Podcasts about assumptions

This week on Headline Highlights: The Siders case takes a darker turn as Gary Jr. and Elizabeth face new felony charges tied to an alleged conduct involving a minor. Laken Snelling has pleaded guilty to all charges and admitted in court that she intentionally deprived her newborn baby of oxygen. A woman's death initially reported as self-inflicted is now being investigated as a staged homicide, with her husband charged with murder and investigators uncovering a shocking affair. A college freshman's murder takes a disturbing turn as her boyfriend claims “demons” told him to kill her, while his mother faces charges for allegedly helping cover it up..If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

Was It a Murder? The Trial That Flipped Everything. A reclusive television repairman. A wife no one knew existed. A mysterious death inside a cluttered Georgia home. And a murder trial that would change two families, and one attorney's life, forever. The Podcast is available for free on the Law Enforcement Talk Radio Show and Podcast website, also on Apple Podcasts, Spotify, YouTube, iHeartradio and most major podcast platforms. #LawEnforcementTalk #Free #Podcast #Radio When attorney McCracken King Poston Jr. agreed to defend Alvin Ridley, many people in Ringgold, Georgia, had already reached their verdict. Supporting articles about this and much more from Law Enforcement Talk Radio Show and Podcast in platforms like Medium , Blogspot and Linkedin. Ridley was strange. He was isolated. He lived behind closed doors in a junk-filled house. Most shocking of all, a woman had been found dead inside, and she was reportedly his wife, although many people in town never knew he was married. The Law Enforcement Talk Radio Show and Podcast social media like their Facebook , Instagram , LinkedIn , Medium and other social media platforms. To the public, the case appeared almost impossible to explain. But was it a murder? That question is at the heart of a gripping episode of the nationally syndicated Law Enforcement Talk Radio Show and Podcast. Poston shares the extraordinary courtroom battle, the evidence investigators reportedly overlooked, and the unlikely friendship that emerged from one of Georgia's most unusual criminal cases. Was It a Murder? The Trial That Flipped Everything. It is also the remarkable story behind his Book, Zenith Man: Death, Love, and Redemption in a Georgia Courtroom. A Death That Shocked a Small Georgia Town In October 1997, the northwest Georgia town of Ringgold was rocked by reports of a suspicious death. Virginia Ridley had been found dead inside the home she shared with Alvin Ridley, a former television repairman known locally as the “Zenith Man.” The nickname came from his years selling and servicing Zenith televisions. Alvin had always been considered a local character. He was reclusive, socially awkward, and frequently misunderstood. His home was cluttered, his mannerisms were unusual, and his relationships with other people were often difficult. He shares the full story as a guest on the Law Enforcement Talk Radio Show and Podcast, available on Apple, Spotify, YouTube, and other major podcast platforms. The interview is also featured across Facebook and Instagram. Then the community learned that he had a wife. Virginia had reportedly lived with Alvin for decades, yet many people in town did not know she existed. Rumors quickly spread that he had kept her captive inside the home for approximately 30 years before killing her. The story sounded like something created for a true-crime television series. The accusation was horrifying, and the circumstances surrounding Virginia's life and death made Alvin an easy person to suspect. But unusual behavior is not proof of murder. That distinction would become the foundation of Poston's defense. “The case was never simply about whether Alvin Ridley was different. It was about whether the evidence proved that he was guilty.” The Attorney Who Took the Case McCracken Poston was no stranger to public pressure. Born and raised in Catoosa County, Georgia, he had strong personal ties to the community where the case unfolded. He graduated from the University of Tennessee at Chattanooga and later earned his Juris Doctor from the University of Georgia School of Law, where he served as president of his graduating class. Was It a Murder? The Trial That Flipped Everything. The episode is available across major platforms including their website, Apple Podcasts, Spotify, YouTube, with highlights shared across their Facebook, Instagram, and LinkedIn profiles. Before entering private practice, he worked as an assistant district attorney for the Lookout Mountain Judicial Circuit. Poston also served four terms in the Georgia House of Representatives from 1989 through 1997. After losing a campaign for the United States Congress, he returned to practicing law. That career transition placed him in the path of Alvin Ridley. Poston knew Alvin as the eccentric “Zenith Man” who once sold and repaired televisions. Although Alvin could be difficult, combative, and intensely private, Poston did not believe that his odd personality automatically made him capable of murder. He agreed to defend him. What followed was one of the most difficult and personally transformative periods of Poston's life. A Client Who Would Not Help His Own Defense Preparing for a murder trial is challenging under any circumstances. Defending a client who refuses to reveal essential facts makes the task even more difficult. Alvin was not an easy client. He was reluctant to communicate and often unwilling to provide Poston with information that could help explain his marriage, Virginia's secluded life, and what happened inside the house. Every unanswered question created another obstacle. Why had Virginia remained hidden from public view? Had she been prevented from leaving the house? Why did so few people know the couple was married? What caused her death? And why did Alvin behave in ways that made him appear suspicious, even when he might have been trying to tell the truth? Poston had to look beyond Alvin's personality and search for facts. “A defense attorney cannot rely on appearances, rumors, or community opinion. The obligation is to examine the evidence, even when the client makes that work extraordinarily difficult.” Piece by piece, Poston began reconstructing the story of Alvin and Virginia Ridley. The answers were buried inside medical records, witness testimony, expert analysis, and the enormous amount of material found inside Alvin's cluttered home. Was It a Murder? The Trial That Flipped Everything. The Podcast is available for free on the Law Enforcement Talk Radio Show and Podcast website, also on Apple Podcasts, Spotify, YouTube, iHeartradio and most major podcast platforms. The Evidence That Changed the Case The prosecution's theory portrayed Alvin as a controlling husband who had kept Virginia captive before causing her death. Poston's investigation pointed toward another possibility. With assistance from medical experts, he focused on Virginia's health and the true cause of her death. His defense challenged assumptions that had shaped the case and raised serious questions about evidence that he believed law enforcement had overlooked. The home that initially appeared to reinforce the image of a disturbed killer began producing evidence that supported the defense. Poston also made the risky decision to call Alvin to testify. For a defendant in a murder case, taking the witness stand can be dangerous. Prosecutors gain the opportunity to question the accused directly, and a single poorly worded answer can affect how jurors view the entire case. For Alvin, a man who struggled with communication and frequently appeared hostile or evasive, the risk was even greater. Yet his testimony gave jurors an opportunity to see the person behind the rumors. The trial became about more than his strange behavior. It became a search for the truth about Virginia's life, the couple's marriage, and her death. The defense argued that the medical evidence did not support the murder allegation. After hearing the testimony and examining the evidence, the jury acquitted Alvin Ridley of all charges in 1999. He walked out of court a Free man. A Later Diagnosis Flipped Everything Again The acquittal ended the criminal case, but it did not fully explain Alvin Ridley. That explanation would come years later. Alvin was eventually diagnosed with autism spectrum disorder. The diagnosis offered a new way to understand many of the traits that had made him appear suspicious, hostile, or impossible to reach. Was It a Murder? The Trial That Flipped Everything. The Law Enforcement Talk Radio Show and Podcast continues bringing listeners real conversations from the front lines of crime, policing, trauma, survival, and healing. His communication difficulties, rigid behavior, social isolation, and inability to respond in ways others expected were no longer merely signs of eccentricity. The revelation reframed the entire story. It also raised a disturbing question: How often are people treated as dangerous or dishonest simply because they communicate differently or fail to conform to society's expectations? Alvin had been judged long before a jury heard the evidence. His differences helped create a public image that fit the accusation, even if the medical facts did not. “When someone does not behave the way society expects, people can mistake difference for guilt.” The diagnosis does not erase every mystery surrounding Alvin and Virginia's unconventional marriage. It does, however, offer important context about a man who spent much of his life being misunderstood. The Murder Trial That Changed Poston's Life The case did more than save Alvin Ridley from a possible murder conviction. It changed McCracken Poston personally. By the time he took the case, Poston had already spent approximately 14 years building his legal and political career. Beneath his professional success, however, he carried emotional wounds connected to his childhood. Supporting articles about this and much more from Law Enforcement Talk Radio Show and Podcast in platforms like Medium , Blogspot and Linkedin. He had grown up with an alcoholic parent and struggled with low self-esteem and other personal issues. Alcohol would also become part of his own battle. Then his father appeared at Alvin's trial. That moment became part of a life-changing sequence for both men. Poston's father became sober afterward, and Poston eventually began his own recovery journey. Today, Poston has reportedly been sober for more than 20 years. The courtroom victory was important, but the case's impact reached far beyond a legal verdict. It transformed his relationships, challenged his understanding of himself, and helped place him on a path toward recovery. In an unexpected way, Alvin became more than a client. The two men formed an unlikely friendship, one that may have saved both of their lives. Zenith Man: More Than a True-Crime Book Decades after the trial, Poston returned to the case in his 2024 Book, Zenith Man: Death, Love, and Redemption in a Georgia Courtroom, published by Citadel Books/Kensington Publishing. The Book is part true crime, part courtroom drama, and part personal memoir. It examines the mystery surrounding Virginia Ridley's death, the challenges of representing Alvin, and the surprising evidence that changed the direction of the case. It also explores family, addiction, justice, community judgment, friendship, love, and redemption. At its center are two very different men. One was a former state legislator and experienced criminal defense attorney attempting to rebuild his career. The other was a reclusive television repairman accused of committing an almost unimaginable crime. Was It a Murder? The Trial That Flipped Everything. Their relationship began because of a murder charge. It endured because each man discovered something human in the other. “Sometimes the case that appears to be about saving a client becomes the case that saves the attorney, too.” A Career Filled With Nationally Recognized Cases Poston's legal work has extended far beyond the Ridley trial. As a Georgia and Tennessee criminal defense attorney, former prosecutor, and former state representative, he has handled numerous high-profile criminal cases. His work has received national News and television coverage, including features on CNN Presents, Dateline NBC, A&E's American Justice, Forensic Files, Extra, and NPR's Snap Judgment. The interview is available on Apple, Spotify, YouTube, and other major Podcast platforms. Additional articles, and episode information can be shared through Facebook, Instagram, and other Social Media channels. Yet the Alvin Ridley case remains the one most closely associated with his career. It combined a sensational accusation, a deeply unconventional marriage, overlooked medical evidence, community suspicion, and a defendant whose behavior was widely misunderstood. It also became a deeply personal story of sobriety and redemption. Lessons From the Trial Poston's experience offers several important lessons about the criminal justice system and the way the public consumes crime stories. First, appearances are not evidence. A person can be strange, unlikeable, evasive, or socially isolated without being guilty of a crime. Second, medical evidence matters. Assumptions about a death must be tested against forensic facts and qualified expert analysis. Third, defendants with autism or other communication differences may be particularly vulnerable. Behavior that appears cold, deceptive, or uncooperative may have an entirely different explanation. Finally, redemption can emerge from unexpected places. Poston entered the case as Alvin's attorney. He left it with a changed perspective on his career, his family, his struggles with alcohol, and the direction of his life. Hear the Full Story on the Free Podcast McCracken Poston tells the remarkable story behind the trial on the nationally syndicated Law Enforcement Talk Radio Show and Podcast. He discusses the difficulties of defending Alvin Ridley, the obstacles that threatened trial preparation, the overlooked evidence, and the courtroom decisions that helped secure an acquittal. Was It a Murder? The Trial That Flipped Everything. The show is distributed through Apple Podcasts, Spotify, YouTube, iHeartradio and other podcast platforms. Its interviews are also promoted across Facebook, Instagram, and other social media channels. He also talks about his father's unexpected appearance at the trial, his family's experience with alcoholism, and his own journey to more than 20 years of sobriety. The Free Podcast episode is available across major platforms, including Apple, Spotify, iHeartRadio, and YouTube. Updates and additional content from the Radio Show can also be found on Facebook and Instagram. For true-crime followers, the episode provides a rare look inside a defense attorney's preparation for an almost unbelievable murder trial. For listeners interested in recovery, family, autism awareness, and second chances, it offers something even more powerful. Was It a Murder? The people of Ringgold initially saw a dead woman, a secret marriage, and an eccentric husband living inside a cluttered house. They believed they knew what had happened. The evidence told another story. McCracken Poston's defense helped Alvin Ridley walk out of court a Free man. Years later, Alvin's autism diagnosis changed the way many people understood his behavior. The trial also became a turning point in Poston's relationship with his father and in his own journey toward sobriety. Zenith Man: Death, Love, and Redemption in a Georgia Courtroom is not merely the story of a sensational murder accusation. It is the story of what can happen when one attorney looks beyond appearances, questions the accepted narrative, and refuses to confuse being different with being guilty. Was it a murder? The trial flipped everything people thought they knew and the truth changed far more than the verdict. Find a wide variety of great podcasts online at The Podcast Zone Facebook Page , look for the one with the bright green logo. Be sure to check out our website . Be sure to follow us on X , Instagram , Facebook, Pinterest, Linkedin and other social media platforms for the latest episodes and news. Listeners can find the show across Apple, Spotify, YouTube, Facebook, Instagram, and other podcast and social media platforms. Learn and get access to money saving tips and how to increase your net worth at www.LetSavings.com For a community of like minded individuals from all over the planet that want to improve their lives, relationships and business. Learn what they need, and develop the life that they've always wanted. We host weekly rooms on the Clubhouse Drop In Social Audio App. The App and Your Confident Life rooms are free of charge. You can get more information about Clubhouse and Your Confident Life for free here. Download the Free Ebook about ways and tips to improve your health. You can get the ebook for free at www.LetHealthy.com Listen to the Law Enforcement Talk Radio Show and Podcast on their website, Facebook, Instagram, YouTube, Apple Podcasts, Spotify, iHeartRadio, and most major podcast platforms. Get the Free Clubhouse App, it is Drop In Social Audio. Think of it as your own talk radio show on your phone, and best of all it is free. Be sure to look for me and follow me, that's John J Wiley or @letradioshow you can do all that here. The Law Enforcement Talk Radio Show and Podcast social media like their Facebook , Instagram , LinkedIn , Medium and other social media platforms. You can contact John J. “Jay” Wiley by email at Jay@letradio.com , or learn more about him on their website . Was It a Murder? The Trial That Flipped Everything. Attributions Zenith Man Book Amazon Facebook Facebook Group Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

