Podcasts about American

1. Entertainment as National Security American film and television are portrayed as a strategic asset that shapes global perceptions of freedom, democracy, and U.S. values. Weakening U.S. media companies allow authoritarian nations, particularly China, to fill the cultural vacuum with propaganda. 2. China as the Primary Adversary China is repeatedly the main threat due to: State control over media Global investment in influence campaigns Censorship of American films (e.g., Top Gun: Maverick being blocked over a Taiwan patch). TikTok is an example of why foreign ownership of media platforms is viewed as dangerous. 3. Merger Framed as Pro‑American Jobs The entertainment industry is supporting hundreds of thousands of middle‑class American jobs across multiple states. Netflix’s $1 billion New Jersey studio investment is used as evidence that large, stable companies create domestic employment. The argument asserts that scale = stability, and stability prevents layoffs. 4. Pro‑Consolidation Argument Unlike traditional antitrust concerns, the author claims this merger: Does not reduce competition Actually protects U.S. production from outsourcing Helps resist foreign-backed acquisitions Consolidation is defensive, not monopolistic. 5. Opposition to Foreign Capital in Media Strong concern is raised over foreign government money (Saudi Arabia, Abu Dhabi, Qatar) potentially entering U.S. media. Such investments are not neutral and are intended to influence narratives and public opinion. 6. Historical Framing Ronald Reagan is cited: Culture and storytelling were weapons in the Cold War Media independence is essential to freedom The merger is consistent with Reagan-era American leadership principles. 7. Call to Action Share the op-ed Contact lawmakers Support the merger publicly Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

After months of waiting and speculation, details about the All-American Halftime Show are finally out. Kid Rock joins the program to announce his headline role, and discuss his fellow performers Brantley Gilbert, Lee Brice, and Gabby Barrett. Plus, TPUSA Enterprise director Nick Cocoa announces a plan to bring Club America chapters to every Montana high school, and Luke Rosiak exposes government waste, audit obstruction, and corruption tied to the African Development Foundation. Be sure to catch the All-America Halftime Show Feb. 8 on Rumble, RAV, X, TBN, and more. Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

On December 3, 1999, billionaire Edmond Safra and his nurse Vivian Torrente died in a house fire in his 10,000-square-foot Monaco loft. The circumstances are... insane. Like, in the most secure country in the world, surrounded at all times by a team of private bodyguards, how could this have happened? Welp, turns out, there's lots of ways. Was it the Russian mafia who was, like, mad, because, like mafia? Was it his private American nurse who'd been looking for a payout? Was it his wife who stood to inherit billions? OR WAS IT AN EPIC, DISASTEROUS, COMPLETELY AVOIDABLE ACCIDENT THAT EVEN WHEN EXPLAINED THE STUPIDITY IS SO ENRAGING YOU'LL FIND YOURSLEF LEVITATING OFF YOUR CHAIR? Sorry for yelling. Or was it all of thee above? Come untangle it with us, won't you? Find and watch "Murder in Monaco" on NetflixWE'RE ON YOUTUBE - Want to view the episodes and not just listen?  Check our new video feed to see full video episodes starting today. CLICK HERE TO WATCH AND SUBSCRIBE!LOOKING FOR MORE TCO? On our Patreon feed, you'll find over 400 FULL AD-FREE BONUS episodes to BINGE RIGHT NOW, including our episode-by-episode coverage of popular documentary series like Love Has Won: The Cult of Mother God, LulaRich, and The Curious Case of Natalia Grace; classics like The Jinx, Making A Murderer, and The Staircase; and well-known cases like The Menendez Murders, Casey Anthony: American Murder Mystery, and The Disappearance of Madeleine McCann, and so many more!All Patreon members can also join us for the next Virtual Drag Bingo on Friday, March 13!Episode Sponsors: Home Chef -  Make cooking simple: fresh food delivered, easy recipes to follow and meals that actually taste great. Go to www.HomeChef.com/TCO for 50% off your first box and free dessert for life! Quince - Upgrade your closet this year without the upgraded price tag. Go to www.Quince.com/tco for 365-day returns, plus free shipping on your order! DripDrop - Doctor-developed hydration that works faster than water alone.Use promo code TCO at www.dripdrop.com for 20% off your first order! Hers - Whether you want to lose weight, grow thicker, fuller hair, or find relief for anxiety, Hers has you covered. Visit www.forhers.com/TCO to get a personalized, affordable plan that gets you. DraftKings Casino - New players, download the DraftKings Casino app and use code TCO. Play five bucks and get 50 spins a day for 10 days on Cash Eruption slots. Join the TCO Community! Follow True Crime Obsessed on Instagram and TikTok, and join us on Facebook at the True Crime Obsessed Podcast Discussion Group!  AND INTRODUCING THE NEW TCO DISCORD CHANNEL AS WELL!!!

On Monday's Mark Levin Show, the Democrat Party is willing to shut down the government primarily to cripple ICE, preventing the deportation of illegal aliens, including criminals. Democrats hate hardworking American citizens and seek to gain political power by allowing illegal aliens to influence elections. Democrats' opposition to the SAVE Act exists because they want illegal immigrants to vote and cheat in elections. House Republicans must insist on including voter ID requirements in the funding legislation, let Democrats cause a shutdown if necessary, and fight the battle publicly. Also, the media headlines say that Alex Pretti's death was ruled a homicide by the coroner. Most of the media outlets are not explaining that this only means a person or persons caused the death of another, not that a crime was committed. It is not death by accident, suicide, etc. An investigation of his death is underway. Later, Iran is an Islamist terrorist regime slaughtering its own people by the tens of thousands while pursuing nuclear capabilities and long-range missiles. Negotiations or deals are doomed to fail, just like it did with North Korea, where past agreements and subsidies failed miserably. Iran is currently at its weakest—economically devastated and militarily vulnerable—with no need for ground troops to decisively strike its nuclear program.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this intense episode, Savage addresses the survival of the fittest and the tumultuous political climate in America. He sounds the alarm about the ongoing insurgency funded by domestic and foreign actors. He warns that unless these forces are curbed, America's future is at stake. He then discusses the potential of U.S. involvement in Iran. He covers the complexities of overthrowing regimes and what could happen if the Mullahs are defeated in Iran. Through the lens of Jack London's 'Call of the Wild,' he reflects on the importance of resilience and understanding in leadership. He urges listeners to be vigilant in defending American values amidst growing domestic and international challenges.

