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Fast Freddie is back with his usual shenanigans, hilarious news, booze stories and more! Watch this episode on YouTube: https://youtube.com/live/2xJhq-NxcCE?feature=share

2026 is an important year for the Greater Hartford Gives Foundation. After celebrating its centennial anniversary in 2025, the former Hartford Foundation for Public Giving kicked off the year with a major rebranding and plans for a new headquarters in Hartford's North End. Foundation president and CEO Jay Williams joined the CBIA BizCast to highlight the nonprofit's mission and new chapter. “We wanted a name that was actionable and modern,” he said. “‘Greater Hartford Gives Foundation' speaks to the breadth of our reach and the fact that giving is bidirectional—the community and donors give to us, and we give back to the community.” The foundation partners with donors and nonprofits to support residents in 29 communities that make up Greater Hartford. Williams said their focus is to “dismantle structural racism and help build equitable opportunities” in areas including basic human needs, employment and education, thriving neighborhoods, civic and resident engagement, and the arts. “The mission is about putting philanthropy into action to create lasting solutions, to help add vibrancy to all the 29 towns that we serve.” Williams said their centennial year showcased those priorities in practice. The foundation recapitalized local funds in each of its 29 towns with $100,000 for volunteer-led grantmaking, launched the Greater Future Scholarship in partnership with Hartford Promise—providing up to $100,000 in financial assistance plus a decade of wraparound supports—and announced $6 million in investments for artists and arts organizations across the region. The nonprofit also partnered with the Connecticut Forum for an event with President Barack Obama in Hartford. “The entire year was about just trying to convey to the community how deeply appreciative we were, and continue to be of their generosity, and to also demonstrate that we are here for good—we are here for the next 100 years,” Williams said. The foundation closed the year by unveiling the new name and a plan to break ground on a community-centered headquarters in the city's North End. The building will serve as a community hub, convening donors and nonprofits. It will also offer a no-cost space for neighborhood groups and community organizations. “We want to assist the small businesses in that Albany Avenue, Main Street corridor. We want the citizens and the neighborhood groups to have access,” he said. Williams' path to the foundation began in Youngstown, Ohio, a city he said has a similar blue-collar grit and perseverance to Hartford. After starting his career in banking, he moved into public service as the city's director of community development. He was elected mayor in 2005, becoming the youngest and first Black mayor in the city's history. His focus on economic revival eventually led him to Washington, D.C., where he joined the Obama administration in 2005 with roles focused on community and economic development. Williams said he never sought out the position in the administration but felt humbled by the opportunity. "When your secretary calls and says, 'The White House is on the phone,' you've got to take that call," he said. Williams joined the foundation in 2017. “The board was looking for someone with some community economic development background,” he said. “To me, I was like, this is the perfect combination. If someone said, ‘write your next perfect job,' this would have been it.” Reflecting on his career, Williams said each chapter has reinforced the same lesson: “It's more important to be impactful than it is to be successful,” he said. “If you focus on relevance and impact, success will follow.” Related Links: Greater Hartford Gives Website: https://greaterhartfordgives.org/ LinkedIn: https://www.linkedin.com/company/greaterhartfordgives/ Jay Williams LinkedIn: https://www.linkedin.com/in/jay-williams47/ CBIA Website: https://www.cbia.com/ LinkedIn: https://www.linkedin.com/company/cbia/