An entire Michigan family of eight was found dead inside their home after a devastating fire, but what happened in the hours before first responders arrived is raising serious questions. As investigators uncover disturbing details about the family and what may have been happening behind closed doors, the story of the Karolkiewicz family becomes more shocking with every new revelation..If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

Bands rarely fall apart because somebody missed a chord.They fall apart because expectations about money, gigs, rehearsals, song choices, musical standards, commitment, and leadership go unspoken until somebody finally blows up.This week, we brought in somebody who actually knows what he's talking about.Dr. Jesse Erdheim is an industrial-organizational psychologist and wellbeing coach with more than 20 years of experience working with motivation, conflict, burnout, leadership, and change. He also fronts a working classic-rock cover band—so he understands band dysfunction from both sides.We talk about:*Why bands are uniquely difficult organizations*How mismatched expectations turn into resentment*How to give musical criticism without destroying morale*What psychological safety actually looks like in a band*Why emotional regulation matters before a difficult conversation*What to do when your band culture has already become unhealthyOne of the biggest lessons: sometimes the explosion you think came out of nowhere actually started months earlier when everyone stopped checking whether they were still working toward the same goal. Jesse describes his own experience with a guitarist whose frustration over money and travel finally erupted at a show—and how that changed the way his band communicates with new members.If you're a band leader, working musician, or anyone currently sitting in a group text wondering “How the hell did we get here?”—this episode is for you.More from Dr. Jesse Erdheim:jesseerdheim.comUpcoming book: A Full Cup: Reflections on Living WellJesse also fronts The Backroads, a Durham-area cover band performing around Durham, Chapel Hill, and Hillsborough.https://www.facebook.com/thebackroadsdurham/https://www.instagram.com/the.back.roads__/#CoverBand #BandDrama #WorkingMusician #BandLeader #musicbusiness 00:00 Podcast kickoff00:55 Meet Dr Jesse01:53 From GNR to gigging03:48 Band leadership style05:37 Shared vision basics08:14 Why bands are hard10:21 Gig meltdown story12:44 Assumptions and alignment17:47 Common band problems23:20 Giving feedback safely27:16 Trust Bank Accounts27:44 Giving Notes With Care28:25 Adaptability Over Control30:02 Does The Audience Care31:03 Perfectionism And Perspective31:58 Are Musicians Different34:54 Win Win Band Leadership37:30 Pre Show Regulation Routine39:38 Time Confetti Planning42:09 Hard Conversations Toolkit45:30 Stop Rumination Loops49:59 Relationships And Wrap Up

This week on Headline Highlights: Lindsay Clancy's journals and searches shed new light on her mental state, while the defense challenged key evidence. A Michigan family of eight was found shot to death, with investigators uncovering multiple fires and missing smoke detectors. Newly unsealed records reveal Bryan Kohberger's autism, OCD, ADHD, and ARFID diagnoses, raising questions about his future appeals. A “Philly House of Horrors” investigation uncovered missing women, weapons, drugs, chemicals, and disturbing digital evidence. Chris Watts is reportedly set to marry a woman he met while behind bars, who moved closer to him and changed her name to “Lizzie Watts”..If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

How do we honor people well who aren't living our same reality? In this Summer Reset episode of the Jesus Over Everything podcast, Lisa Whittle takes on the assumptions, stereotypes, and casual phrases that quietly communicate to single people in the church that their life is somehow less complete, and to married people that everyone shares their experience. From the well-meaning Instagram post telling single friends to "get yourself a husband who..." to the thoughtless question asking parents if they're planning more children, Lisa makes the case that we are far more self-absorbed in our conversations than we realize, and that the church can and should do better. Rooted in Matthew 28:19 and a clear-eyed look at what our highest call actually is, this episode is for the single person who has felt unseen, the married person who didn't realize how they were landing, and anyone who wants to love the people around them with more intention. Listen in to learn more: What the Bible actually says about singleness, marriage, and our highest call as human beings Why Matthew 28:19 levels the playing field, and what that means for how we see each other The assumptions married people make without realizing it (and why they land the way they do) The assumptions single people carry too (and the stereotypes that go both directions) An example from Lisa's personal life and why presumptive conversations are more painful than we think A challenge to align our hearts with the mind of Christ Mentioned in the Episode: Episode — Maddie Pruitt on Dating and Marriage: https://www.lisawhittle.com/joeshow/joe-s10e15 Book — God Knows by Lisa Whittle: https://www.lisawhittle.com/godknows Invite Lisa to Speak: https://www.lisawhittle.com/speaking Connect with Lisa:Website: https://www.lisawhittle.comSubstack: https://letsbeclear.substack.comYouTube: https://www.youtube.com/@lisawhittleofficialInstagram: https://www.instagram.com/lisawhittleFacebook: https://www.facebook.com/lisawhittleofficial

The Pleasure Zone with Milica Jelenic - Diamond Host Discovering that your partner has been a cheater can be one of the most painful experiences in a relationship. Anger, grief, betrayal, confusion, and even hope can all exist at the same time when you find out your partner is a cheater. When someone has found out their partner is a cheater the questions often arise like "Why did they cheat? Can trust truly be rebuilt? And how do you know when it's time to repair the relationship, or when it's healthier to walk away? In this episode, we'll explore: *Why Do People Cheat? The Research May Surprise You *Do Men and Women Cheat for Different Reasons?. *Can a Relationship Recover After Infidelity? *When Do You Know It's Over? When someone cheats it doesn't have to define your future, but how you respond can shape how you move forward in your life and relationships. 5 Key Takeaways Assumptions turn missing information into stories. We often react as though those stories are facts, even when the original situation may be simple. The mind assumes because it wants certainty and safety. It fills gaps using past fears, old wounds, and expectations. Pause between the trigger and the story. Ask what you actually know, what you are guessing, and what else could be true. Assumptions can become self-fulfilling prophecies. A defensive reaction to an unverified belief can create the very conflict you feared. Separate facts from assumptions. You do not need to punish yourself with worst-case guesses or treat fear as fact. Join Milica Jelenic, Holistic Health Practitioner, Sex & Intimacy Coach on this episode of The Pleasure Zone where you will find out "What To Do With A Cheater.". Grab your Yes, No, Maybe list - all about Playful Tips for Pleasure here    The Pleasure Zone – A Guide For Curioius Pleasure Seekers Inspired Choices Network Hosts Author Milica Jelenic   Amazon.com – https://www.amazon.com/dp/1997615401 Amazon.ca – https://www.amazon.ca/dp/1997615401     ~ More About The Pleasure Zone ~ Milica Jelenic is a Sex & Intimacy Coach, Speaker, and Pleasure Advocate who empowers individuals and couples to cultivate deeper intimacy, authentic connection, and greater vitality. Through her intuitive, playful, and compassionate approach, she helps clients release judgment, embrace their bodies, and discover how pleasure can become a powerful catalyst for healing, confidence, and a more fulfilling life. Known for creating a safe, engaging, and transformative space, Milica combines insight, curiosity, and practical guidance to inspire meaningful change. She invites people to explore new possibilities, reconnect with themselves, and experience the joy, ease, and aliveness that come from living with greater pleasure, presence, and self-acceptance.    MilicaJelenic.com   www.milicajelenic.com/    Email   milica.jelenic.mj@gmail.com    YouTube   www.youtube.com/@thepleasurezone    LinkedIn   www.linkedin.com/pub/milica-jelenic/37/349/772    Instagram   www.instagram.com/thepleasurezoneradio/    Facebook   www.facebook.com/MilicaPZ       TikTok   www.tiktok.com/@milicajelenic1 The Pleasure Zone with Milica Jelenic: https://www.inspiredchoicesnetwork.com/podcast/the-pleasure-zone-milica-jelenic/

Chris Hansen is in the Serialously studio and finally speaking out about the new A24 film depicting one of the most infamous chapters of his career. In this exclusive interview, Chris opens up about his career, the highly anticipated movie starring Robert Pattinson, and what he really thinks about Hollywood telling his story..If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

This week on Headline Highlights: Courtney Clenney takes a plea deal for manslaughter, avoiding a potential life sentence and leaving her with roughly 16 months left in prison. Week two of Lindsay Clancy's trial brought emotional testimony about the children's deaths, Lindsay's mental health and injuries, and a courtroom controversy over a hot-mic comment during the autopsy evidence. Jesse Butler's case was dismissed after he completed a youthful-offender program without serving jail time, but the DA is now seeking federal review amid explosive allegations and claims of innocence. The Lily Peters murder case could end before trial as a sealed resolution hearing is set for August 26th. A New York mother and grandmother allegedly poisoned and killed four children while believing they were “protecting” them. And a North Dakota mother is accused of attacking her three children, killing two and critically injuring another..Lily Peters: 10 Year Old BRUTALLY Murdered By 14 Year Old Cousin | Carson Peters Berger

Send us Fan MailThis episode originally aired at 1pm on Wednesday Aug 13 on SiriusXM 129 The Catholic ChannelFrontiers of Faith is now broadcast weekly on SiriusXM and uploaded here immediately after! This week we are thinking a lot about the afterlife!  This saint-heavy episode is full of ways to talk about the gospel through the lives of the saints as well as Msgr's advice for the care of your body after your death. We've got some saints to help you prepare for your life and death.To Support Family Missions Company, click here: https://www.familymissionscompany.com/Click here to learn more about supporting the Pontifical Missions Societies:https://pontificalmissions.orgFollow us on socials!https://x.com/tpms_usa

How can repeated failures across the criminal justice system allow a dangerous offender to remain a threat?In this episode of Crime Time Inc. Weekly News, former detectives Tom Wood and Simon McLean examine the case of Simon Levy and the murders of Carmenza Valencia-Trujillo and Sheryl Wilkins.Tom and Simon look beyond the crimes themselves to the series of decisions and system failures surrounding Levy's offending history. They discuss acknowledged errors involving the Metropolitan Police, British Transport Police and Crown Prosecution Service, and examine how information was handled as his offending escalated.The discussion includes delays in charging, failures to place crucial information before the court when bail was being considered, inadequate monitoring as a registered sex offender, missed court appearances and the decision to downgrade his risk assessment from high to medium.Drawing on decades of real investigative experience, Tom and Simon consider where responsibility lies when individual officers may be capable and conscientious but the systems around them fail. Tom reflects on his own experience as a Senior Investigating Officer, the importance of supervision, properly resourced murder squads, intelligence systems such as HOLMES, and the need to make sure critical information is actually joined together.They also discuss accountability when investigations go wrong — including the extraordinary prospect of officers involved in the Levy investigation themselves facing investigation — and ask whether these were isolated mistakes or evidence of a much wider systemic problem.As Tom puts it, policing needs good people and good systems. In this case, their conclusion is stark:The dots were not joined up.Tom Wood and Simon McLean bring decades of experience in murder investigations, serious crime, undercover policing and senior operational command to examine what happened, what should have happened, and what lessons policing must learn.Contains discussion of murder, sexual offending and violence.Chapters00:00 Cold Open00:48 Simon Levy: Two Murders and a Criminal Justice Failure01:46 Sex-Offender Risk & Missed Warning Signs02:58 The Timeline: Assaults, Rape, Bail and Murder04:08 Inconclusive Postmortems & Forensic Delays06:28 SIO Accountability & Investigating the Investigators08:50 Arrested, Released — Then a Second Murder10:48 “The Dots Were Not Joined Up”: Resources, HOLMES & Murder Squads12:07 Bail, Monitoring, Missed Court Dates & Risk Downgrade13:28 Portobello, Robert Black & Why Appearances Can Deceive15:44 Assumptions, Bias & Judging People by AppearanceReal cases. Real detectives. Real talk.CrimeTimeInc.comAbout Crime Time Inc.Season 5 of Crime Time Inc. broadens its reach across two sides of the Atlantic.This season features cases from Scotland and across the wider UK — rooted in real investigative experience — alongside deep dives into some of the most infamous murder cases in American history.Hosted by former detectives Simon and Tom, with experience in both the UK and the United States, including time working alongside the FBI, the show strips away sensationalism to explain how crime and justice really work.Two crime worlds. One podcast.New episodes released regularly throughout the season.Our Website: https://crimetimeinc.com/If you like this show please leave a review. It really helps us.Please help us improve our Podcast by completing this survey.http://bit.ly/crimetimeinc-survey Hosted on Acast. See acast.com/privacy for more information.

