of the consumers have problems, you'd hear about it, and you do, especially in some of the blue states. I live in New York, so we have some of the more aggressive rent stabilization, rent control laws in the country. And they go back to World War Two. They go back almost a century,   Keith Weinhold  8:58   right? It's those people in the one to four unit space in residential real estate investing that really got the help there.    Chris Whalen  9:06   Well, at least, you know, the world didn't end. Imagine if all of those people had gone to foreclosure. The industry wouldn't have done that. Of course, they would have thrown up their hands and cried for help. But the point is, they made it work. But the cost of making it work that zero interest rate regime that the Fed put in place is still being felt today. If you look at banks which typically have prime large mortgages on their books, the loss given default is zero. Home prices are so high that if somebody actually goes to foreclosure, they sell the house, they pay off the loan easily, and there's usually a large residual left, which would go to the homeowner. So today, you know, if somebody gets in trouble, we do a short sale, we do a deed in lieu, and off they go. And that's why the stats don't show you the pain that many American families are feeling today, because about 60% of all payoffs of one to four family mortgages are people who. Are exiting the market, they're not going to buy another house. So what that means is that the cost of home ownership, or whatever other factors are involved, has made them make the decision not to go to another home mortgage.    Keith Weinhold  10:13   Yes, we have this historically low affordability that's beginning to be reflected in the home ownership rate. It's trended down from about 66 to 65% recently, we continue to be in this environment here, Chris in the one to four unit space, where those existing homeowners are in really good shape. They have record high equity levels of over 300k A lot of them have their home paid off. About 40% of American homeowners own their home free and clear, and of the remainder, those borrowers, 82% still have a mortgage rate of under 5% and of course, that principal and interest payment stays fixed. So even if there's economic hardship, it's pretty easy for people to make their payments and stay in their homes.   Chris Whalen  11:02   Well, it certainly is for most of the marketplace. If you look at the bottom 20% the FHA market, also the VA market, there's a little more stress there. There's still an awful lot of people who are in various types of forbearance in that market. That's going to end in October. So the Trump administration is pushing most of the rules back to pre COVID approaches for delinquency, for example, what we call the waterfall. And what that basically means is that if an FHA borrower gets in trouble, they'll have one shot at a modification where they lower the loan cost and stick part of the loan out the back to be paid off when the house is sold. If that doesn't take, if they don't re perform, then they're going to go to a foreclosure. We just ended another program for veterans. You know, they had three weeks notice, so now you're going to see a lot of veterans going to foreclosure. Unfortunately.   Keith Weinhold  11:56   yes, this administration is basically making sure that people are responsible or resume their payments. We've seen that student loan repayments needing to resume as well. Most foreclosure rate types are still pretty low, but yes, FHA foreclosure rates are higher than those for conventional loans.    Chris Whalen  12:15   Yeah, the interesting thing is, the veterans delinquency rate is half of the FHA rate, and even though people in uniform don't make a lot of money, they pay their bills. Yeah, it's quite striking.   Keith Weinhold  12:25   Why don't you talk to us more about areas where you see distress in the housing market before we talk about more inflation? Chris, the   Chris Whalen  12:34   key areas of housing stress at the moment are commercial real estate that has become underutilized. COVID drove a lot of this, but also the fact that industries could change their work practices. It could have people work from home. Look at housing. We sent everybody home in 2020 while we increased headcount by a third to address a surge in lending volume. It was insane. I gotta tell you, we were hiring people that we didn't see for months that changed the business model assumptions for a lot of industries. A lot of them moved out of blue states and went down to Florida and Texas. In the mortgage industry particularly, and so we have a lot of older real estate particularly, that is suffering. It has dropped in terms of appraised values. You also have higher interest rates and higher cap rates, that is to say the assumption of returns on the part of investors. So that hurdle has made a lot of these properties impaired, essentially. And then the other subclass is older multifamily properties. Think about those beautiful old apartments in the middle block up on the east side or the west side of Manhattan. They're not big enough to be viable, and so they have become this kind of subprime asset class, much in the way if you recall the signature bank failure, they typically bank these sorts of real estate properties, and now there's nobody that wants them. I think you're going to see some very specific pain coming out of HUD, and also Fannie Mae and Freddie Mac because they bank some of these smaller properties that really aren't bankable by commercial banks. That's what it comes down to. If you're going to read about this and hear about it a lot in the commercial market over next several years. And again, you know, the losses on bank owned multifamily properties today are averaging 100% so that means that there are a lot that have more expenses than simply losing the full loan amount. And you know, if you want to have a bank loan, they're not taking these properties. They don't want them, right? So the bank, REO rate, if you look at the data from the FDIC, is zero. And what that tells you is that they can't sell the properties they don't want them, because if they take ownership, the city's not going to let them abandon the property. They'll have to keep it and maintain it. It's a tough situation. This is. Has evolved over the last 20 years or so, because consumer incomes have been kind of stagnant in real terms. But the cost of operating a property in New York City is not going down. It's going up quite a lot, and the legislation we've seen from Albany doesn't allow owners to recapture expenses, doesn't allow them to renovate apartments. So if I have a rent stabilized apartment, I'll use a real example, in a beautiful building on Central Park South right, to renovate a unit that's been occupied for 20 years, new kitchen, new bathroom, sir, everything services. That's $150,000 so if I'm the owner and I can't recapture that cost. What do I do? I lock the door, I gut the apartment, and I lock the door, and I hope that the laws will change in the future, because I can't rent it, my insurance underwriter will not allow me to rent out an apartment that's not brought up to code. That's New York law, but the folks in Albany don't care about that. We have some really unreasonable people in positions of authority, unfortunately, in some of these states, and you talk to them about these issues, and they don't care. They just pander to consumers, regardless of whether or not it makes sense or not. And that's just the way it is.   Keith Weinhold  16:15   Those evil landlords, quote, unquote, most right evil. They're just mom and pop investors that are trying to beat inflation with real assets, and they have real expenses. Rent Stabilization basically just being a genteel term for rent control, which gives no one an incentive to improve a property for sure   Chris Whalen  16:35   and it reduces the availability of housing ultimately, because nobody builds. You see that in New York right now the home market is pretty tight, up to the conforming limit for Fannie Mae and Freddie Mac so you figure a million, 1,000,002 here in New York. But above that, it's quieted down quite a lot. There's compression in some of the higher end homes. And you know, if you go down south, you see a different problem, which is over building. They didn't want to build here, so they went down to the Carolinas and Texas and Florida. There's a huge amount of both multi family condo type developments and single family homes too. But above that average price level way above half a million dollars.   Keith Weinhold  17:15   Sure, it's made this dynamic where things have been flip flopped in the Northeast and Midwest, where the populations aren't growing very fast, those markets have been appreciating more than those in the high growth southeast, all coming back to supply. They're not bringing on enough new supply in the Northeast and Midwest, Chris has just laid out a few reasons for that, due to this high regulation. And then in the southeast, a high growth area, even though that's where people are moving, we're not getting much appreciation there, because you're able to build and that supply is able to keep up with demand. Well, Chris and I are going to talk more about the housing market and about inflation. When we come back, you're listening to get rich education. Our guest is Chris Whelan, the author of a great new book. I'm your host. Keith Weinhold.   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat with President Caeli Ridge personally. While it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866.   Kathy Fettke  19:45   this is the real wealth network's Kathy Fettke, and you are listening to the always valuable get rich education with Keith Weinhold.    Keith Weinhold  20:00   You welcome back to get rich education. We're talking with the author of a great new book, Chris Whelan, it's called inflated money, debt and the American dream. Chris, I see the residential housing market and their price points as being resilient. I'm kind of looking around and seeing if you have any places where you think that there are any cracks in that? I've heard you talk elsewhere about a housing price correction. Were you talking in the one to four unit space? And how do you think that could happen?   