David Rothkopf joins Joanna Coles for a blistering, wide-ranging conversation about a presidency defined by vulgarity, fear, and damage—starting with Rothkopf's searing argument that Donald Trump is the ugliest expression of American power yet. From the White House's gilded excesses and the planned hollowing-out of the Kennedy Center, to the Melania “bribe-umentary,” its Epstein-adjacent fallout, and the mounting contradictions exposed in the Epstein files themselves, the episode tracks how taste, corruption, and impunity collide. Rothkopf, The Daily Beast's unmissable columnist and found of the DSR Network, dig into the murkier questions Trump can't outrun—from Howard Lutnick's shifting Epstein story to why so many powerful figures are suddenly caught in bald-faced lies—while also unpacking the strange Tulsi Gabbard whistleblower saga, Trump's renewed fixation on “stolen” elections, and the quiet groundwork being laid to destabilize 2026. Hosted on Acast. See acast.com/privacy for more information.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe green new scam is dead, and in Texas people are now seeing that wind and solar cannot support the electrical load during the cold. China said the quiet part out loud, they were suppose to be the reserve currency. Trump’s new Fed chair help with the transition. Trump is now exposing the criminal underworld the people of this country. The people are seeing all the pieces of the crimes they have committed. When the people see that all the characters are criminals and have done horrible things and that these people are the same ones that have been trying to stop trump, it is game over. Trump is now pushing the Save Act to shutdown the [DS]. Trump is setting the country up for the win.   Economy Report: Texas Wind and Solar Failed During This Week's Winter Storm, Grid Carried by ‘Natural Gas and Coal' The recent snow storm that overtook Texas reportedly crashed the state's wind and solar energy generators, leading to natural gas, coal, and nuclear providing most of the state's electricity. https://twitter.com/RyanMaue/status/2015854614206206101?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2015854614206206101%7Ctwgr%5Eccb14922c034250da614ea4ff40e89ae08ce9117%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Freport-texas-wind-solar-failed-weeks-winter-storm%2F According to David Blackmon, an energy-related public policy analyst and consultant, by the early morning hours of Jan. 26, natural gas, goal, and nuclear were providing 89 percent of all the state's power. “Natural gas alone is chugging along at an impressive 68%,” Blackmon reported online on Substack later that same day. Politico similarly reported that the U.S. energy grid “leaned heavily on coal and natural gas generation to satisfy the energy appetite from Winter Storm Fern.” https://twitter.com/mayes_middleton/status/2015822288663228536?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2015822288663228536%7Ctwgr%5Eccb14922c034250da614ea4ff40e89ae08ce9117%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Freport-texas-wind-solar-failed-weeks-winter-storm%2F Source: thegatewaypundit.com China is on a ‘strong currency' mission to make the yuan a global reserve: Xi Xi Jinping says the goal of becoming an international powerhouse is a long-term one and will rest on core foundations China needs to build a “strong currency” that can become widely used in international trade, investment and foreign exchange markets, and reach the status of a global reserve. Source:.scmp.com Trump Launches $12 Billion Strategic Mineral Stockpile To Counter China; Rare Earth Stocks Jump The Trump administration is preparing to launch a major initiative aimed at protecting US manufacturers from disruptions in the supply of critical minerals, committing about $12 billion in initial funding to build a strategic stockpile of essential materials, according to Bloomberg. The project, known as Project Vault, is designed to reduce America's dependence on China for rare earths and other strategically important metals. By creating a centralized reserve for civilian industries, officials hope to cushion companies against sudden shortages and sharp price swings that can disrupt production and strain finances. Shares of MP Materials, USA Rare Earth, Critical Metals and other rare earth associated names are higher between 5% and 10% heading into the cash open on Monday on the news. At this point it’s safe to say last week’s Reuters rare earth hit piece (authored most likely at the behest of a disgruntled short), which sent the sector tumbling on disputed claims the Trump administration was seeking to distance itself from the rare earth space by moving away from a price floor on critical metals and suggesting MP’s deal with the government may be in question, has been thoroughly debunked. Even the MP Materials X account was mocking the grotesque misreporting: https://twitter.com/MPMaterials/status/2016734732835573833?ref_src=twsrc%5Etfw Project Vault will be financed through a mix of private and public funding: $1.67 billion is expected to come from private investors, while the US Export-Import Bank is set to provide a $10 billion loan with a 15-year term. The bank's board is scheduled to vote on the deal, which would be the largest in its history. More than a dozen major companies have joined Project Vault, including General Motors, Stellantis, Boeing, Corning, GE Vernova, and Google. Three large trading firms – Hartree Partners, Traxys North America, and Mercuria Energy – will handle sourcing and purchasing materials for the stockpile.    Source: zerohedge.com https://twitter.com/Geiger_Capital/status/2018319873609290010?s=20 https://twitter.com/StephenMoore/status/2017295983940354307?s=20 https://twitter.com/profstonge/status/2018300872447418573?s=20 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Political/Rights https://twitter.com/rickygervais/status/2018249171900227730?s=20 https://twitter.com/NICKIMINAJ/status/2018147684276748388?s=20 https://twitter.com/NICKIMINAJ/status/2018146323581513971?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018146323581513971%7Ctwgr%5Ebf8eb4e3fdfcee731660a65a8ed9f8dad15fa004%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F02%2Fnicki-minaj-fires-back-grammys-host-trevor-noah%2F know — yet they continue to attempt bullying. Also, I won't be releasing an album until my contract is renegotiated & until I tell you about all the sabotage this RICO is finding out about Billboard. https://twitter.com/NICKIMINAJ/status/2018156644689920362?s=20   https://twitter.com/TrumpWarRoom/status/2018142074906845333?s=20    accused of being there, not even by the Fake News Media. Noah, a total loser, better get his facts straight, and get them straight fast. It looks like I'll be sending my lawyers to sue this poor, pathetic, talentless, dope of an M.C., and suing him for plenty$. Ask Little George Slopadopolus, and others, how that all worked out. Also ask CBS! Get ready Noah, I'm going to have some fun with you! President DJT https://twitter.com/Patri0tContr0l/status/2018162192676229182?s=20   the TV tells them to. https://twitter.com/DrunkRepub/status/2017198485510963485?s=20   https://twitter.com/MrAndyNgo/status/2018184786209087562?s=20   Lord Mandelson resigns from Labour Party over Epstein links Lord Mandelson says he has resigned his membership of the Labour Party as he does not want to “cause further embarrassment” by his links to the late convicted paedophile Jeffrey Epstein. The former cabinet minister, who was sacked as US ambassador last year because of his past connections to Epstein, appeared in the latest release of files by the US Department of Justice on Friday. Documents suggest Epstein made $75,000 (£55,000) in payments to Lord Mandelson in three separate $25,000 transactions in 2003 and 2004. In his letter to Labour’s general secretary on Sunday, Lord Mandelson said: “I have been further linked this weekend to the understandable furore surrounding Jeffrey Epstein and I feel regretful and sorry about this.” He added: “Allegations which I believe to be false that he made financial payments to me 20 years ago, and of which I have no record or recollection, need investigating by me. Source: bbc.com https://twitter.com/Patri0tContr0l/status/2018011104094380207?s=20  TRUMP'S DOJ that arrested Epstein. Facts are hard for professional liars like Eric Swalwell.   Newly-Released Emails Reveal Jeffrey Epstein May Have a Secret Son  Newly-released emails reveal Jeffrey Epstein may have a secret son. Sarah Ferguson, the former Duchess of York, congratulated Epstein on the birth of his baby boy. Ferguson said she ‘heard from the Duke' that Epstein had a baby boy. The email is date September 21, 2011 so if Epstein has a secret son, he would be 14 years old today. The Daily Mail reported:   Source: thegatewaypundit.com https://twitter.com/JayTC53/status/2018073517368184847?s=20  Jew night” “media elite” and “once the money is paid” https://twitter.com/JayTC53/status/2018128138715443273?s=20 the biggest Trump haters were best friends with Jeffery Epstein https://twitter.com/WarClandestine/status/2018358307052793892?s=20   since been neutralized by King Salman and new crown Prince MBS. This Epstein email reveals (confirms) two sides of the Deep State triangle. House of Saud, and the Rothschilds. https://twitter.com/elonmusk/status/2018185343263019234?s=20  https://twitter.com/elonmusk/status/2017859237502767117?s=20 https://twitter.com/amuse/status/2018351298685419772?s=20   the documents with required redactions. With Trump exonerated & damaging details now pointing toward Democrat power brokers, the pressure has abruptly flipped back to secrecy. https://twitter.com/WarClandestine/status/2018138887655133692?s=20   https://twitter.com/WarClandestine/status/2018017331499213275?s=20      DOGE Geopolitical https://twitter.com/visegrad24/status/2018020919252230227?s=20   since 1996 but was stormed by the police for the eviction 5 weeks ago. Nearly 2000 of the protesters later broke off from the main demonstration and fought the police for hours in the streets. They threw stones, fireworks and homemade bombs while also setting barricades and police vehicles on fire. Many Italians are now calling on Meloni to launch a crackdown against violent far-left extremist. https://twitter.com/EricLDaugh/status/2018311833405293048?s=20    friendship and respect for Prime Minister Modi and, as per his request, effective immediately, we agreed to a Trade Deal between the United States and India, whereby the United States will charge a reduced Reciprocal Tariff, lowering it from 25% to 18%. They will likewise move forward to reduce their Tariffs and Non Tariff Barriers against the United States, to ZERO. The Prime Minister also committed to “BUY AMERICAN,” at a much higher level, in addition to over $500 BILLION DOLLARS of U.S. Energy, Technology, Agricultural, Coal, and many other products. Our amazing relationship with India will be even stronger going forward. Prime Minister Modi and I are two people that GET THINGS DONE, something that cannot be said for most. Thank you for your attention to this matter!   War/Peace  https://twitter.com/AP/status/2017881629440483383?s=20     https://twitter.com/RapidResponse47/status/2018022342731976897?s=20 We have the biggest, most powerful ships in the world over there… hopefully, we’ll make a deal. If we don’t make a deal, then we’ll find out whether or not he was right.” https://twitter.com/WarClandestine/status/2018030967823192563?s=20 Medical/False Flags   [DS] Agenda https://twitter.com/EndWokeness/status/2018176829723398321?s=20  https://twitter.com/Tyler2ONeil/status/2017430244496412840?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2017430244496412840%7Ctwgr%5E1d06078b39cc73de0216e98cb34ee981fb7d135c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.dailysignal.com%2F2026%2F02%2F02%2Fbreaking-2-more-arrested-minnesota-church-invasion%2F  Armstrong tells Lemon—who knows the location but is hiding it from his audience—that they’re going to “disrupt business as usual” at what we later learned was Cities Church. Lemon said he would see her there. https://twitter.com/AGPamBondi/status/2018326184468058566?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2018326184468058566%7Ctwgr%5E1d06078b39cc73de0216e98cb34ee981fb7d135c%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.dailysignal.com%2F2026%2F02%2F02%2Fbreaking-2-more-arrested-minnesota-church-invasion%2F   https://twitter.com/libsoftiktok/status/2018337163188846994?s=20   https://twitter.com/Rightanglenews/status/2018101057902059727?s=20 Anti-ICE Resistance Manuals and Training at Schools Receiving Federal Funding Anti-ICE resistance training manuals, including de-arresting and blocking, are being distributed, and in some cases, the training is being held in schools receiving government funding. Image of de-arresting by Minnesota ICE Watch. Minnesota ICE Watch, the organization that Renee Good and her wife were members of, distributed a document known as the “De-Arrest Primer,” which instructs activists on how to physically interfere with law enforcement officers during arrests. The manual provides detailed guidance on pulling detainees from officers' grips, pushing and pulling officers, breaking holds, and opening law enforcement vehicles to free suspects. The manual also teaches the use of coordinated chanting to create confusion and overwhelm officers during active arrests, as well as surrounding officers until they release detainees. The guide openly acknowledges that these actions may constitute criminal offenses but argues that the risk is justified. Each successful interference is described as a “micro-intifada,” framed as a tactic meant to spread, replicate, and inspire wider disruption. The manual claims these methods originated in pro-Palestinian campus protests and presents them as a model for broader resistance activity. While no single formal publisher is identified, the manual appears to originate from broader activist and radical networks that promote direct physical interference with law enforcement. It has circulated widely through Instagram and other activist communication channels and has been used in training individuals described as “constitutional observers” or “ICE watchers.”   Source: thegatewaypundit.com https://twitter.com/nicksortor/status/2018111147237425556?s=20   https://twitter.com/nicksortor/status/2018114619320017259?s=20   JUST IN: Chicago Mayor Brandon Johnson Signs “ICE On Notice” Executive Order to Prosecute ICE Agents  Chicago Mayor Brandon Johnson at a press conference hosted by Illinois Governor J.B. Pritzker / Screenshot: MSNBC Chicago Mayor Brandon Johnson signed an executive order on Saturday, launching investigations into ICE agents and laying the groundwork for criminal referrals for alleged law violations.  The order “creates a framework for public accountability in the event federal agents violate local or state law while operating in Chicago,” a press release from Johnson's office reads.  “Nobody is above the law. There is no such thing as ‘absolute immunity' in America,” Johnson said in a statement. Source: thegatewaypundit.com https://twitter.com/9mmsmg/status/2017633783638368516?s=20 https://twitter.com/Sec_Noem/status/2018435428932538861?s=20   President Trump's Plan  Federal Appeals Court Tosses Justice Department's Misconduct Complaint Against Judge Boasberg  A federal appeals court tossed out a Justice Department misconduct complaint against Judge James Boasberg. AS previously reported, DC Chief Judge James Boasberg and other DC Judges admitted bias against the Trump Administration during a March 2025 judicial conference with Chief Justice Roberts, according to a memo obtained by The Federalist. For the last year, DC Circuit Court Judges have engaged in a judicial coup against President Trump. Far-left DC judges James Boasberg, Beryl Howell, Chutkan, Berman Jackson and others have ruled against President Trump in every case related to deportations and firings in the Executive Branch. Source: thegatewaypundit.com   https://twitter.com/WallStreetApes/status/2018099758943084657?s=20   agencies, Los Angeles County has more than 36 states combined and 30X MORE than the whole state of Florida and New York “How is that possible? And take a look at this map, a cluster of 287 hospice providers, in a two-mile radius, some in strip malls, unmarked buildings, even a wrecking yard and vacant lot. All of it is just paperwork. I could fill that out in Kazakhstan if I want and get a hospice license waiting for me.” https://twitter.com/elonmusk/status/2018172495535247571?s=20      Rebuilding, can be, without question, the finest Performing Arts Facility of its kind, anywhere in the World. In other words, if we don't close, the quality of Construction will not be nearly as good, and the time to completion, because of interruptions with Audiences from the many Events using the Facility, will be much longer. The temporary closure will produce a much faster and higher quality result!   Based on these findings, and totally subject to Board approval, I have determined that the fastest way to bring The Trump Kennedy Center to the highest level of Success, Beauty, and Grandeur, is to cease Entertainment Operations for an approximately two year period of time, with a scheduled Grand Reopening that will rival and surpass anything that has taken place with respect to such a Facility before.   Therefore, The Trump Kennedy Center will close on July 4th, 2026, in honor of the 250th Anniversary of our Country, whereupon we will simultaneously begin Construction of the new and spectacular Entertainment Complex. Financing is completed, and fully in place! This important decision, based on input from many Highly Respected Experts, will take a tired, broken, and dilapidated Center, one that has been in bad condition, both financially and structurally for many years, and turn it into a World Class Bastion of Arts, Music, and Entertainment, far better than it has ever been before. America will be very proud of its new and beautiful Landmark for many generations to come. Thank you for your attention to this matter!   PRESIDENT DONALD J. TRUMP President Trump to SETTLE $10 BILLION IRS LAWSUIT — Plans to DONATE THE PROCEEDS TO CHARITY President Donald J. Trump is preparing to settle his massive $10 billion lawsuit against the Internal Revenue Service and the U.S. Treasury Department, and he says he will donate the entire payout to reputable charities instead of keeping a penny for himself. President Trump, Eric Trump, Don Jr., and the Trump Org filed a lawsuit against the IRS for leaking their tax returns. They are seeking $10 billion in damages. In September 2023, federal prosecutors charged a former IRS contractor who worked for the agency from 2018 to 2020 with unlawfully obtaining and disseminating the tax details of a high-ranking public official and numerous affluent Americans to media outlets. According to court documents and an official press release from the Department of Justice, Charles Littlejohn, 38, of Washington, D.C., stole tax return information associated with a high-ranking government official, referred to as Public Official A  – now known as Donald Trump. He then disclosed this information to a news organization identified as News Organization 1 – now known as The New York Times. Littlejohn reportedly stole IRS information on thousands of wealthy people. The stolen information was then disseminated to two news outlets (New York Times and ProPublica). “In July and August 2020, Littlejohn separately stole tax return information for thousands of the nation's wealthiest individuals. Littlejohn was again able to evade IRS detection. In November 2020, Littlejohn disclosed this tax return information to News Organization 2, which published over 50 articles using the stolen data. Littlejohn then obstructed the forthcoming investigation into his conduct by deleting and destroying evidence of his disclosures,” the DOJ previously said. L Source: thegatewaypundit.com   https://twitter.com/CynicalPublius/status/2018117811625730171?s=20   some facts: 1. Yesterday’s voter turnout was 94,938. 2. In the same district in 2024, the voter turnout was 400,339. 3. In the same district in 2022, the voter turnout was 277,883. 4. This was a special election to fill a vacant seat resulting from a state senator's promotion into state comptroller. 5. Based on the timing of this election and the next election, and the peculiar nature of Texas state government, it is a 99.99% certainty that this new Democrat will never cast a single vote in the term he is filling. 6. The vote was on a Saturday. I am as passionate a MAGA voter as is alive, but if I lived in TX-SD9, I would have stayed home and enjoyed my Saturday based on fact #5 alone. Is this good for the GOP? No. Is it bad for the GOP? No. Then what is it, CP, you big smartypants? IT'S NOTHING. IT'S MEANINGLESS. So everybody please calm down. For the 2026 midterms, every Trump voter knows that if he does not win, the House will impeach him twice weekly. That fact will be as widely understood as any fact during the 2024 election. There are still many issues Trump needs to work on, and I'm not guaranteeing a 2026 victory. What I AM guaranteeing is that yesterday's TX-SD9 election has as much meaning as peanut butter on a dog's nose. (The dog freaks, everybody laughs, but ultimately the dog gets the peanut butter and we all move on.) https://twitter.com/JohnBasham/status/2018199554764447926?s=20   The Georgia Elections Board. https://twitter.com/WSJ/status/2018277500464275804?s=20 Complaint against Tulsi Gabbard could do ‘grave damage to national security': Report The whistleblower's allegations are so highly classified that documents are being kept locked in a safe and the complaint still hasn't been shared with Congress From reproductive rights to climate change to Big Tech, The Independent is on the ground when the story is developing. Whether it’s investigating the financials of Elon Musk’s pro-Trump PAC or producing our latest documentary, ‘The A Word’, which shines a light on the American women fighting for reproductive rights, we know how important it is to parse out the facts from the messaging. At such a critical moment in US history, we need reporters on the ground. Your donation allows us to keep sending journalists to speak to both sides of the story. The Independent is trusted by Americans across the entire political spectrum. And unlike many other quality news outlets, we choose not to lock Americans out of our reporting and analysis with paywalls. We believe quality journalism should be available to everyone, paid for by those who can afford i   Source: the-independent.com There’s an “8 month old complaint” from a “US official” alleging “wrongdoing”   https://twitter.com/awaitekw14/status/2018081688803516456?s=20   ballots from Fulton. Coincidence? No way. COVID wasn’t just a ‘pandemic’—it was the engineered pretext that flipped every state rule on mail-ins, drop boxes, and signature verification. Harvest those ballots, truck them in after 3 a.m. stops, rinse & repeat in swing-state blue zones. Regime change 2.0 after Russiagate flopped.If they can prove those Fulton ballots trace back to illegal harvesting (or even foreign interference via the biolab network), the whole house of cards collapses. Treason on a scale we haven’t seen since the founding. Trump saying ‘interesting things happening’ soon? Understatement of the century. Stay frosty, patriots. The storm is here. https://twitter.com/liz_churchill10/status/2018006616369496424?s=20   https://twitter.com/AndrewDesiderio/status/2018375101847097793?s=20 Andrew Desiderio Schumer issues new statement reiterating that the SAVE Act is “dead on arrival” in the Senate — amid push from GOP Rep. Luna & others “If House Republicans add the SAVE Act to the bipartisan appropriations package it will lead to another prolonged Trump government shutdown” https://twitter.com/EricLDaugh/status/2018378753873969400?s=20 elections from fraud.  REP. AUGUST PFLUGER, Chair of Republican Study Committee nails it: “The House did our job nearly 300 days ago. It's high time that the Senate do theirs!”   President Donald Trump has proposed building a massive triumphal arch in Washington, D.C., often referred to as the “Independence Arch” or “Memorial Circle arch,” to be located on Columbia Island near the Potomac River, close to the Lincoln Memorial and Arlington National Cemetery.  The structure is envisioned as a 250-foot-tall monument, which would make it more than twice the height of the 100-foot Lincoln Memorial, taller than the 70-foot White House, and larger than Paris’s 164-foot Arc de Triomphe—though still shorter than the 630-foot Gateway Arch in St. Louis. Trump’s motivations stem from a desire to create a grand symbol of American pride and exceptionalism, emphasizing that Washington, D.C., is “the only city in the world that’s of great importance that doesn’t have a triumphal arch  The arch signifies Trump’s emphasis on monumental nationalism and grandeur, evoking historical triumphal arches built by emperors and leaders to commemorate triumphs and project power—earning it nicknames like “Arc de Trump.”  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