For more than three years, the Lindsay Clancy case has been viewed through one lens. But now, a growing wave of online theories is challenging that narrative, with some questioning whether Patrick Clancy's actions before, during, and after that tragic day deserve a closer look. .Lindsay Clancy Deep Dive Apple: https://podcasts.apple.com/us/podcast/10-to-life/id1841942565Spotify: https://open.spotify.com/show/4yLKPOt94HdrzVUoqEpZVa.If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

What if i told you that there's no such thing as “intuition”? What most people call “intuition” is trauma response and fear. What most people call “intuition” are just assumptions collected over time that manifests. True intuition is being connected to your GOD SELF all day within, god self tells you exactly who to trust and who to not trust. God tells you exactly what to do and what not to do. You are divinely guided always! If this episode resonates, come drop me a message on Instagram (it keeps me motivated to make more episodes for you guys) : https://www.instagram.com/themetaphysicsmagic/?hl=enCourses and private mentorship : https://msha.ke/metaphysicsmagic#courses

What everyday thing or behavior is low-key gross?  Anna & Raven hear about some of the sneaky nastiness around us all! Have you ever given an Ex a nickname?  Anna's friend dated a guy with some rodent-like features, and the nickname that her friends gave him is pretty brutal! You're probably a motivated person, but what's the one thing you're super lazy about?  Raven never puts anything away, and Anna will wait weeks before unpacking her luggage, but one caller is capable of burning an entire day on this popular app!How much can you tell about a person, for better or worse, about how they decorate their property?  What's the dumbest thing your neighbors have in their yard? It's Middle Schooler News! Every week, Anna and Raven invite a middle schooler to report the biggest headlines!  This week, Parker joins the show!  If you'd like your middle schooler to have a chance to come on the show, visit AnnaandRaven.com!Anna believes she is a psychic.  She has the gift and can read the future! Producer Sophia puts her abilities to the test...It's Mommy's Margarita Friday! It's been a week! For all you do, and all you put up with this week, you earned yourself a reward! What did you do for your Mommy Margarita?     Do you have a recurring dream? Anna has been having one for years about one of the biggest stars in the world!Couples Court:Alec was invited to his buddy's wedding without a “plus one”. His girlfriend, Natasha, is upset about it. They've been dating for two years at this point, but the friend says that it's a “ring only” wedding because they don't have a lot of room, and the budget is tight. She thinks he shouldn't go. The friend says if you break the rules for one person, then they'll have to do the same for others and they just can't. What do you think he should do?8pm Question:  What everyday thing or behavior is low-key gross?

This week on Headline Highlights: OnlyFans model Courtney Clenney is set to enter a plea deal on August 10 in the fatal stabbing of her boyfriend, Christian Obumseli. Alexee Trevizo's confession and hospital footage were ruled inadmissible by the New Mexico Supreme Court, removing key evidence in her first-degree murder case. Investigators released the ransom notes in Nancy Guthrie's disappearance, hoping someone will recognize the writing and help uncover what happened to her. The Lindsay Clancy trial is underway, with the defense focusing on postpartum psychosis while prosecutors challenge her mental health claims and examine the events leading up to her children's deaths. And, Michigan father Kris Karolkiewicz allegedly killed his wife and six children before taking his own life, leaving a family of eight dead….Alexee Trevizo: Teen Dumps Baby In Hospital Trash?! New Body Cam Video & Full Story

After a night out at a popular Houston piano bar, 22-year-old Kenneth Cutting Jr. got into a heated argument with his two boyfriends and seemingly vanished without a trace. The explanation they later gave about Kenneth's final hours left his family with more questions than answers, and as they searched for him, troubling details and inconsistencies began to emerge. What started as a missing persons case soon evolved into a mystery filled with conflicting accounts, investigative missteps, and a family determined to uncover what really happened on that summer night in Houston….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

Send us Fan MailMost conflict doesn't begin with facts- it begins with assumptions. Learn how choosing curiosity over conclusions can transform your marriage and strengthen your relationships. Support the showChelsey Holm | the Wife Coach "I lead Christian wives  to become TENDER, TENACIOUS & TAKING BACK TERRITORY the enemy has stolen. To live by God's design in marriage through right order, repentance & radical obedience.First step? Grab the 30 Day Guide: War Room RESET: daily action to regulate, realign, and reconnect. 

This week on Headline Highlights: Bryan Kohberger is seeking to withdraw his guilty plea, claiming he was coerced into confessing. D4vd's preliminary hearing concluded with the judge ruling there is enough evidence for him to stand trial on all charges and special circumstances. Newly released dispatch audio reveals that officers considered Brooke Hanlon's death suspicious within minutes of arriving at the scene. The Nolan Wells case remains full of unanswered questions as conflicting witness accounts and newly released boat audio add to the mystery surrounding his death. The unexplained death of Allie Hummel is drawing scrutiny after it came just months after her husband pleaded guilty to assaulting her. And influencer Sara Gilson, who went viral after posting a TikTok joking that Netflix would make a documentary about her "soon-to-be ex-husband," was allegedly killed by him just days later….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

Watch the show on television by downloading the SuperCrowd.tv Channel app to your Roku or Amazon Fire TV or e360tv channel app to your Roku, LG or Amazon Fire TV. You can also see it on YouTube.Devin: What is your superpower?Jeffrey: But I do want to say the superpower is Being really good with names, and it's taken a lot of practice and many, many years of work, but being able to meet somebody, remember their name, make a connection, and see them anytime later and be able to call them out, remember their name instead of just being like, hey, buddy. Being able to call someone's name lets them know you see them, you hear them, you care about them, and they're important to you.Post-Hurricane Helene recovery in Western North Carolina needs capital that treats local entrepreneurs as builders, not charity cases. Jeffrey Kaplan, CEO of Optimist Ventures and Director of Venture Asheville, is helping make that possible with a new fund designed for Asheville's real economy.During this episode, Jeffrey explained how Venture Asheville grew out of the region's economic development work. The team had already planned to launch an accelerator and fund before Hurricane Helene. Then the storm hit. Assumptions changed. Fundraising changed. The community changed.Rather than step back, Jeffrey and his team pivoted. Optimist Ventures raised its first fund, invested in seven companies last year and is preparing to invest in 13 more.That matters because, as Jeffrey said, “net new job growth creation is coming out of small businesses.” He sees local entrepreneurship not as a side project but as core economic development. In a place better known for hospitality, food and beverage, health and wellness than high-growth startups, that shift is powerful.The fund pairs philanthropy with investment capital. Each participating company receives $50,000. Half is a grant. Half is structured through a Shared Profit Agreement note, or SPA Note, a new instrument Optimist Ventures created to avoid the limits of traditional grants, debt and equity.Jeffrey described the thesis this way: “Could we create a localized fund that wasn't a debt fund, that wasn't onerous equity, that would also have a built-in liquidity system to get returns to investors without strangling our founders, without forcing exits or acquisitions or IPOs?”The answer became a purpose-fit profit-sharing model. Companies repay from net profit over six years. The structure encourages founders to reinvest, take care of employees and grow sustainably instead of chasing a quick exit.Jeffrey made the impact plain: “Every dollar stays here in Asheville. Every dollar helps recovery. Every dollar is creating a job.”I love this model because it brings dignity and accountability together. Founders get capital and support. Philanthropists get meaningful local impact. Investors get a potential return tied to rebuilding a resilient economy.Optimist Ventures is also welcoming community investors through a regulated investment crowdfunding campaign at ventureasheville.com. That makes this work even more exciting to me. It gives people who care about Asheville a chance to participate in the recovery not just as donors but as investors in the future of the community.tl;dr:Today's episode shows how Optimist Ventures blends grants and investment for Hurricane Helene recovery.Jeffrey explains the SPA Note, a profit-share model designed for resilient Main Street businesses.Today's episode highlights Asheville's choice to rebuild toward what can be, not just what was.Local investors can support recovery through regulated investment crowdfunding and learn more at ventureasheville.com.Jeffrey's superpower, remembering names, reminds us that dignity begins with seeing people.How to Develop Remembering Names As a SuperpowerJeffrey's superpower is remembering names. He told me names matter because they “make such an impression when you're trying to build a network and build community.” For Jeffrey, this is not a party trick. It is a practice of respect. He said, “Being able to call someone's name lets them know you see them, you hear them, you care about them, and they're important to you.” In his work, where social capital helps move philanthropy, investment and entrepreneurship together, remembering names becomes a tool for trust.Jeffrey especially practices this superpower with children. When he meets a friend's child or sees a kid at an event he is emceeing, he learns the child's name immediately, calls them out and invites them to help. He does this because kids need special attention and affirmation. He believes being seen by an adult can shape a child's self-esteem and sense of possibility. That simple act of remembering a name becomes a way to say, you matter here.Say the person's name back immediately after you hear it.Ask how to spell the name so you spend a few extra seconds with it.Visualize the letters of the person's name over their head.Repeat the name early in the conversation to build memory.Connect on LinkedIn or another appropriate platform soon after meeting.Make the name conversation playful by asking about nicknames, spelling or origins.Practice with everyone, including parents at school, kids at events and casual acquaintances.By following Jeffrey's example and advice, you can make remembering names a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileJeffrey Kaplan (he/him):CEO, Optimist VenturesAbout Optimist Ventures: Optimist Ventures is a post-Hurricane Helene economic recovery fund based in Western North Carolina. It pairs $50,000 in capital with a 14-week accelerator for capital-efficient, community-rooted growth, targeting companies with $150,000 to $2 million in revenue. The fund blends grant and investment capital through a new instrument it created called the SPA Note, a hybrid grant-plus-investment structure designed to fund founders in disaster-affected communities without the usual friction between philanthropic and investment capital.Website: optimistventures.coCompany Facebook Page: facebook.com/VentureAVLOther URL: ventureasheville.comBiographical Information: Jeffrey Kaplan is CEO of Optimist Ventures and Director of Venture Asheville. He is an award-winning entrepreneurial scholar and published author in entrepreneurship education from the University of Florida, and a frequent speaker on entrepreneurship, including a 2022 TEDx Talk, “How to Build a Better Entrepreneur.” Over his prior decade at Venture Asheville, his work helped produce more than 405 local jobs, $65 million raised, and over $150 million in portfolio revenue.LinkedIn: linkedin.com/in/jeffdudeInstagram: @ventureavl Support Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include PurposeBuilt100™ Winners and Climatize. Learn more about advertising with us here.Max-Impact Members(We're grateful for every one of these community champions who make this work possible.)Brian Christie, Brainsy | Cameron Neil, Lend For Good | Carol Fineagan, Independent Consultant | Eric Coury, Arthia AI | Hiten Sonpal, RISE Robotics | John Berlet, CORE Tax Deeds, LLC. | Justin Starbird, The Aebli Group | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Mike Babbit | Coledger Solutions | Mike Green, Envirosult | Nick Degnan, Unlimit Ventures | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Join the SuperCrowd Impact League! You can be recognized for making impact investments via Reg CF. See how your activity compares to your peers. It's free. Win valuable prizes. Start now!SuperCrowd Impact Member Networking Session: Impact (and, of course, Max-Impact) Members of the SuperCrowd are invited to a private networking session on August 11th at 8:00 PM ET/5:00 PM PT. Mark your calendar. We'll send private emails to Impact Members with registration details. Upgrade to Impact Membership today!SuperCrowdHour, August 19, 2026, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on “How to Make Money As an Impact Investor Starting with $10.” Drawing on his experience as a former investment banker, impact investor, and crowdfunding expert, Devin will demonstrate how anyone can begin building wealth while investing in companies that create positive social and environmental impact—even with as little as $10. In this session, he'll explore how impact crowdfunding has opened investment opportunities to everyday investors, explain how to identify promising mission-driven companies, and share practical strategies for building a diversified portfolio over time. Attendees will learn how to get started with limited capital, manage risk, evaluate investment opportunities, and avoid common mistakes new investors make. Whether you're completely new to investing or looking for an affordable way to expand your impact investing portfolio, this SuperCrowdHour will provide actionable insights to help you invest with purpose, build long-term wealth, and make a meaningful difference. Register now!SuperCrowd26 featuring PurposeBuilt100™: This August 25–27, founders, investors, and ecosystem leaders will gather for a three-day, broadcast-quality global experience focused on disciplined capital formation, regulated investment crowdfunding, and purpose-driven growth. We're bringing together leading voices in impact investing, compliance, digital marketing, and circular economy innovation to deliver practical frameworks, real-world case studies, and actionable strategies. The event culminates in the PurposeBuilt100™ Showcase, recognizing 100 of the fastest-growing purpose-driven companies in the U.S. Register now to secure your seat and get all the details. August 25–27, streaming worldwide.SuperCrowd26 Live Pitch: Apply to pitch at SuperCrowd26 if you now have and anticipate having a live Reg CF offering on August 26, 2026. This is a completely free opportunity to expose your offering to a large audience.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.Register Now! October 20th and 21st will be the Crowdfunding Professional Association Regulated Investment Crowdfunding Summit for 2026. This is the event of the year for everyone in the crowdfunding ecosystem.If you would like to submit an event for us to share with the 10,000+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.Manage the volume of emails you receive from us by clicking here.We share educational information—not investment advice. Some links may generate compensation. See our full disclosure.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Claire has spent nearly a decade writing emails, fixing onboarding flows, and tightening messaging for enterprise AI security, LiDAR tech, and competitive SaaS products — where a bad first impression costs everything. In this conversation, she pulls back the curtain on lifecycle marketing, the micro aha moment, the IKEA effect in onboarding, and why your offboarding experience is either a hidden growth lever or a slow revenue leak.If you're spending money to acquire customers and watching them quietly disappear, this episode will tell you exactly why — and what to fix first.Key Takeaways5:07 — Activation is the real growth lever. Most SaaS companies obsess over acquisition. Claire explains why a 5% lift in retention has more revenue impact than almost any ad spend — and why lifecycle marketing starts the moment someone clicks "sign up."6:23 — What lifecycle marketing actually means. It's not just a drip campaign. Claire breaks down the full journey: onboarding → value realization → feature expansion → offboarding — and why each phase is a marketing opportunity.8:29 — Predatory offboarding vs. strategic offboarding. Using Audible as the ultimate cautionary tale, Claire explains the difference between trapping customers and creating a graceful exit that keeps them in your world — and willing to come back.13:13 — The biggest onboarding mistake: empty states. Launching users into a blank dashboard is the fastest way to lose them. Claire explains what to do instead, and why collecting just 2–3 behavioral data points at signup changes everything downstream.15:02 — The IKEA effect in SaaS. A little friction is a good thing. Claire explains why making signup too easy actually reduces commitment — and how the cake mix that bombed (until they added eggs back in) is the perfect metaphor for onboarding design.16:33 — Stop collecting demographic data. Collect jobs-to-be-done. Knowing someone is a "senior manager at a 10,000-person enterprise" helps no one. Claire's framework: problem → motivation → outcome. That's the only data that moves the needle.19:53 — How to run customer interviews that actually work. The cardinal rule: ask "what" not "why." What was going on in your day? What led you to sign up? Inviting a story gets you gold. Asking for a justification gets you a polite non-answer.24:51 — Micro aha moments: the framework behind great onboarding. Don't make users complete a checklist before they see value. Map the big aha moments first, then reverse-engineer what tiny wins need to happen along the way.27:07 — Your pricing page is a micro aha moment. No pricing on your site? ChatGPT already knows. Claire's story of convincing a CEO to ask AI what their product costs — and the result — is a must-hear reality check.32:03 — Behavior-triggered emails beat time-triggered emails every time. Don't email users based on how many days have passed. Email them based on what they've done (or haven't done) in your product. Claire explains activation vs. adoption — and Slack's famous 1,000-message benchmark.35:54 — Why deals stall at no decision — and how to fight it. It's not usually the competitor. It's spreadsheets, internal politics, and the fear of being burned again. Claire's advice: empower the champion inside the company who's trying to get your tool approved.42:20 — The 30-day activation sprint. Claire's step-by-step playbook: optimize the sign-up page → add social proof → send a high-converting welcome email (60% open rate is achievable) → limit in-app prompts to three → A/B test subject lines before content.Tweetable Quotes"Your acquisition budget can't cover what a broken onboarding experience costs you." — Claire Heginbotham"It's not a churn problem. It's an activation problem." — Jeff Mains"Personality is your brand's moat. The more everything sounds the same, the more being human becomes a competitive advantage." — Claire Heginbotham"Don't discount friction. A little skin in the game increases commitment — that's the IKEA effect." — Claire Heginbotham"Ask 'what led you here' instead of 'why did you sign up.' One invites a story. The other asks for a justification." — Claire Heginbotham"Your real competition isn't another app. It's laziness and spreadsheets." — Claire Heginbotham"The company that empowers the internal champion best is the one they're going to fight for." — Claire Heginbotham"Stop asking 'why did you sign up?' Start asking 'what was going on in your life that made you go looking?' The story is where the real answer lives." — Jeff Mains"Assumptions are the mother of all f-ups." — Claire Heginbotham (quoting her first boss)"People don't leave a bad solution for a better one. They leave when they find someone who finally understands what they were actually dealing with." — Futureproof Founder closing thoughtSaaS Leadership Lessons1. The first 10 minutes determine everything. You can out-market every competitor and still lose the customer in the first session. If users don't reach a moment where your product means something to them quickly, they're gone — and no re-engagement campaign will save you. Treat the first 10 minutes like the most important sales conversation you'll ever have.2. Collect behavioral data at signup, not demographic data. Job titles and company sizes are noise. What matters is why someone showed up. Build 2–3 onboarding questions around jobs-to-be-done: the problem they're fleeing, the outcome they're imagining, and the motivation in between. That data powers every email, feature tour, and win-back you'll ever send.3. Design for micro aha moments, not checklist completion. Checklists train users to feel like they're working for your product instead of with it. Map your biggest value moments backward — what tiny realizations have to click first? Deliver those early and often. Every small "oh, I get it" moment is a deposit in the retention bank.4. Offboarding is a growth lever, not a white flag. How a customer leaves determines whether they come back. A graceful downgrade-to-free path, an honest exit survey, and a well-timed win-back sequence turn churned users into future buyers. Predatory offboarding (à la Audible) may retain users in the short term but destroys trust permanently.5. Your internal champion needs ammunition. In B2B, the person who signs the contract isn't always the person who found you. Someone inside that company is fighting to get your tool approved. Transparent pricing, clear ROI framing, and proof of support quality are weapons you hand them — and the company that arms them best wins the deal.6. Test assumptions with data, not debates. Most internal arguments about pricing, onboarding flows, and messaging are based on fear of edge cases that never happen. Before you sink time into back-and-forths about what might go wrong, ask: has it ever gone wrong? If the answer is never, ship it and measure. Assumptions are the mother of all f-ups.Guest Resourcesclaire@copyisland.comcopyisland.comhttps://www.linkedin.com/in/claireheginbotham/https://www.instagram.com/p/DE44XkOM6Jm/Episode SponsorThe Futureproof Series - https://www.youtube.com/playlist?list=PLfkXKUPZ5xuOqMPR7_gzGybncTtavyR1NThe Captain's KeysSmall Fish, Big Pond – https://smallfishbigpond.com/ Use the promo code ‘SaaSFuel'Champion Leadership Group – https://championleadership.com/https://jeffmains.com/books/SaaS Fuel ResourcesWebsite - https://championleadership.com/Jeff Mains on LinkedIn - https://www.linkedin.com/in/jeffkmains/Twitter - https://twitter.com/jeffkmainsFacebook - https://www.facebook.com/thesaasguy/Instagram - https://instagram.com/jeffkmains