Chris Whalen  20:31   I didn't come up with that idea. I did a biography of my good friend Stan middleman, who's the founder of freedom mortgage. It's a real rags to riches story of a successful entrepreneur, a great guy, by the way, is a beloved man in the mortgage industry. And so what he believes is that cycles are about a decade in terms of human behavior. And he says misery on the eights, which is kind of a cute way of saying it. And what Stan is basically saying is you eventually see so much price appreciation that affordability goes to zero. You run out of buyers, is another way to put it. And then once the Fed gooses it, he thinks we see an interest rate decline this year next year, perhaps you get rates to run a little bit. You get volumes to jump the way they did last summer. You remember, in the third quarter, we had great volumes in the mortgage industry, carried everybody through to the end of the year, and then after that, he says, we get a price correction, maybe back down to 2020 21 levels. So we're talking about a 20% price correction, and we're talking about the loans that have been made in the last few years being underwater. That's something we haven't talked about in a long time. We haven't talked about that since 2008 so I think that Americans inevitably have to see some kind of a correction. What the Fed did was wrong, what they did was excessive. I write about that in the end of my book, but unfortunately, the result is home prices that have galloped along, and eventually you got to reset it. Part of its supply coming online. Part of it is simply, like, I say, you run out of buyers, and when it's simply that purchase buyer who is either all cash or happens to have the deposit, and that's all you have. And there's no flexibility for people that want to get into the market. You know, that's tough. I could recall Paul Volcker years ago, we were talking about that in the book too. He ratcheted down home prices. He raised interest rates so much that home prices went down, and a lot of builders went out of business who had had a lot of snls go out of business, and, you know, the previous decade. So that was a tough time. We didn't even start to do that this time around, because they were afraid to the Fed is worried about keeping the Treasury market open, so they are afraid of deflation, which unfortunately means you don't get those opportunities to get into the market. I remember my parents, when I was very young, they would buy busted homes in Washington, DC. It was a great way to make a lot of money, and in five years, the House would double. That's the kind of market Washington was   Keith Weinhold  23:05   in my opinion, I don't see how there could be any substantial residential home price correction. Historically that happens when there's a wide swath of homeowners that get into financial trouble, like I was talking about earlier, the homeowner is in great financial shape today. In fact, since World War Two, we've only seen home prices drop substantially during one period. That was that period around 2008 and that's when we had conditions that are opposite of what they are today. We had loans underwritten with liar loans. We had an over supply of homes, like I was saying earlier, inflation can't touch one's principal and interest payment. We're still under supplied with homes. Most experts don't think we'll get that into balance for at least five years. I really don't see how home prices could fall substantially. I also don't see how they could rise substantially, like, say, 10% due to that low affordability, but I expect continued stability in prices?    Chris Whalen  24:02   Well, we'll see. I'm not as sanguine about that, because a lot of people feel house rich on paper, but when the bottom of the stack is really hurting as it is now, FHA delinquency rates really are in probably the mid teens. You don't see that yet in the middle with the 727, 40 FICO type borrowers. But I think over time you could, and if, again, it depends on the economy and some other factors, but I'll tell you right now, you're already seeing a correction in the hyad the bottom half, no. And there's a supply problem here, which I agree with you on. It's going to keep those home price is pretty firm. And even where I am in New York, for God's sake, Keith, there's no construction here. So we just had a house across the street from me go from million one. I live in Sleepy, hollow New York, and you know, this is typically around the conforming limit for prices for most of these homes, and it went for 150 $1,000 over the ask, it was crazy. Went in two weeks now, during COVID, we saw this sort of behavior, and we thought, Well, okay, you had zero interest rates. I got a 3% mortgage, by the way, awesome. But here we have a situation when markets cooled down a lot, and yet the lack of availability is really the driver. So in that sense, I agree with you, but I do think the high end could correct rather substantially.   Keith Weinhold  25:24    And of course, in multi family apartments, that's different. That's where values in a lot of markets have been depressed by more than 30% they were subject to those interest rates being jacked up, and we're still going to see balloon loans mature and people default on those in apartments. The pain is not over with air, but at some point that's going to bottom out, and that'll be a buyer opportunity in apartments.   Chris Whalen  25:47    Well, the thing is, new stuff is going fine. It's what happens is when the new gets built, the older assets down the road get discounted. That's really what's going on. People love new as you know, these kids love a new house, as opposed to an older house.   Keith Weinhold  26:02   Yes, that'll help reset the prices in the new market when you can compare those to what existing values are. Well, Chris, talk to us more about your new book and what the overall thesis of the book is in these critical times.    Chris Whalen  26:16   Inflated is meant to help people understand how our country went from agrarian, sleepy, isolationist America in the 1900s to being the dominant economy in the world and the provider of global money. We talk about how we got here. We talk about Abraham Lincoln and Franklin Roosevelt and many other characters. Obviously, we had to talk about Andrew Jackson, who is now embodied in our president, Donald Trump. We try and frame how this is all going to evolve in the future. And my thesis is basically the global currency role is something you get during or after a war. We took the baton from Great Britain after the First World War, and then by the end of World War Two, everybody in the world was broke, except for us. It was last man standing. And so rebuilt the world. We let everybody take advantage of us, and now President, who's saying, Nope, we got to change this. I think if it wasn't Trump, it would be somebody else. To be honest with you, Americans are tired of high inflation. They're tired of some of the other costs that come along with being the global reserve currency, so we try and frame all of this in an understandable way. And I particularly talk about housing during COVID and how that all really, I think, changed things for many Americans. Home ownership has been one of the basic ways we create wealth in this country, and the fact that we didn't have an opportunity for people to get in cheap with a fixer upper or a house that was foreclosed. You know, I think it's unfortunate, but the system just can't tolerate it. We've gone in 2008 and then in 2020 through two very significant crises when the government bond market stopped working. So we talk about that as well.   Keith Weinhold  28:03   I don't predict interest rates. I think it is really difficult to do you mentioned earlier about the prospect for lower interest rates coming. Everyone wants to know about coming. What's your outlook for the future of interest rates and inflation for just say the next five years? Chris,    Chris Whalen  28:19   I think interest rates will drop. That is to say what the Fed controls, which is short term interest rates. In the next year or so, we'll have a little bit of a boom as a result. But I think the concern about the federal deficit and US debt, the volatility caused by President Trump's trade strategy, and just general I think a sense of uncertainty among investors is going to keep long term interest rates higher than we saw during COVID And really the whole period since 2008 the Fed bought a lot of duration and took it out of the market, so they kept rates low. They're not going to do that as much in the future. I don't think they'll buy mortgage securities again, they are very chastened by that experience. So if they don't buy mortgage backed securities, and if the banks don't become more aggressive buyers, and I don't think they will, then you know, the marginal demand that would drive mortgage rates down is just not going to be there. Banks have been holding fewer and fewer mortgages and mortgage backed securities on their books for 35 years. If you look at the growth in the industry, the dollar amount of one to four family mortgages hasn't changed very much. So when you look at it that way, it's like, you know what's wrong? Two things. They want to only make mortgages to affluent households. They want to avoid headline risk and litigation and fines and all of that. And I think also, too some of the Basel capital rules for banks discourage them from holding mortgages and mortgage servicing rights, which is an area I work in quite a lot.   Keith Weinhold  29:55   It seems to me, like increasingly, the powers. It be the United States government just won't let the homeowner fail. They want to do so much to promote home ownership over the long term, we see relative ease with getting a mortgage. We've seen lower down payment requirements during other times, including COVID. We see the government jump in with things like mortgage loan forbearance and an eviction moratorium for renters. They just don't want to let people lose their homes. It just seems like there's more propensity to give homeowners a greater safety net than ever. Well,   Chris Whalen  30:29   we've turned it into an entitlement. Yeah, and Trump is changing that at the federal level. The states, the blue states, are going to continue to play that game at the state level, and they can even have state moratoria. But what's going to happen, and I think sooner rather than later, is you may see the federal agencies start to tier the states in terms of servicing fees, simply to reflect the cost. It takes over 1400 days to do a foreclosure in New York. Gosh, that is a big problem. You can lose the lien in New York now, it takes so long. So I think that, you know, from an investor perspective, from a developer perspective, it's not an attractive venue. That's just the reality. Then you even California is as progressive and as activists as it is, you can still get a foreclosure done very quickly using the trustees. It's just a totally different situation. If there are complications, you can get into a judicial foreclosure, which will take longer. But still, California works. New York is deliberately dysfunctional. We have people in the state legislature who are in foreclosure themselves, and they keep passing these laws. So, you know, I think at the federal level, you're going to see it roll back to pre COVID, but I will say that forbearance, both with respect to the agency and conventional market and private loans, is kind of the rule. Now we work with the borrower much more than we would in the past. It's it is really night and day.   