In this episode of China Decode, Alice Han and James Kynge unpack how China is reshaping global power—sometimes loudly, sometimes through pandas, ports, and pop culture. As Donald Trump warns allies like the U.K. and Canada that getting closer to Beijing is “dangerous,” reality tells a messier story: British pharma giant AstraZeneca is cutting billion-dollar deals in China, Japan is losing its last pandas amid rising tensions, and Washington is scrambling to blunt China's grip on critical minerals. They also dive into a Panamanian court ruling that just blew up a Hong Kong firm's control over key canal ports—an apparent U.S. win that could quickly become a new U.S.–China flashpoint over one of the world's most important trade chokepoints. And finally, they decode the viral idea that everyone is living a “very Chinese time,” from wellness trends to memes, and what it says about growing American disillusionment—and China's evolving soft power. Why does all this matter? Because these fights aren't abstract: they affect supply chains, prices, travel, jobs, and how the next generation sees America's place in the world. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This isn't a typical ghost story. No footsteps. No shadows. No obvious signs of a haunting.Emma grew up as a first-generation American, shaped just as much by the summers she spent with her grandmother in another country as by life at home. When her grandmother passed away, the loss hit her family deeply—especially her mother, who carried the weight of not being there at the end.Months later, on an ordinary summer morning, Emma's mother woke her abruptly, shaken by something she had just experienced. It wasn't a vague dream or a comforting visitation. It was emotional, specific, and carried an urgency that didn't make sense at the time.What followed was a conversation that forced Emma to confront the idea that some messages don't come to soothe, but to intervene—and that the people we lose may still be watching more closely than we realize.#RealGhostStoriesOnline #VisitationDream #MessagesFromBeyond #ParanormalPodcast #AfterlifeSigns #FamilyConnections #SpiritualWarnings #TrueParanormal #UnexplainedEncounters #GriefAndTheUnseen Love real ghost stories? Want even more?Become a supporter and unlock exclusive extras, ad-free episodes, and advanced access:

"Policy is outpacing compassion and enforcement is starting to replace discernment." Immigration isn't just a political issue, it's a moral one.Last week we sat in the moment of what is happening with immigration enforcement in our nation. In this chat, we're taking it a step further by answering the question of, "What can we do about it?"We're not talking about policy or even politics but we can each do to restore humanity and take action without burning out.We're chatting about:How fear-based messaging is shaping immigration debatesWhy dehumanizing language is dangerous for our kids and our cultureWhat every American should understand about due process rightsHow local communities can create change when national politics feel impossibleHow we as parents can teach empathy, courage, and civic responsibility right nowIf you've felt powerless watching the news…If you've wondered how to help without becoming exhausted or overwhelmed…If you want to raise kids who care about justice and humanity…This episode will give you clarity, hope, and practical next steps.Because change doesn't come from outrage alone... it comes from people who choose compassion and act consistently. Come chat with me over on Threads where you always get spicy Nicole athttps://threads.net/nicolewalters and WATCH the show on YT athttp://nicolewalters.com/youtubeProduced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“I saw the door open and I really desperately wanted to take it and walk through it, but I wasn't sure if it was right – but sometimes you know deep down in your gut that it's something you should do and you take the risk. Since making that decision, it's felt right and true to what I want to do and where my goals are."My guest for today's episode is Roisin Willis. Right now, she's in one of those rare moments where fitness, confidence, and clarity all seem to be lining up at once. We recorded this two days before the start of a spectacular weekend for her. It's Team New Balance week on the CITIUS MAG Podcast and we'll be bringing you interviews with many of their latest signees all throughout the week. In 2026, we're celebrating six years of New Balance partnering with CITIUS and we're grateful for their support on all levels from the high school to the pros.In the span of just nine days, Roisin put together a short yet impactful indoor season. She opened up her professional career by running 1:59.59 at the New Balance Indoor Grand Prix, looking smooth and convincing. Six days later, after deciding almost on a whim to race again, she went to Boston University and ran 1:57.97, becoming the first American woman to break 1:58 indoors and setting a new American record in the 800m. That's also a personal best for her indoors and outdoors, and she wasn't done yet. Just two days after that record, Roisin lined up at the Millrose Games and won the 600m in 1:24.87, the seventh fastest performance by an American woman in history. Three races in nine days, two victories, one American record, and proof that she's in absolutely phenomenal shape.Roisin has made the decision to shut down her indoor season. The reason for it is she has a long-term vision and a real life, which you get the sense from my conversation with her. She wants to be at a world-class level come outdoors and that means getting back to training. As she puts it plainly, she also needs to finish school at Stanford this spring.You'll hear more about the importance of finishing her degree in our chat because at just 21 years old, Roisin has already lived multiple chapters in the sport. She was a high school prodigy out of Wisconsin, became an NCAA champion as a freshman, went through a difficult period marked by anxiety and burnout, and has now come out on the other side with a healthier perspective. This recent run isn't just about how fast she's gotten, but also shows how much she's grown as a person. In this interview, we talk about the decision to chase times this year, how she made it through that rough patch, and why she decided to turn professional early.____________Host: Chris Chavez | ⁠⁠@chris_j_chavez on Instagram⁠Guest: Roisin Willis | @roisin.willis on Instagram Produced by: Jasmine Fehr | ⁠⁠⁠@jasminefehr on Instagram⁠⁠⁠____________SUPPORT OUR SPONSORSUSATF: The USATF Indoor Track and Field Championships presented by Prevagen are back in New York City from February 28th to March 1st at the Ocean Breeze Athletic Complex in Staten Island. This is where legends don't just race; they punch their ticket to the world stage. The pressure is real, the margins are razor thin, and every athlete is fighting for one thing: a spot on Team USATF at the World Indoor Championships. Grab your tickets now at USATF.org/tickets and experience track and field at its absolute loudest.OLIPOP: A blast from the past, Olipop's Shirley Temple combines smooth vanilla flavor with bright lemon and lime, finished with cherry juice for that nostalgic grenadine-like flavor. One sip of this timeless soda proves some flavors never grow old. Try Shirley Temple and more of Olipop's flavors at DrinkOlipop.com and use code CITIUS25 at checkout to get 25% off your orders.

