Understanding the difference between cyclical and secular trends in the market can help investors make wiser long-term decisions with their portfolios. Mark Biller explains how these trends impact the bond market and why it's essential to diversify beyond a simple stock-bond portfolio. He discusses how to build a resilient portfolio that can withstand both short-term and long-term market cycles, and how to navigate the challenges of a potential secular bear market in bonds. [... more]

President Trump's nationwide tour aims to bring back the American dream by addressing affordability issues, particularly in homeownership. The administration is considering portability of mortgages and increasing the amount that can be taken out of 401k plans to help young adults buy homes. Meanwhile, the border crisis continues to impact the economy, with a shortage of houses for sale and rising prices. The president's team is working to address these issues and improve the economy, but critics argue that their efforts are not enough. [... more]

The government shutdown has ended, but its impact on healthcare and the economy remains a pressing issue. With the pandemic subsidies expiring, millions of Americans face rising healthcare costs, and the government is struggling to find a solution. Meanwhile, the economy is showing signs of improvement, with inflation rates decreasing and consumer spending increasing. The president is working to address these issues, but the Democrats are pushing for a different approach, and the future of healthcare and the economy hangs in the balance. [... more]

The Todd Sterns Radio Show honors veterans on Veterans Day, discussing President Trump's support for the military and his efforts to save the Veterans Day Parade in 1995. The show also touches on Marjorie Taylor Greene's comments about inflation and the economy, Nikki Haley's son's conservative views, and the controversy surrounding H-1B visas. Additionally, the show covers the Turning Point USA event at UC Berkeley, the lack of security, and the importance of conservative values on campus. The hosts also discuss the economy, inflation, and the concerns of Gen Z voters, as well as the importance of business leaders in government. [... more]

Investors are piling into gold and silver as concerns about currency debasement and inflation grow. Central banks have been buying gold aggressively, and individual investors are now joining the trade. Gold has set new all-time highs in both dollar terms and inflation-adjusted terms, while silver is knocking on the door of its 1980 peak. Experts recommend a core position in physical metals, supplemented by ETFs, and caution against over-investing in mining stocks. [... more]

Covetousness is a disordered desire that can poison our joy and drive us into unwise financial decisions. It's idolatry that dethrones God and puts possessions on the throne. The opposite of covetousness isn't deprivation, but contentment in Christ, which can be learned by trusting in God's abundance and practicing gratitude and generosity. [... more]

Israel has emerged as a global innovation hub and a rising player in international markets, offering a strategic opportunity for investors. The country's economy is strong, with a developed economy and a growing tech sector, driven by companies like Wiz and CyberArc. Investing in Israel can provide access to foreign markets and diversification, while also aligning with faith-based values and screens. [... more]

Understanding your personal cost of living is crucial for making informed financial decisions. It's not just about rent and groceries, but also includes less frequent expenses like insurance premiums and car repairs. Tracking your cost of living can give you clarity and help you live intentionally with a heart that seeks to honor God with every dollar. [... more]

The over-diagnosis of medical conditions, particularly autism, has led to a phenomenon known as diagnostic inflation, where mild symptoms are being labeled as serious disorders. This can have a negative impact on individuals, causing them to become disabled through the labeling effect. The healthcare system is also being criticized for over-testing and medicating patients, with some experts arguing that this is driven by a desire to avoid lawsuits and a lack of understanding about the long-term effects of certain treatments. [... more]

The discussion revolves around the Supreme Court's recent decisions, particularly Ketanji Jackson's dissenting opinions, and the impact of the Trump administration's policies. The conversation also touches on the state of college education, the effects of inflation, and the national debt. Additionally, the topic of Christianity and its role in American society is explored, as well as the potential for martial law and the Federal Reserve's influence on interest rates. [... more]

Joseph's story in the Bible serves as a powerful example of godly wisdom in uncertain times. His preparation during years of abundance helped an entire nation weather a famine, and his legacy teaches us about planning ahead. Mark Biller joins the discussion to explore what Joseph's story teaches us about financial preparedness and spiritual opportunity. [... more]

US inflation slowed slightly in July, with the Consumer Price Index rising by 0.2% on a seasonally adjusted basis. The report indicates that core inflation, which excludes volatile food and energy prices, rose 0.3% in July, remaining within a manageable range for policymakers and consumers. Meanwhile, energy prices made a significant downward move, with gasoline prices dropping 2.2 percent in July, nearly 10 percent lower than they were last year. Wage growth also continued to paint a positive picture for American workers, with real wages increasing by 1.3% compared to last year. [... more]

Living on less than you earn is the bedrock of financial wisdom, and it starts with a plan, a budget that tells your money where to go instead of wondering where it went. Budgeting helps you live within your means, allowing you to have a margin, but investing enables you to take that margin and grow what God has entrusted to you. God honors steady and wise investing, and financial freedom doesn't mean independence from God, but rather living as a wise and faithful steward, seeing God as your ultimate treasure and money as a tool to accomplish God's purposes. [... more]