Keith Weinhold  32:00   Chris, your new book has gotten a lot of acclaim. Let us know anything else that we should know about this book, and then if we can get it in all the usual places   Chris Whalen  32:10   you can buy it at Barnes and Noble Amazon. I have a page on my website, RC, waylon.com, with all the relevant links. But the online is the best way to get it. Most of the sales are on Kindle anyway, but well over 90% are online, so we don't have to worry about physical books. I think we'll be doing some book signings in the New York area. So we'll definitely let you know about that.   Keith Weinhold  32:33   One last thought is that the rate of inflation means more to a real estate investor than it does to a layperson, maybe five times as much or more, because when we borrow for an income property, our asset floats up with inflation. That part's really just a hedge on inflation. Our debt gets debased by inflation, which is really a mechanism for profiting from inflation over time. And then, thirdly, our cash flow tends to go up even faster than the rate of inflation, since our principal and interest stays fixed, so real estate investors can often be the beneficiary of inflation. It's sort of strange to go root for a force like inflation that can impoverish so many people. But what are your thoughts with respect to real estate investors and inflation?   Chris Whalen  33:19   Well, you know, it's funny when Jerome Powell at the Fed says that they have a 2% inflation target, my response is, well, we better have at least 2% inflation if we're going to make commercial real estate work. Commercial real estate went up for 75 years after World War Two. I can remember when I was in the rating business at Crowell bond ratings going to see some of the banks here in New York, their multifamily books had only seen the equity underneath the asset go up and up and up. In other words, the land ended up being 90% of the value, you know, 1520, years after the purchase and the improvements were almost worthless simply because the land appreciated so much. Now that has changed since COVID. A lot of commercial real estate, particularly has gotten under a bit of a cloud. You've seen falling prices. However, in parts of the country that are growing where you have a positive political environment, positive economic environment, you're still seeing fantastic growth in both commercial and multifamily markets. So I think being very careful and patient in doing your homework in terms of picking venues is more important now than ever before. You know, I'll give you an example. Down in Florida, we're building new malls every day. The mall down the road that's 15 years old. There's nothing wrong with it, but it's 15 years old. And so the price discounts that you're seeing for existing assets are rather striking. Same thing down in the Carolinas, down in, you know, Atlanta, and going down to the Texas growth spectacle, I'm always astounded by what's going on in Texas. They built so much in that whole area around South Lake, out by the airport. It, they're going to basically subsume used it. So, you know, in those markets, you have great opportunities, but you also have over building. And so we're going to see some cycles where they're going to be deals out there for projects that maybe were a little too ambitious have to get restructured, and astute investors can come in and do very well on that   Keith Weinhold  35:20   like we often say around here, in real estate investing, the market is typically even more important than the property itself. The name of Chris's new book, again, is inflated money, debt and the American dream. It has an awful lot of intersections with real estate investors and how they can play inflation. Uh, Chris has been a terrific conversation about the real estate market and larger market forces. It's been great having you here on the show.   Chris Whalen  35:47   Thank you, Keith. Let's do it again.   Keith Weinhold  35:49   Yeah, some good insights from Chris, a smart guy. And gosh, what a really sad state for rent stabilized apartments in New York City, where landlords of some of those properties, they would have to spend sometimes hundreds of 1000s of dollars in order to bring them up to code, but then they couldn't charge enough rent to offset those expenses due to government intervention and price fixing, so landlords just lock up the property vacant. And this sort of harkens back to when we were talking about some of this last year, when we had documentary film maker jen siderova on the show with her film called shopification, and it was about how rent control slowly makes neighborhoods fall into disrepair. All right, Chris and I had some difference of opinion there on the prospects for a home price correction. I think I made most of my points. He did, though, talk about running out of home buyers. If I have him back, maybe I'll pick up right there. More buyers are baked into the demographics, like I think I shared with you one time the US had its highest ever birth rate years between 1990 and 2010 more than 4 million births per year for a lot of those years. Just to review this with you, you might remember that 2007 was the US is peak birth year. Add 38 years to that for the average first time homebuyer age, and that housing demand won't even peak until 2045 and it will continue to stay high for a few years after that. So that's where the demand is just going to keep coming from, just piling on. And when I say that loan conditions have eased for American homeowners, like I did there during the interview, of course, what I'm talking about is the long term. I mean, lending conditions got more rigid after 2008 and with the adoption of Dodd Frank. What I'm talking about is, before the Great Depression, it was most common to have to make 50% to 60% down payments on property, and you had to repay the entire note in five to 10 years. I mean, can you imagine how that would hurt affordability today and then later, by 1950, 15, year loans were the common one. I mean, even that would impair affordability today. Today, 30 year loans are the common one, and you can put as little as 3% down on a primary residence. A lot of people don't know that either. It does not take 20% on a primary residence. So that's what I mean about the relative ease of credit flow today. Now, Chris has knowledge about other parts of the real estate market that I don't for his work inside DC and in other places like the foreclosure market. We talked about some of that right after the interview. For example, He was letting acronyms like NPL roll off his tongue, and I had to ask him what that meant. That's a non performing loan. Check out Chris's new book. Again, it's called inflated money debt in the American dream. And again, his website is RCwhalen.com and Chris also has a great sense of history, which we didn't get into, longtime real estate guys radio show co host Russell gray and I will discuss monetary history here on the show soon. Like I said, I'm coming to you from Edinburgh, Scotland this week, even if you don't see great sites, you know, it's interesting just walking the historic streets here, if you're an American that's visited here before, you surely know what I mean. And I told you that I'd let you know, the current real estate transaction I'm involved in is paying $650 a night for the hotel here in Edinburgh. Yes, that's a lot. I've actually paid less for fancier places in Dubai, but this hotel here is on the Royal Mile. Of course, I could have found less expensive accommodations elsewhere.    Speaking of less expensive, here's an announcement. And we have new investment property providers at GRE marketplace, two of them, the markets are both in Oklahoma, and they are Oklahoma City and Tulsa, Oklahoma as a state, is known for landlord friendly eviction processes and legal systems, kind of the opposite of New York. So this makes your property management more predictable. Now, when we look at this city, OKC has the lowest priced new single family rentals. I can think of it under 160k Yes, that really puts the exclamation point on inexpensive and favorable rent to price ratios often exceeding 1% which is obviously attractive for cash flow, meaning a 150k single family rental could yield over $1,500 in rent. There's high rental demand in certain sub markets. We have scouted out those exact places for you in the OKC metro, like Edmond Moore spelled M, O, O, R, E, and Midwest City, all supporting consistent rent income, though it was once really oil dependent, OKC has diversified economically, reducing your risk tied to commodity cycles and ok sees local economy that's supported by industries including aerospace, energy, health care and logistics. Then there's Tulsa. Tulsa has the highest cash flowing new build duplexes, perhaps anywhere in the US that I know about. On the single family rental side, a lot of Tulsa investors can find properties under 150k with monthly rents again exceeding 1% of the purchase price, clearly ideal. So yes, both Oklahoma City and Tulsa are now on GRE marketplace. You can either visit the pages and see them there, or one of our qualified, experienced GRE investment coaches. Meet with them. They can help guide you to the very best deals and show you the specific property addresses available right at this time for whatever best meets your needs. If you're looking to either start or expand to another market and you seek cash flow, you really need to consider Oklahoma. Yes, it is free to have a strategy session with an investment coach, whether that's for Oklahoma or other investor advantage regions. I often like to leave you with something actionable. You can start at GREinvestment coach.com start book a meeting for a free strategy session remotely. That's at GREinvestment coach.com, until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Dolf Deroos  42:51   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. 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  43:14   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access and it's got pay walls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you'll also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre to 66866. While it's on your mind, take a moment to do it right now. Text, gre to 66866.   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