Host Sarah Posner examines Defense Secretary Pete Hegseth's escalating campaign to remake the Pentagon in the image of a militant, hyper-masculine Christian nationalism—from dismantling small-business contracting as “DEI,” to purging diversity programs, hosting monthly Christian prayer meetings inside the Pentagon, and framing U.S. military power as divinely sanctioned. As Trump rattles the global order with threats against NATO allies and Greenland, Posner traces how Hegseth's theology and politics blur the lines among biblical law, domestic authority, and international norms—raising urgent questions about religion, war, and state power. Posner is joined by Dr. Julie Ingersoll, professor of Religious Studies at the University of North Florida and author of Building God's Kingdom, for a deep dive into the radical Christian Reconstructionist movement shaping Hegseth's worldview. They unpack the influence of Doug Wilson and the Communion of Reformed Evangelical Churches, including beliefs about biblical law, patriarchy, Christian dominion, and a “God of war” theology that legitimizes violence and conquest. The conversation explores how once-fringe theocratic ideas have quietly moved into the corridors of power—and what it means when U.S. military leaders see themselves as carrying out God's will, at home and abroad. Julie Ingersoll is Professor of Religious Studies at the University of North Florida in Jacksonville, where she teaches and writes about religion in American culture, with a particular focus on religion and politics and the religious right. Originally from Maine, she earned a Ph.D. in Religious Studies from the University of California, Santa Barbara, along with degrees in history from George Washington University and political science from Rutgers College. She began studying religion as an undergraduate because of her interest in politics, which she saw as deeply intertwined with religious life—an understanding that only deepened as her studies continued. More about Dr. Ingersoll: https://julieingersoll.weebly.com/about.html Additional Resources: Julie Ingersoll, Building God's Kingdom: Inside the World of Christian Reconstruction (New York: Oxford University Press, 2015) Julie Ingersoll, “Why the religious beliefs of Trump defense pick Pete Hegseth matter,” The Conversation, December 12, 2024, https://theconversation.com/why-the-religious-beliefs-of-trump-defense-pick-pete-hegseth-matter-245601 Brian Kaylor, “Hegseth Shares War Psalm He Prayed During Venezuela Attack,” A Public Witness, January 21, 2026, https://publicwitness.wordandway.org/p/hegseth-shares-war-psalm-he-prayed Brian Kaylor, “At Pentagon Christmas Service, Franklin Graham Praises ‘God of War',” A Public Witness, December 17, 2025, https://publicwitness.wordandway.org/p/at-pentagon-christmas-service-franklin Government Worship Watch, A Public Witness, https://publicwitness.wordandway.org/p/government-worship-watch “The Christian nationalist pastor with ties to Defense Secretary Pete Hegseth,” CNN, August 8, 2025, https://www.cnn.com/2025/08/08/politics/video/christian-nationalist-doug-wilson-pam-brown-digvid Creator: Sarah Posner: https://www.sarahposner.com/ Producer and Engineer: Dr. Ger FitzGerald Executive Producer: Dr. Bradley Onishi Production Assistance: Kari Onishi Generous funding provided by the Henry Luce Foundation. Learn more about your ad choices. Visit megaphone.fm/adchoices

If democracy is going to survive, it has to deliver.This week, Goldy and Civic Ventures president Zach Silk are joined by Hannah Garden-Monheit, a former senior official in the Biden-Harris administration, for a conversation about one of the most urgent questions in American politics: why our government so often fails to produce visible results for working people—and what that means for what comes next.At a time when public institutions are being dismantled faster than they were ever built, this episode looks beyond easy cynicism and asks what it would take to rebuild a government people can trust, feel, and believe in again. Because the next governing moment won't just be about having the right values or policies. It will hinge on whether leaders are willing to use democratic power to make government deliver in ways that are visible, tangible, and real. Hannah Garden-Monheit is a Senior Fellow at the American Economic Liberties Project and co-author of Building a More Effective, Responsive Government, a report from the Roosevelt Institute. She previously served as Director of the Office of Policy Planning at the Federal Trade Commission and as Special Assistant to the President for Economic Policy on the White House National Economic Council.  Further reading:  Building a More Effective, Responsive Government: Lessons Learned from the Biden-Harris Administration Website: http://pitchforkeconomics.com Instagram: @pitchforkeconomics Threads: pitchforkeconomics Bluesky: @pitchforkeconomics.bsky.social Twitter: @PitchforkEcon, @NickHanauer, @civicaction YouTube: @pitchforkeconomics LinkedIn: Pitchfork Economics Substack: ⁠The Pitch⁠

On this episode of Joe Oltmann Untamed, Joe kicks things off with the bombshell President Trump dropped on Dan Bongino this morning something massive is about to break on 2020 election fraud in Fulton County, Georgia, right after the FBI raid seized those long-hidden ballots get ready for the truth to explode. Joe dives into the ongoing injustice of Tina Peters still sitting in prison for exposing the fraud, dismantles Matt Cain's misleading claims about 2020 vote totals, and highlights Lara Logan's warning of an aggressive Democrat plan to retake Congress and impeach Trump. Plus, a resurfaced Victor Marx interview reveals more hypocrisy and lies from the governor hopeful Joe isn't holding back.Then, China expert and engineer Dan Collins joins the show to unpack the wild economic landscape: silver's brutal 25%+ single-day plunge to $83–$85/oz, gold's relative stability, and what it signals about U.S.-China tensions, commodity markets, and industrial demand. With 20 years inside China's manufacturing world, Dan breaks down how vulnerable Beijing is to Trump's tariffs, reshoring push, and supply-chain decoupling especially as volatility hammers raw materials. From his work with GM to founding Tyrell Chemical stateside, Dan delivers firsthand insight on the economic battle, under-the-radar risks, and why American manufacturing must fight back against CCP overcapacity and dumping.FBI whistleblower and veteran Kyle Seraphin returns for Retribution Week, reacting to Kash Patel's explosive congressional testimony on Epstein-linked child trafficking, reflecting on a brutal year of revelations, and sounding the alarm on bleeding institutions that need strong leadership to stop the damage. We also revisit Patrick Byrne's Mel K Show appearance exposing Mike Pompeo's briefing on 2020 election fraud. Truth is surging, fraud is crumbling, and accountability is coming. Don't miss this hard-hitting episode. Join us live justice is rolling!

Trump dominates Epstein docs with 4,500+ hits—flight logs, assault claims, elite dirt—tied to the depraved Zionist Jewish rulers using child rape and sacrifices to control U.S. gov and military. Dr. Michael Rectenwald exposes it all. Ryan Matta breaks down the massive Epstein release—millions of pages exposing Jeffrey as Mossad's blackmail kingpin targeting politicians, tech giants, and fueling regime shifts like Ukraine 2014 to back Israel's wars and expansions. John Jubilee from Energized Health is dropping truth bombs today, revealing how inner cellular hydration reverses heart damage, gets patriots off dozens of deadly meds, and rebuilds real health from the cells up. Go to energizedhealth.com right now, smash the red Cellular Health Training button for the free live class this February, register, and arm yourself with the knowledge to survive their attack!

In the early 1970s, as the "Golden Age of Skyjacking" gripped the American skies, one man didn't just want to pull off a heist—he wanted to outdo a legend. Just months after the mysterious D.B. Cooper vanished into the Pacific Northwest wilderness, Richard Floyd McCoy Jr., a Vietnam veteran, helicopter pilot, and Sunday school teacher, decided to put his own elite training to the test. --For early, ad free episodes and monthly exclusive bonus content, join our Patreon! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What does it take to become a revolutionary in more than one revolution? In this revisited conversation with Mike Duncan, we explore the life of the Marquis de Lafayette—an ambitious young Frenchman who crossed the Atlantic to fight for the American cause and later carried those lessons into the political storms of France. From early idealism to a complicated role in two upheavals, Lafayette's story reveals how ideas, alliances, and personal relationships shaped the Age of Revolutions. You'll hear how Lafayette became close to George Washington, what he learned in America, and why his legacy makes the most sense when you follow him across borders. Mike's Instagram | Book |Show Notes: https://www.benfranklinsworld.com/313RECOMMENDED NEXT EPISODES

In this engaging conversation, Donny and Stephanie Ruhle discuss a range of topics including the importance of kindness in criticism, the role of business leaders in political discourse, immigration reform, and the impact of AI on the economy. They explore the current political landscape, the influence of wealth on politics, and the need for a more compassionate approach to leadership. The discussion also touches on the future of American politics and the importance of listening to constituents' needs. Be sure to check out the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠On Brand with Donny Deutsch YouTube page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Takeaways Stephanie Ruhle emphasizes the importance of kindness in criticism. Criticism can be constructive when it comes from a place of love. Business leaders need to step up on immigration reform. Everything in politics is interconnected and impacts the economy. Immigrants play a crucial role in the healthcare industry. The political landscape is shifting, with a potential return to the middle ground. Trump's grip on power may be weakening as public sentiment shifts. The influence of wealth on politics is significant and concerning. AI will change the way we work, but we need to prepare for it. People are inherently good and can drive positive change. Learn more about your ad choices. Visit megaphone.fm/adchoices