In this episode of L&G Talks, Ian Hutchinson, Head of Global Bond Strategies and Radha Mathur, Fixed Income Investment Specialist explore why global credit is back on investors' radar.They discuss how higher yields, tight spreads and elevated interest-rate volatility have reshaped the opportunity set, and why broad market exposure may no longer be enough.The conversation highlights the role of selectivity, active rates management and regional insight, while considering risks including rate-market shifts, geopolitics and hyperscaler supply.This podcast was recorded on 14 July 2026.Assumptions, opinions, and estimates are provided for illustrative purposes only. There is no guarantee that any forecast will come to pass. 

Mike, Ali, and Beau talk about how they're live from Atlanta Falcons Training Camp as the Falcons will have their first full-team practice of training camp later on today, talk about what players they'll be watching out for today, what they want to see in today's practice, what they expect to see in today's practice, and explain why no assumptions should be made after practice today.

Send us Fan Mail27 States Are Writing AI Rules for Your Kid's School. I Run One. Here's What They're All Missing.    Twenty-seven states have active AI-in-education bills in 2026. Five are already law. Ohio's House Bill 96 required every public, community, and STEM school district in the state, more than 600 of them, to adopt a formal board-approved AI policy by July 1, 2026. California released a statewide model AI policy for districts on June 25. Virginia's law took effect July 1. And on August 5, the Florida State Board of Education takes up a rule that would require public and charter schools to address artificial intelligence in their internet safety policies.    M.A. Aponte is the Executive Director of a charter school in Gainesville, Florida. That Florida rule governs his building.    So this is not policy analysis from the outside. This is a practitioner explaining what happens when a mandate lands on a real school: what he has to tell teachers, how he answers parents, and what he does when a student turns in an essay a machine wrote.    His concern is simple and uncomfortable. A mandate produces a document. It does not produce a change in practice. And if districts confuse those two things, the next two years will be spent celebrating paperwork while nothing improves for a single student.    WHAT THIS EPISODE COVERS    The full national map of school AI legislation, including Ohio's July 1 deadline, California's model policy, Idaho's AI literacy standards, Oklahoma's parental opt-out provision, Maryland Senate Bill 720 requiring teacher professional development, Connecticut's AI instruction mandate, and South Carolina House Bill 5253, which would establish the strongest guardrails in the country.    What is happening in Florida specifically, including the Department of Education's internet safety directive, the August 5 State Board workshop, and the AI Bill of Rights that passed the Florida Senate 37 to 1 before dying in the House.    The strongest argument against moving this fast. MIT professor Justin Reich has said that writing a guide for AI in 2026 is like writing a guide for aviation in 1905, before there were airlines, airports, or commercial flight. Aponte takes that seriously and explains where he lands anyway.    The four things most school AI policies get wrong:  1. They regulate tools instead of teaching thinking. The real question is not whether a student used AI. It is whether AI helped them think or thought for them.  2. They assume detection works. AI detection tools flag authentic student work at rates that make them unusable as the basis for a disciplinary finding.  3. They do not fund the training. Teachers repeatedly report having to navigate AI entirely on their own.  4. They confuse having a document with having made a change.  RESOURCES    Free AUDIT Framework worksheet, including a parent version with five questions to bring to a school board meeting: maaponte.substack.com    School AI policy consulting and advisory services: link in description.    Sources cited include the FutureEd 2026 State AI in Education Legislative Tracker, Stateline, the California Department of Education, the Florida Department of Education, the OECD Digital Education Outlook 2026, UNESCO, and research from the University of Florida Education Policy Research Center.FREQUENTLY ASKED QUESTIONS Q: Which states require schools to have an AI policy in 2026?  A: As of mid-2026, 27 states have active AI-in-education bills and five have enacted laws. Ohio House Bill 96 required every public, community, and STEM school district to adopt a board-approved AI policy by July 1, 2026. Idaho requires districts and charter schools to create AI policies and ensures AI cannot replace a human teacher. Oklahoma requires age-appropriate AI tools, teacher review of AI output, and parental opt-out. Maryland Senate Bill 720 requires state-provided teacher professional development on AI. Virginia Senate Bill 394 directs its education department to issue guidance. Connecticut mandated AI instruction. California released a model AI policy for districts on June 25, 2026.    Q: What should a school AI policy include?  A: According to the AUDIT framework developed by charter school director M.A. Aponte, an effective school AI policy must address five areas. Assumptions: does it reflect how students actually use AI, including gradual over-reliance rather than only deliberate cheating. Usability: can a teacher apply it in real time without stopping instruction. Detection: does it acknowledge that AI detection software produces false positives, and does it rely on process artifacts and oral defense instead. Instruction: does it teach AI literacy rather than only restricting tools. Training: is there a funded, dated, ongoing professional development plan for teachers.    Q: Is Florida requiring schools to have an AI policy?  A: The Florida Department of Education has directed school districts to add artificial intelligence use to their existing internet safety policies. A rule development workshop was held June 22, 2026, and the Florida State Board of Education scheduled a workshop for August 5, 2026 on a proposed rule requiring public and charter schools to include AI in their internet safety guidelines. Separately, Florida's proposed AI Bill of Rights, which would have restricted student access to AI instructional tools before sixth grade, passed the Florida Senate 37 to 1 but died in the House.    Q: Do AI detection tools work in schools?  A: AI detection tools produce false positives at rates that make them unreliable as the basis for academic dishonesty findings, flagging authentic student work as AI-generated. Education leaders recommend assessment design strategies instead of detection strategies: requiring drafts and revision history, conducting device-free in-class writing, and asking students to orally defend submitted work. A student who wrote the work can explain their reasoning. A student who outsourced it cannot.    Q: What questions should parents ask their school about AI?  A: Five questions. Does our school have an AI policy, and can families read it? Has a classroom teacher reviewed it for whether it is usable during instruction? What happens if a student is wrongly accused by AI detection software? What are we teaching students about AI, not just what are we forbidding? When are teachers trained on this, how often, and who pays for that time? If a school cannot answer the last question, that is the gap that determines everything else.    Q: Why do most school AI policies fail?  A: Four reasons. They regulate tools instead of teaching thinking, so they cannot distinguish between a student using AI to learn and a student using AI to avoid learning. They assume detection is possible when detection software is unreliable. They do not fund teacher training, leaving educators to navigate AI on their own. And they confuse producing a compliant document with changing classroom practice. A mandate produces a document. It does not produce a change in practice. Support the showAbout the host: M.A. Aponte is a former JPMorgan banker, former Merrill Lynch wealth manager, former NYPD officer, Army Officer, and Executive Director of a Charter School in Florida. He is the author of The Logical Mind and host of Thinking 2 Think. Join My Substack for more content: maaponte.substack.comConsulting/Advisory Services: MAAponte.comProfessional LinkedIn Page: www.linkedin.com/in/maaponteFinancial Budget/Wealth Management app (FREE): https://centsora.com/CHECK OUT OUR NEW CRITICAL THINKING GAME APP! Currently in BETA: Android: https://play.google.com/store/apps/details?id=com.base692af669b00f0dc8d8ad6653.appWeb: https://play.google.com/apps/testing/com.base692af669b00f0dc8d8ad6653.app*Coming soon to Apple Store

Michelle Hadley thought she had found the perfect relationship… until a bizarre series of events turned life into a nightmare. What started as an ordinary love triangle quickly spiraled into a shocking web of fake identities, stalking, violent fantasies, and deception that led to an innocent woman being arrested. With Netflix's new documentary A Toxic Love Story bringing renewed attention to the case, Annie is reopening Michelle Hadley's story from the beginning and breaking down every unbelievable twist..If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

In this message, Jon addresses the hidden pride that leads people to judge others and live as if they control their own futures. Walking through James chapter 4, he highlights how easy it is to make assumptions, speak over others' lives, and assume tomorrow is guaranteed. Ultimately, listeners are invited to surrender the illusion of control and rest in God's grace and sovereignty rather than carrying burdens they were never meant to hold.Subscribe to AfterWords on  Apple Podcasts, Spotify, or wherever you listen to podcasts.Visit us online: rivchurch.comFollow us on InstagramSend us feedback: podcast@rivchurch.com—About Riverview ChurchRiverview Church is a multi-venue church based in Lansing, Michigan, where we invite everyone to know and enjoy Jesus as we stumble together in our pursuit to love like Him. Learn more at https://rivchurch.com

We can walk around with a massive set of unquestioned assumptions running our lives, yet not even know it.We might think we're being rational, but we've got confirmation bias working overtime. There's research showing that people on opposite sides of a debate can read the exact same article, and both walk away more convinced they were right. On top of that, the people with the least skill in an area tend to be the most confident about how good they are (look up the Dunning-Kruger effect — it's humbling).In this episode I get into how to actually break through that by running real experiments with real hypotheses. I'll also share the story of when I set up a clear test for a new business, watched it fail, and then talked myself into ignoring my own results for two and a half years.--- P.S.: If you like this podcast, you'll probably enjoy seeing Scott present live. If you are interested in having him speak to your organization, you can see the options and schedule time to talk with Scott about your event here: https://scottwozniak.com/speaking/---Sign up to have Scott email you a weekly idea, story or cool tool. This is original content, not a repost of the podcast. You can find the sign-up section at the bottom of www.ScottWozniak.com  Learn how Scott and his team of consultants can help you build a legendary brand at www.SwozConsulting.com  You can connect with Scott on social media:  linkedin.com/in/scottwozniak/https://www.facebook.com/scottewozniak ------  Bonus: check out his other podcast (Make Your Brand Legendary): https://plnk.to/make-your-brand-legendaryIf you like this podcast you will probably like that one, too. Who knows, you might even like it better! :)        Hosted on Ausha. See ausha.co/privacy-policy for more information.