IDC's Meredith Whalen, Chief Research and Data Officers shares research updates, including the IDC Global Benchmark Study on enterprise AI strategies to build the AI fueled business.

Andrew discusses prophetic words for President Trump, the truth coming out about lies we've been told, Comey and “86”, a decade's long military operation coming to fruition, and more! Connect with Andrew Whalen at https://www.vanquishpw.com. To register to be "in-person" for the ElijahStreams June 20 event in Albany, Oregon, go to: ElijahStreams.com/Events Note: this will be livestreamed online for FREE on our ElijahStreams channels and you do not need to register if joining us online. Thank you for making the always-free Elijah List Ministries possible! Click here to learn how to partner with us: https://ElijahStreams.com/Donate Prefer to donate by mail? Make your check or money order (US Dollars) payable to: “ElijahStreams” and mail it to: ElijahStreams, 525 2nd Ave SW, Suite 629, Albany, OR 97321 USA

Send us a textTwo physicians challenge everything you thought you knew about weight loss in this eye-opening discussion on the biology behind obesity. Dr. Rocio Salas-Whalen, a triple board-certified endocrinologist and obesity medicine expert, joins Dr. Daria Hamrah to reframe obesity as a complex medical condition—not a failure of willpower.The conversation delves into why "eat less, exercise more" fails most people long-term. Dr. Salas-Whalen explains how genetics can account for up to 70% of obesity risk, with parents' weight before conception significantly affecting their children's predisposition. Beyond genetics, we learn how hormonal changes, aging, and environmental factors create what she calls "the perfect storm" working against sustainable weight loss.Perhaps most fascinating is the detailed explanation of how GLP-1 medications work by targeting both survival and reward eating patterns. Unlike restrictive diets, these treatments address the biological roots of weight regulation while providing psychological relief many patients describe as life-changing. The doctors share moving patient stories, including one man who transformed so dramatically he was unrecognizable—ultimately quitting his job to become a nutrition specialist after experiencing the profound impact of effective treatment.The episode also covers the alarming impact of endocrine-disrupting chemicals found in everyday items like plastic bottles and food containers, with practical advice on reducing exposure. You'll learn why building muscle might be the most important thing you can do for metabolic health, and why body composition analysis offers far more valuable information than BMI alone.Whether you're struggling with weight, supporting someone who is, or simply interested in the science of metabolism, this conversation offers compassionate, evidence-based perspectives that could change how you think about health forever. Listen now to understand why weight management shouldn't be treated as a cosmetic concern—but rather as the serious medical issue it truly is.Dr. Rocio Salas-WhalenIG: @drsalaswhalenNEW YORK ENDOCRINOLOGY, P.C.1107 PARK AVENUENEW YORK, NY 10128PHONE / (212) 722-ENDO (3636)FAX / 212.722.3639Tweet me @realdrhamrahIG @drhamrah

This podcast episode features an enlightening conversation with Mike Whalen, a distinguished figure in the realm of sports broadcasting, who reflects on his pivotal role in establishing the Golf Channel. Whalen recounts the challenges and triumphs of creating a network from the ground up, emphasizing the importance of inclusivity and compelling storytelling in sports media. Through his narrative, we gain insights into the evolution of golf broadcasting and the dynamic interplay between production quality and audience engagement. Moreover, the discussion delves into the contemporary landscape of sports commentary, addressing the influence of social media and its implications on public discourse. Ultimately, this episode serves as a profound exploration of the intersection between sports, media, and community engagement, revealing Whalen's enduring impact on the golfing world.Links referenced in this episode:birdieball.compaintedhillsnaturalbeef.comCompanies mentioned in this episode: Painted Hills Natural Beef Birdie Ball Golf Channel HBO This podcast uses the following third-party services for analysis: OP3 - https://op3.dev/privacy

After returning from her own parental leave to find her team struggling and her career momentum stalled, Allison Whalen knew this wasn't just a personal challenge—it was a systemic issue. That insight led her to launch Parentaly, a company helping employers turn parental leave into a strategic advantage rather than a career disruption. In this […]

EPISODE 465 | American Deployed: The Stories & Songs of Greg WhalenIn this powerful episode, we sit down with Marine veteran and musician Greg Whalen, whose soul-stirring songs chronicle his deployment during the chaotic U.S. withdrawal from Afghanistan. With raw honesty and insight, Greg shares the human story behind headlines—experiences of fear, faith, brotherhood, and beauty found in the ashes.We feature three of Greg's original songs—now streaming on all major platforms (Spotify | iTunes)—and explore how music became both a lifeline and a testimony. More than a military account, this is a story of every heart that battles, breaks, and believes.We also invite you to join our daily spiritual movement at LiveITToday.us—uniting believers in God's Word and identity—and to help us share the life-changing story at SlayingGiants.us.Tune in. Be refreshed. Be challenged. Be transformed.OUR MISSION: We're uniting families in building the Kingdom. Over the past ten years, thousands have been blessed by a "family roadmap." We've been united in gathering in our respective homes every week to talk and pray using a fun, meaningful "Live IT Gathering Guide" based on subsequent Sunday readings. Get your free LIT Guide at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ILoveMyFamily.us⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or the Live IT App at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠http://MassImpact.us/APP⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.We would be so grateful for your prayers, engagement, and ⁠⁠⁠⁠⁠⁠⁠⁠Partnership⁠⁠⁠⁠⁠⁠⁠⁠.GO: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://MassImpact.us/PARTNER⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠We are a full-time missionary movement 100% dependent upon your prayers and financial partnership.SUPPORT OUR MISSION BY USING OUR AMAZON BUTTON⁠⁠⁠⁠⁠⁠⁠⁠:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/461FFAT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BUY ⁠⁠⁠⁠⁠⁠⁠⁠⁠GREG'S BOOKS HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Twelve Roses" 12 Messages. ONE LIFE.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/4gX4Glu⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"The Magnificent Piglets of Pigletsville: Our Present-Day Plight Wrapped in a Fairytale"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.to/3KIX87x⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠IF YOU'RE A CATHOLIC MAN interested in missioned friendships marked by the hearts of men united in striving to build the Kingdom. GO:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://Pentecost365.us⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SUPPORT CATHOLIC BUSINESSES and leaders committed to professional excellence and building the Kingdom. GO: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://MassImpact.us/KINGDOM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Oh, Most Holy Spirit, come and IGNITE the Great FIRE of Your Love! Set it ABLAZE in our minds and hearts!#Friendship #Mission #Catholic #Marriage #Family #ilovemyfamily #ThyKingdomCome #christian #home #faith #children #virtue #holiness #funny #inspiring #love #parents #happiness #heaven #politics #culture

5/20/25: Rep Aaron Saunders: a good state budget, a devastating federal one. NHS teacher Jeromie Whalen: his friend Mahmoud Khalil still in immigration detention. Comedy Quiz w/ Maddy Benjamin, Scott Braidman & Dan Torres – for the birds! Hampshire Prof Michael Klare: Israel, Gaza, Russia, Ukraine, India, Pakistan, NATO, & also, Trump's successes?

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to the show to discuss his newly released book "Inflated: Money, Debt and the American Dream." Sponsors: Monetary Metals. https://monetary-metals.com/julia Kalshi: kalshi.com/julia In this episode, Whalen offers a contrarian perspective on current markets, dismissing recession fears while highlighting a "silent recession" in commercial real estate. He draws parallels between Trump and Andrew Jackson, explains why the Treasury-Fed relationship is America's most important economic factor, and predicts zero rate cuts this year despite market expectations. Whalen argues that America's addiction to inflation has benefited asset holders while hurting average citizens, creating a housing affordability crisis and warning of an impending commercial real estate collapse that could become "the new subprime."Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:0:00 - Introduction and welcome back Chris Whalen 0:31 - Discussion about Chris's new book release 2:04 - Current market analysis and tariff situation 2:35 - Trump's fiscal plans and Congressional challenges 3:58 - Credit to Chris for predicting tariffs as "distraction" 4:21 - Chris's investment positions 5:09 - America's addiction to debt 7:35 - Treasury market and Fed priorities analysis 9:02 - Banks' lack of credit demand issue 11:22 - Inflation misconceptions 13:43 - Trump/Jackson parallel 15:33 - Fed/Treasury relationship change post-2008 17:09 - Trump's vision for economic role of government 18:06 - Solutions for national debt 19:37 - Inflation impact across economic classes 21:33 - Housing market issues and starter home costs 24:56 - 2% inflation compounding effects 26:08 - Inflation's role in addressing national debt 28:49 - Recession outlook discussion 30:36 - "Silent recession" in commercial real estate 31:55 - Why rate cuts aren't needed 33:37 - Commercial real estate as "the new subprime" 35:29 - Government as housing lender of last resort problems 37:06 - Closing remarks