Bad Bunny, Billie Eilish, Shaboozey and a Grammy Tsunami Slams ICE and Trump. Danish Veterans March Against Trump. Groundhog Day is VERY 2026. Super Bowl Week Begins.Girl Scout Cookies! This Groundhog Day 2026,Paul emerges from the cold of the weekend like the Puxatawny Phil of news in an episode 431 to barrel into the start of February and off a freezing trip to Philly that reflects a growing, nationwide fury at ICE's abuses. He lays out why he believes ICE's culture is rotten to the core, details ProPublica's naming of the federal agents involved in the killing of Alex Pretti, and explains how expanding warrantless raids from Minnesota to Utah are shredding the Constitution in real time. Paul connects this crackdown to Trump's escalating war on protest and the press, where peaceful protesters are smeared as “domestic terrorists” and “communist insurrectionists” to justify possible use of the Insurrection Act and even active-duty troops against American citizens.​ The episode also hits Trump's broader assault on the free press, from reports of gagged MAGA-friendly media to relentless attacks on ProPublica, NPR, Jimmy Kimmel, and others, while Paul shares a chilling example of violent threats he receives on Elon Musk's X for speaking out.  Abroad, he highlights thousands of Danish veterans marching against Trump in Copenhagen over his disrespect for NATO, Iran's brutal execution of former soccer star Mojtaba Tarshid after protests, the fragile ceasefire and reopened Rafah crossing, and Ukrainians fighting to keep a 51-year-old gorilla named Tony warm amid freezing Russian attacks. Back home, Paul spotlights a political shocker in Texas, where Democrat and Air Force veteran Taylor Remit flipped a deep-red congressional district that Trump carried by 17 points, powered by independents and disaffected Republicans. He uses the upset to explain how independents are surging and are now the decisive needle in American politics, previews a virtual town hall with Open Primaries and independent veteran Senate candidates Ty Pickens and Todd Achilles, and weaves in culture and sports—from the Grammys' anti-ICE tipping point and Bad Bunny's Super Bowl halftime show to Seahawks–Patriots, Knicks magic, and OKC's rise—and closing as always with “Something Good good”. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -WATCH video of this episode on YouTube now. -Join the Open Primaries Zoom “Independent Veterans are Spoiling for a Fight” -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -Check the hashtag #LookForTheHelpers. And share yours.  -Find us on social media or www.IndependentAmericans.us.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the new year.  -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm.  Independent Americans is powered by veteran-owned and led Righteous Media.  And now part of the BLEAV network!  Ways to listen: Spotify • Apple Podcasts • Amazon Podcasts  Ways to watch: YouTube • Instagram  Social channels: X/Twitter • BlueSky • Facebook    Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Allie confronts the growing accusations of “Christian nationalism” against conservative Christians, especially over immigration enforcement and support for ICE, by responding directly to viral posts from progressive Christian figures like Ben Cremer and John Pavlovitz. She defines what Christian nationalism actually is (and isn't), explains why every worldview inevitably shapes law and public policy, and lays out a biblical case for national borders, pro‑life laws, and a Christian view of government. Allie exposes how progressive Christians often conflate the kingdom of God with America, misuse “welcome the stranger” passages to justify open borders, and deploy toxic empathy and inflammatory rhetoric that unfairly paints white evangelicals as the source of America's problems. Progressive Catholics aren't safe either, as Allie highlights Catholicism's social justice problem by examining statements by figures like Pope Leo XIV. This episode is a must‑listen for anyone wrestling with the debate over Christian nationalism, the Anti-ICE riots in Minnesota, abortion, biblical justice, and politics in the church. Buy Allie's book "Toxic Empathy: How Progressives Exploit Christian Compassion": ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.toxicempathy.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- Timecodes: (00:00) Intro (03:30) Defining Christian Nationalism (07:58) Faith Influencing Politics and Voting (11:17) Immigration, ICE, and Borders (23:27) Was Jesus an Activist?  (28:50) Christian Nationalist Panic (37:41) Abortion & Pro‑Life Theology (51:10) Evangelical and Catholic Debates (59:18) Weak Pastors & Media Outrage Cycles --- Today's Sponsors: Good Ranchers | To support a company that's committed to honoring America's past, present, and future, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GoodRanchers.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ today. And if you subscribe to any Good Ranchers box of 100% American meat, you'll save up to $500 a year! Plus, if you use the code ALLIE, you'll get an additional $25 off your first order. PreBorn | 100% of your donation will go toward saving babies. Will you help us? Just dial #250 and say the keyword BABY. Or donate securely at ⁠⁠PreBorn.com/ALLIE⁠⁠. Shopify | Sign up for your $1-per-month trial and start selling today at ⁠⁠Shopify.com/ALLIE⁠⁠. We Heart Nutrition | Check out We Heart Nutrition at ⁠⁠WeHeartNutrition.com⁠⁠ and use the code ALLIE for 20% off. Geviti | Go to ⁠GoGeviti.com/Allie⁠ and use code ALLIE for 20% off. Taking care of yourself isn't selfish. It's stewardship. --- Episodes you might like:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Ep 1295 | The Sad Truth Behind Meghan Trainor's Surrogacy Story ⁠https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000747085607⁠ Ep 1271 | A Catholic & Protestant on the Death Penalty, Immigration & Women's Roles | Trent Horn ⁠https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000738174696⁠ Ep 1254 | Jubilee Reaction: How to Debate 20 Liberal Christians ⁠https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000732041086⁠ Ep 582 | How to Share the Gospel with LGBTQ People | Guest: Becket Cook ⁠https://podcasts.apple.com/us/podcast/ep-582-how-to-share-the-gospel-with-lgbtq-people/id1359249098?i=1000554125181⁠ --- Buy Allie's book "You're Not Enough (and That's Okay): Escaping the Toxic Culture of Self-Love": ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.alliebethstuckey.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Relatable merchandise: Use promo code ALLIE10 for a discount: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://shop.blazemedia.com/collections/allie-stuckey⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

President Trump is still not over the fact that he lost the 2020 presidential election to Joe Biden, which might be why last Wednesday, the FBI executed a search warrant on an election facility in Fulton County, Georgia. Agents seized hundreds of boxes containing ballots and other documents related to the 2020 election. But this raid is just one of many ways the President has challenged the American election system since taking office a year ago. With the midterms just months away, we spoke with Marc Elias, the founder of the voting rights news and election-tracking site Democracy Docket.And in headlines, the government is partially shut down as Congress debates reining in immigration enforcement, the Trump administration does damage control after the latest and largest batch of Epstein files, and the five-year-old boy and father detained by immigration officers in Minnesota have been released.Show Notes: Check out Democracy Docket – www.democracydocket.com/ Call Congress – 202-224-3121 Subscribe to the What A Day Newsletter – https://tinyurl.com/3kk4nyz8 What A Day – YouTube – https://www.youtube.com/@whatadaypodcast Follow us on Instagram – https://www.instagram.com/crookedmedia/ For a transcript of this episode, please visit crooked.com/whataday

Today on The Remnant, university-reform eggheads Ben and Jenna Storey join Neanderthal-in-remediation Jonah Goldberg to talk about civic education and recent efforts to rejuvenate American higher ed. Jonah and the Storeys cover university governance, the relationship between civics and the liberal arts, the significance of postliberalism, and the reasons for thinking seriously. Show Notes:—Center for the Future of the American University—Ben and Jenna Storey's book - Why We Are Restless—Robert Michels - Political Parties: A Sociological Study of the Oligarchial Tendencies of Modern Democracy—AAUP's 1915 Declaration of Principles—Why Liberalism Failed—Regime Change: Toward a Postliberal Future—Remnant episode with Will Inboden on higher ed reform The Remnant is a production of ⁠The Dispatch⁠, a digital media company covering politics, policy, and culture from a non-partisan, conservative perspective. To access all of The Dispatch's offerings—including access to all of Jonah's G-File newsletters—⁠click here⁠. If you'd like to remove all ads from your podcast experience, consider becoming a premium Dispatch member ⁠by clicking here⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

JD originally made a name for himself as an economic populist but now spends all his time lying and ignoring the woes of the white working class. Stephen Miller is far more interested in authoritarianism than the American worker. And the biggest MAGA warrior of all, Steve Bannon, was downright smitten with Jeffrey Epstein. Meanwhile, the Trump administration is busy trying to hide the identities of other co-conspirators in the Epstein documents. Plus, the CBP has no business being deployed on the streets of American cities, Tulsi wants foreign election interference, the good news in a Texas special election result, Trump is flailing at another business—the Kennedy Center—and Bad Bunny previews his message for the Super Bowl Halftime show.Bill Kristol joins Tim Miller.show notes Monday's "Morning Shots" Bannon's "interview" with EpsteinLearn a new Language and get up to 55% off your subscription at Babbel.com/BULWARK

“It was almost unbelievable, but I was seeing it. Almost simultaneously, three [Japanese] carriers were wiped out. I knew what it meant. By golly, we did it!”  This is the story of a battle that changed how wars are fought at sea—and of the thin margin between disaster and destiny. In the spring of 1942, Japanese forces surge across the Pacific, confident their next move will finish what Pearl Harbor began. But beneath the surface, American codebreakers are listening, watching, and waiting. Fresh from the hard-fought Battle of the Coral Sea, the U.S. Navy limps forward with damaged carriers, exhausted pilots, and an untested commander named Chester Nimitz. Across the ocean, Admiral Yamamoto Isoroku sets an intricate trap meant to lure America's carriers into annihilation near a tiny atoll called Midway. What follows is not a clash of battleships, but a duel fought primarily in the air—where minutes matter, mistakes are fatal, and pilots will dive straight into fire with no idea if they're already too late. By the morning of June 4, 1942, both sides believe victory is within reach. Only one is right. ____ Connect with us on HTDSpodcast.com and go deep into episode bibliographies and book recommendations join discussions in our Facebook community get news and discounts from The HTDS Gazette  come see a live show get HTDS merch or become an HTDS premium member for bonus episodes and other perks. HTDS is part of Audacy media network. Interested in advertising on the History That Doesn't Suck? Contact Audacyinc.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