Keith explores two big themes shaping real estate investors' futures: Why more Americans are becoming "forever renters"—and how long-term lifestyle and demographic shifts (not just today's prices and rates) are quietly reshaping the demand for rentals. The growing conversation around eliminating property taxes—which states are making the most noise, and why the real issue isn't whether property taxes go away, but what would realistically replace them. Keith also zooms out for a quick year-end tour of major asset classes—from stocks and real estate to metals and crypto—so listeners can see where real estate fits in the broader investing landscape and what these shifts might mean for their wealth-building strategy. Episode Page: GetRichEducation.com/588 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, the Forever renter trend keeps getting embedded deeper into American culture. What's behind it? It's more than just finances. Then there's been more talk about eliminating property taxes, if they go away, what replaces them? And we'll discuss more today on get rich education.   Keith Weinhold  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   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  1:28   Welcome to GRE from Jamestown, New York to Jamestown, North Dakota and across 108 nations worldwide. I'm Keith Weinhold, and this is get rich education. Most investments reduce your income until you can start drawing on it and paying taxes on it in your 60s. That's a lot of decades of living below your means. Here learn how to grow your means and invest in vehicles that pay you when you're young enough to enjoy it and pay you five ways tax advantaged. Hey, there's a big misunderstanding about the housing market taking place right now. Yes, today's higher cost of home ownership contributes to Americans renting longer, for sure, but let's not make the mistake of thinking this is a new phenomenon just because home prices moved higher or mortgage rates began normalizing again a few years ago, that's not what it's about Americans renting longer. That is a trend decades in the making, and it has had and will continue to have major implications on the rental housing market decades into the future, buying your first home at 25 that was your grandparents or maybe your parents. Today, it kind of goes like this in life's journey for the wannabe homeowner, First comes the gray hair, then comes the mortgage. Last year, we learned that the average first time homebuyer age in America has moved up to 40. Back in 1981 it was age 29 per the NAR. More specifically one's real estate journey, it basically now goes like this, rent, rent, rent, have roommates again, go back to renting, chiropractor, Bank of mom and dad, then a mortgage maybe.   Keith Weinhold  3:34   Yeah, the home ownership rate, it keeps falling among every age group, most sharply among 30 somethings. The translation here is that more renters are coming. For those in their 30s, the home ownership rate maxed out at 69% in 1980 it's fallen to just 47% today. Those that are older, for those in their 40s, the homeownership rate maxed out at 78% in 1982 it has fallen to just 62% today and so on. Every 10 year age group all the way to those age 80 plus, the homeownership rate has fallen for all of them over the decades too, every single age cohort. The home ownership rate has fallen over the decades, and that is all per the Census Bureau. I'll tell you why this forever renter trend just keeps strengthening in a moment. But if you don't own your home, here are your current housing options. You can live with your parents. Yes, welcome back childhood bedroom with those glow in the dark stars on the ceiling. Sadly, you can be homeless. That is really not good. Or the other option is you can rent something nice, new, modern, and energy eficient. The group in which home ownership has fallen the most are those 30 somethings. 20 somethings aren't even part of what the Census Bureau reported here. It fell most sharply in the 1980s and then again, after the great recession. And here's what I know you might be thinking because we have some of the smartest listeners around. I bet that during times that buying was cheaper than renting, the trend reversed. That's what you might be thinking. No, it didn't. Regardless of what is cheaper, over time, the home ownership rate just keeps falling despite those periods, whatever is cheaper renting or owning now the overall home ownership rate that's fallen just since 2023 from 66% down to 65% that might not sound like much, but a Full 1% drop there means 1.3 million new renters already, just since 2023 and now you might be thinking, well, this is like totally because home prices and mortgage rates have been higher since that time. They've been higher since 2023 you are, in fact, somewhat correct about the affordability on a median priced home today, which is around 420k, I mean a 10% down payment and closing costs, that means you're out of pocket, probably more than 50k and it's 100k plus for a 20% down payment. And this is often an insurmountable hurdle without financial help from the Bank of mom and dad. But this is all part of a longer, multi decade set of trends. And look, a lot of these trends don't have much of anything to do with finances. People are renting longer because Americans wait longer to marry and have kids, and this has persisted, whether economic cycles are good or bad, and certainly, regardless of what mortgage rate levels are, younger generations value flexibility. That's another reason people are renting longer. Also 30 somethings are just simply more comfortable with subscription models like renting. I mean, look at Netflix and Uber and Spotify. It's been decades since anyone actually bought DVDs or CDs. Yeah, renting is just sort of another subscription model. More. Boomers are also renting for convenience. They would rather play pickleball instead of mow a lawn. This is something that they figured out a while ago. Also higher consumer and educational debt keeps people renting. You've got buy now, pay later. Companies like Klarna that are booming and mortgage eligibility got sucked from souls when all this happened? Hey, I've got more a ton of reasons for why more and more people are renters today, and how this trend is your friend if you are a rental property investor.    Keith Weinhold  8:13   Also, let's be mindful when we broke the gold standard in 1971 asset prices took off like a Blue Origin launch, and wages stagnated. That makes it tough to patch together a down payment and look, there is still an antiquated notion out there that apartments especially are like replete with paper thin walls and one in every five units is a meth lab. Have you toured apartment buildings, fourplexes, duplexes and single family rentals built in the last 10 years? Sheesh. Great amenities. Expect to see granite countertops, patios, fenced yards, gyms, sometimes even pet spas at Class A apartments, washer, dryer in unit. I mean, that has been standard for a long time, LED lighting, smart locks, increasingly office nooks for remote workers. Those are the modern amenities that you find in a rental. So the bottom line here is that as Americans age, there is an elongated renter stage of life. It's not just prices or rates, it is lifestyle. And this is why, even when affordability improves, the homeownership rate should continue to drop. More rental demand is coming. So yes, an elongated renter stage, this forever renter, if you will. That is somewhat about finances, but it is more, and this shapes the landlordtenant landscape for decades. And of course, your advantage here at GRE is even if you live in a High Cost part of the nation, we know how to buy here, say, a brand new build to rent single family property in an investor advantage place like Indiana, Missouri, Alabama or Florida, and we get it for, say, 300k or so, and you get a tenant that will pay you rent for four years or more in a lot of cases. So we've been talking about where the rental demand is coming from. It is both a lifestyle choice and a financial consideration for your tenant. Now this forever renter trend, that's something that really matters if you are providing housing to people. But some real estate trends just move so slowly, so glacier like that, you can kind of get lulled to sleep, until one day you look up and a trend has crystallized like the one that I just described. Let's compare a trend like that to something that people think matters a lot, and this does matter, but its importance is overinflated, and that is, for example, the President's nomination of a new Fed chair this year, and how that's going to move the real estate market. No, not as much as people think, as we've learned here, mortgage rates actually don't have that much to do with home prices. And yes, mortgage rates do move. They are correlated with the Fed funds rate. Yes, they are. When one is high, the other will be high. When one is low, the other will be low. They just don't move in direct lockstep. Let's listen in to the remarks of one Donald John Trump on the matter, because he talks about housing here. This is about a minute long, and then I come back to comment when Trump says him, he is apparently pointing to Treasury Secretary Scott Besant, who was in the room at the time, but as you'll hear, he's not expected to be the Fed Chair selection.    