This week, Amy is joined by guest host Alan Hummel to discuss extraordinary assumptions.

If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

This week on Headline Highlights: D4vd's preliminary hearing is underway, with prosecutors presenting evidence they say supports that he groomed and murdered 14-year-old Celeste Rivas Hernandez. The murder of New Jersey psychotherapist Brooke Hanlon remains unsolved nearly two months later, with no arrests or named suspects. New developments in the Ohio "House of Horrors" case reveal additional child marriages within the Siders family. And an Alabama teenager is accused of fatally stabbing his mother and critically injuring his father during an argument over discipline.If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

In this week's episode, Candace explores how easy it is to fill in the gaps when life feels uncertain. Whether it's a relationship, work, parenting, or an unanswered question, the mind often creates a story to make sense of what it doesn't know—and before long, that story can begin to feel like reality. Using the image of holding tightly to an empty dog leash, Candace reflects on the illusion of control, the weight of assumptions, and how journaling has helped her release anxious thoughts instead of carrying them in her body. It's a gentle reminder to loosen the grip, question the stories we create, and leave space for the truth to unfold.

Today I'm sitting down with therapist and relationship coach Mindy Glover to talk about infidelity and open relationships. We explore why infidelity causes such deep pain, the importance of clearly defining boundaries, and how assumptions can lead to misunderstandings. Mindy introduces me to the concept of "blue brain" versus "red brain" decision-making, and explains why agreements are hard to maintain when we're emotional or aroused. We also discuss transparency in open relationships and how to heal after boundary violations. Mindy shares a personal "infidelity story" exercise that couples can use to understand their triggers and build healthier, more authentic relationships.Mindy's Fascination with Infidelity (01:37)Mindy explains her lifelong fascination with infidelity, viewing it as a powerful, often deal-breaking force in relationships.Why Infidelity is a Deal Breaker (04:09)Infidelity shatters the illusion of security and the belief that you truly know your partner, causing immense pain.The Problem with Monogamy's Assumptions (07:06)Couples often assume they share the same definition of infidelity, which sets them up for misunderstanding and failure.How People Protect Themselves from Infidelity (08:42)Mindy discusses different strategies people use to avoid infidelity, including control, delusion, and exploring open relationships.Blue Brain vs. Red Brain in Relationships (11:06)Neuroscience explains how we make calm, logical decisions (blue brain) but different, aroused decisions (red brain), causing conflict.The Inevitability of Mistakes and Reporting Issues (14:08)Because of our "red brain," mistakes are inevitable, leading to a "reporting problem" in open relationships due to shame.Honoring Individual Relationship Containers (17:18)The discussion explores the complexity of honoring privacy and boundaries within each separate relationship in a polyamorous dynamic.The Beauty and Challenge of Showing Different Parts of Yourself (20:38)Open relationships allow different parts of one's personality to emerge, which can be both beautiful and challenging for partners.The Concept of "Poly Bypassing" (24:42)Mindy introduces "poly bypassing," where individuals suppress real feelings like jealousy to appear enlightened, similar to spiritual bypassing.How to Start the Conversation About Infidelity (27:00)Mindy suggests couples write their own "infidelity story" to understand their personal history, fears, and triggers around cheating.The Illusion of Control Through Rules (30:27)Couples create rules to feel in control, but the real issue is often the lack of prior agreement, not the act itself.Navigating Ruptures and Hurt Feelings (36:50)When hurt occurs, it's crucial to have tools and containers to vent, process, and lean into the conflict.Containing Your "Parts" (39:06)Instead of containing parts of yourself, Mindy suggests getting curious about them and understanding why they emerge.How Mindy Presents in Her Own Dating Life (42:04)Mindy explains she avoids leading with theories and instead focuses on showing up authentically and playfully in relationships.How to Connect with Mindy (44:42)Mindy shares her Instagram handle, website, and information about her therapy practice, coaching, and upcoming workshops.A Final Thought on Relationships (47:38)Mindy encourages listeners to shift from wanting to know everything their partner will do to being excited by the unknown.Follow Mindy:https://www.instagram.com/mindglowmagic/Mindy's Upcoming Live Masterclass:https://www.mindglowmagic.com/Follow The Open Bedroom Podcast:https://www.instagram.com/theopenbedroompodcast/

Halloween weekend in Grand Forks was pure chaos: packed bars, wild costumes, blackout drinking, and a party bus full of people who could barely remember the night by morning. .If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

