Podcasts about Central America

A Navy veteran was convicted of a felony after refusing to wear a face mask while observing ballot counting during the 2024 election. Tim Hazelo says the conviction caused him to lose his security clearance and his defense contracting job. He is appealing the conviction while also running for the state House in Washington's 10th Legislative District. Steve Cortes joins to discuss his new documentary which argues political leadership and government mismanagement drove both the Pacific Palisades wildfire and the stalled rebuild. Joe Winston, CEO of NET Recovery, speaks on the FDA-cleared neurostimulation device that he says can manage opioid withdrawal symptoms without pharmaceuticals. Steve Cortes is a former 25-year Wall Street bond trader and has appeared on Fox News, CNN, and CNBC, and led Hispanic voter outreach for the Trump campaign. His new documentary is “Palisades Fire: Newsom's Nightmare.” Follow at https://x.com/cortessteve Tim Hazelo is a retired U.S. Navy veteran whose service spanned Desert Shield/Desert Storm and counter-narcotics missions across South and Central America. Now a defense contractor training combat aircrews at NAS Whidbey Island, he has also served two terms as Chair of the Island County Republican Party and is now its State Committeeman. Follow at https://x.com/TNTT_Hazelo Joe Winston is the founder and CEO of NET Recovery, maker of a non-invasive neurostimulation device for opioid withdrawal and addiction recovery. He holds an MS in Engineering from the University of Pennsylvania and a BEng from Johns Hopkins. Learn more at https://relief.netrecovery.net/ 「 SUPPORT OUR SPONSORS 」 • FATTY15 – The future of essential fatty acids is here! Strengthen your cells against age-related breakdown with Fatty15. Get 15% off a 90-day Starter Kit Subscription at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/fatty15⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • PALEOVALLEY - "Paleovalley has a wide variety of extraordinary products that are both healthful and delicious,” says Dr. Drew. "I am a huge fan of this brand and know you'll love it too!” Get 15% off your first order at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/paleovalley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • THE WELLNESS COMPANY - Counteract harmful spike proteins with TWC's Signature Series Spike Support Formula containing nattokinase and selenium. Learn more about TWC's supplements at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twc.health/drew⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • CHAPTER - For free and unbiased Medicare help, dial (218) 521-2472 to speak with my trusted partner, Chapter, or go to ⁠⁠⁠⁠⁠https://askchapter.org/drdrew⁠⁠⁠⁠⁠ Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. 「 ABOUT THE SHOW 」 This show is for entertainment and/or informational purposes only, and is not a substitute for medical advice, diagnosis, or treatment. Executive Producers • Kaleb Nation - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://kalebnation.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • Susan Pinsky - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/firstladyoflove⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Content Producer • Emily Barsh - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/emilytvproducer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

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 on Birds of a Feather Talk Together, we're joined by ornithologist David Vander Pluym to explore a fascinating bird from Central America and South America: the Slate-throated Redstart—also known as the Slate-throated Whitestart.David is a graduate student at the Louisiana State University Museum of Natural Science whose research focuses on bird ecology and migration. Before beginning graduate school, he spent years studying birds along the Colorado River in Arizona and California, and he now researches the remarkable altitudinal migration of the Slate-throated Redstart.Together, we discuss why this colorful bird may now be called the Slate-throated Whitestart, what scientists have learned about its behavior and habitat, and how birds can migrate not just across continents, but up and down mountains in response to changing seasons.Field Museum ornithologists and Curators of Birds John Bates and Shannon Hackett join RJ Pole and Amanda Pole for a fascinating conversation about tropical birds, mountain ecosystems, bird migration, evolution, bird taxonomy, and ornithological research.We also catch up with David about this year's Birds of a Feather March Madness Bird Tournament. As one of the LSU graduate students who helped vote throughout the competition, he shares his thoughts on one of the tournament's biggest fan favorites—the Club-winged Manakin—and his opinion might surprise you.Whether you're interested in bird migration, tropical birds, ornithology, bird evolution, scientific research, or discovering beautiful species you've never heard of, this episode is packed with fascinating bird science and unforgettable stories from the field.If you love birding, birdwatching, bird behavior, tropical birds, migration, ornithology, wildlife science, bird evolution, and nature podcasts, this is an episode you won't want to miss.Here are links to our social and YouTube pages, give us a follow:YouTube InstagramTikTokBlueSky

pWotD Episode 3365: FIFA Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 101,698 views on Sunday, 19 July 2026 our article of the day is FIFA.The Fédération Internationale de Football Association (FIFA) is an international self-regulatory governing body of association football, beach soccer, and futsal. It was founded on 21 May 1904 to oversee international competition among the national associations of Belgium, Denmark, France, Germany, the Netherlands, Spain, Sweden, and Switzerland. Headquartered in Zurich, Switzerland, its membership now comprises 211 national associations. These national associations must also be members of one of the six regional confederations: CAF (Africa), AFC (Asia), UEFA (Europe), CONCACAF (North and Central America and the Caribbean), OFC (Oceania), and CONMEBOL (South America). FIFA has several objectives in its organisational statutes, including growing the game internationally, ensuring it is accessible to everyone, and advocating for integrity and fair play. It is responsible for organising and promoting association football's major international tournaments, notably the World Cup which began in 1930, and the Women's World Cup which commenced in 1991. FIFA is a member of the International Football Association Board, which is responsible for the laws of the game, and FIFA applies and enforces the rules across its competitions. FIFA tournaments generate revenue from sponsorships; in 2022, FIFA had revenues of over US$5.8 billion, ending the 2019–2022 cycle with a net positive of $1.2 billion, and cash reserves of over $3.9 billion.This recording reflects the Wikipedia text as of 04:00 UTC on Monday, 20 July 2026.For the full current version of the article, see FIFA on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Joanna.

Rove Adds Qantas Transfer Partner | 50% Transfer Bonus, Qantas Sweet Spots & July 2026 Rove Update Justin Vacula of the Hurdy Gurdy Travel Podcast welcomes Carissa Rawson from Rove to discuss Rove's July 2026 update, including the addition of Qantas Frequent Flyer as Rove's new transfer partner. Rove now offers 1:1 transfers to Qantas, along with a limited-time 50% transfer bonus through August 14, 2026. Carissa explains how Rove Miles work as a flexible travel rewards currency that does not require a credit card. She highlights Rove's hotel booking platform, high hotel earning multipliers, shopping portal, Chrome extension, 13,000+ online merchants, instant miles on prepaid and non-refundable hotel bookings, and ways to earn through Rove events and meetups. Justin and Carissa also discuss potential Qantas sweet spots, including distance-based award pricing, low-cost domestic U.S. awards, Caribbean and Central America options, Tahiti flights, and the possibility of booking Emirates First Class through Qantas, including important status-related restrictions and booking considerations. Timestamps 00:00 Podcast Intro Theme 00:32 Welcome And Guest Setup 01:08 Qantas Partner Bonus 01:36 What Is Rove? 02:33 Earning Miles And Meetups 03:26 Qantas Sweet Spots 04:39 Emirates First Class Access 06:53 Frontier And Other Partners 08:40 How Partnerships Happen 10:17 Uzbekistan Team Retreat 11:35 Sponsor Announcements Break 13:38 App And Status Roadmap 15:07 Popular Partners And Europe 16:53 Underused Award Search Tool 18:45 Beyond Points And Miles Crowd 20:24 Dave Ramsey Credit Debate 23:30 Where To Find Rove 24:38 Closing And Outro Theme —

The Strait of Hormuz is capturing headlines again as conflict between the United States and Iran escalates. Some commercial operators are reportedly refusing passage even with military escorts because crews and shipowners do not believe the risk can be managed. But viewing Hormuz as an isolated crisis misses the larger trend. Commercial shipping is increasingly becoming a weapon of war, economic coercion, and political leverage across multiple regions.We have seen attacks and interference in the Gulf of Aden, the Black Sea, the Sea of Azov, the Baltic Sea, and around strategic infrastructure in Central America. Ships are large, slow, visible, expensive targets. A relatively inexpensive drone or guided munition can damage a vessel worth tens of millions of dollars, disrupt its cargo, increase insurance costs, and discourage every other shipowner from entering the area.The ship does not need to sink for the attack to succeed.--------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

As Mercy Otis Warren in her "Rise, Progress, and Termination of the American Revolution" reminds us, not all of the battlefields of the American Revolution were in America. Although the conflict began in Massachusetts, it soon spread across the globe, with armies and navies fighting in North America, the Caribbean, Europe, India, Africa, and Central America. The struggle for American independence became part of a worldwide contest among the great powers, one whose outcome would reshape the modern world.In the next episode of the Revolution 250 Podcast, Executive Director Jonathan Lane welcomes historian and author Derek Baxter to discuss his acclaimed book, The Forgotten World War:  Exploring the Secret History of the American Revolution from Spain to India and Back Again.  Together, they explore how the American Revolution needs to be seen and understood as a world war, and why viewing the Revolution through a global lens reveals a conflict that extended far beyond Lexington, Concord, and Yorktown.Buy the Book! https://a.co/d/0hAHhvQhTell us what you think! Send us a text message!

July 12, 2026The US is in the grip of an outbreak of the Cyclospora parasite, which is no longer being tracked by the CDC, The Foodborne Diseases Active Surveillance Network had monitored 8 pathogens for 30 years, but it now monitors only two, The New World screwworm continues to spread in the US and Central America, with infestations spreading rapidly in numerous animals, The Trump administration held up funding for a facility crucial to slowing the spread as well as a research initiative to find ways to stop the pest, In Iran, the MOU signed by Trump in June formalized Iran's power over the Strait of Hormuz, Soldiers who survived the Iranian attack on Port Shuaiba in Kuwait allege that the generals in command ignored intelligence that the site was a probable target, Wounded soldiers were not admitted to the hospital and soldiers and their families say the Army downplayed their injuries, Senator Lindsey Graham of South Carolina died over the weekend, A former critic of Trump, he became a staunch supporter.Watch today's recording here: https://www.youtube.com/live/g9TUa1Rwd6U?si=T8_KKcHQZElhpnZ-Get full, free access to Letters from an American here: https://heathercoxrichardson.substack.com/subscribeYou can also find me:Bluesky: https://bsky.app/profile/hcrichardson.bsky.socialInstagram: https://www.instagram.com/heathercoxrichardson/?hl=enFacebook: https://www.facebook.com/heathercoxrichardson/YouTube: https://www.youtube.com/@heathercoxrichardson Get full access to Letters from an American at heathercoxrichardson.substack.com/subscribe

Today, Justin sits down with Michael Walsh. Mike served in the US Navy for more than twenty-six years, most of it spent as a SEAL. He completed five tours of duty in Vietnam, including working on the Phoenix Program, running agents and targeting Viet Cong infrastructure. He also participated in the invasion of Grenada and was involved in Panama during the rein of Manuel Noriega. Mike spent years operating throughout Central and South America, Europe, and the Middle East. He's here discuss his career and the lessons he learned along the way, which he wrote about in his autobiography, first published in 1994. Connect with Mike: Check out the book, SEAL!: From Vietnam's Phoenix Program to Central America's Drug Wars, here. https://a.co/d/05Al9E8g Connect with Spycraft 101: Get Justin's latest book, Murder, Intrigue, and Conspiracy: Stories from the Cold War and Beyond, here. spycraft101.com IG: @spycraft101 Shop: shop.spycraft101.com Substack: spycraft101.substack.com Patreon: Spycraft 101 Find Justin's first book, Spyshots: Volume One, here. Check out Justin's second book, Covert Arms, here. Download the free eBook, The Clandestine Operative's Sidearm of Choice, here. Kruschiki The best surplus military goods delivered right to your door. Use code SPYCRAFT101 for 10% off! https://kruschiki.com/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Yes, this is a NEW episode! Thanks to Eesa, Grace, and Viki for their suggestions this week. (Actual episode starts at 3 minutes 28 seconds.) Find the Backerkit campaign here! Further reading: Nix Illlustration: Esconichthys The southern hognose snake [picture by Caudatejake – Own work, CC BY-SA 4.0]: A beach wolf spider [photo by Memer15151 – Own work, CC BY-SA 4.0]: Oviraptor may have looked kind of like this when alive [art by PaleoNeolitic – Own work, CC BY 4.0]: Two halves of an esconichthys fossil: Show transcript: Welcome to Strange Animals Podcast. I'm your host, Kate Shaw. Oh, hi! This is a brand new episode, earlier than I expected! I noticed recently that one of the Patreon episodes I'd scheduled for September is one that I'd already run in the main feed a few years ago. I decided to just make a new episode for this week and move the episode that would have run this week to that September slot, because I have an announcement! For our five-year anniversary I published the book Beyond Bigfoot & Nessie: Lesser-Known Mystery Animals from Around the World, with a lot of the entries taken from episodes but also some new topics added. I always intended to do a follow-up for our ten-year anniversary, and have even done a lot of work on it. It's called Small Mysteries, focusing on smaller mystery animals that don't get a lot of attention. It's about half the length of Beyond Bigfoot, all or almost all chapters taken from the podcast. But at this point, I don't think I have time to finish it. I'm staying very busy and happy, with a part-time job taking care of people's pets while they're on vacation, and I'm also writing fiction again. But since that book is half-done, and a lot of people might want a copy even if I don't add much more to it, I'm going to make it available as an ebook only. Do you remember last time I made a crowdfunding campaign, and the people who backed the campaign got a copy of the book as soon as it was published? I'm doing that again, but NOT for Small Mysteries. It's for a different book, called The Moonhound, a cozy fantasy set in an alternate reality Smoky Mountains. The main character is a rabbit who moves to the mountains and meets a possum, and they have adventures. Even if this doesn't interest you, there's a $1 backer tier and if you click that, you have the option to add the Small Mysteries ebook for $2. That means the book is $3. Does that make sense? I feel like it's confusing. The campaign starts on July 15, 2026 and runs through August 15, 2026. If you're listening to the episode before July 15, 2026, you can click through the link in the show notes and follow the campaign, so that you get an email when it goes live. If it's between July 15 and August 15, 2026, click the link in the show notes and there's the campaign! If it's after August 15, 2026, see if there's a link in the show notes that will take you to a place where you can buy the ebook. Okay, that took way too long, so let's get to this week's episode! We have some suggestions that have come in recently, so we'll cover a few of those animals, and we'll finish up with a small fossil mystery in honor of the book. Thanks to Eesa, Grace, and Viki for their suggestions! A quick shout-out to Remy and Julien, and Dylan, Emily, and Michelle for their suggestions too. I'll get to those in the 500th episode that will run at the end of August. We'll start with Viki's suggestion, the hognose snake. The name hognose is used for various species of snake, most of them in North and South America, but some in Madagascar. It's a common snake in many parts of North America, so since we talked about the eastern hognose back in episode 81, let's talk about the southern hognose in this episode. It's found along the coastal plain of the southeastern United States, including parts of North and South Carolina, Georgia, and northern Florida, and because it has a restricted range where people like to live too, it's vulnerable to habitat loss. It used to live in other states too but its range has shrunk considerably since it was first described in 1766. The southern hognose grows about two feet long, or 61 cm, and like other hognose snakes, its nose turns up like a little pig's snout. The shape of its nose actually may help it dig into leaf litter and dirt to hide. Some individuals are brown or gray, some are red or yellowish. It has darker blotches on its upper side and adults have white bellies. It has a big head that makes some people believe it's venomous, but it's actually harmless to humans and most animals. The only animals that really need to worry about the hognose are amphibians, like toads, frogs, and salamanders, although it will also eat lizards, small mammals like mice, and even large insects. It especially likes to eat toads, and while some toads are toxic, the hognose snake is resistant to toad toxins. A toad will frequently puff itself up to make it appear larger and make it hard for a snake to swallow, but the hognose has a solution for that too. It has big teeth at the rear of its upper jaws, like fangs in the back of its mouth. It uses those teeth to puncture puffed-up toads so they deflate, just like a horrible balloon. But the most memorable thing about the hognose is what it does when it feels threatened. Phase one is aggression. The snake will flatten its neck to look more threatening, raise its head like a cobra, and hiss and strike—but without biting. It's just trying to scare you away. If that doesn't work, the snake puts phase two into effect. It will flop down and roll onto its back like it's dead, its tongue hanging out of its mouth. It even emits a foul musky smell from its cloaca. If you call its bluff and roll drama queen snake onto its belly, it will turn onto its back again, because it's really insistent that it's dead. Since we've already scared away a lot of people who don't like snakes, let's learn about a spider next. Grace suggested we talk about the wolf spider, and also wonders if wolf spiders live in northern California. Wolf spiders are common throughout the world, and while they look scary, they bite people very rarely and their venom is weak, no worse than a bee sting. The wolf spider with the biggest legspan is Hogna ingens, with a legspan less than 5 inches across, or 12 cm. It lives on one island in the Maderia archipelago, and is a beautiful soft gray with white stripes on the legs. The Carolina wolf spider is the most common one found in North America. A big female can have a legspan of four inches, or 10 cm, but its body is not much more than an inch long, or 35 mm, and the spider actually weighs less than an ounce. That's barely 28 grams, or just a little heavier than five sheets of printer paper. The wolf spider is a hunting spider, mostly solitary, and most species don't spin webs. When a female lays her eggs, she attaches the egg case to the underside of her abdomen so she can take them with her while she hunts insects. When the eggs hatch, the teensy babies ride around on the top of her abdomen for a few weeks until they're big enough to not need their mother's protection. Some species of wolf spider will dig a burrow to rest in, and will jump out and grab any insect that happens by, while other species of wolf spider rest in rock crevices and other small spaces. Males are smaller than females and often have flashier patterns. The Carolina wolf spider is mainly gray or brown with darker and lighter longitudinal stripes down the head and body. Most species of wolf spider won't come into your house, but if you do have a wolf spider in your house, you should actually consider yourself lucky. They love to eat cockroaches and ants, which are house pests. The wolf spider hunts mostly by sight and has good vision, and its eyes will even demonstrate eyeshine of various colors, depending on species, if you shine a flashlight around in the dark. Maybe don't do that if you're afraid of spiders. And yes, there are wolf spiders in northern California, because there are wolf spiders in just about every part of the world except for Antarctica! Northern California actually has at least six species of wolf spider. One species does actually build a web, and there's even a species that lives on the beach. That's the beach wolf spider, which is a pale sandy color with darker and lighter stripes to help it blend in with sand and pebbles. It's quite small but it moves really fast, and it's mostly nocturnal. It lives not just in northern California but throughout beaches in North and Central America. Next, Eesa sent a list of suggested animals, including oviraptor. I could have sworn we already covered oviraptor, but we haven't! It's a really interesting dinosaur, so let's take a look now. Oviraptor is a name that means “egg thief,” and it got this name because it was found near fossilized eggs. It lived in what is now Asia about 75 million years ago, and the first specimen was found in Mongolia (still my favorite country) back in 1923. The partial specimen was found lying across a nest of dinosaur eggs. When the dinosaur was described in 1924, it was given the name egg thief because the paleontologist Henry Fairfield Osborn assumed it died while robbing a nest to eat the eggs. But even Osborn wrote that he might be wrong about the dinosaur, and in the 1990s new discoveries of oviraptor nesting sites proved this was the case. Oviraptor wasn't stealing eggs, it was protecting them, because they were its own eggs. It probably actually ate fruit, seeds, and other plant material, along with small animals like lizards. Oviraptor was a small dinosaur that was a little more than six feet long, or about 2 meters, and was the height of a medium to large dog. It walked on its hind legs. It had feathers on its arms and tail, and probably also had feathers over much of its body. It didn't have teeth but it did have a beak that would have probablylooked a lot like a parrot's beak. Its arms had three small claws but probably looked a lot like a wing in many ways, although scientists don't think oviraptor could fly. In other words, oviraptor probably looked a lot like a big, weird chicken, and like a chicken and many other birds, scientists think it sat on its eggs to keep them warm. When a bird incubates its eggs, it's not like you dropping down to sit on a chair. The bird's feet are typically on either side of the eggs, and the bird squats down carefully so that its underside makes gentle contact with the eggs without crushing them. Female chickens and many other birds have a spot on the lower breast that doesn't have any feathers, called a brood patch, which contains extra blood vessels just under the skin. This helps keep the eggs warm and is a soft part of the hen's body, which helps cushion the eggs. We don't know, but it's possible oviraptor had something similar to a brood patch, and its feathered arms and tail also helped protect the eggs from cold air and rain. We now have numerous specimens that died while sitting on nests, probably buried in sandstorms, so we know that oviraptor basically brooded its nest the way modern birds do. Finally, let's finish with our small mystery fossil. It's called Esconichthys apopyris and it lived about 308 million years ago in what is now the state of Illinois in North America. 308 million years ago, Illinois was a tropical area and partly covered by a warm, shallow sea. In a particular place known as the Mazon Creek formation, for a few million years conditions were just right to preserve dead animals and plants in astounding detail. A river carried dead plant materials and mud into an estuary along the ocean's edge, where it sank and settled to the bottom of the sea floor. When an animal died, if it wasn't eaten by something else, its body sank into this soft muddy mess. The bacteria in the mud produced carbon dioxide that combined with iron also present in the mud, which formed a mineral called siderite. This mineral encased the dead animal and slowed decay long enough for a detailed impression of the body to form in the mud. As the centuries passed and the mud became stone, the fossilized body impression was surrounded by a protective ironstone nodule. That's why we know about the soft-bodied animals from the area, even though soft-bodied animals rarely leave fossil evidence. Mazon Creek is where the Tully monster lived, which we talked about in episode 339, but the Tully monster isn't the only mystery animal discovered there. Another one was Esconichthys. We have lots of Esconichthys fossils, partly because it seems to have been extremely common, but also because it was a vertebrate. That means it had a notochord, a type of backbone. Most of the fossils we have are body impressions, so we do know a lot about what Esconichthys looked like when it was alive. What we don't know is what it actually was. Esconichthys was named for the Earth Science Club of Northern Illinois, ESCONI, and the latter half of its name means fish. But it doesn't actually seem to have been a fish, even a larval fish. It grew up to about 3 inches long, or 8 cm, and had a pair of very obvious eyes, two pairs of feathery external gills, and a single fin on the underside of its tail. It didn't have legs or any other fins. Some individuals had wide-set eyes, others had eyes that are close together, which may indicate two separate species, but we don't know. Esconichthys fossils are sometimes referred to as ghosts, because the limbless body with two dots for eyes does kind of look like a cartoon ghost. Other people call Esconichthys fossils grasshoppers or blades. This is because the animal's gills were quite long and are often preserved pointing away from the rest of the body, or sometimes the rear of the body is folded upward. This can make it look roughly like a grasshopper or a pocket knife with one blade unfolded. Esconichthys has been proposed as a larval lungfish or a larval amphibian, but it doesn't really match either animal group. It's the most common fossil found at the Mazon Creek formation by far, preserved in amazing detail, but scientists still have no idea what it is or what it might be related to. You can find Strange Animals Podcast at strangeanimalspodcast.blubrry.net. That's blueberry without any E's. Thanks for listening!

The following article of the AI Cloud & Data industry is: “AI Agents: The New Frontier for Banking, Insurance, and Business” by Hector Cobo, Regional Vice President Mexico, Caribbean, and Central America, SAS.

Annalouiza Armendariz has a deep understanding of grief and mourning that enriches her ability to provide compassionate and culturally respectful guidance through the challenges of loss and transition. Her diverse expertise encompasses herbalism, traditional healing practices from Mexico and Central America, Reiki, and spiritual coaching. Fluent in both Spanish and English, she also serves as an Advance Care Directive planner, combining her skills to facilitate dignified approaches to death. For more information, please visit: endoflifeconvos.substack.comPlease rate us on Apple and/or Spotify and subscribe to our YouTube channel This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit mikeyopp.substack.com/subscribe

This conversation with Bev Stohl, author of “Chomsky and Me,” takes you inside Noam Chomsky's office and daily life in a way few people have ever seen. Drawing on nearly 25 years as Chomsky's assistant at MIT, Bev shares intimate, funny, and moving stories about his work habits, his chaotic “checkerboard” office, his deep kindness toward ordinary people, and the emotional toll of spending a lifetime confronting war, propaganda, and injustice. Along the way we talk about Chomsky's impact on linguistics, cognitive science, and radical politics, why he was shut out of mainstream media for telling the truth, and how he managed to keep going “by action, by moving” instead of being overwhelmed by despair. The episode is also a love letter to the broader ecosystem of radical thinkers and organizers around Chomsky: Howard Zinn and the emotional power of his memorial, civil rights legend Dorie Ladner, union lawyer and Central America activist Dan Kovalik, and the many students, filmmakers, and musicians who passed through that cramped MIT office. Bev's memoir and stories show Chomsky not as an abstract icon but as a complicated, sometimes awkward, always deeply principled human being—and highlight her own role using humor, care, and good judgment to keep him grounded.   About Bev Stohl Bev Stohl is a writer, former MIT administrator, and longtime personal assistant to Noam Chomsky, whose memoir Chomsky and Me chronicles their quarter century working relationship. She came to Chomsky's office from other administrative roles at MIT—including graduate programs in economics and ocean engineering—while completing her master's degree in psychology, expecting an easier job and instead finding herself at the center of Chomsky's intellectual and political life. Over the years she managed his chaotic schedule, coordinated visits from students, activists, and documentary crews, and became a kind of social buffer and comic counterweight to his intense focus and often somber work. Beyond the Chomsky memoir, Bev has written extensively on wider political questions on Substack, has experience doing stand-up comedy, and recently completed an audiobook edition of Chomsky and Me with a Spanish translation forthcoming. Order the book: https://orbooks.com/catalog/chomsky-and-me/ Bev's substack: https://substack.com/@bevstohl Mentioned articles: I'm no longer waiting for the storm to pass (Bev Stohl): https://substack.com/home/post/p-190768008 “Ensnared” and “Manipulated” (Valéria Chomsky): https://www.counterpunch.org/2026/02/09/ensnared-and-manipulated-official-statement-by-valeria-chomsky-regarding-jeffrey-epstein/ Cross-Examining The Tabloid Left Show Trial of Chomsky w/ Rameez Rahman (Tara Van Duik): https://morbidsymptom.substack.com/p/cross-examining-the-tabloid-left   Greg's Blog: http://zzs-blg.blogspot.com/ Pat's Substack: https://patcummings.substack.com/  #chomskyandme#memoir#bevstohl#BevBoisseauStohl#progressivepoliticspodcast#ValériaChomsky#CarolChomsky#howardzinn#normanfinkelstein#chrishedges#alanmacleod#vijahprashad#christianparenti#jefferyepstein#dankovalik#mitlinguistics#mediapropaganda#manufacturingconsent#antiwarmovement#PatCummings#PatrickCummings#GregGodels#ZZBlog#ComingFromLeftField#Podcast#zzblog#mltoday

Stranded in the Nicaraguan jungle beside an ancient temple, three adventurers and their companions discover its priests serve a horror that's all too real — man-sized vampire bats with an appetite for human blood."Temple of Vampires," an installment of Carlton E. Morse's I Love a Mystery (originally aired January 02-27, 1950), follows adventurers Jack, Doc, and Reggie as they fly toward Central America with heiress Sonny Richards and a mysterious stowaway boy named Hermie. Water-tainted gasoline forces their plane down on the shore of Lake Nicaragua, near an ancient jungle temple. Exploring it, they find a blood-drained Indian corpse and a pit of human bones, then encounter the temple's inhabitants — a beautiful priestess named Angelina and a priest named Manuel — who claim to be servants of "sacred vampires," giant man-sized bats bred over generations for human sacrifice. Angelina fixates on carrying off Hermie for his pale skin, while Manuel abducts Sonny with designs of his own. Trapped by nightfall and a tropical storm, the comrades face a harrowing ordeal of rope-swings between dizzying high ledges, captures, and near-sacrifices as they fight to get everyone out of the temple alive.Look for this podcast on Apple Podcasts, Spotify, iHeart Radio, Amazon Music, Pandora, TuneIn Radio, and other podcast apps. Get a list of free listening apps here: https://weirddarkness.tiny.us/OTRCHAPTERS & TIME STAMPS (All Times Approximate)…00:00:00.000 = Show Open00:01:30.028 = I Love a Mystery, “Temple of Vampires – Part 01”00:18:09.039 = I Love a Mystery, “Temple of Vampires – Part 02”00:30:24.993 = I Love a Mystery, “Temple of Vampires – Part 03”00:42:29.450 = I Love a Mystery, “Temple of Vampires – Part 04”00:54:51.162 = I Love a Mystery, “Temple of Vampires – Part 05” 01:08:25.386 = I Love a Mystery, “Temple of Vampires – Part 06”01:20:09.836 = I Love a Mystery, “Temple of Vampires – Part 07”01:32:02.555 = I Love a Mystery, “Temple of Vampires – Part 08”01:46:00.195 = I Love a Mystery, “Temple of Vampires – Part 09”01:59:57.396 = I Love a Mystery, “Temple of Vampires – Part 10”02:12:07.077 = I Love a Mystery, “Temple of Vampires – Part 11”02:23:02.698 = I Love a Mystery, “Temple of Vampires – Part 12”02:35:06.736 = I Love a Mystery, “Temple of Vampires – Part 13”02:48:27.963 = I Love a Mystery, “Temple of Vampires – Part 14”03:01:52.639 = I Love a Mystery, “Temple of Vampires – Part 15”03:14:12.994 = I Love a Mystery, “Temple of Vampires – Part 16”03:32:42.168 = I Love a Mystery, “Temple of Vampires – Part 17”03:38:57.971 = I Love a Mystery, “Temple of Vampires – Part 18”03:51:41.050 = I Love a Mystery, “Temple of Vampires – Part 19”04:05:39.729 = I Love a Mystery, “Temple of Vampires – Part 20”04:19:53.687 = Show Close(ADU) = Air Date Unknown(LQ) = Low Quality***WD = Remastered, edited, or cleaned up by Weird Darkness to make the episode more listenable. Audio may not be pristine, but it will be better than the original file which may have been unusable or more difficult to hear without editing.CUSTOM WEBPAGE: https://weirddarkness.com/WDRR0711

Disease pressure is back in the dairy market conversation. New World screwworm has moved into the U.S. Avian flu is still lingering in dairy herds. Foot-and-mouth disease is also back in the conversation after a recent Dutton Ranch storyline raised questions about what an outbreak would mean for U.S. cattle and dairy. So, we got together the experts and asked: is U.S. dairy ready? Listen to the episode. Listen here. Also available on: Amazon Music Apple Podcasts Spotify YouTube In this episode: In The Milk Check episode 101, host Ted Jacoby III is joined by Jamie Jonker, chief science officer and vice president of sustainability and scientific affairs for the National Milk Producers Federation, and Sarina Sharp, market analyst for the Daily Dairy Report and Risk Manager at Ag Business Solutions. We break down what these disease risks mean for dairy cattle, milk production, farm-level disruption and market economics. We cover: How screwworm could disrupt individual dairy farms Why the closed border with Mexico is changing feeder cattle flows, beef prices and dairy farm economics Where avian flu stands today, and why current cases are not affecting dairy like they did in 2024 Why foot-and-mouth disease remains a low-risk, high-consequence threat for U.S. livestock Get up to speed on what animal health risks mean for milk production, dairy markets and farm-level decision-making Listen to The Milk Check episode 101: Screwworm, Bird Flu and Foot-and-Mouth Disease: Is U.S. Dairy Ready? Got questions: We'd love to hear them. Submit below, and we might answer it on the show. Ask The Milk Check TMC-Intro-final Ted Jacoby III: Coming up on the Milk Check. Sarina Sharp: The border is shut, and it doesn’t look like it will open anytime soon, so we just have this vacuum of Mexican beef cattle. Ted Jacoby III: Welcome to the Milk Check from T.C. Jacoby & Co., your complete guide to dairy markets, from the milking parlor to the supermarket shelf. I’m Ted Jacoby. Let’s dive in. Ted Jacoby III: Today we are excited to have two special guests. First, we have Jamie Jonker, chief science officer and vice president of sustainability and scientific affairs for the National Milk Producers Association, And second, we have Serena Sharp, the excellent market analyst who does our weekly market report. Serena, Jamie, thanks for joining us today. We’re excited to have you. Jamie Jonker: Thank you for having me here. I think we’re gonna have a number of things that are quite timely to talk about today. Sarina Sharp: Thanks for having me again. Ted Jacoby III: In addition to those two, we have some of our usual suspects. We have Mike Brown, our VP of dairy market intelligence. We have Jacob Menge, our VP of trading strategy and risk management. We have my brother Gus, president of the dairy fluid group. We have Josh White, our VP of dairy ingredients. And we have Tristan Suellentrop on our sales and marketing team, and Manuel Polzer, who is part of Jake’s risk management team. Guys, thanks for joining us today. So the topic we’re gonna be discussing today, there are three different diseases that have been gaining news in terms of how it might be affecting milk production and dairy cows. The first would be screwworm which has come across the border from Mexico, the second is avian flu is back. And of course, the third is Dutton Ranch recently had an episode that talked about foot-and-mouth disease on their cattle farm in Texas. And so of course, we’re getting questions about that. But we’ll start with the one that’s probably getting the most attention, and that is screwworm coming across the border from Mexico. It is now in Texas, and it is in New Mexico. Jamie, why don’t you just give us a brief background on what is screwworm, and how does it affect dairy cattle versus beef cattle? Jamie Jonker: Yeah. Great question, Ted. New World screwworm is a fly that, lays its eggs in mammals. It was eradicated from the U.S. in the mid-1960s, and by 2002, it was eradicated all the way down to what’s called the Darien Gap in Panama. That is a forested area about 50 miles wide, where there are no official roads going through it. And so that was really great news about the many decades process to get it down there. What’s happened is starting in ’23, it started creeping back up through Central America through the movement of people and people moving with their animals. Got into Mexico in ’24. Started really taking off in Mexico in ’25, and then just this past June 3rd, we had our first official case in Texas. Today there are 27 confirmed cases in the U.S. 25 in Texas. Out of those about 16 are cattle, most of those are calves castrated males. There is at least one adult cattle in that. So far, all of those are beef cattle. What happens is the New World screwworm fly lays its eggs in any open wound. And when we think about a wound, I want people to understand that can be as small as a tick bite, so it doesn’t have to be a large gash on an animal. It’s very tiny. And what is very unique about the New World screwworm larvae, and also quite devastating, is that the larvae eat live tissue of the So when the eggs start hatching, and the female lays 200 to 300, it very quickly becomes an animal health and welfare issue for that individual animal. Unlike viral and bacterial diseases though, this is not directly transmissible from one animal to another. Obviously, as the larvae mature and become flies of their own, then they can continue to spread it in that area. But unlike what we’ll talk about in a little bit, the H5N1, which was highly transmissible between cows in an individual herd, this does not necessarily transmit from animal to animal. It’s when the larvae become flies, mate, and then the next generation can lay eggs in new animals So, what happens when it gets into these animals, in particular, newborn calves are highly susceptible because of the open umbilical area, they get in there, and, if left untreated, the mortality in newborn calves can approach fifty percent. However, highly recoverable if caught early and treated. Out of those twenty-seven animals, so far that have been identified at least one actually has been euthanized because that was the right decision for that animal. Where we are today, no dairy cattle so far as of June twenty-ninth when this is being recorded. But it is growing in terms of the geography where they’re finding domestic animals in Texas that have it. It’s a growing potential risk for dairy farmers that are in the Southwest. Ted Jacoby III: Jamie, sticking with beef cattle, does the beef industry handle infected cattle with screwworm right now? Jamie Jonker: Animals that have an infestation, essentially you have to clean out the larvae, then you treat the wounds. The other thing that you do is you wanna make sure that you do prevention treatment to prevent infestation from happening in other animals. Because once you have one animal infested, there’s likely a reproducing fly population there, and so there’s a higher risk for other animals in that location. There’s a number of products that are approved for prevention purposes. And they have withdrawal times, ranging, on the beef side, withdrawal times, thirty-plus days in some cases. Some of those products are also approved for use in dairy cattle. There’s a distinction that FDA does through its emergency use authorization and conditional approval processes that typically breaks between growing cattle and lactating cattle. For FDA purposes, lactating dairy cattle are twenty months of age or older, even if they’re not lactating. There’s only one product that’s approved for prevention in lactating dairy cattle at this point in time. That’s DECTOMAX. It’s an injectable product that has a nineteen and a half day milk withdrawal period and a thirty-plus day meat withdrawal period. Ted Jacoby III: Once these cows are infected and then treated, if it’s beef cattle, for at least 30 days they couldn’t be sold to a slaughterhouse, correct? Jamie Jonker: That’s correct. And we want to encourage folks to work with their veterinarian and only use those products that have been approved through the FDA processes. Because if you’re using other products, the withdrawal period is unknown; you’re setting yourself up to potentially have a residue issue. Ted Jacoby III: And how is National Milk right now working with dairy farmers in the United States to prepare for the possibility that we will have a infected dairy cow in the U.S.? Jamie Jonker: We are pulling together resources. We actually have a resource page on our nmpf.org website. And there’s a big pop-up right, right on top for New World screwworm resources for dairy farmers. We have some of our own resources. Obviously, there are lots of people putting together really great resources. We don’t need to recreate things that are done well, so we have links to other resources. We’re also keeping a keen eye on what’s happening as we get new detections in Texas, and potentially as the summer goes on, potentially in other states as well, and working with USDA, Texas Animal Health Commission, and others on keeping preparedness top of mind. Ted Jacoby III: It sounds like if you have a cow infected with screwworm, it’s reportable, and so the U.S.DA is keeping a register of where all the cows are that have been infected. Is that true for dairy as well? Jamie Jonker: Yes. If A dairy animal is found to have an infestation , the first thing we recommend, if you see something that you think might be New World screwworm in any of your dairy animals, contact your veterinarian. Because what we wanna have is an official sample taken so that they can determine whether or not it truly is New World screwworm, because some of these larvae and some of these flies, they look pretty similar, and you just can’t tell by a quick glance at them. But we get that official determination from USDA. What that does is that triggers a response, and that response is important because it’s the response to that individual animal, it’s a response to help mitigate the risk of spread on that farm and spread in that area. And when you have one or more animals that are found to have an infestation, a 20-kilometer zone is set up around them. That’s called the infested zone. There’s strict requirements on the ability for moving animals out of that zone. Then beyond that is another 20-kilometer surveillance zone. And the Texas Animal Health Commission has a great map that shows the zones in Texas, and as they’ve had an increasing number of domestic animals found to have infestations, some of those areas are starting to merge into a pretty large geography there close to the border. Ted Jacoby III: Is my understanding correct that if a beef cattle were to get infected within a 20-mile radius of a dairy farm, you couldn’t move the cattle out of that dairy farm either? Jamie Jonker: You would be able to move the animals, but you have to move them under permit. There’s inspection of the animals to ensure that they don’t have any infestations. Depending upon where they’re moving, there could be requirements for prevention treatment. That’s not necessarily that it happens 100% of the time. If they’re moving within the state of Texas, there might be requirements that are different than if the animals are moving, say, from Texas to elsewhere. And we certainly know that a lot of dairy animals spend part of their life in Texas and move elsewhere. We saw that starting in March of 2024 with the H5N1. Ted Jacoby III: So Jamie, is there a protocol set up for exactly how the milk from a dairy cow that would be infected with screwworm is handled, and how that herd would be managed if that were to happen, and what is that protocol? Jamie Jonker: Yeah, so if you have a dairy animal that is infested, you wanna get that animal isolated. You wanna have that wound where the larvae are cleaned out and then treated. There are a couple of additional products that are approved for lactating dairy cattle for treatment of the infestation itself, so Dectomax is the only one approved for prevention purposes. There’s a topical spray and a topical gel that are approved for an animal that has an infestation. You clean it out, you treat it with that, you isolate them and then, if you’re not doing additional treatments of animals in the herd, if the determination is you’ve got an isolated case and you don’t need to do a broader prevention process, that milk from all those other animals continues to flow. You wanna make sure that you’re not incidentally transferring flies in the cab of the milk truck because that is one way that you can move these flies quite a long distance by just accidentally trapping them in your vehicle. But unless the requirement is to do a broader prevention treatment in the herd, any animal that is not treated with an animal health product, its milk is perfectly sellable, so long as they’re continuing to meet the having no residues from other antibiotics. Ted Jacoby III: So, to be clear, milk from a cow that might be infected with screwworm, the milk itself is still absolutely fine and healthy unless You’re treating the cow with a medicine to get rid of the screwworm. Jamie Jonker: An infestation is an animal health and welfare issue. It’s not a food safety issue for meat or milk. Ted Jacoby III: Do you anticipate that we are going to have issues with screwworm in dairy cattle soon? Jamie Jonker: Soon is difficult to define. I would say that we have an elevated risk that it will occur at some point in time on a facility with dairy animals, a commercial dairy facility. And I say that because New World screwworm grows well in temperatures like we’re experiencing throughout a lot of parts of the U.S. right now. It’s very cold intolerant, and if you get three or four days at twenty degrees Fahrenheit, that kills most of the flies, so that’s great. But we are just at the end of June, so we have many months yet with temperatures that are very conducive for the flies to be active. And I think the other thing is that as we look at a growing geography in Texas of where we are finding screwworm infestations in domesticated livestock we probably don’t have enough New World screwworm sterile flies being produced today to respond to that. That is why USDA has worked with Mexico in renovating a fruit fly production facility there to produce New World screwworm sterile flies. I believe it was just announced late last week. That facility is up and running and at full production capacity probably towards the end of the year. That’s another hundred million flies to complement the hundred million that are being produced at the facility in Panama. And then there was, in April of this year, the announcement of a domestic plant being built on a military base in Edinburg, Texas. The target date for that is to be November of next year to produce three hundred million flies once it’s fully operational . You’ve heard Secretary Rollins discuss they are looking at ways to move that timeline faster. But I think when you consider we started off with a hundred million in Panama, we’re gonna be another hundred million sterile flies in Mexico by the end of the year, and then another three hundred million in Texas when that is up and running. That’s a realization that this is gonna be a multi-year process, and that it’s unlikely that it’s just gonna stay in a geography near the border. So, long way of saying, yes, I think it’s probably a matter of when it gets to a dairy facility and not if. Ted Jacoby III: Serena, do you think screwworm, if and when it starts to affect dairy cows, is going to materially affect milk production in the U.S.? Sarina Sharp: I guess it depends how widespread it is, but I generally don’t think so. I think that it’s gonna be a huge headache at the very least for an individual dairy producer who has to deal with it and for his livestock. But it’s not gonna be material in terms of how many dairies in the U.S. it’s likely to impact. And especially, if you look at where the beef cattle are and the typical temperatures in those areas versus where dairy cattle are in the United States, three days of cold is very common in a lot of dairy areas. And then thirdly, a lot of the beef cattle that have it now are in ranch country. They’re not in an operation where the cattle grower is hands-on, up close with these animals every single day. And on a dairy, that’s not the case. When you are milking cows every day, and bottle-feeding calves, and checking on your heifers, that’s a very hour-to-hour interaction with your livestock, and so it’s a lot easier to contain an infestation in that environment than it is on this vast ranch country with scrub brush in the southern plains. Ted Jacoby III: That makes a lot of sense ’cause you can go days without inspecting beef cattle, but you rarely go hours without inspecting a dairy cow. Sarina Sharp: Yeah. So, when I look at the market impact of screwworm on the dairy industry, I’m not focused on milk production at this point at all. I’m looking at its impact on beef prices and how that changes economics on the dairy farm Ted Jacoby III: How do you think it’s gonna change beef prices? Sarina Sharp: It has already changed beef prices because the United States closed the border with Mexico to live mammal imports. And so, the primary way that’s impacted us is we typically take hundreds of thousands and slightly over a million Mexican feeder cattle. So, that’s young beef livestock from Mexico into the United States, feed and finish them in the United States, and then they help increase our beef cattle supplies. That border has been shut for quite a while now, and for the first months of this screwworm infestation in Mexico, when it was not in the United States and not in northern Mexico, then there was a constant hope, “All right, they’ll get this under control, and we’ll reopen the border, and those feeder cattle imports, we’ll be able to bring them in again.” The border is shut, and it doesn’t look like it will open anytime soon, so we just have this vacuum of Mexican beef cattle. That means that the U.S. dairy industry is positioned to continue to supply beef crossbred calves to the beef cattle industry. That’s beef on dairy calves. At times when we have extra heifers, which is not right now, we’ll just place true dairy animals in feedlots. The price might incentivize us to consider that, although right now they’re so valuable as dairy animals, that’s not happening, at least not at scale. And then, it impacts the dairy cull cow price as well. So, I was talking to a producer last week who sold one full truckload of dairy cull cows at an average price of $3,500 per animal. That’s just an unheard-of price in the past, and it is really adding up to a lot for dairy producers’ bottom lines. For several days here, we were looking at $15, $16 milk and $4.30 corn, and the math wasn’t working out, but when you add a beef crossbred calf check and a dairy cull cow check into that mix, things are looking a lot better when you talk to your banker. Ted Jacoby III: So, it sounds like to me that even though from a public relations standpoint this is going to be a bit of a headache and we have to make sure we get the word out of exactly how screwworm is affecting the dairy industry and how we have protocols in place and plans to make sure that it doesn’t affect the milk supply, for the dairy farmer from a cashflow perspective, at the end of the day it’s probably a positive. Sarina Sharp: It is a positive. I do want to stress that there’s no less beef in the world because of screwworm. What we’ve changed is where those animals are, and the longer that the border stays closed, the more resources that the Mexican cattle industry is gonna pour into facilities to finish the cattle that are staying there, and then also beef packing facilities so they can just process them right there. So we are not importing Mexican feeder cattle. We are importing Mexican beef. So, that’s a positive for dairy producers who are supplying young livestock. In the long run, it’s a negative for the U.S. beef industry who would love to raise those cattle here and process them here. And every day that we don’t is a day that Mexico is investing in not sending them here and sending us the finished beef. Ted Jacoby III: That makes a lot of sense. Jamie Jonker: I think the one thing I would add is I don’t think there’s gonna be a milk disruption issue. But at an individual farm level, it could be very disruptive. So nationally, you probably won’t really notice much, but at an individual farm level, depending on what happens, it could be very disruptive. In contrast to H5N1, which was really a big issue in so many different places. This is something that is gonna be at the individual farm level. Ted Jacoby III: Do dairy farmers have insurance for events like this? Sarina Sharp: So I know that with H5N1, you were able to file for some insurance protection related to your lost milk revenue, and you also registered that as an event for your dairy RP. I imagine that if you’re not gonna lose milk production at scale, that it’s not insurable Ted Jacoby III: That makes sense. ​ Ted Jacoby III: Everybody, we will be right back after these messages. Diego Carvallo: I’m Diego Carballo with T.C. Jacoby & Co.. T.C. Jacoby & Co. specializes in international dairy markets. For new customers that haven’t done business with Jacoby, I would tell them that we can provide them with many of the powders, dairy products that they consume, not only with the physical product, but we can also help them mitigate their risk. We know dairy. We know the main players. We know the main providers for the whole value chain. We are one of the strongest players in the U.S. market because we have contact all the way from the farmer moving the liquid milk all the way to the end users that buy the end products. I am Diego Carballo with T.C. Jacoby & Co., and we bring dairy to the world. Ted Jacoby III: Jamie, where are we at with avian flu? Is it affecting the dairy industry as badly this year as two years ago, and how do you expect it to play out this year? Jamie Jonker: It is not affecting the dairy sector like it was in 2024. In 2024, there were 917 dairy farms officially identified as having H5N1 on their farms, probably some more that were not officially listed. Last year, in ’25 was only 171, and so far this year, halfway through the year, only 64. So, we’re seeing a downward trend but what we are seeing here is some lingering issues with H5N1 on dairy farms this year. There have been two dairy farms in Texas, three in Utah, and the remaining fifty-nine are all in Idaho. And based upon my conversations with USDA for the farms where they have the genotyping done, these are all B3.13 strains (HPAI H5N1 clade 2.3.4.4b, genotype B3.13) so far, so no new spillover events. It’s a circulating one. And they are all related to a lineage of B3.13 that are circulating in Idaho. And so, it’s still kinda hanging out there. When I look at it, it’s not gonna have the big impact on overall milk production. When I say big, I think when we looked at 2024, it’s probably about a 1% reduction in production. That’s not huge but not inconsequential. Unless there was movement of this to places where there hasn’t been virus before. And you can think about large production areas around the Midwest into the Northeast where there hasn’t been this virus before. And so, that’s the risk, is that this virus moves to places where we haven’t had it before. And that’s why I think it’s important that we do our best to see if we can eliminate this B3.13 strain entirely from the U.S. dairy cattle population because the only reason we picked up the three spillover events with the D1.1 strain is because we had the mandatory surveillance. Based upon my discussions with folks that some of those herds and veterinarians that are dealing with those herds, if you weren’t testing for it, you probably wouldn’t have known that you had an outbreak of bird flu in your cattle. Unlike this B3.13, which was just so devastating, most herds that got it, ten to twenty percent of their herd had very severe clinical symptoms . And, you could see starting in September of ’24 into January, February of ’25, what it did on milk production in California. California had over seven hundred dairy farms in those months that, that were impacted by it. Ted Jacoby III: So if I’m hearing you correctly, this strain is far milder than the strain that affected us in 2024, and as a result it’s unlikely to have a major effect on milk production. Jamie Jonker: This is the same strain as 2024 that has affected the vast majority of those dairy farms. But right now, it’s occurring In places where that strain has already probably impacted most of these dairy farms in some capacity. And so, when they’re getting it in their farms, they’re being picked up as part of the mandatory surveillance process. And they’re not getting that big outbreak in a two-week period where ten to twenty percent of the herd needs to be in a hospital. Ted Jacoby III: Is some of the reason why it’s having less of an effect because, like with human viruses over time, cows build up immunity to it and just don’t get as sick the second, third time they might get sick with the same virus? Jamie Jonker: That appears to be part of that process. In most of our farms, we’re turning over, a quarter to a third of our animals every year, so you have a new naive population coming in. And some of these farms, what they’re really experiencing are they’re just constantly bringing in new naive animals, and they get like a rolling infection. But you’re not having 10% to 20% of the herd all at once. Ted Jacoby III: Thanks, Jamie. Now let’s move on to the last subject we had: foot-and-mouth disease. Jamie, what is the status of foot-and-mouth disease in the United States today? Jamie Jonker: Hollywood likes to glamorize things and I’m happy to say it’s been nearly 100 years since we’ve had a foot-and-mouth disease outbreak in the U.S., and I sure hope that we don’t have one in my lifetime, it can be quite devastating. But no FMD in the U.S. since an outbreak in California in the late 1920s. And importantly, there’s a lot of work that’s being done on preparation in case of an outbreak . Back in the 2018 Farm Bill, dairy, beef and swine lobbied really hard to modernize our U.S. FMD vaccine bank. And there was a significant amount of new monies that were put into that, and that has been modernized. We have the secure food supply plans, including the secure milk supply and secure beef supply plans, and secure swine supply plans that are in place to help us deal with how we continue continuity of business if an outbreak occurs in the U.S. And ,so we’re much better planned today than we were even ten years ago. That being said, FMD is a risk. We see that it moves around a lot more than we would like it to in other areas of the world. And the example that I’m gonna give, there’s seven different serotypes of FMD, and a whole bunch of subtypes. There’s one called South African type. That is typically a Sub-Saharan African type and has been quite devastating in South Africa over these past two years. In 2023, they had an outbreak of SAT 1 Type 1 in the African horn that moved into Middle East in 2025 and through the end of 2025 into 2026, an SAT Type III actually broke out starting in Asia, moving into India and China. And although not officially listed, probably also into Russia. And so it’s moved into places where they routinely vaccinate for FMD but they don’t vaccinate for this serotype. And unfortunately, the vaccines that they use do not have cross protection for the SAT types, and so it’s been a really big issue in those areas. And it’s a demonstration of how quickly animal diseases can move these days. It’s very much on my radar and of concern to me about how quickly they move. Obviously, we have several oceans on both sides of us that help keep some things at bay. But boy, there’s a lot of flights that come into the U.S. from places where FMD is every day. And we have ships that are coming to container ports that come from those areas as well. It’s not a zero risk. I would say it’s a very low risk. But we wanna make sure we keep it on our radar that we continue to be prepared. It’s better to be prepared for something that doesn’t happen than be unprepared and have an outbreak . I have fire insurance on my house not because I want a fire to happen. I have it just in case, and I hope I never use it. Ted Jacoby III: Why do you think the U.S. has been so much more successful than, let’s say, Europe at staying FMD free? Jamie Jonker: I think part of it is that bit of geographic isolation. The vast majority of the Western Hemisphere is free of foot-and-mouth disease. There may be some in Venezuela, but their political issues over the past decade, their instability , their reporting of disease has been a bit spotty, so it wouldn’t surprise me if they still had a little bit circulating there . But everywhere else in South America, including Brazil, Argentina, Uruguay, Paraguay those places have all gotten rid of FMD, and they’ve done it through vaccination campaigns and culling. Essentially eliminating it from the Western Hemisphere, our risk is much lower than Europe, which has direct geographic connections to places where it’s endemic. Ted Jacoby III: That makes a lot of sense. Serena, I’ve got one last question for you. What is the thing that keeps you and your family’s farms what keeps you guys up at night in terms of a disease or an outbreak in the U.S.? Sarina Sharp: Foot-and-mouth disease would be terrible, but it doesn’t feel like that’s imminent. I think that another round of avian influenza feels much more likely to have a devastating impact on an individual dairy. It’s not something that’s keeping us up at night every night, but it is something that when you hear, “Yep, there’s 50-plus cases in Idaho,” it feels could happen right here, kind of no matter where in the US right here is. So I think that one is forefront of dairy producers’ minds. But I just don’t think that disease pressure is keeping dairy producers up at night in the way that it did in 2024 when it was a mysterious virus. We were trying to figure out how to treat it. We weren’t sure how it was spreading, and the impact on animal health was so severe. And it feels to me like how we treat the flu and, to a lesser extent, COVID today compared to how we did in 2020. I think that’s how dairy producers generally feel about disease pressure in general today. I don’t want myself or my kids to get COVID or the flu, and we sure don’t want avian influenza on any of our farms Ted Jacoby III: I’d have to agree with that sentiment. This is what I’ve heard today. I’ve heard that screwworm, we are well prepared to deal with it if it does get on a U.S. dairy, but in general, it’s not something we’re terribly worried about affecting milk production in the United States. Avian flu is something maybe we’re a little bit more worried about affecting milk production, but the strain that’s out there today is one that’s been out there before, and we seem pretty well prepared for it. And foot-and-mouth disease is not in the United States, and we’ve got a lot of protocols in place to really keep it at bay, and we’re in a pretty good place in terms of making sure that foot-and-mouth disease stays away from this country. Jamie, hey, thank you very much for joining us today. I really appreciate it. I learned a lot today, and thank you so much for your time. Jamie Jonker: Yeah. Thank you for having me. Ted Jacoby III: Thanks, guys. Thanks, Serena. Thanks, guys. Jamie Jonker: Thank you. Thank Sarah Olson: you, Serena. Jamie, thank Jamie Jonker: you. Yes, see you. Bye, guys. Ted Jacoby III: Coming up next time. Scott Briggs: Yeah, the US is really in a great position to drive global dairy markets over the next five to 10 years. Ted Jacoby III: Tune in next time when we have Scott Briggs from Bridgescape Commodities joining us, talking about milk production on the global scale and how the US is positioned to be competitive against the major global exporters moving forward

We made it to Day 90! Today we're winding down after an incredible weekend at the van life meetup here in Canada. It's been a whirlwind of catching up with old friends like Lance, meeting new faces in the community, and even a little competitive tetherball (Frankie is still claiming the crown, even with the knee surgery!).The first day of these events is always high-energy and a bit draining, but as things settle in, there's nothing like the bonding that happens over a potluck or a rainy morning in the van. We're spending today cleaning up the rig, reflecting on the amazing conversations we had about traveling through Mexico and Central America, and talking about what the future holds for Frankie N Alex.A huge thank you to Jamie and Lisa from Van Life Community Canada for putting on such an intimate and meaningful event. It's moments like these—seeing you all on the road and hearing that you're following our journey—that make this 365-day challenge so rewarding.In this video:Post-event van deep clean and organization.Reflecting on the community and the "first day" exhaustion.Future plans and where we're headed next.Day 90 milestone check-in!Support the Journey: This month we raised $1,000 for the South Coast Humane Society (where we found Paco!). Stay tuned for our next community poll to help us choose the next charity we'll be supporting.About the 365 Day Challenge: We're posting a 20-minute, raw, unedited vlog every single day for a year. No filters, no edits—just our real life on the road.Thanks for being part of the FNA Life family!#VanLife #TravelCanada #FrankieAndAlex #DailyVlog #Community #Minimalism #Day90 Start on Day 1 if you are new here: https://youtu.be/_ydNTMUxuOA We're Frankie and Alex. Five years full-time van life, now part-time nomads travelling internationally with a toddler and a business. 100% of what this channel earns in donations goes to charity. Every single dollar. New episode every day. Start with Day 1 if you're new here.

IMI Pro David Lincoln argues the region that investors once dismissed now offers the rarest asset in investment migration: Livability. In this video, we walk through his analysis of the top 7 investor visas from Central America to the Southern Cone.Read the full analysis here.Access a suite of powerful tools and the world's #1 private investor community as an IMI Sovereign. Use code SOV10 for 10% off your first month.

On our latest show (#1,097 July 5): New research on how birds find their way; audio postcards from California and Central America; and Mike's colorful commentary about baby birds.

Advertising SponsorThis episode is brought to you by Map It Forward Podcast Advertising. Interested in advertising on this podcast? Email support@mapitforward.org to learn more.Episode DescriptionThis is Part 5 of a 5-part solo series on The Daily Coffee Pro Podcast by Map It Forward, with founder and host Lee Safar.Climate change is often discussed as a problem for coffee producers. But the reality is that every business in the coffee supply chain depends on the health, productivity and resilience of coffee farms. When climate changes production, it changes availability. When availability changes, the effects ripple through exporters, importers, roasters, cafés and, ultimately, consumers.In this final episode, Lee explores why understanding harvest cycles has become an essential business skill for anyone working in coffee. She explains how different coffee-producing countries move through the harvest calendar, why no two origins experience the same growing conditions, and why understanding what's happening at origin can help businesses make better purchasing and planning decisions.Lee also examines the potential impact of a forecast Super El Niño and why it deserves the attention of the entire coffee industry. From Brazil and Vietnam to Colombia, Central America and East Africa, different producing regions are likely to experience different challenges. Because coffee is a perennial crop, today's weather events don't simply affect this year's harvest. They can influence flowering, tree health, productivity and coffee quality for years to come.This episode concludes the series by bringing together everything discussed over the previous four episodes. Liquidity, changing consumer behaviour, technology and geopolitics all matter. But none of them can be separated from the realities of agricultural production. Building resilient coffee businesses begins with understanding the systems that make coffee possible in the first place.Connect with Lee Safar and Map It Forward here:- https://www.instagram.com/mapitforward.coffee- https://www.instagram.com/leesafar - https://www.linkedin.com/in/leesafar - https://mapitforward.coffee If you found this episode valuable, make sure you're subscribed to the podcast and follow along for the rest of this 5-part series. In the next episode, we explore how global geopolitics is impacting food supply chains.***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org

Advertising SponsorThis episode is brought to you by Map It Forward Podcast Advertising. Interested in advertising on this podcast? Email support@mapitforward.org to learn more.Episode DescriptionThis is Part 5 of a 5-part solo series on The Daily Coffee Pro Podcast by Map It Forward, with founder and host Lee Safar.Climate change is often discussed as a problem for coffee producers. But the reality is that every business in the coffee supply chain depends on the health, productivity and resilience of coffee farms. When climate changes production, it changes availability. When availability changes, the effects ripple through exporters, importers, roasters, cafés and, ultimately, consumers.In this final episode, Lee explores why understanding harvest cycles has become an essential business skill for anyone working in coffee. She explains how different coffee-producing countries move through the harvest calendar, why no two origins experience the same growing conditions, and why understanding what's happening at origin can help businesses make better purchasing and planning decisions.Lee also examines the potential impact of a forecast Super El Niño and why it deserves the attention of the entire coffee industry. From Brazil and Vietnam to Colombia, Central America and East Africa, different producing regions are likely to experience different challenges. Because coffee is a perennial crop, today's weather events don't simply affect this year's harvest. They can influence flowering, tree health, productivity and coffee quality for years to come.This episode concludes the series by bringing together everything discussed over the previous four episodes. Liquidity, changing consumer behaviour, technology and geopolitics all matter. But none of them can be separated from the realities of agricultural production. Building resilient coffee businesses begins with understanding the systems that make coffee possible in the first place.Connect with Lee Safar and Map It Forward here:- https://www.instagram.com/mapitforward.coffee- https://www.instagram.com/leesafar - https://www.linkedin.com/in/leesafar - https://mapitforward.coffee If you found this episode valuable, make sure you're subscribed to the podcast and follow along for the rest of this 5-part series. In the next episode, we explore how global geopolitics is impacting food supply chains.***************************************About Map It Forward The Daily Coffee Pro is produced by Map It Forward, supporting coffee professionals globally across the supply chain.Website: https://mapitforward.coffeeMailing list: https://mapitforward.coffee/mailinglistPatreon: https://www.patreon.com/mapitforwardInstagram: https://www.instagram.com/mapitforward.coffee/Contact: support@mapitforward.org

Flesh-eating parasitic flies have been found in the US state of Texas for the first time in decades. Known as the New World Screwworm, officials have now put plans in place to try and contain its spread. The fly feeds off warm-blooded animals, like cattle, dogs and horses, but if detected early enough, with treatment, the animals can make a full recovery. It can also infest humans, but human deaths are rare and it poses no food safety issues. The New World Screwworm is not a new problem; it is considered endemic in South America and some parts of Central America, towards South America. But despite the United States declaring itself screwworm free in the 1960s, the country has since seen several outbreaks. Officials have been tracking this latest case since late 2024. To date, the most widely used method to try and control the spread of the screwworm is the Sterile Insect Technique, whereby millions of flies are hatched and exposed to radiation, before they are released into the wild. And the idea here is that as the females only mate once in a lifetime, any eggs they lay will be unfertilised and will not hatch. There is currently only one facility hatching these flies in operation and there are not enough sterile flies being produced. In addition, there is a concern over a lack of knowledge among new veterinary recruits on how to deal with a problem that many may be experiencing for the first time. So, can the New World Screwworm be stopped?Contributors Grace VanHoy, veterinarian and professor, UC Davis Weill School of Veterinary Medicine, California, USA Thomas Rath, author and assistant professor, History Department, University College London, UK Dr Phillip Kaufman, professor and head of department of entomology, Texas A&M University, chair of the Texas A&M AgriLife New World Screwworm Task Force, USA Rui Cardoso Pereira, head of insect pest control section, Joint FAO/IAEA Programme of Nuclear Techniques in Food and Agriculture, International Atomic Energy Agency, Vienna, Austria.Presenter: Charmaine Cozier Producer: Jill Collins Researcher: Amelia Cox Sound engineer: Craig Boardman Production management: Phoebe Lomas and Liam Morrey Editor: Tom Bigwood(Photo: New World Screwworm poster. Credit: Joel Angel Juarez/Getty Images)

Dr. Gerald Parker, an acclaimed biodefense/One Health expert and high-ranking official across several administrations, experienced New World screwworm (NWS) as a boy in Texas while assisting his veterinarian father treat pets invaded by the parasite. Michaela Simoneau, CSIS Fellow, joined the conversation. In the late 1950s, the scaled introduction of sterile male flies — 50 million per week — was a brilliant scientific discovery, combined with a public private partnership with the ranching community. NWS was cleared from the United States by 1966, and from Mexico and Central America by 2006. The barrier began to decay in this decade, a function of migration, illicit cattle trafficking, a decline in the effectiveness of the sterile flies, Covid interruptions, and complacency and bureaucratic inertia. NWS has now arrived in Texas and New Mexico. The race is now fully on to restore control. We need an "Operation Warp Speed" mentality to advance multiple technological innovations, diplomacy, financing, a massive expansion of flies — perhaps as high as one billion per week.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews RIMS Vice President of Content & Publications, Morgan O'Rourke, and RIMS Risk Management Magazine Managing Editor, Hilary Tuttle, on the Q2 digital edition online now. The discussion starts with Hilary's Hurricane prediction and the risks associated with storms. They discussed the risks of applying AI in the risk industry, and how using it for the simple tasks means your remaining tasks are the hard ones. To get the best results, be polite to your AI! Justin asks about Red Teaming, its purpose, and how it operates. Human behavior is an important consideration in risk management.   Listen for pointers on what to do as a risk manager for the rest of 2026, and some things to avoid.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. This is our mid-year risk review, and we will be rejoined by Morgan O'Rourke and Hilary Tuttle. They are here to discuss the major trends shaping the risk landscape; what's happened so far in 2026, and what we can look forward to. But first… [:47] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [:58] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:13] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:29] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:42] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:52] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [2:16] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:37] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:55] On with the Show! We are in the middle of the year, and that means that it's time for our mid-year risk review with two of my favorite people, Morgan O'Rourke, RIMS Vice President of Content & Publications, and Hilary Tuttle, Managing Editor of RIMS Risk Management Magazine.  [3:14] Morgan and Hilary are joining us today to discuss some of the highlights of the Q2 Edition of RIMS Risk Management Magazine, which is available now. [3:21] We're going to talk about hurricane preparedness, reputation, red-teaming, AI, and other emerging trends that risk professionals should be aware of, avoiding, and embracing. We're going to have a lot of fun! Let's get to it! [3:35] Interview! Morgan O'Rourke and Hilary Tuttle, Welcome Back to RIMScast! [3:42] Justin mentions that the Publications Department is a team of five. After nine years, Justin is still the second-newest person. [4:29] Morgan says Risk Management Magazine has articles going up every week. Every quarter, they have a digital issue, reminiscent of a physical magazine, with pages and a table of contents. When this episode is released, the Q2 digital issue was published a week ago. [4:54] RIMS Risk Management Magazine has occasional special issues, on ERM and the Special RISKWORLD Awards Issue. Hilary says the Editor's Picks are articles you may have missed on the website. Morgan says it's sometimes new stuff, or archival stuff that's still relevant. [5:30] Morgan says they try to publish in a frequency and format that everybody can appreciate. Morgan and Hilary miss the physical print magazine. Justin thinks they've maintained the essence of the print magazine. Morgan says that's what the digital magazines are meant to do. [6:22] Morgan says print is not necessarily the way that everybody consumes things nowadays, so you've got to be where everybody's attention is, and that's what we're trying to do. [6:40] The Marquee article in the Q2 digital edition is Hilary's coverage of the 2026 hurricane season outlook. Hilary is well-versed in hurricane preparedness and seasonal outlooks. Hilary says this year, a lot of the forecasts are calling for a below-average season. [7:26] This year, Hilary focused on factors that will make the season different. She focused on macroeconomic volatility, geopolitical instability, and U.S. Federal budget cuts as some of the biggest complications this year that are making a fragile and challenging recovery landscape. [8:03] Hilary says we talk about increased prices in disaster materials, preparation materials, supply problems, and a Federal support system characterized by defunding or dysfunction, and what that means for risk managers tasked with hurricane preparation or recovery. [8:43] Hilary says, looking beyond the forecast, it's important to assess how your resilience strategy is going to hold up in practice. Even a single landfall is going to be more expensive, potentially. The cost may be higher than ever. Response materials are 40% more expensive. [9:28] Justin says we had a risk engineer from Global Risk Consultants on the show recently, talking about the physical preparations, 48 hours, 36 hours, and 24 hours before an impact. [9:56] Hilary says, between materials shortages and price increases, the supply chain is potentially going to be a huge problem for disaster preparation and responses. Getting things is difficult with the Strait of Hormuz closed. People are seeing it across industries and materials. [10:22] Some response materials are also going to be more expensive because of the increased cost of oil. Hilary found that interesting when reporting the piece. Generator fuel is drastically more expensive than it has been. [10:43] It's a best practice to have 72 hours' worth per generator on site, if you're in a high-risk area. [11:55] Materials that require petrochemical input include plywood and structural lumber. Boarding your windows is going to be more expensive, if you can get it. Transport costs are going to be drastically higher. [11:11] Heavy-duty plastic sheeting is a petrochemical-related product. Some products also use by-products of the crude oil production: polymers, petroleum derivatives, and plastics, like rubber seals. All of those will be more expensive as crude oil fluctuates. [11:40] Morgan says you have to prepare for increased costs. You may be underinsured for the costs of materials you may have insured for in the beginning. Be aware of increased costs and do what you can to prepare, whether by increasing coverage or buying more in bulk. [12:10] If you're going to face increased costs, the more you do beforehand to offset those costs is probably for the better. Hilary says she put together 10 detailed and useful tips. One thing that she bumped up the list is to revisit your insurance values and policy limits. [12:40] Hilary thinks the risk of underinsurance is worth underscoring this year. It is going to be drastically more expensive to rebuild. Make sure you have the coverage you need to cover those expenses and the expenses of potentially needing to relocate when things are closed. [12:56] Car parts are drastically more expensive, so if you operate fleets, it's worth noting that those metals are delayed and pricier because of tariffs and supply chain problems. [13:11] Hilary says it's also worth noting that we had Tropical Storm Arthur last week. It never reached hurricane strength, but it still managed to do four to six billion dollars in damage, according to initial estimates from AccuWeather. [13:27] Tropical Storm Arthur hit the Gulf Coast and did a lot of damage in terms of business interruption, delayed flights, and extended power outages. In terms of business continuity, it doesn't need to be a hurricane to do a tremendous amount of damage. [13:47] AccuWeather says the hurricane classification system is solely based on wind speed. Wind does not do as much damage as water. Storm surge, inland flooding, and water damage are not reflected in hurricane classification. We shouldn't just be concerned about hurricanes. [14:21] The peril and the need for preparation are just as dramatic for other storms. [14:28] Morgan notes that the storm season started on June 1st, and we had a billion-dollar potential damage storm within a week or so. Hilary says it's one of the earliest we've seen. [14:46] Morgan says they're usually more in the fall. In some years, we've seen tropical storms before the season. Storms are not necessarily confined to the Atlantic Coast. There are Pacific storms to take into account. [15:18] Morgan learned about Pacific storms from Hilary. In between Hilary's article drafts, there were three Pacific hurricanes that formed, so she had to update the story. The Super El Niño is the climate pattern that creates these storms in the Eastern Pacific.  [15:47] With the Super El Niño, you get more activity in the Eastern Pacific and less in the Atlantic because of warmer waters in the Pacific and more Trade Winds in the Atlantic that act to break up storm formation. [16:05] Parts of Central America, Mexico, and the West Coast are going to be at increased risk. Hawaii, as well. Morgan says one of the more impactful storms on the Pacific was named Hilary in 2023. Hilary was a billion-dollar storm that killed three people. [17:21] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [17:40] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [17:51] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [18:01] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [18:18] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [18:35] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [18:50] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [19:01] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [19:12] Let's Return to Our Interview with RIMS Risk Management Magazine's Hilary Tuttle and Morgan O'Rourke! [19:31] Justin says artificial intelligence is on people's minds. It's evolved into a data governance and operational risk challenge. [19:52] Morgan's first reaction concerning AI is, "What else can we say about this?" There is a little bit of burnout about AI. Hilary says we get so many articles. Morgan says there does need to be attention paid. What are your AI use policies? Are your employees introducing risk with AI?  [20:42] Morgan says there was a cybersecurity survey cited in the issue. The biggest risks they are seeing are misinformation and disinformation. IT people don't consider themselves or their companies prepared to identify those risks across the board. Justin quotes that ISACA poll. [21:45] Hilary says you're seeing a lot of shadowy AI use; a lot of unlicensed and unsanctioned use. If your company allows you to use Copilot, but you're using ChatGPT and Gemini, that's unsanctioned use. [22:15] Morgan says dropping an entire report in that might be proprietary information, to distill that into a public environment; not just opening the program, but what you're putting into it, may be stuff that no one would want out. [22:31] Hilary says a recent study showed that 90% of organizations have employees who regularly use personal AI tools at work. Forty percent of companies have bought official subscriptions to AI services because they get different privacy protections than free versions. [22:51] Fifty percent of companies are running on shadow AI. They're either letting employees foot the bill by using personal subscriptions or using a free mode, and that's a disaster. One of the things a lot of organizations aren't thinking about is the cost of subscriptions and tokens. [23:10] A lot of companies that are starting to adopt AI at a large scale and are footing that bill are running into astoundingly large bills for these services and not factoring in that it is not free computing power. It is not a free tool. [23:28] Now that some of these companies are going IPO, if tools are free, they're not going to stay free. Morgan says, it's one of those things that, although it's not necessarily something you want to hear for the fifteenth time, it doesn't mean you shouldn't be doing something about it. [24:03] Hilary adds that hidden costs are a big thing people aren't thinking about. People are thinking about governance, which is incredibly important. The market for that is also booming. People have an interest in making you afraid of it, as well as selling it to you in the first place. [24:22] Hilary says, the governance market is going from $200+ million two years ago to an estimated three or four billion dollars by 2037. It's a huge industry to make you dependent on AI and to charge you to govern it or make it safer. [24:43] Hillary says we're seeing studies that companies have made huge investments in AI, and are not seeing an ROI. A recent study showed that 5% of organizations have had transformative ROIs. The other 95% said there is zero measurable impact on Profit & Loss, if not a net negative. [25:10] Hilary says one CEO said that unless it's for coding specifically, we're not going to get monetary value whatsoever out of AI. A lot of companies that have fired people are starting to reverse course really quickly. [25:24] Hilary says companies that make AI are walking back a lot of their claims about how transformative it's going to be. They had said there would be a job apocalypse because widespread job automation would be so easy. They're walking that claim back. [25:47] The COO of Uber said that gains in productivity were absolutely nothing compared to the increased AI-related expenses they are experiencing. They're walking back a lot of their investment. [25:58] The former Chief of AI at Microsoft said that employees default to automating tasks that they dislike, rather than ones that create value. Morgan says it speaks to being practical about what you're going to get out of it, as opposed to it being a magic button to press. [26:28] Morgan says that in the early going of anything, there's a spike of promise and then reality kicks in. AI is not going to be tossed aside. Hilary says there's a hype bubble around AI, that AI is for everything, and that AI would replace everyone. Companies are laying off. [26:59] Hilary says last year, 125,000 tech workers lost their jobs. In 2026 through June, already 120,000 tech workers have lost jobs. We are seeing an overinflated promise of what AI is going to be. People are slowly beginning to realize AI is to augment employees, not replace them. [27:25] Morgan says there's a push for "the human in the loop." People have come to recognize that we can't leave people out of this, if only to check the accuracy of results. You can't replace workers because there's stuff that the AI can't do. [27:42] Morgan says AI is always going to tell you what you want to hear. It's going to give you stuff that's already out there. It's not giving you new information; it's just distilling it differently. [27:55] Hilary says there's an important core competency people need to be developing now. Taking a quick look at a thing and saying it makes sense is not an adequate amount of oversight to provide for things you're using AI for, particularly as you start using it more and more. [28:14] AI is structured to give you things it thinks you want, or to predict what you would do. The results may seem well-written, but you must pay attention to what's in it and whether it makes sense. [28:33] Hilary says some people submit stories to RIMS Risk Management Magazine that simply restate things; they don't explore ideas. With AI, don't just look to approve it; look to assess it and analyze what it is doing before you put it forward. [29:14] Hilary says, to be very clear, RIMS Risk Management Magazine does not accept articles that are written by AI. When it comes to articles about AI, they've seen just about everything. [30:11] Morgan says he would probably be interested in practical use cases that are not promotional, if somebody found some success using AI, that fellow risk professionals could benefit from, as well, and not something so proprietary that it only works for their company. [30:26] Morgan says it should be something like where AI might be able to help risk managers in general. A lot of people are using AI for different things. It's not about the only best practice, but helping the magazine establish a list of best practices for AI in the risk process. [30:50] Hilary says it's also helpful to get articles that have practical guidance on what people are using that is useful in terms of governance. How are they crafting effective policies? [31:01] How are they working to train their workforce on best practices so they're using AI responsibly and getting the most out of it? How are they exploring the ideas of customization, if that is something their company is doing in-house? Practical articles. [31:17] Hilary says she is seeing a lot of articles on legal exposure and how that is shaping up since all of the case law is so nascent. What are the exposures? What are the liabilities other organizations are learning in real time that you can start guarding against? [31:35] Morgan says there are a lot of cases working through without a lot of precedent. Some of these cases will become precedents. Four years ago, everyone was talking about basic, general risks. Now we are talking about specific risks of real applications. [32:04] Hilary says there is interest in the costs of AI. That's underexplored and would be interesting to read about. Are companies seeing that it's having impacts they haven't anticipated? Every prompt you give to ChatGPT, even 'thank you," is a payment to OpenAI. [32:54] Hilary says a study showed that 80% of people are saying "please" and "thank you" to the AI because they don't want to make it angry; 18% are doing it because they say it's just the right thing to do. Hilary puts "thank you" at the end of a prompt, so it's not an extra prompt. [33:22] Hilary says, some AI platforms perform better when you talk to them politely. ChatGPT will give you more coherent, nicer, and polished answers if your input is polite. Morgan refers to the Terminator movies. Hilary says, You want to be polite, but you don't want to be empowering. [34:02] Hilary says, in a video from the American Psychological Association, a professor from Michigan State talked about the underappreciated problem with AI, that if you automate the easy parts of your job, then 100% of your job is the hard parts, a guaranteed ticket to burnout. [34:39] You've made the easy wins and the low-level stuff that your brain needs to recover, a part of your job that you don't get to do. You don't get those bits. Everything is complicated, difficult, and exhausting. That's not how the brain is designed to function. [35:00] Morgan says, We don't want AI to do the fun or easy stuff. Hilary says, Think of a call center. If it's a simple thing, like "What time do you open?", or "Do I have a warranty?", AI can close them easily. That leaves you with a furious customer yelling at you for 20 minutes. [35:25] If that's all you do, all day, every day, what is your life going to be like? Then you start putting things on hold because you need a second. If your goal was efficiency, you're not making it more efficient; you're adding more buffer time because you can't handle that all the time. [35:59] Another Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year, Spencer will honor Sierra Signorelli of Zurich and our recent guest, Marya Propis of RT Specialty. [36:19] A link to the Gala is in this episode's show notes. [36:21] We have reached the deadline for the Spencer Educational Foundation's Risk Manager on Campus submissions. Grant awardees, colleges, and universities are typically notified in September. [36:37] General Grants are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [36:48] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [36:56] Let's Conclude Our Interview with Morgan O'Rourke and Hilary Tuttle of RIMS Sisk Management Magazine! [37:09] Morgan and Hilary have released the Q2 Digital Issue of RIMS Risk Management Magazine. There's an article about red teaming. Morgan says Red teaming is conducting a crisis simulation. You have a team that is the adversary, challenging your assumptions and plans. [38:04] Hilary says they are immersive exercises that involve some form of offense and defense. It's basically wargaming. [39:10] The feature on reputation red teaming suggests that organizations need to prepare for the first 48 hours. In a crisis, it's the first 48 hours of the crisis as much as the crisis itself. [39:40] Morgan says social media is going to amplify the impact of a crisis immediately. Consider the knee-jerk reactions you see online to anything that's happening. If your company loses control of the narrative, people are telling a story that isn't your story and isn't accurate.  [39:55] Morgan says there was a story that Jeff Bezos had said that we should be using water for AI purposes rather than human consumption because AI will solve more problems. But Jeff Bezos never said that. Social media amplifies something before people question its validity. [40:37] Morgan says we're in an environment where "crazy," more often than not, sounds possible. Hilary says social media is a force multiplier for a lot, particularly when there are zero content moderation controls, leading to misinformation, disinformation, and hate speech. [41:04] Morgan points out that even with moderation, something can be put up and seen before it's moderated. The Bezos story is on Snopes that it's not true, but how many people follow up a story like that after they see the headline? They might not know where they saw it. [41:34] The point of throwing these reputation red teaming exercises together is to acknowledge the fact that not only do you need a plan, but the plan has to be in place to be able to move quickly. [41:44] When it comes to a crisis that happens within your organization, one of the biggest parts of it is the reputation elements. People run with it, "Not only is this a bad thing an organization did, or a questionable thing, but they're terrible for it and irredeemable." [42:04] If you can't put out a statement in the first 12 hours after something happens, because you weren't ready for it, that means you entirely miss out on any opportunity to correct that misinformation and be a part of the narrative that actually steers the conversation. [42:30] Morgan speaks about attention spans. People see a headline and then move on to the next headline. Your first impression may be their only impression. Act quickly. Have the people in place and the plans in place. The exercise is for people to poke holes in your plan. [42:59] Justin says it's a good article, and the author, Ted Skinner, gives you actionable takeaways. Morgan likes the article but had not heard of red teaming. [44:05] Hilary says red teaming is very common in cybersecurity. This is the first time they have run across it in other applications. [44:48] Justin brings up human behavior. It's in the Q2 issue. It permeates every risk. You can't just let AI do your job for you; you have to put a human perspective and input into it. Human behavior impacts employee misconduct. There was an article on it in the RIMS Weekend Read. [45:17] Employee misconduct is on the minds of risk professionals and executives. [45:27] Morgan says culture is a good stopgap measure to have. A risk manager can't be everywhere at once. If your organization has a risk-aware culture, it can stand in for you when you're not around. If everyone's aware of risk, you don't have to be the only person watching. [46:02] Hilary says culture is your sunscreen. It's your everyday, it's your automatic. It's the thing that you need to do to prevent the majority of photoaging and skin cancer. Some of the more subject-specific areas are your serums to spot treat your hyperpigmentation and redness. [46:21] It depends on what your specific skin is like. Are you focusing on wrinkles? Are you adding antioxidants? The sunscreen is the thing you need every day, as it covers the vast majority of problems. [47:05] Morgan says the human element is always necessary to interweave into all of this because it's one of the things you can control. You can't control geopolitical events or storms, but you can control whether or not you put the sunscreen on. [47:25] You can control whether or not you have plans in place for any disaster. That's what allows you to sleep at night. You can do something in an environment where it feels like nothing can be done. That can get overwhelming. [47:42] Hilary says part of overcoming that overwhelm is the empowerment that comes with educating yourself and doing the work. You can't control geopolitical risk. What does that mean for your organization? What does that mean for your cost of materials? [48:06] It takes time, and it's not glamorous to look up how much asphalt we use in a year. The stuff that keeps all the gravel together in asphalt is a by-product of oil production, and drastically increases in price. What does it mean if your supply chain is going to be drastically delayed? [48:33] Those are the ways you can empower yourself and make a difference within your organization with some of these big, ephemeral risks. You need to think, What does this mean for us? [48:49] Hilary says one of the things we evaluate with our goals and the single most common edit note that I give on submitted articles, is "So, what? Yes, that is a risk. What does it mean for you? What do you do about it? What consequence does this have for your organization?" [49:20] Those questions are the distinctions between an article I read and an article I publish. Those are the distinctions between a risk manager who is informed and a risk manager who is empowered. [49:55] Justin asks, based on the Q2 issue of RIMS Risk Management Magazine, and on what they heard and saw at RISKWORLD 2026, what actions should risk managers take before the end of 2026? [50:12] Morgan says it depends on where you come from and understanding where risks exist, for you, and breaking it down to the things you can control, looking at where all these big-picture things intersect your business. [50:33] That comes down to strengthening your fundamental risk management practices to make sure you don't lose sight of the basics. [50:47] There is some talk of the property insurance market softening. That may give you more funds to invest in training or in infrastructure improvements. At least, reassess your policy's terms and conditions and see if you might take advantage of pricing. [51:12] Those are the fundamentals of risk management. In a time when everything is crazy, when it's a polycrisis environment, those are the things you're going to have to do; otherwise, it will get too crazy to look at all the big stuff. [51:34] Hilary agrees. Focus on localized impacts, whether it's the impact of the supply chain disruption on your business, or a storm, or inflation, and also, work on your skill set, learning to have a critical eye when it comes to how and if you're using AI, and what it's being used for. [52:00] Hilary says there's a 56% wage premium for workers with AI skills, according to PWC. A lot of self-improvement and educational things are critical to doing your job well now, but they also set you up to be more prepared career-wise. [52:16] Hillary touches on thinking about what some of these impacts do to your workforce. AI is a tremendously stressful and confusing one for your workforce, so redirecting some money into training programs is a great option. You'll have a better workforce, and they'll feel better. [52:41] Studies show that the more training you offer, the less resistance you get when it comes to tool integration, and the better outcomes. [52:51] When it comes to storm season, you're dealing with a standing inflation, but so are your workers. If they can't afford plywood to board up their houses, that's also a problem. If they are displaced, you have a displaced workforce, and that means business interruption. [53:07] What can you do to assist? Is that ordering things in bulk, so you have some purchasing power to help them obtain supplies? Is that providing emergency kits so they are prepared at home, and you have a more prepared workforce that comes back to work sooner? [53:28] Think small when the big stuff is a little too big. [53:41] Morgan says, the other side of the coin is to avoid getting distracted by headlines that maybe don't have as much relevance. Educate yourself to know what technology works for you. If you just take things on faith, that may not be fit for purpose for you. [54:14] Hilary says a wait-and-see approach with a lot of emerging technology is proven to be the best course of action, and Hilary recommends it. Focus on augmenting employees, not replacing them. [54:36] According to Gartner, 50% of AI layoffs are going to be reversed by 2027. A lot of people who acted fast and cut people because they overestimated the impact of AI are going to be hiring those people back, and probably for more money, not to mention retraining costs. [55:02] Some people are calling it a layoff boomerang. It's coming back. Those who were not overly hasty are the ones who will fare better in the long run. That's an important lesson to keep in mind when it comes to making some of these decisions, going forward. [55:28] Morgan says, nobody would have said we're going to have a war that's going to dominate all the headlines. Hilary says, if you told me there was going to be a war, Iran wouldn't have been my first guess. [55:42] Morgan says, We're starting storm season. We're anticipating it being a mellow storm season. It doesn't mean it will be. It's the nature of the game that there are a lot of unanticipated things. [55:57] Hilary says a dry hurricane season comes with increased dryness, which means increased wildfire risk. It's always something. It's either flooding or it's burning. Which you prefer is largely subjective. [56:24] Morgan says it's one of those years where it's tough to predict anything, because every day it's something new, which is what keeps risk management interesting. Hilary agrees. Morgan says he's still interested. [56:49] Justin says, It's been great to have you rejoin us. It's always fun! These are some of my favorite episodes to produce. Everyone, go to RMMagazine.com. RIMS members get access to the "turn the page" edition, but anyone can view a lot of the articles online. [57:11] The Awards issue is also at RMMagazine.com and RIMS.org/Awards. There's a listing of the folks who won, as well as links to the issue itself, where you can read more about those individuals. Learn editorial guidelines for contributing articles at RMMagazine.com/Contribute. [57:39] Hilary says There are also our Topics pages, if you want any subject-specific coverage. It's a great way to navigate within the website. Natural disaster things don't vary that wildly, year to year, when it comes to preparation best practices. [57:58] In submitting article pitches, keep in mind that Hilary will ask, "So what?" If you're submitting something, ask yourself that. So what? Why should somebody care to read this? [58:29] Justin says, Look at her Hurricane Outlook, and the Red Teaming article for good examples of what we're looking for. The Hurricane Outlook is far more in-depth than what we're expecting from the typical outside contributor, but it should give you a good starting point. [58:46] I'd like to congratulate you on another wonderful quarterly edition of RIMS Risk Management Magazine. I look forward to seeing you at upcoming RIMS events, and thank you so much for joining us. [59:00] Special thanks again to Morgan O'Rourke and Hilary Tuttle for joining us here on RIMScast again. The Q2 Edition of RIMS Risk Management Magazine is now available on RMMagazine.com. [59:12] If you want to contribute, check out RMMagazine.com/Contribute for the editorial guidelines. You can reach out to Morgan O'Rourke and Hilary Tuttle. And our Editor, Jennifer Post there, as well. [59:23] We're certainly going to have them back for our Year in Review episode of RIMScast, but if and when major news happens, or I run out of guests, they just may come back and rejoin us here on RIMScast.  [59:36] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [1:00:04] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [1:00:22] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [1:00:40] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [1:00:56] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [1:01:10] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [1:01:22] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available RIMScast on YouTube! RIMS-CRO Certificate Program in Advanced Enterprise Risk Management | July – Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Morgan O'Rourke | Vice President, RIMS Content & Publications Hilary Tuttle | Managing Editor, Risk Management Magazine   Production and engineering provided by Podfly.

How much longer can productive labor stay trapped in a crumbling European fiat system before the logical move is to opt out entirely, escape rigid structures, and seek an anti-fragile alternative? Many wonder whether El Salvador is truly a sovereign haven or just a developing nation running a clever marketing stunt, but the answer becomes clear when you look at how the Ministry of Education and Bitcoin Beach are using El Zonte as a blueprint to transform the local economy through financial literacy. In this episode, Chris Meinhart (@ChrisMeinhart) drops by to give us a raw, boots on the ground perspective of his radical personal pivot away from the highly regulated German job system straight to the frontier of Bitcoin Country. It is a wild testimony of what happens when you stop asking permission from failing institutions and actively choose geographic arbitrage to secure your wealth on a sound money standard.Living on a parallel economic standard is about way more than watching a chart or speculating on a digital currency. It is about seeing how honest money completely reshapes a local economy from the grassroots up. Chris lived this firsthand. After getting hit with a corporate tech layoff back in Europe, he used X to connect with sovereign networks and eventually transition to Central America. He is incredibly open about his early days managing communities for local NGOs, including the tough lessons he learned from public internet drama, and why true sovereignty means tuning out the online noise to focus entirely on building real-world regional infrastructure.If you are serious about building an anti-fragile life, you have to get out of the transient tourist bubbles and plant real roots in the community. Chris started out navigating the standard residency paperwork while living near the volcano in San Salvador, but he ultimately found his home in the western mountains of Juayúa. Along the Ruta de las Flores, he and his Salvadoran wife bought land and built a small, self-sufficient homestead from scratch in just three months. It is a fantastic blueprint showing the kind of personal freedom that opens up when you approach a developing nation with cultural humility, learn the language, and build alongside the local people.The real magic happens when you bring structural financial literacy directly to the youth instead of just waiting around for organic adoption. Chris is right in the thick of this now, working with the National Bitcoin Office to roll out the Bitcoin Diploma 2.0 pilot program in public schools. Working hand in hand with the ministry of education, this ten-part curriculum deliberately leaves out wallets and technical coding at the start. Instead, it teaches kids to rethink their relationship with money, focusing on delayed gratification and saving for the future. By scaling the exact circular models we originally proved out here in El Zonte into a nationwide framework, they are helping the next generation build true generational wealth.—Bitcoin Beach TeamLearn more about Chris Meinhart:X: https://x.com/ChrisMeinhartSupport and follow Bitcoin Beach:X: https://www.twitter.com/BitcoinBeach IG: https://www.instagram.com/bitcoinbeach_sv TikTok: https://www.tiktok.com/@livefrombitcoinbeach Web: https://www.bitcoinbeach.com Browse through this quick guide to learn more about the episode:00:00  Intro01:30  What is real grassroots hyper-bitcoinization like in El Salvador?03:41  How to build a sovereign expat network using X Twitter07:05  Is Bitcoin used as everyday money in Bitcoin Beach El Zonte?10:07  How learning Spanish helps expats with geographic arbitrage in El Salvador11:16  How to buy land and build a homestead in Juayua El Salvador13:16  How to protect Bitcoin circular economies from toxic social media drama17:44  How the National Bitcoin Office deploys Bitcoin Diploma 2.0 in public schools24:30  Why you must teach low time preference before using Bitcoin wallets28:44  How living on a sound money standard triggers a spiritual awakeningLive From Bitcoin Beach

Matt and Brian take a visit down to Central America for one of the most physically demanding seasons of Survivor since Survivor:Africa. They talk about some of the most infamous Survivors and a season that is filled with twists, turns, ups and downs, former NFL QBs, paranoia, and alligators.

1. HEART OF THE MATTER 1A. Record-Breaking Missionary Numbers — Pres. Oaks at New Mission Leader Seminar At the 2026 Seminar for New Mission Leaders (June 18–21, Provo MTC), President Dallin H. Oaks announced that the Church will soon have the largest number of full-time missionaries in its history, surpassing the current 87,000+ serving worldwide. The surge is driven by the first wave of 18-year-old sister missionaries (following the November policy change lowering the minimum age from 19) and the addition of 55 new missions in July, bringing the global total to 506. President Oaks outlined three characteristics defining the restored Church: (1) the fulness of doctrine (including eternal marriage between a man and a woman); (2) priesthood authority and keys; and (3) a unique testimony of Christ grounded in modern revelation and the First Vision. Sister Kristin Oaks also spoke, sharing six core truths missionaries teach. Source: Church Newsroom, June 20, 2026 Note: Strong potential for discussion on what ‘only true and living church’ means in a pluralistic world — Richie angle? 1B. New Hymn ‘Welcome Home’ — The Story Behind It Composer Andrea Brett explains how a 2017 encounter with Demetrius O’Neal — a recent convert serving as a greeter at a Spokane ward on a snowy Sunday morning — inspired her hymn ‘Welcome Home,’ now published in the new Hymns for Home and Church. Brett submitted 10 pieces when the global hymnbook was announced in 2018; this was the only one she’d written before the call. She received confirmation of its selection in February 2025, then had a full-circle moment when she and O’Neal sat near each other at the April 2025 General Conference as the Tabernacle Choir performed it. O’Neal’s name appears in the hymn’s tune name as a tribute. The hymn is now translated and sung globally. Source: Church Newsroom / Richie’s document 1C. Family History Records Are a ‘Sacred Thread’ — Elder Bragg at International Archivists Congress Elder Mark A. Bragg, General Authority Seventy and executive director of the Church’s Family History Department and FamilySearch International, was a keynote speaker at the III Congress of Archivists: Digital Archive Expo (DA-EXPO), held June 8–12 in Astana, Kazakhstan. He called family history records ‘the thin but sacred thread’ tying people together across generations, and argued that records are ‘in a very real sense, witnesses.’ Elder Bragg framed the digital revolution in genealogy in moral terms: for most of history, access to records was shaped by ‘proximity, resources and specialized knowledge,’ but today a record created in one place can be preserved in another, indexed in a third, and discovered by someone on the other side of the world. ‘The reach is astonishing. The speed is breathtaking. The possibilities are almost beyond measure.’ He also said that ‘access is an act of kindness’ — records only fulfill their divine purpose when they are found, understood, and used. His core message: preserving memory is an act of hope. ‘It says that the past is not dead to us and that the future deserves more than fragments.’ Source: Church News, June 17, 2026 Angle: Great ‘quiet but meaningful’ story — LDS family history going global and leveling the playing field for genealogy worldwide. 1D. America Gives — All 50 States Receive Food Donations The Church completed a milestone in its ‘America Gives’ initiative by delivering a shipping container of food to Hilo, Hawaii — marking all 50 states reached. The initiative aims to deliver 250 truckloads of food nationwide in 2026 to celebrate the U.S. 250th anniversary. In Hawaii, the food went to The Food Basket, distributed to 10 local nonprofits. Notably, 42% of residents on the island of Hawaii face food insecurity — the state’s highest rate. Rosie Rios, chair of America 250 and former U.S. Treasurer, praised the milestone. Local Methodist pastor Ted Lesnett said recipients will know ‘when they were hungry, someone cared.’ Source: Church Newsroom / Richie’s document 1E. Church Donates $250,000 NZD to Christchurch Anglican Cathedral Rebuild The Church announced a NZ$250,000 donation (June 19, 2026) toward the restoration of Christchurch’s iconic Anglican Cathedral — damaged in the February 2011 earthquake. Elder Peter F. Meurs (Pacific Area President) and Anglican Bishop Peter Carrell presided at the announcement. The donation comes as the project faces a $45M funding shortfall and an overall $219M budget. The Christchurch City Council has offered $15M contingent on government and Anglican Church matches. Notably, a New Zealand Buddhist community made a similar gift in 2023 — the LDS donation continues a cross-faith pattern of support for the heritage project. Source: Richie’s document Angle: Rare and heartwarming — LDS funds an Anglican cathedral. Good interfaith story. 1F. Central America Humanitarian Blitz — 5 Projects, 500,000+ People In late May and early June 2026, the Church announced five humanitarian projects across Central America (with Sister J. Anette Dennis, First Counselor in the Relief Society General Presidency, representing the Church). Projects include: the ‘Windows of Light’ eyecare program in El Salvador (350,000+ screenings to date); safe water access for 250,000+ in Belize, Guatemala, Honduras, and Nicaragua (with UNICEF); nearly 750 computers/tablets donated to 66 educational institutions in Guatemala; and medical equipment for the ‘La Mascota’ children’s hospital in Nicaragua. Source: Church Newsroom, June 2026 2. FAITH & DOCTRINE 2A. President Christofferson in Philadelphia & Toronto A busy week of ministry for President D. Todd Christofferson: He offered the invocation at Becket’s Canterbury Medal Gala in Philadelphia (multifaith event celebrating religious liberty), alongside Elder Gary E. Stevenson and others. The group also visited the Liberty Bell and Independence Hall — fitting, ahead of America’s 250th. Christofferson reflected on D&C 101 and the Constitution’s purpose to protect ‘all flesh.’ From Philadelphia, he and Sister Christofferson traveled to Toronto, meeting 250+ missionaries in the Canada Toronto Mission weeks before it divides into three missions (Toronto West, Toronto East, and Montreal). He also spoke to hundreds of LDS youth, with one — Amelia Fischer — saying ‘no amount of words can describe how I felt tonight.’ Source: Richie’s document / Church Newsroom 2B. BYU Scholar Study: Religion Adds 7.6 Years to Life The BYU Wheatley Institute is releasing three reports analyzing 3,000 of the most scientifically rigorous studies (culled from 60,000+ papers by Duke University) on religion and health. Key findings: 33/34 studies show improved social health; 10/11 show improved mental health; 7/8 show improved physical health. Regular worshippers live an average of 7.6 years longer (up to 13.7 years longer for African Americans). A ‘landmark finding’: 256 studies show religion prevents/aids recovery from substance abuse (vs. 6 showing negative impact). Author Loren Marks recommends public health frameworks treat religious involvement like exercise recommendations. Source: Richie’s document 2C. Elder Soares Testifies in the Philippines Elder Ulisses Soares completed a two-week ministry in the Philippines (mid-May 2026), meeting with 600+ young single adults in Cebu, 450+ in Quezon City, and 340+ missionaries at the Philippines MTC. His recurring message: ‘His arms are extended to all of us.’ The Philippines has more than 905,000 Latter-day Saints — the Church’s fourth-largest national membership. Two new temples were also dedicated in the Philippines this month: the Davao Philippines Temple (Elder Renlund, May 3) and the Bacolod Philippines Temple (Elder Andersen, May 31). Source: Church Newsroom, June 17, 2026 3. CULTURE & CURIOSITIES 3A. LDS Author in Everyman’s Library — A First BYU biology and bioethics professor Steven L. Peck has reportedly become the first Latter-day Saint author included in the prestigious Everyman’s Library series (publishing canonical English fiction since 1906). His 2012 novella A Short Stay in Hell — a philosophical horror story about a Mormon man condemned to an afterlife library containing every possible book — went viral on BookTok and found a new audience. A literature historian noted: ‘No Mormon or Mormon-adjacent writer that I know of has ever been featured in this prestigious series.’ The Salt Lake Tribune covered the story, noting the irony that a theological horror story marks one of the most significant moments in LDS literary history. Source: Salt Lake Tribune / Richie’s document 3B. The Sasine Family — 40 Countries Before Age 1 Keith and Chelsea Sasine, an LDS couple stationed in Germany (Keith is an Army oral surgeon), made history in November 2025 by taking their youngest daughter Mia to 40 countries before her first birthday (March–November 2025), using a Honda Odyssey for European road trips. The family of six (including Izzy, 10; Abby, 9; and John, 4) attends local wards wherever they travel — a faith anchor the couple says strengthened their testimony and taught their kids the importance of the Sabbath globally. They’re planning a move to Colorado Springs in 2026. Source: Richie’s document 3C. Jen Affleck (Secret Lives of Mormon Wives) Expecting Baby #4 Jen Affleck, 27-year-old star of The Secret Lives of Mormon Wives and Dancing with the Stars alum, announced June 18 that she and husband Zac Affleck are expecting their fourth child. She shared the news on Instagram captioned ‘Chapter Four.

Golden-cheeked Warblers, Black-throated Green Warblers, Townsend's Warblers, and Hermit Warblers share similar songs and plumage. Though they all breed in different areas of North America, they can often be found flocking together on wintering grounds in Central America. Genetic studies have confirmed what their family resemblance suggests: these four warblers are closely related and likely shared a common ancestor before the last Ice Age. And as sister species often do, they all put a unique twist on that bright, buzzy song. More info and transcript at BirdNote.org. Want more BirdNote? Subscribe to our weekly newsletter. Sign up for BirdNote+ to get ad-free listening and other perks.  BirdNote is a nonprofit. Your tax-deductible gift makes these shows possible.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dr. Mike is back with a bonus episode nobody scheduled, because the screwworm did not check our calendar. The New World screwworm has arrived in the United States for the first time in sixty years, confirmed in Texas and New Mexico, with a quarantine zone now covering fourteen Texas counties. While livestock take the hardest hit, cats are absolutely at risk, because the fly lays her eggs in any open wound, and even a small scratch or post-surgical incision is enough of an invitation. The saving grace is that a year of preparation preceded this moment, with FDA emergency use authorizations now covering cats, including Credelio Cat and NexGard COMBO, and most recently a generic over-the-counter nitenpyram option that kills larvae within hours. Dr. Mike explains what living in the affected zone actually means for your cat, and whether the screwworm's steady northward march through Central America and Mexico is likely to continue up the map. We also cover the other infection keeping feline medicine on its toes: H5N1 in cats. More than 130 feline cases of highly pathogenic avian influenza H5N1 have been confirmed across the United States, from barn cats to strictly indoor pets, and cats appear to be exquisitely sensitive to the virus. The mortality rate sits somewhere between fifty and seventy percent, and whether infected cats can pass the virus to other cats remains an open and uncomfortable question. Two infections, one episode, and a very compelling argument for keeping your cat's wounds clean and your raw milk off the menu. Do not miss this one.miss.Thanks for tuning in to the Purr Podcast with Dr. Susan and Dr. Jolle!If you enjoyed today's episode, don't forget to subscribe, rate, and leave us a review—it really helps other cat lovers and vet nerds find the show. Follow us on social media for behind-the-scenes stories, cat trivia, and the occasional bad pun. And remember: every day is better with cats, curiosity, and maybe just a little purring in the background. Until next time—stay curious, stay kind, and give your cats an extra chin scratch from us. The Purr Podcast – where feline medicine meets feline fun.

You’re listening to American Ground Radio with Louis R. Avallone and Stephen Parr. This is the full show for June 19, 2026. We open with Tulsi Gabbard's parting shot as Director of National Intelligence — a new batch of declassified COVID origin documents that are now sitting on an official government website, fully indexed, available for any American to read. What they show, according to Gabbard, is that Dr. Anthony Fauci worked with politicized intelligence community leadership to suppress evidence of the lab leak theory, influence intelligence assessments, and mislead the very investigators who were asking him about research he himself was funding. We note the stunning circular logic — the intelligence community went to the man who funded the Wuhan lab and asked him whether the virus came from the lab he funded. He said no. They believed him. We also ask the question that still demands an answer — why did Joe Biden issue a sweeping preemptive pardon for a man who hadn't been charged with anything? In our Top 3 Things You Need to Know, first-time unemployment claims fell to 226,000, hovering near all-time lows, while gas prices dropped below $4 a gallon nationwide for the first time since the Iran conflict began — none of the economic doom the left predicted has come to pass. Then RFK Jr. announced that obesity rates in the United States have dropped for the first time in 50 years, down 2.5% since the start of Trump's second term — in a country where 48 cents of every federal tax dollar now goes to healthcare, with 90% of that spent on chronic disease. And Tulsi Gabbard's final official act was releasing files accusing Fauci of lying to Congress, lying to intelligence investigators, and covering up gain-of-function research — with Biden's preemptive pardon standing between accountability and the documents now in public view. We also cover a federal judge clearing the way for the release of hours of Biden audio recordings — conversations with ghostwriter Mark Zwonitzer in which Biden allegedly disclosed classified information, and the special counsel interview that led Robert Herr to say he wouldn't prosecute because Biden was too elderly and sympathetic a figure for any jury to convict. The same man who was still the sitting president of the United States at the time. Our American Mama Terui Netterville joins the conversation on the World Cup tourists going viral across America — and she has been watching. Thousands of videos from visitors across Europe, Asia, and beyond who drove through the South, stopped at Buc-ee's and Waffle House, discovered free public restrooms and free water and air conditioning in stadiums, and posted online that everything they had been told about America was wrong. One visitor put it perfectly — if you want to hate the U.S., just listen to the media. If you want to love the U.S., just drive across it. The Los Angeles City Council voted 10-5 to place a measure on the ballot that would allow non-citizens — including those in the country illegally — to vote in local elections and school board races. We ask what citizenship means if residency is sufficient, where the line stops once you detach voting from legal status, and what the Declaration of Independence says about who gets to institute a government and for whom. In our Digging Deep segment, CNN conducted a poll asking Americans which source they trust most for political news. The number one answer was Fox News — at 5%. CNN came in second in its own survey at 2%. NPR and local news also came in at 2%. CBS was less than 1%. One man — Joe Rogan — was trusted by more people than the entire CBS News organization. We examine what this means: not just that big media is struggling, but that the organizations that used to capture 90% of the television audience in the 1950s through 1970s are now irrelevant because they stopped serving their audiences — and the audience went looking for something they could actually trust. We also cover the Mexican president pushing back on President Trump's claim that the cartels control Mexico — and we point out that any politician who speaks out against the cartels in Mexico tends to end up hanging from a bridge. We hold up Nayib Bukele's El Salvador as the model — went medieval on the gangs, jailed everyone with a gang tattoo, and turned El Salvador into the safest nation in Central America. Then it's Fake News Friday — including whether Joe Biden was left alone on stage at the Obama Presidential Library opening and had to be retrieved by Jill, whether Barack Obama played air guitar at his own library dedication, whether one of the UFC fight plotters was someone Barack Obama had allowed to remain in the country, whether SpaceX has now launched more satellites than the rest of the world combined, whether Artemis 2 got to the moon and back faster than California counted its votes, and whether GLAD says AI isn't gay enough. We also cover the immunity deal granted to Tyler Robinson's boyfriend in connection with the Charlie Kirk murder case — and explain why, while the conspiracy theories won't die regardless of what testimony emerges, the grant of immunity to a key witness should eventually put some of the internet speculation to rest. And we close with the unveiling of the new Air Force One — a 747-8 gifted to the U.S. by Qatar and extensively upgraded, featuring a dark blue bottom, red stripe, and white top with gold accents, chosen personally by President Trump. May your pursuit of happiness bring you joy. Listen now wherever you get your podcasts, visit AmericanGroundRadio.com, and join the conversation at 866-AGR-1776!See omnystudio.com/listener for privacy information.

Ralph welcomes political consultant and pollster, Celinda Lake, to outline a ten-point Progressive Contract for America that she and Ralph believe – if adopted by Democratic candidates— will ensure they landslide the Republicans in the midterms. Then, Ben Cohen stops by to fill us in on his “Free Ben & Jerry!” campaign to take back the brand from the conglomerate that no longer retains the social justice values of their original company. Plus, Marine Corp veteran, Matthew Hoh, tells us about the provocative speech he made on Veterans Day entitled “Armistice Day and the Empire.”Celinda Lake is a political strategist and president of Lake Research Partners. She and her firm are known for cutting-edge research on issues including the economy, health care, the environment and education, and have worked for a number of institutions including the Democratic National Committee, the Democratic Governor's Association, AFL-CIO, SEIU, CWA, Sierra Club, NARAL, Human Rights Campaign, Planned Parenthood, VoteVets Action Fund, and the Kaiser Family Foundation. Her international work has included work in Liberia, Kyrgyzstan, Belarus Ukraine, South Africa, and Central America.I think [a Compact for America] is a really, really, really important idea, and it's absolutely essential to winning…And it should include concrete economic proposals. And it is noticeable that the two people who won governorships in 2025—Abigail Spanberger and Mikie Sherrill—both had contracts with their voters.Celinda LakeDemocrats need to lay out ten concrete proposals and run on them. We have the critique of what's going on. We understand what's happening in real people's lives. The third leg of the stool is offering our alternative—and a concrete alternative that people can pass on to their friends and family, that people can hold us accountable for. And the last of the ten proposals in the contract needs to be something about campaign finance reform. We have to get corporate money out of politics, or our system will continue to be rigged against us and rotting from the middle.Celinda LakeBen Cohen is an entrepreneur, philanthropist, and longtime anti-war activist. He is a co-founder of the ice cream company Ben & Jerry's and a prominent supporter of progressive causes. He is co-founder of Up In Arms, a public education and advocacy campaign pushing for a common-sense approach to military budgeting.What's happened is that the company recently got owned by the Magnum Corporation, and the Magnum Corporation has disbanded that independent board of directors. I mean, it's kind of a crazy, stupid move because it's under that independent board (which has legal authority over the social mission and the quality of the product and the use of the trademark) it's under that independent board that the company has grown and done so well. But they've gotten rid of the independent board.Ben CohenWhen Ben & Jerry's was in the midst of trying to fend off this acquisition, there were some new laws that were passed in Vermont that allowed a consideration of the benefit of the community with regard to a potential sale. And after the sale happened, B Corporation started. And I've talked with the founder of B Corp, and he was saying that one of the inspirations for starting B Corporations was what happened to Ben & Jerry's. So B Corporations are a different legal structure for corporations which requires them to take into account the social benefit to the community and legally makes it easier to resist these efforts to have the company taken over.Ben CohenMatthew Hoh is a disabled Marine Corps veteran of the Iraq War and former Afghan War State Department Officer. In 2009, after being appointed to the Foreign Service, Hoh resigned his post in Afghanistan over the Obama administration's escalation of the Afghan War. He is now an analyst and commentator on foreign and military policy issues as a senior fellow with the Eisenhower Media Network. He serves on the advisory boards of many peace organizations, including Veterans for Peace and World Beyond War, and is an associate member of Veteran Intelligence Professionals for Sanity.The United States recognized Armistice Day as a holiday until after the Second World War. And then in the height of the Cold War in the early 1950s, this idea of a holiday dedicated to peace, a holiday dedicated to the abrogation of warfare, a holiday that exposed just how false the motives for war are—oh that was incredibly troublesome. That was very problematic for the American empire (again, at the height of the Cold War). So there was this campaign to rename Armistice Day to Veterans Day. And this way, it became not a remembrance of the horrors of war, of what war entailed, of who profited from war. But rather a celebration of American veterans, that they have won freedoms, they have protected us from overseas enemies—and utilizing veterans, then, as a tool to crush dissent, to silence opposition.Matthew HohClick here to sign up to get a copy of Matthew Hoh's "Armistice Day and the Empire”News 6/19/26* Our top stories this week are about major local progressive victories. Here in Washington, DC Ward 4 Councilmember Janeese Lewis George – endorsed by a broad coalition of groups including the Metro DC DSA, the AFL-CIO, the Sierra Club and many more – has triumphed in the Mayoral primary. Lewis George trounced her centrist opponent, Councilmember Kenyan McDuffie, who was backed both by major local corporate interests, such as the realtor lobby and even the Washington Parking Association, but also Democratic Party power brokers, including two former DNC Chairs. Lewis George, hailed as DC's answer to Zohran Mamdani, won over 50% of the vote in the first round, meaning that while this is DC's first mayoral election under ranked-choice voting, this race will not trigger this mechanism. McDuffie, for his part, won around 36% of the vote, coming ahead of Lewis George only in Ward 3, the wealthiest in the District. While votes remain to be counted, McDuffie has conceded.* Another DSA-backed candidate is poised to win a seat on the DC council. In Ward 1, Aparna Raj appears to have come up just short of 50% but while this means the race will go to a second round of ranked-choice reallocation, given that Raj is more than 25 points ahead of her nearest opponent, her victory is all but guaranteed. This is based upon data from the DC Board of Elections. Raj's impending victory, paired with that of Janeese Lewis George and others like Oye Owolewa demonstrates that the DC DSA is an electoral force to be reckoned with.* In more progressive electoral news, Semafor reports Bernie Sanders has endorsed former Congresswoman Cori Bush in her “comeback” bid for her old seat. Bush, a nurse and Black Lives Matter activist, was a member of the “Squad” in the House before she was defeated by a primary challenge from the right, backed in large part by AIPAC money. With the Republican redistricting in her home state of Missouri, this seat is now the sole remaining safe Democratic seat in the Show-Me State. In a statement, Bush said she was “honored to be endorsed” by Sanders, whom she called a “true leader in our movement to guarantee healthcare, housing, and childcare for all.”* Another much-publicized Bernie endorsement was announced this week: that of Tennessee state Rep. Justin J. Pearson. Pearson was originally running as a primary challenger against longtime incumbent Congressman Steve Cohen in Tennessee's 9th congressional district, but since the state Republicans redrew the districts Cohen has decided to retire, leaving the Democratic nomination to Pearson for the taking. While this district has been drawn in such a way to make it difficult for a Democrat to win, Pearson argues that “You've got a number of disaffected Republican voters, you've got a number of distraught MAGA voters, and you've got fired-up Democrats, which is a perfect recipe for success for us…Because our tent is big enough for everybody who is feeling that this status quo was rigged and broken against working-class folk, and want to see a future that is more just,” per the Intercept.* Elsewhere in the South, the race in Florida's 20th congressional district is descending into chaos. Debbie Wasserman Schultz, the powerful centrist Democratic congresswoman who was drawn out of her traditional seat by the recent Republican-led redistricting is now officially running in this district, a move that “disappointed” Florida Democratic Party Chairwoman Nikki Fried, according to the Miami Herald. Fried further stated that Wasserman Schultz “[refused] to engage in meaningful dialogue about her decision.” Elijah Manley, the progressive candidate in this race, had harsher words for DWS. In a quote reported by Florida Politics, Manley stated “I'm not surprised that Debbie Wasserman Schultz is carpetbagging to FL-20, a black opportunity district, abandoning her own district and constituents…She is no different than the Republicans that are eviscerating black representation across the South. She is everything that's wrong with the broken unpopular Democratic establishment…I look forward to retiring her from public office permanently.”* Facing down the barrel of this decision, several of the Black candidates running in the 20th convened to discuss a plan to consolidate in order to ensure the district would continue to be represented by a Black member of Congress, as it has been for the past 34 years. However, CBS reports that plan has “fallen apart” as the filing deadline passed with none of the major Black candidates bowing out. This report includes statements from Sheila Cherfilus-McCormick, who, the piece notes, resigned from this very seat in disgrace earlier this year amid a congressional ethics investigation, saying she is “excited to campaign in the district I have represented for the last 5 years.” Dale Holness, the former Mayor of Broward County, said, “It has to be about policies that produce prosperity for the people.” Elijah Manley, said “I think it's going to come down to who works the hardest, and I think I'm going to work the hardest.” To this end, Manley has recently racked up major progressive endorsements in Florida, including Armando Grundy-Gomes, President of the Democratic Black Caucus of Florida, the Democratic Progressive Caucus of Florida, through President Matthew Grocholske, and Black Voters Matter lead Florida organizer Jamil Davis. According to the most recent polling, Manley lags behind Wasserman Schultz 21% to 39% in initial ballot testing, but blitzes into the lead 36% to 27% after voters receive candidate biographical information, per Florida Politics.* Another major political story from Florida is the comeback bid of former Congressman Alan Grayson. Grayson, who won a House seat in 2008, lost it in the Tea Party wave of 2010, won another seat, ran unsuccessfully for Senate, and then sought a comeback in 2018 is running in Florida's 7th congressional district, AOL reports. Grayson, known during his time in Congress for his “combative style and frequent clashes with Republicans,” is seeking to unseat scandal-plagued incumbent Republican Congressman Cory Mills. As this piece notes, Mills has “faced allegations ranging from sextortion claims made by a former girlfriend to accusations that he embellished aspects of his military record,” as well as what appears to be clear instances of corruption, such as driving government contracts to entities he owned. However, before these two have any chance of facing off against one another, both will have to get through his own party's primary.* Looking to Latin America, the outgoing President of Colombia Gustavo Petro, has published a fascinating op-ed in the Washington Post. In this piece, President Petro emphasizes how his government – considered one of the most opposed to American intervention in the region – has cooperated with the United States on shared objectives including stopping the “deadly flow of drug trafficking and transnational criminal violence.” Throughout the op-ed, Petro goes to great lengths to talk up Trump and how they have collaborated on mutual goals, even ending the piece by writing that “with continued U.S.-Colombia partnership, we can truly make the Americas great again.” This apparent about face from Petro, culminating in an obsequious appeal to Trump's favor, has led many to speculate about Petro's motivations here, including fear for his own safety, possible persecution within the American legal system or intervention in Colombia if his designated successor Ivan Cepeda ultimately wins the Colombian runoff presidential election this month. Whether or not this stratagem will work remains to be seen, but with Trump, flattery can get you everywhere.* In neighboring Peru, votes continue to be counted in the razor's edge race between Keiko Fujimori and Roberto Sánchez. The votes for the election, held on June 7th, are almost completely counted now – the tally stands at 99.38% – and at the moment Fujimori leads by around 39,000 votes. However, around 140,000 votes have been formally challenged, with 60% of those coming from Fujimori strongholds like Lima as well as Peruvians abroad. This from Reuters. Peru's political system has been wracked by instability, with the country going through nine presidents in the last ten years. Another painstakingly close election is unlikely to restore stability no matter who comes out on top.* Finally, we turn to the Middle East, where it seems the numerous parties involved in the latest round of peace talks may have finally reached a deal. According to Al Jazeera, in addition to the US-Iran agreement, rooted in a Memorandum of Understanding (MOU) which includes financial concessions to the Islamic Republic, Israel and Hezbollah are pursuing a ceasefire in Lebanon. However, Israel's notoriously loose interpretation of ceasefire agreements jeopardizes both this deal and MOU. Journalist and expert Rania Khalek states simply that “From Iran's perspective, continued Israeli strikes would be a violation of that understanding.” Vice President JD Vance, who has been intimately involved in these negotiations, expressed a sharp warning to Israel not to jeopardize the deal and risk alienating Trump, their “only ally” left. Trump for his part is already hedging, saying “If it works out, I'm going to take the credit…If it doesn't work out, I'm blaming JD,” per CNN. A report in the Hill indicates that Republican Senators would largely oppose the deal if it were submitted for their approval, but given the increasing concentration of foreign policy powers in the executive branch, it is unlikely the Senate will even be consulted.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

This week is a Q&A episode in two parts. In Part 1, I give you the honest, real-numbers breakdown of the four Central American countries we keep weighing for our family: Nicaragua, Costa Rica, Panama, and Mexico. Rent, nannies, food, healthcare, schools, and flights from Canada. In Part 2, I answer three of the peptide questions you sent me: the Wolverine blend for an ACL tear, Selank vs psilocybin microdosing, and whether GHK-Cu actually works in a body cream.  Join The LongHer Life for women-specific guidance on peptides, hormones, and longevity.   Timestamps: 04:00 - The four-country comparison framework 08:00 - Nicaragua, San Juan del Sur 13:00 - Costa Rica, Guanacaste (Tamarindo, Nosara) 19:00 - Panama, the underrated dark horse 24:00 - Mexico, Riviera Maya (Playa del Carmen, Puerto Aventuras) 30:00 - Side-by-side comparison: rent, nanny, healthcare, schools, food, flights 36:00 - Wolverine blend for ACL tear (BPC-157 + TB-500, blends vs. singles) 47:00 - Selank vs. psilocybin microdosing 58:00 - GHK-Cu body cream: does it actually work? 01:12:00 - Recap and where to go from here   Resources: My trusted Peptide Source Guide. Work with me one-on-one. The Her Stack Planner. Join The LongHer Life.   Let's connect: Instagram, TikTok, Facebook Shop my favorite health products Listen on Spotify, Apple Podcasts, YouTube Music   Disclaimer: I am a Registered Holistic Nutritionist and educator, not your physician, nothing here is medical advice.

Phil Yoder moved with his family to Costa Rica in 1968, when he was a teenager. The early days after moving were difficult. Shortly after his family arrived, a volcanic eruption forced them out of their home. Their business venture didn't work out, and they struggled to find somewhere to live. All of this was in addition to the challenges that come with adapting to a new culture and language. From those beginnings, the first communities of Mennonites formed in Costa Rica. Phil shares the story of those communities as well as some lessons in missions and church planting that he has learned from a lifetime of living in Central America.I Came to Christ. My Hippie Husband Was Indifferent - Heiko and Sabine KlienSpecial thanks to Digital Manna (https://manadigital.org/) for hosting us for this episode.This is the 324th episode of Anabaptist Perspectives, a podcast, blog, and YouTube channel that examines various aspects of conservative Anabaptist life and thought.Sign-up for our monthly email newsletter which contains new and featured content!Join us on Patreon or become a website partner to enjoy bonus content!Visit our YouTube channel or connect on Facebook.Read essays from our blog or listen to them on our podcast, Essays for King JesusSubscribe on your podcast provider of choiceSupport us or learn more at anabaptistperspectives.org.The views expressed by our guests are solely their own and do not necessarily reflect the views of Anabaptist Perspectives or Wellspring Mennonite Church.

In this episode, we explore the complex political and security landscape of Guatemala with expert Tiziano Breda. We discuss recent developments, challenges in governance, gang violence, and the influence of international actors, providing insights into the country's future prospects.When President Bernardo Arevalo took office in 2023, many were hopeful for a fresh start in Guatemalan politics. However, his administration has faced numerous obstacles, including constant legal threats and political maneuvering aimed at undermining his authority. The former Attorney General, Consuelo Porras, has been particularly aggressive in her attempts to nullify the election results and impede Arevalo's legislative agenda. Tiziano Breda, Senior Analyst for Latin America and the Caribbean for ACLED (Armed Conflict Location and Event Data) speaks to the LatinNews podcast about the deterioration in security in Guatemala, the current government's move to a more hardline stance on crime and the country's relationship with the United States. Follow LatinNews for  analysis on economic, political, and security developments in Latin America & the Caribbean. Twitter: @latinnewslondonLinkedIn: Latin American NewslettersFacebook: @latinnews1967For more insightful, expert-led analysis on Latin America's political and economic landscape, read our reports for free with a 14-day trial. Get full access to our entire portfolio.

Kevin Cripe was a teacher in Modesto City Schools for 27 years and during that time created an award winning after school chess program for students who came from socio-economically challenged backgrounds. He took students to 200+ tournaments and 14 national chess championships and watched as students used chess to become first generation college graduates. After retiring he moved to Central America, continued to teach chess and wrote a "Child Moral Development Trilogy" .Takeaways:Kevin Cripe dedicated 27 years to teaching and created an award-winning chess program for underprivileged students, demonstrating a profound commitment to educational equity.Through chess, Kevin facilitated the participation of his students in over 200 tournaments, resulting in numerous students becoming first-generation college graduates.After retiring, Kevin continued his passion for teaching chess in Central America and authored a trilogy focused on moral development for children.Kevin emphasizes the importance of celebrating every student's progress, not just those who achieve the highest scores, fostering a culture of encouragement and resilience.Kevin's approach to education revolves around providing emotional support and understanding that effort is as important as the results, helping students to feel valued beyond academic performance.We highlight the transformative power of exposure and opportunities, illustrating how students can aspire to greater futures when given the right support and encouragement.Chapters:00:03 - Kevin Cripe: Transforming Lives Through Chess01:30 - The Journey Begins: Inspiring Change Through Education21:04 - The Impact of Parental Support on Student Success29:20 - The Journey of Learning and Growth36:23 - The Impact of Caring in Educationhttps://kevincripemotivationalspeaker.com/

The world's best showed they were ready to go the distance, with Carissas Moore and Leonardo Fioravanti overcoming the obstacles to claim wins at the Surf City El Salvador Pro Presented by Corona Cero. An unstoppable Carissa Moore now claims back-to-back CT wins in 2026 with a remarkable run through the Surf City El Salvador Pro, culminating in a win over fellow CT veteran and two-time World Champ Tyler Wright. This marks Moore's 30th-career CT victory and first in Central America. The five-time World Champion and Olympic Gold Medalist, Moore, continues to raise the bar for women's power and progression, putting everything into last-minute heroics and excellent showcases. Then the event's most consistent contender, Leonardo Fioravanti, completed his phenomenal surge all the way to a maiden CT victory over Italo Ferreira. Fioravanti's third-career CT Final yielded his long-awaited breakthrough win after posting some of the event's best performances from start to finish, including the event's best single-score of a 9.00 in today's Quarterfinals. Now, Moore moves to World No. 2, as Fioravanti jumps to World No. 3 heading to the VIVO Rio Pro with her family in full support. Plus, sensational runs at Punta Roca earned runner-up finishes for Wright and Ferreira. For Wright, this notes her first CT Final since her last win at Pipeline in 2025, and Ferreira now prepares to surge in home waters with the passion of their country backing him all the way after heroic performances.  The VIVO Rio Pro Presented by Corona Cero is ready to ignite and the world's best are set for the masses of fans on the beaches of Saquarema beginning June 19 through 27. Watch it all LIVE as the World Title race continues to heat up in LATAM. Stay tuned to the VIVO Rio Pro Presented by Corona Cero, June 19 - 27. Stay up to date with the rankings. Get the latest merch at the WSL Store! Join the conversation by following The Lineup podcast with Dave Prodan on Instagram and subscribing to our YouTube channel. Get the latest WSL rankings, news, and event info. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send me a text!The counter insurgencies of the 80s and why they didn't work in Afghanistan Support the showwar102podcast@gmail.comhttps://war102.buzzsprout.com

Ralph talks to journalist and M.Div. Chris Hedges about Pope Leo XIV's encyclical on artificial intelligence. Then, Ralph speaks with Rick Engler (former member of the US Chemical Safety and Hazards Investigation Board) about Trump's proposed closing of that agency. Finally, Ralph pays tribute to some recently departed friends.Chris Hedges is a Pulitzer Prize-winning journalist, who spent nearly two decades as a foreign correspondent in Central America, the Middle East, Africa and the Balkans. He is the host of The Chris Hedges Report, and he is a prolific author— his latest book is A Genocide Foretold: Reporting on Survival and Resistance in Occupied Palestine.I think that Pope Leo kind of missed the point of AI. In that he describes that it could be a positive force for Catholic education (these are his words), compassionate health care, creative platforms that tell the Christian story with truth and beauty. I think those were all indications to me that he didn't quite understand what AI is about. It's not about education, it's not about compassion, it's not about truth, and it's not about beauty. It is a very pernicious force that will go beyond, of course, replacing all sorts of labor, but creating a world where fact and fiction are blurred together.Chris HedgesI think that mass organization is kind of all we have left as we barrel towards an authoritarian state. Congress doesn't function, certainly doesn't function as Congress was designed to function. They have surrendered their traditional constitutional authority, including, of course, the call for Congress to declare war. And this kind of unitary executive branch—this was put into place, by the way, before Trump. He's just taken advantage of it…And I think that it's absolutely fundamental that we recapture that kind of militancy, that kind of organized workforce that has traditionally throughout our history been such an important corrective to democracy—along with, of course, journalism.Chris HedgesRick Engler is a former U.S. Chemical Safety and Hazard Investigation Board member and labor advocate who founded the New Jersey Work Environment Council. He has advocated for successful landmark state and national public policies that ensure workers and the public's “right to know” about potential chemical dangers, and that promote safer processes, chemical incident prevention, and whistleblower protection.The CSB is unique. I mean, nobody would think of abolishing the National Transportation Safety Board. And no one should think about abolishing the Chemical Safety Board, which does the same thing. It's not about issuing, in this case, fines or violations. It's about trying to understand the underlying causes of what led to these incidents.Rick Engler[Trump's allies] have a certain religious fervor about this. When I talk to plant managers, the plant managers of the corporations are much more careful and nuanced in most cases. They don't want their own plants to explode. But somewhere at the higher corporate levels, I think they're just willing to take the risks that the tradeoff for them is: Trump is supporting them in so many ways, why interfere? Why become part of some nuanced opposition to the most extreme EPA attacks? But I do think the elimination of the CSB is driven by the Trump administration in a way that wouldn't be happening if it was just left to the chemical industry trade associations alone. I'm not sure that's an adequate answer. I'm actually kind of puzzled by it. Because it's also really clear that if there was any one major incident, it would cost so much money—not only in the human tragedy of the lives lost and neighbors harmed and evacuations and shelter-in-place and property damage, but these incidents destroy facilities.Rick EnglerNews 6/12/26* Our top stories this week come to us from California, where, after an excruciatingly protracted wait, authorities have finally called some of the most high-profile races. In Los Angeles, Democratic Socialist City Councilwoman Nithya Raman has secured the second slot in the mayoral race, beating out reactionary former reality television star Spencer Pratt, PBS reports. Pratt garnered significant attention from conservative media for his slick AI-generated ads and his false claims about living in an airstream trailer after his LA home burned down in the recent fires. In actuality, he was living in the posh Bel Air hotel, billed as a campaign expense, per TMZ. Now the question becomes whether or not Raman will be able to expand her coalition to unseat incumbent Mayor Karen Bass in November.* If Raman's victory is the good news however, the bad news is that Trump-endorsed Republican Steve Hilton will advance in the gubernatorial race. He will face off against former California Attorney General and Secretary of Health and Human Services Xavier Becerra, who has accepted large campaign contributions from the California Association of Realtors, the California Medical Association and even Chevron, per CalMatters. This outcome means progressive billionaire Tom Steyer will not advance. Many are placing the blame for this on former Congresswoman Katie Porter, who remained in the race despite clearly failing to achieve any real viability throughout the race. This has drawn comparisons to Elizabeth Warren's perceived role as a spoiler candidate vis-a-vis Bernie Sanders in the 2020 Democratic Primary, particularly since Porter is a highly visible protégé of Senator Warren. In his concession speech, Steyer closed by telling his supporters “Pay attention. Know what you deserve, and know who is on your side. Understand who the villains are, and say their names out loud. Continue to demand more from your leaders and your government, until they give you the California – and the country – you know you deserve. I will be with you all the way.”* Elsewhere in California however, progressives scored major victories. In California's 22nd congressional district, Bernie Sanders-backed Randy Villegas secured a spot in the top two, beating out his opponent Jasmine Bains, who enjoyed the backing of AIPAC and 53 corporate donors, according to the American Prospect. He will face Republican incumbent Congressman David Valadao in November. Even more impressive is the victory of progressive challenger Mai Vang in California's 7th district primary, where she actually emerged as the top vote getter, beating out longtime incumbent Congresswoman Doris Matsui. However, because Matsui, who is 81 years old, won the second-most votes, she will still advance to the general election.* Another much-anticipated primary was held this week on the exact other end of the country. In Maine, Graham Platner trounced his opponents in the Democratic Senate race, winning over 70% of the vote despite a concerted campaign against him in the national press. In his victory speech, CNN reports Platner wrote off the smears, saying “They don't know Maine.” Furthermore, he said “If you believe, as I do, that we can change our politics, and change our country, then you must also believe that people can change…To all those who feel let down, disappointed, or disillusioned. It is my job to earn your trust, your faith, and your support. And I will spend every day of this campaign, and if I have the privilege, every day in the United States Senate, doing exactly that.” Platner will face off against five-term incumbent Senator Susan Collins in a race that will be decisive if Democrats are to have any chance of retaking the Senate in the 2026 midterms.* Turning towards the plains, two candidates are starting to show a surprising level of viability in heavily Republican, rural states. First, in Idaho, Todd Achilles is running as an independent against Republican incumbent Senator Jim Risch. Achilles served as a tank commander and armor officer in the Army before a varied career in the corporate world, education and now politics, according to Independent Voter News. The most striking development in this race is a new poll showing that while “Achilles starts out…behind by 14 points at 48-34…once voters hear biographical information about him and negative messaging about Senator Risch, he gains a full 17 points…[leading] Risch, 41% to 38%.” If accurate, this would be a stunningly close race in a state where registered Republicans outnumber registered Democrats by a margin greater than 5-to-1.* In South Dakota, Brian Bengs, another veteran turned educator – turned, in this case, National Park Ranger – is running shockingly close to incumbent Republican Senator Mike Rounds in a head-to-head matchup. According to the South Dakota Standard, the latest polling shows Rounds leading Bengs 44% to 40%, with 16% undecided. Moreover, like the Achilles poll, when voters are given biographical information about Bengs and negative messaging about Senator Rounds, that margin flips to 44% in favor of Bengs, compared to just 42% for Rounds. If these polls are accurate and independent candidates – not just Achilles and Bengs but also Dan Osborn in Nebraska and Seth Bodnar in Montana – prove viable, perhaps even victorious, in states long seen as out of reach for non-Republicans, there will have to be a serious reckoning with the toxicity of the Democratic Party brand in the American heartland.* In Michigan, progressive candidate Abdul El-Sayed has picked up perhaps the most critical possible endorsement in the state: that of the United Auto Workers. In a statement, the union wrote that “UAW members in Michigan want a fighter in Washington, D.C. who isn't afraid to push forward a strong working-class agenda with moral clarity…From Medicare for All to banning stock buybacks, Dr. Abdul El-Sayed is ready, eager, and well-equipped to move our core issues in the U.S. Senate.” Whether because of this endorsement or not, El-Sayed now seems to be in the driver's seat in this primary. This endorsement dovetails with UAW President Shawn Fain's rumored frustration with the mainstream labor movement for not doing more to back labor candidates, such as Clare Valdez in New York, who was a UAW organizer before entering the State Assembly.* On the House floor meanwhile, lame-duck dissident Republican Congressman Thomas Massie delivered a barn-burner of a speech this week, demanding that the government reopen the investigation into the 1967 Israeli attack on the USS Liberty, Al Jazeera reports. The attack on the Liberty, a US Navy vessel, killed 34 service members and injured 171 others. For decades, Israel has claimed that this was nothing more than an accidental incident of friendly fire, but the surviving veterans have long disputed this explanation, contending that it was a deliberate attack, either as a “false flag operation or because they simply didn't want anybody observing what they were doing that day.” Massie called on the House to “give them closure…It's long overdue. And then they can have their justice.”* Looking to Latin America, the presidential election in Peru is, predictably, coming down to a razor thin margin, WLRN reports. This race, between left-wing Senator Roberto Sánchez and Keiko Fujimori, perennial presidential candidate and daughter of former dictator Alberto Fujimori, currently stands at 50.004% for Fujimori and 49.996% for Sánchez, with 98.258% of the votes tabulated. Sánchez was favored to win after the in-country votes were counted, then Fujimori pulled ahead when the votes from Miami came in, other absentee votes eroded that margin and gave Sánchez the edge once again but Fujimori has yet again pulled ahead by a hair. This is Fujimori's fourth presidential campaign, making it to the runoff each time but ultimately losing by the narrowest of margins.* Finally, in Colombia, Progressive International reports that while Colombian President Gustavo Petro presides at the United Nations Security Council, “conservative forces in the country's legislature have conspired against the constitution to ‘SUSPEND' his presidency — just 11 days from the run-off presidential election.” While Reuters adds that the proposal must be “debated and approved by all ‌16 ⁠members of the [legislative Commission of Investigation and ​Accusation] and subsequently by the Senate before it can take effect,” it is hard to see this as anything besides an opportunistic grab for power while the proverbial cat is away. Petro's four-year term ends in August; the runoff in the presidential election, between leftist Ivan Cepeda and right-wing lawyer Abelardo ​De La Espriella, will be held on ​June 21st.This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

This week's guest is an international musician and entertainer whose journey is fueled by passion, creativity, and a mission of female empowerment. Courtney B. Holmes, known to fans worldwide as DrummerGurl and DJ CoCo B., started her musical path singing at four years old and drumming in church at thirteen. Since then, she has brought her immense talent to major venues like the KeyBank Center for the Buffalo Sabres, Bandits, and events associated with the Buffalo Bills. She has also hosted drumming seminars in Belize, Central America, and opened for R&B legends Ginuwine and Jeffrey Osborne. Courtney visited the Flamingo Lounge on May 27, 2026.

In Memory of Terry Jones - Central America

Tommy and Ben are back to discuss a week that includes collapsed ceasefire(s), the World Cup, and Jared and Ivanka pretending to be conquistadors.The so-called ceasefires between Israel and Lebanon and the US and Iran continue to unravel, while Trump insists he has Iran and Israel under his control and twists reality (and the English language) to fit his narrative. Then, Ivanka Trump claims to have "discovered" a pristine, protected ecological island off the coast of Albania, sparking major protests and a government corruption investigation. The FIFA World Cup kicks off this week across three countries and 16 cities, and the guys dig into the Trump administration's decision to use the biggest sporting event on earth as an opportunity to deny visas to fans, journalists, and even Africa's top referee. Xi Jinping pays his first visit to North Korea in seven years amidst reports about Kim Jong Un's surprising economic turnaround. Former Trump National Security advisor John Bolton pleads guilty to mishandling classified information, while a CIA official is caught with 303 gold bars and a 15-year-old Nigerian congressional candidate is exposed for faking his age on the campaign trail. Then Tommy speaks with the BBC's Mexico, Central America, and Cuba Correspondent, Will Grant, about life on the ground in Cuba, what US intervention on the island could look like, and the vibes in Mexico City ahead of the World Cup. Will's book is Populista: The Rise of Latin America's 21st Century Strongman.Buy Ben's book All We Say: The Battle for American Identity: A History in 15 Speeches  and subscribe to his Substack here.For a closed-captioned version of this episode, click here. For a transcript of this episode, please email transcripts@crooked.com and include the name of the podcast, episode title, and episode date

In Memory of Kaye Jones - Central America

The United Nations World Water Development Report 2026 found that 2.1 billion people still lack safely managed drinking water, and the burden falls disproportionately on women and girls. Also, Tropical Storm Cristina will bring excessive rain and flooding to Central America. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Give to help Chris make Truce. The Iran-Contra Affair was a major political scandal in the United States during the second term of President Ronald Reagan in the mid-1980s. At its core, the affair involved the secret sale of arms to Iran—despite an arms embargo—in the hopes of securing the release of American hostages held by Hezbollah in Lebanon. These sales were initiated covertly by members of the U.S. government, who believed they could foster better relations with moderate elements in Iran while also achieving humanitarian aims. The operation violated official U.S. policy and Congressional restrictions, particularly the Boland Amendment, which explicitly prohibited aid to the Contra rebels in Nicaragua. The second part of the scandal involved diverting profits from the Iranian arms sales to fund the Contras, a right-wing rebel group fighting the leftist Sandinista government in Nicaragua. The Reagan administration had viewed the Contras as essential to stopping the spread of communism in Central America. However, Congress had explicitly forbidden further military aid to the Contras, making the diversion of funds both illegal and secretive. Key figures in the affair included Lieutenant Colonel Oliver North of the National Security Council, who helped coordinate the operation, as well as senior officials like National Security Advisor John Poindexter. When the operation was exposed in 1986, it triggered a political firestorm and led to multiple investigations by Congress and an independent counsel. While President Reagan claimed he had no knowledge of the diversion of funds, the scandal significantly damaged his administration's credibility. Several officials were convicted of crimes related to the affair, though many were later pardoned by President George H. W. Bush. The Iran-Contra Affair remains a powerful example of executive overreach and the risks of conducting foreign policy outside the bounds of democratic oversight. Sources: Nixonland by Rick Perlstein Vietnam Ken Burns documentary, especially episodes 2 and 7 Time article about the credibility gap Reagan's 1981 inaugural address on C-SPAN Reagan: An American Journey by Bob Spitz fun video about the video game Contra Brief article about the Boland Amendment PBS article about Iran-Contra Way Out There In the Blue by Frances Fitzgerald article about North's time as NRA head article about Oliver North Fox News website about Oliver North Los Angeles Times article “Religious Right Drums Up Support for North” September 3, 1988 The Evangelicals by Frances Fitzgerald Shadow Network by Anne Nelson Battiata, M. (1987, Sep 26). "Beverly LaHaye and the hymn of the right; leading her women in support of Reagan, bork, and SDI: The Washington Post (Pre-1997 Fulltext)" article about Robert Bork Discussion Questions: What was the Iran-Contra scandal about? Why did the US support the overthrow of Nicaragua? Should politicians be held accountable for their lies? How? What crimes/ actions are enough to make you stop supporting a politician? What happens when we tie our Christian faith to politicians? Political movements? Learn more about your ad choices. Visit podcastchoices.com/adchoices

What does resiliency look like in Central America? My friend TJ McCloud answers those questions and many more today.

//The Wire//2300Z June 4, 2026// //ROUTINE// //BLUF: CROSSBOW ATTACK REPORTED IN UNITED KINGDOM. NEW WORLD SCREWWORM CONFIRMED IN TEXAS. CONGRESS VOTES TO REAFFIRM WAR POWERS RESOLUTION.// -----BEGIN TEARLINE------International Events-United Kingdom: This morning an attack was reported at the University of Surrey after a former student shot a security guard with a crossbow. The attacker has not yet been identified, however authorities have stated his is a Saudi national. The security guard who was shot remains in critical condition, and more details are expected at the situation develops.-HomeFront-Washington D.C. - Last night Congress voted to acknowledge the pre-existing War Powers Resolution, which would hold the Executive Branch to the standards of this resolution concerning the current war in the Persian Gulf.Analyst Comment: This vote has no real effect as it is merely a milquetoast effort to acknowledge a law that is already on the books, namely that the President can't declare war, only Congress can. The war certainly will not stop based on this vote, and President Trump also dismissed the vote in a post on his social media platform this morning.Texas: Yesterday, the USDA confirmed the presence of New World Screwworm (NWS) within the United States, marking the first confirmed case within the United States since the disease was eradicated from the continent in 1966. This first case was discovered in a newborn calf in Zavala County. A 20 km quarantine zone has been placed around the farm where the disease was discovered, and a unified incident command has been established to increase surveillance of the disease and increase targeted releases of sterile NWS flies, which is the primary means of combating the disease (used in the 1950's to eradicate it the first time).-----END TEARLINE-----Analyst Comments: For many months, agricultural communities have been sounding alarm bells regarding the spread of screwworm throughout Central America. Various agencies and entities have indeed engaged in extremely significant campaigns to slow the spread of the disease, but despite these genuine efforts, it was not enough and screwworm has crossed the border. It's hard to determine how severe this disease will impact livestock herds around the nation, however earlier this year, the USDA reported that the national cattle inventory currently sits at 86.2 million head, the lowest level since 1951. As a reminder, this is the raw figure that is not adjusted for the US population at the time. In 1951, the population of the United States was around 150 million. Today, the US population is (on paper) over double that figure, at 342 million. Based on the numbers alone, the US has returned to the beef levels of the 1950's, even though our population has doubled since then.This figure ebbs and flows throughout the year, and this is more of a strategic concern that has been building for some time, as opposed to an immediate and time-sensitive emergency. The reason for the decline in cattle stocks is mostly the result of high feed costs and drought conditions over the past few years, which have dwindled the national cattle supply. Over the past few months, the war in Iran has sharply driven up fertilizer prices, which has driven up prices for everything including the feed for cattle, as well as transportation and operating costs. So right now, a perfect storm is brewing. Cattle herds are already in a compromised state after years of drought and high feed costs, the Gulf War is making everything more expensive, and the cherry on top now arrives with New World Screwworm spreading throughout the national cattle supply at it's lowest point in 75 years. The next major indicator to watch out for will arrive at the end of July when the next cattle report comes out; total stockpiles of livestock nationwide are only compiled twice per year due to production cycles, so next month's report will be very telling in terms of how bad the situation truly is. Even based on January's data, it is a very softball assessment to surmise that beef prices are going to keep increasing for the foreseeable future, and when the supply shock from the global petroleum crisis finally trickles down more seriously to big industry, these costs will continue to escalate even more later on this year.Analyst: S2A1 Research: https://publish.obsidian.md/s2underground Disclaimer: No LLMs were used in the writing of this report. //END REPORT//

TWiP solves the case of the 3 yo child, who recently immigrated to the US from Central America, in the ER with acute right lower quadrant abdominal pain and a rather active serpiginous wormlike 'thing' wiggling away in the child's appendix. Hosts: Vincent Racaniello, Daniel Griffin, and Christina Naula Subscribe (free): Apple Podcasts, Google Podcasts, RSS, email Links for this episode Join the MicrobeTV Discord server Hero: Rudolf Ludwig Carl Virchow (1821-1902) Letters read on TWiP 280 TWiP study – information and survey New Case 3 yo child who recently immigrated to the US from Central America is brought in to the ER with acute right lower quadrant abdominal pain. The mother is concerned about the pain as well as nausea and vomiting. This is acute and the ER provider is concerned that this might be an acute surgical emergency. They order an US in this child and they are surprised to see a rather active serpiginous wormlike 'thing' wiggling away in the child's appendix.  I was sent the Ultrasound video which I really enjoyed. What to do? Become a patron of TWiP  Send your questions and comments to twip@microbe.tv Music by Ronald Jenkees

The American administration's next round of sabre-rattling has been directed at Cuba. But more military adventures there would probably prove disastrous. We profile the three starkly different contenders in Colombia's hyper-polarised presidential election. And our series looking at World Cup squads goes to Mexico.Guests and host:Sarah Birke, bureau chief for Mexico, Central America and the CaribbeanKinley Salmon, Latin America correspondentJon Fasman, senior culture correspondentJason Palmer, co-host of “The Intelligence”Topics covered: Cuba, American foreign policyColombia's electionsWorld Cup, MexicoGet a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.

The American administration's next round of sabre-rattling has been directed at Cuba. But more military adventures there would probably prove disastrous. We profile the three starkly different contenders in Colombia's hyper-polarised presidential election. And our series looking at World Cup squads goes to Mexico.Guests and host:Sarah Birke, bureau chief for Mexico, Central America and the CaribbeanKinley Salmon, Latin America correspondentJon Fasman, senior culture correspondentJason Palmer, co-host of “The Intelligence”Topics covered: Cuba, American foreign policyColombia's electionsWorld Cup, MexicoGet a world of insights by subscribing to Economist Podcasts+. For more information about how to access Economist Podcasts+, please visit our FAQs page or watch our video explaining how to link your account. Hosted on Acast. See acast.com/privacy for more information.

Register here to attend the live virtual event "Why Investors Are Targeting Oklahoma Real Estate in 2026" on Thursday, May 27th at 8:00 PM Eastern Time. Keith explains how rent payments are starting to factor into credit scores, boosting accountability for tenants and strengthening landlords' position.  He introduces the "GRE Duck" to show how a plain long-term rental can quietly build wealth through several profit centers beyond visible cash flow. Keith also shares why he expects a new era of heightened inflation and how owning real assets with long-term fixed-rate debt can help investors stay ahead of it. Finally, Keith is joined by a GRE Investment Coach, Naresh Vissa, to highlight Oklahoma as an under-the-radar, business-friendly market that many investors see as a promising "next place" for cash-flowing rentals. Episode Page: GetRichEducation.com/607 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. The American consumer is in real trouble today, and persistent inflation is poised to make it worse. How should real estate investors adjust their strategy? Learn the difference between delinquency, default, and foreclosure. Why making an early mortgage payoff is almost always ill-advised, then we explore an investment market that's poised for potential today on Get Rich Education.    Keith Weinhold  0:32   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 Nix, 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 danielthomamashind.com and sign up before spots fill.   Keith Weinhold  1:45   Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre that's F L O C K homes.com/gre   Corey Coates  2:18   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  2:34   Welcome to GRE from Arcadia, California to Arcade New York, and across 188 nations worldwide. I'm Keith Weinhold. You're listening to Get Rich Education. Around here, we don't look at a house and see four walls, we see five profit centers quietly doing jumping jacks behind the drywall. At the same time, most people seem to think cash flow is something that you catch in a stream. Hey, well, Who's in trouble out there amidst persistent and rising inflation? Well, you know the answer, it's just another reflection of the K-shaped economy and the hollowing out of the middle class. Now we can look at how many Americans are missing their mortgage payments. The mortgage delinquency rate is historically between one and 2% That just means that's the proportion of borrowers that get seriously behind on their mortgage payments. That's the normal range over the long run. Today's figure is pretty low at 1.1% so on the low end of that historic one to 2% range. So homeowners are in good shape, but credit card and automobile loan delinquencies are now deeply concerning, and a lot of times these people can be your rent paying tenant for credit card delinquency. Back in 2022 the rate was 8% Now 13% of credit card users are seriously behind on their payments. How about automobile delinquency? Back in 2022 it was 3.6% Now it's 5.6% and then there's student loans. The proportion of seriously delinquent student loans is 10.3% That's the highest since 2020 So the average borrower entering student loan default is now fully 40 years old. Before the pandemic, it was just 36 and a half. Now, there's surprisingly few hard statistics on the exact average age at which Americans fully pay off student loans, but the best available evidence from a platform. Called the Education Data Initiative, it suggests that the typical borrower who successfully repays on a standard timeline finishes somewhere in their early to mid 40s, and a substantial share of borrowers still carry student debt into their 50s and even 60s, so the US student loan crisis is intensifying. How about your tenant in that rent payment? About one in eight renters are behind on their rent payments per the CFPB. Almost every tenant catches up. Some live a paycheck to paycheck timing game. The payment that renters are most likely to miss is for credit cards, and, like I just put the numbers to, they are more than twice as likely to miss a credit card payment than they are an automobile payment. To most tenants, losing the car would mean losing the job, so they'll make the car payment before the credit card payment, and eviction is catastrophic, so they don't want to face that. They'll make that rent payment before a credit card payment too. Alarmingly, half of American credit card users carry balances from month to month, fully half the average interest they're paying is 21 to 22% I mean, sheesh, if Luboo is in a collection of wildly overpriced Stanley tumblers that all look big enough, waste of money. Now, some debtors can tap home equity to pay their consumer debt, but a lot of them aren't homeowners, all right. So, what does this all mean for residential income property owners? Well, since 1980 rent increases have compounded at 3.9% annually, that's the number, so almost 4% rent growth since about the time that Ronald Reagan became president, but rent growth is currently lagging behind this, and I expect that rent hikes will continue to be pretty paltry for the next couple years. Inflation is stressing tenants' consumer purchases too much for them to deal with steep rent hikes. The median household income of a US renter is $55,000 Overall, it's $84,000 All right, so to be clear, that 84k household income is not for homeowners, it's 84k overall for every American household. The 55k number is just for renters. What all this means is that this coming higher wave of inflation from the Iran war, where you're now poised to potentially see the highest rate of inflation of your entire life occur in the next couple years is that when you're looking at adding rental property on your pro forma, you can see how the numbers would be with those historic 3.9% rent increases each year, but it's wiser to run your numbers with no rent increase at all, because higher inflation on all these consumer products means it's less likely that they can handle a rent hike   Keith Weinhold  8:25   In the mortgage world. What's the difference between delinquency, default, and foreclosure, anyway? Because some people use a couple of those terms interchangeably, but there is a difference. The timeline is that once you're 30 days late, that is delinquency, and this condition occurs the moment that a single payment is missed. And at this early stage, your bank still hopes that this is temporary, because the bank actually doesn't want to take back your property. They're not in the business to do that. They want you to be able to keep making your payments in general, because if a borrower keeps missing payments and a bank has to take possession of the property, well, then that bank has to pay legal fees and court costs, and even property taxes if they end up taking back the property. Yeah, the bank pays all of that if they have to take it all right, so that's 30 days. What about when a borrower gets to 90 days late on payments, where we're trending closer to the bank having to take back the property? Well, 90 days, that's the point at which we're in mortgage default. When a homeowner's 90 days late on payments, the lender kind of says to themselves that bank is saying, hey, this is serious, and they file what's called a notice of default with both the homeowner and the courts at the 120 day mark. This is pre foreclosure, right? So, after about four months or more of missed pay. Payments and state timelines vary. Texas is famously Formula One fast, really lender friendly, then, but timelines can drag on for one to three years in a bunch of northeastern states, Florida, Illinois and Ohio, so they're more borrower protective, and during Covid, this was overridden, and even fast states became slow. Beyond 120 days of non-payment, this is foreclosure, the legal seizure process. This is when the home sells that auction to the highest bidder. That's sort of like Sotheby's for distressed drywall, but if no bidder raises their paddle, well, then the property returns to the bank and becomes R E O. You've probably heard this term before, that stands for real estate owned, R E O. It also kind of means bank owned, and bank owned is the phrase that kind of makes more sense. That's what REO is, all right. Yes, this is when the bank becomes the home's reluctant landlord, and if the occupant has not left, the bank can formally file for eviction. Banks don't like being in this position, and they might sell the home cheaply. Why would they do that? Because, again, banks are not in the business of owning property, and they don't want to pay those holding costs, besides paying legal fees and court costs, and the banks now having to pay property tax because they do temporarily own that foreclosed upon property. Now they're also usually paying for maintenance, repairs, and insurance, a non-paying borrower like this can typically cost a lender 1000s per month. So this is the difference between delinquency, default, and foreclosure. But, like I said, we are at a time when mortgage delinquency rates are historically low. Instead, it's consumer debtors that are more likely to default today on things like their credit cards and their automobile loans. The takeaway for real estate investors here is that in today's inflationary times, renters are increasingly cost-burdened, rent increases are historically slow. That's sort of the bad news. And then the upside, the good news is it also means that tenants must delay home ownership and keep on renting from you, because as they struggle to pay these rising expenses, it's also harder and harder for them to form a down payment and go buy their own place, that's the real lesson with the parts of the economy where you see default trends today.    Keith Weinhold  12:52   Now, if you're an income property owner, like I am, you probably have mortgages with a bunch of different banks, lenders like I do. You've probably noticed more than once that various banks and mortgage servicers, a lot of times, they feature these early payoff tools, enticing you to pay your mortgage off ahead of time, before it goes its full 30 year term, or whatever your full loan duration is. I mean, a lot of banks love it when you try to pay off your own early. It's often good for them and bad for you. And there are a few reasons that banks do this. They reduce their default risk if a bank convinces you, the borrower, to aggressively pay down your principal. It also builds equity faster, and you become less likely to walk away, so it's safer for the bank during downturns. Say there's a borrower with a 300k property and a 50k loan balance, meaning it's mostly paid off. Oh, that's far less risky to the bank than one with a 300k property and a 200k loan balance, meaning that you have less equity in it. So banks value stability. Another reason that some banks want to roll out the red carpet to try to get you to pay off your mortgage early is because banks recycle capital. They don't simply hold every mortgage for 30 years. A lot of loans are sold to Fannie Mae or Freddie Mac, or they're bundled into mortgage-backed securities, or they're serviced for fees. So your originating bank, when they first made that loan with you, oh, they've already earned their origination fees and servicing income and cross-selling opportunities, so getting principal back from you sooner allows them to reissue new loans sooner, and see rising interest rate environments like we've been in lately that changes the incentives for banks too, because if current mortgage rates are higher than your old rate a. Wow, then banks really love getting your old low rate loan paid off. Just say, for example, you have a 3% mortgage that you got five years ago, and new mortgages today are 7% Oh, if you pay off or refinance the old loan, oh well, now the bank can redeploy that money into higher yielding loans. Now they can lend it out at today's 7% that is really valuable to them. So encouraging your payoff, that is often just some consumer service positioning and marketing. You'll see messaging like, hey, make extra payments, or hey, you can own your home faster if you make extra principal pay downs, that's sort of marketing psychology. Because emotionally, a lot of consumers, they're not thinking big, they still emotionally love debt freedom, because a lot of them don't even consider true financial freedom is something that's in the realm of possibility for them, so banks provide tools because customers oftentimes want them and like them. Regulators actually like this position too. It's positioned as responsible lending optics, and financially healthy borrowers are deemed to be safer customers, but a bank sure does not want delinquency or foreclosure from a wealth building perspective. Productive low-cost debt benefits you, the borrower, enormously.    Keith Weinhold  16:34   And on previous episodes, I've talked extensively about how making extra principal pay downs on your mortgage is a bad idea, and that's whether it's rental property or your own home, and you know, I'll bring a new example to this for you. It might feel good to pay off your mortgage faster. Your bank probably likes that, as I just explained, but feeling good doesn't build your wealth. Let's just take a 400k mortgage at a 6% mortgage rate. We'll keep it simple. With a 30 year loan, your payment is about 2400 monthly, so you'll pay 864k over the life of the loan. Well, instead, with a 15 year loan, your payment's 3376 and you'll pay just 608k over the life of the loan. So, by paying extra principal with the 15 year, you save about 255k in interest over the life of the loan, and that's it. Most people stop right there, and they think, oh well, then the 15 year paying down principal faster than that has got to be the smarter way, look, I can point to this on paper and show you, no, but with that extra about $1,000 per month of mortgage payment that you made by going with the 15 year, if instead you would have just invested that at an 8% return, you would have about 1.1 million more dollars in your pocket. Some people say they sleep better because their house is paid off, but I would rather sleep knowing that my money is growing faster than my debt is costing me. I only used 8% as a return, too. If your dollars were instead invested in a different vehicle, say in buy and hold income property. We know that it can be multiples higher than 8% and all the while, if we keep our own money and avoid making an early pay down, our cash is also going to remain more liquid than if we sunk it into the house, because houses make terrible banks. It is indeed rather myopic to make extra principal payments on a mortgage loan in most cases. In fact, somewhat related to this, coming up on a future show, I'm going to tell you about the biggest financial expense you will ever have in your life, it is not taxes, it's not housing, it's not interest charges, it's not inflation, it's not paying for children, and it's not health care. Most people have never heard of it. The biggest financial expense that you'll ever have in your life. I'll talk about that coming up in a future episode.    Keith Weinhold  19:23   Is today's American housing market a buyer's market or a seller's market? In fact, it's somewhat of a discussion that you can have. There's not a clear cut answer, because more so than usual, it depends on which region of the nation you're looking at. As we know, six months of available supply is a balanced market nationally. There's only 4.4 months of existing housing supply, but almost twice that much new housing supply. National median home values are only up about 1.1% year over year. And what's the future of the investment market? Good, I'm going to discuss this and more with a guest later today. I would like to seriously thank you for your listenership. GRE is a platform largely built on long form trust, podcast listeners, newsletters, coaching calls, and referrals, releasing a show 52 weeks a year for between 11 and 12 years now, and the show is delivered every week from me, a real human flesh and blood host with a pulse and sometimes a cowlick in my hair, really human stuff going on here. I say this because robot podcast hosts are becoming more common, though I still wouldn't say that robot hosts are widespread. Amazon's Alexa Plus now produces AI-generated podcasts featuring chats between two robot co-hosts, but here on GRE it's always been human delivered with no plans to change that promise, and speaking of human connection, I learned that a number of successful guests that you've heard here on the show, they've gotten counsel from a rather special executive coach that's really developed some of these people that you've heard on the show. This coach has helped people show up as the best version of themselves and build them into better leaders, better operators, and better men and women, just like you, I know there's a gap between who you are and who you could be. When someone points out that gap to you, that can be a motivator alone, and when you learn the steps to close that gap, you really start to fulfill your potential. It often takes a trained eye from the outside to get you on the right trajectory and build the sort of person that compounds and builds you closer to your optimal self and people of enormous success have a coach or mentor behind them. Steve Jobs did, Michael Jordan, Tom Brady, Taylor Swift does the accountability piece alone is often enough to elevate your performance. I just learned about this coach this year. This man has been the behind the scenes key to success for a number of not just real estate related pros and GRE guests, but other people too. And interestingly, he hasn't marketed himself online anywhere. Well, I got curious, I learned more about him and kind of tracked him down, and he and I had a great lunch in California together not long ago, and I have since learned from him after 12 years behind the scenes. Well, it was quite a successful lunch, because that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind, the number of people with life-changing testimonials from working with him is pretty remarkable. So, if you're a hard-charging business owner or investor, and you want to get in the best shape of your life, physically, mentally, or professionally, you can fill out an application for a free consult. It's private one on one coaching, if you're willing to go to uncommon lengths to achieve pretty uncommon results. Thanks to Daniel, we've all become better leaders, better operators, better men. It started by showing up for ourselves. If it sounds interesting to you, now it can be your turn. You might at least look into it, since it is close personal one on one coaching. He can only help a limited number of people. So, complete an application before spots fill. You can go to Daniel Thomas hind.com H I N D is how you spell his last name, that's Daniel Thomas hind.com More next, I'm Keith Weinhold. This is Get Rich Education.    Keith Weinhold  24:05   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 Chaley Ridge. While it's on your mind, start at Ridge Lending group.com That's Ridge lendinggroup.com    Keith Weinhold  24:36   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 straight. Forward approach built on real assets, not speculation. In 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 266866 that's Family 266866    Keith Weinhold  25:38   This is Peak Prosperity's Chris Martinson, listen to Get Rich Education with Keith Weinhold and Don't Quit Your Daydream.   Keith Weinhold  25:52   For an in-house chat, I'd like to welcome back our head investment coach here at GRE. He has his MBA, but perhaps more importantly, he's an active real estate investor himself, and he spends his days helping GRE listeners cut through the noise and actually make smart real estate investing decisions, and this means helping you figure things out, like what market fits your goals, whether cash flow appreciation or even showing a tax law should be your priority, and how to think about financing and what properties, the exact properties pass the smell test, and maybe most importantly, helping investors like you avoid expensive mistakes. And yes, the coaching is free to GRE listeners at GRE Investment coach.com And basically, if the real estate world feels like Costco on a Saturday afternoon, he helps you find the free samples, find the exit, and get the good deals without getting run over by a shopping cart. It's time for you to share with the audience. Naresh Vissa.   Naresh Vissa  26:53   Thanks a lot, Keith, for having me back on the show. Always a pleasure to connect with our loyal GRE listeners and followers,   Keith Weinhold  27:01   a lot of loyal listeners, some that have listened to all 600 plus episodes, starting from back in 2014 and Naresh we continue to see income property builders provide incentives that we haven't seen in years. Tell us about it.   Naresh Vissa  27:19   We're at a key point in this real estate cycle, Keith, regarding incentives, because we had GRE, and I think investors will tell you this, not just through GRE, but maybe in their hometowns and their local markets, that they're seeing incentives that they've never seen before, and a major reason for this is understanding why these incentives are there in the first place. If we go back five years to 2021 we didn't really see any incentives in 2021 outside of maybe like one year of free property management, which isn't the most enticing incentive out there, but today we are seeing more incentives than we've seen, at least in my career as a real estate investor, which is not very long, it's only about 10 years, but in my career as a real estate investor, in my career as a real estate investment coach, and a major reason for that is because providers, we call them providers, we can call them local market builders, or specialists, or flippers, wholesalers - we'll just call them sellers - they want to offload inventory, they want to sell their homes as quickly as possible. And why is that? Because we're not in a 2021 environment anymore, where a property gets listed and within three hours the first offer comes in, and within 24 hours multiple offers are in, and within two days of property is sold. We're not in that environment anymore. There are a variety of factors about why we're not in that environment. Part of it is economy related, part of it we talked at length about Doge, and the government contracts that have been cut. I mean, we're talking about hundreds of billions of dollars that are worth of dollars that are no longer pumping into the US economy, and the many jobs associated with that. We're also talking about the artificial intelligence, so the tech industries for the last few years, have not necessarily downsized, but changed their job functions, or removed, just eliminated job functions entirely, and this has affected markets, not the entire United States, but it's certainly affected some markets that we operate in, Florida, certainly in Texas, you can look at Austin, Texas, for example, and see the impact that the artificial intelligence and AI has had in the sector there. There are just all sorts of reasons, and so this is why builders, they're not building as much. So there were five years ago what are called spec homes. And pre construction homes, pre construction homes are homes that are to be developed and they get buyers ahead of time and they don't build until they get a buyer and then they build and they complete the property. Pre construction homes are not being done anymore as compared to custom home. A custom home is when you have a buyer and the building has started, the buyer has paid a good portion of the building, and the property is complete. But in pre-construction, they haven't even broken ground, they haven't even gotten permits, and a lot of investors have been scared away from that, saying, Why get a home like that when I can just buy a spec home or a custom home. A spec home is a home where the builder just builds a property and they hope that a buyer is going to come after it's built, and the problem with that, as we're seeing today, this is why builders are trying to offload their inventory. It's because so many of these spec homes were built because these builders thought, oh, 2021 2022 those are such amazing years, but now in 2026 they built these homes, and there aren't buyers throughout the building process, they weren't able to get buyers, and there still aren't buyers available, so what do the builders want to do, they want to offer really, really enticing incentives, because it's very highly likely they took out some type of construction loan, and they took out some other type of loan, and they've got all this debt on the property. Builders are not landlords, builders build, they want to build something and sell it off. They do not want to hold on to it and let something just sit there, that builders make money by selling their property, so all these different reasons are why we're seeing incentives like we've never seen before. And to give you an example, instead of one year of property management, we're seeing two years of property management. Yeah, instead of closing cost credits, we're seeing builders and sellers in general actually pay money to buyers, so they close on a property. Let's say they, instead of a closing cost credit, you close on a property, they'll literally just wire you or overnight you a check for x amount of dollars, and this is not like $1,000 $2,000 We've had some investors get up to $50,000 mailed to them after closing on a property, so I think this is a really, really good time for investors to find deals. You brought up Costco earlier, I'm like the Costco finder, it's a really, really good time to find deals, because through networks like GRE we have access globally, not just mainland 48 states, not just United States, not just globally, whether it's teak timber parcels in South America or in Central America, or it's duplexes, quads, single family homes in mainland United States, we have access to these deals, to these incentives, whereas your average person, they're just reading some headline saying, oh, real estate is a bad investment right now, and home values are supposed to crash, and there's so many homes available for sale, and there's going to be this big crash, and and inflation is very high, which means interest rates are really high. That's like the general consensus, but that's what the mainstream news media is telling, and that's what's creating a consensus.   Keith Weinhold  33:29   That's what clicks and fear. Yes,   Naresh Vissa  33:31   that's where I say that there are GRE is here to find those diamonds in a rough to find those incentives to find those good deals to find those markets, just like even in the stock market, the stock market can be at all-time highs, but you can still find those diamonds in the rough that are good, high-quality companies. Maybe they're undervalued. There's always going to be some type of diamond in the rough. I don't think we've ever gone through a period in our lifetimes where it was like, oh, everything is going so well, and there's nothing to invest in. There's nothing we should just do nothing with our money. I don't think there's ever been a point. There's always in any asset class in any industry. So that's why I say right now I'm seeing incentives. That's how I began this conversation. I'm seeing incentives that I've never seen before, and I'm excited to share them with all of our GRE followers.   Keith Weinhold  34:24   Yes, there's never perfection in a market like a panacea, where everything is tuned in just right, and it's really not a buyer's market nationally, in a sense. Now it sort of feels that way, because in 2021 to 2022 we had such a frenzy and such a run up in such a seller's market that things have come somewhat back more into balance. We still have substantially less than six months of supply on a national basis, but yes, to your point, some people are really cashing in on. These incentives, and that's created a pickup in activity recently that you've seen with investors.   Naresh Vissa  35:07   I have absolutely seen a pickup in activity, and there could be.. I don't want to speak in absolutes.. there could be a variety of reasons for this. Number one is the stock market has consistently reached all-time highs for the past few weeks or so, and many people, they liquidated some of their portfolio, they liquidated some of those stocks, and said, all right, it's time to get into real estate. Another reason is, yes, you do see these headlines that are doom and gloom, next big crash, and there are some markets in Florida, for example, in Texas, for example, in the DMV area, DC metro area, Maryland, Virginia, and even in some parts of California, you do see a stagnation in home values, maybe even a decline in home values in some of these areas, but I bring them up because some areas where investors own are still thriving and doing really well, and many of those investors who we work with at GRE, they opted to 1031 and say, you know what, I had this property, it appreciated by 60% since I bought it, 60% 50% whatever it might be, and I want to cash out. Well, I don't want to necessarily cash out, but I want to sell in 1031 into an undervalued market, or a market where the homes have declined, or maybe it's an up and coming market. For those who don't know, 1031 is special tax favored strategy from the tax code that allows real estate investors to sell a property and to essentially replace it with a like kind property, and there's tax break, you don't have to pay a capital gains tax or anything on it. There's nothing like that with stocks. So, if you sell a stock, for example, you can't get a more expensive stock with that capital gain and avoid paying the capital gains tax. Unfortunately, you can't do that for stocks, but for real estate, you can. So, we've had several investors do that, where they, 1031 they said this market, it's taken off, maybe it could go down, who knows, but I'm selling at the peak, and I want to buy somewhere else, so that's what we help people do, that's what I help people do, I help them find those deals, those incentives, those markets that could be up and coming, or maybe that declined, and that's why still it makes a lot of sense to be on the lookout for those deals.   Keith Weinhold  37:47   Now, one such place is potentially the Oklahoma market. Last week here on the show, I had your co-host for an upcoming event with me, Richard, whom is an Oklahoma City provider, and we were sort of a phrase that I use, Naresh, is that next place, that next place, Oklahoma City, where the prices haven't run up, it's business friendly, and you do have these affordable prices, and you have landlord-friendly laws, potentially that next place where your dollar goes further, and as the Oklahoma City Thunder go deep in the playoffs, you know the nice thing about Oklahoma is that you can still buy real estate there without needing an NBA contract to afford it. In fact, we were spotlighting their $145,000 new build detached single family rental. Now it is tiny, and it comes with both LVP flooring and granite. I mean, it's something that sort of sounds like science fiction in Metro New York City and coastal California. I don't know if paying 145k would even give you permission to look at a house, but that's one opportunity that we've been talking about here. Niresh,   Naresh Vissa  39:03   let me talk a bit about Oklahoma, because this is a market that we haven't covered much. In fact, we, I would say, have never covered it in writing. It's not heavily featured throughout GRE's history. Yeah, it's not prominently featured on our website. This is a newer market, and I brought up the term up and coming, so I brought up the 1031 people are 1031 into up and coming markets. Oklahoma is an up and coming market. It's a very landlord friendly state, it's a very tax friendly state. The property taxes are significantly lower in Oklahoma, for example, compared to a Texas or a Florida, which are two very popular in real estate investment states. Investors go after Oklahoma is not quite as high, their home insurance isn't anywhere as high as a Florida, for example, but the best part. It is because of all these different factors. Oklahoma has a lot of industry, and we'll go into it this Thursday on our webinar. Go to GRE webinars.com to register, but Oklahoma, the tourism is getting up and running. The energy industry still has a very important part to play in this world's energy consumption, Oklahoma, it's got huge academic areas. You have Oklahoma University, you have Oklahoma State, you have a plethora of Tulsa has a very strong university there. You have medical schools there. Oklahoma is an underrated state. People don't think about Oklahoma when they think about what are the greatest states in America, or what state that I want to move to, but Oklahoma, I think, is that next up-and-coming state, because there's actually more stuff now. I brought up tourism, you brought up the Oklahoma City Thunder, they never had really any professional sports teams, what, 20 years ago,   Keith Weinhold  41:02   right?   Naresh Vissa  41:03   And the Thunder now are the best NBA teams. They have been the best, and I'm rooting for them. So this is all good. That's the Oklahoma City area, where the Thunder play, but, like I said, I brought up other markets, like Tulsa, where we have inventory, and there are a few others that we're going to cover, but mostly the best properties that we're going to cover on Thursday are in the Oklahoma City area, places within 45 minutes, 50 minutes from Oklahoma City. So, as you're watching the webinar and following the Oklahoma City Thunder, that should only kind of enhance as the team does better and as Oklahoma gets more publicity, and is on TV more, and you see all those nice stills on TV, and those shots, and ESPNs covering the city, that's all very good for real estate, and for publicity, and this is like an intangible reason to invest in Oklahoma that actually makes a very big difference. So, overall, Oklahoma is what I would call, like I said earlier, up and coming, the home values, because it's up and coming. You can't get $145,000 new construction property anywhere in the United States right now. When I say anywhere, there's a little bit of hyperbole there. If you look to some boondock towns and cities, yeah, you'll find them, but are they really good renters markets? Are they good appreciating markets? Well, in fact, the most of the state of Oklahoma is now, and definitely that Oklahoma City area is. So, I'm excited about this online special event we're having this Thursday, because, like I said, this is a new market, just like the team, I mean, so many fans are just new to Oklahoma, you know, like Oklahoma, like what's in Oklahoma. Well, attend our special event this Thursday, GRE webinars.com and we're going to get down to the nitty gritty of it. I think this is out of all the up and coming markets I've covered over the last 10 years, I think this is the best one, because the problems I had with some of these up and coming markets, like Memphis, for example, crime.. it's why are they up and coming? Why are the home value solo? Well, you know, crime was a major issue. There's no comparison between an Oklahoma City or a Tulsa and Memphis, for example, or a Baltimore. There's no comparison when it comes to esthetics, when it comes to newness, niceness, crime, homicides, no comparison. So, to me, this is a no-brainer. And I think investors should be really excited about this.   Keith Weinhold  43:32   There is anticipation for Thursday's live event, which you can enjoy from the comfort of your own home. You'll learn about real estate investing, you'll get to chat with Naresh and the co-host, Richard, that provides there. Ask any questions that you want to have answered in real time. The event name is why investors are targeting Oklahoma real estate this year. It is this Thursday night, the 20-eighth, 8pm Eastern, 5pm Pacific. Sign up is open@grewebinars.com It's free. Naresh, we all look forward to seeing you Thursday night. It was great having you here.   Naresh Vissa  44:06   Thanks a lot, Keith. Looking forward to seeing everybody.   Keith Weinhold  44:15   Yes, the Oklahoma City Thunder are the reigning NBA champions, and they've gone deep into playoffs again this season, but what you'll find more interesting about Oklahoma City's real estate investment market is that it's business friendly, still affordable population growth, job growth. There are still good deals. You don't need to have a venture capital exit just to put some rental property in your portfolio, and while those $145,000 properties are small detached cottages with LVP and granite, there are other single family rental and duplex styles, all new build, everything here is new construction, the. Like a nice looking 565k duplex in Edmond, Oklahoma. I'm looking at a photo of it right now. Edmund abuts right up against Oklahoma City. Between 2010 and 2020 it had whopping population growth of 16% That is not random. People vote with their moving trucks. Learn more about Oklahoma's growth in energy, aerospace, aviation, logistics, and tech, along with Oklahoma City's downtown revitalization. This creates the rent-paying tenants with stable incomes that we need at the event, the provider is even offering two years of free property management, and they handle all the tenant placement for you. Save your spot for Thursday now@grewebinars.com Our team will see you then. Next week, we'll have Rich Dad Poor Dad author Robert Kiyosaki back here on the show with us. We'll see you Thursday. I'm your host, Keith Weinhold. Don't quit your daydream.   Unknown Speaker  46:08   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  46:36   The preceding program was brought to you by Your Home for Wealth building get richeducation.com  

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