Speaker 1  12:06   Have you started the interviews for the Fed chair? Yes. Who have you interviewed? Ithink I already know my choice well. I like to him, but he's not going to take the job very fast. You like Treasury better, right? Much better, sir. So we are talking to various people and the I mean, frankly, I'd love to get the guy currently, and they're out right now,but people are holding me back. He's done a terrible job, hurting housing a little bit. The truth is, we've been so successful, we've blown past his interest rate. Stupidity. He's been wrong. That's why I call him too late. He's too late. Jerome, too late. Powell, he was recommended to me by a guy that made a bad, you know, bad choice, and it's too bad. But despite that, it's having very little impact, because we have, you know, we have all of these things happening, but it has an impact on housing to a certain extent. He's a fool. He's a stupid man, but we have some very good people   Keith Weinhold  13:09   yeah. So this matters, but it's as much entertainment and almost comedy against a demographic trend like the Forever renter propensity, a calendar year recently ended. It's time to make a quick rundown of the overall investing landscape. Once in a while we do that. It's good to check the movement on other asset classes outside real estate. It's our asset class rundown for last year, the s, p5, 100 was up nearly 17% that's the third year in a row of double digit gains in the year that Warren Buffett stepped down as CEO of Berkshire Hathaway, there's a warning. The S and P Schiller price to earnings ratio soared above 40 for only the second time in history. That's an indicator that stocks are overvalued. The only other time that happened was during the.com bubble in real estate, single family home values were up about 2% per the NAR just over 1% per Kay Shiller, apartment building values were flat to a slight decline. There is no such thing as an official apartment building Price Index, CPI inflation, up almost 3% on the year. It now hasn't been at the Fed's target of 2% or lower for a calendar year since 2019 Yeah, it has run hot all that time. Last year, mortgage rates fell from 6.9% to 6.2% and then, as you would expect, the yield on the 10 year treasury note also fell from 4.6 to 4.2 The dollar fell hard with a thud down 9% its worst performance since 2017 WTI oil prices fell from 70 bucks to $58 that's an 18% decline, but really the story of the year among all asset. Classes is what happened with precious metals, gold up a staggering 68% over the past year, touching an all time high of about $4,500 silver, up about 155% leaving investors flabbergasted and slack jawed, touching an all time high of over $80 platinum and palladium had near triple digit gains the real price of gold. This means inflation adjusted even jumped to its all time high last year, significantly surpassing the previous peaks of 1980 2011, and 2020. Realized this. More than 80% of all the recoverable gold on earth has already been extracted. Silver has been the top performing major asset class. In fact, today, a little one ounce silver coin is worth more than a 300 pound barrel of oil. Sticking with the topic of metals, inflation finally killed a penny. The last one was minted in 2025 in Philadelphia, ending a continuous run of the US minting the penny since 1792 no more. Bitcoin was down 6% falling from 93k to 87k the NASDAQ is aiming for near round the clock trading. It currently trades 16 hours a day, five days a week. They are looking to go up to 23 hours a day, five days a week in the second half of this year. That's our year end asset class rundown    Keith Weinhold  16:34   coming up in future weeks of the get rich education podcast. I am going to do an episode on overpopulation versus underpopulation? Is the world over or underpopulated, and is the United States over or underpopulated? This obviously has huge implications for the housing market. Then on another episode, we're going to discuss a real estate axis strategy we've never discussed before, called the 721 exchange. Now you might have heard of the better known 1031 tax deferred exchange, but the 731 is different. When you get older as a property owner and you realize that you don't want the hassles of landlording anymore, you can sell your properties to a partnership. The 721 exchange dictates that this is not a taxable event, and therefore no capital gains taxes or depreciation recapture are due. Property owners still get the benefits of cash flow and the appreciation across a greater number of properties and markets, and it's a great estate planning tool as well. Yes, that's the 721, exchange. We are going to cover it here. When it comes to investment real estate, I guess we cover nearly everything that's coming up on a future episode. As for today, we're talking about property taxes, if they go away, what replaces them that comes up shortly? Visit get richeducation.com to learn more about how we help you and what we do, and to get connected with real estate. Pays five ways type of properties. Visit gre marketplace.com. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  18:23   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products. They've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989,yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  19:34   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    Jim Rickards  20:05   this is author Jim Rickards. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:22   Welcome back to get rich education. Episode 588 for the 12th consecutive year here, I'm your host. Keith Weinhold, I look forward to perhaps meeting you in person this coming weekend, as I'll be attending the real estate guys create your future goals retreat event in Colorado Springs. You probably remember that we have had the events host and leader, Robert Helms, of the real estate guys on the show with us here several times in the past. What a class act I am spending a few extra days after the event in Colorado Springs to both look at local real estate in that market and climb the Manitou incline, that's this grueling climbing challenge up a slope of Pikes Peak. If you want to climb with me after the real estate guys event, bring your running shoes and I'll lead a group of us up there    Keith Weinhold  21:13   if property taxes go away, what replaces them? Realtor.com recently had a terrific article about this that you can look up the property tax revolt is spreading, but the replacement plan isn't let's look at the probability and possibility of eliminating property tax. Think about how property tax elimination would increase the value of your property well, because now every buyer could afford to pay more, since they won't have that property tax expense. And of course, if you were to remove property tax as a line item from your income and expense statement, your cash flow could double, triple, or even five or 10x depending on your current cash, on cash return. But that cash flow part is less likely because most efforts to eliminate the property tax, they focus on homes, primary residences. Well, several states have either active legislation efforts or these sort of informal grassroots movements to significantly cut down or just totally abolish property tax, but no state has fully eliminated them yet. The most prominent efforts are in five states, most notably Florida, where Governor Ron DeSantis has made the most noise about it. He proposed eliminating property taxes on homesteaded which are primary residence properties, and he aims for a constitutional amendment on the November ballot to achieve this, that is 10 months from now. And that proposal, it's still pretty early in the legislative stages, and the state is also considering property tax rebates in the meantime. Now, even if you own rental property, and property tax were only eliminated on primary residences, it would still cause the value of your property to boom pretty nicely, even if it didn't help the cash flow. The state that's made the second most noise is Ohio. A grassroots organization has called Citizens for property tax reform. They have actively campaigned to place a constitutional amendment on their ballot that would just totally abolish property taxes statewide. Third most is Kansas. They propose legislation and that aims to effectively bump up sales tax to replace property tax. The fourth out of five is North Dakota. Let's look at what they're doing following a failed 2024, ballot measure to just totally abolish the property tax outright. Well, there's a new proposal from the governor, and that seeks this phased out elimination for most homeowners over a decade. And see, North Dakota has a slightly better chance of pulling that off, because they can fund that from the state's Legacy Fund, that's their oil well fund, and then making the fifth most abolition of property tax noise is my home state of Pennsylvania. Lawmakers have introduced bills to eliminate all property tax. They also aim for a constitutional amendment to put that issue before the voters. So they are the five states that have made the most noise, and that's what their approach is.    Keith Weinhold  24:43   Now, seemingly for most of my life, homeowners and landlords have griped about property tax, saying it's the most ridiculous tax of them all, because you pay it year after year after year in perpetuity. And it just never goes away. Unlike other taxes that are just a one time tax, even if your property's mortgage is paid off, you still have a house payment, and that is largely due to property tax. Understand, though, that currently a lot of states give you a reduced property tax once you reach a senior age, usually age 65 plus some start as low as 61 but when it comes to eliminating the property tax, there's a part of the conversation that's really important, and it has been notably absent, and that is a novel solution to replace the lost revenue. And it gets rather interesting to look around and see where else the money might be raised if they eliminate property tax. See, and this is really important to understand, property taxes generate 70% of local revenue, up to 90% of school funding and 25% of all state and local tax revenue in aggregate in Florida. Okay, that's just in Florida those numbers, but a lot of states have a similar scenario, and in Florida, that comes out to about $50 billion a year. That is a big hole to plug, that is a big gap to fill, and it underlines both the burden homeowners are currently shouldering and how hard it's going to be to fill that gap with anything that's more stable or equitable, that's going to last as a funding source, yes, 90% of school funding. You