Andrew discusses the anointing that breaks the yoke, the Word of the Lord coming full circle, sowing prayers into America, and more! Plus, Andrew Sorchini of Beverly Hills Precious Metals Exchange also joins us to tell us more about buying gold & silver. Connect with Andrew Whalen at https://www.vanquishpw.com. To sign up for the “When Kings Go To War” Bootcamp, click here: https://thevanquishpw.life/when-kings-go-to-war Connect with Andrew Sorchini at www.bh-pm.com or elijahstreams.com/gold To buy your ElijahStreams silver coins go to: elijahstreams.com/gold To register to be "in-person" for the ElijahStreams June 20 event in Albany, Oregon, go to: ElijahStreams.com/Events Note: this will be livestreamed online for FREE on our ElijahStreams channels and you do not need to register if joining us online. Thank you for making the always-free Elijah List Ministries possible! Click here to learn how to partner with us: https://ElijahStreams.com/Donate Prefer to donate by mail? Make your check or money order (US Dollars) payable to: “ElijahStreams” and mail it to: ElijahStreams, 525 2nd Ave SW, Suite 629, Albany, OR 97321 USA

5/13/25: Rep Pat Duffy: Medicaid cuts, affordable housing & unregulated cannabis. Educ Collab Ex Dir Todd Gazda, underfunded schools. Jeromie Whalen: his friend, Columbia U student Mahmoud Khalil imprisoned in LA. Prof Carrie Baker w/ author Rachel Simmons: girls & women in charge. Duke Goldman: Red Sox Nation.

Send us a textEpisode 126: John R. WhalenFort Mitchell Kentucky Police Department (Via Open Records Request)The Cincinnati Enquirer, “Man arrested on sex charge” By Joe Wesselshttps://law.justia.com/cases/kentucky/court-of-appeals/2002/2001-ca-000684.htmlwww.familywatchdog.usPatreon Supporter: https://www.patreon.com/operationevilpodcastBuy Me a Coffee: https://www.buymeacoffee.com/operationevil Link to Operation Evil Notebook for purchase: https://www.amazon.com/Operation-Evil-Notebook-Crime-Podcast/dp/B0BQY4RNRD/ref=sr_1_1?crid=1KD47LOHSZM1L&keywords=nyoka+johnson&qid=1677893619&sprefix=nyoka%2Caps%2C180&sr=8-1 Facebook: https://www.facebook.com/operationevil Email us! Operationevilpodcast@gmail.com Support the show

148 Exploring Compassionate Coaching and the Power of Grief Improv Theater with Erin Whalen In this episode of Hospice Explained, host Marie Betcher RN interviews Erin Whalen, founder of Compassionate Coaching. Erin shares her unique approach to supporting grieving individuals and end-of-life professionals through her workshops, trainings, and interactive programs that blend acting, facilitation, and playback theater. Erin discusses her inspiration drawn from her personal experiences with grief and her background as a professional actress and role player in medical education. The conversation delves into the significance of effective communication in healthcare, the impact of Erin's work on grieving individuals, and the unique healing processes provided by grief improv theater. Listeners also learn how Erin's various projects and performances have transformed lives by bringing empathy, connection, and healing to those navigating grief. 00:00 Introduction and Disclaimer 00:29 About the Host and Podcast 00:48 Cloud9 Care System 01:44 Interview with Erin Whalen Begins 02:19 Erin's Background and Compassionate Coaching 03:45 Erin's Acting Career and Role in Medical Education 04:55 Grief Improv Theater 06:30 Helping Doctors with Hard Conversations 10:02 Erin's Passion for Grief Improv Theater 13:56 Playback Theater Process 19:26 Virtual Playback Theater and Location 24:43 Impactful Stories and Testimonials 32:11 Conclusion and Contact Information   Contact Erin: Interested in our Grief Improv Theatre? Check out Compassionate Coaching  Connect with me on LinkedIn Join the waitlist for my book!  Hospice Explained Affiliates & Contact Information Buying from these Affilite links will help support this Podcast.  Maire introduces a partnership with Suzanne Mayer RN inventor of the  cloud9caresystem.com,  When patients remain in the same position for extended periods, they are at high risk of developing pressure injuries, commonly known as bedsores. One of the biggest challenges caregivers face is the tendency for pillows and repositioning inserts to easily dislodge during care.(Suzanne is a former guest on Episode #119) When you order with Cloud 9 care system, please tell them you heard about them from Hospice Explained.(Thank You)  If you would, you can donate to help support Hospice Explained at the Buy me a Coffee link  https://www.buymeacoffee.com/Hospice Marie's Contact Marie@HospiceExplained.com www.HospiceExplained.com   Finding a Hospice Agency 1. You can use Medicare.gov to help find a hospice agency, 2. choose Find provider 3. Choose Hospice 4. then add your zip code This should be a list of Hospice Agencies local to you or your loved one.      

#featured #espnarkansas #trentwhalen #christianjohnston #wps #gohogs

¿Hace tiempo no te detienes a preguntarte en qué punto estás de tu vida? "El Arte de Reinventarte" es un programa de 11 días para reconectar contigo y redirigir tu camino con intención. Inscríbete aquí

Send us a textSchedule an Rx AssessmentPill bottles don't talk...but what if they could? Now you can know exactly how (and when) patients take their meds.That's the power of Remote Therapeutic Monitoring!And on this week's episode of The Bottom Line Pharmacy Podcast, we're diving into the mechanics of Remote Therapeutic Monitoring.Bonnie Bond, CPA, and Austin Murray sit down with Jen Whalen, Director of Clinical Operations at MedSense, and Matt Gilbert, VP of Business Transformation at RxSafe/Eyecon to explore:- Remote Therapeutic Monitoring as a New, Billable Revenue Stream- How real-time adherence tracking works with any packaging- Long-term Care Layering and How MedSense Fits right in- Reducing Workload While Increasing Patient InsightJoin the discussion with us!Click here for the transcript.Stay connected with Medsense and RxSafe:Jennifer Whalen LinkedInMatthew Gilbert LinkedInMedsense WebsiteMedsense LinkedInRxSafe WebsiteRxSafe LinkedInRxSafe InstagramRxSafe YouTubeStay connected with us:  FacebookTwitter (X)LinkedIn InstagramScotty Sykes – CPA, CFP LinkedIn Scotty Sykes – CPA, CFP Twitter More resources on this topic:Podcast | Driving Independent Pharmacy Profitability in 2025Podcast | Transforming Your Pharmacy: Supplements, Strip Packaging, and PBM ReformPodcast | Tradeshow Series: AtriumX, Telehealth, Functional Medicine

¿Hace tiempo no te detienes a preguntarte en qué punto estás de tu vida? "El Arte de Reinventarte" es un programa de 11 días para reconectar contigo y redirigir tu camino con intención. Inscríbete aquí

Andrew and Henry discuss helping many break free from pornography, Jezbel's witchcraft and human-trafficking, keys to purity, and more! Click here to find more about their ministries: Andrew Whalen: https://www.vanquishpw.com. Henry Hastings: https://www.henryandamanda.com and https://www.smctribe.com To sign up for the “When Kings Go To War” Bootcamp, click here: https://thevanquishpw.life/when-kings-go-to-war Thank you for making the always-free Elijah List Ministries possible! Click here to learn how to partner with us: https://ElijahStreams.com/Donate Prefer to donate by mail? Make your check or money order (US Dollars) payable to: “ElijahStreams” and mail it to: ElijahStreams, 525 2nd Ave SW, Suite 629, Albany, OR 97321 USA

“It ends with the banks looking like they did at the end of World War II... half of their book was government bonds,” says R. Christopher Whalen, investment banker and author. In a conversation with Daniela Cambone, he breaks down the systemic risks emerging in the treasury market. “Today the treasury market is basically a carry trade with a lot of hedge funds using 100 to 1 leverage. That's the market for treasury debt,” he explains, pointing to the fragility of the current system. Whalen also argues that the Bretton Woods framework has eroded and that the dollar's dominance is waning. “This dollar Imperium has run its course.” He believes central banks — including the U.S. Federal Reserve — should diversify their reserves to include gold alongside major currencies like the dollar, euro, and yen. He views gold as a strategic reserve asset with untapped financial utility. “I hope... the BIS is going to recognize gold as a high-quality liquid asset... it would become eligible to be collateral in swaps,” he says. Key Topics: - President Trump and Powell were going to cross swords.- The Fed struggles to manage the economy and rates.- Multifamily real estate is the subprime today.- The Fed should be holding gold.- The dollar is attractive because of our marketplace.- National debt has tripled in 15 years.