If you're feeling stuck in your career and/or housing situation, Clark shares something important to consider. With housing inventory rising in nearly 20 states and more affordable markets opening up in the American heartland, being open and flexible to moving your zip code might be the key to unlocking both homeownership and professional opportunity. Also, using the latest data, Clark breaks down the fastest-growing occupations for the next decade. Homeownership & Relocation: Segment 1 Ask Clark: Segment 2 Fastest Growing Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans Are Looking to the Midwest to Find Affordability Housing markets where power is shifting the most toward buyers heading into 2026 My 7 Rules for Using Credit Cards - Clark Howard What Is Umbrella Insurance and Do You Need It? Why You Need To Shop Your Auto Insurance ASAP Report: 15 Fastest-Growing Jobs for the Next Decade 5 Steps To Getting a Good Deal on a Hotel Room Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on The Rizzuto Show, the internet proves once again that asking for opinions is a trap. A viral TikTok about a server cutting a grown man's burger in half sends the crew into a full-blown spiral over food etiquette, masculinity, knives, and whether adulthood should come with a user manual. Is it thoughtful? Insulting? A crime against America? No consensus is reached, emotions stay greasy, and the argument absolutely refuses to die.Then the show takes a sharp turn into Sexy Time Fun Facts, breaking down new survey data on how often couples are actually having sex, how long it lasts, and why everyone assumes everyone else is doing it more. The crew gets surprisingly real about age, hormones, kids, stress, resentment, doctor visits, and the uncomfortable truth that being tired and full explains way more than anyone wants to admit.It's ridiculous, relatable, sarcastic, and accidentally informative — a funny podcast built on arguing about things that don't matter and learning something anyway. If you like daily chaos, internet debates, and laughing before reflecting (if at all), The Rizzuto Show delivers once again. And yes, it's a funny podcast. SEO demands it.Follow The Rizzuto Show → https://linktr.ee/rizzshowConnect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.No REAL ID yet? You can still fly, but it may cost $45 without another form of accepted IDPunxsutawney Phil is said to have seen his shadow, forecasting 6 more weeks of wintry weatherAirplane crew forced to scoop poop mid-flight when toilet malfunctions after takeoff from LASouthwest Airlines Named Best US Carrier Ahead Of Controversial Assigned Seating RolloutJarrell Miller's toupee gets punched off, thrown into crowd in hair-raising scene on Lopez-Stevenson undercardArizona Man Asks Server To Cut His Burger In Half. Then She Tells Him The Restaurant Policy: ‘Why Was He So Desperate To Have Me Cut His Burger?'How often is the average American couple having sex each month — and how many are ‘unsatisfied'?Is 40 the Peak for Men's Sex Drive?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today on The Rizzuto Show, we learn an important lesson: never ask the internet to pick sides, because everyone involved will somehow look worse. A viral TikTok story about a restaurant server cutting a grown man's burger in half launches the crew into an unhinged debate about food etiquette, masculinity, sandwiches, and whether adults should ever need help with a knife.Is it classy? Is it lazy? Is it deeply un-American? Opinions fly, fingers get metaphorically greasy, and nobody backs down. Then, just when you think we've settled the burger debate (we absolutely did not), the show swerves into Sexy Time Fun Facts — because obviously that's the next logical step.We break down new survey data on how often couples are actually having sex, how long it lasts, and why everyone thinks everyone else is doing it more than they are. The crew reacts to stats about age, hormones, kids, stress, and why your sex drive changing doesn't necessarily mean your relationship is broken — it might just mean you're tired and full.There's honest talk about resentment, self-esteem, doctor visits, hormone chaos, and the terrifying realization that adulthood is mostly math you didn't sign up for. Somehow, this episode manages to be equal parts ridiculous and relatable, which is basically the mission statement of this funny podcast.If you like daily chaos, sarcastic humor, arguments about things that don't matter, and accidentally learning something along the way, The Rizzuto Show delivers once again. This is a funny podcast for people who laugh first and reflect later — if at all. Yes, we're calling it a funny podcast again, because SEO waits for no one.Follow The Rizzuto Show → https://linktr.ee/rizzshowConnect with The Rizzuto Show Comedy Podcast online → https://1057thepoint.com/RizzShowHear The Rizz Show daily on the radio at 105.7 The Point | Hubbard Radio in St. Louis, MO.Arizona Man Asks Server To Cut His Burger In Half. Then She Tells Him The Restaurant Policy: ‘Why Was He So Desperate To Have Me Cut His Burger?'How often is the average American couple having sex each month — and how many are ‘unsatisfied'?Is 40 the Peak for Men's Sex Drive?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The two-party system is a mirage, and unelected judges are destroying America. It's time for a new 1776. In this episode, I expose the hard truth: Elections have become meaningless. America has become a one-party system, where Republicans and Democrats differ in rhetoric but govern the same when it matters most — especially on spending, the economy, immigration, and sovereignty. Worse, even when voters demand change, judicial supremacy overrides the will of the people. Unelected judges now function as super-legislators, blocking enforcement of immigration law, nullifying state authority, and shredding the Constitution — all without accountability.  As we approach the 250th anniversary of the American founding,  we are facing a crisis deeper than any election cycle — a system in which voting no longer governs the governed. Learn more about your ad choices. Visit megaphone.fm/adchoices

February 4, 1955. In a New York courtroom, the Comics Czar takes the stand. He's in charge of enforcing a new code, meant to keep comic books from corrupting America's youth, and he's here to prove that his work has cleaned up the industry. But that afternoon, a noted psychologist named Fredric Wertham argues that his work has not nearly gone far enough. When the hearing comes to a close, the committee is left to decide: what is the future of the comic book? Why did one of the country's leading psychologists see them as a major threat to American children? And what can the Great Comic Book Scare teach us about moral panics? Special thanks to our guests, David Hajdu, author of The Ten-Cent Plague; and Jeremy Dauber, author of American Comics: A History. ** This episode originally aired Jan 31, 2022. Get in touch: historythisweekpodcast@history.com  Follow on Instagram: @historythisweekpodcast Follow on Facebook: ⁠HISTORY This Week Podcast⁠ To stay updated: http://historythisweekpodcast.com To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Gaius and Germanicus settle over wine to analyze the aftermath of World War II, citing Averell Harriman's 1945 fear that Soviet victory represented a barbarian invasion opening Europe to Asian influence and threatening Westerncivilization's foundations. Germanicus suggests a modern inversion has occurred whereby Europe now experiences reverse colonization by former imperial subjects from Africa and Asia who seek cultural and demographic dominance rather than assimilation into existing European societies. They examine American exceptionalism, noting that while the United States officially denies being an empire, its history of continental expansion, indigenous displacement, and ethnic cleansing mirrors classical imperial behavior under different rhetorical guises. The speakers conclude that contemporary elites remain comfortably insulated from the consequences of these demographic and political shifts in gated communities and exclusive enclaves, while common citizens bear the daily burden of fractured social cohesion and competing identities.1942. CHURCHILL, HARRIMAN, STALIN, MOLOTOV IN MOSCOW.

Gaius and Germanicus turn their debate to American migration patterns, with Gaius arguing that modern elites exploit immigrants as property for cheap labor and political votes, echoing historical patterns of indentured servitude that built colonial economies. Germanicus draws comparisons to Rome, noting that the empire successfully assimilated diverse races through genuine upward mobility and citizenship pathways that created loyalty across ethnic lines. However, he warns that the Western Empire eventually collapsed when Germanic tribes entered not as individuals seeking assimilation but as unassimilated national groups maintaining separate identities and allegiances. Germanicus cautions that current policies encouraging migrants to remain culturally separate rather than integrating into the host society dangerously resemble the dynamics that fractured Rome. The pair concludes that immigration has been a neuralgic obsession throughout American history, with elites consistently exploiting immigrant labor while simultaneously fearing political insurrection from unassimilated populations.1863 DRAFT RIOTS NYC

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In this episode of The PDB Afternoon Bulletin: First up—as U.S. pressure mounts, Iran appears to be hiding activity at its nuclear sites. New satellite imagery shows roofs built over bombed facilities, blocking the world's view of what may have survived last year's strikes. I'll have the details. Later in the show—another sign that U.S.–Venezuela relations are shifting, as an American ambassador arrives in Caracas to formally reopen the U.S. embassy for the first time in seven years. To listen to the show ad-free, become a premium member of The President's Daily Brief by visiting https://PDBPremium.com. Please remember to subscribe if you enjoyed this episode of The President's Daily Brief. YouTube: youtube.com/@presidentsdailybrief American Financing: Call American Financing today to find out how customers are saving an avg of $800/mo. NMLS 182334, https://nmlsconsumeraccess.org APR for rates in the 5s start at 6.196% for well qualified borrowers. Call 866-885-1881 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/PDB  Mars Men: For a limited time, our listeners get 50% off FOR LIFE, Free Shipping, AND 3 Free Gifts at Mars Men at https://Mengotomars.com  Ava: See how millions are boosting their credit with Ava—download the Ava app & use code BAKER for 20% off your first year. Learn more about your ad choices. Visit megaphone.fm/adchoices

The staff writers Emily Witt and Ruby Cramer discuss the situation in Minneapolis, a city effectively under siege by militaristic federal agents. “This is a city where there's a police force of about six hundred officers [compared] to three thousand federal agents,” Witt points out. Cramer shares her interview with Mayor Jacob Frey, who talks about how Minneapolis was just beginning to recover from the trauma of George Floyd's murder and its aftermath, and with the police chief Brian O'Hara, who critiques the lack of discipline he sees from immigration-enforcement officers. Witt shares her interviews with two U.S. citizens who were detained after following an ICE vehicle; one describes an interrogation in which he was encouraged to identify protest organizers and undocumented people, in exchange for favors from immigration authorities. Ruby Cramer's “The Mayor of an Occupied City” was published on January 23rd. Emily Witt's “The Battle for Minneapolis” was published on January 25th. The Political Scene draws on the reporting and analysis found in The New Yorker for lively conversations about the big questions in American politics. Join the magazine's writers and editors as they put into context the latest news—about elections, the economy, the White House, the Supreme Court, and much more. New episodes are available three times a week. Tune in to The Political Scene wherever you get your podcasts. Learn about your ad choices: dovetail.prx.org/ad-choices

Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bonefrog https://BonefrogCoffee.com/ToddGet the new limited release, The Sisterhood, created to honor the extraordinary women behind the heroes. Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.Why God Cannot Bless Canada - Is the USA Far Behind? // Don Lemon Was Not Arrested For Speech  // There's No Such Thing as Resting In PowerEpisode links:'AGAINST HER WILL': Elderly Canadian woman euthanized by government after husband got sick of caring for her: report; The review raised concerns about potential coercion, citing the husband's caregiver burnout, limited access to in-patient palliative care, and the fact that MAiD assessments were conducted with the spouse present.Trudeau's Canadian medical professionals are now pressuring the mentally or physically ill, disabled, infirm and elderly to kill themselves by euthanasia (MAID) because of their “burden on the healthcare system”Today, Margaret Marsilla, mother of 26-yr-old Kiano Vafaeian, who Canada euthanized, read statements from several doctors who refused to approve MAID for him before Dr. Ellen Wiebe, aka “Dr. Death,” authorized it.Everyone needs to watch and understand this from a woman who exists because her mother was raped and chose to give birthDon Lemon admits to turning his camera off so as to not report "critical information."‘Heartbreaking,' ‘Terrifying'; CNN Suffers Epic MELTDOWN Over Don Lemon's Arrest‘What in the World'; CBS Flips Over Don Lemon Being Arrested for Role in Church MobTo All Those Dems Saying They'd Never Cheer The Arrest Of A Journalist… Let's Look At What They Did To Journalist  @SteveBakerUSA  For Covering January 6th! Unlike Don Lemon, Baker Did Not Conspire With Organizers. He Actually Covered The Event.Blaze Media journalist Steve Baker discusses his arrest at the hands of Biden's weaponized FBI, which included being put in leg-irons for misdemeanor charges relating to his reporting on J-6.I am finally out of prison. Happy to be free, grateful to be loved, and excited for what's next. My spirit is bright. My heart is full. My mind is sharpened. My soul is rejuvenated. My faith in God solidified. My faith in the American people reaffirmed.I was charged with a FEDERAL CRIME by @NatlParkService in St. Augustine, Florida for committing the GRAVE offense of asking Democrats questions on public property! Keep federal agents out of our cities... unless they're locking up conservatives for different opinions! - Kaitlin Bennett “Through Beauty 2 The Streetz, Shirley Raines gave Skid Row more than food and makeovers, she gave hope. She reminded us that dignity is a human right, no matter your zip code. A Sister to the people. Her impact will live on. Rest in Power, Shirley” - News ReportShirley Raines also said this: "The Queen of Gospel" Mahalia Jackson died on this day in 1972. Rest In Power!