heard that, right? If you talk to an old timer, you know sometimes you still hear an elderly person refer to property taxes as school taxes. So see, this question of, Do you want to abolish property taxes? One reason that's become louder and louder these past few years, and why you hear more about it is due to that increased affordability strain. That's why you're hearing more about it now the question, do you want to abolish property taxes? That is the wrong question. A grassroots push to AX the property tax that's gained traction, really, among some senior homeowners facing property tax bills that are as high as their mortgage. Once was last summer, for example, in Mahoning County, Ohio, the tax delinquency rate hit 18% almost one in five people having trouble paying their property tax, and that county had more than 70 million in unpaid property taxes. In some neighborhoods in Youngstown, as many as one in three homeowners were behind. And in Cuyahoga County, which is basically Cleveland, values jumped 32% on average after reassessments that fueled a $60 million dollar increase in past due balances this whole do we want to abolish property taxes? Question? You're going to see why that's the wrong question and why it's incomplete, because that slogan that skips the only part that really matters here, and that is, what is the replacement plan, realistically, taxpayers should be asked if, in lieu of property tax, they'd rather pay higher sales taxes or higher income taxes, or for those with no state income tax, like Texas or Florida, pay one for the first time. I don't like those answers. I wish governments would spend more efficiently, but that's not the angle that we're looking at here. Property taxes are the true lifeblood of local governments. I mean, they fund everything from public safety to roads to schools, and just because property taxes disappear, well that doesn't mean that the need for firefighters goes away, that the need for police officers goes away, or the infrastructure for public school systems is going to be gone, or the roads go away. So if property taxes are cut, then another revenue generating device has to emerge to keep services funded and running. And it's a little funny. I've been talking about certain states here. But of course, property taxes are exacted and assessed at the county and local level. And look, I mean, you know how the world works, you know what the nature of society is. As soon as someone has their income stream, they quickly grow into that lifestyle and the new larger spending pattern. So taking away an existing income stream or even reducing it a little, I mean, that can almost trigger outrage and protests, for example, the outcry that we had last year about cutting snap payments. But it works this way. With anything. I mean, sheesh. For the majority of Americans, if you cut their income even 10% they would struggle to survive. They would struggle to put food in the fridge. So these repeal the property tax campaigns, they often avoid the reality of the replacement math.    Keith Weinhold  30:19   Now, some states have taken a swing at replacing property tax revenue, but few, if any, have succeeded. Now, Nebraska lawmakers, what they did is they floated higher cigarette taxes as a way to fund a goal of cutting their property taxes by 40% I mean, nice try. But according to an analysis by the Tax Foundation, that tax base was far too small. I mean to tell you more about what a terrible miss. This example is Nebraska cigarette taxes. They raised about $52 million in 2024 while property taxes raised $5.3 billion that is 100 times more, not even close, even if you could raise more money in the short run, excise revenues like this cigarette tax, they're pretty volatile, and they often shrink as the demand ebbs and flows. So it really makes them a poor backbone for expenses that grow over time, and they don't eliminate the cost so much as concentrated. So what they do is they sort of shift this broad civic obligation funding all this stuff, police, fire, school, from homeowners onto a much narrower group, in this case, people who smoke. That is not going to work for Nebraska, all right, well, what about a bigger deal, like replacing it with sales tax? Well, they run into a different problem. Local economies are not built the same. You might have a sales tax heavy tourist County, well, they can raise far more money than an agricultural county. And Florida is a clear illustration. They have lots of tourism and lots of agriculture replacing property taxes with sales tax. That would require eye popping sales tax rates too. According to the Tax Foundation Florida statewide, they would have to go from 7% to over 15% sales tax in Florida. But it gets even worse, because counties with a thin sales tax base would have to charge over 32% sales tax. My gosh, that is not going to work, all right. Well, how about another big one? Let's have income taxes replace property tax in a lot of states. I mean, the income tax that's large enough to raise pretty meaningful revenue. But the trade off is that income taxes come with their own sort of economic and political distortions, and once they're added, you know, they rarely stay confined to the tidy swap that voters were promised. I mean, look at New Jersey. They adopted an income tax in the 1970s to provide property tax relief, but over time, that swap proved hard to manage and hard to enforce, and now today, New Jersey has one of the highest effective property tax and state income tax rates combined in the nation. So the point is that all these property tax replacement tools are just inherently piecemeal. Each tax or fee has like this different payer base or some different vulnerability. I mean, if tourism dips, for example, revenues could drop really fast. And the same is true if a regulated industry contracts, or if consumption patterns shift. And you know that volatility, that's manageable for some narrow program, but that is dangerous as the foundation for essential services like public safety and street maintenance and police and schools and fire. Well, how about forgetting all that? Let's just have the government then totally get out of providing public safety and not have the government provide street maintenance and have the government get out of schools. I mean, we used to have more private companies provide you with some of those services. We didn't even have a federal income tax at all until 1913 other than a temporary one to fund the Civil War. But all of that is a bigger topic that we are not going to get into today. The point is, instead of asking the question, do you want to abolish property taxes? The better question is, which replacement are you choosing and who pays for it? Because local costs come on, they're just not likely to shrink anytime soon. After all, all of this schools, fire and police departments, public works, divisions, they're all subject to the same inflation and the same rising costs as the rest of the economy is so the property tax is unpopular. As it is, it does have one functional advantage. It is tied to this immovable base of properties. It's collected locally, and it's designed to fund on going services. That is not to say that some homeowners don't need relief. Some of them clearly do. But eliminating property taxes, that just does not eliminate the underlying cost of government. All it does is reallocate it, and that reallocation can get messy, that shifts a bigger burden onto a smaller share of taxpayers, whether it's smokers, like it was in Nebraska, or whether it's rural shoppers like the Florida sales tax example, or doubly on working homeowners, like it is in the New Jersey income tax example. I have studied this, and I have not seen novel approaches that really keep communities funded without creating some new distortion somewhere else. But unfortunately, one thing that I have seen is this repeal rhetoric, and it makes these political platitudes all that want to just conveniently skip the replacement plan, but it all sounds good and popular when someone stands up there and says that they want to eliminate property taxes. So really the honest question on a ballot. It's not, do you want to abolish property taxes? The honest question is, are you willing to pay higher sales taxes or higher income taxes or adopt one for the first time and accept the distortions that those choices to create to eliminate the property tax? I'm not going to get into the political side of all this, because that's not what we do here. The bottom line is, though, that you're probably going to hear more about the property tax going away. It is unlikely, of course, as income property investors here, property tax is largely built into the rent. It is passed along to your tenant, and a small reduction would help you out, probably not so much on your cash flow side, since most of these proposals are only for primary residences, but even a small property tax reduction on primary residences that would boost all property values, even rental property in the one to four unit space. But you shouldn't expect much here. If property taxes are eliminated, there is just no easy and viable replacement. That's your answer today, if you represent a company that serves real estate investors get rich. Education has over 3 million IAB certified downloads and 5.8 million total listener downloads. You can learn more about advertising on the show at getricheducation.com/ad, that's get rich education.com/ad   Speaker 2  37:51   for the production team here at GRE, that's our sound engineer, bedroom jampo, who has edited every single GRE podcast episode since 2014 QC and show notes Brenda Almendariz, video lead, Binaya Gyawali, strategy Tallah Mugal, video editor, Saroza KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, Don't Quit Your Daydream.   Speaker 3  38:17   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  38:45   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Oakland vs. Youngstown St NCAAB Betting Odds & Picks, 1/1/26 | Night Moves Show