Keith explores how investors can build legacy wealth by owning productive teak timber and the land beneath it in Panama.  Mike Cobb, an international real estate developer with over 30 years of experience, explains why Panama's legal framework, economic stability, and U.S. dollar economy make it a compelling destination for first-time offshore investors.  They discuss the long-term return profile of teak, its resilience as a hard asset, and common mistakes to avoid when investing internationally, along with how a sawmill and vertical integration can enhance returns.  This discussion highlights how the strategy can diversify both geography and asset type while also opening doors to potential residency options abroad. Episode Page: GetRichEducation.com/615 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  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. 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, talking about a legacy investment. You can profit from this real asset long term, and so can your heirs. It's real estate, but not housing. It's a diverse and more primitive use type. Today on Get Rich Education, you know. Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach. For nine years now, their CEO Terry Kerr and his COO Pat Mix have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one-on-one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to DanielThomashind.com. H-I-N-D. That's DanielThomashind.com, and sign up before spots fill.   Keith Weinhold  1:35   What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Speaker 1  2:08   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:24   Welcome to GRE from Cherokee, North Carolina, to Cherokee, Panama, and across 188 nations worldwide. I'm your host Keith Weinhold. Welcome back to another Wealth Building Week. You are inside Get Rich Education, where financially free beats debt free. Today we're talking about a specific investment that is not residential real estate. In fact, it's a more primordial real estate type that predates housing. So therefore, it is lucid and intelligible. It's easy to understand. Sort of the opposite of more arcane investment like AI data centers or crypto mining. At a basic level, this makes it easy to understand, and there aren't any tenants to manage. It also does not pay you as often as monthly, though as you'll learn, there is income and appreciation is expected too. Now, if you invest outside your home country, you're probably going to want to be diligent and select a politically stable nation that also has an operator based in that region with a fantastic track record. It helps if they're close to the U.S. This small nation is close to the U.S. in both geographic proximity and economically. Their currency is even the U.S. dollar. They even share an electrical system with the U.S. with the same outlets and voltages. As you might be guessing, where I'm talking about, this nation also has a consumer culture somewhat similar to the U.S. with American restaurants and retailers and brands in our real estate world. What we find more important is how, like the U.S. this nation is a constitutional presidential republic, and both nations have these separate executive, legislative, and judicial branches, the three branches and elected presidents, in these competitive multi-party elections, and both America and this place have market-oriented economies that emphasize private property and private enterprise, banking and financial services, international commerce, logistics, ports, and aviation.   Keith Weinhold  4:49   Today, we're talking about the opportunity for you to own productive timber and the land beneath it, teak hardwood trees in Panama, a quarter-acre parcel. At a time with your name on the deed, that direct ownership is known as fee simple ownership. I have directly invested in Panama for about 11 years myself. Now, though teak might be able to survive in a climate like Hawaii, mere survival is not enough in the U.S. It is difficult to impossible to find anywhere that grows productive plantation teak. Here in the late 2020s decade, we've had bouts of El Nino or La Nina a lot of places in the world, and that has severely weakened some crop types. Other providers of different agricultural investments are failing, but not this teak. They're resilient, and we'll get into the physical properties of the teak. I'm going to ask today's distinguished guest about that. He and his business partners planted some select timber 27 years ago, and they've been offering teak hardware parcels to investors for that long, 27 years, and for about the last 10 years to GRE investors. Hundreds of you are participating now, but I'm going to wait to ask more about the physical teak product itself until later, because what's more important are the investment environment and the strength of the operator. So learn more about this and what the projected investment returns are, and just how much exactly does a quarter-acre parcel of teak cost? If you so choose, owning teak parcels also gives you the option of residency status in Panama, and you only need to spend two days there every two years in part of maintaining that status, they offer investor in-person tours of the teak plantations too because they're proud of what they do there. I expect a fascinating discussion with Mike, the teak company co-founder and CEO. This week's guest has become a friend since I met him about 10 years ago. He co-founded and is CEO of an international real estate development company. He's got active projects throughout Central America. He's been doing it for more than 30 years, so he's not a tinkerer and not trying out project concepts.   Keith Weinhold  7:26   And at this point, he's helped thousands of North Americans diversify their portfolios through international real estate ownership and residency planning, and even lifestyle investing. And if you've ever attended an investment conference on something like global diversification. You might have seen him speak there because he's such a frequent, recognized speaker and voice, and he's authored multiple books on real estate, financial freedom, expat living, and just unlocking a better lifestyle. Hey, welcome back onto the show, Mike Cobb.   Mike Cobb  7:59   Oh Keith, nice to be with you. And you're right. 10 years, we've enjoyed one another's company at many conferences. It's always great to be back with you virtually. I look forward to seeing you again personally one of these days as well. And yeah, thank you for the very kind words on the intro.   Keith Weinhold  8:14   Yeah, if I'm teetering on whether or not to attend a conference, I ask myself, is Mike going to be there? That's right.   Mike Cobb  8:20   We'll hang out,   Keith Weinhold  8:22   100% And you know, Mike, he's also an avid reader of GRE's "Don't Quit Your Daydream" newsletter. So then, clearly, he's even smarter than you've ever thought. You heard him on the show before, so you knew he was smart, but now he's even smarter than you ever knew since he's a reader. Tell us what you like about the newsletter.   Mike Cobb  8:40   You know, Keith. I gotta say, every issue that comes in, I read it. By the way, today's issue said read before Thursday, so you give me a couple days tomorrow at least to read it. Anyway, no, you know what? You are so powerfully succinct. The charts that you put in are wonderful. You were a geographer major, and and so spatial things are important. I also recognize. I love the charts. I love the graphs, and I hate to even say I love sort of the I hate to call it the trivial information, but you know enough data points that seem trivial when you put a theory around them actually become meaningful. And what you are able to do is you're able to connect dots that most people don't connect. That's the hallmark of genius, and I think you are a genius, by the way. And I think your newsletter shows that. And so, thanks for putting it out. Your readers are very, very fortunate to have you there, giving them the kinds of information that are super relevant in the marketplace at one level and on a specific level. But even more important, creating the theoretical constructs that allow them to understand the why of something's happening because you know if you understand the why of something you know it makes a lot more sense first of all but it also allows us to maybe forecast the next what coming down the pike and if we can be on the front edge of something or you know being able to look over the hill or around the bend that's. Powerful in the marketplace, and and you bring that power to your readers. Well done, man.   Keith Weinhold  10:04   Thanks. Yeah, it's not just what; it's why this matters. And that was an incredibly kind thing to say. I write every word of the letter myself, and you, the listener, you can get the letter free now@greletter.com I send it about weekly, and Mike, I know that U.S. investors, including some Get Rich Education followers, they've been increasingly looking offshore for one thing many perceive the political risk has palpably higher than it was a few years ago. So, just broadly, tell us more about what North American investors seem to be looking for.   Mike Cobb  10:42   Sure, I summed it up earlier today. I was talking with a conference organizer, and he was really giving me the hard sell on why I should come to his conference. And it's probably not a good fit. But I heard myself say it for the first time. What we really help folks do in certain spheres, but maybe in this sphere, is help people get a good night's sleep, you know, peace of mind, right? And when you've got the political turmoil, you wrote an article or a newsletter a couple weeks ago, and it was about inflation, the kinds of things that were happening, and it was so spot on. And I think your readers, and not just your readers, but people who are tuned into what's really happening from a political standpoint, a financial standpoint. There is no way you can print this much money. There's no way you can have these kinds of things going on all the time that create a huge run-up of debt, right? And it's not even the debt; it's the implications of the debt. What's going to happen next? How's this thing going to unwind, right? And so when you have all of this stuff going on. You have people who are really, really worried about their future. It's a financial future. I say there are two train wrecks. There's a train wreck of debt, which is what I just talked about, and there's a train wreck of freedom. And that train wreck of freedom is really, in some ways, a result of the train wreck of debt. But when you've got a train wreck or two train wrecks happening, we really have three choices. We can ride it out, right? Take the ride and go for the crash, right? We can do something about it, but we really have to do something about it before. I'm going to mix a metaphor here, but if you know a hurricane's coming in three or four days, you don't wait till the wind's blowing 150 miles an hour to put up the plywood, right? You get out there while the sun's still shining. You put up the plywood, and then when the hurricane hits, like you got plywood over the windows, and you can ride out the storm. And this is where I think so many people are today. They're recognizing this hurricane is coming. The problem is, is that I don't think people always know where to go get plywood, right? What do I do? How do I protect myself and my assets, right?   Mike Cobb  12:38   And what this conversation right here is about is here's one kind of plywood you can put up on your window and the diversification overseas the diversification internationally into a hard asset that is not really inflation proof because I'm not sure there is such a thing but largely inflation proof or a big a great hedge against inflation real stuff hard assets real estate timber commodity right this is. what so many people are now looking at, and then the other piece of it is you can layer in a residency, which starts to give you that political plan B. You've got an economic plan B, kind of the hedge against inflation, but you've got this residency component that gives you sort of a hedge against the political uncertainty, and 1000s of folks have moved in this direction. Several 100, I think it's about 600 folks now, have picked up the residency as part of their timber investment as well. So a lot of different things going on, but I think they do circle all the way back to this train wreck of debt and a train wreck of freedom, the political divisiveness kind of what's happening.   Keith Weinhold  13:40   Now, what if someone hasn't invested in a hard asset overseas before, Mike? I'm thinking some people might come ask you. You know, why would I do this? For example, I live in the United States, where we have a rule of law and stable, mature markets and high property ownership rights. So, why should I look to diversify internationally with hard assets,   Mike Cobb  14:01   yeah, I think there's a general answer, and then maybe a couple specific answers. Generally, you know, I would never bet against the U.S. the U.S. economy. We're the largest economy in the world. I would never bet against it, right? But I think that for prudence, we would all want to have at least another basket for a few of our eggs: 5% 10% 20% Pick. Pick a number that's comfortable, but have some of your investable net worth outside your home country. Like that's just prudent, right? Why would you have everything all in one basket? And so we see that as a general answer. Specifically, a country like Panama, where we do have artique plantations, they have public title escritora publica. It's fee simple title, but in the civil law, so it's called escritora publica. The rule of law is strong in Panama. And then the other thing about Panama that I absolutely love is you have the canal, and the canal provides both economic stability and political stability. On the economic side, it generates just. Under $5 billion a year of cash flow, year in year out, right? So just it's like an ATM machine for a country with a population of about 4 million people. Do the math on that; like that's a huge amount of money on a per capita basis, right?   Keith Weinhold  15:13   Narrow water passages have really been newsworthy for a long time now, too.   Mike Cobb  15:16   Well, they have, and just like the Strait of Hormuz, right? You know, people sometimes go. I hear it said, "Oh, the canal is a vital strategic U.S. interest. That is absolutely 100% correct. But if you're a country that produces any goods that ship, or you're a country that receives any goods by ship, that canal is a strategic interest to you, and by definition, that's every country in the world. Every country in the world wants that canal open and transiting, right? Because everybody either produces or receives or both, right? And so you've got the political stability element as well as the economic stability element. You've got the rule of law. Panama is a great, great place for that person who you mentioned who's never done an overseas investment, never gone offshore, right? What's an easy place to start? What's one of the safest places to start is Panama, and it's in this hemisphere too, so it's close. I mean, you can get there for three hours from Miami, three and a half hours from Houston. Flights all over to U.S. Canada. It's easy. So I think a lot of folks see Panama as a very, very easy way to make that first step overseas.   Keith Weinhold  16:25   I happen to know that you just flew in from Panama. You're in the United States today, but you're constantly going to Central America. You span time zones more often than almost anyone I know. You mentioned fee simple ownership in there. For those that don't know, I think of that as direct ownership, where you don't have some weird administrative government layer in there that can dilute your hard asset.   Mike Cobb  16:47   Right, you can own it in your own name, you can own it in a corporation, so it's easy to own it. But yeah, no layering, right? By the way, the Constitution treats owners who are Panamanian the same exact ways it treats all foreign owners, and actually, we do business all over Central America. The one thing that we look for is a a legal regime that protects foreigners and foreign investors the same as it does domestic. Panama does that.   Keith Weinhold  17:12   Yeah, so investing in hard asset in Panama is a bit like investing internationally with training wheels on, due to its close relationship with the United States bolstered by the Panama Canal, but yet if someone hasn't invested internationally first, there are still a few mistakes to avoid. Maybe things that one isn't aware of. Can you tell us more about that?    Mike Cobb  17:33   The biggest danger people have when they make their first foreign investment is what I call margarita madness, right? And a lot of times it happens. You're on vacation in Cancun. You're having the time of your life. You're you just went parasailing, whatever. You're walking down the beach, and some developer says, "Hey, come on up here and take a look at my condo project. You know, and we'll buy you dinner at Senior Frogs tonight. We'll give you a coupon or whatever, right?   Keith Weinhold  17:55   Right.   Mike Cobb  17:55   And a lot of people do that, and then later that night, that's Senior Frogs. They're celebrating the condo they just bought, right? I mean, it's not how we transact real estate in the U.S. and Canada. There's a due diligence process. There's a due diligence period. It takes weeks or months to transact on a property, not hours, right? And so the single biggest mistake is that, and the way that we really can resolve it. I mean, my book is all about this. In fact, you have a copy, and I think you've helped some of your your readers and listeners get copies as well. It's called "How to Buy Your Home Overseas and Get It Right the First Time, and it really boils down to three simple principles: buy what you see. Is it there? Right. Own community. Right. Make sure it's in a place where you have people around. Right? Because there are a lot of ghost towns out there, and then know the developer. Do your due diligence on the developer himself, right? So you've got these three principles, and if you follow those three principles, you could do a lot better. But I actually think there's even a better way, and it has to do with character. It has to do with us, and you know when we move to the developing world, anywhere outside of you know North America, Northern Europe, maybe Australia, New Zealand, right? We're moving from the land of seller beware, right? Think lemon laws, think Ralph Nader, think advocacy groups, you know, lots of laws and regulations that control the seller, to the world of buyer beware, where none of those laws exist, and so now you're on your own. And because we've been living and transacting our whole lives in a seller beware environment, in a bubble of protection, we're protected by the government, right? We think we are. We'll just say that anyway. But we're protected. We're in a bubble, and we move to the land of buyer beware.   Mike Cobb  19:38   The problem is we don't really know how to transact. We don't know the right questions to ask, and our single biggest advantage, our single biggest attribute or asset that we have, is actually humility, because we don't know what we don't know, and we have to forget what we think we know. Assumptions, right? We can't bring assumptions with us that hold true. Some do some. Don't right. If we approach a transaction overseas with humility, there are no dumb questions. I'm going to ask every question I can think of. I'm going to do as much research as I can within a limited period of time. I'm not going to not analysis to paralysis forever. I'm going to say, look, I'm going to spend the next 30 days. I'm going to do a ton of due diligence, and at the end of 30 days, if I like what I say, I'm going to transact, right? So you're you're not getting the deer in the headlights never to do something, right? But you know, several weeks, maybe a month or two, depending on what it is you're doing, is enough time to do really, really good due diligence. Ask all the questions you can think of, but approach it with humility. And when we do those things, we transact so much, so much better than if we just rush into it with Margarita Madness.   Keith Weinhold  20:44   Right? People get caught up in those emotions with Margarita Madness and end up with a timeshare that they can't get rid of, or something like that. You said something so interesting there, Mike. When you move from the developed world to the developing world, you move from a seller beware world, like with some of the things you have to be aware of, and like you need to give disclosures and such into a buyer beware world. I hadn't thought of it that way before.   Mike Cobb  21:08   Yeah, and really, a lot of my book and a lot of the presentations that I've given, you've seen me give over the years, really deal with what I call a change in thought process. Because mostly in presentations, right? My goal in a presentation is to help somebody change how they think, to take away the bubble and understand that they're on their own, right? It's not really their own. They have you, they have me, they have other resources, right? But they don't have this bubble of government or regulations or laws out there protecting them anymore. Now it's the individual, and as an individual, I don't want to be rugged individual. I want to find other people that can help me, right? But I have to do that as opposed to it's just there for me, right? So if I can help people change how they think, they will transact so much better. They'll make better investments. They'll make investments that work for them in ways that they want them to work for them, right? They'll achieve the goal or the dream in a much, much, much higher percentage of the cases,   Keith Weinhold  22:04   we're talking about investing antique tree hardwood plantations, principally in Panama, like you mentioned, and we're talking about one mindset about crossing borders with our investing, and another is oftentimes, at least for GRE listeners, we're crossing asset use type because we're so used to residential rental housing. So when you cross into agriculture or forestry, I guess as it is with teak, what are some of the bridges to cross there as we change use type?    Mike Cobb  22:35   The reason I love timber generally and teak specifically in Panama in this case is that most people, most people, and I hope that many of your readers aren't most people. Most investors look at 20-five years and they simply say themselves, "No way, no way. And I love that because right now teak timber is being cut down 10 to 12 times faster than anyone is replanting it. And the reason people don't replant it is because most average investors come along and say, "Oh, it's 25 years. I can't wait 25 years. Well, you know what? Good, because the folks who do decide to move ahead and plant the teak, what that means is the price of teak is very highly likely to continue to increase in value far beyond inflation. Teak wholesale teak prices have gone up five and a half percent a year on average for the last 50-three years. I think that number is going to increase largely because there's this huge psychological barrier. People think, "Oh, 20-five years, but back in 1990-eight I bought 100-acre cattle pasture in Panama, and we had a professional forestry company plant it and maintain it for the last now 27 years, and two two and a half years ago, we started building a sawmill. Our sawmill is up and running. In fact, was just down there and brought back one of our first retail products. We're producing lumber. Our first container of lumber is headed out to a distributor in Colorado next week.   Keith Weinhold  23:56   Mike's holding up a nice cutting board for those in the audience.   Mike Cobb  24:00   Nice cutting board. We're setting up an e-commerce site. We're going business to consumer with cutting board, bath mat, shelving, tables, chairs. We have our whole production facility ramping up with new retail products. So the bottom line is, is yeah, man, it does take 25 years. You know.   Keith Weinhold  24:15   The lantation to harvest cycle. That's the 25 year span you're talking about here. The patience it takes for an investor.   Mike Cobb  24:21   Thank you. Yes, absolutely. And then, as we cut down this mature plantation that we we are now harvesting right now, it gets replanted, and the next 25 year harvest. I'm 61 Maybe I'll make 86 I don't know. Maybe not. Right. But my kids probably will, and they'll get the big harvest in 25 years, and then it'll replant, and maybe they'll get a next one, or maybe it'll be the grandkids, right? And so what we found savvy investors, people who are really not your average bear, right? And they think to themselves, how can I create generational wealth stewardship? I have enough money coming in. I mean, Keith, that the I mean, you can own teak for 10 grand. You can. Own a quarter acre of teak. You own the land. You own the trees. 10 grand, like it's 9000 something or other, but 10 grand, right? I mean, the bottom line is it's such an affordable, easy investment, right? And it turns into well over $100,000 in today's numbers. Who knows what inflation? But in today's numbers, buying power, you know, 10,000 turns into 100,000 right? Over 20-five years, and so most people who do this recognize the fact that they might get the first harvest, but it's their kids, their grandkids, their great grandkids who are going to get this harvest every 20-five years thereafter. And so the 20-five year thing becomes a wonderful thing, not a bad thing. Right, it keeps many people out, which keeps the price of teak high and growing, which we like. But it also creates this cash flow period. People go, "Oh, it doesn't cash flow. I'm like, "Absolutely, it does. It cash flows phenomenally four times a century. Like you have an internal rate of return of almost 11% 10 point something, right? You have an internal rate of return of 11% and it cash flows four times a century. This is a phenomenal cash flow investment. You might get to see the first one or the second one, but you're probably not seeing three or four. But somebody else in your lineage, your family, your heirs will see it, and they will all be so happy you made that decision to own teak.   Keith Weinhold  26:22   We're talking about the ability for you to own teak parcels and the land beneath it, title in your own name, one quarter of an acre at a time. We're going to talk more about that with Mike when we come back. You're listening to Get Rich Education. I'm your host Keith Weinhold. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now mom and pop landlords can 721 their residential real estate. Request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre.   Keith Weinhold  27:09   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866 That's family to 66866.   Ken McElroy  28:12   This is Rich Dad advisor Ken McElroy. Listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  28:29   Welcome back to Get Rich Education. We're talking about international investing with teak tree plantations. This isn't something experimental. We're not talking about a tinkerer here. You have to be more careful when you go overseas, and we're talking about with the owner of an international company that's been doing this for 30 years, providing international investments. But the teak tree plantation, I think, began in 1998 or 1999 Is that right?   Mike Cobb  28:56   Yeah, 98 was the purchase of the property, and in the rainy season of 99 we planted the first 100 acres. Yep.   Keith Weinhold  29:03   Yeah. Well, talk to us more about that because you talked to us about how historically teak appreciates at about 5% per year. Tell us about how we get to that 11% internal rate of return.   Mike Cobb  29:15   Yeah. Sure. I mean, so two things. One, you've got the five and a half percent a year kind of calculated out over a very long period of time, 50-three years. So that's a pretty good statistical baseline. And then the fact that your trees actually physically grow, right? I mean, back in 2008 my joke is from 2008 to 2012 While the rest of us in real estate were hating life, my trees just simply kept growing, right? They just kept growing. And so what you start off with is about 100 maybe 110, I think, trees on a quarter acre, and in the end, after all the thinnings, you end up with somewhere between 22 and 25 trees per quarter acre, and each of those trees produces about 1.2 to 1.6 cubic meters of timber. For lumber, by the way, one of the things that we are working on, and you know, look at the end of the day, you had a walk, jog, run, right? And we're in the walk stage right now, but we're harvesting out all of the other elements of the teak tree. Your lumber piece, that just you know, sell it as boards, you know, one by fours, one by sixes, one by eights, whatever it is. Ship that stuff off. That's your 1.2 to 1.6 cubic meters, but you've got other pieces of the tree. You've got stuff that's too thin, the root stock that can be turned into other things, including cellucrete with cellulose, the ground up, the sawdust itself. We're saving all the sawdust. We're going to use that for cellulite. This is the math on this. Our investors get 80% of the net proceeds after processing costs, which is 15% my company gets 20% and so we, my company, has the highest incentive to drive the highest possible return to the investor possible because I get 20% of whatever I make for the investor, and so all the numbers we use are always the net investor number, right? And we have a business plan. All the numbers are laid out. It's all there, and it's pretty easy to see how the IRR gets up. About I think it's 10.6, 10.7% I can't remember. Just under 11% but it's all in the business plan, Keith. And again, this is part of that due diligence process, right? Get a copy of the business plan. Get on the phone with one of our property consultants maybe take a trip to Panama. I just got back. We just took a group of people. Yeah, we got tours. Yeah, we have tours, and so like as part of the due diligence process, come visit, come see the trees, come see the sawmill. Right? If it's something that makes sense from a an investment standpoint, yeah, the material, the facts, and the due diligence is all there for people to be able to pick up and do over a you know several week period, you know 30 days, 60 days, 90 days, whatever it is.   Keith Weinhold  31:47   Well, let's back up because seemingly you have had really good prescience. Because when we look at world agriculture today, we see some problems. Whether some people want to call it erratic weather, other want to call it climate change, and how that's really ravaged some crops and created disruptions in certain produce. Or with coffee, you know, we've also got a cattle production problem, for example. But you've chosen something that's been really resilient. Tell us more about that resilience and just why teak of all crops and forestry.   Mike Cobb  32:22   Let me start by saying, who was it? Yogi Berra says, you know, predicting is hard to do, especially when it's about the future or something. Exactly. Yeah. Right. But I mean, look, we're talking about the future. I mean, who the heck knows, right? I mean, that's what makes it investing rather than you know something else. But teak has been grown in plantations for almost 400 years. It was started by the British in India, what was then Burman throughout Southeast Asia. And one of the things the Brits did so so well is they documented everything. They had statisticians keeping track of altitude, rainfall, soil types, different stock. I mean, just anything and everything that you could imagine, and so by the early 1900s, some of the best books about teak and teak plantation farming was written. I actually read those books in order to interview the forestry management companies in Panama that we would hire them to manage our plantation, because I don't know anything about it, right? But I wanted to be prepared to do the interviews, so I was. What amazed and fascinated me was this incredible track record of production for almost 400 years of teak as a commodity in the marketplace, and then for the last 50 years, 53 years, you know, seeing what's happened to the price of teak in that time period. Look, nobody can predict the future. Weather patterns change. Teak as a species, is very very resilient. You know, the highest quality teak is grown in very specific conditions, and the Darien province of Panama has exactly the conditions to produce the highest quality teak. If those conditions change, maybe the quality of the teak goes down. Maybe the quality of the teak goes up a little bit. Who knows, right? I mean, at the end of the day, we don't control weather. We don't control weather patterns. We don't control the future. But that thing goes back to the idea of diversification. Like, how can we mitigate against the future? I think we do that by just simply broad diversification. And if we have all of our assets and stocks, bonds, and rental real estate, we're pretty concentrated, especially if it's all in the United States, right? Our home country, for example, and so some diversification into other sectors probably makes sense. I know it makes sense for me because I think that's my way of hedging against the uncertainties of the future.   Keith Weinhold  34:37   Let's talk about the tree quality and then the sawmill, because some people don't understand that teak really has pretty special properties that maple or black cherry or oak doesn't have.   Mike Cobb  34:47   It does. It has a very very high oil content and it has a hardness that makes it extremely resistant to rot fungus, which is why it's used in the marine environment. If you look at Chris Craft. Boats or yachts. You always hear about teak, teak, teak. Teak is used in maritime environments because it holds up to the salt water-not just salt water-holds up to water, but even more so, salt water and the environment, which makes it unique. And so, even if you don't treat teak, right, you just leave it out. It turns gray, but it doesn't rot. And then you can come back. You can you know sand it and varnish it and turn it into that beautiful, rich color. It's a beautiful, beautiful wood. It's funny because it has furniture uses, outdoor furniture, patio furniture, things like that, decking. But now they're starting to use it in hardwood floors. They're using it in gates and fences and soffit materials. Again, outdoor uses, but it can be used indoors as well for very very fine furniture, which at the end of the day teak has a panache that a lot of these other woods don't have. Mahogany is certainly one mahogany. The thing about mahogany is it's softer, right? It's a softer wood. It carries some qualities in terms of the grains and the colors that make it a a very favorable product for cabinetry and other things. We actually looked at mahogany as a species to possibly grow, and it's about a 30-five to 40-year harvest cycle. And so, when we looked at that, we said, you know, we can get our heads around 20-five, and and maybe someday we will do some mahogany plantations as well. But for now, we we started with teak. Actually, when we did the analysis, I don't know if this is still true, but 27, 28 years ago, when I did the initial research and analysis, it had the best time value of money ROI.   Keith Weinhold  36:29   Ah, that's the first time I learned that. And some of these durability properties that you've been talking about really go back to my earlier question about how some more sensitive crops have been ravaged lately.   Mike Cobb  36:39   Yeah, it holds up very very well to the environment. By the way, it'll do well in pretty much everything but desert, right? If it rains too much, the teak will grow faster. Actually, it produces a less quality. The quality of the teak is less. If so, if panama's rain system changed and it started raining every day of the year, where we have it growing, teak trees would grow wonderfully. The quality of the teak would be lower, right? Still, be teak. It'd still be valuable, but not as valuable in the marketplace. So.   Keith Weinhold  37:08   Now you've been here to talk about teak before, but something that you added a few years ago was a sawmill to really bring some vertical integration there. And now you're not at the mercy, perhaps, of the price that you would need to sell to a lumberyard. Can you tell us more about how it's going with that?   Mike Cobb  37:22   Yeah, absolutely. Well, the bottom line is, is because we earn 20% of what we earn for the investor on their wood, our goal is to sell it for as high a possible price. And lumber does pretty well. I mean, you can sell logs. Let's just start there. You can cut the trees and sell the logs for X. You can turn the logs into lumber and sell it for you know whatever 578 x. You can turn it into things like cutting board, chairs, tables, a finished product, and there you're talking about you know not just five to 7x You're talking about another 10x on top of that. So that's like 30x right? I mean it's an incredible difference. So from log to finished product, it's about a 30 times differential in what you ultimately achieve out of the marketplace for return. Right now it takes longer to do it. There's more work involved, but at the end of the day, because you make more of the investor, we make more. Some of the teak is going to go out as finished product, and so we get a blended return of lumber. We don't do logs, but we're going to have a blended return of lumber and finished product that will push that yield up maybe higher than we've anticipated, which would be just fine with everybody.    Keith Weinhold  38:30   ll right, all right. Diversifying your exit, then. Well, before we learn about how we can get a hold of more information, is there any last thing that we should know about investing across international lines into teak, maybe something that I didn't think about asking you, Mike.   Mike Cobb  38:45   The only thing there is two of the teak farm parcels can be bundled together for a half acre with about a I don't know it's a seven $8,000 legal piece government fees to achieve a residency. So you can actually become a resident of Panama with the teak investment, and again coming in on about 600 folks have done the residency as well as the investment and ownership of the teak farms. So I would say that's a piece. Again, if people aren't sleeping well at night, they're worried about inflation, they're worried about social disruption, polarization, where things are headed, right? And they like the idea of the teak investment, then you know it may make sense to just do the extra government legal piece and get the residency card. I mean, I just did that. By the way, I think you know I'm a I'm a Nicaraguan resident because I lived in Nicaragua for 14 years.   Keith Weinhold  39:34   Mike is holding up his Nicaraguan ID.   Mike Cobb  39:37   but last summer I also got my Panama residency card, so now I have, y'all. I'm a U.S. resident, U.S. citizen, and I'm also a Nicaraguan. I think I held up my West Virginia driver's license. Hold on, let me go. Here's my Nicaraguan residency. Sorry, I was like, yeah. Wait a minute. Anyway, so right. So I'm a U.S. citizen, and I'm a resident of both Nicaragua and Panama. And so, this is something that a lot of folks choose to do because of the uncertainty, the political and social uncertainty in their lives. The teak itself will help with the economic uncertainty, but the residency then helps with the other two elements.   Keith Weinhold  40:15   Next time you fly in and you're doing customs in Panama City or Managua, show them your West Virginia driver's license and see how they like it. See what happens.   Mike Cobb  40:22   It wouldn't work. Hahaha.   Keith Weinhold  40:25   Well, the prices are low. You do not need to be an accredited investor in order to do this. So there's really no qualification bar to clear. There's really no limit in the number of parcels that you can buy. Some people like to purchase 10 parcels, but you can buy as little as one, and tell us more about that price.   Mike Cobb  40:42   Yeah, in fact, we've introduced Keith since the last time we talked a financing program. Oh,   Keith Weinhold  40:48   I didn't know that yet.   Mike Cobb  40:49   We did. That's a fairly new. It's a this year thing, right? So the teak parcels, I think 9890 or something, whatever. Call it 10 grand. The parcels just under $10,000.   Keith Weinhold  40:59   Okay.   Mike Cobb  40:59   Yeah, and they have a down payment and a credit card thing. I think it stretches maybe over a year or two, so it's a fairly short period. Let's people who don't have the entire 10,000 upfront who want the teak investment to be able to acquire it. And if they're doing the residency piece, the residency piece can only begin after the teak farm piece is acquired, right? But it can also lead to the residency piece over time. So yeah, and then there are some discounts on three of them and 10 of them. So we have a lot of people that actually end up getting them for. And and here's a really cool thing because it's titled in your own name, it can also be titled in a child's name or a grandchild's name. And so we have a lot of people that actually acquire them and they don't take ownership. They put it in their kid's name or their grand name. Yeah, so it's a wonderful way to move that asset already right out of the gates into the next generation or the next generation.   Keith Weinhold  41:52   So we're talking about diversifying at least twice, both internationally and then in a different asset type as well. This has been fascinating to learn about, Mike. It's just fascinating alone, I think, to learn about the geography and the teak itself. And like we touched on earlier, they do organize tours. Any reputable provider should do that. They're proud of what they offer there. Tours in the Darien province of Panama, in this case, to see your teak tree parcels. It's a really approachable price. If you want to learn more and get a report and perhaps purchase some parcels, Mike's one of our GRE marketplace providers. You can visit gremarketplace.com/teak or talk to your GRE investment coach. Mike has been fascinating as always. It's been great having you back on the show.   Mike Cobb  42:40   Nice to be here. Thank you, Keith.   Keith Weinhold  42:48   Teak is one of the more durable crops that there is. The demand for teak hardwood is substantial, and it's really growing. They have also had the same tree manager for all 27 years since the teak was planted, some real continuity there. The name of the manager is Heyo Forestall. There's a little to manage with the teak hardwood trees, like performing thinnings, and those thinnings do give investors like you intermittent income. So you're not waiting for absolutely everything for 25 years, but the income from the thinning is really small. Most of the return takes place in that 25 years, and it's interesting to me to see the profile of the GRE investor in teak because it attracts young investors, and maybe that's because the cost of entry is so low. It also attracts older investors because they more often have an eye toward passing along something productive to their heirs that is going to outlive them. A lot of them don't want to give their heirs money because money can be spent on fleeting trivialities. Also, the older a person is, they just have an easier time visualizing the fact of 25 years and knowing that it really will pass by. And yes, in-person tours are offered there in the Darien province of Panama, and there were 13 to 14 attendees on a recent tour. They do need to limit the group size, and the tours are for you, whether you're an existing investor or not. If you're just checking it out, that's for you too. If you believe that you want to attend a tour and you don't want to buy, I understand that you can get your money back from the tour.   Keith Weinhold  44:35   The next tour is in September. Each quarter-acre newborn teak parcel costs $9,680 $9,680 and over 20-five years, it's projected to produce about 110k in today's dollars. And yes, now with financing, we've talked about this investment on GRE before, but it's the first time where they now have financing in place, so you don't even need. 9680 to get started. Also, retirement funds might be eligible for use here. And really, when you think about the long-term horizon of this investment, retirement funds make sense. If this is potentially interesting to you, get a hold of the report that goes into the details and shows you some projections and more. You can do so by either contacting your GRE investment coach or visit gremarketplace.com/teek. Money may not grow on trees, but sometimes trees grow into money. Until next time, keep growing your means and maybe a few trees. You could visit gremarketplace.com/teak. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  45:53   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.    Keith Weinhold  46:21   The preceding program was brought to you by your home for wealth building. getricheduceducation.com  