This is a FIRST for The Diary Of A CEO…a live snake on set, with jungle explorer PAUL ROSOLIE.  After 20 years surviving jaguars, anacondas, cartels, and uncontacted tribes, he warns of a collapse that could end life on Earth! Paul Rosolie is an American conservationist who has spent over 2 decades living in the Amazon rainforest. He is the co-founder and director of Junglekeepers, a non-profit protecting areas of rainforest from logging and mining, and is the bestselling author of books such as, ‘Junglekeeper: What It Takes to Change the World'.  He explains:  ◼️What happens when a live snake is inches from your face ◼️Being surrounded by warriors with 7-foot bows and arrows ◼️Why humans living outside history don't suffer modern misery ◼️How the jungle keeps you alive when everything goes wrong ◼️The moment you realise this place is bigger than humanity itself (00:00) Intro (02:34) On a Mission to Save the Amazon (05:32) A Jungle Warning After 20 Years Off the Grid (11:25) How a Wild Adventure in Peru Changed Everything (15:34) What It's Like Meeting Uncontacted Tribes for the First Time (19:58) Why This Ancient Forest Could Disappear Forever (26:36) What Living in the Amazon for a Decade Does to You (28:56) How We Discovered the Uncontacted Tribes (42:04) Unseen Footage the World Wasn't Supposed to Watch (46:01) When Tribe Women Took Our Food—And What It Meant (47:06) Do Uncontacted Tribes Really Eat Humans? (54:20) How Many Hidden Tribes Still Exist? (59:13) Can These Tribes Actually Communicate With Monkeys? (01:01:39) What If They're Just Searching for Happiness? (01:03:25) Do Tribal People Still Live in Huts? (01:06:40) The Most Haunting Stories I've Heard in the Jungle (01:09:26) Why I Had to Stop Here (01:10:18) Would You Survive Living Like an Uncontacted Tribe? (01:11:35) Ads (01:13:53) How I Almost Got Crushed by a Snake (01:15:53) The Terrifying Reality of Being Eaten Alive (01:18:06) How Jane Goodall Saved My Life (01:22:09) The TV Show I Made to Help the Amazon (That Went Terribly Wrong) (01:29:36) The Truth About Handling Deadly Snakes (01:44:24) Should You Really Be Scared of Snakes? (01:46:18) Ads (01:47:41) What 20 Years in the Jungle Taught Me About Life (01:55:50) How Do You Know When It's Time to Quit? (02:12:17) Are Humans Really the Most Important Species? (02:16:06) AI, Robots, and the Jungle's View of Modern Tech (02:23:15) I Saw the Creation of the Universe on Ayahuasca (02:27:22) What Is the Jungle Keeper's Mission Really About? (02:30:20) Ancient Medicine Hidden in the Amazon (02:34:30) What It's Like Living in the Jungle With My Wife (02:41:42) What Still Scares Me After All These Years (02:44:14) If You Had 3 Years Left, What Would You Regret? Enjoyed the episode? Share this link and earn points for every referral - redeem them for exclusive prizes: https://doac-perks.com  Follow Paul:  Instagram - https://bit.ly/4t6fvIs TikTok - https://bit.ly/45F9xEx  Facebook - https://bit.ly/4a2tV3E  Junglekeepers - https://bit.ly/3NNDFre  You can purchase ‘Junglekeeper: What It Takes to Change the World', here: https://amzn.to/4q8WK4u  The Diary Of A CEO: ◼️Join DOAC circle here - https://doaccircle.com/  ◼️Buy The Diary Of A CEO book here - https://smarturl.it/DOACbook  ◼️The 1% Diary is back - limited time only: https://bit.ly/3YFbJbt  ◼️The Diary Of A CEO Conversation Cards (Second Edition): https://g2ul0.app.link/f31dsUttKKb  ◼️Get email updates - https://bit.ly/diary-of-a-ceo-yt  ◼️Follow Steven - https://g2ul0.app.link/gnGqL4IsKKb  Sponsors: Intuit -  If you want help getting out of the weeds of admin, https://intuitquickbooks.com     Pipedrive - https://pipedrive.com/CEO  Apple Card - https://Apple.co/get-daily-cash   Apple Card issued by Goldman Sachs Bank USA, Salt Lake City Branch. Offer may not be available everywhere. Terms and limitations apply.

Between 1986 and 1989, at least six young people were murdered and two more disappeared across Virginia. The FBI long believed the crimes were likely the work of a serial killer. Among the victims were Cathy Thomas and Rebecca Dowski, murdered in October 1986. Laura interviews Bill Thomas, Cathy's brother, and Kristin Dilley from Mind Over Murder to discuss who was behind Cathy and Rebecca's murders -10 years after Laura's first interview with Bill. Bill explains that Alan Wade Wilmer Sr. was identified as the serial killer and discusses his unanswered questions for the FBI. Don't miss this discussion on a major unsolved American case, focusing on victims' families and insights from serial killer investigations. *Spicy rating – listener discretion is advised* Catch up on the series here: Ep 118: The Murders of Cathy Thomas and Rebecca Dowski and the Colonial Parkway Murders, Part 1 Ep 120: The Murders of Cathy Thomas and Rebecca Dowski and the Colonial Parkway Murders, Part 2 Ep 121: The Murders of Cathy Thomas and Rebecca Dowski and the Colonial Parkway Murders, Part 3 Ep 168: UPDATE: Serial Killer Identified in the Colonial Parkway Murders, Part 1 Ep 172: UPDATE: Serial Killer Identified in the Colonial Parkway Murders, Part 2 Ep 173: UPDATE: Serial Killer Identified in the Colonial Parkway Murders, Part 3   #CathyThomas #BeckyDowski #DavidKnobling #RobinEdwards #KeithCall #CassandraHailey #DanielLauer #AnnamariaPhelps #Virginia #AmberLundgren #BelindaAnnAshburn #MaryHarding #AlanWadeWilmerSr #CrimeAnalyst #Expert #Analysis #TrueCrime #Podcast #Crime  Clips  FBI Links Colonial Parkway Killer To First 2 Murders Sources  Hulu's Caroline Flack: Search for The Truth Caroline Flack: Her Life and Death  More from Bill Thomas and Kristin Dilley Colonial Parkway Murders Facebook Page: https://www.facebook.com/mindoverpodcast  Bill and Kristin's podcast, Mind Over Murder: mindovermurderpodcast.com   Thank You to Crime Analyst Sponsors Who Make the Show Possible. Support The Show Thorough the Sponsors: Feel like your best self again, visit forhers.com/CRIME to get a personalized, affordable plan that gets you. Refresh your wardrobe with Quince. Go to Quince.com/CRIMEANALYST for free shipping on your order and 365-day returns. Now available in Canada, too.   2026 Masterclasses and Crime Analyst Resources and Community     Laura offers 2026 Masterclasses covering topics such as profiling behavior, stalking class on February 12, preventing murder and suicide in slow motion on February 19, coercive control February 25, DASH Risk Masterclass March 11 and 12 and DASH Train the Trainer.  Register for Masterclasses     Laura is hosting a FREE Criminal Behavioural Analysis: Profiling Behaviour & Escalating Risk- Learn about behaviours to prevent homicides & identifying the red flags and risks associated with domestic abuse, stalking, coercive control, child abuse & sexual violence. You can register here. www.dashriskchecklist.com   www.thelaurarichards.com     For more insight and knowledge, advocacy and professional development join The Crime Analyst Squad. It's a growing and dynamic community offering expert insight, in-depth conversations, exclusive episodes and videos, and live events: www.Patreon.com/CrimeAnalyst   Subscribe to Crime Analyst YouTube: @crimeanalyst     Facebook: Crime Analyst Podcast     Instagram: @crimeanalyst, @laurarichards999     Threads: @crimeanalyst     X (Twitter): @thecrimeanalyst, @laurarichards999     TikTok: @crimeanalystpod     Website: www.crime-analyst.com     If you found this episode valuable, please consider leaving a five star review wherever you listen. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The 118th Millrose Games lived up to the hype! Chris Chavez, Kyle Merber, Anderson Emerole, Eric Jenkins, and Aisha Praught-Leer break down the biggest performances, top highlights, and most surprising results that went down at The Armory in NYC this afternoon.Some of the top highlights include:- Men's Wanamaker Mile: Cam Myers won in 3:47.57, becoming the youngest ever winner of the Wanamaker Mile. Yared Nuguse finished second in 3:48.31, with Hobbs Kessler third in 3:48.68 and Nico Young fourth in 3:48.72. - Women's Wanamaker Mile: Nikki Hiltz took the title in 4:19.64, followed by Jess Hull in 4:20.11 and Klaudia Kazimierska in 4:21.36.- Men's Two-Mile: Cole Hocker won in 8:07.31, edging Josh Kerr (8:07.68), with Parker Wolfe third (8:07.93) and Ky Robinson fourth in 8:08.40.- Women's 600m: Roisin Willis topped the field in 1:24.87 after setting the indoor 800m American record just a few days ago.- Three indoor collegiate records were shattered: NAU's Colin Sahlman in the 800m, Alabama's Doris Lemngole in the 3000m (with BYU's Jane Hedengren also dipping below the previous record), and New Mexico's Habtom Samuel in the two-mile. + Lots More_____________________SUPPORT OUR SPONSORSOLIPOP: Olipop is a better-for-you soda that puts 6-9g of fiber in every single can. This winter, Olipop's holiday cans are back featuring their Yeti Trio. Olipop is a smart, simple way to add more fiber to your day. No recipes, no resolutions, no salads required. Whether you're team Vintage Cola, Crisp Apple, or Ginger Ale, bundle up, pour yourself a can, and sip on some fiber. ⁠⁠⁠⁠⁠⁠Visit DrinkOlipop.com and use code CITIUS25 at checkout to get 25% off your orders.