Swimming pools across Ohio are in the depths of a lifeguard shortage. But the Northside Pool in Youngstown is well-staffed and helping its youth thrive, thanks to a local lifeguard academy there.

This week on The Songwriter Connection, we're thrilled to welcome the soulful and dynamic Leanne Binder! Hailing from Youngstown, Ohio, Leanne has carved her own unmistakable place in the blues world with a voice that smolders, a presence that commands the stage, and songs that come straight from the heart.With decades of touring, recording, and performing under her belt, Leanne shares stories from the road, talks about her creative journey, and dives into the emotional honesty that fuels her music. We'll explore her roots in the Northeast Ohio music scene, the inspirations behind her songwriting, and her mission to keep the blues alive and thriving for new generations of listeners.Tune in as Leanne treats us to songs filled with grit, soul, and truth — and reminds us why authentic artistry never goes out of style.Whether you're a blues fan, a songwriter chasing your voice, or someone who just loves great music, this is a conversation you won't want to miss.

A holiday episode built on memories and moments. Former team captain Andrew Strathmann joins the show to look back on life in the room, the pride of wearing the “C,” and the moments that still stick with him.Send us a textAsk A Question! Merch Store Official WebsiteFacebook This recording is the sole view of the members of the Dump & Chase Podcast. This is a non-commercial fan production. We are not affiliated with or compensated by the Youngstown Phantoms, the United States Hockey League, or any league, club, or team. © 2025 Dump & Chase Podcast. All Rights Reserved