A TikTok micro-influencer gets a top San Francisco chef fired after demanding free food, sparking a debate about the role of social media and the impact of economic policies on food prices. Meanwhile, the Democrats' social media team is accused of posting a misleading graph about inflation, and the White House responds to a South Park episode that mocks them. [... more]

A Democrat lawmaker in Minnesota resigns after being convicted of burglary, sparking a discussion on the importance of understanding the Constitution and the principles of tactical civics. The conversation also touches on the cyber threat posed by Iran, the impact of inflation on property taxes, and the role of artificial intelligence in shaping our world. [... more]

The US economy is experiencing a significant boost due to a major trade deal with Japan, which is expected to create hundreds of thousands of jobs and increase investment in the US. The deal also includes Japan's commitment to open its market to US goods, including cars and trucks, rice, and other agricultural products. Meanwhile, the US is experiencing an AI boom, driven by deregulation and tax policies that are encouraging businesses to invest in new technologies. This is leading to a CapEx comeback, with business equipment production jumping 11% in the second quarter. As a result, blue-collar wages are rising, and inflation is expected to decline. [... more]

President Trump signs the largest trade deal in history with Japan, creating hundreds of thousands of jobs and boosting the US economy. He also plans to harness the power of artificial intelligence to make the US a leader in innovation and technology. Meanwhile, Democrats are trying to shift the focus to the Epstein case, but Trump's economic policies are gaining momentum and Republicans are outraising Democrats in the midterms. [... more]

The NFL's salary cap has increased exponentially, with players like J.J. Watt and Aaron Rodgers receiving massive contracts. However, experts argue that the owners are colluding to keep player compensation low, and that the salary cap is an artificial mechanism to control player earnings. Meanwhile, teams like the Washington Commanders are pushing the limits with high-profile signings, while others like the Detroit Lions are taking a more measured approach. [... more]

Warren Buffett's remarkable investing career is a testament to the power of patience, discipline, and biblical wisdom. His approach to investing, which emphasizes staying disciplined when others panic, has led to incredible success. Buffett's timeless lessons, such as the importance of diversifying holdings and keeping emotions in check, are valuable for investors of all levels. By applying these principles, individuals can build wealth and achieve financial peace of mind. [... more]

The latest developments in the Jeffrey Epstein case have sparked controversy, with the Trump administration's handling of the Epstein files being questioned by Republicans and Democrats alike. Meanwhile, the Federal Reserve's Jerome Powell is facing scrutiny over his leadership, and the TSA is considering easing liquid restrictions on flights. Additionally, the 2028 Summer Olympics in Los Angeles are raising concerns about safety and security, particularly given the timing of the event during a presidential election year. [... more]

The ACLJ discusses the controversy surrounding President Trump's statement on the Jeffrey Epstein case, the implications of the Druze community's request for Israel's support, and the abortion ban in West Virginia, while also addressing the mayoral candidate Zoran Mandami's stance on globalizing the intifada and the importance of supporting Israel. [... more]

The discussion revolves around the economic policies of Donald Trump, including trade deals and tariffs, and their impact on the economy and inflation. The conversation also touches on the mayoral race in New York City, with a focus on the socialist candidate Mondani and his views on capitalism and immigration. The hosts express their opinions on the potential consequences of Mondani's policies and the impact on the city's economy and residents. [... more]

A Florida man was arrested for drug trafficking in a bizarre incident, while another Florida woman survived 12 hours in the water after falling out of a canoe. The Supreme Court's landmark case has significant ramifications for American jurisprudence and the Trump administration. Meanwhile, a discussion on the deportation machine and job automation highlights the complexities of immigration and economic policy. The media is also under scrutiny for its handling of the 2024 presidential election, with some outlets settling with President Trump over alleged editing practices. [... more]

The discussion revolves around the latest landmark case out of the Supreme Court and its implications on American jurisprudence and the Trump administration. The conversation also touches on welfare reform, work requirements, and the Medicaid and Medicare systems. Additionally, the topic of tariffs and trade deals, including the recent agreement with Vietnam, is explored. The discussion also delves into the economy, job market, and inflation, as well as the presidential election and the Democratic playbook. The conversation also includes various personal anecdotes and stories, including a Florida man and woman, President Biden's speaking engagements, and Michelle Obama's podcasting endeavors. The discussion also touches on universal healthcare, Republican positions, and conservative ideals. A World War II veteran shares his secret to a long life, and the Waffle House announces that egg prices are back down. The conversation also includes a discussion on the 4th of July, fireworks, and patriotism, as well as a look back at Johnny Carson's late-night comedy and the mustache's potential comeback. [... more]

Bitcoin's acceptance by a growing proportion of global investors as digital gold is on the rise, driven by a shift in the regulatory environment and institutional adoption. This trend has significant implications for investors, particularly those with a high risk tolerance, who may consider diversifying a small portion of their portfolio into Bitcoin. However, it's essential to understand the distinction between Bitcoin and other cryptocurrencies, which still carry significant risks. [... more]

The president's immigration policy is taking a toll on farmers and businesses, while trade deals with China remain a point of contention. Meanwhile, the economy is showing signs of improvement, with low inflation and job growth. However, Democratic governors are facing backlash for their sanctuary state policies, and the party's progressive left wing is struggling to connect with voters on issues like identity politics and violent protests. [... more]