Subscriber-only episodeResources for the Community:___________________________________________________________________https://linktr.ee/theplussidezpodcast Ro - Telehealth for GLP1 weight management https://ro.co/weight-loss/?utm_source=plussidez&utm_medium=partnership&utm_campaign=comms_yt&utm_content=45497&utm_term=55______________________________________________________________________The Provider Spotlight is a bonus series of shorter episodes featuring doctors and specialists from past sessions—think of it as 'doctor shorts.' With over 25k scripts for Zepbound written weekly, many new subscribers haven't seen our earlier episodes, which helps them catch up quickly. Thanks for your support! Dr. Salas-Whalen joins The Plus Sidez to break down PCOS, insulin resistance, and metabolic disorders—and how they're all connected. ______________________________________________________________________⭐️Mounjaro Stanley⭐️griffintumblerco.Etsy.comUse code PODCAST10 for $ OFF______________________________________________________________________Join this channel to get access to perks:   / @theplussidez______________________________________________________________________#Mounjaro #MounjaroJourney #Ozempic #Semaglutide #tirzepatide  #GLP1 #Obesity #zepbound #wegovy Kim Carlos, Executive Producer TikTok https://www.tiktok.com/@dmfkim?is_from_webapp=1&sender_device=pc Instagram https://www.instagram.com/dmfkimonmounjaro?igsh=aDF6dnlmbHBoYmJn&utm_source=qr Kat Carter, Associate Producer TikTok https://www.tiktok.com/@katcarter7?is_from_webapp=1&sender_device=pc Instagram https://www.instagram.com/mrskatcarter?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==

Andrew discusses powerful revelations about the great Cloud of Witnesses, grabbing their baton, running our races well, and more! Connect with Andrew Whalen at https://www.vanquishpw.com. To join Strike Force 2025 click here, https://strikeforce.thevanquishpw.life Thank you for making the always-free Elijah List Ministries possible! Click here to learn how to partner with us: https://ElijahStreams.com/Donate Prefer to donate by mail? Make your check or money order (US Dollars) payable to: “ElijahStreams” and mail it to: ElijahStreams, 525 2nd Ave SW, Suite 629, Albany, OR 97321 USA

Building Trust and Credibility in School Communications - School PR is more than marketing; it's about strategic storytelling and transparency to build trust. Sandra shares how her district rebuilt trust after a failed bond project, leading to a 71% approval on the next vote.Overcoming Impostor Syndrome in School PR - Many communicators feel unqualified due to the wide skill set required, but recognizing strengths helps build confidence. Sandra introduces the Dunning-Kruger Effect, showing how self-awareness and professional growth can combat self-doubt.Leveraging Behavioral Science for Better Communication - Understanding psychology helps create messages that resonate and build stronger relationships with stakeholders. Using strategies like nostalgia-driven posts (e.g., Throwback Thursday) fosters emotional connections and engagement.Practical Strategies to Improve School Social Media - Consistency, storytelling, and leveraging help from staff, students, or alumni improve social media impact. "Posted is better than perfect"—focus on getting content out rather than overanalyzing every detail.SPECIAL GUESTSondra Whalen, APRDirector of Student Programs and CommunicationsVernon Verona Sherrill Central School District, New YorkEmail: swhalen@vvsschools.org LinkedIn:  https://www.linkedin.com/in/sondra-whalen-apr-03659029a/ Website: https://www.vvsschools.org Facebook: https://www.facebook.com/VVSDistrict USEFUL INFORMATIONRegister for Washington DC event - NSPRA 2025 Partner Power Session Registration- Social Media Workshop: The Secret to Plan, Create, & Execute a Strategy that Works! with Andrea Gribble - Sunday, July 20, 2025 - 8 am - noonSchool Communications Expertise AreasLove Story postOrder your copy of my book Social Media for Schools: Proven Storytelling Strategies & Ideas to Celebrate Your Students & Staff - While Keeping Your Sanity now!Interested in our membership program? Learn more here: https://socialschool4edu.com/MORE RESOURCESFree Video Training: Learn the simple secrets behind social media for K12 schools!Sign up for our free e-newsletter - click herewww.SocialSchool4EDU.com

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to The Julia La Roche Show for episode 247 to discuss tariffs, markets, and the economy. Sponsor: This episode is brought to you by Monetary Metals. ⁠https://monetary-metals.com/julia⁠ Chris Whalen explains why the tariff debate is largely a distraction - part of Trump's "shock and awe" strategy to force trading partners to negotiate fairer terms as America attempts to end the Bretton Woods system after 75 years. He sees credit deterioration emerging in auto loans and credit cards while warning about multi-family housing defaults, particularly in smaller urban properties where market indicators show values 50% below their last sale. Despite market fears, Whalen believes the bond market is already cutting rates regardless of Fed action, with the 10-year yield dropping to 3.94% due to strong demand for risk-free collateral and Treasury's efforts to reduce auction sizes. He predicts financial consolidation will continue, pointing to the mortgage industry shrinking to just five major lender/servicer groups, while suggesting investors should look for stock opportunities despite current volatility.Links: Twitter/X: https://twitter.com/rcwhalen Website: https://www.rcwhalen.com/ The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/ Inflated book (2nd edition): https://www.amazon.com/Inflated-Money-Debt-American-Dream/dp/139428571XStanley Middleman book: https://www.amazon.com/Seeing-Around-Corners-Achieving-Business/dp/B0D5PTSJVC/ 0:00 Introduction1:27 Tariffs 3:03 Market reaction assessment5:11 Investment strategy amid volatility7:40 Historical context of tariffs10:37 Main Street vs Wall Street priorities11:17 Impact and distribution of tariff costs13:30 Consumer credit and lending trends15:34 Multi-family housing defaults17:36 Real estate overbuilding concerns18:17 Consumer recession outlook20:46 Job market and recession dynamics22:57 Fed outlook and rate environment24:52 Balance sheet impact discussion26:56 Treasury market outlook29:36 Client questions about market positioning30:57 Closing remarks and contact information

Andrew shares powerful dreams of God cleaning the prophetic movement, catching the foxes, Jezebel exposed in the Church, seeing the great glory of God, and more! Connect with Andrew Whalen at https://www.vanquishpw.com. To join Strike Force 2025 click here, https://strikeforce.thevanquishpw.life Thank you for making the always-free Elijah List Ministries possible! Click here to learn how to partner with us: https://ElijahStreams.com/Donate Prefer to donate by mail? Make your check or money order (US Dollars) payable to: “ElijahStreams” and mail it to: ElijahStreams, 525 2nd Ave SW, Suite 629, Albany, OR 97321 USA

Natalie Whalen is a local comic, CHIRP DJ, and mediocre guitarist. She also loves to support and appreciate people who share their own version of these arts with the world. Natalie likes dogs, sandwiches, running, and adventure and chuckles in the face of a monotonous routine. The First Time is a live lit and music series recorded at Martyrs in Chicago's North Center neighborhood. Each reader tells a true first tale, followed by any cover of the storyteller's choosing, performed by our house band, The First Time Three. The First Time is hosted by Jenn Sodini. Production by Andy Vasoyan and Executive Producer Bobby Evers. Podcast produced by Andy Vasoyan. Recorded by Tony Baker.

In hour 1, we chat with independent journalist Casey Whalen. In hour 2 we ask "Where's the gold"?Casey Whalen Investigative Journalist and Proprietor of North Idaho Exposed X: https://twitter.com/casey_whalen Substack: https://caseywhalen.substack.com/ Rumble: https://rumble.com/user/northidahoexposed Support Casey here: Venmo / CashApp - NorthIdahoExposedPaypal - NorthIdahoRumble: https://rumble.com/c/TheFactHunter Website: thefacthunter.com Email: thefacthunter@mail.com Snail Mail: George Hobbs PO Box 109 Goldsboro, MD  21636

It's time for another edition of Out to Lunch. We're getting out of the studio and meeting different members of our community over a meal, at a restaurant of their choice. Today we'll hear a conversation MPR News host Nina Moini had with Lindsay Whalen. She's a Minnesota basketball legend with a storied playing career with the Gopher's and Lynx. Now she's coaching and gearing up for her first season as an assistant coach with the Lynx. Moini and Whalen met up at The Freehouse in the north loop neighborhood of Minneapolis for lunch.