Daily Mass Readings and reflection for 12/20/25 from Fr Jim Korda, host of Wineskins and retired priest from the Diocese of Youngstown, Ohio.  

Daily Mass Readings and reflection for 12/19/25 from Fr Jim Korda, host of Wineskins and retired priest from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 12/18/25 from Fr Jim Korda, host of Wineskins and retired priest from the Diocese of Youngstown, Ohio.

This is a brief recording in May 2022 of the music from Jane's Carousel in Brooklyn, NY. I was just looking up the history of the Merry-Go-Round, which was built in 1922 for the Idora Park amusement park in Youngstown, Ohio. So, by sheer coincidence this recording was made 100 years after the creation of the carousel. Recorded in Brooklyn, New York by Bill McKenna.

Daily Mass Readings and reflection for 12/17/25 from Fr Jim Korda, host of Wineskins and retired priest from the Diocese of Youngstown, Ohio.

Columbus-area city council member keeps his seat after allegations of sexual misconduct with minors; Youngstown's Ursuline High School asks for dismissal of a lawsuit; dog involved in an attack outside of a Toledo-area school has been euthanized; a new GOP candidate enters Ohio's gubernatorial race.

Daily Mass Readings and reflection for 12/16/25 from Fr Jim Korda, host of Wineskins and retired priest from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 12/15/25 from Fr Jim Korda, host of Wineskins and retired priest from the Diocese of Youngstown, Ohio.

Since 2014, Anthony LaMarca has served as the multi-instrumentalist in The War On Drugs. He has also released five albums as The Building. He also engineers and produces albums for other artists at his Youngstown, Ohio studio, Peppermint Productions. Along with his partners Dean Anshutz and Peppermint founder Gary Rhamy, they also archive and reissue recordings from the studio's more than fifty year history.We talked about his love of polka music and why Youngstown, Ohio is special. Don't miss this one!This episode, like all episodes of If This Is True, brings forth what drives creatives to do what they do. For more of this content and interaction, you can also go to my substack, coolmite25.substack.com. Hosted on Acast. See acast.com/privacy for more information.

Daily Mass Readings and reflection for 12/14/25 from Fr Jim Korda, host of Wineskins and retired priest from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 12/13/25 from Msgr Lewis Gaetano, a retired priest from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 12/12/25 from Msgr Lewis Gaetano, a retired priest from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 12/11/25 from Msgr Lewis Gaetano, a retired priest from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 12/10/25 from Msgr Lewis Gaetano, a retired priest from the Diocese of Youngstown, Ohio.

The Phantoms keep rolling with a seven-game win streak, and we're breaking down how they've pulled it off. Plus, we dive into a fresh round of Phan Q&A and sit down with special guest Malachi McKinnon to talk development, locker-room vibes, and what's next. Tune in! Send us a textAsk A Question! Merch Store Official WebsiteFacebook This recording is the sole view of the members of the Dump & Chase Podcast. This is a non-commercial fan production. We are not affiliated with or compensated by the Youngstown Phantoms, the United States Hockey League, or any league, club, or team. © 2025 Dump & Chase Podcast. All Rights Reserved

Daily Mass Readings and reflection for 12/09/25 from Msgr Lewis Gaetano, a retired priest from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 12/08/25 from Msgr Lewis Gaetano, a retired priest from the Diocese of Youngstown, Ohio.