California's Governor Gavin Newsom is facing criticism for his handling of the riots in Los Angeles, where protesters have been burning cars and assaulting people. Meanwhile, a Florida man was arrested for running a dog fighting operation and had a nine-foot alligator on his property. The debate over medical freedom continues, with some advocating for the right to choose their own healthcare. In other news, a judge has dismissed a defamation suit against Blake Lively, and a new proposal is being considered to raise the federal minimum wage. Additionally, a $1,000 contribution is being proposed for every U.S. citizen born between 2024 and 2029. Greta Thunberg has spoken out about the humanitarian crisis in Gaza, but some have questioned her motives and the actions of Hamas. [... more]

The Freemans discuss the importance of gold and sound money in the face of inflation and central bank digital currencies. They advocate for a return to the gold standard and propose legislation to make gold and silver legal tender, allowing people to use debit cards to spend their gold and silver. They also discuss biblical stewardship and the impact of their ministry on souls for Christ. [... more]

God's kindness leads us to repentance, and our financial lives are no exception. We must bring our financial sins before the Lord in repentance, and he is faithful to forgive and ready to refresh our hearts with his grace. As stewards of God's resources, we must remember that everything belongs to God, and we are not owners but stewards of what he has entrusted to us. [... more]

For those nearing retirement, working longer can have a significant impact on their financial security, with studies showing that delaying retirement by just a few months can have the same benefit as saving a higher percentage of income over three decades. This can be especially beneficial for those who plan to claim Social Security benefits before age 70, as waiting beyond full retirement age can increase monthly benefits by two-thirds of one percent or eight percent per year. However, this decision also involves considering emotional and relational factors, such as the potential impact on relationships and lifestyle, and requires open and honest communication as a couple. [... more]

Discovering the treasure of Christ's kingdom and how it reorders our financial priorities, leading to peace, contentment, and joy, even in uncertain times. [... more]

Dale Vermillion shares insights on the current real estate market, including peak seasons for buying and selling homes, and how to navigate the mortgage process. He also discusses the importance of being budget-minded and prayerful when making financial decisions. Meanwhile, the hosts address questions from listeners, including one who is considering retirement and another who is wondering about the impact of the federal government's shift to electronic payments on check usage. [... more]

The global economy is facing significant challenges, including trade deals, economic uncertainty, and a debt crisis. Experts are warning of the dangers of inflation and the impact of tariffs on global trade. As the world grapples with these issues, economists are calling for a more stable and predictable economic environment. [... more]

A discussion on the financial future of America, the connection between Social Security and abortion, and the importance of planning and stewardship in light of the national debt and inflation. A Christian perspective on financial planning and generosity is also explored. [... more]

Long-term care insurance with inflation-cost is a critical part of your financial plan, especially when it comes to protecting your family. Without a plan, you may end up with a bag of holes, leaving your family to figure out how to handle the consequences of a long-term care event. [... more]

Pastor Ernie Sanders and his guests discuss the importance of prayer and support for their ministry during Pledge Week, while also addressing various topics such as the dangers of COVID shots, the impact of vaccination on mental health, the current state of inflation, and the potential for martial law under Donald Trump's leadership. They also explore the benefits of herbal plants, specifically willow bark, as a natural remedy for various ailments, and discuss the signs of the end times as described in the Bible. [... more]

Foreign stocks may be poised for a comeback as the US stock market has become richly valued and foreign stocks look relatively cheap. Factors such as government spending trends, inflation, and interest rates are shifting in favor of foreign markets, making them an attractive option for investors looking to diversify their portfolios. [... more]

Investing in Israel offers a unique opportunity for those looking to diversify their portfolios. With a strong tech sector and a growing economy, Israel is an attractive destination for investors. The country's entrepreneurial spirit and low view of debt make it an attractive place to invest. Faith-based investors can also find opportunities in Israel through mutual funds that align with their values. [... more]

President Trump's tariffs and trade war with China have led to a rebound in the stock market and a decrease in inflation, with some experts predicting a recession is less likely. Meanwhile, the White House is promoting its efforts to reduce waste and fraud in the unemployment benefits system, and the U.S. Justice Department is taking action against the American Bar Association for its activism. Additionally, there are stories about a tourist who went to jail for wandering too close to Yellowstone's geysers, a Brazilian model who got frostbite during a photo shoot, and a recall of Tostitos potato chips that could cause death. [... more]

President Trump's efforts to bring manufacturing back to America and rebalance trade are causing stocks to rock, with the market down 300 points at this hour. The President's job approval is at 50%, but his approval on immigration is at 58%. The economy is a major concern, with 48% approval and 44% disapproval on inflation. Tariffs will be announced Wednesday, potentially bringing in $6 trillion in 10 years, and the President is prepared to slap sanctions on Russia if Putin doesn't negotiate. Meanwhile, the President's efforts to reform the government and reduce waste are underway, with the Doge team working to save $3 billion a day and $4 billion a day to get down a trillion dollars. [... more]