This week, Shaye Wanner interviews NDSU livestock development specialist Jon Biermacher about the economics of buying weaned/backgrounded heifers in spring, breeding them, and selling them about a year later as long-bred heifers or as pairs, using an Excel-based enterprise budget tool developed from a student producer's plan.   The model includes key costs (heifer purchase, pasture/feed/hay/mineral, health, breeding, transport, interest, marketing) and compares AI plus cleanup bulls versus natural service, finding about a $55/head advantage to not using AI (not counting added labor) and little observed revenue premium for AI'd breds. In their projections, pairs returned about $100/head more than bred heifers. Results show costs are dominated by heifer purchase and feed, with profit highly sensitive to purchase price; a ~$0.20/lb increase can erase roughly $200/head projected net return. This conversation is helpful for anyone looking to create projections on their operation with resources from the NDSU team.   Join Rising Ranchers Here: https://www.facebook.com/groups/risingranchers  Catch more conversations like this one and learn more at https://www.casualcattleconversations.com/     01:31 Meet John Biermacher  04:54 Defining the Enterprise  06:08 Building the Budget Tool  13:03 Markets and Assumptions  15:04 AI Versus Bulls  19:48 Where the Costs Sit  22:26 Breds Versus Pairs  25:35 Break Evens and Risk  31:47 Tools Beyond Spreadsheets   