Law of The Land: Hazing allegations at Ursuline High School High school sports can be an incredibly formative time for students—building teamwork, bonding and leadership skills. But what happens when camaraderie turns into hazing? Hazing is when someone is expected or forced to do something that hurts or humiliates them, in exchange for acceptance into a group. Monday on the "Sound of Ideas," we're looking at the legal aspects of this issue, including who is responsible when hazing happens, and when is a school required to step in. This installment of our "Law of the Land" series is in light of four separate lawsuits that were recently filed against Ursuline High School, a Catholic school in Youngstown, all of which accuse the school of looking the other way, in three instances when members of its football program allegedly assaulted and harassed each other, and other students, and in one instance involving an alleged pre-planned attack on a student on school grounds. After the lawsuits came out, Ursuline High School made staff and oversight changes, which we'll discuss, and also suspended the football season for most of this year, acknowledging that students violated their code of conduct and did things that they called morally wrong. We'll also talk about how hazing culture occurs, how to respond when accusations are made and how to keep students safe from attacks in the first place. We invited leaders at Ursuline High School to join us, but they declined and instead shared a statement made jointly with the Catholic Diocese of Youngstown. Guests:- Subodh Chandra, Attorney, Chandra Law- Jeffrey Herman, Attorney and Victim's Advocate, Herman Law- Zach Slates, Head football coach, Minerva High School- Doug Ute, Executive Director, Ohio High School Athletic Association Meet Cleveland City Councilmember-elect Tanmay Shah Later in the hour, it's a new installment of our series "Get to NEO a Leader," where we talk to officials from across the 22 counties in the listening area that we cover. We'll meet Tanmay Shah, who was just elected as the Cleveland city councilmember for Ward 12. At 29, he's set to become the youngest member of council—and the only newcomer this fall to unseat an incumbent. Shah defeated Councilman Danny Kelly by a razor-thin margin, just nine votes, and ran as a democratic socialist. We'll talk with the councilmember-elect about his win and what he hopes to bring to City Hall. Guest:- Tanmay Shah, Cleveland City Council, Ward 12

Daily Mass Readings and reflection for 12/07/25 from Msgr Lewis Gaetano, a retired priest from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 12/06/25 from Deacon Sylvester Frazzini, from St Columba Parish in Youngstown, Ohio.

Daily Mass Readings and reflection for 12/05/25 from Deacon Sylvester Frazzini, from St Columba Parish in Youngstown, Ohio.

Daily Mass Readings and reflection for 12/04/25 from Deacon Sylvester Frazzini, from St Columba Parish in Youngstown, Ohio.

Daily Mass Readings and reflection for 12/03/25 from Deacon Sylvester Frazzini, from St Columba Parish in Youngstown, Ohio.

It's a week to celebrate! From the Phantoms 4 game win streak to Lynn Seekford's 500th USHL game as an off-ice official, to us finally getting to sit down for an interview with Phantoms goaltender Owen Lepak! Break out the confetti!Send us a textAsk A Question! Merch Store Official WebsiteFacebook This recording is the sole view of the members of the Dump & Chase Podcast. This is a non-commercial fan production. We are not affiliated with or compensated by the Youngstown Phantoms, the United States Hockey League, or any league, club, or team. © 2025 Dump & Chase Podcast. All Rights Reserved

Notes: Constitution Law 2025 – Full Outline Understanding Executive Power: A Deep Dive into Constitutional LawThis conversation delves into the complexities of Article II of the U.S. Constitution, focusing on the separation of powers between the executive and legislative branches. It explores the historical and judicial interpretations of presidential power, the role of the Supreme Court in checking executive overreach, and the implications of recent doctrines like the Major Questions Doctrine. The discussion emphasizes the ongoing struggle for power and the evolving nature of constitutional law in the context of American governance.In the realm of constitutional law, the separation of powers is a cornerstone principle that defines the boundaries and interactions between the branches of government. This blog post delves into the complexities of executive power, particularly focusing on Article II and the ongoing tension between presidential authority and congressional checks.The Maximalist vs. Narrow ViewAt the heart of the debate is the interpretation of the vesting clause in Article II, which grants executive power to the President. The maximalist view, rooted in the unitary executive theory, suggests a broad, inherent authority for the President, especially in foreign affairs. In contrast, the narrow view, inspired by James Madison, limits presidential power to explicitly enumerated duties, emphasizing the President's role as an enforcer of laws.Key Judicial InterpretationsThe Supreme Court has played a pivotal role in shaping the understanding of executive power. Landmark cases like United States v. Curtis Wright and Youngstown Sheet & Tube Co. v. Sawyer highlight the evolving judicial stance on presidential authority. Justice Jackson's tripartite framework from Youngstown remains a critical tool for analyzing executive power, categorizing presidential actions based on congressional support or opposition.Modern Challenges and DoctrinesIn recent years, the major questions doctrine (MQD) has emerged as a significant check on executive overreach. This doctrine demands clear congressional authorization for executive actions of vast economic and political significance, reinforcing the separation of powers. The MQD, alongside the non-delegation doctrine, underscores the judiciary's role in ensuring that executive actions align with legislative intent.The ongoing debate over executive power is not just a theoretical exercise but a living, evolving conflict that shapes American governance. As future constitutional lawyers, understanding these dynamics is crucial for navigating the legal landscape and ensuring the balance of power remains intact.Subscribe now to stay updated on the latest insights in constitutional law and governance.TakeawaysThe separation of powers is a living, evolving conflict.The maximalist view of presidential power suggests inherent authority.Youngstown's framework is essential for analyzing executive power disputes.The president's control over the bureaucracy is a contentious issue.The Appointments Clause distinguishes between principal and inferior officers.Foreign trade agreements often blur the lines of congressional and presidential powers.The Major Questions Doctrine serves as a check on executive overreach.Judicial tools are crucial for maintaining the balance of power.Article II, separation of powers, presidential power, constitutional law, executive orders, Supreme Court, Youngstown, Curtis Wright, major questions doctrine, federal bureaucracy

Daily Mass Readings and reflection for 12/02/25 from Deacon Sylvester Frazzini, from St Columba Parish in Youngstown, Ohio.