Part 1:We talk with Jeet Heer, National Affairs Correspondent, The NationWe discuss the behavior of the Democratic Party. The are ineffectual, and leadership is lacking, with the exception of Bernie Sanders and AOC. They are following a program of cowardice, as exemplified by Schumer. Large law firms are caving to trumpists. Judges are at risk, with threats being uttered. When will it be 'enough' to make voters react?Part 2:We talk with Eamon Whalen, a freelance journalist who writes about the right wing, and about the 'masculinity culture'.We discuss with Mr. Whalen the 'crisis of masculinity, and its implications. Specifically, he writes about Richard Reeves, who is pushing this concept. Rather than concentrating on which MEN are pushing men, and others down, the theory goes that it is WOMEN who are pushing men, especially young men, down. This masculinity movement scapegoats women. Music: From David Rovics, “The Richest Man in the World Says So”, 2025

Mark Whalen has been with us for almost 20 years, from the streets of Sydney, Australia to a new life of a sculpture studio in Los Angeles. Now it is time we are with him: after losing his home in the Altadena fire of January 2025, I got in touch with Mark about a visit to The Unibrow's Radio Juxtapoz, but also to catch up on an immersive, darkly humorous series of works he was creating. It felt like the right time. In this conversation on the podcast, we find the inspiration behind the world Whalen has created, the stream of consciousness and deeply investigative construction of the sculptures, the materials, the fun, the pain, and how losing his home will inevitably transform the power of the work. Subscribe to the Radio Juxtapoz podcast! The Unibrow's Radio Juxtapoz podcast⁠ is hosted by Juxtapoz editor, ⁠⁠⁠Evan Pricco⁠⁠⁠. Episode 158 was recorded in Los Angeles on March 14, 2025. This episode of Radio Juxtapoz is brought to you by the generous support of the ⁠Artemizia Foundation,⁠ a world class museum of contemporary, graffiti and street art in Bisbee, Arizona.

Eamon Whalen joins us to talk about his cover story in The Nation on the “problem with men” in America, some of the emerging thought leaders — and their critics — and how some are trying to create space for thoughtful dialogue on the left for people to think through how the left can win over young men in this country.You can read his piece in The Nation here: https://www.thenation.com/article/society/richard-reeves-profile/ Our most recent premium episode, for paid subscribers, is available here: https://www.insurgentspod.com/p/ep-358-profiles-in-courage-20 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.insurgentspod.com/subscribe

In just a few years, these buddies went from line cooks at another restaurant to owning their other concept in one of Omaha's most historic buildings. How did they create the Dirty Birds empire so quickly? What about their fried chicken resonates so strongly with people? And what was it like to meet Guy Fieri and be featured on the Food Network?! Dan and Whalen answer all those questions and more in this fascinating, illuminating episode.This episode was sponsored by Semo Pasta. Homemade pasta from local ingredients and an unforgettable dining experience awaits. Buon appetito!This episode was also sponsored by Certified Piedmontese. Taste the difference quality beef products can make!This is a Hurrdat ONE Production. Hurrdat ONE is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat ONE Network by going to Hurrdat ONE Website or visit Hurrdat ONE YouTube Channel!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Parental leave isn't just about time off—it's about setting employees and businesses up for long-term success. In this episode, Allison Whalen, CEO & Co-Founder of Parentaly, joins host Sarah Sheridan to break down the real impact of parental leave on careers and organizations. They discuss why 94% of women return to work after paid leave, yet 75% consider quitting within 18 months, and how a manager's support can make all the difference. Allison shares data-driven insights on why re-onboarding plans matter, how small but meaningful policies can ease the transition back, and why businesses need to rethink leave planning to improve retention and performance. Whether you're an employer, HR leader, or working parent, this conversation will challenge the way you think about parental leave and offer strategies to make it work better for everyone.  

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to The Julia La Roche Show for episode 240 to discuss markets and the state of the economy. Sponsor: This episode is brought to you by Monetary Metals. https://monetary-metals.com/julia Whalen explains why market euphoria has faded under Trump's "shock and awe" strategy. Banks face a $3 trillion mortgage securities problem yielding under 3% against 3% funding costs. He notes the FDIC has stopped reporting troubled bank asset totals after 35 years, suggesting numerous insolvent institutions need resolution. Despite these issues, Whalen doesn't forecast a recession, seeing continued growth with isolated credit problems. In commercial real estate, he describes a "silent recession" where banks avoid taking properties, while for residential real estate he predicts price softening, then a rate-cut mini-boom before a major 2028 correction. Whalen also calls Fannie & Freddie stocks a "pump and dump" trade, states gold is "the only form of money that's not debt," and dismisses crypto as "nothing."Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.amazon.com/Inflated-Money-Debt-American-Dream/dp/139428571XStanley Middleman book: https://www.amazon.com/Seeing-Around-Corners-Achieving-Business/dp/B0D5PTSJVC/  0:00 Intro and welcome back Chris Whalen 1:06 Big picture market overview and Trump policy impact 2:49 Stock market as political proxy and market conditions 4:46 Fed policy outlook and potential rate cuts 6:09 Banking sector challenges and mark-to-market issues 8:07 Silicon Valley Bank anniversary and bank issues 11:10 Economic assessment and credit conditions 13:52 Commercial real estate challenges 16:11 Discussion of tariffs and Trump's structural changes 20:13 Debt, government spending, and economic growth 22:18 Investment approach and AI skepticism 24:36 Gold vs cryptocurrency perspective 25:58 Fannie Mae and Freddie Mac 27:29 Housing market conditions and affordability 29:50 Closing thoughts and where to find his work

Andrew discusses God setting up an ambush against His enemies, powerful dreams about Trump, Elon Musk, RFK Jr., and more! Plus, Andrew Sorchini of Beverly Hills Precious Metals Exchange also joins us for the first 15 minutes of the show to tell us more about buying gold & silver. Connect with Andrew Whalen at https://www.vanquishpw.com/. To join Strike Force 2025 click here, https://strikeforce.thevanquishpw.life Connect with Andrew Sorchini at www.bh-pm.com or elijahstreams.com/gold To buy your ElijahStreams silver coins go to: elijahstreams.com/gold Thank you for making the always-free Elijah List Ministries possible! Click here to learn how to partner with us: https://ElijahStreams.com/Donate Prefer to donate by mail? Make your check or money order (US Dollars) payable to: “ElijahStreams” and mail it to: ElijahStreams, 525 2nd Ave SW, Suite 629, Albany, OR 97321 USA

Josh Whalen, is an entrepreneur, philanthropist, and the visionary founder and CEO of Blokes, a cutting-edge telehealth platform revolutionizing men's health. Josh discusses the importance of health optimization for men, focusing on testosterone levels and the factors contributing to their decline. Josh shares his personal journey that led to the founding of Blokes, a company dedicated to helping men achieve optimal health through biomarker testing, precision supplementation and lifestyle changes. Blokes mission is to help men address their health challenges, giving them personalized, innovative solutions to help men optimize their overall well-being with the benefits of HRT, peptides and more. In this episode we discuss: Lifestyle Changes to Boost Testosterone Smart Supplements for Optimal Health Why men's testosterone is so low The importance of testing our biomarkers Correlation between Vitamin D and Testosterone  For full show notes and episode resources head to: https://ericalippy.com/joshua-whalen-of-blokes/ Find our guest at: Joshua Whalen & Blokes | Website , Instagram  Get Started Today With Blokes For Discount! For Women: Check Out Joi Wellness Follow me on Social Media: Your Host: @ericalippy Podcast: @passionlovepursuit Facebook YouTube PASSION LOVE PURSUIT PODCASTS: https://ericalippy.com/the-podcast/  