Epstein files round three is here. 3.5 million pages of mind numbing emails, accusations and reveals all painting a clear picture of the level of moral bankruptcy and social decay that leads our nation. The elites are pulling the strings, the people are at each others throats and the oligarchy is laughing itself to sleep. Time for us to step back, take a deep breath and realize how much we have in common, rather than focus on the things we are programmed to believe that divide us. Time to be American's again. Time to be Peacemakers... for they will be called the son's of God.  #BardsFM_Morning #PuppetsOnAString #Peacemakers Bards Nation Health Store: www.bardsnationhealth.com EnviroKlenz Air Purification, promo code BARDS to save 10%: www.enviroklenz.com EMPShield protect your vehicles and home. Promo code BARDS: Click here MYPillow promo code: BARDS >> Go to https://www.mypillow.com/bards and use the promo code BARDS or... Call 1-800-975-2939.  White Oak Pastures Grassfed Meats, Get $20 off any order $150 or more. Promo Code BARDS: www.whiteoakpastures.com/BARDS BardsFM CAP, Celebrating 50 Million Downloads: https://ambitiousfaith.net Morning Intro Music Provided by Brian Kahanek: www.briankahanek.com Windblown Media 20% Discount with promo code BARDS: windblownmedia.com Founders Bible 20% discount code: BARDS >>> TheFoundersBible.com Mission Darkness Faraday Bags and RF Shielding. Promo code BARDS: Click here EMF Solutions to keep your home safe: https://www.emfsol.com/?aff=bards Treadlite Broadforks...best garden tool EVER. Promo code BARDS: TreadliteBroadforks.com No Knot Today Natural Skin Products: NoKnotToday.com Health, Nutrition and Detox Consulting: HealthIsLocal.com Destination Real Food Book on Amazon: click here Images In Bloom Soaps and Things: ImagesInBloom.com Angeline Design: AngelineDesign.com DONATE: Click here Mailing Address: Xpedition Cafe, LLC Attn. Scott Kesterson 591 E Central Ave, #740 Sutherlin, OR  97479

With the American government embarrassing its citizens on the world stage and shooting them dead in the streets, we're not going to work, to school, or shopping today. Rich is wondering whether or not the general strike will prevent him from living his daily life.Jameela Jamil is now involved in the It Ends with Us drama, after court documents reveal that she was texting with Justin Baldoni's crisis publicist about boosting anti-Blake Lively TikToks. After the documents went public, Jameela posted a TikTok herself, centering herself in the drama. She also blocked Tracie and Pot Psychology on TikTok this week.Huge news: an ANTM docuseries is about to hit Netflix, and some former contestants are sour about it.To access video episodes, bonus episodes and our premium series WAWU—we're covering season one of The Comeback right now—check out our Patreon.The People Who Died in 2025 Christmas ornament is here! Collect them all!Check out potential drama and our Diamond Girls on our Instagram. ★ Support this podcast on Patreon ★

My Conversation with Dr Greer begins at about 46 minutes Subscribe and Watch Interviews LIVE : On YOUTUBE.com/StandUpWithPete ON SubstackStandUpWithPete Stand Up is a daily podcast. I book,host,edit, post and promote new episodes with brilliant guests every day. This show is Ad free and fully supported by listeners like you! Please subscribe now for as little as 5$ and gain access to a community of over 750 awesome, curious, kind, funny, brilliant, generous souls Dr Greer recently appeared with Dr Jason Johnson on Culture Jeopary, more importantly she has published a new book that we talk about. It's called How to Build a Democracy (Elements in Race, Ethnicity, and Politics) The Blackest Question is a Black history trivia game show. Join Dr. Christina Greer as she quizzes some of your favorite entertainers, history makers, and celebrities while engaging in conversations to learn more about important contributions in Black history and Black culture. The Blackest Questions entertains and informs audiences about little-known but essential black history. Topics range from world history, news, sports, entertainment, pop culture, and much more. Christina Greer is an Associate Professor of Political Science at Fordham University - Lincoln Center (Manhattan) campus. Her research and teaching focus on American politics, black ethnic politics, urban politics, quantitative methods, Congress, New York City and New York State politics, campaigns and elections, and public opinion. Prof. Greer's book Black Ethnics: Race, Immigration, and the Pursuit of the American Dream (Oxford University Press) investigates the increasingly ethnically diverse black populations in the US from Africa and the Caribbean. She finds that both ethnicity and a shared racial identity matter and also affect the policy choices and preferences for black groups. Professor Greer is currently writing her second manuscript and conducting research on the history of all African Americans who have run for the executive office in the U.S. Her research interests also include mayors and public policy in urban centers. Her previous work has compared criminal activity and political responses in Boston and Baltimore.  Prof. Greer received her BA from Tufts University and her MA, MPhil, and PhD in Political Science from Columbia University On YOUTUBE.com/StandUpWithPete ON SubstackStandUpWithPete Listen rate and review on Apple Podcasts Listen rate and review on Spotify Pete On Instagram Pete on Blue Sky Pete on Threads Pete on Tik Tok Pete on Twitter Pete Personal FB page Stand Up with Pete FB page

As the killing of Minnesota resident Alex Pretti by federal immigration agents has sparked fresh outrage in the state and across the country, some lawmakers have pushed back on the Trump administration's explanation for DHS's aggressive tactics and called for an independent investigation. Correspondent Scott Pelley interviews Sen. Rand Paul, chairman of the Senate's Homeland Security Committee, who summoned top DHS immigration officials to testify later this month. Pelley also speaks with former Justice Department and DHS investigators about the state of the federal probe. Leading up to Artemis II – NASA's first human mission to the Moon in more than 50 years - correspondent Bill Whitaker reports from Kennedy Space Center in Florida on this critical step forward in American space exploration. Whitaker interviews the four astronauts who will embark on the 10-day mission, which could pave the way for a sustained presence on the Moon and lay the groundwork for future missions to Mars. If you think America's top laugh factories are only in New York, Chicago, and LA, think again. Reporting from Amsterdam, correspondent Jon Wertheim takes us inside Boom Chicago, an English-language improv theater founded in the early '90s by two American comics. What sounded like a punchline became a pipeline, launching future stars like Seth Meyers, Jordan Peele, Amber Ruffin, Brendan Hunt and Jason Sudeikis. At a moment when American comedy feels under siege, this beloved Dutch theater keeps proving that funny survives—and travels. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Chicago Way w/John Kass (02/02/26): RealClear Politics' Tom Bevan is here to discuss how we got ourselves to tenuous climate in American politics, what we can learn from his Princeton senior thesis, and why Don Lemon is going to be okay, even if he tells you different. Plus, Kasso wonders if there is a more […]

Matthew Sweet reports from an exhibition in Sweden about American conscripts who sought refuge there during the war in Vietnam. He hears from sound artist Nhung Nguyen and film-maker Esther Johnson about their work on archival documents and extracts from the station known as Liberation Radio. This episode of The Documentary, comes to you from In the Studio, exploring the processes of the world's most creative people.

This Detroit Red Wings podcast breaks down two disappointing losses that reveal concerning trends for Todd McLellan's squad. Detroit Red Wings news and analysis covers Patrick Kane's historic milestone overshadowed by DeBrincat's wild performance against Washington and a complete breakdown vs. Colorado. (00:00) - Intro & Episode Overview (03:55) - Red Wings vs Capitals Game Recap Patrick Kane breaks the American-born points record twice, and Alex DeBrincat gets an assist from the cameraman in a wild finish to regulation, and an injured Charlie Lindgren beats Larkin in the shootout at the LCA. (17:30) - Colorado Avalanche Beatdown The Avalanche dismantle Detroit in a forgettable performance that highlighted the Red Wings' inability to match top-tier competition. (25:52) - Team Struggles Deep Dive Dylan Larkin's 5v5 woes, why these losses feel different from earlier season struggles, and what Larkin, Lucas Raymond, and Moritz Seider have to do until Simon Edvinsson returns. (35:15) - Steve Yzerman Trade Rumors Breaking down the latest trade speculation linking Detroit to potential deadline targets as Elliotte Friedman reports the Red Wings' interest in both Artemi Panarin and Logan Stanley. (48:00) - NHL Trade Freeze, Chiarot Contract Details and Dries Re-signed (49:49) - Overtime Mailbag Your questions on roster moves and whether this team is still poised for the playoffs. --- WWP Night at the LCA Night (March 21st) tickets at wingedwheelpodcast.com/redwings This episode is brought to you by Hims. Visit hims.com/wingedwheel for your personalized hair loss treatment options. Support the show: Patreon.com/WingedWheelPodcast Head over to wingedwheelpodcast.com to find all the ways to listen, how to support the show, and so much more!

Former CNN journalist Don Lemon has been arrested for his involvement with a recent church protest in Minnesota. How did such a powerful American voice come to this? Our studious host, Mike Slater, has those answers as he does a deep dive into the life story of this liberal icon.Following that opener, Slater chats with Breitbart Economics Editor John Carney about President Donald J. Trump's new pick to be the next chair of the Federal Reserve: Kevin Warsh. Is this a good pick or a bad pick? Tune in to find out! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In 2007, Amanda Knox, an American studying abroad in Italy, was arrested, tried, and convicted of the murder of her roommate, Meredith Kercher. After years in an Italian jail, she was ultimately freed, reconvicted, and finally exonerated in 2015. Since then, she has married, become a mother, and she has returned to Italy, even meeting with the prosector who concocted outrageous stories that led to her imprisonment. Their meeting is featured in Mouth of the Wolf: Amanda Knox Returns to Italy, a new documentary on Hulu. Amanda joins us to talk about her long series of traumas and who she has become as a result of them. She is joined by her husband and collaborator on the documentary, Christopher Robinson.Thank you to all our listeners who support the show as monthly members of Maximum Fun.Check out our I'm Glad You're Here and Depresh Mode merchandise at the brand new merch website MaxFunStore.com!Hey, remember, you're part of Depresh Mode and we want to hear what you want to hear about. What guests and issues would you like to have covered in a future episode? Write us at depreshmode@maximumfun.org.Depresh Mode is on BlueSky, Instagram, Substack, and you can join our Preshies Facebook group. Help is available right away.The National Suicide Prevention Lifeline: 988 or 1-800-273-8255, 1-800-273-TALKCrisis Text Line: Text HOME to 741741.International suicide hotline numbers available here: https://www.opencounseling.com/suicide-hotlines

Is Donald Trump unstoppable? He has defied laws and norms, thumbed his nose at Congress and foreign allies alike. He has displayed open hostility toward immigrants and American citizens, threatened extreme force against protestors, recently going so far as to mention the Insurrection Act. His ICE thugs roam the streets and are committing atrocities with impunity. We kidnapped the leader of a sovereign nation and are positioning troops for a potential invasion of an allied nation and NATO member. Donald Trump has been one step ahead of the law at every turn and with the courts and Congress in his pocket, many are beginning to wonder if he truly intends to suspend upcoming elections and destroy our democracy once and for all. So let’s talk about it. UNFTR Resources Little Marco’s Coup D’Etat: Kidnapping Maduro. “Project 2025.” Republicans With Time. The BRICS Unit: The Beginning of the End for Dollar Dominance? Video: This is What a Trump Dictatorship Looks Like Book Love James Rickards: Currency Wars: The Making of the Next Global Crisis -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility. Unf*cking the Republic is produced by 99 and engineered by Manny Faces Media (mannyfacesmedia.com). Original music is by Tom McGovern (tommcgovern.com). The show is hosted by Max and distributed by 99.Support the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads and 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds. Don't keep up when true inflation eats six or 7% of your wealth. Every single year I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or GRE, or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989,   Keith Weinhold  33:19   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 chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com