Daily Mass Readings and reflection for 12/01/25 from Deacon Sylvester Frazzini, from St Columba Parish in Youngstown, Ohio.

Daily Mass Readings and reflection for 11/30/25 from Deacon Sylvester Frazzini, from St Columba Parish in Youngstown, Ohio.

We're back for another week, with a big format change to boot! The Phantoms ended their long road trip with two wins against Dubuque, and we've got defenseman Jack Hamilton to help us break it all down!Send us a textAsk A Question! Merch Store Official WebsiteFacebook This recording is the sole view of the members of the Dump & Chase Podcast. This is a non-commercial fan production. We are not affiliated with or compensated by the Youngstown Phantoms, the United States Hockey League, or any league, club, or team. © 2025 Dump & Chase Podcast. All Rights Reserved

Know what you call a group of Panthers? A claw.Know what we call our group of calls of the game for Panther football? Claw Calls of course.Hear game highlights and postgame thoughts from QB Jaxon Dailey, DT Jack Kriebs and HC Todd StepsisThe UNI Panther Football team rallied in the second half of their season finale but fell short 35-32 against Youngstown State in the Dome Saturday. The Panthers outscored Youngstown 29-7 in the second half after trailing 28-3 at halftime. The Panthers finish the year at 3-9 in the first season under head coach Todd Stepsis.This is the Panther Point of View, your source for all things Panthers. Listen on:Apple PodcastsSpotifyAnd MORE! Follow UNI Athletics onXFacebookInstagramYouTube Follow the Voice of the Panthers JW Cox on:XInstagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ken Carman and Anthony Lima talk about an issue with Youngstown, Ohio-area televisions for the Cleveland Browns' game broadcast on Sunday, as well as Kevin Stefanski's attempts to get Shedeur Sanders ready for Sunday's game in Las Vegas.

Fast Freddie is back talking about the controversies of tribute bands and legacy acts with no original members. He also rips the Rock & Roll Hall of Fame, talks stupid criminals, Bernie Kosar and much more! Watch this episode on YouTube: https://youtube.com/live/U6k3Hzy4scQ?feature=share

Daily Mass Readings and reflection for 11/15/25 from Deacon Phil Tischler, from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 11/14/25 from Deacon Phil Tischler, from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 11/13/25 from Deacon Phil Tischler, from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 11/12/25 from Deacon Phil Tischler, from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 11/11/25 from Deacon Phil Tischler, from the Diocese of Youngstown, Ohio.

Daily Mass Readings and reflection for 11/10/25 from Deacon Phil Tischler, from the Diocese of Youngstown, Ohio.

First time flying. How Jeffrey got onto the Gordon Elliot show. A lithium battery bursts into flames in an overhead bin on an Air China flight. A plane windshield struck with such force it injured the pilot. Rover has to have his windshield replaced. Hitting a deer. The ball juggler. Long time runner in Miami, Raven, has a street named after him. JLR was seen at a car show near Youngstown. Commenting on a post from 2 years ago, Tomas made a TikTok video, and JLR was keeping his birthday a secret. Trump's response to the "No Kings" protest. DraftKings leaderboard. A woman in Florida is in trouble for using AI to claim she was sexually assaulted by a man. A man has collected over 185k images of pornography. A woman was arrested after her husband called the cops over her AI homeless man prank. A 76-woman doesn't like that her neighbor smokes weed in his own home. Charlie took the RV tailgating and panicked after he had an edible.

First time flying. How Jeffrey got onto the Gordon Elliot show. A lithium battery bursts into flames in an overhead bin on an Air China flight. A plane windshield struck with such force it injured the pilot. Rover has to have his windshield replaced. Hitting a deer. The ball juggler. Long time runner in Miami, Raven, has a street named after him. JLR was seen at a car show near Youngstown. Commenting on a post from 2 years ago, Tomas made a TikTok video, and JLR was keeping his birthday a secret. Trump's response to the "No Kings" protest. DraftKings leaderboard. A woman in Florida is in trouble for using AI to claim she was sexually assaulted by a man. A man has collected over 185k images of pornography. A woman was arrested after her husband called the cops over her AI homeless man prank. A 76-woman doesn't like that her neighbor smokes weed in his own home. Charlie took the RV tailgating and panicked after he had an edible. See omnystudio.com/listener for privacy information.

Hitting a deer. The ball juggler. Long time runner in Miami, Raven, has a street named after him. JLR was seen at a car show near Youngstown. Commenting on a post from 2 years ago, Tomas made a TikTok video, and JLR was keeping his birthday a secret.

Hitting a deer. The ball juggler. Long time runner in Miami, Raven, has a street named after him. JLR was seen at a car show near Youngstown. Commenting on a post from 2 years ago, Tomas made a TikTok video, and JLR was keeping his birthday a secret.See omnystudio.com/listener for privacy information.