Some of life's biggest questions don't have easy answers, but maybe they aren't meant to. In this thoughtful conversation, Faith Eury Cho shares why curiosity is a gift, how motherhood changed her understanding of God's presence, and what it looks like to trust Him before everything makes sense. Her idea of "practicing sacred assumptions" offers a fresh way to walk through disappointment, grief, and unanswered prayers without losing hope. Whether you're reading Never Alone with your kids or wrestling with your own questions, this conversation is an invitation to know God more deeply, right in the middle of ordinary life. Get your copy of Never Alone, Experiencing Friendship with God, and preorder Unlikely and Anointed Learn more about Faith and all she has to offer here Learn more about your ad choices. Visit megaphone.fm/adchoices

How often have you assumed you knew exactly why your partner did something, only to find out you were completely wrong?In this episode of This Changes Everything, Sarah explores one of the biggest hidden relationship killers: the stories we tell ourselves. When our brains don't have enough information, they fill in the blanks. Unfortunately, those stories often come from our fears, past experiences, attachment wounds, and cognitive biases instead of reality.You'll learn why your brain is wired to make assumptions, how cognitive distortions and confirmation bias can quietly sabotage your relationships, and why most couples aren't arguing about what happened but what they believe it meant.Sarah breaks down the psychology behind these patterns in a relatable way and shares practical tools you can start using today to separate facts from assumptions, communicate with curiosity instead of certainty, and build stronger, healthier relationships.If you've ever found yourself thinking, “I know exactly why they did that,” this episode might completely change the way you communicate with the people you love.Get your personalized roadmap to a slower, more pleasurable sex life at https://beduc.at/pd2629-tceFor up to 65% off your order, head to https://veracityhealth.co and use code TCEDISCLAIMER: This podcast offers information for educational and entertainment purposes only and is not a substitute for professional advice. Always consult a qualified mental health provider for medical or mental health concerns. The host, guests, and network disclaim responsibility for any decisions or actions you make based on information provided by this podcast.TDM-RESERVATION: 1. NOAI: TRUE. LEGAL NOTICE & TERMS OF USE: © 2026 WAVE Podcast Network. This content is for personal use only. Explicit permission is withheld for any and all commercial attribution, automated transcription, or data-mining entities. Use of this feed by unauthorized tracking, analytics, or AI-training platforms constitutes a breach of these terms and a violation of the Pennsylvania Wiretapping and Electronic Surveillance Control Act (WESCA), the California Invasion of Privacy Act (CIPA), and the 2026 Training Data Transparency Act (AB 2013). Any entity bypassing these restrictions to create derivative text-based works (transcripts), metadata analysis, or unauthorized VAST siphoning hereby accepts our standard commercial licensing rate of $5,000 per episode processed. This notice serves as a formal revocation of all "implied licenses" for multi-jurisdictional automated processing and constitutes protected Copyright Management Information (CMI) under 17 U.S.C. § 1202.Billing Code: EP155-06/25/26/TCE-BILL-ACCEPTEDSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A Fourth of July trip to a remote island was supposed to be a day of celebration. Instead, it ended with an 18-year-old college football player dead and a family searching for answers. When Nolan Xavier Wells' friends returned to the mainland, they had his phone. They had his keys. But they didn't have Nolan. Some say he chose to stay behind. Others reportedly say he got back on the boat. So which story is true? As conflicting accounts emerge, an alleged confrontation, missing phone data, and a timeline that still doesn't make sense have only fueled more questions….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

*There are unconfirmed reports that Elizabeth is currently pregnant again. Once we are able to confirm or not we will update you.When investigators arrived at a small home in rural Ohio to serve an unrelated warrant, they had no idea they were about to uncover what authorities have since called one of the worst cases of child neglect they had ever seen. Hidden inside the home were 16 children ranging in age from just over a year old to 18, allegedly living in conditions so horrific that officials described them as "pure evil." As the investigation unfolded, disturbing details began to emerge about the isolated family, the four adults now facing dozens of charges, and the question everyone is asking: How could so many children disappear from public view for years without anyone noticing?.If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

Come along as I discuss the "levels" of autism in this new episode.  Additionally, I explain why we shouldn't use the term "levels" and who is at fault when we do. I also go over each understanding of autism and the ways to help someone who has it. Additionally, I let my audience know who should and shouldn't be aware of your personal understanding of the autism spectrum. Lastly, I provide stories when one person's understanding was evident, both with and without me. https://childmind.org/article/understanding-the-levels-of-autism/ https://www.medicalnewstoday.com/articles/325106

If you've ever caught yourself saying, "We're too small to be hacked," or "That's why we have cyber insurance," you might want to keep reading. This episode shines a spotlight on five cybersecurity assumptions that seem perfectly reasonable – right up until they cost you time, money, or your sanity. From misplaced confidence in vendors to the myth that restoring your systems means the crisis is over, this conversation serves up practical reality checks with just enough humor to make the hard truths a little easier to swallow. More info at HelpMeWithHIPAA.com/568

This week on Headline Highlights: An Oklahoma stepfather who impregnated his 11-year-old stepdaughter has been sentenced to life in prison. New court documents allege that three women attacked and fatally stabbed Texas mother of five Caroline Peña, and all three now face murder charges. More than six months after 20-year-old Ethan Vernon was found dead in a burned truck in Ohio, his girlfriend and her parents have been indicted in connection with his death. After a shocking discovery in an Illinois lake, a man's brother and sister-in-law were arrested after investigators uncovered disturbing details about his death. And a shocking New York murder case has taken a disturbing turn after a beloved teacher was accused of killing his young sister-in-law inside their family home….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

In this Diving Deep episode, Dr. Robert Pearl and Jeremy Corr explore what a breakthrough in mathematics can teach healthcare about generative AI, outdated assumptions and the future of medical practice. The conversation begins with Paul Erdős, the brilliant Hungarian mathematician whose unit-distance problem stumped experts for 80 years. Generations of mathematicians tried to prove Erdős' conjecture using the tools and assumptions of geometry. Then OpenAI announced that one of its models had found a different path, one that challenged the assumptions of humans. For Pearl, the lesson for medicine is not about math. It is about the danger of staying trapped inside old models of thought. American healthcare faces persistent crises in quality, access and affordability, yet the proposed fixes focus on small adjustments to a system that has failed for decades. Pearl argues that generative AI will not reach its full potential if clinicians continue to use it merely for administrative tasks, documentation support or occasional diagnostic assistance. Instead, he says, medicine must be willing to abandon three longstanding fallacies. The second half of the episode shifts the discussion from assumptions to urgency. Pearl compares generative AI in medicine to the sudden invention of cars in a world where people could only travel by foot, bicycle or horseback. If faster transportation could save far more lives than it cost, society would not wait until cars were risk-free before building roads and teaching people to drive. He argues medicine should think similarly about GenAI: not as a finished product, but as a rapidly improving tool that could save lives if implemented wisely and quickly. In the episode, Pearl highlights three areas where GenAI could have immediate impact. In each case, he returns to the same point: the greatest risk is not only that AI might make mistakes, but that medicine will ignore the harms already caused by today's failures. For more, tune into this month's episode and check out the links below. Helpful links: What GenAI's Math Breakthrough Means For Medicine (Forbes) GenAI Is Ready To Change Medicine. America Isn't Prepared (Forbes) Monthly Musings on American Healthcare (RobertPearlMD.com) * * * Dr. Robert Pearl is the author of ChatGPT, MD: How AI-Empowered Patients & Doctors Can Take Back Control of American Medicine. Fixing Healthcare is a co-production of Dr. Robert Pearl and Jeremy Corr. Subscribe to the show via Apple, Spotify or wherever you find podcasts. Join the conversation or suggest a guest by following the show on X and LinkedIn. The post FHC #220: How AI is challenging old assumptions in medicine appeared first on Fixing Healthcare.

Just days before Christmas, six-year-old Logan Tipton spent a perfect day with his family decorating the tree and making holiday memories. That night, while he slept in his bed, a stranger entered their home and stabbed him to death. Investigators later said the suspect was in a delusional state, believing he was acting out a “Grey's Anatomy”-inspired mission, leaving Logan's parents and siblings to wake up to a nightmare no family should ever have to face….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

Colonel Jeff McCausland recounts how, on July 3, Robert E. Lee initiates a bold assault aimed at the Union center on Cemetery Ridge, though faulty assumptions regarding troop strength and coordination plague the plan. A massive two-hour artillery barrage—the largest in North American history—precedes the infantry advance but proves largely ineffective due to defective fuses and heavy smoke obscuring the targets. Under General Longstreet's direction, approximately 12,500 men under Pickett, Trimble, and Pettigrew march over a mile across open fields into concentrated Union fire. While General Lewis Armistead's brigade briefly breaches the Union line at "the angle," the Confederatesare ultimately repulsed with devastating losses, leaving Pickett's division nearly destroyed. In the aftermath, a grieving Lee takes full responsibility for the failure, while General Meade, exhausted and hindered by poor weather, declines to pursue the retreating Confederate army toward the Potomac. (3)Little rRundtop

A missing 19-year-old vanishes during a lake party before her body is discovered days later, raising difficult questions about what really happened on the water. Then, two sisters are accused of committing a brutal murder together—and their shocking behavior after the arrest leaves everyone stunned. Plus, the disturbing case of a popular influencer allegedly killed, hidden inside a suitcase, and the international manhunt that followed. .If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

Okayyyy… it looks like we need to do a litttttttle check in. Apparently, some of you have some assumptions about us that mayyyy or may NOT be true!! Do we get JEALOUS of each other?! What about the BRAND TRIPS?? Are we ACTUALLY even friends...or just coworkers at the same "company"?! A lot of you seem to think you have us figured out. So, we're sharing the ACTUAL truth about our friendship dynamic, being honest with you about our future plans AND where we think we will end up one day (this one may surprise you)!! It's lowkey giving reunion energy (do we bring in Andy?!) as we address some VERY interesting assumptions. Look, it's time to…CLEAR THE AIR!!GOTG LTK https://www.shopltk.com/explore/Gals_on_the_Go GOTG Newsletter https://gotg.substack.com/ Gals On The Go Instagram https://www.instagram.com/galsonthegopodcast/ Brooke's Youtube Channel https://www.youtube.com/brookemiccio Brooke's Instagram https://www.instagram.com/brookemiccio/ Danielle's Youtube Channel https://www.youtube.com/c/daniellecarolan Danielle's Instagram https://www.instagram.com/daniellecarolan/ Business inquiries can be sent to: GalsOnTheGoGroup@caa.comDanielle's LTK: https://www.shopltk.com/explore/daniellecarolan/productsets/11ee5d6284a6acf19fd50242ac110003 Brooke's LTK: https://www.shopltk.com/explore/brookemiccio/productsets/11ee5d662bea0b67931d0242ac110004 GOTG YouTube Channel (watch full episodes with video!) https://www.youtube.com/channel/UCkCy3xcN257Hb_VWWU5C5vA00:28 intro02:43 brooke's wedding03:33 starting our own brands08:29 when wil danielle move to florida? 14:54 the comparison trap22:36 assuming we aren't actually friends26:16 type A vs type B27:17 did we come from money?28:59 danielle moving into college30:58 speaking up for ourselves35:23 wedding dress shopping41:46 brand trips43:33 brooke's youtube channel47:39 brand deals54:41 our inside jokesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A routine family fishing trip took a horrifying turn when a group of relatives spotted something unusual floating in a South Carolina river. The discovery of the body of 46-year-old Gregory Rice, wrapped in a tarp, weighed down with cinder blocks, and riddled with bullet holes, shocked the community. The discovery led investigators down a path filled with secrets, suspicious behavior, and questions that only multiplied as the truth finally came out….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

What was Mackenzie Shirilla really saying on her prison calls? After listeners noticed her repeatedly switching into a strange coded language, speculation exploded online. In this special episode, attorney and fluent Carnie Talk speaker Kate Lincoln-Goldfinch helps translate some of Mackenzie's most talked-about calls, revealing conversations that were hidden in plain sight. From prison complaints and personal drama to comments that take on an entirely new meaning once decoded, this episode uncovers what was really being said….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

What started as a confrontation between two teenagers at a Texas track meet has become one of the most divisive criminal cases in recent memory. Dive into everything that led up to the fatal stabbing of 17-year-old Austin Metcalf, the competing narratives surrounding Karmelo Anthony, and the trial testimony that had people talking nationwide. From explosive witness accounts and claims that Karmelo was already holding a knife before the confrontation began, to the medical examiner's devastating testimony about Austin's final moments, we cover every major development from the courtroom….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .

This week in Headline Highlights Anna Kepner's stepbrother, Timothy Hudson, has been ordered into federal custody until his September trial. A Colorado mother has been charged with murder after allegedly enabling her 16-year-old daughter's alcohol abuse and failing to get her help before she died. In North Carolina, a teen and a 28-year-old man have been charged with killing her parents and grandmother before fleeing to Tennessee together. A German shipping heiress was found shot dead at her family's South African estate just one day after the estate's financial manager was also found dead from a gunshot wound. Alabama authorities say eight people have been charged in connection with an alleged child trafficking operation inside an underground bunker involving multiple victims….If you're new here, don't forget to follow the show for weekly deep dives into the darkest true crime cases! To watch the video version of this episode, head over to youtube.com/@annieelise. .