On today's episode we are going to serve the women today, but I also want to let my female listeners know that next week we are going to be helping the men out. So if you are listening to this episode and you are wanting to help support the man in your life as well, please check in next week as well for an episode geared for him.  I want to speak directly to my woman in her premenopausal years. It's that time we start to notice some changes and we can't quite put our finger on it. It's time to take out the guesswork and find out truly why you are experiencing brain fog, fatigue, weight gain, anxiety, or whatever is not making you feel at your very best.  Welcome on my guest, Katy Whalen. She is the CEO and Co-Founder of Joi Women's Wellness, a new telehealth platform that provides a goals-based, customizable experience to help women own their health journey and manage the hormone and age–related changes to their bodies. Katy and her husband Josh started Joi after experiencing the life-changing effects of hormone optimization and peptide therapies themselves. They developed Joi alongside top medical experts specializing in anti-aging and regenerative medicine to help women look and feel their best from the inside out. Katy shares her personal journey through hormonal imbalance, fatigue, and weight gain and how her search for holistic solutions led her to discover hormone optimization and peptide therapies, which ultimately transformed her life. Now she is helping you too.  In this episode we talk about: The importance of testing not guessing The solution to premenopause symptoms Hormone Replacement Therapy The benefits and use of Peptides Using smart supplements For full show notes and episode resources head to: https://ericalippy.com/katy-whalen/ Find our guest at: Joi Wellness | Website , Instagram  Get Started Today With Joi Wellness For Discount! For Men: Check Out Blokes  Follow me on Social Media: Your Host: @ericalippy Podcast: @passionlovepursuit Facebook YouTube PASSION LOVE PURSUIT PODCASTS: https://ericalippy.com/the-podcast/

Time to get down to bismuth! Our panel finds out if uranium is real, checks in on the Duolingo owl, and debates what Canada's next prime minister should bring to a knife fight. Craig Lauzon, Emma Hunter and Jennifer Whalen take the news quiz with host Gavin Crawford. 

Do you also circle the laptop like it might be venomous? You'll love this episode! Marybeth Mayhew Whalen is the author of Every Moment Since and 9 previous novels. Marybeth received a BA in English with a concentration in Writing and Editing from NC State University a long time ago and has been writing ever since. She is the co-founder of The Book Tide, an online community of readers where "a rising tide raises all books." Marybeth and her husband Curt are the parents of six kids who are now all in various stages of adulting. A native of Charlotte, NC, Marybeth now calls Sunset Beach, NC home.

Steve Shultz interviews Andrew Whalen. Andrew discusses dreams of special Military ops, President Trump plundering the thief, taking back America from evil doers, and more! Plus, Andrew Sorchini of Beverly Hills Precious Metals Exchange also joins us for the first 15 minutes of the show to tell us more about buying gold & silver. Connect with Andrew Sorchini at www.bh-pm.com or elijahstreams.com/gold To buy your ElijahStreams silver coins go to: elijahstreams.com/gold Connect with Andrew Whalen at https://www.vanquishpw.com/. Thank you for making the always-free Elijah List Ministries possible! Click here to learn how to partner with us: https://ElijahStreams.com/Donate Prefer to donate by mail? Make your check or money order (US Dollars) payable to: “ElijahStreams” and mail it to: ElijahStreams, 525 2nd Ave SW, Suite 629, Albany, OR 97321 USA

In the new sitcom “Small Achievable Goals,” co-creators Meredith MacNeill and Jennifer Whalen star as two women who are navigating menopause while also working in the podcast world. You might recognize the duo from the wildly funny all-female Canadian sketch comedy show “Baroness Von Sketch Show.” Meredith and Jennifer sit down with guest host Talia Schlanger to talk about “Small Achievable Goals,” its hilarious and subversive take on menopause, and how they had to overcome some of their own shame to make it happen.

On today's episode of Wedding Secrets Unveiled!, Ashly Whalen from Menta Graze joins us to share her extensive experience in the wedding industry. What began as a luxury picnic business during the pandemic has blossomed into something much bigger. Ashly brings her passion for blending one-of-a-kind experiences with bespoke décor to craft unforgettable events. Tune in as she shares tips and tricks for planning your bridesmaid proposal, bachelorette party, bridal shower, and beyond on today's episode of Wedding Secrets Unveiled! Please rate, review and subscribe to this podcast wherever you're listening so you never miss an episode. Even better share it with a friend! It's a great way to show your support and let us know what you think. Thank you for listening. To get the full show notes head to https://sarazarrella.com/2025/02/from-luxury-picnics-to-boutique-wedding-events/ For more information check out our website at www.sarazarrella.com/podcast Join our Monthly Newsletter for tips, tricks and Freebies! https://sarazarrella.com/newsletter Would love to be friends on the gram at https://www.instagram.com/sarazarrellaphotography/

The Hoover Institution is launching a new limited podcast series featuring experts grappling with how to reinvigorate civics education across America. Renewing Civics Education: Preparing for American Citizenship is a five-part podcast series that will feature a range of experts on aspects of civics, such as civics instruction, the role of the media in fostering an understanding of civics, and how civics programs in higher education can resist any forms of indoctrination. The series premieres on Tuesday, February 11, with an episode featuring Distinguished Visiting Fellow Bill Whalen interviewing Senior Fellow Chester E. (Checker) Finn Jr., a national renowned scholar on education policy who leads Hoover's Working Group on Good American Citizenship. Whalen and Finn will discuss the efforts by Finn and his working group colleagues to reinvigorate civics education across the K–12 and college landscapes. Subsequent episodes will be hosted by Finn and released weekly in the lead-up to Civic Learning Week, which begins March 10 and culminates at the Hoover Institution on March 13, when the Center on Revitalizing American Institutions will cohost a one-day conference on civics education. The episodes, which will run as part of the Matters of Policy & Politics podcast, are developed in response to the urgent need to rekindle civics literacy via our schools and colleges. This five-part series takes on the challenges of citizenship education: why it matters, what it needs to do differently, and what shortcomings it must overcome. Programming will include the following: A conversation between Bill Whalen and Checker Finn examines how US educators can improve civics instruction at the K–12 and collegiate levels. Focusing on civics at the K–12 level, Finn speaks with Senior Fellow Paul E. Peterson about his experiences teaching an introductory government course and his thoughts on related topics including education reform, school choice, and standardized testing. Examining the difference between instilling American patriotism and indoctrination, Senior Fellow Peter Berkowitz joins Finn to talk about the reforms he believes are necessary elements of civics education, not just in college but also in high school. What do best practices of civics instruction at the undergraduate level look like? Senior Fellow Josiah Ober, who leads the Stanford Civics Initiative and co-leads the new Alliance for Civics in the Academy, joins Finn to talk about his roadmap for improving civics instruction. Contending with the decline of trust in news media and its impact on civic knowledge and participation, Nick Mastronardi, a Hoover Institution veteran fellow and software innovator in the field of public-sector communications, discusses advances in data collection and artificial intelligence and how they can positively affect government behavior and civic interaction. The programming will also draw on the Good American Citizenship Working Group's existing projects, which assess the state of civics instruction across US schools and how it has evolved over time. Episodes will be available on YouTube and many other podcast distributors. For coverage opportunities, contact Jeffrey Marschner, 202-760-3187, jmarsch@stanford.edu.

Social-media sites like TikTok, Instagram, and Reddit are teeming with travel tips that promise a smooth airport experience or last-minute upgrade. But which ones actually work? Wall Street Journal reporter Dawn Gilbertson joins host J.R. Whalen to discuss the do's and don'ts of trying viral travel hacks before your next trip.  Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

About 1.5% of Americans have a perfect credit score, according to credit reporting firm Experian. But how much weight does an 850 score carry? Wall Street Journal reporter Imani Moise joins host J.R. Whalen to discuss how much this grade of financial health really matters and what happens when you reach it.  Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

According to the Labor Department, it now takes someone six months on average to find a job – roughly a month longer than it did in early 2023. Wall Street Journal reporter Matt Grossman joins host J.R. Whalen to discuss why the labor market, especially for white collar workers, is weaker than it seems.  Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

People with high salaries and net worth tend to live longer lives, research shows. And while you can't add more months to your shopping cart yet, Wall Street Journal reporter Joe Pinsker joins host J.R. Whalen to discuss ways to spend money to improve your chances of living longer Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

A new generation of tools allows anyone to play out a range of potential financial scenarios just by plugging in numbers from their portfolio. The Wall Street Journal's personal finance bureau chief, Jeremy Olshan, joins host J.R. Whalen to discuss the pros and cons of using these tools to predict your financial future. Sign up for the WSJ's free Markets A.M. newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices